text:
Diagnostics is the key to personalized medicine, a tailored approach to treatment based on the molecular analysis of genes, proteins, and metabolites. Yet although this approach has generated much excitement, few personalized-medicine tests have achieved high levels of clinical adoption. To understand better the challenges to the development and acceptance of personalized medicine—and how to overcome them—we interviewed more than 60 leading experts in this and related fields1 and conducted microeconomic analyses of various stakeholder issues.
We focus here on the US market, but the challenges are also relevant elsewhere. Our proposals for overcoming them could significantly accelerate the adoption of personalized medicine.
Stakeholder incentives and challenges
Our investigation highlighted three main obstacles to the advancement of personalized medicine: scientific challenges (a poor understanding of molecular mechanisms or a lack of molecular markers associated with some diseases, for example), economic challenges (poorly aligned incentives), and operational issues. Although scientific difficulties remain, the economic challenges and operational questions now seem to be the biggest hurdle. Operational issues can often be largely resolved within a particular stakeholder group, but correcting the incentive structure and modifying the relationships between stakeholders could be more complex.
Investors and analysts have suggested that personalized medicine can dramatically reduce health care costs and help payers market products to the most attractive customers. Yet most payers have been slow to invest in personalized medicine. Leaders in payer organizations say that several factors could explain this reluctance. First, it is hard to identify which tests truly save costs. Second, the belief that it is difficult to track much earlier-stage and experimental testing leads to fears that although individual tests may not be very expensive, the overall eventual costs could be unjustifiably high. A third concern is the difficulty of enforcing standard protocols to ensure that physicians follow through with appropriate patient care based on test results. Fourth, test information could be misused—particularly in the early stages of investigation and development—which could harm patients. Finally, there is no longitudinal accounting, which would enable payers to capture long-term cost savings from near-term testing.
To understand which tests avert costs, we analyzed various types of tests. Two primary factors determine a test's cost effectiveness from a payer's perspective: per patient savings (the difference between the cost of treating a disease and the cost of the intervention indicated by the test) and the likelihood that a test suggests an intervention for any particular patient (Exhibit 1). Tests that help avoid the use of expensive therapies (for example, cancer therapies such as trastuzumab or imatinib), minimize costly adverse events (such as the warfarin dosing test), or delay expensive procedures can be extremely cost effective for payers. Although such tests cost $100 to $3,000 each, they save $600 to $28,000 per patient. Tests that save a small amount per patient or have a low probability of identifying patients requiring intervention are not cost effective. BRCA1 testing to predict the risk of breast cancer can save around $25,000 per patient identified, for example. But mutations are so rare in the general population that this test, which costs up to $3,000 per patient, is cost effective only when performed on a patient with a family history of breast cancer.
Not all diagnostic tests cut costs for payers.
The payers' adoption of personalized-medicine tests is further complicated by the high customer turnover of many commercial payers in the United States. This makes it less economically attractive for payers to reimburse prophylactic tests that minimize the likelihood of conditions occurring much later in life: the costs accrue to the payer that screens the patient and performs the intervention, the benefits to the payer covering the patient when the disease actually arises. The pharmacoeconomics for the BRCA1 test illustrate the point (Exhibit 2). This longitudinal-accounting issue is particularly acute for diseases with a late or delayed onset: insurers for the elderly—for example, the US Centers for Medicare and Medicaid Services (CMS)—get the benefit of interventions paid for years earlier by commercial payers. Notably, payer systems that have low patient turnover, such as integrated systems like Kaiser Permanente in the United States or single-payer systems in Europe, are less exposed to this incentive challenge.
Markers for prevention are least cost effective for programs with high patient turnover.
Because the actual cost savings of personalized-medicine tests may not be known until a test has been on the market for some time, it will remain in the interests of payers to delay adopting such diagnostics until they can differentiate between cost-saving and cost-creating ones. The winning strategy for diagnostics companies may therefore be to collaborate with stakeholders whose economics are more aligned with theirs (for example, Kaiser Permanente, large self-insured employers, and the US Veterans Affairs system, which have relatively low membership turnover). Generating high-quality health economic evidence will provide the confidence that enables payers more rapidly to adopt tests and will align physicians' incentives with patient care and outcomes rather than procedures. Such developments could create a source of competitive advantage for payers that are better at identifying and implementing policies to promote cost-saving diagnostics.
Today's procedure-based reimbursement system for providers also presents a challenge: provider economics create incentives for some personalized-medicine tests but discourage others. Physicians could be more likely to embrace tests that increase the number of procedures performed than tests that diminish procedure volume. A test that identifies three times more patients at high risk of colon cancer than current approaches do would align well with the interests of gastroenterologists, for example, since a patient's lifetime value related to such a molecular diagnostic is around $2,000. Other tests may be cost neutral or have microeconomic disincentives. Oncotype DX, a gene-based breast cancer diagnostic test used to assess the likelihood of benefit from chemotherapy, for example, reduces the number of patients that physicians treat with it and thus the revenue those patients generate. Yet Oncotype DX has been widely adopted because of its clinical merit.
Pharmaceutical and biotechnology companies
Biomarkers (an indicator of a biological state) are now helping pharmaceutical and biotechnology companies to aid R&D. In some cases, companies will develop these markers as companion diagnostics—tests to identify a patient's likelihood of responding to a drug or experiencing side effects. R&D executives at 16 of the top 20 biopharmaceutical companies interviewed in a 2007 McKinsey survey indicated that, on average, 30 to 50 percent of drugs in development have an associated biomarker program and suggested that this number would probably increase. By contrast, the same executives also suggested that less than 10 percent of drugs that now have biomarker programs would be launched with a companion diagnostic over the next five to ten years (this is highly dependent on the disease area).
In theory, companion diagnostics can improve R&D productivity by decreasing trial sizes, reducing attrition, or increasing speed to market, as well as enhance commercial performance by boosting market share or supporting higher drug prices. Many companies, however, are moving slowly to use biomarkers and companion diagnostics: while the most aggressive players have biomarker programs for 100 percent and companion diagnostics for 30 percent or more of their compounds, the average company has far fewer (30 to 50 percent and less than 10 percent, respectively). Moreover, many experts we interviewed said that their companies hadn't prioritized companion diagnostics and were taking a cautious approach to investments. Scientific and clinical factors place some limits on the pace of development. In certain disease areas, understanding of molecular mechanisms is insufficient to select biomarkers at early stages of development. In others, there is no big clinical need for companion diagnostics. In many disease areas, however, companies are moving slowly despite scientific advances.
Our research suggests that the potential to generate greater value after marketing, through increasing prices and market share, is vastly more important for the economics of pharmaceutical and biotechnology companies than making development more productive (Exhibit 3). Indeed, companion diagnostics may do little to improve development productivity. Often, they might actually increase overall costs and delay development. Experts suggested that Phase II clinical trials must frequently be larger when companion diagnostics are employed. Trials often need to be designed with several potential candidate biomarkers in Phase II (and sometimes Phase III), as it is unclear which markers will be predictive. In addition, the US Food and Drug Administration (FDA) is likely to require that marker-negative patients be included in Phase III trials, given concerns that drugs could be used off-label by these patients. This is likely to eliminate the widely cited upside from smaller trials. Other commonly cited applications of personalized medicine during drug development also seem unlikely to improve drug-development productivity much.
The potential to generate greater value after marketing is vastly more important for the economics of pharmaceutical and biotechnology companies than making development more productive.
Nonetheless, companion diagnostics could create significant potential commercial benefits from increased market share and pricing power. Yet there are also significant risks, as companion diagnostics divide the treatable patient population into subsegments and can reduce market share. They are therefore most likely to create value for later-to-market entrants in crowded markets characterized by significant pricing flexibility.
If two drugs are already on the market and relatively undifferentiated, for example, the third drug on the market is likely to capture a relatively small share—say, 5 to 20 percent. A companion diagnostic that identifies a segment of patients who will respond especially well to a drug or will find it less toxic, and thereby enables higher pricing, could generate value. A key determinant is the payers' price scrutiny and sensitivity, which varies dramatically by disease area, particularly in the United States. For instance, BiDil, a fixed-dose combination of two generic cardiovascular drugs (hydralazine hydrochloride and isosorbide dinitrate), has been approved by the FDA specifically for African Americans with heart failure. Attempts to charge a price premium faced aggressive differential copay tiering by payers, which contributed to lower-than-expected sales. In therapeutic classes where payers scrutinize prices less intensely (oncology drugs, for example), companies would be more likely to charge a premium and maintain coverage.
These companies are rightly considering investing in personalized medicine in certain disease areas. To highlight those where near-term investment in companion diagnostics is most likely to occur, we segmented drug classes according to their scientific and commercial potential (Exhibit 4). This segmentation reflects not only quantitative factors but also qualitative factors from interviews. Our analysis indicates that companies are most likely to invest in diagnostics in areas such as oncology, immunology, and infectious disease. The segmentation also reveals disease areas where incentives are not aligned to drive investment, despite technical feasibility and clinical need. These areas, such as anticoagulants, antipsychotics, and antidepressants, are ripe for development by other organizations, such as diagnostics companies.
Companies are likely to invest in areas with the highest potential rewards.
Companies should also realize that the payer environment is evolving rapidly and that personalized-medicine tools will increasingly be required to preserve value. Although pharmaceutical and biotechnology companies must be aware of areas where diagnostics can destroy value by subsegmenting existing markets, it will be equally important to prepare for the day when regulatory bodies will demand greater proof of patient outcomes to justify approval, reimbursement, and prices. Companies should thus act quickly to build the required capabilities and experience.
Diagnostics companies
Companies that develop diagnostics and life science tools enable a wide variety of test types, including companion diagnostics (often in collaboration with a biotechnology or pharmaceutical company), early-stage diagnostics, disease recurrence and monitoring tests, adverse-drug-events tests, and genotypic-risk-marker analyses. However, diagnostics developers have faced difficulty capturing the full value they generate. Diagnostic tests are estimated to influence 60 to 70 percent of all treatment decisions, for example, yet account for only 5 percent of hospital costs and 2 percent of Medicare expenditures. Molecular diagnostics are often cited as a more attractive market segment than typical diagnostics, given the potential for higher prices ($100 to $3,000 per test, compared with $20 to $50 for a typical diagnostic test) and higher gross margins (50 to 70 percent for a sample molecular diagnostic, compared with 30 to 50 percent for most diagnostics of typical large laboratory companies). Indeed, a number of emerging companies, including Celera, Genomic Health, Myriad, Monogram Biosciences, and XDx, have successfully raised funding and developed innovative molecular-diagnostic tests.
Unfortunately, the molecular-diagnostics business case still holds significant risk (Exhibit 5) as a result of factors such as development costs, the timing of development and approval, time-to-payer coverage, rates of provider adoption, and peak sales prices. To understand these factors' relative importance, we modeled the economics of a hypothetical start-up and then performed a sensitivity analysis using upside and downside scenarios for each variable.
The molecular-diagnostics business case still holds significant risk.
Our model, intended to test the importance of risk factors, was based on benchmarks from a few molecular-diagnostics businesses. It doesn't represent a specific company, and the economics of companies with products now on the market vary significantly. This model suggests that the expected ten-year net present value (NPV) of an average diagnostic test is around $15 million. The most important factors influencing profitability are the time to approval and the rate of payer adoption. If the time to approval is delayed by a year, the ten-year NPV becomes negative, at around –$10 million. This finding is relevant, since it remains unclear how the FDA will regulate in vitro diagnostic multivariate index assays (IVDMIAs)—tests like Oncotype DX for breast cancer recurrence, which is already on the market.
At the time of writing, the FDA had suggested that a 510(k) approval process for diagnostics may be sufficient for tests that are prognostic indicators, but pre-market-approval from the FDA will probably be required if a test directly influences therapy decisions. A pre-market-approval review is likely to increase time to market by at least a year. Nonetheless, good communication between the Center for Drug Evaluation and Research and the Office of In Vitro Diagnostic Device Evaluation and Safety may partially mitigate this problem through priority reviews. Approval timelines for other systems remain unclear. The European Medicines Agency and Japan's Pharmaceuticals and Medical Devices Agency also have yet to establish clear guidelines for approving personalized-medicine tests.
The case of Oncotype DX demonstrates the challenge of slow coverage by payers. Although the test was launched in 2004, analysts and company estimates suggest it will be 2010 before all payers routinely cover it. Coverage stands at about 85 percent, contrasting starkly with typical adoption rates for new drugs, which are generally reimbursed immediately at launch or within the year in the United States. In Europe, drug coverage may take slightly longer, depending on the extent of the review, but is unlikely to take more than four years—the adoption timeline of Oncotype DX.
Start-up diagnostics companies therefore face challenging economics. However, as more tests become available and payers, regulators, and molecular-diagnostics companies gain experience, development and adoption times are likely to shorten. Likewise, as the regulatory process becomes clearer—but potentially longer—the adoption rates of payers may also increase. Given their unease with personalized-medicine testing, it will therefore be advantageous for leading diagnostics companies to help shape the development of rigorous but efficient regulatory and approval standards.
Potential catalysts for personalized medicine
Conversations and analyses conducted during the course of our investigation revealed four main catalysts that could significantly affect the adoption of personalized medicine in the near term.
Regulatory environment
First, regulatory bodies such as the FDA must improve the clarity and efficiency of regulatory-approval processes, both for stand-alone and companion diagnostics. These clarifications are critical to help diagnostics companies plan ahead and design trials. Our conversations with more than 60 experts indicate that the key questions regulatory bodies ought to address include the following:
Should marker-negative patients be required for Phase III trials?
Will the use of retrospective analyses on archived samples be permitted for approving companion diagnostics (and if so, under what circumstances)?
What regulatory standards and oversight should be required to let personalized-medicine tests, especially laboratory-developed ones, be used in therapy decisions?
For regulations under consideration, the authorities must weigh short-term costs against long-term benefits. Current plans include basing the classification of tests as Class I, II, or III on the level of risk of the intended use. As a result of higher approval standards, IVDMIA changes promoting more rigorous evaluation of safety and effectiveness may have long-term benefits, encouraging faster adoption by payers and physicians. However, the near-term consequences may harm short-term market investments.
For diagnostics companies, the approval process can actually be an opportunity to justify higher pricing by showing a willingness to set appropriately stringent standards and by shaping regulatory guidelines to bolster the industry and protect patients. The FDA should work to minimize approval delays resulting from higher standards and help mitigate any negative impact on investment in development. Leading pharmaceutical, biotechnology, and diagnostics companies should seek opportunities to help shape the development of these guidelines and standards.
To drive changes in market incentives, regulators could decide not to require the collection of clinical data on marker-negative patients, thus lowering development costs. Concerns about the use of therapeutics in this population could be reduced through parallel moves by payers and regulatory bodies to increase barriers to off-label use. Furthermore, regulators could increase the flexibility of trial designs and even allow the approval of companion diagnostics on the basis of retrospective tests of the DX marker (that is, performed on archived samples). Finally, governments and regulators could directly reward the development of companion diagnostics by increasing the patent life for drugs developed with them, providing tax-based incentives, and continuing to award grants for R&D.
Payer coverage
In the United States, approval and reimbursement-coverage decisions are discrete processes with minimal coordination between the FDA and CMS. Uncertainty remains about how this coordination will work elsewhere in the world. Processes have not been established—for example, at the time of writing, the United Kingdom's National Institute for Health and Clinical Excellence (NICE) does not have any guidance on reviewing molecular-diagnostics tests. State payers, private payers, and diagnostics companies can help fuel growth in the personalized-medicine market by making coordinated efforts to improve the pace and process of coverage decisions.
One step could be for CMS to take a lead in aligning the reimbursement process with the regulatory-approval process. Presubmission meetings to delineate data requirements for regulatory and coverage approval and ongoing joint reviews can facilitate interagency collaboration. Optimal alignment across the two agencies implies that if suitably stringent guidelines were set, CMS would provide coverage and adequately reimburse companies that meet the hurdles. Additional health economic data or regulatory approval for clinical claims, for instance, may be reasonable prerequisites for coverage and could thus help ensure adequate reimbursement, pricing, and value for diagnostics players.
The development of formal guidelines could make decisions on coverage more transparent and efficient. CMS now typically makes coverage decisions for molecular diagnostics at the regional rather than national level. Decisions are thus made many times, based on different guidelines and processes and often with different outcomes. Private payers also lack clear guidelines for these decisions. Both CMS and private payers have an important role to play in shaping coverage and payment decisions. Private payers we interviewed are waiting to understand (and potentially follow) CMS coverage policies, as often occurs with therapeutics.
One way to improve coverage guidelines in both systems and processes would be to establish an agency to assess the clinical and cost effectiveness of tests. This agency—which could take the form of a third-party nonprofit agency, a consortium, or a new government agency—could be a coordinated effort by payers, CMS, pharmaceutical and biotechnology companies, and diagnostics players. The formation of new oversight agencies (for example, an FDA center for diagnostics) could also help. Notably, single-payer systems, such as those that predominate in Europe, have two advantages in adopting personalized medicine: they are not as susceptible to longitudinal-accounting issues, and coverage decisions can be less complex and involve fewer decision makers.
Physician incentives
Aligning physicians' incentives could further hasten adoption. In many countries, physicians get disproportionately higher rates for procedure-oriented services than for evaluation and management. They therefore often have a real financial disincentive to perform tests that might make further treatment unnecessary.
Efforts are under way to shift toward a more outcome-based approach to reimbursement, so that physicians will have incentives to use and act on appropriate personalized-medicine diagnostics. Yet to encourage adoption, payers should also work to develop a system ensuring that physicians are reimbursed for the test itself. Moreover, in the United States, personalized-medicine tests are now billed by a nonscalable approach called "CPT2 code stacking," which can encourage laboratories to game the system. Eventually, individual codes that are commensurate with a test's cost and value and that provide appropriate reimbursement to physicians will have to be developed for each molecular diagnostic.
Investment by pharmaceutical and biotechnology companies
Pharmaceutical and biotechnology companies should take a long term–investment view. Some already do: of the leaders we interviewed, those who have invested most heavily in personalized medicine suggested that they are renewing the focus on outcomes and clinical value in the process of drug discovery. They realize that the drugs their companies develop today will be entering markets with more competitors, more pricing pressure, and a higher bar for differentiated clinical outcomes.
An aggressive move toward value- or outcomes-based pricing by CMS or private payers could greatly increase the financial value of personalized medicine and so the incentive to invest in it. One possibility might be innovative risk-sharing models for drug and diagnostic coverage. Payers could, for instance, follow the examples in Europe of bortezomib (Velcade) for multiple myeloma and the interferon-beta drugs for multiple sclerosis: reimbursement is contingent upon patient outcomes. Payers could also create innovative risk-sharing agreements with diagnostics companies. A test could, say, receive conditional, partial reimbursement for a number of years until its clinical effectiveness was definitively demonstrated, when the diagnostics company would be paid in full. The payer would limit cost exposure by covering part of the costs for a limited time; diagnostics companies would benefit from early coverage decisions.
Over the next few decades, the development of "omics" sciences (such as genomics) and supporting technologies will enable the creation of more and more personalized-medicine tests. Yet poorly aligned incentives for stakeholders could hamper their use. All stakeholders should therefore work together to reshape these incentives and so reap the benefits of personalized medicine.


text:
If you need to look for online lottery tips, then reading the following paragraphs will give good lottery ticket tips that you can follow. Remember that many lottery tips are sprouting internet and only a few is thought to be effective.
prediksi sgp to check: go to Google search (or your favorite search engine for that matter) and kind the name of the lottery site you in order to check and add this: +review as part of your query company. The results will apt to be numerous. If too many negative reviews come out, or no results at all, prefer another Online lottery service business.
If you want to increase your chances of winning this lottery, zero tip will be always to check numerous guides like "How to Win" which can published about the internet. You may be able to contact those who posted, thank them and request advice and guidance. Some Megabucks lottery enthusiasts even publish magazines and organize forums for discussion technique win the. I also suggest further from the literature on top of the subject, there are various books of mathematical models that explain how to win the lottery.
Next tip is purchase random numbers rather than following must not order of numbers. Stay away from following the 1, 2, 3 sequence for this will not a person with a winning pattern. There are several options that you can use like picking the split of even or odd quantity. Many people used this technique by simply looking around to discover random numbers everywhere. Most of them use plate numbers, horoscope numbers, room numbers and other ones. If you possess a strong feeling that which means that will more likely to fall out on the draws, as soon as the intuition would certainly be a good option.
If you desire the for you to win the lottery, received to have a strategy. Picking random numbers don't succeed. You don't need shell out much money if you follow five tips I've given then you. Chart your numbers an individual will dramatically increase your chances of winning the sweepstakes.
Online lottery lotteries also have another advantage; you haven't got to just play nearby and state lotteries. You can play the lottery dissatisfaction with the fourth state, like Texas, California, or California. You could also take the time by playing the lottery in another country attempt to to get a hand on some of them winnings.
Play in a syndicate: By playing in the syndicate you increase your chances of winning most lotteries which look for bonus telephone numbers. Through a syndicate you can fill all the possible probabilities for a minimum of two numbers which greatly increases the chance of winning a lotto. The only problem is to find players to create a syndicate.
The above 3 mistakes are terrible strategies that you will never want to use. If you do, you will suffer your money fast, and you'll not be happy. When considering a good lottery strategy, that you simply it's a good idea. There's nothing quite like winning, but make specific you're doing work the right way, that allows money doesn't overcome your joy.

subset: commoncrawl


text:
Across America, parents are taking a big breath before attempting one of the more difficult conversations they will have with their children: explaining how tragedies such as the shooting at Sandy Hook Elementary School can happen.
It's hard to distill the Connecticut tragedy for little kids when it doesn't even make sense to adults. But at dinnertime, bedtime, during carpool and everywhere in between, children will be turning to mom and dad for reassurance that they are safe.
"Tell them the truth, in their language," says Emanuel Maidenberg, an associate clinical professor of psychiatry at UCLA who specializes in anxiety. "Let them know that this is something that doesn't happen very often and they are safe."
Experts vary on how proactive parents should be: some recommend against bringing up the subject unless curious or frightened children ask, although most advise parents to initiate a conversation. Either way, the key is to reassure kids and answer their questions without providing information overload. Be honest, keeping in mind your child's age, adjusting your explanations to your children's ability to understand. And continue with your family's regular routine, advises Maidenberg. "Most young kids don't have the skills to put their feelings into words so encourage them to talk about what they feel and name their emotions," says Maidenberg.
(MORE: Ohio School Shooting: Why NIMBY No Longer Applies)
It's normal for kids who hear about what happened to feel stressed and anxious, says Kenneth Dodge, director of the Center for Child and Family Policy at Duke University, especially since the shootings occurred at school. But despite the intense coverage that school shootings receive, schools are, in fact, some of the safest places for young children. The most recent statistics from 2010 show that 17 children were killed in U.S. schools — less than 2% of child homicides that year, according to David Finkelhor of the Crimes Against Children Research Center at the University of New Hampshire. The figures are reassuring, to some extent, but the drama of a mass calamity is impossible to ignore.
"You can say to your kids, Just because this happened at one school doesn't mean it's going to happen at your school. I'm really comfortable and confident about your school," says Dodge. "It's natural to feel anxious, but most kids will get over it on their own."
(PHOTOS: Connecticut Community Copes After School Shooting)
Parents can help by curbing any tendency to overshare; save the in-depth discussions for grown-up company. "You don't want to tell kids too much," says Rahil Briggs, a child psychologist at the Children's Hospital at Montefiore in the Bronx. Any amount of exposure to scary news about the school shooting can potentially lead to clingy behavior, irritability or loss of appetite. Children also express feelings through play so it wouldn't be unusual for them to use art or Legos to capture their thoughts. Briggs was a graduate student at New York University on 9/11; in the weeks after the attacks, she visited various schools where she watched children as they sketched images of buildings falling or airplanes on fire. "They would draw picture after picture," she says.
That's a healthy way of coping with disaster. Most children will ask some questions about what happened in Connecticut, draw some pictures, inquire about what it means to be dead — and move on. For those who seem fixated on the details and worried about their safety even after several weeks go by, it's a good idea to seek advice from a pediatrician or psychologist.
(MORE: Giffords Shooting: To Kids, It's As Simple As "Use Your Words")
It's also a good idea to empower kids who feel helpless by brainstorming ways to be useful. Have your kids write letters to the students at Sandy Hook (912 Dickinson Dr., Sandy Hook, CT 06482), suggests Dodge. Make signs of support. It will help up shore up morale in Newtown, Conn., and make your kids feel useful, which in turn relieves some of the stress and fear they are feeling.
Kids, of course, aren't the only ones who need help coping. As a parent of a kindergartener, I dropped by her school after news of the Sandy Hook shooting to give her a kiss and a hug for reasons she did not yet know. While at her school, her teacher — who teared up but quickly regained her composure — handed me a note from the school district's superintendent reiterating exactly what various experts had emphasized. He encouraged parents to turn off the television news and give "honest, simple, brief" answers to any questions that kids ask. "If children keep asking the same question over and over again it is because they are trying to understand, trying to make sense out of the disruption and confusion in their world," the superintendent wrote.
As parents, we can only try to help that process along, even if we don't have the answers.


text:
Many people have questions about home prices right now. How much have prices risen over the past 12 months? What's happening with home values right now? What's projected for next year? Here's a look at the answers to all three of these questions.
How much have home values appreciated over the last 12 months?
According to the latest Home Price Index from CoreLogic, home values have increased by 18.1% compared to this time last year. Additionally, prices have gone up at an accelerated pace for each of the last eight months (see graph below):The increase in the rate of appreciation that's shown by CoreLogic coincides with data from the other two main home price indices: the FHFA Home Price Index and the S&P Case Shiller Index.
The last year has shown tremendous home price appreciation, which is resulting in a major gain in wealth for homeowners through rising equity.
What's happening with home prices right now?
All three indices mentioned above also show that while appreciation is in the high double digits right now, that price acceleration is beginning to level off (see graph below):Year-over-year appreciation is still close to 20%, but it's clearly plateauing at that rate. Many experts believe it will drop below 15% by the end of the year.
Keep in mind, that doesn't mean home values will depreciate. It means the rate of appreciation will slow, yet stay well above the 25-year average of 5.1%.
What about next year?
The recent surge in prices is the result of heavy buyer demand and a shortage of homes available for sale. Most experts believe that as more housing inventory comes to market (both new construction and existing homes), the supply and demand for housing will come more into balance. That balance will bring a lower rate of appreciation in 2022. Here's a look at home price forecasts from six major entities, and they all project future appreciation:
- Fannie Mae
- Freddie Mac
- Mortgage Bankers Association
- Home Price Expectation Survey
- Zelman & Associates
- National Association of Realtors
While the projected rate of appreciation varies among the experts, due to things like supply chain challenges, virus variants, and more, it's clear that home values will continue to appreciate next year.
Bottom Line
There have been historic levels of home price appreciation over the last year. That pace will slow as we finish 2021 and enter into 2022. Prices will still rise in value, just at a much more moderate pace, which is good news for the housing market.


text:
Export Notice:
This is an item controlled for export by the International Traffic in Arms Regulations (ITAR). These controls take the form of export regulations and export license requirement.
As part of the express consideration provided for receipt of IWI US's goods, technical data and/or services, you, our customer, acknowledge that the export, re-export or other transfer, directly or indirectly, of the goods, technical data and/or services provided by IWI US in violation of U.S. law is prohibited. Customers acquiring ITAR goods, technical data and/or services from IWI US shall be responsible for obtaining any necessary U.S. or other government authorization required to ensure compliance with applicable export laws.
Cancer and Reproductive Harm – www.P65Warnings.ca.gov


text:
        | ||||
Home | Getting Started | To Survive in the Universe |
News@Sky | Astro Photo | The Collection | Forum | Blog New! | FAQ | Press | Login |
"I don't think the human race will survive the next thousand years, unless we spread into space. There are too many accidents that can befall life on a single planet." The SKY-MAP.ORG authors completely share these concerns of Stephen Hawking. The only words we could add are that the greatest threat to the human race is the human race itself.
The SKY-MAP.ORG authors believe that the majority of people today are too focused on their everyday life and do not have enough time to talk about the outer space. A person who understands the ways of the Universe will see the Earth through different eyes. Our planet is so diminutive and vulnerable that any small by the space scale accident can instantly destroy us all. The Universe is enormous, and people are incredibly insignificant in the infinite space, full of unknown dangers. From this point of view, all our mutual rivalries appear at least ridiculous.
The SKY-MAP.ORG authors would like to believe that by presenting the Universe to people, it is possible to change their attitudes towards our planet, life itself and each other. The authors are confident that the understanding of a person's own place in the Universe gives people internal freedom, the ability to appreciate oneself and to focus on the real problems, rather than on the vain ones.
The authors are convinced that SKY-MAP.ORG, having huge educational and scientific potential, could play an important role in the popularization of the science about the Universe. The authors hope that they can draw the people's attention to the task about which almost no one takes the time to reflect upon thinks in their daily life - the task of SURVIVING IN THE UNIVERSE.
The authors suggest that this is a sensitive and difficult goal, and that the more people take this goal to heart, the better the chances of survival humanity has.


text:
The Most Important Restaurants in Forty Years
Sirio Maccioni at Le Cirque on 65th Street.
I hope you'll want to read what I originally wrote for New York's 40th anniversary celebration issue. "What are the dozen (or so) most important restaurants of the past forty years?" The assignment specified ten. I asked for a dozen. Being a food writer, I meant a baker's dozen -- but then, I am the Insatiable Critic, so there are fourteen. Before the reality of space requirements took over, this was what I wrote. The restaurants are arranged chronologically. At one time there were even sixteen – Union Square Café on its own and an ode to Babbo. (See below) Email me. I want to know what you think. Lutèce: With Alsatian André Soltner in the kitchen (almost constantly; in 34 years, he only missed five nights), Lutèce sets the gold standard for what a French restaurant should be in America despite Craig Claiborne's snarly first one star review in l961. Four stars finally come in 1980. Early on, winos are stunned when owner André Surmain decides to price wine at market price, ending the days of the $5 Bordeaux. Keepers of caves across town quickly follow suit. Four Seasons: Restaurant visionary Joe Baum's dazzling celebration of the seasons. Philip Johnson austere, staunchly American in a fancy French era. First under Restaurant Associates, then on their own. Paul Kovi and Tom Margittai tend Power Lunch in the Bar (opens 1975), now the Grill, still feeding the powerful today. Annual California Barrel tastings are a heady song and dance boosting Left Coast wines. (And a tip of the hat to Bob Tisch and his Regency Dining Room Power Breakfast in 1983.) Maxwell's Plum: The grand café as Show Biz. A mythic mating bar, kaleidoscopic stained glass ceilings and jungle of Tiffany lamps. As exuberant as its impresario Warner LeRoy, rotund form wrapped in wild plaid taffeta suits, arms flung wide, welcoming 1200 customers a day. Young Drew Nieporent at the podium. The ambition of its eclectic American menu -- hamburgers and chili to caviar and stuffed squab – wins Claiborne's four stars in the late 1960s. Shun Lee Dynasty: Chef T.T. Wang's Uptown Upscale Chinese with Michael Tong at the door, first Chinese four star sets scene for Shun Lee Palace, David Keh's empire, a confluence of Chinese master chefs in late 70's, giving the city the best Chinese eating it has ever had, though not for long. Le Cirque: In all of its incarnations from 1974 to today, the hand-kissing Sirio Maccioni's A-list eatery has been both a club for defrocked presidents, the jet set and the ladies-who-lunch crowd, and a serious eatery, proving ground for Daniel Boulud and Sootha Khun. Blame Le Cirque also for the rediscovery and eventual abuse of crème brûlée.
Windows-on-the-World: This instant landmark floating 102 stories in the sky was Restaurant impresario Joe Baum's brilliant comeback from exile by Restaurant Associates, signaling a financial turnaround in the city's darkest economic moment, key to revitalizing Lower Manhattan. "The Most Spectacular Restaurant in the World" is the headline on New York's cover in May, 1976. River Café: The genius was not just in a riverfront view of Manhattan from Brooklyn in l977, after a 14-year struggle by Buzzy O'Keefe, and instantly the most romantic restaurant in town. Would it trigger a tide of waterside restaurants? Alas, no. But Chef Larry Forgione's determined farm, ranch and geographical credits for every periwinkle and prawn on the menu portends product-envy to come. Getting O'Keefe to subsidize a chicken raised to Forgione's specs leads to first "free range" birds in 1980. Also a nursery for star chefs Charles Palmer, David Burke, Rick Laakkonen and Brad Steelman.
Barry Wine shows off truffles and beggar's purses at Quilted Giraffe.
Quilted Giraffe: Transplanted in 1979 from its innocence in New Paltz to a Greek coffee shop on Second Avenue (Barry and Susan Wine lived above the store like André Soltner around the corner), Giraffe set nouvelle cuisine style with outsize service plates, the first degustation in NYC, the Grand Dessert tasting, and later, Japanese small plates and sous vide, recruiting American chefs Tom Colicchio, Wayne Nish, Jan Birnbaum when few French restaurants would hire Americans. Back in New Paltz, the Wines grew their own asparagus and pea sprouts and on weekends Susan gathered fraises du bois. At the same time, Chanterelle lights up nighttime desolation in SoHo. Odeon: In 1980, with no money but lots of style, Lynn Wagenacht and the McNally brothers Brian and Keith didn't only help create a trendy New York neighborhood in a former industrial wasteland. They made a faded Deco cafeteria with Patrick Clark's nouvelle cuisine into the American bistro prototype and paved the way downtown.
Gotham Bar & Grill: Gotham almost faded away until in l984, chef Alfred Portale bonded French technique to an American sensibility, setting a new casual-but-crisp tone that became nothing less than the modern New York restaurant standard. Later, Portale's daring tall food becomes America's plating rage. In fall 1985 the same shirt-sleeves casual and well-tended cellar with a neighborhood feel sets the tone at Union Square Café, flagship of what will be Danny Meyer's ever-expanding feeding fief with an amazing dividend – Meyer's leadership in the rebirth of Madison Square Park.
Le Bernardin: The Parisien brother-and-sister act Gilbert and Maguy LeCoze beguiled foodies in January, 1986, with their shockingly fresh apprach to seafood: tuna carpaccio, tomato-foamed salmon, and lowly halibut in green sauce, lending instant caché to Equitable's new home on a tacky Westside street. It forever changes the way Americans cook and eat fish. Eric Ripert keeps the gospel brilliantly. Lafayette at the Drake: Jean-Georges Vongerichten's French-Asian fusion makes its U.S. debut here as ambassador for Michelin three star Louis Outhier. Then, on his own in 1987, disdaining cream and classic French stocks, he launches a startling menu divided into les vinaigrettes, perfumed oils, vegetables jus – changing the flavor palette of new American cooking and winning four stars in 1988. San Domenico: Tony May's 1988 take on the uppercrust style and regional taste in this Imola offshoot (after introducing carpaccio, house made ravioli and tartufo at his Italian Fortnights in the Rainbow Room in 1972) is a hothouse for star chefs: Theo Schoenegger, Paul Bartolotta, Scott Conant, Odette Fada. May's Gruppo di Ristoratori Italiani, emphasizing imported Italian products, unites owners "to improve the image of Italian cooking through education." May's now defunct Palio and Sandro (recently revived) are aperitivos of serious Italian eating before the age of Batali. Nobu: Impresario'd by Drew Nieporent, Nobu arrived in 1994 with ice-cold sake, gold leaf fluttering on toro, Peruvian-Japanese fusion and partner Robert De Niro's private room for movie and music bigs. It is serious Japanese made accessible, given a unique American--no, New York--twist.
Babbo: Mario Batali's feisty rock-n-roll, upmarket Italian rustica with in-your-face innards, civilized by Joe Bastianach's somber wine rituals leads to Lupa, Roman classics with market greens, inciting a citywide, culture-crossing frenzy of cured meats, and side effects like Mario's video stardom, absentee chefs and pop goes the Food Network.


text:
Did you mean firstname.lastname@example.com ×
✔ » I am over 18. I have read the Terms and Conditions, Privacy Policy, Cookie Policy, I understand & accept them. I also agree to receive email newsletters, account updates, notifications and communications from other profiles, sent by my-casual-date.com.
Warning: This site includes adult chat, erotic videos and other explicit sexual material.You must be 18 or older to proceed. All members on this site are 18 or older. All models on the site are 18 or older.


text:
Americans spend more than $2 billion each year on sleep-aiding medications. Sleep is supposed to be a natural process. What's going on? There are many issues in the way of getting a good night's sleep. Daily stresses - work problems, financial difficulties, family challenges - can all keep a person up at night. We rehash what was said over and over again, or we endlessly review the problems confronting us, creating more anxiety and worry while the minutes and maybe even hours tick away.
Eating late at night - particularly fat-filled foods and snacks - may also interfere with a person's ability to fall asleep and sleep restfully. Late night meals engage all the resources of your digestive system - your body is actually doing a lot of work when it's supposed to be resting. Not good. And, of course, a lot of this late night food is stored as fat, creating additional problems.
Not enough exercise also contributes to lack of restful sleep. When you're doing vigorous physical work, your body needs to recover. Sleep allows your body to repair and rebuild, getting stronger in the process. Regardless of one's stresses and worries, vigorous exercise makes a physical demand on your body that will put you right to sleep.
If you're not exercising regularly, this strong physiologic need for deep rest is missing, and you'll likely be tossing and turning the night away.
Old, soft, lumpy mattresses are another potential sleep-disturber. But too-firm mattresses may also cause problems. A good mattress is supportive and comfortable - it "gives" in all the right places and provides a balanced, springy platform for a restful night's sleep. The solutions are straightforward and none of them involve medication. Regular exercise is the key ingredient. With consistent exercise, your body's need for sleep will win out over your conscious mind's automatic mechanism of repeatedly processing the day's events.
Chiropractic care may be another key ingredient. Gentle chiropractic treatment ensures that all your body's systems are talking to each other and the right messages are getting through. Chiropractic treatment ensures clear communication from one body system to another. Late at night, systems shut down when they're supposed to and the result is a good night's sleep. Your chiropractor will be glad to provide you with important information on customized exercise and nutrition programs that will help you continue to be healthy and well.
1Richardson GS: Human physiological models of insomnia. Sleep Med 8(Suppl 4):S9-S14, 2007
2Lee YC, et al: Lifestyle risk factors associated with fatigue in graduate students. J Formos Med Assoc 106(7):565-572, 2007
3Li F, et al: Tai chi and self-rated quality of sleep and daytime sleepiness in older adults: a randomized controlled trial. J Am Geriatr Soc 52(6):892-900, 2004
Getting a Good Night's Sleep
- Created in Newsletter Library, Healthy Tips


text:
Showing Collections: 1 - 1 of 1
James H. LeVan Papers (1922-1992)
Identifier: SC MS 0079
The collection contains some Lehigh University class notes and syllabi, and a notebook of material as Class Correspondent for the Class of 1926. The rest of the material concerns his career in the U.S. Public Health Service. Papers he wrote, notebooks of material regarding promotions and assignments, and his retirement files, and scrapbooks are included.
Found in:
Lehigh University Special Collections


text:
Thank you for visiting our website.
Brown, Rogers & Company, P.A. is a full-service accounting firm serving clients throughout the Little Rock area, dedicated to providing our clients with professional, personalized services and guidance in a wide range of financial and business needs.
On this website, you will find information about Brown, Rogers & Company, P.A., including our list of services. We have also provided you with online resources to assist in the tax process and financial decision-making. These tools include downloadable tax forms and publications, financial calculators, news and links to other useful sites. Whether you are an individual or business in or around Little Rock, Brown, Rogers & Company, P.A. has years of valuable experience assisting professionals with their accounting needs.
We welcome any questions or comments you may have. Feel free to contact us at any time:
You can also send us a message directly through the contact page of this website.


text:
Shade 17-inch with Gold, White Shade 17-inch with Gold, White
Every Villa & House piece lights up a room with luxurious style, especially our wide selection of artisanally crafted lamps. From colorful glazed porcelain to gilded finishes, our unique lighting solutions are set to meet the needs of every individual's taste and interior scheme. Our signature shades pair perfectly with each decorative piece, embracing classic simplicity to complement all of our lamp designs. Subtle variations in size and tapering ensure you find the ideal topper for your space and lamp style. Choose between light paper or white linen with gold or nickel hardware.
- 15w x 17d x 11h
- Laminated Linen
- Brass Hardware
This is a test shipping instruction phrase
This item is UPS-able
Villa & House products are crafted using natural materials and heritage techniques. Products may have natural variations such as knots or graining, and may exhibit characteristic signs of an artist's hand. We consider these the proud hallmarks of natural materials and of hand-craftsmanship which contribute to the uniqueness and beauty of our pieces.
Our items come from different producers in different countries, so all colors may not match across lines: for example, the shade of white in one collection may be creamier or brighter than the shade of white in another collection. Additionally, we continuously improve the design, make, and finish of our products. Therefore, items from different production runs may vary slightly.
To match a previously ordered piece, please review the product images on our website and confirm that dimensions and other specifications have not changed. You may also contact customer service to inquire whether more pieces from the same lot as previously ordered are available.
We try very hard to supply tools that help customers envision products as they will appear in your home. However, photographs are approximations and colors vary on different monitors and printers.
Coordinates With


text:
"Aerial Robots with Rigid/Elastic-joint Arms: Single-joint Controllability Study and Preliminary Experiments", in 2016 IEEE/RSJ Int. Conf. on Intelligent Robots and System, Daejeon, South Korea, 2016, pp. 1667-1672. preprint-pdf (482.67 KB)
, "Design, Identification and Experimental Testing of a Light-Weight Flexible-joint Arm for Aerial Physical Interaction", in 2015 IEEE Int. Conf. on Robotics and Automation, Seattle, WA, 2015, pp. 870-876. preprint-pdf (1.28 MB) video (10 MB)
, "Differential Flatness and Control of Protocentric Aerial Manipulators with Any Number of Arms and Mixed Rigid-/Elastic-Joints", in 2016 IEEE/RSJ Int. Conf. on Intelligent Robots and System, Daejeon, South Korea, 2016, pp. 561-566. preprint-pdf (1.94 MB) tech_report-pdf (1015.82 KB) video (5.4 MB)
, "Dynamic Decentralized Control for Protocentric Aerial Manipulators", in 2017 IEEE Int. Conf. on Robotics and Automation, Singapore, 2017, pp. 6375-6380. preprint-pdf (3.63 MB) video (8.49 MB)
, "A Nonlinear Force Observer for Quadrotors and Application to Physical Interactive Tasks", in IEEE/ASME International Conference on Advanced Intelligent Mechatronics, Besançon, France, 2014, pp. 433-440. preprint-pdf (1.11 MB)
, "Reshaping the Physical Properties of a Quadrotor through IDA-PBC and its Application to Aerial Physical Interaction", in 2014 IEEE Int. Conf. on Robotics and Automation, Hong Kong, China, 2014, pp. 6258-6265. preprint-pdf (553.49 KB) video (7.15 MB)
, "Aerial Physical Interaction via IDA-PBC", The International Journal of Robotics Research, vol. 38, no. 4, pp. 403–421, 2019. preprint-pdf (7.38 MB) video (14.22 MB)


text:
And now, the list (which has no particular order):
BrE | AmE | |
aubergine | eggplant | |
courgette | zucchini | |
rocket (sometimes roquette) | arugula | |
mange tout | snow peas/sugar peas | |
spring onion | green onion/scallion | |
swede | rutabaga | |
beetroot (treated as a mass noun) | beet (count noun) | |
sweetcorn | corn | |
chicory | Belgian endive | |
pepper (sweet pepper if it's not green; one occasionally hears the AusE capsicum) | (bell) pepper | |
chick-pea | chickpea/garbanzo bean | |
haricot bean | navy bean | |
broad bean | fava bean | |
runner bean | string bean | |
cos lettuce | romaine lettuce |
In addition, some names for groups of vegetables are different. BrE pulses = AmE legumes (though, technically, legume is a broader category). In AmE I'd refer to cruciferous vegetables, meaning broccoli and cauliflower collectively, but in BrE I hear Brassica, the Latin name of the family (which includes cabbage and Brussels sprouts).
Squash are another matter. One easily finds acorn and butternut squash (and courgettes/zucchini) in both countries, but otherwise the varieties of squash tend to be different. Marrows will be known to fans of Wallace and Grommit, but the term is not much used in the US. It refers to "any of various kinds of squash or gourd which are chiefly the fruits of varieties of Cucurbita pepo, eaten as a vegetable; esp. one of the larger round or cylindrical kinds with green, white, or striped skins and greenish-white or (occas.) yellowish pulpy flesh" (OED June 2008 draft rev.), so courgettes/zucchinis are technically small marrows. In the UK I've never seen what we call summer squash* (aka yellow squash--is this a regional difference? Not sure) or spaghetti squash (which was something of a fad in the US in the 1970s, I think, but I haven't seen it lately). The OED lists pattypan (squash) as 'chiefly N. Amer.', but I've only seen it for sale in the UK and South Africa. Pumpkin is generally only used of the orange-rinded variety (for making jack o'lanterns) in AmE, but in BrE the term applies more generally to gourd-y squashes with orange flesh. (Jack-o-lantern pumpkins have become more available in the UK as Halloween celebrations have become more popular.)
The British talk about more kinds of shelled peas (garden peas, petits-pois [for younger, sweeter peas]) than Americans do. (Click on the link for the mushy variety.)
As can be seen in the examples presented here, BrE tends to be more influenced by French and AmE shows some Italian influence, which is not surprising since Britain has a lot of contact with France and its cuisine, and popular cuisine in the US has been greatly affected by Italian (and other) immigrants. Those who read Menu Italian may not recogni{s/z}e arugula for Italian rucola, but arugula was the dialectal version of the word that immigrated to America. (Just as rutabaga is not the general Swedish word for that kind of turnip, but a dialectal term for it. Click on the link above for more on that.)
I await the first comment that points out a completely obvious one that I've left off the list!
*Summer squash for me has two meanings. Either the general term that refers to any thin-skinned squash, or the specific one that refers to yellow squash that are picked at the same time as courgettes/zucchini.


text:
Young Researchers Forum
Come Let's Bring a Transformation in the Scientific Society
The Young Researchers Forum offers young researchers the possibility to meet and discuss research topics and methodologies, share and develop ideas, learn from each other and gain knowledge from senior researchers.
Young Researcher Sessions are organized at the Asia Pacific Oncologists 2021, to provide a unique platform for Young Researchers/Investigators for presenting latest research projects with an in-depth analysis. OMICS International cordially invites Young Researchers from Universities/Institutes/Industries to present a short oral presentation during the forum. These oral presentations should be of 10 minutes duration in related scientific track followed by 5 minutes question hour. Therefore, presenters are encouraged to give comprehensive and dynamic talks. Applications will be selected based on past research productivity and future promise.
Guidelines for Young Researchers Forum
- Showcase your research through oral presentations.
- Learn about career development and the latest research tools and technologies in your field.
- This forum will give pertinent and timely information to those who conduct research and those who use and benefit from research.
- Develop a foundation for collaboration among young researchers.
- The forum will provide an opportunity for collegial interaction with other young investigators and established senior investigators across the globe.
- Interact and share ideas with both peers and mentors.
- Opportunity for young researchers to learn about the research areas of their peers to increase their capacity as multidisciplinary researchers.
- Actively distribute information and promote the benefits of education and career matters.
- Young Investigators (e.g. Post-Graduate students, Post-doctoral fellows, Trainees, Junior faculty) are the focus of this event.
- The topic must fit into scientific sessions of the conference.
- Each individual participant is allowed to submit only one paper (as first author or co-author).
- None of the authors should have senior position or faculty position.
- Participants should be below the age of 33 years.
- All submissions must be in English.
- Opportunity for young researchers to learn about the research areas of their peers to increase their capacity as multidisciplinary researchers.
- Actively distribute information and promote the benefits of education and career matters.
The prize winning papers will be considered for publication in the OMICS Publishing Group journals once the paper is subjected to standard review procedures.
Candidates applying for the Young Researcher Award should send their resume, and a letter of recommendation (from a research adviser for students or a senior faculty member) to firstname.lastname@example.com along with the online application form below.


text:
Porcelain Mr & Mrs Egg Cups in a box
Egg cup set-Mr & Mrs
In stock
UK Royal Mail Standard
Unless you specify otherwise your order will be dispatched within 24 hours by Royal Mail 2nd Class Service. Typically you need to allow three to five working days for delivery and bear in mind that your parcel may need to be signed for.
UK Royal Mail Guaranteed Next Day
Alternatively if your order is more urgent, you can specify
Royal Mail Special Delivery.
Under this service parcels will be delivered by 1pm the following day if the order is received by us before 12pm (noon) Monday to Friday. Orders placed on a Friday will of course not be delivered until Monday at 1pm (Excludes weekends & Bank Holidays). If speedy delivery is important to you we advise that you call us on 01530 560386 so that we can confirm that we can deliver to your requirements.


text:
We stand behind all our products and are confident that they will perform as designed. If you are not 100% satisfied with one of our products purchased directly from L.L.Bean, you may return it within one year of purchase for a refund. After one year, we will consider any items for return that are defective due to materials or craftsmanship.
For details, please refer to our Return Policy.
Return Policy
If you are not 100% satisfied with one of our products purchased directly from L.L.Bean's website, stores or catalog, you may return it within one year of purchase for a refund. (Please note that products purchased before February 9, 2018, are not subject to this one-year time limit.) After one year, we will consider any items for return that are defective due to materials or craftsmanship.
We require proof of purchase to honor a refund or exchange. If you provide us your information when you check out, we will typically have a record of your purchase. Otherwise, we require a physical receipt.
Please include your proof of purchase with the products you wish to return or exchange and bring it with you to any of our stores, or include it in your package of returned item(s). We will reimburse the original purchase price to either your original method of payment or as a merchandise credit.
Gift Returns
We are happy to accept gift returns within one year of purchase when you provide proof of purchase (i.e. a gift receipt), in which case a merchandise credit will be issued for the original selling price. If you don't have a gift receipt, we will still accept your return if the item is unused and unworn with the original packaging, and you will receive a merchandise credit for the last known selling price.
Special Conditions
To protect all our customers and make sure that we handle every return or exchange with reasonable fairness, we cannot accept a return or exchange (even within one year of purchase) in certain situations, including:
- Products damaged by misuse, abuse, improper care or negligence, or accidents (including pet damage)
- Products showing excessive wear and tear. Products differ, but generally, wear and tear is considered excessive if the product is nearing the end of its practical use, or just looks heavily-worn
- Products lost or damaged due to fire, flood, or natural disaster
- Products with a missing label or label that has been defaced
- Products returned for personal reasons unrelated to product performance or satisfaction
- Products that have been soiled or contaminated, until they have been properly cleaned
- Returns on ammunition either in our stores or through the mail
- On rare occasions, past habitual abuse of our Return Policy
- Products purchased from third party sellers (Items purchased at one of our retail partners must be returned to them and are subject to their return policies).
Service Plans
Service Plans are available for L.L.Bean Fly Rods, L.L.Bean Waders and select L.L.Bean Boots for situations beyond those covered by our Return Policy.
We want to make returns and exchanges easy for you. START HERE


text:
Christmas Lights Leggings
Four-Way Stretch
No matter what direction you move in, the fabric moves with you.
Comfortable Waistband
Lies Flat Against Your Skin And Won't Dig In
Soft Material for a Hugged Sensation
It Holds You Close And Moves With You. Soft high-quality fabric. 82% polyester,18% spandex.
Squat Proof
You can feel safe and confident when you bend or squat, they will not† be see through.
100% hand made
Great level of care and quality goes into each handmade piece while we design it, print, cut and sew your items by hand.
UV protected activewear
Designed to protect your skin from harmful UV rays! UPF40+.


text:
We prefer to ship seedlings. The mature plants photo are representatives.
Epipremnum silvaticum is species of climbing perennial of lowland swampy forest of Sumatera. It is flowering plant in Araceae family that rarely available in the market. It has slender elliptic leaf that can grow up to 20cm with mostly silver to light green color. One of the rarest aroid available in the market.
50% to 70% light intensity and brilliant indirect light are needed.
Requires 50% up to 80% room humidity, temperate climate between 68°F to 77°F is needed for better grows
Water well on dry/summer every 5 days, please wait until top 3inches soil are dry. Once the watering habit are established for maximum grows, this plant can thrive for very long time. Wait for longer gap between watering in winter as most of the wild specimen has it's habit on defending its life by dormancy. Make sure your plant medium get fairly dry.
Requires well balanced acidity soil (6.5 to 7 pH) with well drained substrate that rich in organic matters
Balance nutrients is needed, macro and micro nutrients for easy growing experience.
Vegetatively propagated succesfully by stem cuttings.
Difficulty level
This selected specimen is an easy-to-care plant, once it's acclimated well to its new environment it will thrive with the right nurturing habits.
Pet friendly
This plants sap contains calcium oxalate crystals that could cause skin irritation, and dangerous if diggest. Please be advice to keep it away from you lovely pets.
Environmental threat
Most plants have their defense mechanisms to survive environmental threats happened. It has significant responses to its original habitat. It is considered rare in natural habitats due to habitat loss from human activities.
Tropical rainforest mainly on wet tropical biome
Elevation Limits (Meter above sea)
0 - 20
Right after you submit the order & contact information, we immediately issue an export permit to the Ministry of Agriculture. This export permit is a compulsory document for phytosanitary requirements. This process usually take 2-3 weeks.
Hygiene assurance
We make sure your plant is free from pest & disease through a laboratory observation and issue the phytosanitary certificate after the inspection.
Phytosanitary document is a compulsory document for all overseas live biota shipping to ensure its hygiene. This process could take up to 7 days.
We ship your plant along with the necessary documents with the help of the logistic service.
This process timeline is vary depends on the designated country.
Once your plants arrive, please make sure to take care of a just-arrived plant.
Also if you need extra help, we will gladly help you!
Shipping to the USA
Shipping over 12 pcs of plants to the USA required an import permit. If your plant order is above 12 pcs. Please submit your import permit to our email
For more information for Import Permit details please go to this site:
ETA: 6 - 10 days
Shipping to Canada
The buyer is required to provide an import permit for shipping to Canada. Please submit your import permit to our email
ETA: 6 - 14 days
Shipping to the UK (and some European countries)
The buyer is required to provide a PEACH document (Procedure for Electronic Application for Certificates) from the UK government. For more information please go to this site:
ETA: 6 - 14 days
Shipping to Europe
Many countries in Europe have different regulations, kindly take a look at your local authority for plant import information.
ETA: 6 - 14 days
Shipping to Singapore
Shipping over 3 pcs required as an import permit. Please submit your import permit to our email
For more information for Import Permit details please go to this site:
ETA: <7 days
Shipping to Philippine
Shipping over 3 pcs required as an import permit. Please submit your import permit to our email
For more information for Import Permit details please go to this site:
ETA: <10 days
Shipping to Thailand
ETA: <5 days. At a good rate, it can arrive in 1 day.
For other countries
please check the customs or ministry of Agriculture policy in your country. Nusaplant will assist you with this particular process
*ETA (estimated time of arrival) of the plant shipping is the estimated time required for the shipping vendors after we sent it
For custom clearance
Some regions require taxes to be paid by the buyer for customs clearance, the amount depends on the destination country. Customs will retain the plants if it is not fulfilled, please check & fulfill the request from the custom in your country, which is usually sent by email
We have a 3-day return policy, which means you have 3 days after receiving your item to request a return.
To be eligible for a return, please provide a clear photo or video as proof of the damaged plant with the phytosanitary or proof of purchase.
You can always contact us for any return question at email@example.com or whatsapp +62 857-7711-1777
You will be given 2 options for your damaged plant:
Refunds are only available for plants that have been completely damaged. (leaves, stems, and roots). Leaves only damaged plants will not be refunded. The buyer is prohibited from reporting complaints to any media. The warranty is void if the buyer does a negative campaign.
Leaves damage is common for the plant to be 'tortured' due to shipping across nations, however, worries not, with the right treatment, your plant will recover before you know it. You can follow our standard procedures here to help your plant to recover, please contact us for the plant care guide from our horticulturist.
Warranty void if the package retains by the custom by more than 3 (three) days.
Item | Price | Qty | Total | |
Subtotal |
Rp 0,00 |
Shipping | ||||
Total |


text:
Download The GII-GRIN Conference Rating 2015 (Excel .xlsx file) - last updated: January, 24th 2015 |
This initiative was sponsored by GII (Group of Italian Professors of Computer Engineering) and GRIN (Group of Italian Professors of Computer Science). The goal is to develop a unified rating of computer science conferences. The process is organized in two stages. At Stage 1 a joint committee of GII and GRIN members was asked to put together a rating algorithm based on well-known, existing international classifications. During Stage 2 the rating generated by the algorithm will be submitted to the two communities (GII and GRIN), to be revised and corrected based on their feedbacks. This site reports the result of Stage 1 of the process. For details about the rating algorithm, see the Conference Rating 2015 description page.
Additional materials
- A collection of comments to this proposal sent to the Joint Committee by GII and GRIN members (in italian)
- A response to the comments by the GII-GRIN Joint Committee (in italian)
- The Joint GII-GRIN Meeting - Rome, March 5th, 2015 (in italian)


text:
Extra Super Cialis is indicated for the treatment of erectile dysfunction.
Use Extra Super Cialis as directed by your doctor.
- Take Extra Super Cialis by mouth with or without food.
- For use as needed: Take Extra Super Cialis at least 30 minutes before sexual activity, as directed by your doctor. Extra Super Cialis may work for up to 36 hours after you take it.
- For daily use: Take Extra Super Cialis regularly at about the same time each day.
- Check with your doctor before you eat grapefruit or drink grapefruit juice while you are taking Extra Super Cialis.
- For use as needed: If you miss a dose of Extra Super Cialis and you still intend to engage in sexual activity, take it as soon as you remember. Continue to take it as directed by your doctor. For daily use: If you miss a dose of Extra Super Cialis, take it as soon as possible. If it is almost time for your next dose, skip the missed dose and go back to your regular dosing schedule. Do not take 2 doses at once.
Please take the medication exactly as prescribed by your doctor.
Store Extra Super Cialis at 77 degrees F (25 degrees C). Store away from heat, moisture, and light. Do not store in the bathroom. Keep Extra Super Cialis out of the reach of children and away from pets.
Active Ingredient: Tadalafil and Dapoxetine.


text:
There are three different terms used to define substance-related disorders, including the following:
Substance abuse. Substance abuse describes a pattern of substance (drug) use leading to significant problems or distress such as failure to attend school, substance use in dangerous situations (driving a car), substance-related legal problems, or continued substance use that interferes with friendships and/or family relationships. Substance abuse, as a disorder, refers to the abuse of illegal substances or the abusive use of legal substances. Alcohol is the most common legal drug of abuse. People can often stop substance abuse on their own or with a little help when they realize it is interfering with their life.
Substance dependence. Substance dependence describes continued substance abuse, even after significant problems in everyday functioning have developed. Signs include an increased tolerance or need for increased amounts of a substance to attain the desired effect, withdrawal symptoms with decreased use, unsuccessful efforts to decrease use, increased time spent in activities to obtain substances, withdrawal from social and recreational activities, and continued use of a substance even with awareness of physical or psychological problems encountered by the extent of the substance use. People often need professional help when they develop substance dependence.
Chemical dependence. Chemical dependence is another term used to describe the compulsive use of chemicals (drugs or alcohol) and the inability to stop using them despite all the problems caused by their use.
Substances frequently abused by adolescents include, but are not limited to, the following:
Prescription drugs
Anabolic steroids
Cultural and societal norms influence acceptable standards of substance use. Public laws determine the legality of the use of substances. Substance-related disorders in adolescence are caused by multiple factors including genetic vulnerability, environmental stressors, social pressures, individual personality characteristics, and psychiatric problems. However, determining which of these factors are most to blame in adolescent populations has not been determined.
Parental and peer substance use are two of the more common factors contributing to youthful decisions regarding substance use.
Some adolescents are more at risk of developing substance-related disorders, including adolescents with one or more of the following conditions present:
Children of substance abusers
Adolescents who are victims of physical, sexual, or psychological abuse
Adolescents with mental health problems, especially depressed and suicidal teens
Physically disabled adolescents
The following behaviors may indicate an adolescent is having a problem with substance abuse. However, each adolescent may experience symptoms differently. Symptoms may include:
Getting high on drugs or getting intoxicated (drunk) on a regular basis
Lying, especially about if and how much they are using or drinking
Avoiding friends and family members
Giving up activities they used to enjoy such as sports or spending time with nonusing friends
Talking a lot about using drugs or alcohol
Believing they need to use or drink in order to have fun
Pressuring others to use or drink
Getting in trouble at school or with the law
Taking risks, such as sexual risks or driving under the influence of a substance
Suspension from school for a substance-related incident
Missing school due to substance use and/or declining grades
Depressed, hopeless, or suicidal feelings
The symptoms of substance abuse may resemble other medical problems or psychiatric conditions. Always consult your adolescent's doctor for a diagnosis.
A pediatrician, family doctor, psychiatrist, or qualified mental health professional usually diagnoses substance abuse in adolescents. However, adolescent substance abuse is believed by some to be the most commonly missed pediatric diagnosis. Adolescents who use drugs are most likely to visit a doctor's office with no obvious physical findings. Substance abuse problems are more likely to be discovered by doctors when adolescents are injured in accidents occurring while under the influence, or when they are brought for medical services because of intentional efforts to hurt themselves. Clinical findings often depend on the substance abused, the frequency of use, and the length of time since last used, and may include the following:
Weight loss
Constant fatigue
Red eyes
Little concern for hygiene
Specific treatment for substance abuse/chemical dependence will be determined by your adolescent's doctor based on:
Your adolescent's age, overall health, and medical history
Extent of your adolescent's symptoms
Extent of your adolescent's dependence
The substance abused
Your adolescent's tolerance for specific medications or therapies
Expectations for the course of the condition
Your opinion or preference
A variety of treatment programs for substance abuse are available on an inpatient or outpatient basis. Programs considered are usually based on the type of substance abused. Medical detoxification (if needed, based on the substance abused) and long-term follow-up management are important features of successful treatment. Long-term, follow-up management usually includes formalized group meetings and age-appropriate psychosocial support systems, as well as continued medical supervision. Individual and family psychotherapy are often recommended to address the developmental, psychosocial, and family issues that may have contributed to and resulted from the development of a substance abuse disorder.
There are three major approaches used to prevent adolescent substance use and abuse, including the following:
School-based prevention programs. School-based prevention programs usually provide drug and alcohol education and interpersonal and behavior skills training.
Community-based prevention programs. Community-based prevention programs usually involve the media and are aimed for parents and community groups. Programs, such as Mothers Against Drunk Driving (MADD) and Students Against Drunk Driving (SADD), are the most well-known, community-based programs.
Family-focused prevention programs. Family-focused prevention programs involve parent training, family skills training, adolescent social skills training, and family self-help groups. Research literature available suggests that components of family-focused prevention programs have decreased the use of alcohol and drugs in adolescents and improved effectiveness of parenting skills.


text:
Google is the world's most popular search engine. Long gone are the days of using phone books and the yellow pages to search for local businesses in your area. Thousands upon thousands of people in Arizona use Google daily to search for local restaurants, local services, local products, and local businesses in the valley to meet their needs. These are customers already interested, taking action, and ready to buy using Google to search for your services and ready to do business with you… but there's just one problem. Are you even showing up organically in the Google Maps search results? Do you have an optimized Google My Business Listing with great reviews, consistent and updated business info, and content rich descriptions with your keywords strategically placed in your GMB listing? Were you even aware that you could leverage Google to increase your business's online presence and drive direct traffic & sales to your business? Think about all that online traffic that you're currently missing out on and imagine an optimized GMB listing causing your phone to ring with fresh new leads if you were ranked in the top 3 Google Map Pack? How would you like to get your business ranked in Google's Top 3 Map Pack, completely hands free, while seeing HUGE returns of investments with an effective GMB SEO Campaign?
Most of the online traffic that is coming from local products, local businesses, and local services right now is coming from Google. Stop trying to optimize your Google My Business listing yourself! Smart business owners know their time is better spent working on the actual business – performing tasks focused on growing the business in the mid to long-term -rather than working in the business – doing the actual manual tasks that just slows you down as a business. Also, ranking in the 3 pack is becoming more and more difficult if you are not using advanced strategies. We take the best strategies and tactics from industry-leading GMB optimization campaigns designed for total domination for 3 pack listings.
Here are some examples of what GMB SEO can do for your business:
Let's be honest here. When was the last time you went to the second page of Google to find what you were searching for? Most all of the search traffic are generated on the front page in the Google Map Pack or organically. Don't take our word for it, check out this awesome GMB 3 Pack Case Study by Moz.com. When you investing in your GMB search engine optimization, you are making a direct investment in it's visibility and profitability on the web. This is why SEO is so important, no matter what your business does. And based on the way search engines are developing, it's unlikely that SEO will lose importance any time soon.
Everybody LOVES instant results. Pay a fee, get your business ranked on the first page of Google, and get all the leads and sales that your business can possibly handle. What a glorious day that will be. However, in the SEO world, instant results are a mere myth thanks to Google's Algorithm. The way that Google's Algorithm is set up is that it RANKS Websites and GMB Listings for Quality OVER Quantity. SEO is an investment, a marathon (not a sprint), and takes time for the work to be manifested onto Google by following our strategic AND effective strategies. To see a blueprint or what to expect when you purchase our GMB SEO package, please see the chart below!
These are the services and tasks that we implement every month strictly for your 180-day GMB SEO campaigns. It is designed for local competition niches and local metropolitan areas. These GMB SEO strategies are designed for 3 Pack domination.
Month #1
We start your 180 Day Campaign with Keyword Research (We find the top 5 keywords for your niche to help you rank on Google Maps for) and create you a new GMB dashboard. This acts as an additional branded property and interlinks to the GMB listing, the main company website, and selected brand profiles and features a Google Map embed, hours, and NAP information.
Month #2
We continue to optimize your GMB listing while we implement Proprietary Local Link Strategies that will help you increase in local searches and rankings. We also write high-quality articles and press releases written with call to actions and complete with company information and keywords for your GMB listings. We are using this article similarly to the original GMB descriptions where we highlight the location and geo-area as well as the brand's services and contact information.
Month #3
Tasks include Optimizing Title Tags, Metas, H1 and H2 Tags, Image Alt Text, Inner Linking Structure and Anchor Text, Outbound Link Structure and Anchor Text, Create and Validate Organizational Schema Script and Implement our TF-IDF Action Plan on the target page.
We further optimize the local business JSON markup, Google Maps embed, local relevancy linking, NAP and hours, and a store locator feature.
Month #4
We create 40 additional citations based on your location and niche to further round out the brand's digital presence. These are manually built business listings with complete details filled out and a careful attention to the company NAP and information.
Month #5
Geo-Networks create local relevancy for a brand, a key ranking factor in the local search algorithm. These networks can help make the difference is high competition niches and large metro areas that now have an infinite number of map pack based on searcher proximity.
Month #6
We create top quality content for the geo-network, specifically discussing the location and combine this with our proven link strategy designed to funnel massive geo-relevance to any brand.
Yes absolutely! We provide an automated PDF workbook report that is emailed out to your business email that you ordered with at the beginning of each month. This report shows the progress each month along with links to each of that month's deliverables. Additionally, we provide an advanced Local SEO Audit at the start of the project and upon project completion which highlights the company's increased online presence.
Plain and simple, GMB SEO takes time. It takes time to research your market and industry. It takes time to perform the necessary analyses. And it takes time to produce quality content, citations, and implementing our proven tactics to boost your rankings. And that's just on our side of things. It takes time for Google to recognize your GMB listing and assign it the authority it deserves. It takes time for it to see that changes have been made, compare the quality of your GMB listing and your content to everyone else in the same space. It even takes time for user behavior to change. They'll need a while to discover that things on your site have changed. HOWEVER, Most clients are reporting seeing gains within only days or weeks of the campaigns starting, and they are already getting new leads and sales. We've built a 6 month GMB SEO Campaign Blueprint with some of the best methods for 3 Pack Dominance. Our results always outperform anything you would get from lesser quality providers.
Our 180 Day Campaigns includes: 4 data aggregator submissions (USA). The Top 40 branded social accounts. The top 80 secondary branded web 2.0's, 10 niche network web 2.0's, 15 geo-network web 2.0's, the top 42 national business listings, 6 GPS listings, 120 secondary citations, 15 image citations, and 75 My Map citations.
The more consistent citations you have, the higher you WILL Rank
A consistent NAP (Name, Address, Phone Number) is still very important to local rankings. If your NAP details change during the course of the campaign there will be an additional fee required to change or update any work already completed.
You can only schedule a call via the GMB department's email listed below if you are a current GMB client. We also provide you with two complimentary 15-minute phone calls each month to follow up with you about your GMB SEO Campaign and Listing. Calls must be scheduled by email first and it is only available for existing GMB clients.
If you have any questions before ordering, please email firstname.lastname@example.com.
Skype Calls or Phone Calls For Non Clients Are £100 for 30 minutes and must be paid and scheduled in advance. We understand you are very interested in our GMB SEO services and that SEO may be confusing to understand if you are completely new to the service, but we are a business as well and our time is limited and prioritized on ranking our paying clients GMB SEO services. We cannot educate everyone about GMB SEO and what it does. That's why this page is filled with great content regarding our GMB SEO services and we leave the deciding factor up to you based off the information provided. Thank you for understanding.
We deliver the highest impact for your business!
Keyword Research
GMB Site Creation & Optimization
40+ Strategic Citation Creation Citations
Geo-Networks Creation
Niche Networks Creation
And much more….!
*Included* Website On-Page Optimization
Store Locator, Map Embed, JSON Schema
If you would like to add your business listing to our website please click here or contact us today!
For more information on our listings, advertising, coupons, and mailers, please contact us today!


text:
US federal mediators to join NHL labor talks
Published 9:23 am Tuesday, November 27, 2012
WASHINGTON (AP) — Federal mediators are entering the stalled NHL labor talks, with the season's first 2 1/2 months already lost because of the lockout.
George Cohen, director of the Federal Mediation and Conciliation Service, said Monday the parties had agreed to use the agency. He assigned three mediators to assist negotiations — deputy director Scot Beckenbaugh, director of mediation services John Sweeney and Commissioner Guy Serota — who was removed later in the day because of a Twitter account that may have been tampered with.
The sides are to meet separately with the mediators Wednesday.
"While we have no particular level of expectation going into this process, we welcome a new approach in trying to reach a resolution of the ongoing labor dispute at the earliest possible date," NHL deputy commissioner Bill Daly said.
Cohen has worked with the players' associations for Major League Baseball, helping end the 1994-95 strike as an outside counsel, and the NBA. He was an adviser to the NHL players' union before joining FMCS three years ago.
"We look forward to their involvement as we continue working to reach an equitable agreement for both the players and the owners," said Donald Fehr, executive director of the NHL Players' Association.
Cohen mediated during the 2010 negotiations in Major League Soccer and 2011 talks in the NFL and NBA, along with this year's dispute between the NFL and its on-field officials.
Cohen said Serota was removed because "within one hour after I issued a press release … it has been called to my attention that there are issues involving an allegedly hacked Twitter account associated with Commissioner Guy Serota." He said Serota was removed "to immediately dispel any cloud on the mediation process, and without regard to the merits of the allegations."
Hockey players and management have not negotiated since last Wednesday. The NHL has canceled more than one-third of its regular season, including all games through Dec. 14, the New Year's Day outdoor Winter Classic and the All-Star weekend scheduled for Jan. 26-27 at Columbus, Ohio.
"I have had separate, informal discussions with the key representatives of the National Hockey League and the National Hockey League Players' Association during the course of their negotiations for a successor collective bargaining agreement," Cohen said in a statement.
"Due to the extreme sensitivity of these negotiations and consistent with the FMCS's longstanding practice, the agency will refrain from any public comment concerning the future schedule and/or the status of the negotiations until further notice."
Beckenbaugh was a mediator during the 2004-05 lockout, a stoppage that caused cancellation of the entire season.


text:
We are part of Spring Education Group, a network of more than 230 private schools providing outstanding education for infants through 12th grade across the U.S., internationally and online.
Spring Education Group supports a wide range of schools and educational approaches, strengthening all by sharing our learnings and advancements in educational and operational practices. We seek to ensure superior academic and personal growth outcomes for students and to provide rewarding career opportunities for educators.
For more about Spring Education, visit www.springeducationgroup.com.
Our school does not discriminate in employment or the provision of educational services on the basis of race, color, religion, age, gender, national origin, disability, citizenship status, veteran status or any other characteristic protected by federal, state or local law.


text:
Download Now
View Preview
Sold by themanualmaster on Tradebit
The world's largest download marketplace
3,260,521 satisfied buyers
Kawasaki KLF300 Bayou 300 2x4 & 4x4 ATV (2 Manual Set) Owners & Complete Workshop Service Repair Manual
Kawasaki KLF300 Bayou 300 2x4 & 4x4 ATV (2 Manual Set) Owners & Complete Workshop Service Repair Manual
Thanks for taking the time to look at this Complete Workshop Service Repair Manual
This Downloadable Manual covers every Service & Repair Procedure you will need.
You can now save yourself BIG money by doing your own repairs! This manual makes any service or repair job easy to do with very easy to follow step-by-step instructions & pictures on all areas of servicing & repairs.
Once you have downloaded this manual it is yours to keep forever. You can print out one page, chapter or the whole thing. You can also download it to your tablet or smart phone if required.
All Models/Engines/Trim/Transmissions Types Are Covered.
This high quality Service Repair Workshop Manual covers all repair procedures A-Z.
Every repair and service procedure is covered.
This Downloadable Manual will work on All PC & MAC Computers, tablets, mobile phones Etc. The only software needed is adobe reader which in most cases is already loaded onto your computer, if not can be downloaded for free.
This manual will be instantly emailed to the email address you used when checking out after receiving your payment by Visa, MasterCard or PayPal.
Customer Satisfaction Guaranteed.
File Data
This file is sold by
, an independent seller on Tradebit.
Contact themanualmaster
More Files from themanualmaster
File Size
1 megabytes
File Type
Our Reviews
© Tradebit 2004-2024
All files are property of their respective owners Questions about this file?
Contact themanualmaster
DMCA/Copyright or marketplace issues?
Contact Tradebit