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The Basics
Why do I need Life Insurance?
Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die. Life insurance proceeds could mean your dependents will not have to sell assets to pay outstanding bills or taxes. An important feature of life insurance is that no income tax is payable on proceeds paid to beneficiaries. The death benefit of a life policy owned by a C corporation may be included in the calculation of the alternative minimum tax.
How much Insurance do I need?
Before buying life insurance, you should assemble personal financial information and review your family's needs. There are a number of factors to consider when determining how much protection you should have. These include:
- any immediate needs at the time of death, such as final illness expenses, burial costs and estate taxes
- funds for a readjustment period, to finance a move or to provide time for family members to find a job
- ongoing financial needs, such as monthly bills and expenses, day-care costs, college tuition or retirement.
Although there is no substitute for a careful evaluation of the amount of coverage needed to meet your needs, one rule of thumb used is, buy life insurance that is equal to five to seven times annual gross income.
If you want to be more precise, take the time and complete the Needs Analyzer
Choosing a Plan
Buying life insurance is not like any other purchase you will make. When you pay your premiums, you're buying the future financial security of your family that only life insurance can provide. Among its many uses, life insurance helps ensure that, when you die, your dependents will have the financial resources needed to protect their home and the income needed to run a household.
Choosing a life insurance product is an important decision, but it often can be complicated. As with any other major purchase, it is important that you understand your needs and the options available to you.
The main types of life insurance available are term and permanent. Term life insurance provides protection for a specified period of time. Permanent life insurance provides lifelong protection. To learn more about term and permanent life insurance click on the appropriate button at the top of this page.
Additional Points
1. What happens if I fail to make the required payments?
If you miss a premium payment, you typically have a 30- or 31-day grace period during which you can pay the premium. After that, the policy will lapse. You may be able to reinstate with evidence of insurability depending on your policy's provisions. If your policy has sufficient cash value, the company can, with your authorization, draw from a permanent policy's cash surrender value to keep that policy in force. This does not apply to term insurance because there is no cash value to draw from. In some flexible premium policies, premiums may be reduced or skipped as long as sufficient cash values remain in the policy. However, this will result in lower cash values.
2. What if I become disabled?
Provisions or riders that provide additional benefits can often be added to a policy. One such rider is a waiver of premium for disability. With this rider, if you become totally disabled for a specified period of time, you do not have to pay premiums for the duration of the disability.
3. Are other riders available?
(availability, specifics, and costs of these riders vary by carrier and state.)
- "Accidental death benefit", provides for an additional benefit in case of death as a result of an accident.
- "Accelerated benefits", also known as "living benefits." This rider allows you, under certain circumstances, to receive the proceeds of your life insurance policy before you die. Such circumstances include terminal or catastrophic illness, the need for long-term care or confinement to a nursing home.
- "Child rider", provides insurance for all your children, usually from $1,000 to $20,000 of death benefit.
4. When will the policy be in effect?
If you decide to purchase the policy, find out when the insurance becomes effective. This could be different from the date the company issues the policy.
5. How do accelerated death benefits work?
It allows policyholders to receive all or part of the policy's proceeds prior to death under certain circumstances, including the need for long-term care and confinement to a nursing home. Because payments may affect tax status and Medicare eligibility, and will be deducted from the overall benefits paid later to beneficiaries, policyholders should thoroughly investigate options in advance.
6. By using medical tests are insurers trying to eliminate any applicant likely to develop a serious health condition?
Medical tests can provide accurate and current information about an applicant's health, thus enabling insurers to charge premiums that reflect the level of risk an applicant represents. Because some health conditions are easily managed through proper medication, therapy or lifestyle changes, medical information sometimes makes it possible for insurers to cover applicants who might not otherwise be insurable. More serious or incurable conditions present an enormous risk that an insurer simply cannot assume.
7. What should I consider in naming life insurance beneficiaries?
- Always name a "contingent," or secondary, beneficiary, just in case you outlive your first beneficiary.
- Select a specific beneficiary, rather than having the proceeds of your life insurance paid to your estate. One of the great advantages of life insurance is that it can be paid to your family immediately. If it is payable to your estate, however, it will have to go through probate with the rest of your assets.
- Be very clear in wording beneficiary designations. Naming specific children may exclude those born later. If your child dies before you, do you want the proceeds to go to that child's children? Changing the beneficiary designation is easy, but you have to remember to do it.
8. Does it make sense to replace a policy?
Think twice before you do, because in many situations it may not be to your advantage. Before dropping any in-force policy, make sure your "new" policy is paid for and in effect and first consider:- If your health status has changed over the years, you may no longer be insurable at preferred or standard rates.
- Even if both policies pay "dividends," it may be years before the new policy's dividends equal those of your present one.
- If you replace one cash-value policy with another, the cash value of the new policy may be relatively small for several years and may never be as large as that of the original one. There may also be a period wherein a surrender charge is applicable on the first policy.
- You should ask for a detailed listing of cost breakdowns of both policies, including premiums, cash surrender value and death benefits. Compare these as well as the features offered by both policies.
- If you decide to surrender or reduce the value of the policy you now own and replace it with other insurance, be sure your new policy is in force before you cancel the old one.
9. As a single person, do I need insurance?
The answer almost always is yes. You may want to consider these options:
- Disability income insurance - especially important for self-supporting singles without sizable assets, this can replace a good part of the income you would lose if you were unable to work because of accident or illness. If you don't have long-term disability coverage at work, it would be wise to consider an individual policy designed to replace at least 60 percent of your income.
- Health insurance - if you don't have on-the-job coverage, an individual policy is your first line of defense against ever-escalating medical and hospital costs. You can keep premium costs down by electing a large deductible, thereby "self-insuring" as much as you can afford.
- Life insurance - even if you have no dependents now, you may later. If you buy now when you are younger and healthier, you can "lock in" lowest-cost coverage, including guaranteed insurability.
This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, or accountant.


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Found 2 results
Filters: Author is Torres, Andres [Clear All Filters]
"Detecting context sensitive hot spots in standard cell libraries", in Design for Manufacturability through Design-Process Integration III, 2009, vol. 7275, p. 727515.
, "Rapid layout pattern classification", in Design Automation Conference (ASP-DAC), 2011 16th Asia and South Pacific, 2011, pp. 781 -786.

subset: commoncrawl


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Great News!
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If you opt for installment payments, you can use the domain name from the first payment, but you will not have full ownership until the final payment is made.
Yes, when paying in full, we utilise a UK-based company to facilitate the transaction process. The method employed is known as an Escrow service, which involves a neutral third party holding the payment.
This approach safeguards both parties involved in the transaction. It ensures that the domain name is transferred to the buyer only after payment has been made, and that the seller receives payment only after transferring ownership of the domain name.
Escrow payments for domain names are commonly used in scenarios where the buyer and seller may not be well-acquainted or when the transaction concerns a high-value domain name.
While there is a nominal fee associated with the Escrow service, we absorb this cost. The UK-based company we engage for this service is https://www.transpact.com
If you are planning a new website for your new domain then it is extremely straightforward.
If you are planning to use your new premium domain on your existing website, it requires a few changes. It is a relatively easy process but every scenario is different and a lot depends on your level of knowledge.
If in doubt, we would always recommend using a web design agency if you are unsure.
When you own a domain name, you have the ability to create custom email addresses using that domain name, such as email@example.com or email@example.com
These are created once the domain is hosted with your domain registrar and or hosting company. They charge a fee for hosting email accounts and websites. There are many companies to choose from, for these types of services.
This gives your business a more professional image compared to using a generic email address such as Hotmail. However, some web hosting companies may impose limits on the number of email accounts you can create per domain and may charge additional fees for extra accounts.
It is important to research and choose a hosting company that offers adequate email services for your needs.
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Coal state Dems diverge on Obama policies
| ST. CLAIRSVILLE, Ohio
Friends of coal are certain they know the enemy.
They fault President Barack Obama and his Environmental Protection Agency for new clean air rules they deride as a devastating blow to a multibillion-dollar industry that has been the lifeblood of Appalachia for generations. The agency standards imposed earlier this year tightened limits on existing coal powered-plant emissions while guidelines on restricting greenhouse gases could affect new plants as early as 2013.
Along the rolling hills of this tiny Ohio town — population just over 5,100 — campaign signs for judges, state legislators and county officials crowd the neat lawns. As the road curves toward the interstate, one banner overshadows them all: "End the war on coal. Fire Obama."
Barb Swan, who runs Swan's Sport Shop on West Main Street, is a registered Democrat and daughter of a coal miner. She won't be voting for Obama and she won't back Democratic Sen. Sherrod Brown, whom she contends puts the president's energy policies over the interests of his constituents.
"If you have a district that's coal, you fight for coal," argued the 67-year-old Swan.
Obama's moves on clean air and fossil fuels have complicated the lives of Democrats in coal-rich states that count on mining for jobs and economic growth, with incumbents and candidates adopting drastically different strategies to ensure their own political survival.
In West Virginia, where the president is wildly unpopular, Sen. Joe Manchin boasts about his unyielding opposition to the EPA and his confrontations with the administration. In his latest campaign ad, Manchin — rifle in hand — alludes to a previous commercial in which he shoots Obama's bill to cap greenhouse gases from coal-burning power plants. The senator says the state has enough coal and natural gas to provide energy and jobs for decades, and "I'll take on anyone who tries to stop us."
In Republican-leaning Indiana, Democratic Senate candidate Joe Donnelly ignored Obama's objections and embraced a House GOP bill to undo the EPA rules. In swing state Ohio, Brown espouses an all-of-the-above energy policy similar to Obama's and dismisses claims of a "war on coal" as Republican talking points.
The White House, for its part, insists that the criticism of its record on coal is unfounded.
"The president has made clear that coal has an important role to play in our energy economy today and it will in the future, which is why this administration has worked to make sure that moving forward we can continue to rely on a broad range of domestic energy sources from oil and gas, to wind and solar, to nuclear, as well as clean coal," said Clark Stevens, a White House spokesman.
The administration points to a 31 percent increase in coal exports and greater flexibility in enforcing the new standards. The economic prospects for coal, Stevens said, "reflect the independent, financial decisions that utilities are making in response to the increase in cheap, abundant natural gas."
Coal's woes do extend far beyond the new EPA rules.
Natural gas is plentiful, less expensive and more environmentally friendly. A rush is on in the same Appalachian towns where coal has been king to claim natural gas mineral rights in the region's Marcellus and Utica shale reserves. Out-of-town lawyers have descended upon the courthouse in the Belmont County seat to pour over decades-old deeds and titles, some dating to the late 1800s, as they figure out which families should get checks.
"The hallways are filled," said Kent Moore, the former Republican Party chairman in Belmont. "They're moving from one county to another."
In 2011, U.S. production of natural gas surpassed coal production for the first time in 20 years, according to the government's Energy Information Administration.
China's economic slowdown and the diminishing demand for the top-grade coal to make steel has affected coal in the eastern United States. Other countries, such as Brazil, are moving ahead with their production.
"It's a perfect storm of bad things that can happen," said Carol L. Raulston, a spokeswoman for the National Mining Association.
But listen to an Obama campaign ad on country radio in eastern Ohio, and coal and natural gas are doing just fine. The spot says coal production is up 7 percent and coal jobs have increased 10 percent during Obama's tenure. Natural gas production is at an all-time high.
His campaign contends that Obama would be better for coal than rival Mitt Romney, and the commercial highlights the Republican saying in 2003 that he wouldn't back a coal-fired plant "that kills people."
Romney accuses Obama of imposing regulations that would "bankrupt" the coal industry. He promises that the United States will become energy independent by 2020 through more aggressive exploitation of domestic oil, gas, coal and other natural resources. The Republican also vows to pursue measured reforms of environmental laws and regulations without impeding jobs or industries.
Anti-Obama commercials on the radio in Ohio use the president's 2008 remark that if someone wants to build a coal-powered plant, they can go ahead, but "it's just that it will bankrupt them." The tagline says "let's cap Obama and trade him for Mitt Romney."
The United Mine Workers of America, which endorsed Franklin D. Roosevelt in 1936, John F. Kennedy in 1960 and Obama in 2008, has declined to back a presidential candidate this year, saying it doesn't see either Obama or Romney offering the best opportunities for its members.
For Manchin, support for coal is personal, business and political commonsense.
In the early morning of Nov. 20, 1968, an explosion at the Mountaineer Coal Co. mine in Farmington, W.Va., killed 78 miners. Among the dead were Manchin's uncle, John Gouzd, and high school friends.
In the years since, Manchin owes some of his wealth to Enersystems Inc., a coal brokerage firm he once helped operate. Manchin's financial disclosure forms in 2009 and 2010 showed operating income of more than $1.7 million.
West Virginia is the second-largest coal producing state behind Wyoming and its mines and plants add up to more than 21,000 underground and surface jobs, according to the Energy Department. Coal mined in Appalachia generates electricity, is shipped overseas and is used in metal production.
Manchin has repeatedly challenged the Obama administration over coal. In 2010, as West Virginia governor, he sued the EPA over its crackdown on mountaintop mining.
"Enough is enough," Manchin said this past June. "The people of West Virginia are tired of the EPA's overreach, and I will do everything in my power to rein in the EPA — and any agency that oversteps its authority."
The Democrat has consistently voted with Republicans for legislation to roll back EPA rules.
Yet, in the one and only Senate campaign debate earlier this month, Manchin repeatedly had to defend himself against criticism from Republican rival and businessman John Raese, who tied the Democrat to Obama.
"Who controls the environmental rules, that's the executive branch and that's handled by his quarterback, Barack Obama," said Raese, delivering his rhetorical stabs with the smooth voice of a late-night deejay on one of his radio stations. "Joe's heart ... is in the right place. I'm not saying it's not. I'm just saying the team that he's on has no interest at all in helping West Virginia. The only interest they have is getting us out of the fossil fuel business."
Manchin insisted he would fight for coal, no matter what.
"The government should be your partner. It shouldn't be your adversary," he said on the debate stage at Shepherd University in Shepherdstown, W.Va. "It should be your ally and that's what we don't have in Washington and that's what I've been working for. And I'll work with whoever the president. I worked when President Bush was there. I worked with President Obama. I will work with the next president."
West Virginia voters are expected to give Manchin a full six-year term in November. Obama lost the state in 2008 by 13 percentage points and in this year's Democratic primary in May, a convicted felon in Texas got 40 percent of the vote to the president's 60 percent, a fresh reminder of Obama's unpopularity in the state. Romney is expected to handily win West Virginia's five electoral votes next month.
In Ohio, coal is responsible for some 3,000 underground and surface jobs, and generates more than 87 percent of the state's electricity. Ohio is seventh in the nation in coal reserves with 23.7 billion short tons and Belmont County is the leading coal producer in the state, churning out 760 million tons since 1816, according to the Ohio Coal Association.
Power plants that burn coal produce more than 90 times as much sulfur dioxide, five times as much nitrogen oxide and twice as much carbon dioxide as those that run on natural gas, according to the Government Accountability Office, the regulatory arm of Congress. Sulfur dioxide causes acid rain; nitrogen oxides cause smog; and carbon dioxide is a so-called greenhouse gas that traps heat in the atmosphere.
The EPA tightened limits on power-plant emissions of sulfur dioxide and nitrogen dioxide, and placed new limits on mercury, a poison found in coal. That step will force some of the dirtiest and oldest coal plants to close.
Even more disconcerting for the industry is the EPA guidelines that could limit greenhouse gas emissions from new power plants as early as next year.
In Ohio, Brown faces a challenge from Republican Josh Mandel, who at a recent campaign stop eagerly compared the Ohio Democrat's record on coal and energy to Manchin's. He linked Brown to the president.
"Obama is the general in the war on coal and Sherrod Brown is his lieutenant," Mandel said.
Brown defended his record in a brief interview.
"My record on energy is broad," he said. "I think as the president said, 'You look everywhere.' You start by taking away the tax breaks for the oil industry. You hear these Republicans say the president is picking winners and losers on energy and they insist on subsidizing oil, and there's no rhyme or reason to subsidize oil."
Brown wears a canary in a cage lapel pin, which he says "symbolizes to me the role of government in peoples' lives to make things better whether it's mine safety or Medicare or Social Security."
But Mike Carey, chairman of the Ohio Coal Association, doesn't see Brown as a friend of coal.
"You can have very safe miners, but if they can't mine coal, maybe they're going to be selling canaries because they're not going to be mining coal," Carey said.


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A certain father had two sons, the elder of who was smart and sensible, and could do everything, but the younger was stupid and could neither learn nor understand anything, and when people saw him they said: 'There's a fellow who will give his father some trouble!' When anything had to be done, it was always the elder who was forced to do it; but if his father bade him fetch anything when it was late, or in the night-time, and the way led through the churchyard, or any other dismal place, he answered: 'Oh, no father, I'll not go there, it makes me shudder!' for he was afraid. Or when stories were told by the fire at night which made the flesh creep, the listeners sometimes said: 'Oh, it makes us shudder!' The younger sat in a corner and listened with the rest of them, and could not imagine what they could mean. 'They are always saying: "It makes me shudder, it makes me shudder!" It does not make me shudder,' thought he. 'That, too, must be an art of which I understand nothing!'
Now it came to pass that his father said to him one day: 'Hearken to me, you fellow in the corner there, you are growing tall and strong, and you too must learn something by which you can earn your bread. Look how your brother works, but you do not even earn your salt.' 'Well, father,' he replied, 'I am quite willing to learn something-- indeed, if it could but be managed, I should like to learn how to shudder. I don't understand that at all yet.' The elder brother smiled when he heard that, and thought to himself: 'Goodness, what a blockhead that brother of mine is! He will never be good for anything as long as he lives! He who wants to be a sickle must bend himself betimes.'
The father sighed, and answered him: 'You shall soon learn what it is to shudder, but you will not earn your bread by that.'
Soon after this the sexton came to the house on a visit, and the father bewailed his trouble, and told him how his younger son was so backward in every respect that he knew nothing and learnt nothing. 'Just think,' said he, 'when I asked him how he was going to earn his bread, he actually wanted to learn to shudder.' 'If that be all,' replied the sexton, 'he can learn that with me. Send him to me, and I will soon polish him.' The father was glad to do it, for he thought: 'It will train the boy a little.' The sexton therefore took him into his house, and he had to ring the church bell. After a day or two, the sexton awoke him at midnight, and bade him arise and go up into the church tower and ring the bell. 'You shall soon learn what shuddering is,' thought he, and secretly went there before him; and when the boy was at the top of the tower and turned round, and was just going to take hold of the bell rope, he saw a white figure standing on the stairs opposite the sounding hole. 'Who is there?' cried he, but the figure made no reply, and did not move or stir. 'Give an answer,' cried the boy, 'or take yourself off, you have no business here at night.'
The sexton, however, remained standing motionless that the boy might think he was a ghost. The boy cried a second time: 'What do you want here?--speak if you are an honest fellow, or I will throw you down the steps!' The sexton thought: 'He can't mean to be as bad as his words,' uttered no sound and stood as if he were made of stone. Then the boy called to him for the third time, and as that was also to no purpose, he ran against him and pushed the ghost down the stairs, so that it fell down the ten steps and remained lying there in a corner. Thereupon he rang the bell, went home, and without saying a word went to bed, and fell asleep. The sexton's wife waited a long time for her husband, but he did not come back. At length she became uneasy, and wakened the boy, and asked: 'Do you know where my husband is? He climbed up the tower before you did.' 'No, I don't know,' replied the boy, 'but someone was standing by the sounding hole on the other side of the steps, and as he would neither gave an answer nor go away, I took him for a scoundrel, and threw him downstairs. Just go there and you will see if it was he. I should be sorry if it were.' The woman ran away and found her husband, who was lying moaning in the corner, and had broken his leg.
She carried him down, and then with loud screams she hastened to the boy's father, 'Your boy,' cried she, 'has been the cause of a great misfortune! He has thrown my husband down the steps so that he broke his leg. Take the good-for-nothing fellow out of our house.' The father was terrified, and ran thither and scolded the boy. 'What wicked tricks are these?' said he. 'The devil must have put them into your head.' 'Father,' he replied, 'do listen to me. I am quite innocent. He was standing there by night like one intent on doing evil. I did not know who it was, and I entreated him three times either to speak or to go away.' 'Ah,' said the father, 'I have nothing but unhappiness with you. Go out of my sight. I will see you no more.'
'Yes, father, right willingly, wait only until it is day. Then will I go forth and learn how to shudder, and then I shall, at any rate, understand one art which will support me.' 'Learn what you will,' spoke the father, 'it is all the same to me. Here are fifty talers for you. Take these and go into the wide world, and tell no one from whence you come, and who is your father, for I have reason to be ashamed of you.' 'Yes, father, it shall be as you will. If you desire nothing more than that, I can easily keep it in mind.'
When the day dawned, therefore, the boy put his fifty talers into his pocket, and went forth on the great highway, and continually said to himself: 'If I could but shudder! If I could but shudder!' Then a man approached who heard this conversation which the youth was holding with himself, and when they had walked a little farther to where they could see the gallows, the man said to him: 'Look, there is the tree where seven men have married the ropemaker's daughter, and are now learning how to fly. Sit down beneath it, and wait till night comes, and you will soon learn how to shudder.' 'If that is all that is wanted,' answered the youth, 'it is easily done; but if I learn how to shudder as fast as that, you shall have my fifty talers. Just come back to me early in the morning.' Then the youth went to the gallows, sat down beneath it, and waited till evening came. And as he was cold, he lighted himself a fire, but at midnight the wind blew so sharply that in spite of his fire, he could not get warm. And as the wind knocked the hanged men against each other, and they moved backwards and forwards, he thought to himself: 'If you shiver below by the fire, how those up above must freeze and suffer!' And as he felt pity for them, he raised the ladder, and climbed up, unbound one of them after the other, and brought down all seven. Then he stoked the fire, blew it, and set them all round it to warm themselves. But they sat there and did not stir, and the fire caught their clothes. So he said: 'Take care, or I will hang you up again.' The dead men, however, did not hear, but were quite silent, and let their rags go on burning. At this he grew angry, and said: 'If you will not take care, I cannot help you, I will not be burnt with you,' and he hung them up again each in his turn. Then he sat down by his fire and fell asleep, and the next morning the man came to him and wanted to have the fifty talers, and said: 'Well do you know how to shudder?' 'No,' answered he, 'how should I know? Those fellows up there did not open their mouths, and were so stupid that they let the few old rags which they had on their bodies get burnt.' Then the man saw that he would not get the fifty talers that day, and went away saying: 'Such a youth has never come my way before.'
The youth likewise went his way, and once more began to mutter to himself: 'Ah, if I could but shudder! Ah, if I could but shudder!' A waggoner who was striding behind him heard this and asked: 'Who are you?' 'I don't know,' answered the youth. Then the waggoner asked: 'From whence do you come?' 'I know not.' 'Who is your father?' 'That I may not tell you.' 'What is it that you are always muttering between your teeth?' 'Ah,' replied the youth, 'I do so wish I could shudder, but no one can teach me how.' 'Enough of your foolish chatter,' said the waggoner. 'Come, go with me, I will see about a place for you.' The youth went with the waggoner, and in the evening they arrived at an inn where they wished to pass the night. Then at the entrance of the parlour the youth again said quite loudly: 'If I could but shudder! If I could but shudder!' The host who heard this, laughed and said: 'If that is your desire, there ought to be a good opportunity for you here.' 'Ah, be silent,' said the hostess, 'so many prying persons have already lost their lives, it would be a pity and a shame if such beautiful eyes as these should never see the daylight again.'
But the youth said: 'However difficult it may be, I will learn it. For this purpose indeed have I journeyed forth.' He let the host have no rest, until the latter told him, that not far from thence stood a haunted castle where anyone could very easily learn what shuddering was, if he would but watch in it for three nights. The king had promised that he who would venture should have his daughter to wife, and she was the most beautiful maiden the sun shone on. Likewise in the castle lay great treasures, which were guarded by evil spirits, and these treasures would then be freed, and would make a poor man rich enough. Already many men had gone into the castle, but as yet none had come out again. Then the youth went next morning to the king, and said: 'If it be allowed, I will willingly watch three nights in the haunted castle.'
The king looked at him, and as the youth pleased him, he said: 'You may ask for three things to take into the castle with you, but they must be things without life.' Then he answered: 'Then I ask for a fire, a turning lathe, and a cutting-board with the knife.'
The king had these things carried into the castle for him during the day. When night was drawing near, the youth went up and made himself a bright fire in one of the rooms, placed the cutting-board and knife beside it, and seated himself by the turning-lathe. 'Ah, if I could but shudder!' said he, 'but I shall not learn it here either.' Towards midnight he was about to poke his fire, and as he was blowing it, something cried suddenly from one corner: 'Au, miau! how cold we are!' 'You fools!' cried he, 'what are you crying about? If you are cold, come and take a seat by the fire and warm yourselves.' And when he had said that, two great black cats came with one tremendous leap and sat down on each side of him, and looked savagely at him with their fiery eyes. After a short time, when they had warmed themselves, they said: 'Comrade, shall we have a game of cards?' 'Why not?' he replied, 'but just show me your paws.' Then they stretched out their claws. 'Oh,' said he, 'what long nails you have! Wait, I must first cut them for you.' Thereupon he seized them by the throats, put them on the cutting-board and screwed their feet fast. 'I have looked at your fingers,' said he, 'and my fancy for card-playing has gone,' and he struck them dead and threw them out into the water. But when he had made away with these two, and was about to sit down again by his fire, out from every hole and corner came black cats and black dogs with red-hot chains, and more and more of them came until he could no longer move, and they yelled horribly, and got on his fire, pulled it to pieces, and tried to put it out. He watched them for a while quietly, but at last when they were going too far, he seized his cutting-knife, and cried: 'Away with you, vermin,' and began to cut them down. Some of them ran away, the others he killed, and threw out into the fish-pond. When he came back he fanned the embers of his fire again and warmed himself. And as he thus sat, his eyes would keep open no longer, and he felt a desire to sleep. Then he looked round and saw a great bed in the corner. 'That is the very thing for me,' said he, and got into it. When he was just going to shut his eyes, however, the bed began to move of its own accord, and went over the whole of the castle. 'That's right,' said he, 'but go faster.' Then the bed rolled on as if six horses were harnessed to it, up and down, over thresholds and stairs, but suddenly hop, hop, it turned over upside down, and lay on him like a mountain. But he threw quilts and pillows up in the air, got out and said: 'Now anyone who likes, may drive,' and lay down by his fire, and slept till it was day. In the morning the king came, and when he saw him lying there on the ground, he thought the evil spirits had killed him and he was dead. Then said he: 'After all it is a pity,--for so handsome a man.' The youth heard it, got up, and said: 'It has not come to that yet.' Then the king was astonished, but very glad, and asked how he had fared. 'Very well indeed,' answered he; 'one night is past, the two others will pass likewise.' Then he went to the innkeeper, who opened his eyes very wide, and said: 'I never expected to see you alive again! Have you learnt how to shudder yet?' 'No,' said he, 'it is all in vain. If someone would but tell me!'
The second night he again went up into the old castle, sat down by the fire, and once more began his old song: 'If I could but shudder!' When midnight came, an uproar and noise of tumbling about was heard; at first it was low, but it grew louder and louder. Then it was quiet for a while, and at length with a loud scream, half a man came down the chimney and fell before him. 'Hullo!' cried he, 'another half belongs to this. This is not enough!' Then the uproar began again, there was a roaring and howling, and the other half fell down likewise. 'Wait,' said he, 'I will just stoke up the fire a little for you.' When he had done that and looked round again, the two pieces were joined together, and a hideous man was sitting in his place. 'That is no part of our bargain,' said the youth, 'the bench is mine.' The man wanted to push him away; the youth, however, would not allow that, but thrust him off with all his strength, and seated himself again in his own place. Then still more men fell down, one after the other; they brought nine dead men's legs and two skulls, and set them up and played at nine-pins with them. The youth also wanted to play and said: 'Listen you, can I join you?' 'Yes, if you have any money.' 'Money enough,' replied he, 'but your balls are not quite round.' Then he took the skulls and put them in the lathe and turned them till they were round. 'There, now they will roll better!' said he. 'Hurrah! now we'll have fun!' He played with them and lost some of his money, but when it struck twelve, everything vanished from his sight. He lay down and quietly fell asleep. Next morning the king came to inquire after him. 'How has it fared with you this time?' asked he. 'I have been playing at nine- pins,' he answered, 'and have lost a couple of farthings.' 'Have you not shuddered then?' 'What?' said he, 'I have had a wonderful time! If I did but know what it was to shudder!'
The third night he sat down again on his bench and said quite sadly: 'If I could but shudder.' When it grew late, six tall men came in and brought a coffin. Then he said: 'Ha, ha, that is certainly my little cousin, who died only a few days ago,' and he beckoned with his finger, and cried: 'Come, little cousin, come.' They placed the coffin on the ground, but he went to it and took the lid off, and a dead man lay therein. He felt his face, but it was cold as ice. 'Wait,' said he, 'I will warm you a little,' and went to the fire and warmed his hand and laid it on the dead man's face, but he remained cold. Then he took him out, and sat down by the fire and laid him on his breast and rubbed his arms that the blood might circulate again. As this also did no good, he thought to himself: 'When two people lie in bed together, they warm each other,' and carried him to the bed, covered him over and lay down by him. After a short time the dead man became warm too, and began to move. Then said the youth, 'See, little cousin, have I not warmed you?' The dead man, however, got up and cried: 'Now will I strangle you.'
'What!' said he, 'is that the way you thank me? You shall at once go into your coffin again,' and he took him up, threw him into it, and shut the lid. Then came the six men and carried him away again. 'I cannot manage to shudder,' said he. 'I shall never learn it here as long as I live.'
Then a man entered who was taller than all others, and looked terrible. He was old, however, and had a long white beard. 'You wretch,' cried he, 'you shall soon learn what it is to shudder, for you shall die.' 'Not so fast,' replied the youth. 'If I am to die, I shall have to have a say in it.' 'I will soon seize you,' said the fiend. 'Softly, softly, do not talk so big. I am as strong as you are, and perhaps even stronger.' 'We shall see,' said the old man. 'If you are stronger, I will let you go--come, we will try.' Then he led him by dark passages to a smith's forge, took an axe, and with one blow struck an anvil into the ground. 'I can do better than that,' said the youth, and went to the other anvil. The old man placed himself near and wanted to look on, and his white beard hung down. Then the youth seized the axe, split the anvil with one blow, and in it caught the old man's beard. 'Now I have you,' said the youth. 'Now it is your turn to die.' Then he seized an iron bar and beat the old man till he moaned and entreated him to stop, when he would give him great riches. The youth drew out the axe and let him go. The old man led him back into the castle, and in a cellar showed him three chests full of gold. 'Of these,' said he, 'one part is for the poor, the other for the king, the third yours.' In the meantime it struck twelve, and the spirit disappeared, so that the youth stood in darkness. 'I shall still be able to find my way out,' said he, and felt about, found the way into the room, and slept there by his fire. Next morning the king came and said: 'Now you must have learnt what shuddering is?' 'No,' he answered; 'what can it be? My dead cousin was here, and a bearded man came and showed me a great deal of money down below, but no one told me what it was to shudder.' 'Then,' said the king, 'you have saved the castle, and shall marry my daughter.' 'That is all very well,' said he, 'but still I do not know what it is to shudder!'
Then the gold was brought up and the wedding celebrated; but howsoever much the young king loved his wife, and however happy he was, he still said always: 'If I could but shudder--if I could but shudder.' And this at last angered her. Her waiting-maid said: 'I will find a cure for him; he shall soon learn what it is to shudder.' She went out to the stream which flowed through the garden, and had a whole bucketful of gudgeons brought to her. At night when the young king was sleeping, his wife was to draw the clothes off him and empty the bucket full of cold water with the gudgeons in it over him, so that the little fishes would sprawl about him. Then he woke up and cried: 'Oh, what makes me shudder so?-- what makes me shudder so, dear wife? Ah! now I know what it is to shudder!'


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Zone Denmark Singles Spatula, Beech
- Product Info
- Specifications
- Delivery & Returns
- Reviews
The Zone Denmark Singles Spatula perfectly combines functionality and style, crafted from a stunning beech wood it is sure to be a beautiful addition to any kitchen. Boasting a simple, almost geometric exterior, designed to offer you a comfortable grip to offer you added ease of use.
Sustainably sourced labelled beech
L 28 x W 4.8 cm
UK Delivery Service | Cost |
Standard UK Delivery (2-5 days) |
£4.95 or Free for orders over £75 |
Express Delivery |
£7.95 |
Standard Delivery
We offer Standard Delivery across the UK via Royal Mail. Standard Delivery is FREE for orders with a goods value of over £75. For orders with a goods value of less than £75 we charge a flat fee of £4.95.
Standard Delivery means that our aim is that for all orders received before 2pm Monday to Friday (excluding Bank Holidays) we will despatch on the same day with your order delivered within the next 2 to 5 working days. (Subject to external factors such as severe weather).
Express Delivery
We offer Express Delivery within mainland UK via DPD. Delivery is £7.95 and orders must be received before 2pm.
For more information please see our Delivery Information page here
Lead Time Delivery
Lead Time Delivery applies to items that are available for sale, but are not held in our warehouse and cannot be immediately despatched.
An estimated delivery lead-time is quoted on the product page, and will also be confirmed by email shortly after an order is placed.
In most instances, lead-time items will be delivered by Royal Mail. In the instance of larger / furniture items, the delivery may be carried out by a White-Glove Courier.
Lead Time Delivery is free for orders with a goods value of over £75. For orders with a goods value of less than £75 we charge a flat fee of £4.95.
International Delivery
Due to the rapidly changing situation around COVID-19 and the borders to Europe, we have temporarily paused shipping to Europe & Republic of Ireland.
View our International Delivery options here
For information on Returns please see here


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Includes both turn signal covers.
Compatibility: Apollo City 2023 regular & Apollo City 2023 Pro.
If you need help with installation please refer to our Servicing & Support Center.
Note: Accessories may be shipped separately from Scooter purchases despite being purchased together.
In-Stock Items
In-stock products are fulfilled within 24 business hours of receiving the order. Delivery times range from 2 to 6 days depending on your location.
Refer to estimated delivery time found under the 'Add to cart' button. You can cancel a pre-order anytime before our fulfillment center initiates processing, and receive a full refund. Consult our full cancellation policy here.
Open Box
Open Box products from our Second Spin collection are fulfilled within 48 business hours and delivered within 3-7 days depending on the location.
Apollo Ship+
For added peace of mind, you can now purchase Apollo Ship+ for your Apollo Scooter order during shipping. Apollo Ship+ Service offers enhanced support for any delivery-related issues, including expediting the process for lost, stolen, and damaged items.
More information about Apollo Ship+ is found here.
More info regarding everything related to shipping is found here.
For scooters, if the scooter remains unused (brand new) and is within the 14 days of the date of delivery, our team will gladly help with this return or exchange process.
For eligible items, you can submit a request through our online self-serve portal:
US Return Portal
Canada Return Portal
By submitting a request via the online self-serve portal, you will be able to purchase a shipping label for the return.
Check out this Step by Step guide for how to initiate a Return or Exchange using our self-serve portal.
You can view the entire Return, Exchange & Cancellation policy here.


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AIM Auto Insurance Service
(714) 522-4246(714) 522-4246
About Our Insurance Agents
We are an authorized, independent Mercury Insurance Agency offering low rates and dedicated service for car insurance in SANTA FE SPRINGS, California. We want to make sure you get every discount possible and can help walk you through any questions you may have on California Insurance.
Our Products
Car Insurance
Home Insurance
Condo Insurance
Renters Insurance
Business Insurance
Business Auto Insurance
California driving - what you need to know.
Sitting in traffic on the I-5 is no fun. But getting into a car accident without insurance in California is even worse. The Golden State doesn't hold back when it comes to fining you if you don't meet its mandatory insurance laws. And you may have to cover the accident costs all by yourself if you're uninsured. Thankfully, you've come to the right place to protect yourself with California car insurance.
With Mercury, your car insurance rates won't be nearly as high as NorCal's redwoods. Whether you're from San Diego, Los Angeles, San Francisco or any city in between, Mercury offers consistently low rates, a range of discounts and personalized local coverage to meet your needs and fulfill California's mandatory auto insurance laws.
See for yourself by calling (714) 522-4246 today, or get a free quote online in minutes!


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Some dental procedures, such as tooth extractions and oral surgery, may call for our office to prescribe medications before or after a procedure. These medications are used to prevent or fight an infection, or to relieve any post-operative discomfort and pain.
For these reasons, it is extremely important that you share your entire medical history - including any medications you are currently taking - with our office. Some medications used in dentistry, and other medical practices, could interact with those medications in a detrimental way. In addition, if you have any allergic reactions to certain medications, it is important for our office to know beforehand.
Finally, if you are prescribed any medication by our office, follow the dosage instructions very carefully, and if instructed, finish your entire prescription even if you are no longer feeling pain.


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This notice provides the Department of State's (the Department) privacy policy regarding the nature, purpose, use, and sharing of any Personally Identifiable Information (PII) collected via this website. Our privacy policy explains our information practices when you provide PII to us, whether collected online or offline, or when you visit us online to browse, obtain information, or conduct a transaction. PII may include: your name, email, mailing and/or home address, phone numbers, or other information that identifies you personally. We do not require you to register or provide personal information to visit our website.
The PII you provide on a Department website will be used only for its intended purpose. We will protect your information consistent with the principles of the Privacy Act of 1974, the E-Government Act of 2002, and the Federal Records Act.
Personally Identifiable Information
As a general rule, the Department does not collect PII about you when you visit our website, unless you choose to provide such information to us. Submitting PII through our website is voluntary. By doing so, you are giving the Department your permission to use the information for the stated purpose. However, not providing certain information may result in the Department's inability to provide you with the service you desire.
If you choose to provide us with PII on a Department website, through such methods as completing a web form or sending us an email, we will use that information to help us provide you the information or service you have requested or to respond to your message. The information we may receive from you varies based on what you do when visiting our site.
Generally, the information requested by the Department will be used to respond to your inquiry or to provide you with the service you request. When this information is requested, the reasons for collecting it, a description of the Department's intended use of the information, how to grant consent to use mandatorily provided information, and how to grant consent for other than statutorily mandated uses will be fully described in a separate customized "Privacy Notice." This customized Privacy Notice will either appear on the web page collecting the information or be accessible through a hyperlink (link) prominently displayed immediately above or below the information request.
Many of our programs and websites allow you to send us an email. We will use the information you provide to respond to your inquiry. We will only send you general information via email. You should be reminded that email may not necessarily be secure against interception. Therefore, we suggest that you do not send sensitive personal data (such as your Social Security number) to us via email. If your intended email communication is very sensitive, or includes information such as your bank account, credit card, or Social Security number, you should instead send it by U.S. mail. Another alternative may be submission of data through a secure web page, if available.
Electronic mail messages that meet the definition of records in the Federal Records Act (44 U.S.C. 3101 et seq.) are covered under the same disposition schedule as all other Federal records. This means that emails you send us will be preserved and maintained for varying periods of time if those emails meet the definition of Federal records. Electronic messages that are not records are deleted when no longer needed.
Categories of information the Department collects on its websites are further described below.
Automatically Collected Information
We collect and temporarily store certain information about your visit for use in site management and security purposes only. We collect and analyze this information because it helps us to better design our website to suit your needs. We may also automatically collect information about the web content you view in the event of a known security or virus threat. This information includes:
1. The Internet domain from which you access our website (for example, "xcompany.com" if you use a private Internet access account, or "yourschool.edu" if you connect from an educational domain);
2. The Internet Protocol (IP) address (a unique number for each computer connected to the Internet) from which you access our website;
3. The type of browser (e.g., Firefox, Internet Explorer, Chrome) used to access our site;
4. The operating system (e.g., Windows, Mac OS, Unix) used to access our site;
5. The date and time you access our site;
6. The Universal Resource Locators (URLs), or addresses, of the pages you visit;
7. Your username, if it was used to log in to the website; and
8. If you visited this website from another website, the URL of the forwarding site.
We may share the above information with our employees or representatives with a "need-to-know" in the performance of their official duties, other Federal agencies, or other named representatives as needed to quickly process your request or transaction. This information is only used to help us make our site more useful for you. Raw data logs are retained temporarily as required for security and site management purposes only. More information about how we share information can be found in our Privacy Act Systems of Records Notices.
Third-Party Websites and Applications
The Department uses social media websites and other kinds of third-party websites. The Department uses social media websites to interact with foreign constituencies and engage in public diplomacy worldwide. Social media websites are used to publicize embassy and Department events, and engage with members of the public in foreign countries. The Department also uses web measurement and customization technologies to measure the number of visitors to our websites and their various sections and to help make our websites more useful to visitors. In such cases, the third-party application may request an email address, username, password, and geographic location (e.g., State, region, or ZIP code) for account registration purposes. The Department of State does not use third-party websites to solicit and collect PII from individuals. Any PII passively collected (i.e., not solicited) by the third-party website will not be transmitted or stored by the Department; no PII will be disclosed, sold or transferred to any other entity outside the Department, unless required for law enforcement purposes or by statute.
The Department uses various types of online surveys to collect opinions and feedback from a random sample of visitors. Primarily, state.gov uses the ForeSee Results' American Customer Satisfaction Index (ACSI) online survey on an ongoing basis to obtain feedback and data on visitors' satisfaction with the state.gov website. This survey does not collect PII. Although the survey invitation pops up for a random sample of visitors, it is optional. If you decline the survey, you will still have access to the identical information and resources at the state.gov site as those who do take the survey. The survey reports are available only to state.gov managers and other designated staff who require this information to perform their duties. The Department may use other limited-time surveys for specific purposes, which are explained at the time they are posted.
The Department retains the data from the ACSI survey results as long as needed to support the mission of the state.gov website.
Information Collected for Tracking and Customization (Cookies)
A cookie is a small file that a website transfers to your computer to allow it to remember specific information about your session while you are connected. Your computer will only share the information in the cookie with the website that provided it, and no other website can request it. There are two types of cookies:
- Session: Session cookies last only as long as your web browser is open. Once you close your browser, the cookie is deleted. Websites may use session cookies for technical purposes such as to enable better navigation through the site, or to allow you to customize your preferences for interacting with the site.
- Persistent: Persistent cookies are saved on a user's hard drive in order to determine which users are new to the site or are returning, and for repeat visitors, to block recurring invitations to take the ForeSee satisfaction survey.
If you do not wish to have session or persistent cookies stored on your machine, you can turn cookies off in your browser. You will still have access to all information and resources at Department websites. However, turning off cookies may affect the functioning of some Department websites. Be aware that disabling cookies in your browser will affect cookie usage at all other websites you visit as well.
The Department takes the security of all PII very seriously. We take precautions to maintain the security, confidentiality, and integrity of the information we collect at this site. Such measures include access controls designed to limit access to the information to the extent necessary to accomplish our mission. We also employ various security technologies to protect the information stored on our systems. We routinely test our security measures to ensure that they remain operational and effective.
We take the following steps to secure the information we collect:
- Employ internal access controls to ensure that only personnel who have access to your information are those with a need to do so to perform their official duties.
- Train appropriate personnel on our privacy and security policies and compliance requirements.
- Secure the areas where we retain paper copies of the information we collect online.
- Perform regular backups of the information we collect online to ensure against loss.
- Use technical controls to secure the information we collect online including, but not limited to:
- Secure Socket Layer (SSL)
- Encryption
- Firewalls
- Password protections
- Periodically test our security procedures to ensure personnel and technical compliance.
- Employ external access safeguards to identify and prevent unauthorized access by outsiders that attempt to "hack" into, or cause harm to, the information contained in our systems.
We hold our contractors and other third-party providers to the same high standards that we use to ensure the security, confidentiality, and integrity of personal information they may have access to in the course of their work completed on behalf of the Department.
Interaction With Children Online
The Department is committed to the protection of children's online privacy. The Children's Online Privacy Protection Act (COPPA) governs information gathered online from or about children under the age of 13. Verifiable consent from a child's parent or guardian is required before collecting, using, or disclosing personal information from a child under age 13. If a Department website intends to collect information about children under 13 years old, COPPA-required information and instructions will be provided by the specific web page that collects information about the child. The web page will specify exactly what the information will be used for, who will see it, and how long it will be kept.
Visiting Other Websites
Our website contains links to international agencies, private organizations, and some commercial entities. These websites are not within our control and may not follow the same privacy, security, or accessibility polices. Once you link to another site, you are subject to the policies of that site. All Federal websites, however, are subject to the same Federal policy, security, and accessibility mandates.
Privacy Policy Contact Information
We welcome feedback if you have any questions regarding our privacy policy or the use of your information. The Department's privacy compliance materials are available at Privacy Impact Assessments (PIA) and Systems of Records Notices (SORN). For additional information about our Privacy Policy, please contact us at firstname.lastname@example.com or mail us at:
Office of Global Information Services
Privacy Office – A/GIS/PRV
State Annex 2
U.S. Department of State
Washington, DC 20522-8100


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Accommodations in San Salvador
Like the Out Islands themselves, the resorts and hotels among them are just as unique and diverse
Bungalows tucked into a tropical landscape, chic villas so close to the ocean you can taste the salt water, branded 4-star boutique hotels and quaint Bahamian vacation rentals that welcome guests like long-time friends into their homes. This embodies the Out Islands of the Bahamas, where even the largest resorts have fewer than 200 rooms, and many have less than a dozen. Staying in the Out Islands of the Bahamas is an experience in and of itself.


text:
56 Team Seeded
Double Elimination Tournament Bracket
Watermarks on the Printable Versions will not appear when the bracket is printed.
If you have any troubles viewing or editing the bracket, simply make sure you are opening the file with Adobe Reader. If you do not have the latest version of this installed on your computer you can Download Adobe Reader Free.


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About the Photographer
Lange, Dorothea
American, b.1895, Hoboken, NJ; d. 1965
Born Dorothea Margaretha Nutzhorn in Hoboken, New Jersey, in 1895, Dorothea Lange contracted polio at the age of seven, leaving her with a permanent limp. Her father left the family when she was twelve, and subsequently her family moved to New York, where she later apprenticed in a portrait studio and studied with Clarence H. White at Columbia University (1917-1918). In 1918, she adopted her mother's maiden name and left New York to travel the world, but she only made it as far as San Francisco. There, Lange operated a portrait studio (1919-1933) and married the painter Maynard Dixon in 1920, with whom she had two children. Lange made her first documentary-style photographs of Native Americans while traveling with Dixon to the Southwest in 1923.
After the stock market collapsed in 1929, Lange felt she had to respond to the deprivation she observed firsthand on the streets of San Francisco. Her first social documentary photographs depicted striking laborers and bread lines in 1933. The following year Willard Van Dyke organized an exhibition for Lange, through which the agricultural economist Paul Schuster Taylor became aware of her work. Taylor was a professor of economics at the University of California at Berkeley (1922-1964) and an advocate for migrant farmworkers. In 1935, Taylor asked Lange to accompany him as a research photographer on a study of migrant laborers in California for the State Emergency Relief Administration. Later that year, both Taylor and Lange obtained divorces and were married, beginning a lifelong professional and romantic relationship.
Lange is best known for her work for the Farm Security Administration (FSA) during the Great Depression. The photography project in the Historical Section of the FSA was originally formed as part of the Resettlement Administration (RA). The RA was created in 1935 to rehabilitate exhausted land, resettle struggling farmers, and build relief camps for migratory workers and refugees from the Dust Bowl. The photographic project's purpose was to document the plight of the rural poor and compile visual evidence supporting the RA's educational campaign to achieve its objectives. The RA was transferred to the Department of Agriculture and folded into the FSA in 1937.
Lange approached documentary photography as a deeply personal practice. She believed in photography's ability to reveal social conditions, educate the public, and prompt action. Lange thought of herself as an observer directly recording reality, although she also sought to portray moments with emotional resonance and to transform specific circumstances into transcendental and symbolic images.
Lange also had an extensive documentary career outside of her work for the RA and FSA. In 1941 she was the first woman to receive a Guggenheim Fellowship, with which she documented Mormon and Amana communities. Over a decade later she collaborated with Ansel Adams to document life in the Utah Mormon communities of Gunlock, Toquerville, and St. George for Life magazine. Three Mormon Towns (1953-1954) was published on September 6, 1954, accompanied by a text written by Lange's son, Daniel Dixon. The MoCP holds many photographs from this series, in addition to Lange's work from the Great Depression.
In 1952 Lange co-founded the quarterly periodical, Aperture, with Ansel Adams, Barbara Morgan, Minor White, Beaumont Newhall, and Nancy Newhall. The same year she met curator Edward Steichen at the Museum of Modern Art (MoMA), New York, who was planning his now-iconic Family of Man exhibition, with which Lange became heavily involved. Family of Man opened at the MoMA in 1955. Almost a decade later, Lange began to assemble a retrospective of her life's work for the MoMA but was diagnosed with cancer of the esophagus in July 1964. She worked persistently on the retrospective until her death on October 11, 1965. The retrospective opened in January 1966.


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Opening the four-day London summit, the Hollywood star and United Nations envoy spoke with passion and conviction, recalling her meetings with rape victims who struggle with injustice and stigma long after their countries have emerged from conflict.
"We must send a message around the world that there is no disgrace in being a survivor of sexual violence, that the shame is on the aggressor," she said, to cheers from the audience. "We need to shatter that culture of impunity."
Jolie and British Foreign Secretary William Hague are co-hosting the event, billed as the largest gathering on the subject ever. Diplomats, officials and nonprofit representatives from more than 100 countries gathered to press for the rights of victims - women, men and children alike.
Wangu Kanja, a Kenyan rape survivor who has set up her own organization to help others, said she hoped the summit will send a message that governments cannot continue to ignore the issue.
"I'm really hoping that from this the Kenyan government will be forced to do something," she said hours after the summit began.
Hague compared sexual violence in war zones to slavery as an injustice that demands action. "As was said with slavery in the 18th century, now we know the facts, we cannot turn aside," he said.
Others far afield also offered support. Pope Francis, who has made combatting sex trafficking and human slavery one of his priorities, sent a tweet Tuesday to encourage the summit's outcome, saying, "Let us pray for all victims of sexual violence in conflict, and those working to end this crime."
Hague and Jolie are set to launch a guidance document on best practices Wednesday to help strengthen prosecutions for rape in conflicts. Hague will also host a meeting Thursday on tackling Boko Haram, the Islamic terror group that abducted more than 300 schoolgirls and young women in Nigeria in April.
The pair have campaigned hard on the issue of sexual violence for two years, and on Tuesday they were welcomed with cheers from others fighting for the cause as they toured a lively fringe program featuring photo exhibitions, poetry readings and artists performing skits.
Nigerian rap and soul singers sang about rape and other problems facing young Africans, while volunteers taught Swahili folk songs in workshops similar to those performed in conflict zones to help reduce trauma.
With the cameras of the world focused on her, Jolie said she wanted to dedicated the conference to a rape victim she and Hague recently met in Bosnia.
"She felt that having had no justice for her particular crime, in her particular situation, and having seen the actual man who raped her on the streets free, she really felt abandoned by the world," Jolie said.


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Linux is a hacker's dream computer operating system. It supports tons of tools and utilities for cracking passwords, scanning network vulnerabilities, and detecting possible intrusions. I have here a collection of 10 of the besthacking and security software tools for Linux. Please always keep in mind that these tools are not meant to harm, but to protect.
1. John the Ripper
2. Nmap
Nmap is my favorite network security scanner. It is used to discover computers and services on a computer network, thus creating a "map" of the network. Just like many simple port scanners, Nmap is capable of discovering passive services on a network despite the fact that such services aren't advertising themselves with a service discovery protocol. In addition Nmap may be able to determine various details about the remote computers. These include operating system, device type, uptime, software product used to run a service, exact version number of that product, presence of some firewall techniques and, on a local area network, even vendor of the remote network card.
Nmap runs on Linux, Microsoft Windows, Solaris, and BSD (including Mac OS X), and also on AmigaOS. Linux is the most popular nmap platform and Windows the second most popular.
Nessus is a comprehensive vulnerability scanning software. Its goal is to detect potential vulnerabilities on the tested systems such as:
-Vulnerabilities that allow a remote cracker to control or access sensitive data on a system.
-Misconfiguration (e.g. open mail relay, missing patches, etc).
-Default passwords, a few common passwords, and blank/absent passwords on some system accounts. Nessus can also call Hydra (an external tool) to launch a dictionary attack.
-Denials of service against the TCP/IP stack by using mangled packets
Nessus is the world's most popular vulnerability scanner, estimated to be used by over 75,000 organizations worldwide. It took first place in the 2000, 2003, and 2006 security tools survey from SecTools.Org.
chkrootkit (Check Rootkit) is a common Unix-based program intended to help system administrators check their system for known rootkits. It is a shell script using common UNIX/Linux tools like the strings and grep commands to search core system programs for signatures and for comparing a traversal of the /proc filesystem with the output of the ps (process status) command to look for discrepancies.
It can be used from a "rescue disc" (typically a Live CD) or it can optionally use an alternative directory from which to run all of its own commands. These techniques allow chkrootkit to trust the commands upon which it depend a bit more.
There are inherent limitations to the reliability of any program that attempts to detect compromises (such as rootkits and computer viruses). Newer rootkits may specifically attempt to detect and compromise copies of the chkrootkit programs or take other measures to evade detection by them.
Wireshark is a free packet sniffer computer application used for network troubleshooting, analysis, software and communications protocol development, and education. In June 2006, the project was renamed from Ethereal due to trademark issues.
The functionality Wireshark provides is very similar to tcpdump, but it has a GUI front-end, and many more information sorting and filtering options. It allows the user to see all traffic being passed over the network (usually an Ethernet network but support is being added for others) by putting the network interface into promiscuous mode.
Wireshark uses the cross-platform GTK+ widget toolkit, and is cross-platform, running on various computer operating systems including Linux, Mac OS X, and Microsoft Windows. Released under the terms of the GNU General Public License, Wireshark is free software.
netcat is a computer networking utility for reading from and writing to network connections on either TCP or UDP.
Netcat was voted the second most useful network security tool in a 2000 poll conducted by insecure.org on the nmap users mailing list. In 2003, it gained fourth place, a position it also held in the 2006 poll.
The original version of netcat is a UNIX program. Its author is known as *Hobbit*. He released version 1.1 in March of 1996.
Netcat is fully POSIX compatible and there exist several implementations, including a rewrite from scratch known as GNU netcat.
Kismet is a network detector, packet sniffer, and intrusion detection system for 802.11 wireless LANs. Kismet will work with any wireless card which supports raw monitoring mode, and can sniff 802.11a, 802.11b and 802.11g traffic.
Kismet is unlike most other wireless network detectors in that it works passively. This means that without sending any loggable packets, it is able to detect the presence of both wireless access points and wireless clients, and associate them with each other.
Kismet also includes basic wireless IDS features such as detecting active wireless sniffing programs including NetStumbler, as well as a number of wireless network attacks.
hping is a free packet generator and analyzer for the TCP/IP protocol. Hping is one of the de facto tools for security auditing and testing of firewalls and networks, and was used to exploit the idle scan scanning technique (also invented by the hping author), and now implemented in the Nmap Security Scanner. The new version of hping, hping3, is scriptable using the Tcl language and implements an engine for string based, human readable description of TCP/IP packets, so that the programmer can write scripts related to low level TCP/IP packet manipulation and analysis in very short time.
Like most tools used in computer security, hping is useful to both system administrators and crackers (or script kiddies).
Snort is a free and open source Network Intrusion prevention system (NIPS) and network intrusion detection (NIDS) capable of performing packet logging and real-time traffic analysis on IP networks.
Snort performs protocol analysis, content searching/matching, and is commonly used to actively block or passively detect a variety of attacks and probes, such as buffer overflows, stealth port scans, web application attacks, SMB probes, and OS fingerprinting attempts, amongst other features. The software is mostly used for intrusion prevention purposes, by dropping attacks as they are taking place. Snort can be combined with other software such as SnortSnarf, sguil, OSSIM, and the Basic Analysis and Security Engine (BASE) to provide a visual representation of intrusion data. With patches for the Snort source from Bleeding Edge Threats, support for packet stream antivirus scanning with ClamAV and network abnormality with SPADE in network layers 3 and 4 is possible with historical observation.
tcpdump is a common computer network debugging tool that runs under the command line. It allows the user to intercept and display TCP/IP and other packets being transmitted or received over a network to which the computer is attached.
In some Unix-like operating systems, a user must have superuser privileges to use tcpdump because the packet capturing mechanisms on those systems require elevated privileges. However, the -Z option may be used to drop privileges to a specific unprivileged user after capturing has been set up. In other Unix-like operating systems, the packet capturing mechanism can be configured to allow non-privileged users to use it; if that is done, superuser privileges are not required.
The user may optionally apply a BPF-based filter to limit the number of packets seen by tcpdump; this renders the output more usable on networks with a high volume of traffic.
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Beginning in the fall of 2012, Princeton University will prohibit freshmen from affiliating with a fraternity or sorority or engaging in any form of "rush" at any time during the freshman year.
The decision to institute the ban is being communicated this week to all returning Princeton undergraduates by President Shirley M. Tilghman, who made the decision based on recommendations from a student-faculty-staff working group on campus social and residential life that submitted its report last spring. The decision is being communicated to all entering freshmen and their families by Vice President for Campus Life Cynthia Cherrey and Dean of Undergraduate Students Kathleen Deignan.
In addition to prohibiting freshmen from affiliating with fraternities or sororities or engaging in the recruitment/membership process known as rush, the ban will prohibit students in the other three classes from conducting or having responsibility for any form of rush in which freshmen participate. As recommended by the working group, there will be no prohibition on membership in fraternities and sororities after freshman year, although the University will continue its longstanding policy of withholding official recognition for such organizations.
In her letter to returning students, Tilghman said that "the decision to prohibit freshman year affiliation and recruitment is driven primarily by a conviction that social and residential life at Princeton should continue to revolve around the residential colleges, the eating clubs, and the shared experience of essentially all undergraduates living and dining on campus."
She said she decided to defer implementation of the ban for a year to allow a committee of students, faculty and staff to develop procedures for administering the prohibition. This committee will be appointed early this fall and will be asked to "consult widely with interested students; think carefully about precisely how the prohibition should be described and enforced, and about the penalties that would be imposed for infractions; and to bring forward its recommendations by early in the spring semester."
Tilghman also said that deferring implementation for a year will provide time for the University to make progress on other ideas that the working group proposed for creating connections between freshmen and students in the other three classes, and for improving social life on campus and in the residential colleges. She announced specifically that she had accepted the working group's recommendation that the University select a location and begin the process of seeking approvals to reinstitute a campus pub. The most recent on-campus pub closed in 1983.
The recommendations of the working group were discussed last spring at several campus forums and in comments submitted to the group's website. Tilghman discussed the proposed ban on freshman year engagement with the trustees in May and again in July, and noted in her letter to students that the trustees are strongly supportive of the recommendation "and, if necessary, would be sympathetic to taking even stronger steps."
In their letter to entering freshmen, Cherrey and Deignan pointed out that for most of Princeton's history, membership in fraternities and sororities was prohibited. These organizations began to reemerge at Princeton in the 1980s, although unlike at many other campuses, none of the fraternities or sororities at Princeton has houses. All Princeton freshmen and sophomores live on campus in residential colleges, as do some juniors and seniors, while most juniors and seniors take their meals at off-campus independent eating clubs while continuing to live in University housing.
"Because Princeton social life revolves around the residential colleges and the clubs and because of concerns that we have had about aspects of fraternities and sororities, the University does not recognize fraternity and sorority chapters," they wrote. "We have found that they can contribute to a sense of social exclusivity and privilege and socioeconomic stratification among students. In some cases they place an excessive emphasis on alcohol and engage in activities that encourage excessive and high-risk drinking. A major concern is that they select their members early in freshman year, when students are most vulnerable to pressures from peers to drink, and before they have had a full opportunity to explore a variety of interests and develop a diverse set of friendships. We hope students coming to Princeton will want to expand their circle of acquaintances and experiences, not prematurely narrow them."
In her letter to returning students, Tilghman acknowledged that "this decision will be disappointing to some who have advocated an expanded role for Greek life at Princeton. I respect their views, and while some students have had difficult and disappointing experiences with fraternities and sororities, I know that others have valued their experiences."
Approximately 15 percent of Princeton undergraduates participate in four sororities and about a dozen fraternities.


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Regular vacuuming is an essential part of caring for your area rug.
*Important You want to avoid using a rotating brush attachment, or beater bar. Using a vacuum beater bar could damage the rug and void the warranty.
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When you finally make the decision to purchase a home, the next most important decision is to find a REALTOR® who is knowledgeable about the community you want to live in. Even more important is to engage a REALTOR® who has the time to provide a thorough review of your wants and needs, and develop a comprehensive plan to find exactly what you are looking for. After all, this process is about you finding a place to call home.
During an initial consultation we will ask questions and listen thoughtfully to your responses to help determine your specific needs for a home, and we will use that information to develop your personalized search criteria. Using our state of the art listing alert and home search platform from RealScout, you will be setup with a search that brings homes that best match your preference to the top of the search list. All properties within the system are reviewed to determine their proximity to local amenities, their visual characteristics, and they are tagged to aid your search.
After the initial consultation, we can provide you with a local mortgage lender contact for loan pre-approval based on the needs discussed. There are certain lenders that specialize in FHA, VA, or other specialty loans, and there are also certain lenders that have better rates and/or terms with their loans. We will assist in getting you in touch with the best lender to meet your goals. We also have an in-house lender that can assist you with pre-approval if you are interested. Just ask, and we will be glad to provide the referral.
Many buyers are searching based on price, schools and/or commute requirements. For the most up to date pricing and school information for the local area, please visit the communities tab built into my website. When we get together to view properties we can also acquaint you with many of the local hidden gems and amenities in the area.
Once the initial consultation is completed and a pre-approval has been obtained, it is time to start looking for homes. Our listing alert system is going to be an integral part of this process as it will act as a communication platform regarding the properties available for sale. If there is a property you would like to view, you can request showings directly through the RealScout platform with a quick click of a button.
Some buyers find their perfect home on the first tour with their Agent, and some buyers take a little more time to see enough homes to create the picture of an ideal home. We will work with you during this time to help you hone your thinking and make sure you stay on track with your goals and wishes for a home. Many agents will push you toward any home that you show interest in, but we believe it is important to discuss how the home fits into your life and what you are looking to accomplish before preparing an offer.
Once you find the the home that is right for you, we will assist in preparing an offer for the home. The steps of this process involve some of the following activities:
The close of escrow is not the end of our service. We are available for you to discuss any details regarding your home, and also provide vendor recommendations to make your homeownership experience an enjoyable one.
During an initial consultation we will ask questions and listen thoughtfully to your responses to help determine your specific needs for a home, and we will use that information to develop your personalized search criteria.


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Recommended for: | TRUMPETER |
Scale: | 1/32 |
Weight: | 0.145 kg |
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Blackview A60 Pro [A60] [2-Pack] ILLUMI AquaShield Screen Protector
ILLUMI AquaShield Ultra Clear HD Screen Protector Compatible with Blackview A60 Pro (A60)
It's as if it's not even there!
The revolutionary and most effective way to keep your favorite mobile device protected is with ILLUMI AquaShield premium HD crystal clear screen protector compatible with Blackview A60 Pro . Crafted using military-grade materials, AquaShield protectors are designed to keep your device protected against the rigors of everyday life. ILLUMI AquaShield protectors are made from a unique film that is the toughest in its class and features a self-healing oleophobic layer that not only prevents yellowing but also resists scratches, dents, and abrasions.
It's as if it's not even there!
- Virtually invisible - 99.9% Ultra Crystal Clear.
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Prolong the Life and Retain the Value of Your Device
- Military-grade film used is made to withstand scratches, dents and abrasions.
- Prevents dust, grime, and dirt from collecting on your device.
- Self-healing oleophobic layer prevents yellowing and keeps your device in pristine condition.
- Comes with an industry-leading Lifetime Warranty that is sure to scare away the competition.


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Abrdn Property Income Trust Ltd (API) Ord 1p
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Abrdn Property Income Trust agrees merger with Custodian Property Income
19 January 2024 10:47
(Sharecast News) - Abrdn Property Income Trust (API) announced a recommended all-share merger agreement with Custodian Property Income REIT (CREI) on Friday.
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Trades priced above the mid-price at the time the trade is placed are labelled as a buy; those priced below the mid-price are sells; and those priced close to the mid-price or declared late are labelled 'N/A'.


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Reference Response
A brief reference response which includes dates of employment, position and reason for dismissal.
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Wedding Cakes - W49 - £0.00
This Cake is available in 8" 10" 12" 14"
Askpantry are thick layered Victoria style sponge cakes with a thin layer of our delicious fruit spread and finished with 100% pure vegetarian fresh cream. All our Cakes are carefully hand-made and beautifully decorated with lovely hands. Our delicious cakes taste great as they look, it's worth spoiling yourself.
All our cakes have a personalised message with free of charge.
- Fresh cream.
- ***Coloured cream may stain. It will taste bitter and has been known to cause hyperactivity in children!***
- Colour & design may vary.
Serving numbers are an approximate guideline. Actual portion numbers will vary according to how the cake is sliced.
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May contain nuts, gluten, soya and milk
Note : Cake design may vary as per the size selected, picture show is only for reference purpose. please call the shop if you need any more information.


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The story of the Selmer Company dates back to the 1800's with brothers Alexandre and Henri Selmer's graduation from the Conservatoire de Paris. In 1885, Henri began making reeds, mouthpieces, and clarinets in Paris. Alexandre Selmer moved to the United States performing as the principal clarinetist for the Boston Symphony. The Selmer clarinets grew quite a following and in 1904, even received a gold medal at the World's Fair in St Louis.
In 1909, Alexandre moved to New York City as the principal clarinetist for the New York Philharmonic. Alongside his performances, he opened a Selmer retail store in downtown New York with teaching and repair facilities. George Bundy began working in the store under the guidance of Alexandre Selmer.
In 1911, Alexandre returned to Paris to assist the family business, leaving his US interests in the hands of George Bundy. Bundy expanded the business to incorporate selling and distributing instruments from other companies such as Vincent Bach, Martin, Ludwig, and Musser.
In 1920, Bundy moved into the area of flute manufacturing. Hiring George Haynes, he began operating in Boston under the names "Original Haynes" and "Master Flute". In the early 1920's, Bundy moved his operations to Elkhart, Indiana in search of a stronger labor pool. With production by C.G. Conn in Elkhart, it was known as the "Band Instrument City of the World." In the late 1920's in response to growing demand for the flutes, Bundy brought a young flute craftsman, Kurt Gemeinhardt from Germany to work for him.
In the late 1920's Bundy purchased the American business from the Selmer brothers, while maintaining the exclusive distributorship of Henri Selmer Paris products in the US. In 1948, Selmer produced the first successfully molded plastic clarinet called the Bundy Resonite 1400. The clarinet was modeled after the famous Selmer Paris BT clarinet used by notable artists like Benny Goodman. The clarinet established a reputation for affordability and high quality and by 1978, sold over one million units.
The Selmer Company continued to grow acquiring other legendary brands and makers such as Vincent Bach, Buescher, Glaesel, Ludwig, Musser, Emerson, and William Lewis & Son.