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What a Realtor® can do to help you buy the right property?
They will help you determine how much you can actually invest in a property, without jeopardizing their financial stability.
They will help you develop a realistic idea of what is the best option for you including – size, style, features , location, accessibility to schools , transportation , shopping , and other personal preferences.
They have access to a list of all available properties in the multi – list system , can evaluate in terms of your needs and affordability, and will not waste your time showing inadequate housing .
You can supply information on real estate values ??, taxes, utility costs , municipal services and facilities , and may be aware of proposed zoning changes that could affect your decision to purchase.
They help negotiate the best price and the best terms for you , acting as a liaison between you and the seller to present offers and counteroffers until an agreement is reached.
They can help familiarize you with the closing process and they will obtain closing figures before closing for review.
Steps for successful purchase of a property:
1 – Advice A Realtor can advise and assist you throughout the buying process, making it easier and help you save money, with advice at no cost for you.
2 – Plan Develop a plan to purchase a home can help you focus on the most important factors and organize the entire process.
Carefully review your monthly spending budget and clearly define how much is the most you 're willing to pay monthly for the property ( Remember to pay Mortgage, Insurance , Taxes and HOA fees some properties )
Define the size, style and features of the property that best suit their needs.
Define location according to your personal preferences, accessibility to schools , transportation , shopping, and more.
The establishment of " criteria " early on will save time shopping and may keep you from buying a home on a whim. Your main reason for buying a home should be the value you are getting for your money.
3 – Pre-approval Loan Contact your financial institution or through a Mortgage Broker to be pre-approved for a home loan. This pre-approval will set the maximum price we can buy. A lender typically uses the 28% formula ( your monthly mortgage can not exceed 28 % of your monthly income ) in approving your loan. Start looking propertiesWith the features, location and the defined price, Realtor and you visit and evaluate the properties that fit these criteria. Then the property that best suits your needs (cost, location, features, ..) is chosen. Submit an OfferWhen you've identified the home you want to purchase, your Realtor and you define what the appropriate value that is being offered by the property and a contract will be written. This contract will analyze the property seller to make a decision. Your offer may or may not be accepted for any number of reasons. You have to have other properties defined as a second option.
4 – Acceptance of Offer Once your offer is accepted, a deposit of money (usually non-refundable ) will be held, and the processing of the end begins. The title company examines the title to have no problems prior sales . And the lender takes the entire loan process.
5 – Inspection To prevent the property has any major physical problems that can not be seen with the naked eye , the services of an inspector are hired to technically review all areas of the property and define not run any risk buying it. Pay for a qualified home inspection before you buy a home is not just spending "a little more " for peace of mind , is absolutely essential for anyone who does not want to spend thousands of dollars in repairs.
6 – Closing and delivery The day set for closing, transfer of the property is signed and the keys are delivered. Now you can enjoy your property.


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Command One Security is the leading alarm and monitoring service in the Coachella Valley for both local residents and businesses. With over 30 years of experience, we have provided security and peace of mind to all clients in Mountain View Country Club and surrounding areas. Our experienced technicians install and service the best quality security equipment. Our monitoring station alarm agents are ready 24 hours a day to respond to any and all alarms. All systems are also programmed for daily communication checks
With crime rates and burglaries constantly on the rise in our area, we offer great options to protect and monitor your home or business. We are confident in our equipment, using Honeywell Ademco alarm systems, and include state-of-the-art technology such as CCTV video security. Our primary focus has always been to provide a level of service to our local customers that is a notch above the national, and other local companies, while remaining competitive.
If you are in the market for an alarm system, security cameras and reliable 24/7 monitoring, Command One Security can help you just like we are helping hundreds of other clients not only in La Quinta but in the surrounding cities in Coachella Valley.
Satisfaction Guaranteed! Contact us online or call today at 760-568-0052 for a free, no-obligation security system consultation.

subset: commoncrawl


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Complete Engine Treatment
Lucas Complete Engine Treatment is a unique formulation that cleans and lubricates multiple systems in your vehicle. When added to fuel, it cleans and lubricates all components from the fuel tank to the cylinders. It removes deposits, protects against corrosion and helps the fuel to burn more completely, which helps to lower emissions, improves fuel mileage and increases power. When added to your oil, Lucas Complete Engine Treatment cleans your engine and forms a protective barrier against heat and friction, improves oil flow in cold weather and extends oil life. FOR ALL ENGINES AND OIL TYPES.
Key Benefits
When added to fuel:- Cleans and lubricates the entire fuel system from the tank to injectors
- Removes harmful deposits on intake valves and cylinder heads
- Lubricates the upper cylinder walls as well as the compression rings and oil rings
- Contains special Lucas additives that cause the fuel to burn thoroughly for fewer exhaust emissions and more MPG
- Improves engine cleanliness reduces gum and varnish, especially in oil burners
- Reduces friction and wear
- Improves cold temperature fluidity
- Helps extend oil life
#10016 | 16 Ounce (Case of 12) | 14 lbs |
Directions For Use
Add to Gas or Diesel Fuel - Add approximately 1 ounce per gallon. One bottle treats a tank, up to 21 gallons. Add directly to fuel tank.
Add to 2-Stroke Fuel - Add 1 ounce per gallon of pre-mixed fuel.
Add to Engine Oil - Add 1 ounce only per quart of engine oil. May be added with oil change or between oil changes.


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Learning Ancient Greek
Learning Ancient Greek is the interactive, online complement to Cecelia Luschnig's An Introduction to Ancient Greek: A Literary Approach.
An Introduction to Ancient Greek: A Literary Approach is a traditional beginner's text, written in a conversational tone, as though between equals of good will and common purpose. Based on a grammar/syntax/vocabulary/reading approach, it provides more support for learners than comparable Latin texts, like Wheelock's Latin. This extra support is an important learning aid, because Greek is more difficult to learn than Latin, as Latin is much more closely related to many present-day languages. Dr. Luschnig states explicitly that the text is designed for people who already know they want to learn Ancient Greek. Her extensive notes are engaging, give fascinating insights into the Greek mind and culture, and enliven the learning experience for all students.
This website provides additional free support materials for An Introduction to Ancient Greek: A Literary Approach. These materials reinforce the lessons and improve oral and aural competency. They include study guides and audio labs, both with answer keys.
Learning Ancient Greek also contains a free mini-course in Ancient Greek called "Greek Without Pain".
Reading Ancient Greek
Reading Ancient Greek offers more advanced selections such as The Crito, the Didache, and readers containing selections from Herodotus and non-literary Koine sources.


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Are the Flyers looking to make a move for Bobby Ryan?
Will GM Paul Holmgren remain patient and wait for Hartnell's return in four or five weeks? Or will he pull the trigger and try to make a deal for a sniper like Anaheim's Bobby Ryan?
The next two weeks may provide the answer. Holmgren doesn't figure to wait too long because he doesn't have that luxury in a 48-game season.
Building block? Several Flyers said they can build off a Tuesday's strong third period, a stanza in which they were constantly in the Rangers' end. The Flyers play in Washington Friday and host Carolina on Saturday.


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Section 122
The word of the Lord to Joseph Smith the Prophet, while a prisoner in the jail at Liberty, Missouri. This section is an excerpt from an epistle to the Church dated March 20, 1839 (see the heading to section 121).
1–4, The ends of the earth will inquire after the name of Joseph Smith; 5–7, All his perils and travails will give him experience and be for his good; 8–9, The Son of Man has descended below them all.
1 The ends of the earth shall inquire after thy name, and fools shall have thee in derision, and hell shall rage against thee;
2 While the pure in heart, and the wise, and the noble, and the virtuous, shall seek counsel, and authority, and blessings constantly from under thy hand.
3 And thy people shall never be turned against thee by the testimony of traitors.
4 And although their influence shall cast thee into trouble, and into bars and walls, thou shalt be had in honor; and but for a small moment and thy voice shall be more terrible in the midst of thine enemies than the fierce lion, because of thy righteousness; and thy God shall stand by thee forever and ever.
5 If thou art called to pass through tribulation; if thou art in perils among false brethren; if thou art in perils among robbers; if thou art in perils by land or by sea;
6 If thou art accused with all manner of false accusations; if thine enemies fall upon thee; if they tear thee from the society of thy father and mother and brethren and sisters; and if with a drawn sword thine enemies tear thee from the bosom of thy wife, and of thine offspring, and thine elder son, although but six years of age, shall cling to thy garments, and shall say, My father, my father, why can't you stay with us? O, my father, what are the men going to do with you? and if then he shall be thrust from thee by the sword, and thou be dragged to prison, and thine enemies prowl around thee like wolves for the blood of the lamb;
7 And if thou shouldst be cast into the pit, or into the hands of murderers, and the sentence of death passed upon thee; if thou be cast into the deep; if the billowing surge conspire against thee; if fierce winds become thine enemy; if the heavens gather blackness, and all the elements combine to hedge up the way; and above all, if the very jaws of hell shall gape open the mouth wide after thee, know thou, my son, that all these things shall give thee experience, and shall be for thy good.
8 The Son of Man hath descended below them all. Art thou greater than he?
9 Therefore, hold on thy way, and the priesthood shall remain with thee; for their bounds are set, they cannot pass. Thy days are known, and thy years shall not be numbered less; therefore, fear not what man can do, for God shall be with you forever and ever.


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It seems that the Treasury Department is in agreement with the core premise of TIME's cover story this week. In a blog posted on the department's website Friday, Deputy Assistant Secretary for Public Affairs Anthony Coley notes that while "unprecedented actions" were needed to prevent financial collapse in 2008, there is "still more to do to protect taxpayers, consumers and our financial system" before we can honestly say that our economy is no longer at risk. As I put it in my piece: "The truth is, Washington did a great job saving the banking system in '08 and '09 with swift bailouts that averted even worse damage to the economy. But it has done a terrible job of re-regulating the financial industry and reconnecting it to the real economy."
To respond to some of the key points Mr. Coley raises:
1. While the creation of the Consumer Financial Protection Bureau was a great step forward, it hasn't changed the underlying business model of many of the largest banks, which still make the majority of their profits from trading operations rather than plain vanilla lending. Nor has it hindered the ability of Wall Street to continue to take opaque trading risks that compromise the integrity of our financial system. Many of these risks are due to loopholes in Dodd-Frank created by vigorous banking industry lobbying.
(MORE: The Myth of Financial Reform)
2. While Dodd Frank has, as I write in the piece, created "something of a roadmap" to wind down banks, most experts believe that it's still unclear how the rules would work in practical terms, especially given that the biggest banks are now larger—rather than smaller—than they were before the crisis. The majority of reform minded economists believe that breaking up banks to make them both simpler and smaller is the best way to reduce risk in the financial system.
3. To that point, while it's true that the US banking system is relatively small as a percentage of GDP compared to Europe and Japan, the US financial sector is not. What's more, the size of the global shadow banking sector has actually grown by $5 trillion since before the financial crisis, reaching a whopping $67 trillion in 2011, according to the Financial Stability Board. (For more, please see page eight of this report.)
4. While I agree with Mr. Coley's assertion that many—though, it must be said, not all—of the largest banks have offloaded risky assets and increased the level of risk-absorbing capital since the crisis, it's important to consider context. Raising Tier 1 capital by 70% may sound impressive, but it has been raised from a base of almost nothing relative to risk—which means that this "accomplishment" still leaves much work to be done. For a broader understanding of new national and international capital requirements and how easy it is to game them in order to provide the illusion of financial stability, I would encourage readers to look at FDIC vice-chairman Thomas Hoenig's April 2013 speech entitled "Basel III Capital: A Well-Intended Illusion."
5. On derivatives, I agree that a tremendous amount has been done to bring risky trades into the light since the financial crisis. And as I mention in the piece, nearly all of the credit for that goes to CFTC chairman Gary Gensler. Were it not for former Treasury Secretary Geithner's decision to exempt foreign exchange derivatives from the Dodd-Frank rules, I believe we'd be even further along in this process.
I think the key point of difference between Mr. Coley's view and my own is that while it's true that banks may individually be stronger than they were before the crisis, our system as a whole is not. Banking has not been re-moored in the real economy. And until it is, I fear that our recovery—and ultimately our economy—will continue to be at risk.


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Medium collar fits 15-20" neck and has a width of 3/4".
Cetacea chain martingale collars are one of your best choices for a quality training collar. Dog trainers and vets recommend this type of collar when a correction collar is needed. The martingale collar is fashioned after equine designs providing a form of a limited choke collar. The exceptional feature of a martingale collar is that the slip function can be limited to not over-choke your pet. To make the Cetacea martingale more practical than other brands it uses a quick release buckle so that the collar can be put on or removed from your dog's head without having to readjust the length.
Cetacea collars are sewn using a unique Bar-tack stitch which is remarkably stronger and more durable than traditional "Box X" stitch used by other manufacturers. The Chain is made from steel and is coated with a durable and rust resistant nickel finish while the quick release snap is made of high quality Acetyl plastic.
Martingale collars are useful for narrow headed breeds or any dog who has a tendency to slip out of regular buckle collars. Properly fitted martingales are accepted by many venues for use in Rally Obedience trials.
*Measurements noted are for the webbing only; it does not include the chain. Chain adds 3 to 4 inches.


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Your vehicle is important to you, and keeping it running properly is important to your lifestyle. That's why you're smart enough to have it serviced regularly at Autotronics of St. Peter in St. Peter. And even though it may just be routine maintenance, you want it done right by automotive professionals.
It's also very important to your St. Peter service center to keep you happy and on the road. You might be surprised at the amount of money our St. Peter auto service center spends annually to make sure our friendly and knowledgeable technicians are properly trained.
Autotronics of St. Peter offers a variety of automotive services for many kinds of vehicles. We need to be current on the latest techniques and parts so that we can give you quality service. Our St. Peter service centers subscribe to data services that list the high quality parts and fluids recommended by your manufacturer.
And each service has a checklist of standard procedures. Autotronics of St. Peter technicians follow these procedures so they can safely deliver a consistent level of high-quality service.
Some services at Autotronics of St. Peter require the use of specialized equipment. Autotronics of St. Peter technicians are trained extensively on this equipment so that they can service your car quickly and efficiently.
Classroom, video and hands-on training is provided by the company and outside trainers. It's not only important that friendly and knowledgeable technicians be able to perform a given task, they also need to be thoroughly trained in inspection and diagnostic techniques. One of the great services they perform is to detect potential problems before they become serious.
The automotive service industry has standards for classifying and communicating problems. For example, it's one thing to learn that your manufacturer recommends that you change your serpentine belt every 30,000 miles/48,000 km and another to learn that the belt is on the verge of failure. These standards help you understand the urgency of recommendations, letting you make better automotive service decisions.
MN folks may be interested to know that service technicians (including those at Autotronics of St. Peter) are trained in compliance with federal and local St. Peter laws and regulations, including environmental regulations regarding the disposal of used parts and fluids.
It's the goal of Autotronics of St. Peter to provide fast, courteous service. You should feel free to ask your friendly and knowledgeable technician or one of the managers about your service or for more information about their recommendations.
At Autotronics of St. Peter, well-trained service providers, established procedures, industry standards and, of course, great people, combine to give you the best auto service in St. Peter.
Autotronics of St. Peter
111 Jefferson Avenue
St. Peter, MN 56082


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Kallas, Aino
The Finnish-Estonian writer Aino Kallas (born Aino Krohn, 1878–1956) can still be seen as one of the most international Finnish writers. After marrying Estonian scholar and cultural activist Oskar Kallas in 1900, she moved to St. Petersburg, then to Tartu in Estonia, and later to London, where her husband acted as an ambassador in the years 1922–1934. It was during her years in London that Aino Kallas published her major novels: Barbara von Tisenhusen (1923), The Rector of Reigi (1926) and The Wolf's Bride (1928), which form a trilogy entitled Eros, the Slayer. Although she wrote in Finnish, Kallas took her subject matter from Estonian history.
During World War II she was forced to leave Estonia and settle in Stockholm. After her husband's death she wanted to return to her native land, but it was only three years prior to her death that she was finally given Finnish citizenship again.
Aino Kallas was awarded the Finnish State Prize for Literature in 1907, 1920, 1926, 1928 and 1942.
Tauno Pylkkänen's opera based on Kallas' novel The Wolf's Bride won the Prix Italia 1950.


text: Today was the celebration of the Lunar New Year in Tacoma's Lincoln District and I took the chance to snap some photos of the new signage that reflects the revitalization of the district. An article on the revitalization project can be found here. I love this district and am really looking forward to how the revitalization project proceeds. It was also a joy to see how some of the more recent immigrants are positively shaping the country.


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British Catholic Newspapers Recognise the Extraordinary Form (Traditional Latin Rite) Calendar
After prompting from the Latin Mass Society of England and Wales, two leading British Catholic journals now publish weekly information on the Liturgical Calendar for the Extraordinary Form.
The Catholic Herald, the main 'conservative' Catholic paper, publishes the full weekly calendar for the Extraordinary Form alongside that for the Ordinary Form. This is provided for them each week by Gordon Dimon, the LMS's Senior MC, who also compiles the LMS's annual Ordo [which someone really ought to send me, btw] which is used by priests worldwide.
More surprisingly, The Tablet – the main British journal of 'liberal' Catholicism – also runs a weekly link to the Latin Mass Society's website (www.latin-mass-society.org) where the full Ordo can be consulted (along with much else of interest to enquiring Catholics).
John Medlin, LMS General Manager, said: "I was pleased at how responsive both The Catholic Herald and The Tablet were to my suggestion that they acknowledge the calendar for the Extraordinary Form. It shows that the Extraordinary Form is becoming accepted for what it is – a rite of equal standing with the Ordinary Form. The other two main British Catholic newspapers – The Universe and The Catholic Times – have yet to catch up with the Herald and Tablet. I will keep prodding them!"
It seems to me that these other Catholic papers, and all the papers in the USA, and L'Osservatore Romano should post weekly TLM information as well!
Why don't they?


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Polityka Prywatności
Capital Com SV Investments Limited ("we", "CAPITAL.COM", the "Company") is responsible for the protection of the privacy and the safeguarding of the personal data of our clients and potential clients ("you"). Your privacy is important to us.
This Privacy Policy outlines how we manage the personal data we collect from your use of our services, applications or our website capital.com, through your interaction with us on social media or your other dealings with us. When doing that we act as data processor in accordance to the principles contained in The General Data Protection Regulation (GDPR) (EU) 2016/679. The Company's contact with regards to any queries about Data protection will be the Compliance Department which can be contacted through email on: email@example.com
1. Consent
Whenever we collect and process your personal data we do this as a data controller and with your explicit consent and for legitimate purposes. Within the categories of internal, external, financial, social and tracking data, the Company collects the following personal data:
1.1 Contact details
1.1.1 Category of personal data
Contact and Identity data
1.1.2 What information falls under this category
First name, Last name, date of birth, address, e-mail, phone number
1.1.3 Purpose of processing or legal basis
In order for the Company to provide financial services the Company is obligated to attain the contact and identity details from their clients (Know Your Client procedure). In order to comply with The Prevention and Suppression of Money Laundering and Terrorist Financing Laws Of 2007, 2010, 2012 And 2013 - 188(I)/2007 58(I)/2010 80(I)/2012 192(I)/2012 101(I)/2013, the company is obligated to retrieve this personal data from the clients.
1.1.4 Source of the data
The data is retrieved during the on-boarding procedure by the client
1.1.5 Existence of automated decision making or profiling
There is no automated decision making within this category of personal data.
1.1.6 Statutory obligation or Contractual requirement. Consequence of not providing the data by the client
Statutory obligation. If you decide not to provide this data, the agreement between you and the Company cannot be established. It is a regulatory obligation. The collection of your phone number is a contractual requirement.
1.2 Economic and appropriateness information
1.2.1 Category of personal data
Social and Financial data
1.2.2 What information falls under this category
- Economic profile: Employment status; Annual income; Source of income; current value of wealth; annual investment plans; investment objectives.
- Appropriateness information: Trading experience; Level of education
- Tax identification number
1.2.3 Purpose of processing or legal basis
The economic profile and the appropriateness information is all requested under the obligation of Part 2 section 25 of the Law L.87(I)/2017 regarding the provision of investment services, the exercise of investment activities and the operation of regulated markets. In the context of improving international tax compliance with the common reporting standard (CRS) for the automatic exchange of financial account information developed by the Global Forum of the Organisation for Economic Co-Operation and Development (OECD), the Republic of Cyprus signed on 29 October 2014, following a Council of Ministers decision dated October 22, 2014, the Multilateral Competent Authority Agreement for the automatic exchange of financial information of financial accounts. Under this agreement the Company is obligated to require the Tax Identification number of all trading clients.
1.2.4 Source of the data
The data is retrieved during the on-boarding procedure by the client
1.2.5 Existence of automated decision making or profiling
Automated conclusions are made based on your input in the relevant questionnaires. If you do not have enough knowledge or experience you will not be allowed to trade.
1.2.6 Statutory obligation or Contractual requirement. Consequence of not providing the data by the client
Statutory obligation. If you decide not to provide this data, the agreement between you and the Company cannot be established. It is a regulatory obligation.
1.3 Internet Protocol Address
1.3.1 Category of personal data
Tracking data
1.3.2 What information falls under this category
IP-address, device id, trading behaviour
1.3.3 Purpose of processing or legal basis
The purpose for acquiring and tracking the IP address is mainly for anti-fraud reasons. The Company is dealing with important data of clients and has implemented effective anti-fraud systems. These systems use the IP-Address and Device ID to detect potential fraud situations.
In order for the Company to provide our customised artificial intelligence service the tracking of the client experience is necessary.
1.3.4 Source of the data
The data is retrieved during the use of the application
1.3.5 Existence of automated decision making or profiling
The Anti-fraud systems detect possible patterns that can suggest that there could be fraudulent conduct with regards to your account. At this moment, the system warns the Company and you, in order verify.
Based on trading behaviour SMARTFEED can send you tips and related news.
1.3.6 Statutory obligation or Contractual requirement. Consequence of not providing the data by the client
Contractual requirement. If you decide not to provide access to this data. Anti-fraud systems will not be able to function correctly and the risk of being a victim of fraud will increase. Relevant news with regards to your preferable instruments and tips with regards to your trading behaviour will not be customised.
1.4 Communication recording
1.4.1 Category of personal data
1.4.2 What information falls under this category
Recording of phone calls, e-mails, chats.
1.4.3 Purpose of processing or legal basis
According to Commission Delegated Regulation (EU) 2017/565 of 25 April 2016, the Company shall establish, implement and maintain an effective recording of telephone conversations and electronic communications policy. Firms shall ensure the quality, accuracy and completeness of the records of all telephone recordings and electronic communications.
1.4.4 Source of the data
The data is retrieved during the phone calls, chats and e-mail communications.
1.4.5 Existence of automated decision making or profiling
There is no automated decision making within this category of personal data.
1.4.6 Statutory obligation or Contractual requirement. Consequence of not providing the data by the client
Statutory obligation. If you decide not to provide this data, the agreement between you and the Company cannot be established. It is a regulatory obligation.
By consenting to this privacy notice you are giving us permission to process your personal data specifically for the purposes identified. Consent is required for Organisation Name to process both types of personal data, but it must be explicitly given. Clients consent to the collection, processing, storage and use of personal information by the Company as outlined below when accepting the Company's Privacy Policy. Potential clients will be prompted to consent to the same by accepting this Privacy Policy through means that would allow us to trace and record that such consent has been properly given in the first place.
With regards to our collection and processing of your personal data you have the right to:
- unconditionally withdraw your consent to the collection, processing, storage and use of personal information by the Company. The client is also allowed to partially give consent to specific collection, processing and storage of personal data. At the time of giving consent you will be given several options to specify your consent. For withdraw of consent please see section 8.
- Erasure of personal details for non-active clients. The Company is obligated by the Cyprus authorities to keep records of client's details and trades for a period of 5-6 years (see more in section 6). After this period clients can opt to erase their details.
- Rectify your personal details on your request.
- Object to processing after giving the Company consent to collect, process and store your personal data. This may result in ending the business relationship with the Company.
If you want to make use of any of the above rights please contact our compliance department stating your account number and question related to any of the above rights at: email@example.com
2. Collection & Usage of Personal Information
CAPITAL.COM may collect the necessary Personal data for any legitimate purpose related to our services, which include, among others, assisting you in opening your trading account, performing transactions, safeguarding your assets and privacy, providing client support, customizing your browsing experience, improving your overall customer experience and ensuring that you are always kept up to date with our latest products and services.
In this respect, CAPITAL.COM gathers information from its clients and potential client and may, in certain circumstances, gather information from banks, agencies and/or other sources which will help CAPITAL.COM to construct its clients' and potential client profiles.
CAPITAL.COM also collects the necessary information to ensure its compliance with the applicable laws and regulations, including any relevant anti money laundry rules and the Foreign Account Tax Compliance Act (FATCA) and the OECD Common Reporting Standard (CRS).
We will not hold any information about your debit or credit cards, or any payment method used by you to make a deposit not required by the Applicable Regulations (as defined in the Company's Terms & Conditions), and will at all times be in compliance with the undertaken cardholder data security standards. For this reason we only work with trusted and regulated Payment Service Providers.
The information CAPITAL.COM collects includes information required to communicate with and identify its clients and potential clients. The Company may also collect certain demographic information, including, birth date, education, occupation, etc. CAPITAL.COM can also assess trading related information. We neither collect nor process any sensitive data, including data concerning racial or ethnic origin, political convictions, religious or philosophical beliefs, participation in a body, association or a trade union, health, personal life, as well as data relevant to criminal prosecutions or convictions.
We may collect information in a form that does not, on its own, allow to identify any specific individual (i.e. not personally identifiable information), including such information as language, zip code, area code, unique device identifier, referrer URL, location, and the time zone. We may collect, use, transfer, and disclose such not personally identifiable information for whatever legal purpose this information may serve as long as it is not traceable to the original owner and therefore not categorised as personal data.
Our website capital.com, e-mails and messages may contain data analysis tools which allow us to track receipt of correspondence & messages and to count the number of users that have visited our website or opened our correspondence & messages. Such information is completely anonymized and is not personally identifiable.
3. Protection of Personal Information
Any personal information provided by you to CAPITAL.COM will be treated as confidential and shared only within the Company and its affiliates and will only be disclosed to a third party taking in account the principle of data minimisation (only the necessary info) or under any regulatory or legal proceedings. In case such disclosure is required to be made by law and/or any regulatory authority, it will be made on a 'need-to-know' basis, unless otherwise instructed by the law and/or regulatory authority. Under such circumstances, CAPITAL.COM will expressly inform the third party of the confidential nature of the information. See the list of third parties in section 4.
4. Affiliates, Partners and Non-Affiliated Third Parties
CAPITAL.COM does not sell, license, lease or otherwise disclose your personal information to third parties, except as described in this Privacy Policy.
CAPITAL.COM may share information with its affiliates, including those located outside the European Economic Area (EEA), in the event such information is reasonably required by such affiliate to provide the services to you. In case any information is provided to affiliates outside the EEA, the Company will do so in full compliance with the applicable EU-wide data protection regulations.
The personal data is shared with the following category of affiliates/partners:
# | Category | Location | Access | Purpose |
1 | Payment service providers | EU | ACCOUNTING | Payments processing, Antifraud/Risk check System, Application logs for payment system |
2 | Banks | EU | ACCOUNTING | Payment requisites |
3 | Marketing | EU | MARKETING | Marketing analytics |
4 | Marketing | EU | MARKETING | Marketing attribution automation |
5 | Development | United States | MARKETING PRODUCT MANAGERS | Product analytics |
6 | Customer support | EU | SUPPORT | Customer Support Automation |
7 | Storage/Backup | Ireland | DEVELOPMENT | Application logs for payment system, Document storage |
8 | Communication | Ireland | MARKETING | Email communication, campaigns, transactional emails, SMS communication, transactional SMS |
All the mentioned partners only get the minimum amount of personal data in order for them to provide their service to our company and therefore to you. In addition, CAPITAL.COM may engage third parties to carry out certain internal functions such as account processing, fulfilment, client service, client satisfaction surveys or other data collection activities relevant to its business. The use of the shared information is strictly limited to the performance of the above and is not permitted for any other purpose. All third parties with which CAPITAL.COM shares personal information are required to protect such personal information in accordance with all relevant laws & regulations and in a manner similar to the way the Company protects the same. CAPITAL.COM will not share personal information with third parties which are considered as not being able to provide its clients and potential client with the required level of protection.
CAPITAL.COM will not engage any business introducers and no information will be passed by the Company to such entities.
5. Contacting Clients
5.1 Client Communications
From time to time CAPITAL.COM may contact you by email or by telephone or message you and we may keep a record of such communications for quality assurance and any other lawful and legitimate business purposes. The relevant records will be our sole property and you accept that they will constitute evidence of the communications between us and will be kept for as long as necessary to reach the purposes they were initially made for. We will use the phone number and e-mail specified by you during your account opening or any other dealing with us. Any person wishing to opt out of further contact with the Company is entitled to do so at any time. The respective "unsubscribe" link will be provided in the relevant e-mail communications of the Company. To opt out of communications via telephone and messages please email us at email@example.com.
5.2 Live Chats
The Company's site offers live chat services for your assistance 24/7. The Company reserves the right to store the chat records giving you the possibility to retrieve any previous history of communication with us. Storing chat records will also help the Company to ensure a continuous internal control regarding our live chat. The Company shall use live chat data only for purposes of business relationship between you and the Company.
5.3 Identify verification via video communications
The Company may proceed to communicate with you via video for the verification of your identity following the rules applicable to the Company.
6. Storage
We store the gathered personal information for a reasonable period necessary to fulfil the purposes for collecting it in the first place. In any case the gathered information will be stored for a period not less than the one we are required to observe in order to comply with the applicable rules and regulations, namely 5 years with regards to obligations (Directive D144-2007-08 Of 2012 Part VII Record Keeping Paragraph 31) under the Cyprus Security and Exchange Commission (CySEC) and 6 years with regards Accountancy data obligated by the Cyprus Tax law. The authorities can request a longer period if they deem necessary. If Client has not been actively making use of our financial services for 5 - 6 years (depending on the data), we will remove any details that will identify you or we will securely destroy the records, Unless we substantiate why we need the data for a longer period of time.
7. Use of "COOKIES"
CAPITAL.COM uses cookies to secure its clients' trading activities and to enhance the performance of its website capital.com. The cookies used by the Company do not contain personal information or other sensitive information.
CAPITAL.COM may share its website's usage statistics with reputable advertising companies and with its affiliated marketing company. It is noted that the information collected by such advertising company is not personally identifiable. To administer and improve its website capital.com, the Company may use third parties to track and analyse usage and statistical volume information. The third party may use cookies to track behaviour and may set cookies on behalf of the Company. These cookies do not contain any personally identifiable information.
For more information on how we utilize cookies, please refer to our Cookies Policy.
8. Privacy Policy Updates and Contact
CAPITAL.COM may update this Privacy Policy from time to time. In the event the Company materially changes this Policy including how it collects, processes or uses your personal information, active clients will be notified as provided for Clause 19 ("Amendments") of the Company's Terms & Conditions. Potential clients are notified by means of the publication of the updated Privacy Policy on our website capital.com.
CAPITAL.COM encourages you to periodically review this Privacy Policy so that you are always aware of what information the Company collects, how it uses it and to whom it may disclose it, in accordance with the provisions of this Privacy Policy.
To withdraw your consent for receiving specific marketing material, you can simply send an email to email@example.com with in the subject "withdrawal" mentioning one or more of the following categories of email updates, you do not want to receive anymore.
- Newsletters
- Trading tips
- Educational services
- Product update summaries
Furthermore, if you have any complaints in relation to the areas discussed above please forward your complaint to us by email. The responsible person for the privacy policy of the Company is the Head of Compliance Mr. Clyde Zorgvol. You can reach his department by email: email@example.com
As a Client of the Company you have the right to lodge a complaint at the Cyprus Data Protection Commissioners 'Office.
1 Iasonos str., 1082 Nicosia
P.O.Box 23378, 1682 Nicosia
Tel: +357 22818456
Fax: +357 22304565
Email: firstname.lastname@example.com
Privacy Policy V5.0 20180801


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Select Page
Deutsche Bank
Sep 4, 2018
Valdis Dombrovskis
Vice-President for the Euro and Social Dialogue also in charge of Financial Stability, Financial Services and Capital Markets Union, European Commission
Valdis Dombrovskis is the Vice-President of the European Commission responsible for the Euro and Social Dialogue, also in charge of Financial Stability, Financial Services and the Capital Markets Union. Prior to that, he served three consecutive terms as Prime Minister of Latvia, becoming the longest serving elected head of government in Latvia's history. Before becoming European Commission Vice-President, Valdis Dombrovskis was elected for the second time as a Member of the European Parliament (first, 2004-2009) and Head of the Latvian Delegation in the EPP Group. He served as a Member of the Saeima (Parliament) of Latvia (March 2004 – June 2004; January 2014 – June 2014) and was Latvia's Minister of Finance from 2002 to 2004.
Valdis Dombrovskis was born on 5 August 1971 in Riga, Latvia. He graduated with a degree in physics from the University of Latvia (1993) and economics from Riga University of Technology (1995). He received his master's degree in physics in 1995 from the University of Latvia. In 1995 -1998, he worked as a research assistant at Mainz University, Germany, at the Institute of Solid-State Physics in Latvia and at the University of Maryland (USA).
Prior to joining politics, he worked as a senior economist and Chief Economist at the Bank of Latvia (1998-2002). Together with Anders Aslund, he co-authored the book "How Latvia came through the financial crisis", which was published in 2011. In November 2014, Valdis Dombrovskis was awarded the Order of the Three Stars
(Triju Zvaigžņu ordenis)
, the highest State Decoration of the Republic of Latvia.


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02 Feb Honey could be effective at treating and preventing wound infections
Manuka honey could help clear chronic wound infections and even prevent them from developing in the first place, according to a new study published in Microbiology. The findings provide further evidence for the clinical use of manuka honey to treat bacterial infections in the face of growing antibiotic resistance.
Streptococcus pyogenes is a normal skin bacterium that is frequently associated with chronic (nonhealing) wounds. Bacteria that infect wounds can clump together forming 'biofilms', which form a barrier to drugs and promotes chronic infection. Researchers at Cardiff Metropolitan University have shown that manuka honey can not only destroy fully-formed S. pyogenes biofilms in vitro but also prevent the bacteria initially binding to components of wound tissue.
Honey has long been acknowledged for its antimicrobial properties. Traditional remedies containing honey were used in the topical treatment of wounds by diverse ancient civilisations.
Manuka honey is derived from nectar collected by honey bees foraging on the manuka tree found growing in New Zealand and parts of Australia. It is included in modern licensed wound-care products around the world. Manuka honey has been reported to inhibit more than 80 species of bacteria, yet the antimicrobial properties of honey have not yet been fully exploited by modern medicine as its mechanisms of action are not fully understood.
Wounds that are infected with S. pyogenes often fail to respond to treatment. This is largely due to the development of biofilms which may be difficult for antibiotics to penetrate – in addition to problems of antibiotic resistance.
The results of this study showed that very small concentrations of honey prevented the start of biofilm development and that treating established biofilms grown in Petri dishes with honey for two hours killed up to 85% of bacteria within them.
The Cardiff team are working towards providing molecular explanations for the antibacterial action of honey. The latest study reveals that honey can disrupt the interaction between S. pyogenes and the human protein fibronectin, which is displayed on the surface of damaged cells.
"Molecules on the surface of the bacteria latch onto human fibronectin, anchoring the bacteria to the cell. This allows infection to proceed and biofilms to develop," explained Dr Sarah Maddocks who led the study.
"We found that honey reduced the expression of these bacterial surface proteins, inhibiting binding to human fibronectin, therefore making biofilm formation less likely. This is a feasible mechanism by which manuka honey minimizes the initiation of acute wound infections and also the establishment of chronic infections."
Ongoing work in Dr Maddocks' lab is investigating other wound-associated bacteria including Pseudomonas aeruginosa and meticillin-resistant Staphylococcus aureus (MRSA). Manuka honey has also been shown to be effective at killing these bacteria.
"There is an urgent need to find innovative and effective ways of controlling wound infections that are unlikely to contribute to increased antimicrobial resistance. No instances of honey-resistant bacteria have been reported to date, or seem likely," said Dr Maddocks.
"Applying antibacterial agents directly to the skin to clear bacteria from wounds is cheaper than systemic antibiotics and may well complement antibiotic therapy in the future. This is significant as chronic wounds account for up to 4% of health care expenses in the developed world."
Journal Reference:


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Region of Peel Council
Watch live
Regional Chair:Nando Iannicca
Speaking at Council or Committee
Mayor: Patrick Brown
Mayor: Annette Groves
Mayor: Carolyn Parrish
Translation on this website is carried out by Google Translate, a third-party provider. Please note that accuracy, page structure and accessibility may vary across languages. The Region of Peel is not responsible for incorrect or inaccurate translations and will not be held responsible for any damage or issues that may result from using the translator.


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Live Like a King: See George Strait Through the Years
George Strait isn't known as the "King of Country" for no reason. The influential, iconic and legendary hitmaker has had such an impressive career, and even at 66 years old, he's still going strong.
Strait was born on May 18, 1952, in a town called Poteet, Texas. His Texas influence has been visible throughout his storied career, which began in 1981 with the release of "Unwound." The following year the singer released the Straight from the Heart album, which included his first No. 1 hit, "Fool Hearted Memory."
Strait has had a total of 60 No. 1 hits in career — an unbelievable feat that only he could accomplish. King George is a member of the Country Music Hall of Fame, he's received CMA and ACM Awards for Entertainer of the Year numerous times and he's sold more than 100 million records. The singer shocked the world in 2012 when he announced he was retiring from the road, but thankfully, he plans to continue recording great country music. Strait finished the Cowboy Rides Away tour in 2014 with huge attendance numbers.
Check out the photo gallery above to reminisce over Strait's incredible career.
You Think You Know George Strait?


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Commemorative Milestones Frame
Create an unforgettable, personalized memory map, a heartfelt gesture to celebrate the special moments you've shared.
Express Delivery between 3 to 7 days worldwide*
See Your Gift Before You Order: Easy Online Preview
Open Luxury: Each Gift Wrapped in Premium, Elegant Packaging
Starting at -*
Our tool, the Memory Mapper lets you effortlessly create unique Memory Maps of any location, in just a few steps!
Choose your special location
What moments are special to you? Choose a location connected your memory, or simply any place that makes you feel good!
Personalize your text
Add any special words or quote that best describe how your memory made you feel, or a loveable message
Describe your memory in unique ways with colors and themes
Every memory is unique, and with our predefined colors and themes you can quickly create a map that compliments your memory
Check out our other products
"If you think your room is in a need of a makeover (even a tiny one), then go and shop from this brand ASAP!"
"They have close-ups of stylized maps that customers can customize by adding landmarks of notable events and dates."
" Turn your favourite memories into works of stylised cartography, aka memory maps. These are the ultimate all-purpose gift: housewarming, graduation, engagement, birthdays, anniversaries —let your imagination fly."
"We bet you won't be able to resist snapping them up"
Choose which size best fits for you
For memories you want to hold on to
These palm-sized frames are collectables for precious memories. The size of this frame makes for a perfect hush-hush/secret gift!
For memories you want to share
This size is travel friendly and compact. Perfect for table tops!
For memories you can't forget
This frame size is a reminder that good times exist!
We care about your privacy
We own our manufacturing, and all products are packaged such that you can tell if they've been tampered
We auto delete images every 30 days
We never post anything on social media without consent
We make sure it's always an
express delivery!
We dispatch within 24 hours
Customise online in just a few steps
We use only express delivery partners wherever we can. Around the world
Combine different products to create
a hamper
Add multiple products to help tell your story
We ship all your products together within 24 hours
We package all your products together
Memory Map FAQ
What materials do you use?Your Memory Maps are printed on museum graded paper. The paper ensures longevity, making sure that the places and stories closest to your heart can be enjoyed for years to come. Our high quality inks capture every intricate detail of your chosen design and ensure a sharp, smooth finish, and our matt texture ensures that your print doesn't look shiny. Our frames come with a stand at the back and a hook. They can be placed on a surface or wall-mounted. The frames have a glass front.
How many days to ship my order?We dispatch your order within 24 to 48 hours of placing it. From there it takes 3 to 5 days to reach you.
How can I place an order?You can place your order on our website directly! Hit the "Create Yours Now" button on the page :)
Where Can I track my order?We send over a tracking URL within 24 to 48 hours of you placing your order. You can always head to the tracking page on the website itself and enter your order ID, or reach out to us on Instagram.
Do you ship internationally?Yes! We definitely deliver internationally. While filling out your address details just select the country you want your memory delivered and that's it! *Charges applicable*


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Chairs, a table and a smartphone speaker amplifier are only a few of the prototypes students in Mr. Siniawski's engineering design and development course were able to create during the first nine weeks of the school year. The honors-level students recently completed a material processing unit and presented their prototypes to a group of South Park administrators, teachers and staff members.
Engineering design and development is the capstone course in the engineering pathway. These students already received extensive software training in previous courses. During the first quarter of the engineering design and development course, they receive instruction on machine usage, new software, material properties and joinery in the production of a product of their choosing.
The students produced their prototypes using 21st century equipment, including a new Epilog Laser engraver and upgraded CNC spindle. During presentations on November 4 and 7, students presented their engineering design process, final prototype and reflection.


text: Gray Matters explores the long, fascinating life and complicated career of architect and designer Eileen Gray, whose uncompromising vision defined and defied the practice of modernism in decoration, design and architecture. Making a reputation with her traditional lacquer work in the first decade of the 20th century, she became a critically acclaimed and sought after designer and decorator in the next before reinventing herself as an architect, a field in which she laboured largely in obscurity. Apart from the accolades that greeted her first building –persistently and perversely credited to her mentor–her pioneering work was done quietly, privately and to her own specifications. But she lived long enough (98) to be re-discovered and acclaimed. Today, with her work commanding extraordinary prices and attention, her legacy, like its creator, remains elusive, contested and compelling.


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I'm still REALLY enjoying the updates to FL Studio. I was a bit scared of the changes they made in v10 until I forced myself to work on a new project. This is more of that first tune I started on FL Studio 10 where I'm forced to see things in a different way. Within about 10 min, I was lost in this project and I was excited about the changes. It's super-valuable to have a tool you like working with. Huge thanks to those that have put their time and energy into making FL. I'm very thankful to have it.
I don't have an ETA on RJCD3 yet, but I definitely have enough fun material for it. I'm at the point where I need to keep a notebook on my desk and start keeping notes on what exactly needs to be worked on. Organization is not a natural thing for me in my production but without it, I end up going in circles without finishing stuff. HAHA


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- Artist: Kitty Kielland
- Creation date: (1887)
- Object type: Painting
Kitty Kielland is known for her themes of bright summer nights and classic landscapes from Rogaland. She was also involved in the women's movement and held strong opinions about her times.
As a daughter in one of Stavanger's leading merchant families, the young Kitty Kielland had the opportunity to learn to draw and paint. Encouraged by the artist Hans Gude, she travelled abroad, and in 1873–75 she studied under him in Germany, focusing on landscape painting. Kielland was among the first women to be admitted to this art school.
In 1875–78 she moved to Munich, where she formed important friendships with Eilif Peterssen and Harriet Backer. In Germany, Kielland continued to paint landscapes, and during her summer stays in Norway she found several new motifs. She painted small studies outdoors as well as large-scale compositions in a studio.
A painter from Rogaland
Kielland painted several characteristic motifs from her native Rogaland, and her brother Alexander Kielland wrote a text for her painting Torvmyr (Peat bog).
"Year by year, the small green and yellow patches below increased in number and size; piece by piece they cut away the heather moorlands; then came the small houses with red-tiled roofs and chimney tops with stifling peat smoke – men and the work of men everywhere". (excerpt from the short story Torvmyr (Peat bog) by Alexander Kielland, 1907)
In 1879 Kielland moved to Paris, and a year later she studied under the landscape painter Léon Germain Pelouse. That same year she participated in the Salon art exhibition in Paris for the first time. When the precursor to Norway's national Høstutstillingen (Autumn Exhibition) was established in 1882, she participated with motifs from Lista in southern Norway. Kielland considered most of her studies to be completed works of art, and they were exhibited and sold as such, which was unusual at the time.
Her friendship with Harriet Backer lasted her whole life. They also shared an apartment in Paris. In 1885 they both visited Christian and Maggie Skredsvig at Fleskum farm in Bærum, outside Oslo. Several other artists were also there, and in Norwegian art history this gathering has become known as "the Fleskum summer" because many of the artists wished to convey the atmosphere of the bright summer nights.
A freer painting style
Landscapes are Kielland's favourite theme, though she also painted interiors. After 1900 her realistic style changed as she progressed towards looser brushwork and more defined strokes. Her choice of colours also became brighter. In 1900 she produced a draft of the decor Bekkeblom (Marsh marigold) for a tableware collection for Egersund Faience Works. The National Museum's collections contain drawings, a number of paintings and, not least, Bekkeblom by Kitty Kielland.
Norwegian Association for Women's Rights
Kielland was an actively engaged woman. She took part in the debate on women's rights and co-founded the Norwegian Association for Women's Rights in 1884. She wrote short stories, and a number of letters and articles that were published in newspapers and magazines. Kielland was known for her strong opinions and occasionally biting wit. Kitty Kielland died in 1914, after several years of ill health.


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Making Life Easier For A Senior Loved One
All of us wish that our parents and loved ones could stay young forever. However, the reality is that the people we love age and get older. All of us want to make life as comfortable as possible for our senior loved ones. If you have an older relative in your life and you want to make his or her life a little easier, then follow this advice.
Making Bath Time Safer and Simpler
Many seniors begin to struggle with bathing and hygiene tasks as they get older. Getting in and out of the bathtub, for example, can not only be challenging, but pose a risk of a slip or a fall. If you want to make your senior loved one's bathing time a whole lot safer, have a handicap accessible shower installed. It allows your loved one to maintain his or her independence without posing any safety risks.
Help Them With Access To Technology
Many seniors didn't grow up with a lot of the technology that is common today and therefore have difficulty using technological devices. Similarly, eyesight issues can make screens difficult to read. Look for senior accessible devices to help make your loved one's life a little easier. For example, there are many cell phones available that are specifically designed for older people, without all the bells and whistles of most phones. There are also remote controls that feature oversize buttons for easier usage.
Be Sure They're Always Connected
Falls, slips and other emergencies can happen. Be sure that your senior loved one can always call for help no matter where they are in their home. For some, this might mean always having a cell phone on their person. For others, look into push-button emergency services alerting systems. While it might seem like a big investment, it can be a lifesaver in the event of an accident or emergency.
We all want our senior parents and loved ones to be happy, healthy and safe. If you follow these tips, you can give your loved one the most comfortable life possible.


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Heritage at Risk - Special Edition 2006: The Soviet Heritage and Europe Modernism
Edited by Jörg Haspel, Michael Petzet, Anke Zalivako and John Ziesemer
(April 2006)
Order a copy
- Press release and order information in English
- Press release and order information in Russian
- Publisher's website:Hendrik Böhler Verlag, Berlin
Electronic Version
The Heritage at Risk Special Edition "The Soviet Heritage and European Modernism" is available for download in PDF format. You can either download the full version (PDF, 11.3 MB)or the individual articles below. In order to open the documents, you need to have the Adobe Reader software installed on your computer. If not otherwise noted, the texts are in English.
The Soviet Heritage and European Modernism
- Contents
- Editorial
- MOSCOW DECLARATION on the Preservation of 20th-Century Cultural Heritage
- RESOLUTION on Konstantin Melnikov's House and Collection
Initial Statements
- Sheridan Burke, ICOMOS International Scientific Committee of the 20th Century Heritage: Twentieth-Century Heritage at Risk and the Role of ICOMOS in its Conservation
- Maristella Casciato, DOCOMOMO International: Modern Monuments and Heritage at Risk
- John Stubbs, World Monuments Fund: Mobilizing Support for Conserving 20th Century Architecture
I. The International Day for Monuments and Sites 2006 in Moscow - a Summary
- Selim Khan-Magomedov: The 20th Century in the Context of the Millennium (Text in Russian)
- Jörg Haspel: World Heritage of the 20th Century Chances for Russia from a Foreign Point of View
- Jean-Louis Cohen: Listing Le Corbusier as UNESCO World Heritage
- Jukka Jokilehto: Modern Built Heritage as World Heritage
II. Heritage Saved from Risk - Case Studies from Moscow and the Former Soviet Union
- Maija Kairamo: The Restoration of Viipuri Library, an International Pilot Project
- Marina Khrustaleva: "Bright future" the Symbolic Potential of New Life for the Commune House (Text in Russian)
- Boris Pasternak: Burevestnik Factory Club. Short Notes on the Restoration and Conversion Project
- Alexander Lozhkin: House of Science and Culture , the Opera and Ballet Theatre in Novosibirsk (Text in Russian)
III. "Heritage at Risk" & Case Studies from Moscow and the Former Soviet Union
- Anke Zalivako: 2000 & 2006: Monitoring Moscow's Avant-garde Architecture
- Natalia Dushkina: From "Metropolitan" to "Underground"
- Clementine Cecil: The Melnikov House-Studio
- Irina Chepkunova: Architectural Avant-garde in the Moscow Suburbs
- Andrey Chernichov: Preservation and Development of Iakov Chernichov's Heritage- The Water Tower of the Cable Factory of the "Krasnyj Gvozdilshik" Plant (1930-1931)
- Margarita Shtiglits: Monuments of Industrial Architecture of the Leningrad Avant-garde Movement (Text in Russian)
- Alexander Buryak / Irina Kraizer: Stylistic Attribution of the Dzerzhinsky Square (Freedom Square) in Kharkov (Text in Russian)
- Igor Martynenko: Demolition of Architectural Monuments under the Pretence of their Restoration: From Theory to Criminal Practice (Text in Russian)
- Tatyana Budantseva: Modernist Heritage of Sverdlovsk Today
- Tatyana Vinogradova: Works by the Engineer Vladimir Shukhov in the Nizhny Novgorod Region (Text in Russian)
IV. World Heritage Sites of the 20th Century ? German Case Studies
- Omar Akbar: Bauhaus and Heritage
- Monika Markgraf: Conservation and Preservation of the Bauhaus Building in Dessau
- Michael Siebenbrodt: The House "Am Horn" in Weimar . Bauhaus site and World Heritage site: Construction, Usage and Preservation (Text in German)
- Norbert Mendgen: Preservation and Re-use of the Blast Furnace Site: UNESCO World Heritage Site "Völklingen Ironworks"
- Walter Busch: The architects Schupp & Kremmer and their contribution to the World Heritage of the 20th Century: "Zollverein" Coal Mine Industrial Complex in Essen and Mines of Rammelsberg in Goslar (Text in German)
- Jörg Haspel: The Heritage of the Berlin Modern Style. Nomination of Housing Estates for Inscription on the UNESCO World Heritage List
V. Moscow - Berlin: Interchanges and Heritage of the 20th Century
- Anke Zalivako: Connections between Germany and Soviet Russia's Avant-garde Architecture. Examples from the 1920s in Berlin and Moscow (Text in Russian)
- Winfried Brenne: Practical Experience with the Buildings of the Avant-garde in Berlin and East Germany
- Alexey Vorontsov: The Bakhmetevsky Bus Depot (Text in Russian)
- Annemarie Jaeggi: Relations between the Bauhaus and the Russian Avant-garde as Documented in the Collection of the Bauhaus Archive Berlin
- Aleksey Ginzburg: The Narkomfin Building
- Tatyana Tsareva: Residential Settlements in Moscow in the 1920s. Methodical Approaches for Establishing Special Rehabilitation Programs (Text in Russian)
- Evgenya Dutlova: The History of the Construction of the Kremlin Palace of Congresses in Moscow (State Kremlin Palace)
ICOMOS Germany


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Cedar Carhartt ® Midweight Crewneck Sweatshirt CTK124
A comfortable layer for when the temperature drops, this sweatshirt is made of a soft cotton blend. To seal out the cold and lock in the warmth, it features stretchable spandex rib knit cuffs and waistband.
- 10.5-ounce, 50/50 cotton/poly blend
- 70/30 cotton/poly blend (Heather Grey)
- Front-neck V patch for easy on/off
- Stretchable, spandex-reinforced, rib knit cuffs and waistband
- Carhartt label sewn on lower left front
- Original fit


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Lily (2035)
Hello, gentlemen. I'm Lily. I'm a curvy, blonde bombshell. My idol is Marilyn Monroe. I love men that can exceed my expectations. Only a confident, strong man, can handle all the sensual pleasure I want to give. The image of my dancing for you, and blushing beneath you, will be stuck in your head for a long time. If you want to experience my softness, give me a call, I'll be waiting.


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OR WAIT null SECS
© 2024 MJH Life Sciences™ and Pharmaceutical Technology. All rights reserved.
FDA's requirements for API manufacturers in regards to ICH Q7.
Q. How closely does FDA expect API manufacturers to adhere to ICH Q7 for GMPs?
Good Manufacturing Practice Guide for Active Pharmaceutical Ingredients
, like its ICH Q1-Q11 siblings, was developed within the designated ICH Expert Working Group and was subject to consultation by the regulatory parties, in accordance with the ICH process (1). In November 2000, ICH Q7 was endorsed by the ICH Steering Committee and subsequently adopted by the participating ICH regulatory bodies of the European Union, Japan, and the United States. It, therefore, has international adoption and acceptance. The overall ICH process is, in my opinion, the best example of successful international harmonization efforts, creating a foundation of common standards upon which meaningful leveraging opportunities may be built.
ICH Q7 itself provides guidance regarding cGMPs for the manufacturing of APIs under an appropriate system for managing quality. It is also intended to help ensure that APIs meet the quality and purity characteristics that they purport, or are represented, to possess. Legally, FDA considers ICH Q7 to be the equivalent of "guidance." FDA guidance documents are quite helpful and typically explain the agency's interpretation of laws and regulations, often describing acceptable means and methods that would comply with the law and that may be considered best practices. Although guidance documents are not legally binding, following them is highly recommended. FDA cannot enforce guidance nor will it specifically cite departures from guidance in regulatory communication. The agency enforces the law and properly promulgated regulations that have the force and effect of law. How then is ICH Q7 used by FDA in the regulation of API manufacturers?
The Federal Food, Drug and Cosmetic Act Section 501 (21 USC 351) states that a drug (whether the drug is a finished pharmaceutical or a component of a finished pharmaceutical) is considered adulterated if "...the methods used in, or the facilities or controls used for, its manufacture, processing, packing, or holding do not conform to or are not operated or administered in conformity with current good manufacturing practice..."(2). For finished pharmaceuticals, the cGMP requirements are clear—the agency promulgated cGMP regulations for finished pharmaceuticals in 21 CFR 210/211 (3).
The agency has not established cGMP regulations for APIs. Nevertheless, APIs must still meet the provisions of the law and be manufactured in conformance with cGMP. But without regulations, what is considered to be cGMP for an API? The answer, for all practical purposes, is ICH Q7 is considered to be cGMP for an API. Closely following its provisions will not only help ensure your APIs are safe, pure, and potent, but following its provisions will also help ensure your APIs are not considered to be cGMP-adulterated.
1. ICH, Q7 Good Manufacturing Practice Guide for Active Pharmaceutical Ingredients (November 2000).
2. Federal Food, Drug and Cosmetic Act Section 501 (21 USC 351).


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It was now past five in the morning, and other company began to rise and come to the kitchen, among whom were the serjeant and the coachman, who, being thoroughly reconciled, made a libation, or, in the English phrase, drank a hearty cup together.
In this drinking nothing more remarkable happened than the behaviour of Partridge, who, when the serjeant drank a health to King George, repeated only the word King; nor could he be brought to utter more; for though he was going to fight against his own cause, yet he could not be prevailed upon to drink against it.
Mr Jones, being now returned to his own bed (but from whence he returned we must beg to be excused from relating), summoned Partridge from this agreeable company, who, after a ceremonious preface, having obtained leave to offer his advice, delivered himself as follows:—
"It is, sir, an old saying, and a true one, that a wise man may sometimes learn counsel from a fool; I wish, therefore, I might be so bold as to offer you my advice, which is to return home again, and leave these horrida bella, these bloody wars, to fellows who are contented to swallow gunpowder, because they have nothing else to eat. Now, everybody knows your honour wants for nothing at home; when that's the case, why should any man travel abroad?"
"Partridge," cries Jones, "thou art certainly a coward; I wish, therefore, thou wouldst return home thyself, and trouble me no more."
"I ask your honour's pardon," cries Partridge; "I spoke on your account more than my own; for as to me, Heaven knows my circumstances are bad enough, and I am so far from being afraid, that I value a pistol, or a blunderbuss, or any such thing, no more than a pop-gun. Every man must die once, and what signifies the manner how? besides, perhaps I may come off with the loss only of an arm or a leg. I assure you, sir, I was never less afraid in my life; and so, if your honour is resolved to go on, I am resolved to follow you. But, in that case, I wish I might give my opinion. To be sure, it is a scandalous way of travelling, for a great gentleman like you to walk afoot. Now here are two or three good horses in the stable, which the landlord will certainly make no scruple of trusting you with; but, if he should, I can easily contrive to take them; and, let the worst come to the worst, the king would certainly pardon you, as you are going to fight in his cause."
Now, as the honesty of Partridge was equal to his understanding, and both dealt only in small matters, he would never have attempted a roguery of this kind, had he not imagined it altogether safe; for he was one of those who have more consideration of the gallows than of the fitness of things; but, in reality, he thought he might have committed this felony without any danger; for, besides that he doubted not but the name of Mr Allworthy would sufficiently quiet the landlord, he conceived they should be altogether safe, whatever turn affairs might take; as Jones, he imagined, would have friends enough on one side, and as his friends would as well secure him on the other.
When Mr Jones found that Partridge was in earnest in this proposal, he very severely rebuked him, and that in such bitter terms, that the other attempted to laugh it off, and presently turned the discourse to other matters; saying, he believed they were then in a bawdy house, and that he had with much ado prevented two wenches from disturbing his honour in the middle of the night. "Heyday!" says he, "I believe they got into your chamber whether I would or no; for here lies the muff of one of them on the ground." Indeed, as Jones returned to his bed in the dark, he had never perceived the muff on the quilt, and, in leaping into his bed, he had tumbled it on the floor. This Partridge now took up, and was going to put into his pocket, when Jones desired to see it. The muff was so very remarkable, that our heroe might possibly have recollected it without the information annexed. But his memory was not put to that hard office; for at the same instant he saw and read the words Sophia Western upon the paper which was pinned to it. His looks now grew frantic in a moment, and he eagerly cried out, "Oh Heavens! how came this muff here?" "I know no more than your honour," cried Partridge; "but I saw it upon the arm of one of the women who would have disturbed you, if I would have suffered them." "Where are they?" cries Jones, jumping out of bed, and laying hold of his cloaths. "Many miles off, I believe, by this time," said Partridge. And now Jones, upon further enquiry, was sufficiently assured that the bearer of this muff was no other than the lovely Sophia herself.
The behaviour of Jones on this occasion, his thoughts, his looks, his words, his actions, were such as beggar all description. After many bitter execrations on Partridge, and not fewer on himself, he ordered the poor fellow, who was frightened out of his wits, to run down and hire him horses at any rate; and a very few minutes afterwards, having shuffled on his clothes, he hastened down-stairs to execute the orders himself, which he had just before given.
But before we proceed to what passed on his arrival in the kitchen, it will be necessary to recur to what had there happened since Partridge had first left it on his master's summons.
The serjeant was just marched off with his party, when the two Irish gentlemen arose, and came downstairs; both complaining that they had been so often waked by the noises in the inn, that they had never once been able to close their eyes all night.
The coach which had brought the young lady and her maid, and which, perhaps, the reader may have hitherto concluded was her own, was, indeed, a returned coach belonging to Mr King, of Bath, one of the worthiest and honestest men that ever dealt in horse-flesh, and whose coaches we heartily recommend to all our readers who travel that road. By which means they may, perhaps, have the pleasure of riding in the very coach, and being driven by the very coachman, that is recorded in this history.
The coachman, having but two passengers, and hearing Mr Maclachlan was going to Bath, offered to carry him thither at a very moderate price. He was induced to this by the report of the hostler, who said that the horse which Mr Maclachlan had hired from Worcester would be much more pleased with returning to his friends there than to prosecute a long journey; for that the said horse was rather a two-legged than a four-legged animal.
Mr Maclachlan immediately closed with the proposal of the coachman, and, at the same time, persuaded his friend Fitzpatrick to accept of the fourth place in the coach. This conveyance the soreness of his bones made more agreeable to him than a horse; and, being well assured of meeting with his wife at Bath, he thought a little delay would be of no consequence.
Maclachlan, who was much the sharper man of the two, no sooner heard that this lady came from Chester, with the other circumstances which he learned from the hostler, than it came into his head that she might possibly be his friend's wife; and presently acquainted him with this suspicion, which had never once occurred to Fitzpatrick himself. To say the truth, he was one of those compositions which nature makes up in too great a hurry, and forgets to put any brains into their head.
Now it happens to this sort of men, as to bad hounds, who never hit off a fault themselves; but no sooner doth a dog of sagacity open his mouth than they immediately do the same, and, without the guidance of any scent, run directly forwards as fast as they are able. In the same manner, the very moment Mr Maclachlan had mentioned his apprehension, Mr Fitzpatrick instantly concurred, and flew directly up-stairs, to surprize his wife, before he knew where she was; and unluckily (as Fortune loves to play tricks with those gentlemen who put themselves entirely under her conduct) ran his head against several doors and posts to no purpose. Much kinder was she to me, when she suggested that simile of the hounds, just before inserted; since the poor wife may, on these occasions, be so justly compared to a hunted hare. Like that little wretched animal, she pricks up her ears to listen after the voice of her pursuer; like her, flies away trembling when she hears it; and, like her, is generally overtaken and destroyed in the end.
This was not however the case at present; for after a long fruitless search, Mr Fitzpatrick returned to the kitchen, where, as if this had been a real chace, entered a gentleman hallowing as hunters do when the hounds are at a fault. He was just alighted from his horse, and had many attendants at his heels.
Here, reader, it may be necessary to acquaint thee with some matters, which, if thou dost know already, thou art wiser than I take thee to be. And this information thou shalt receive in the next chapter.


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Galerie - season 2012/13
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What's next for real estate?
For most people, real estate remains a critical part of personal net worth. Despite the stock market's recovery, the average net worth of an American family is down about 25% because of tumbles in real estate values and investment assets.
Overview of Market Trends – Focus on Boston
While still suffering because of continued turmoil in the anchor employment areas of Financial Services, Insurance, Real Estate (FIRE), there have been signs of stability in and near major metropolitan areas like Boston. Although the employment picture remains bleak, the Boston metropolitan statistical area (MSA) showed the strongest gains in property values during 2009 according to a recently released report by Zillow Real Estate Market Reports.
Even with the strong gains helped along by the federal government's first time home buyer credit and continued low mortgage interest rates, there remain nearly 25% of homes that are "upside down" on their outstanding mortgages.
High unemployment persists as companies continue to announce layoffs or delay hiring. And given the expected wave of creative mortgage products like Alt-A loans, interest-only loans and "pick-a-payment" adjustable rate mortgages resetting to higher rates putting pressure on homeowners who are unable to refinance because of lack of jobs or lack of value, there will likely be an increase in the number of foreclosures.
According to research reported by HousingPredictor.com, the major metropolitan areas in the US will likely not see a boom in real estate until after 2020. With more than 7 million people unemployed and another 20 million listed as underemployed, it may be 2017 or 2020 when these workers are absorbed. And real estate sales depend on those who have jobs.
Real estate booms have typically run in seven to 10 year cycles with some outside trigger precipitating a crisis that popped the bubble. The current situation is unlikely to be different.
Implications for Investors
Apartment vacancy rates are expected to rise through 2010 to about 7% to 10%. The continued collapse in confidence about jobs hampers household formation as individuals may delay marriage or move back in with parents or relatives or double up with friends.
As foreclosures rise, there will likely be greater demand for replacement housing so vacancy rates may fall. And as workers try to keep their options open to accommodate moving for job opportunities, demand for rentals will likely increase as well. The caveat is that there will also likely be a range of supply options that will put pressure on rents. And as a result of continued poor economic conditions, landlords can expect that credit quality of tenants will erode.
Apartments will have to compete with an increasing supply of single-family homes. Currently, the single-family homes available for rent has ballooned to nearly 10% compared to the long-term average of 4.5%. And a change of policy by mortgage servicer Fannie Mae will allow renters living in homes or apartments where the landlords have been foreclosed on to no longer be evicted. This will likely mean that largest landlord of single-family rentals in the US will be a quasi-governmental entity.
The volume of sales in the multi-family market is way off and likely to continue. Potential buyers continue to wait for prices to stabilize. There will continue to be an upward shift in cap rates by 1% to 2% approaching the cap rates of 2002 (8.2%) which will directly contribute to downward pressure on prices in the range of another 10% to 20%.
And given the more stringent underwriting criteria like higher down payment requirements, the number of investors capable of acquiring a property will likely be limited. But there will be opportunities for those investors with the capital and credit to buy when prices stabilize.


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This report is offered solely to subscribers of Inman Intel, a knowledge and analysis arm of Inman providing deep insights and market intelligence on the enterprise of residential actual property and proptech. Subscribe at this time.
Mortgage charges are nonetheless inching up, inflicting mortgage buy purposes to say no a whopping 37 p.c from final 12 months.
The Federal Reserve continues to be struggling to get a maintain on inflation — a tougher process than anticipated as a robust jobs market and wage progress gasoline strong shopper spending.
In the meantime, homebuyers and homesellers are placing their transaction plans on maintain moderately than combating an more and more complicated market.
Redfin Chief Economist Daryl Fairweather mentioned the spring homebuying market presents a plethora of challenges, not just for brokers and shoppers however for actual property leaders whose methods for the approaching 12 months will rely upon residence gross sales exercise and different macroeconomic elements.
"It looks like we're all the time in uncharted territory currently," Fairweather instructed Inman. "So I'm attempting to be humble in making predictions."
Though it's inconceivable to precisely chart the longer term, Fairweather mentioned there are nonetheless a number of metrics leaders can lean on to assist them make good, long-term strikes. "Leaders must preserve the massive image in thoughts and never pay an excessive amount of consideration to anyone piece of reports," she added. "Taking a look at issues extra holistically, I feel, will result in higher decision-making for leaders."
Inman: Thanks for chatting with me at this time, Daryl. Let's begin with a fowl's-eye view of the market — what are you anticipating to occur this spring? What elements would be the main drivers of shopping for and promoting exercise over the upcoming months?
Fairweather: We're anticipating gross sales to be a lot softer than final 12 months. Precisely how a lot is basically going to rely upon rates of interest. Rates of interest are decrease now than they had been within the fall, however they preserve bouncing up and down, including extra volatility, which isn't actually good for the housing market. Hopefully, we'll get some higher financial information quickly and rates of interest will proceed to lower. That can imply the decline in residence gross sales gained't be as stark as we're bracing ourselves for.
I've heard a variety of forecasts for residence gross sales. What can be the best-case situation? What can be the worst-case situation?
The worst-case situation is that [full-year] residence gross sales can fall by as a lot as 20 p.c. We don't actually suppose that's very seemingly although. In a extra optimistic situation, residence gross sales will solely fall by 4 p.c. The center of that's residence gross sales are in all probability going to fall by round 9 p.c.
What I've heard is nearer to the 9 p.c vary. I'm imagining what occurs over the subsequent few months will likely be main in deciding if we expertise the most effective or worst-case situation this 12 months. What's an important market metric that may give us, particularly leaders, a clue into how 2023 may finish?
I feel an important metric to trace is inflation, after which particularly inside that, wage inflation is basically the factor the Federal Reserve is anxious about. If wages are rising, inflation goes to proceed all through the financial system — when there are increased wages, increased costs are set.
There's some optimistic information on inflation general, however as a result of extra jobs preserve getting added to the financial system it implies that wages would possibly stay elevated. However nobody actually is aware of both manner. However proper now, that's factor to observe.
As somebody who's not an economist, plainly increased wages can be a terrific factor as it could give individuals extra revenue to probably fast-track their journey into homebuying. So how would possibly the Fed strike a stability between leveling out wage inflation and inflation in a manner that also offers People a stable monetary footing?
On the whole, increased wages are normally factor — however proper now the Fed's precedence is to decelerate the financial system, so these increased wages can be an indication that its efforts haven't but been profitable and there's seemingly extra inflation to return.
So, the opposite aspect of the inflation dialog revolves round mortgages. As you mentioned earlier than, rates of interest have been bouncing up and down, which has created a risky market. With that mentioned, what are you anticipating by way of mortgages this spring? And the way will the fluctuation in mortgage charges proceed to influence actual property companies' backside traces?
When inflation goes up, mortgage charges are likely to go up as a result of banks need to issue inflation into the price of lending. So the connection is fairly shut proper now. There are different issues that may have an effect on mortgage charges, like the general international financial system. However the demand for mortgages proper now's actually the factor to observe.
What concerning the general international financial system ought to leaders give attention to? There was the conflict in Ukraine, after which latest headlines about Chinese language surveillance balloons have stoked extra conflict worries. How may these conflicts influence inflation or different financial elements right here?
It's laborious to say how the worldwide financial system would have an effect on inflation. Take the conflict in Ukraine. If the conflict in Ukraine had been to finish, that will imply overseas traders wouldn't really feel so compelled to place their cash into belongings like mortgages.
On the similar time, the conflict in Ukraine is contributing to inflation within the vitality and meals sectors [because the war] is disrupting the provision chains there. So it's sort of laborious to say which path inflation and mortgage charges will go if the conflict ends. It actually might be both path.
Relating to what's probably occurring with China, it's laborious to know the way it may influence our financial system and housing market. It looks like we're all the time in uncharted territory currently. So I'm attempting to be humble about making predictions.
I perceive. We now have been experiencing quite a lot of unprecedented occasions currently. So exterior of wage inflation and inflation, what's one other factor leaders can be good to concentrate to?
I'd take note of mortgage buy purposes. It's the earliest indicator now we have of general demand and provides us a pulse on whether or not the housing market is coming again or not.
Fortunately, mortgage buy purposes are wanting higher than they did again within the fall. Final 12 months, there was quite a lot of demand, so I wouldn't anticipate that we get near that. Nonetheless, they're doing a bit of bit higher than we anticipated within the fall once we had been anxious about what the housing market was gonna appear like this 12 months.
What elements are resulting in the rebound? Mortgage charges are nonetheless excessive in comparison with 2020 and 2021. Do you suppose homebuyers have gotten extra proof against charge fluctuations? What's serving to them push by?
[Home] costs have come down since [last] summer time, in order that balances out the influence of upper mortgage charges. I feel some persons are how a lot costs have fallen and considering that, ", [current] mortgage charge may be extra of a short lived factor, and if I've to refinance later I can."
What about sellers? There was a difficulty with potential homesellers not eager to record as a result of they locked in an incredible charge, and naturally, that's contributing to stock shortages and elevated residence costs. What's it going to take for them to make a transfer?
I feel it's going to take one thing massive of their life, like retirement or marriage or youngsters shifting out, to get them to need to transfer elsewhere. Once more, individuals have choices. They'll maintain on to their residence and hire it out, however rents are beginning to decelerate a bit in order that may be not as massive of a motivating issue anymore.
Are there every other historically ignored elements that you'd advise leaders to hone in on this spring? Additionally, what are some issues leaders can do to lift their financial IQ? Any publications or sources they may add to their every day routines?
Throughout a gradual interval or downturn, like proper now, leaders may not be ready for the second when the market turns again round. It's laborious to know precisely when that's going to occur, but it surely's essential to remain on high of all these metrics in comparison with the market share surge — persons are going to need to purchase properties as quickly because the economics work out for them.
There are some unlikely eventualities that folks ought to nonetheless take note of, like if the Fed overshoots on their hawkish rate of interest raises. Then they must reverse course and decrease rates of interest, however I feel that's unlikely.
For now, I'd counsel leaders simply learn the financial part of the New York Occasions or every other newspaper they belief. That's going to maintain you fairly properly conscious of what's occurring. However greater than that, leaders must preserve the massive image in thoughts and never pay an excessive amount of consideration to anyone piece of reports.
Taking a look at issues extra holistically, I feel, will result in higher decision-making for leaders.
E mail Marian McPherson


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Taimanin Asagi 2 - Episode 2
One year has passed since the Chaos Arena was destroyed, Asagi and Sakura were presently on an abandoned street on a man-made island that floated on top of Tokyo Bay. It was an enormous box-shaped island built by the government and referred to as "Tokyo Kingdom."
There was hope that it would become a second city center floating at sea, but it had failed to attract businesses.
The only way of getting to and from the island was through Honshu Island over the 10 kilometer Tokyo Kingdom bridge. Unfortunately, this narrow route was the means in which the inhabitants of hell found their way onto the island, luring anarchists, criminals, and even illegal immigrants there, transforming the streets of the sea bound city into a world-renowned haven for danger.
However abandoned the streets were, order did exist in such a place despite it being a breeding place of crime.
There was a business district at the heart as well as one of Asia's greatest prostitute grottoes. Whether or not it was only the strong who survived, the viability of living there required one not to be careless in making friends with the strong. «tentacle hentai rape – monster – BDSM – AHEGAO»