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1 packet of Curry Laksa Paste
1 can of coconut milk
2 cups of bean sprouts – remove the roots
20 pcs of shrimps – peel and deveined
12 pieces of tofu puffs – wash and squeeze out the oil
Some fish balls/shrimp balls or fish cakes
A small bunch of long beans – cut into 1" length
4 hard boiled eggs
A packet of yellow noodles
Salt and sugar to taste.
1. Boil some water in a medium size saucepan and blanch the bean sprout for 20 seconds. Remove and blanch the noodles for 1 minute. Remove and drain.
2. in a big pot, bring 1000 ml water to boil. Add in the paste, long beans and cook on medium heat for 5 minutes. By this time you can see some oil floating on the top of the broth. Remove some of it.
3 Add in the fish/shrimp balls, prawns, tofu puffs. Let the soup simmer for another 2 minutes until the shrimps is cook and the balls are heated through. Add in the coconut milk. Stir and bring it up to a slow boil and turn off the heat. Check seasoning as you might need to add some salt to it.
4. To serve, put a handful of noodles at the bottom of the bowl, tops it with bean sprouts and eggs. Put in the laksa broth together with shrimps, long beans, fish cakes, fish balls and tofu puffs. Serve warm.
I am submitting this dish to Muhibbah Malaysian Monday blog event. Find out more on this here

subset: commoncrawl


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Keeping our teeth their whitest is a lot harder than it sounds. With all the coffee, wine, smoking and other foods that have the ability to stain our teeth on a daily basis, even proper maintenance sometimes leaves them a little lackluster. Teeth whitening is an excellent way to restore the natural color of your teeth or even make them whiter than your natural color if you would like.
To accomplish the whitening of your teeth, we utilize a product called ZOOM!. ZOOM! is a chairside whitening procedure that uses a safe whitening gel and a low intensity light to activate the gel. This combination allows us to provide you with teeth that are 6-10 shades whiter in about an hour!


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Many people purchase life insurance policies to provide for a spouse and children. But what happens if your death arrives while your children are still minors? In that case, the life insurance company cannot pay out benefits until the court appoints a guardian for your minor children. That can be a lengthy process, requiring attorney fees and court costs. Similar problems could arise if your life insurance beneficiary is an incapacitated person.
Naming A Custodian Under The Uniform Transfers To Minors Act (UTMA)
One solution if your beneficiaries are minor children is to name an adult person you know and trust as custodian of your life insurance death benefits under the Uniform Transfers to Minors Act (UTMA). Our experienced agent can help you name a custodian and set up a UTMA account. With these measures in place, if you should pass away when your children are minors, the custodian you named would manage the proceeds of your life insurance policy until your children reach legal age, at which point they will receive the balance of the funds.
Establishing A Trust
A trust can hold money and property for your beneficiaries, and it offers more flexibility than a UTMA account. It can be used to appoint a trustee to oversee your life insurance funds and other assets and to dictate how you want those funds to be used and your assets managed. When you purchase a life insurance policy, instead of naming your children as your beneficiaries, you can name a trust and a trustee.
The legal age of adulthood is 18 or 21, depending on the state. If you have a substantial life insurance policy, you may not want your children to receive that large amount in one lump sum at such an early age, when they lack experience with managing money. This concern can be resolved by establishing a trust to receive the death benefits from your life insurance policy. A trust can be set up to provide for your children, including their college educations, and to distribute the remaining funds to them when they reach a specific age, such as 25 or 30.
Your trust can be revocable or irrevocable. If it is revocable, you are allowed to make changes or terminate the trust during your lifetime. If it is irrevocable, it can help shield your heirs from estate taxes. Generally, federal estate taxes are only a concern for very high-value estates.
Special Needs Trusts For Disabled Beneficiaries
If your child or other life insurance beneficiary is disabled, setting up a special needs trust could be your best option. Disabled individuals may need supplementary financial support throughout their lifetimes. To qualify for government assistance, individuals with disabilities are limited as to the number of assets they can hold in their own names. A special needs trust can hold your life insurance proceeds for a disabled beneficiary without disqualifying that person for assistance from federal and state programs such as Supplemental Security Income or Medicaid.
Article originally posted on www.insuranceneighbor.com(opens in new tab)


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More than 4,000 athletes from 147 countries will compete in the 2012 Paralympic Games in London, where the opening ceremony is being held today. The games, which conclude on Sept. 9, include 20 sports such as cycling, judo and swimming — three sports that will hold medal events when competition begins in earnest Thursday.
Update at 4 p.m. ET: Watch It Live.
We've added a live-streaming link so you can view the opening ceremony on YouTube, above. Our original post continues:
The U.S. contingent of 227 athletes includes 133 men and 94 women, from flagbearer Scott Danberg of Florida to wheelchair racer Tatyana McFadden of Illinois. According to the Team USA site, 20 of the American Paralympians are U.S. military veterans.
Our colleagues at WGBH will be reporting from London as part of their Medal Quest series. We'll highlight some of those stories here on the Two Way over the coming days. The Medal Quest site also includes video profiles of U.S. athletes such as Army veteran Kortney Clemons, who lost part of his right leg to an explosion in Iraq. He'll compete in the 100m, 200m and long jump in London.
Wednesday's Paralympics opener won't quite match the scale of the July 27 Olympics gala that celebrated London's diverse identity and Britain's cultural past. But the event features "a cast of more than 3,000 adult volunteers, 100 child volunteers and more than 100 professional performers" putting on a big show in Olympic Stadium, according to London organizers.
And unlike the Olympics, you can watch the Paralympics online without proving that you're a cable or satellite TV customer. Video of the opening ceremony and other events will be on YouTube, and the Paralympic Movement's site will stream events live.
As USA Today reports, "in the U.S., NBC holds the broadcast rights and plans to show 5½ hours of coverage. None of it will be live."
A record 2.1 million tickets have been sold for the 2012 Paralympics. The global television audience is expected to number around 4 billion viewers.
While the Olympic flame's permanent home is in Greece, the Paralympic flame comes to each competition from a different spot. The 2012 Paralympic flame was lit Tuesday night in Stoke Mandeville, Buckinghamshire, the Paralympics' "spiritual home" where the first large-scale games for disabled athletes were held in 1948.
Because of that connection, the Parlympics is also coming full circle as it takes center stage in London — the games for elite disabled athletes got their start by being paired with the 1948 London Olympics. Back then, they were called the Stoke Mandeville Games for the Paralyzed, and they were primarily a way for Britain's wounded World War II veterans to compete against one another.
The Stoke Mandeville competition was the brainchild of neurosurgeon Ludwig Guttmann, who arrived in Britain in 1939 as a German refugee fleeing the persecution of Jews. Toward the end of World War II, Guttman became the director of the Stoke Mandeville Hospital, which treated many war veterans with spinal cord injuries.
Guttman saw physical activity, and athletics in particular, as a way to help his patients boost their physical and mental strength. He had them play "wheelchair polo" — a game he invented that used a ball and long sticks. But "the players suffered severe injuries most of the times they played, so did not play the game for long," according to one report.
Other less-hazardous sports caught on, such as archery and netball. And they eventually became the nucleus of the Paralympic Games. After 1948, the Stoke Mandeville Games blossomed into a true international event. And in 1960, the competition was opened up to athletes other than war veterans.
Over time, the Paralympics began to be held in the same city as the Olympics (starting with Rome in 1960), and in 1976, more classifications were introduced, to allow athletes with a wider range of physical disabilities to compete in the games.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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This is TELL ME MORE, from NPR News. I'm Michel Martin. Coming up, for years, we've been telling you about the tens of thousands of people who have been killed or kidnapped by the drug cartels in Mexico, but the truth is, nobody really knew how many there were because nobody kept track. This week, the new president of Mexico signed a new law to set up a national registry of victims and to compensate the families. We'll have more on that in just a few minutes.
But first, we want to talk more about the new push to address violence, especially gun violence, closer to home. President Obama launched what is expected to be an aggressive effort yesterday. He announced and immediately signed a list of 23 executive actions, coming just over a month after a shooting at an elementary school in Connecticut that the president has called the worst single day of his presidency.
The president said his efforts were not to be taken as an attack on gun rights, but a call for responsibility.
PRESIDENT BARACK OBAMA: Along with our freedom to live our lives as we will comes an obligation to allow others to do the same. We don't live in isolation. We live in a society, a government of and by and for the people. We are responsible for each other.
MARTIN: The president also offered proposals that require congressional action and called for Congress to move quickly, which is where our next guests come in. They've been following this. We wanted to get their assessment of the politics. Joining us now, Lynn Sweet, Washington bureau chief of the Chicago Sun-Times. Also with us Felicia Sonmez, White House and political reporter for the Washington Post.
Welcome to you both. Thanks so much for joining us once again.
LYNN SWEET: Hello.
FELICIA SONMEZ: Thanks, Michel. Great to be with you.
MARTIN: Lynn, before we get to the politics, just to the substance here. Of those 23 executive actions that the president signed yesterday, which do they consider the most significant?
SWEET: I think the most significant would be any ones that strengthen background checks for any gun buyer. Just so your listeners know, some of the things Obama proposed in the congressional action, they will be so tough to get. So I think of these actions - which, by the way, are not orders. They're just, you know, they're just papers signed to do something. I think anything that encourages states to share information on gun owners helps, because one of the issues is that even if you do a background check, you might not have the information you need to do a thorough job.
MARTIN: And of the actions that the president called on Congress to take, which are the most significant?
SWEET: Well, I think the hardest one - if we could break the categories in that way - would be reinstating an assault weapons ban. The nation had one between 1994 and 2004. It lapsed. There is never way for Congress to pass it again, even though - just think - the first of, let's say, our latest horrible epidemic of mass shootings started in Columbine in 1999, and none of that was enough to get the ban reinstated. That's how tough it is to do that.
So I think that will be tough. There might be more agreement on closing the background check loopholes, including two categories having to do with whether you buy a gun at a show and whether or not you get it through a private purchaser.
Philosophically, it would seem easier because there's no ideological issue anymore on background checks, more or less. I know some people could even counter what I say. Since you have to go through a check at a store, why not just have a check everywhere?
Well, we could devote 20 hours to that, but that is the point - if I'm cutting to the politics - where there might be most agreement. But the issue here is how Congress works, and as you know and your listeners know, you just don't take up each issue as a little bite-sized chunk for an up-and-down vote. Therefore, everything isn't related.
MARTIN: Felicia, you've been covering - you've been getting reaction from members of Congress for the Washington Post. You know, we talked with reporter Paul Barrett yesterday. He's actually in Las Vegas, at what is believed to be the largest gun show in the world, the SHOT show. And he said that, you know, quietly, very quietly, some of the dealers there say that, yes, there seem to - you know, extending background checks, making those universal seems to be logical.
What are the members saying? What are you hearing from members?
SONMEZ: I think, yeah, there are some important distinctions between this current gun debate and let's say the beginning of the last Congress back in January of 2011, when that new Congress was marked by the shooting in Tucson. Back then, after that shooting, one of the responses you saw on Capitol Hill was, you know, very little actual gun legislation being brought forward, but rather members coming together at President Obama's State of the Union address and sitting with members of the opposite party.
This time, again, the president's State of the Union is coming up, and rather than just that kind of show of bipartisanship, you're having some members actually saying - there's about four or five House Democrats urging their colleagues to bring into the chambers someone who has been personally affected by gun violence.
And I think that is sort of an extension of what the president was trying to do yesterday when he brought those four children on stage for his news conference. It wasn't just a matter of let's get this legislation passed. It was more an effort to try to get the public on his side and on the side of gun reform.
So I think, in those respects, you're seeing a little bit of change. But, on the other hand, when you're seeing who actually controls what comes to the floor, as Lynn had mentioned, it's really up to the leaders in each chamber. On the House side, the House Republican Speaker John Boehner has said that he's waiting for the Senate to act on - and see what they can pass.
And over on the Senate side, the Democratic leader over there, Harry Reid, has said he's going to take a backseat on this and let some of his lieutenants like Charles Schumer of New York and Dianne Feinstein of California - the author of the original assault weapons ban - take more of a leading role in this.
So I think that doesn't bode particularly well for some kind of comprehensive plan coming forward. I think if there is any action on this at all, it probably will be in a more piecemeal approach, where you're seeing things such as mental health provisions or the universal background checks provisions. Those are definitely areas where you can have a lot more agreement.
MARTIN: We're talking with Washington Post reporter Felicia Sonmez and Lynn Sweet of the Chicago Sun-Times. We're talking about the new push on gun legislation, or at least a new push on one side. You know, it seems to me that the actions you're talking about seem very nuanced and, at least to my ears, somewhat minimal. But the - how can I put it - the emotion around this issue remains very high.
The NRA, for example, has already launched an aggressive response. Here's a clip from a new ad that the group put forward yesterday, and it focuses on the president's children.
UNIDENTIFIED MAN: He's just another elitist hypocrite when it comes to a fair share of security: protection for their kids, and gun-free zones for ours.
MARTIN: You know, the White House was outraged about this. On the other hand, some people are criticizing the White House because there were children who came to the press conference that the president held to announce his proposals. Now, he said that these were children who had sent letters to the White House who wanted to be heard on this. And he's getting some criticism around that. So, Felicia, do you want to talk about that for a minute?
SONMEZ: Sure. Yeah, I think what's interesting about those children that the White House brought on stage - as you mentioned, they, of their own accord, wrote to the president asking him to do something about gun violence.
And I thought it was an interesting parallel to back when the president signed the national health care reform law, and he had a young boy on stage, an 11-year-old boy who had become a reform advocate after the death of his uninsured mother. I thought that this action yesterday by Obama was in league with that. It was less a - you know, typically children are used in politics as sort of props, or in general any, you know, regular person who stands to be affected by any kind of agenda item will be brought on stage to sort of help the president or whoever make their case.
In this situation, I think it was interesting that it's a shooting that largely - you know, children were the ones most affected by this.
MARTIN: Sure.
SONMEZ: And so the White House, from their perspective, thought that it was fair game to bring on stage some children. I think, you know, it's an open question whether or not they're going to be successful in changing public opinion through doing that.
MARTIN: Lynn, during the president's speech, he also made reference to victims of gun violence ranging from mass shooting to kids on street corners in Chicago. Now, obviously, this is a subject that has to be, you know, pretty personal...
SWEET: Huge.
MARTIN: ...for you, as well. I mean...
SWEET: It's a huge issue...
MARTIN: ...coming from Chicago.
SWEET: ...in the city and, in 2012, there were more than 500 murders in the city and one of the - it's just been a chronic problem. It's been very difficult for Mayor Rahm Emanuel to get his arms around it in a way that can reduce the number of murders, so it's certainly - Illinois is interesting - just to use a case that does not really apply to the rest of the nation - in that, even though you have, you know - in the city, the county - you have an overwhelming support for curbs on guns. Been that way for years. Court cases, battles all over the place. You know, there's been an assault weapon bans in the city forever.
You know, but it's still even tough to get the legislature to do anything, even though that's run by Democrats. So, the points in the president's proposal that would seem most useful to Chicago are strengthening background checks and eliminating straw buyers. Those are the two issues, the two solutions that seem most helpful to the city.
MARTIN: Lynn, just briefly - just in the time we have left, I just wanted to ask you to - and I know this is subjective. Just give us the temperature, I mean, because there's the din of what we hear in public appearances in these ads like we just played, but then there's what members say to each other. What do you - do you have a sense that the conversations that they have behind the scenes are any different from the ones that they're having publicly?
SWEET: Well, I think they - members like to reflect their districts and, since we're close in time, I think that's why this is still going to be a very tough battle in Congress and don't expect anything soon.
MARTIN: And, Felicia, very briefly.
SONMEZ: Yeah, absolutely. I think, if you look at the example of New York as, you know, the most prominent recent example of this, if you're going to try to get any gun-related legislation through, you've got to do it quickly and, as the case on Capitol Hill often is, this type of legislation takes time and the more time and space there is, the more leeway there is or the more, I guess, room there is for the opposition to organize itself against these kinds of measures.
So that's - this Congress has shown that it has trouble doing its even basic functions of funding the government and...
SONMEZ: ...things along those lines. Sorry, go ahead.
MARTIN: Lynn.
SWEET: One quick thing. If it - just think, even a member of Congress, Gabby Giffords, was shot in the head and that didn't even spur her colleagues to take action.
MARTIN: Lynn Sweet is the Washington bureau chief of the Chicago Sun Times. She was kind enough to join us here in our Washington, D.C. studios. Felicia Sonmez is a political reporter for the Washington Post. She's currently covering the White House. She joined us from the Post's studios.
Thank you both so much for joining us.
SWEET: Thank you.
SONMEZ: Thanks so much. Transcript provided by NPR, Copyright NPR.


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Lembongan Island Reviews
5 5stars
OffHotels is not run by people who sit in the office and browse through hotel photos, but by world travelers who have checked into thousands of hotels themselves.
OffHotels owner Stefan travels around the globe visiting every theme and water park for his site 'The Theme Park Guy'. He has stayed in the world's best and worst hotels, in over 150 countries, from Shangri-La to Travelodge, in Hyatts and hostels.
Stefan and his team will make sure that you don't only get the best hotel rate humanly possible, but you'll also receive a competent answer when you ask us a question!
Bookmark OffHotels, you won't regret it!
OffHotels © by Walalah LLC, License No 2113409, Sharjah Media City (SHAMS), UAE
in affiliation with HotelsCombined Pty Ltd, Sydney, Australia & Hotellook, Phuket, Thailand & Booking.com B.V., Amsterdam, The Netherlands


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Free Articles, News, Tips & Support for online auction users worldwide! Your Relaunched Auction Forum Offering Free Online Auction Help & Advice... | |||||||||||
Auctions, Free Auction Tools, Auction News, Free eBay Tools, Free eBay Search Tools, Free eBay Templates Auction forum covering online auctions worldwide. Help, tips & advice covering every aspect of internet auctions. New to online auctions? Visit our eBay forum or find alternative auction sites worldwide. General auction chat forum. Please note that the views expressed on this forum are those of the author and may not reflect the views of the management. Powered by phpBB © phpBB Group Design Style: VTrushkin | View Lo-Fi Version |


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You have reached a page that requires a log in with your email address and password. If you are unsure of the email address we have in your records, please contact Member Services at email@example.com. To learn more about Citygate Networks's website and available resources, view/download the Website How-To Guide. For information about the membership renewal process, view/download the Renewal Guide.
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Then there are the smart alecs:
And we all have those friends who are especially supportive:
All things considered, though, this last cake is definitely the most inconceivable:
Yep, nothing says "Yours is a tragedy that might have been avoided" quite like a cake decorated with real birth control pills. For the women of Oregon! Onward!
Becca S., Lisa S., Ying K., Brittany C., Jenn M., Erin K., & Emily S., this thread on what childbirth feels like is probably the most effective (not to mention hilarious) contraception I've seen.
- Related Wreckage: Mixed Signals
NOTE: No, that last one wasn't really a baby shower cake - but wouldn't it've been funny if it was?


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Tanabe Chiropractic believes in the value of chiropractic care for you and your family toward the goal of achieving total health and wellness. Therefore, we have created a pricing structure that is flexible enough to allow you to get the chiropractic care you need, no matter what your budget. Our chiropractic office participates in most insurance programs, but please call us at (916) 366-8771 if you have any questions about whether you can use your insurance to pay for your chiropractic care. We also accept auto accident and workers compensation cases that result in back pain, headaches or other symptoms which can be addressed with chiropractic care. For patients who have little or no chiropractic insurance coverage, flexible payment programs can be arranged. To learn more about our payment options for chiropractic and wellness care, you can call our Rancho Cordova chiropractic office directly at (916) 366-8771 and one of our friendly staff will be happy to answer all your questions.
Most insurance plans are accepted at our chiropractic office. We accept auto accident, workers compensation, personal injury cases that have resulted in back pain, neck pain, headaches, or other related pain conditions. We also except most health insurance plans, including Medicare. Because there are so many insurance plans out there, and because coverage for chiropractic care varies widely, please call us to find out if your plan covers care in our office. Before you start a chiropractic care plan, our staff would be happy to verify your benefits and explain them to you at no charge.
No Insurance
Our goal at Tanabe Chiropractic is to allow everyone to experience the benefits of chiropractic care and adjustments. For patients who have little or no chiropractic insurance coverage, we can work with you to arrange a flexible payment program that fits your budget. If you have no insurance or if your insurance does not have any chiropractic benefits, there are still ways for you to receive the pain relief and chiropractic care that you need. Many patients choose to pay directly for their visits with the chiropractor, especially as they discover that chiropractic care is actually extremely cost-effective and affordable. For these patients, chiropractic care is often cheaper and more effective than alternative pain treatments such as pain medications or invasive surgery.
Family Plans
Our focus at Tanabe Chiropractic is to actively help you and your family in taking responsibility for your total health, wellness, and disease management. Our chiropractor will assist and guide you as you take the time to care for some of the most important people in your world: you and your family. In an effort to make living the wellness lifestyle as easy and affordable as possible, we can create a customized family chiropractic plan that is specific to you and your family.
Health on a Budget with Chiropractic Care
At Tanabe Chiropractic in Rancho Cordova, we are convinced that chiropractic care will help you stay healthy and pain-free, using only a small amount of your time and money. Our chiropractic health professionals will help you care for your most important asset--your health. We truly believe the prevention is the best cure, and regular chiropractic care will be far less time consuming and expensive than trying to recover from pain or an injury after it's happened. If you feel you do not have enough time or money to take care of yourself, please contact us at (916) 366-8771--we can help! The last thing we want is for you to come to our chiropractic center in crisis. So please, we would like to encourage you to take your health very seriously. As the old saying goes, if you don't have your health, you don't have anything. Unfortunately, too many people don't discover how true that statement is until it is too late.


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Jeffco Public Schools offers half- and full-day preschool programs for three and four year old children throughout the district. Children turning three on or before October 1 are eligible to begin preschool.
All programs are licensed by the Colorado Department of Human Services and meet the Colorado Department of Education Quality Standards for Early Childhood Care and Education Services.
Financial assistance is available for qualifying families.
Our preschool accepts and respects the whole child at his/her developmental stage and cultural background. We provide children opportunities and experiences to grow both academically and socially.
Our preschool staff believe in building a strong foundation of communication among children, parents, community and staff.
Visit the Jeffco Public Schools website preschool page to download the Parent Handbook and Program Brochure.


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For a clean, smooth-pedaling drivetrain, look no further than Finish Line's Ceramic Wax Lubricant. Its ceramic bonding technology allows you to greatly extend your re-lubing intervals for maximum durability and convenience. In fact, every time you apply the lube, it builds on the ceramic coating and the result is a chain so slippery even dirt has a hard time sticking! Think efficient. Think quiet. Think Finish Line!
- With each application the ceramic coating is enhanced, ultimately providing the durability of many oil-based lubricants
- No wetness or stickiness so dirt and grime will not be attracted or absorbed by the lubricant
- Helps avoid abrasive wear allowing parts to run more smoothly and last longer
- As the white ceramic particles embed themselves on the chain they will displace grime, causing a grey or black film to form on top of the wax coating. Over 2-3 applications this will lessen or cease. This discoloration is normal and will not compromise performance.
Part Numbers
Option | UPC | MPN | Store SKU |
2-ounce | 036121006027 | CW0020101 | |
32-ounce | 036121006096 | CW0320101 | |
4-ounce | 036121006058 | CW0040101 | 210000002532 |


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Cool, windy days are no match for this wind shirt. It features raglan sleeves and articulated elbows for greater mobility, elasticized cuffs, convenient side pockets, a drawcord hem with toggle, and a left side-seam zipper that makes it easy to put on and take off. Complete the look with the our wind pants: PST61 or PST74.
Every order is custom printed and personalized to your needs direct from our production facility in Detroit, MI. Items are typically completed within 2-5 business days and then require additional shipping time to reach your location. Bulk orders of 12 or more items will take 4-6 business days for production.


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The Rise of Women Business Owners
The National Foundation for Women Business Owners (NFWBO) identifies trends relating to the small business climate for women. New studies examining the role of female entrepreneurs by the NFWBO have yielded some surprising and eye-opening results.
A joint IBM, NFWBO study of the top fifty women business owners as well as 10 additional "up-and-coming" business owners reached several interesting conclusions. The women in the study covered a diverse array of industry categories including 27% in manufacturing, 25% in retail and 10% in real estate. 46% of the women inherited a business and over 50% started their own businesses, with 34% starting businesses themselves and another 17% starting businesses with others.
A Preference for Flexibility
One key part of the study centered on the fact that women business owners, in general, appear to prefer smaller operations. Among the 8 million women-owned businesses in the U.S., a full 75% are one person operations. Through ownership of these businesses women achieve a high level of flexibility in their work schedules. It is believed that this flexibility improves the odds of women keeping their home lives satisfying and rewarding.
Overall, millions of women are ignoring the notion that small businesses do not equate with success. While NFWBO research indicates that fewer than 1% of small women owned businesses generate over a $1 million in sales, there is no doubt that women are showing their strength in numbers.
Tackling Loan Issues
One major obstacle women business owners have faced comes in the form of bank loan inequities. Recently, for the first-time women owned business are experiencing access to business loans on par with male owners; this may be due in part to the increasing number of women in high bank positions as well as banks now seeing the previously untapped potential of women-owned businesses. The NFWBO has also discovered that women tend to direct loans towards business growth.
Internationally Owned Businesses
On an international scale, the NFWBO studies have shown that women business owners often come from similar backgrounds and express the same concerns regarding business issues. Today, female business owners represent between one-quarter and one-third of the world's independent business owners and have become increasingly vocal as evidenced by female participation at an international conference in Paris sponsored by the Organization for Economic Cooperation and Development (OECD).
A Trend Towards Progress
To date, many obstacles have been overcome. Simply stated, the future looks very bright for women-owned businesses around the globe.
Copyright: Business Brokerage Press, Inc.


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RV Parts Direct Direct is a leading RV Parts Direct provider in Rancho Cucamonga. RV Parts Direct Direct in Rancho Cucamonga is committed to supplying Forest River owners located in Rancho Cucamonga with parts, service and repair at the lowest possible price, and at the highest standard of convienience. We have been in the RV sales, parts, and service business since 1967, so we have been selling and shipping RVs, RV parts, and RV accessories all over Rancho Cucamonga for over 50 years.
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We offer a Free quote and UK design service, get in touch today.
Construction of artificial turf rugby pitches in Balnabruich KW6 6 is very popular. Synthetic grass pitch construction is benefitting sports clubs across the UK offering them a professional surface that meets the RFU (Rugby Football Union) and RFL (Rugby Football League) national governing bodies. With more artificial turf pitch builders that ever in the country, it is important to ensure that the work is completed by an experience contractor to a professional standard.
Artificial rugby surfaces are formed using the latest technology 3G sports carpet containing a sand a rubber infill to replicate the playing characteristics of a natural grass surface. The synthetic third generation surfacing is often laid upon a rubber shockpad which will enhance the player characteristics further including; ball/surface interaction, player/surface interaction and overall safety of the fake grass surfacing. Synthetic turf suppliers can offer a range of specifications to meet different governing body guidelines for safety and performance. If you need more information on suppliers please click here http://www.artificialrugbypitches.com/suppliers/highland/balnabruich/ The construction of artificial turf rugby pitches are taking place all across the UK to increase the amount of play in bad weather conditions. The organisations where the rugby surfacing is most popular include:
Many of the top rugby clubs in Balnabruich KW6 6 and surrounding areas, are now turning to the construction of artificial turfpitches to prevent the postponement of competitive matches and training in wet weather conditions. Artificial grass pitch builder often convert natural grass pitches in stadiums, schools, sport clubs etc. into 3G pitches. This work is completed by excavating down to the required depth, installation of edges haunched on concrete followed by geotextile membrane and MOT type 1 sub base. This creates a porous system which allows the free drainage of surface water into the substrata with the rest being collected by lateral drains running across the pitch into collector drains.
Artificial 0resurfacing play a large role in improving both educational and sports institutions and are the perfect alternative to natural grass pitches which proves hard to maintain year round. We can also offer help with designing and planning the project through pitch consultants in Balnabruich who can talk you through each stage of the work. To learn more about our consultants click here http://www.artificialrugbypitches.com/consultant/highland/balnabruich/ For more information regarding synthetic grass pitch construction or to obtain a free quotation please fill out the contact form on this page. We will be in touch with all the latest 3G surfacing information including costs of material, supply and installation prices along with a breakdown of what is required to construct an artificial rugby surface which meets international standards.
If you are interested in finding out how to build a 3G pitch for rugby use, we follow these steps:
Our specialists can install 3G pitches in Balnabruich and surrounding areas to meet individual requirements and spending budgets. You can find out more about our specifications here http://www.artificialrugbypitches.com/specifications/highland/balnabruich/ We can alter our specifications to suit your needs, so please do not hesitate to contact us if you have specific requests. Our experts will be happy to talk you through the construction process and offer you a quote to build the 3G field.
The cost to build a rugby field near me can alter depending on a number of different factors. The biggest factor which affects the price is the area size. Having a full sized pitch installed will cost more than having a smaller facility constructed. We can alter our specifications to meet your needs; for example you may only have limited space or funds available which is why we can make a smaller version for you. The amount of preparation work will also cause the price to build a field to alter. If the area is already dug out or the MOT type 1 is already in place, the cost to prepare the surface will be cheaper, meaning the overall construction will be less costly.
We try to keep our prices as low as possible, however we only use premium materials and we carry out our work to the highest possible standard; this means that we may not be the cheapest contractors out there, but we strive to be the best. If you would like a quote on the installation of artificial rugby fields in Balnabruich KW6 6 , please fill in our contact form and we will get back to you as soon as possible.


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Kuddiram is a village in the Amadalavalasa Mandal of Srikakulam District in Andhra Pradesh. Kuddiram is at a distance of 5 km from the regional center of Amadalavalasa Mandal. According to the 2011 Indian Census, the village has 222 houses and a population of 745, spread over 168 hectares with 365 males and 380 females in the village. Kuddiram has one government primary school, one government upper primary school and one government secondary school. The nearest Junior College, Science and Arts Degree College, Polytechnic College, Engineering College and Medical Colleges are in Amadalavalasa Mandal.
Kuddiram is supplied with protected fresh water through taps. Kuddiram receives water through hand pumps, wells throughout the year. Sewage water flows openly, through raw canals and drains. Sewage water is discharged directly into water sources. A complete sanitation scheme has to be implemented in Kuddiram to stop sewage waste entering to water sources. Sewage water recycling plants has to be constructed. Garbage is dumped next to the streets in Kuddiram due to lack of door-to-door waste collection system. Kuddiram village has a post office providing post and telegraph services for the public. The village has a power supply system for household needs. Electricity is supplied 7 hours a day for agriculture purpose and 15 hours for commercial purposes.
A primary health care center and a veterinary hospital are present in Kuddiram. Allopathic Hospitals, Mobile Clinics, Family Welfare Centers are located at a distance of less than 10 kms from the village. Kuddiram village has its own Community Health Center, Mata Child Care Center, Sishu Mandir Kendras, General Hospitals, Medical Centers, at a distance of 10 kms from the village. Kuddiram village has an integrated child development scheme, Anganwadi Kendra, and other nutrition centers are present. The Asha activists and Asha workers are available round the clock in this village.
Kuddiram village is well connected with asphalt roads and gravel roads. Public transport and Private bus facilities are available from Kuddiram to its nearby villages. Auto facility and private travels are also available from this village. The national highway is at a distance of about 10 km from the village. The village has a self-help group and a civic supply center. Commercial banks, ATM centers, Co-operative Bank, Agricultural Leverage Associations are a distance of less than 10 kms from the village. Daily Market, Weekly Santa, Agricultural Marketing Society are also available and they are at a distance of 5 to 10 km from the village. Kuddiram has its own Grama Sachivalayam Center with Grama Volunteers available from 10 A.M to 6 P.M
Kuddiram is easily accessible by all three major modes of transport, roadways, railways, and airways. Which will come as a source of relief to the many travel enthusiasts ready to visit Kuddiram!
Srikakulam APSRTC bus station and Tilaru APSRTC bus station are the nearby bus stations to Kuddiram Village. APSRTC runs several busses from major cities to Kuddiram in Amadalavalasa Mandal.
Rails in India are the most affordable and most preferred modes of transportation. Srikakulam Road railway station, Tilaru railway station are the very nearby railway stations to Kuddiram Village.
The two nearest airports to Kuddiram Village in Amadalavalasa Mandal of Srikakulam District in Andhra Pradesh are Visakhapatnam Airport in Visakhapatnam and Biju Patnaik Airport in Bhubaneswar.
Places to visit in Kuddiram
Places to visit in Kuddiram


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Kokoist Colour Gel - Golden Beach Pearl E-232
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Jag Bhagwan Saxena has been practicing and handling cases with a wide-ranging practice and works independently with a practical, client-centered and ethically-grounded approach in the court of law.
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My Minsk
Video duration 11.25 minutes
Delivery Policy:
Upon receipt of your order, you will either be prompted to begin your download immediately or you will receive an e-mail from us with instructions to complete your download. If you are prompted to begin your download immediately, your completion of the download will constitute delivery to you of the item(s) you purchased.
If you receive an e-mail from us with instructions to complete your download, the receipt by you of the e-mail will constitute delivery by us to you of the item(s) you purchased.
In case you are unable to download the item(s) you purchase or you do not receive an e-mail from us with instructions to complete your download, you must contact us within 5 days from the date of your order. If you do not contact us within 5 days from the date of your order, the item(s) you purchased will be considered received, downloaded and delivered to you.
Privacy and Refund Policy
The User's bank card details are not stored on the Company's server or in the Service, the Company does not have access to the User's payment details.
The confidentiality of information provided by the User, including personal data and payment details, is provided by the bank. Information entered by the User, including payment details, is not provided to third parties.
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Video duration 11.25 minutes


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Black Friday Deals
It's time to officially start panicking that you haven't done any Christmas shopping yet. Sure you have something in mind for mom and dad. But what about for your internet-obsessed brother or your boyfriend who spends more time on Reddit than he does at work? Where are the 2012 Black Friday deals for them?
Here are seven gifts you can give to any lover of memes, internet culture, or just being as


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1. SWEEPSTAKES DETAILS. The information and definitions below shall apply to this Sweepstakes and may be referred to throughout these Official Rules.
-Sweepstakes Name: Win Tickets | Cypress Hill @ Lincoln Theatre | 5/14/24 ("Sweepstakes")
-Participating Station(s): WWDC-FM ("Station")
-Station Address: 1801 Rockville Pike, Floor 4, Rockville MD, 20852 ("Station Address")
-Station(s) Website(s): DC101.IHEART.COM ("Website")
-Eligible Area: This Sweepstakes is open only to individuals who are (i) legal U.S. residents of the state(s) of Maryland, Virginia, Washington DC
-Minimum Eligible Age: 18 ("Minimum Eligible Age")
-Sweepstakes Period: The following time period represents the time period in which you may enter the Sweepstakes ("Sweepstakes Period")
Start Date/Time: 2/9/2024 at 12:00:00 a.m.
End Date/Time: 2/23/2024 at 11:59:59 p.m.
Time Zone: Eastern Time
-Entry Limit: One (1) entry per person/email address/household per day during the Sweepstakes Period. For purposes of this Sweepstakes, a "Day" shall be defined as each calendar day, beginning at 12:00:00 a.m. and ending at 11:59:59 p.m. on that same day.
- How to Enter: During the Sweepstakes Period visit the participating Station's website. See section 3 for additional details.
This Sweepstakes is in no way sponsored, endorsed, or administered by, or associated with Facebook, Twitter or Instagram.
This Sweepstakes is in no way sponsored, endorsed, or administered by, or associated with Facebook, Twitter or Instagram.
-Winner Selection Dates: On or around 2/26/2023
-Prize Description (See Section 6 for additional Prize Conditions that may apply): 2 tickets to Cypress Hill @ Lincoln Theatre on May 14th
-Approximate Retail Value ("ARV") per prize: $40
-Prize Provider(s): I.M.P
This Sweepstakes is sponsored solely by iHeartMedia + Entertainment, Inc. ("Sponsor"). Any questions, comments or complaints regarding the Sweepstakes must be directed to the Sponsor. For a copy of these Official Sweepstakes Rules, please visit the participating Station's website.
List of Winner(s): For the name(s) of the winner(s) send a stamped, self-addressed envelope, to the Station/Station Address above with a mention of the Sweepstakes Name and "Winners List" on the outside of the envelope.
2. ELIGIBILITY. This Sweepstakes is open only to individuals who are legal U.S. residents residing in the Eligible Area (defined in Section 1) and of the Minimum Eligible Age (defined in Section 1) at the time of entry. The Sweepstakes is subject to all applicable federal, state, and local law and regulations. Void outside the Eligible Area and where prohibited or restricted by law. Entrants must be participating on their own behalf and not on behalf of any employer or third party. Employees, contractors, officers and directors of Sponsor, its affiliates, parent companies, subsidiaries, divisions, suppliers, distributors and advertising, promotional and judging agencies, the Station, and any third-party prize provider(s) and/or prize fulfillment service (collectively, the "Sweepstakes Entities"); individuals employed by any other radio and television stations; and members of the immediate families (spouse and biological, adoptive or step-parents, grandparents, children, grandchildren and siblings, and each of their respective spouses regardless of where they reside) or households (whether related or not) of any of the above individuals are not eligible to participate in the Sweepstakes or win the prize.
Minors (if applicable to the Sweepstakes): Entrant must obtain parental consent in order to be eligible to enter the Sweepstakes. Parental consent occurs when the parent or legal guardian of an eligible minor entrant, who is under the age of legal majority their state of residence, grants permission for the entrant to participate and agrees on behalf of himself/herself and the minor entrant to these Official Rules.
Eligibility Frequency Limits: The Sponsor may set limitations on how frequently an individual can be eligible to win more than one prize within a specified time period. For national sweepstakes/contests, an individual may win only one (1) time every fifteen (15) days. However, the same individual may not win more than one (1) prize for a specific event. For local sweepstakes/contests, an individual may win only once (1) every seven (7) days. An individual may not win more than three (3) times in one month. Only one (1) winner per household is permitted in any contest or sweepstakes. "Household members" shall mean people who share the same residence at least three (3) months a year.
During the Sweepstakes Period, visit the participating Station's website, and click on the entry form. Then, complete and submit the entry form with all requested information (including your name, email address, phone number, date of birth, and/or any other information requested by the Sponsor) to receive one (1) entry into the Sweepstakes. Entries must contain all information requested to be valid.
The Released Parties (as defined below) are not responsible for lost, late, undeliverable, illegible, damaged, stolen, misdirected, mutilated, or incomplete entries, regardless of cause. Multiple entrants are not permitted to share the same email address. Should multiple users of the same e-mail account or mobile phone number, as applicable, enter the Sweepstakes and a dispute thereafter arise regarding the identity of the entrant, the authorized account holder of said e-mail account or mobile phone account at the time of entry will be considered the entrant. "Authorized account holder" is defined as the natural person who is assigned an e-mail address or mobile phone number by an Internet access provider, on-line service provider, telephone service provider or other organization which is responsible for assigning e-mail addresses, phone numbers or the domain associated with the submitted e-mail address. Proof of submission of an entry shall not be deemed proof of submission or receipt by the Sponsor for online entries. When applicable, the Sponsor's computer will be deemed the official time keeping device for the Sweepstakes. Entries will be disqualified if incomplete and/or if prohibited multiple entries in excess of the states limit are received. All entries become the property of Sponsor and will not be acknowledged or returned.
By participating, you agree (a) to be bound by these Official Sweepstakes Rules; (b) as between you and the Sponsor, that the decisions of the Sponsor is final on all matters relating to the Sweepstakes; (c) you are not participating on behalf of any employer or third party; (d) in the event that you do not comply with these Rules, that you will be disqualified and your prize (if any) will be forfeited; and (e) (when applicable) the potential winner and/or finalist must be available to participate in any portion to the Sweepstakes that participation may be required to be considered eligible.
4. WINNER SELECTION/ODDS. On or about the Winner Selection Date (defined in Section 1) the Sponsor will randomly select the potential winner(s) from among all eligible entries collectively received during the Sweepstakes Period (defined in Section 1). The odds of winning the prize depend on the number of eligible entries received.
5. WINNER NOTIFICATION AND VERIFICATION. Potential winner(s) is subject to verification, including verification of eligibility. Potential winner(s) will be notified one date listed above (defined in Section 1). Potential winner(s) will be notified via email, and/or phone call, at the email address and/or mobile phone number provided at the time of entry. Potential winner(s): (a) must respond to the notification within the Notification Response Time (defined in Section 1); (b) may be required to present a state authorized identification prior to being awarded the prize and/or sign an official waiver form provided by the Sponsor and agree to the terms herein, including but not limited to the prize conditions; and (c) may also be required to sign and return an affidavit of eligibility and any other form(s) necessary to verify eligibility and claim prize, along with any other required release(s) within twenty-four (24) hours (unless otherwise stated herein or at the time of notification).
The Sweepstakes Entities are not responsible for suspended or discontinued wireless or online service or for any change of entrant's email address, mailing address, and/or telephone number which may result in potential winner not receiving a prize notification. If (a) an attempted notification or prize is returned as undeliverable; (b) a potential winner cannot be contacted, fails to respond to the notification or does not accept the prize within the Notification Response Time; (c) a potential fails to provide signed affidavits or releases or any other required forms within the stated time period(s); (d) a potential fails to present a proper identification at the time of claiming a prize or fails to collect or properly claim any prize in accordance with these Official Rules; (e) a potential winner declines the prize; (f) a potential winner cannot be verified or is deemed ineligible; (g) a potential winner is disqualified for any reason;
(h) a potential winner is not available to participate in any applicable Sweepstakes event(s) that participation may be required to be considered eligible; or (i) a potential winner is otherwise unable to accept the prize as stated, the prize may be forfeited and awarded to an alternate winner, in Sponsor's sole discretion. Any alternate winner(s) will be randomly selected from among all remaining eligible entries, as determined by Sponsor, in its sole discretion. If any alternate(s) similarly fails to properly claim the prize, Sponsor will use a reasonable number of attempts, in its discretion, to award the prize(s) to another alternate(s) but if it is unable to do so, the prize(s) will be deemed unclaimed and Sponsor shall have no further liability, in connection with this Sweepstakes, to award unclaimed prizes.
If eligible entrants include minors, prize may be awarded to entrant's parent or legal guardian and entrant's parent or legal guardian may be required to sign a release on behalf of the minor to be eligible to receive a prize.
6. PRIZE CONDITIONS. Limit one (1) prize per person/household. Prize(s) is subject to certain terms and conditions and restrictions may apply, as specified herein or as stated within the prize notification. Any difference between stated ARV and actual value of prize will not be awarded. A prize may not be sold, traded, or commissioned, and is not exchangeable, transferable, substitutable, or redeemable for cash except in Sponsor's sole discretion. Prize details and availability are subject to change. Sponsor is not the supplier or guarantor of any prize, unless otherwise specified. The prize(s) may be fulfilled by a third party. The prize will only be awarded if properly claimed according to these Official Rules. All costs and expenses related to the prize acceptance, the prize, and/or prize use not specified herein as being provided are solely the responsibility of winner(s).
FOR PROMOTIONAL CARDS: Promotional cards shall include and herein be referenced as "promotional card(s)" collectively to any prefunded bank card, a gift card, an electronic gift card, stored-value card or certificate, a store card, merchant card, voucher for services or goods, a gift certificate or similar instrument and other redeemable instruments with value credit or the like that may be awarded are subject to terms, conditions and restrictions as set by issuer. Promotional cards are subject to the terms of use, applicable conditions and restrictions, including any expiration dates, promulgated by issuer of card. Promotional cards are not transferable, redeemable for cash or exchangeable for any other prize. Redemption of the promotional card will be subject to the standard terms, conditions and restrictions applicable to the participating merchant and or the card issuer in effect on the day of issuance of the promotional card. The promotional card cannot be redeemed for the purchase of other promotional cards. Except as required by law, the promotional card cannot be reloaded, resold, transferred for value, redeemed for cash, or applied to any other account. The Sponsor is not responsible if any promotional card is lost, stolen, destroyed or used without permission. If the promotional card is lost or stolen, it will not be replaced. No substitutions allowed except by Sponsor at its sole discretion for a prize of comparable value.
FOR CONCERTS AND OTHER TICKETED EVENTS: Any other expenses or items not specifically listed, including but not limited to, transportation, accommodations, meals, parking and souvenirs, are the responsibility of winner and/or winner's guest(s). If a guest(s) is a minor, the minor guest(s) must be accompanied by their parent or legal guardian. If the ticketed event or any portion thereof is postponed, rained out, canceled, or for other reasons beyond Sponsor's control does not occur, the Sponsor will not be responsible for replacing the ticketed portion of prize. Tickets are subject to certain terms and conditions specified thereon, and seat locations (if any) are as solely determined by Sponsor. Lost or stolen tickets will not be replaced. The Sponsor shall not be responsible for any cancellations, delays, diversions or substitution or any act or omissions whatsoever by the venue operator, prize provider or any other persons providing any prize-related services. If travel delays, cancellations or difficulty prevent arrival in time for the event, the Sponsor is not responsible for awarding any compensation in lieu thereof. Tickets must be redeemed as stated in the prize notification or otherwise stated in the Official Rules. Winner must present state authorized identification prior to being awarded the prize. Failure to collect or properly claim any prize in accordance with these rules will result in forfeiture of the prize. If prize is forfeited for any reason, winner will not receive any other prize substitution or compensation, and the prize will remain the property of the Sponsor and will not be awarded, except as provided herein. Winner agrees to accept all space availability requirements established by the venue. Winner and guest(s) must comply with all applicable laws, and any rules and regulations established by the venue. Sponsor and the applicable venue representatives reserve the right to remove or to deny entry to winner (and his/her guest(s)) who engage in a non-sportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person at the event or in any other objectionable behavior. Winner agrees that acceptance of the prize is done so entirely upon their own initiative, risk, and responsibility.
FOR PRIZE-RELATED EVENTS: COVID-19 Release and Waiver: Winner understands and agrees that attending an event, in connection with the prize, will be dangerous due to the Coronavirus (COVID-19) epidemic/pandemic and assumes any and all risks of illness, injury or loss due to such attendance. Winner acknowledges that, notwithstanding the safety precautions taken by the venue, and other providers of services related to the prize, it is possible that he/she may still contract Coronavirus (COVID-19). Additionally, winner understands and agrees that, in response to economic and/or social conditions engendered by the Coronavirus (COVID-19), Sponsor or prize provider may be compelled to modify, postpone or cancel the event. In all cases, winner releases and agrees to hold harmless Sponsor (as well as the other Released Parties) from any and all liability in conjunction therewith and, in no event, shall Sponsor (as well as the other Released Parties), have any liability in excess of the above-indicated ARV of the prize.
The prize winner and guest(s) must conduct themselves at all times in a socially responsible, respectful and appropriate manner including following all private guidance from a venue operator and other prize suppliers as well as governmental mandates intended and designed to prevent contracting and/or spreading COVID-19/Coronavirus; which may include but are not limited to maintaining social distancing, mask-wearing, testing and may also include quarantine (if mandated).
HOTEL PRIZE CONDITIONS: If hotel is included in the prize package, the hotel room will consist of a double-occupancy, standard hotel room unless otherwise specified in the prize description as stated in Section 1 or at the time of prize notification. Selection of hotel is solely within Sponsor's discretion. Winner will be required to provide credit card prior to check-in and is solely responsible for all incidental charges and may be required to sign an additional liability release for the use of the accommodations. Transportation, meals, gratuities, luggage fees, incidental hotel charges and any other expenses not specified herein are the sole responsibility of winner and guest(s). The Sponsor is not responsible for late, lost, damaged or stolen luggage.
TRIP PRIZE CONDITIONS: If airfare in included in the prize package, round-trip, coach class air transportation for winner and his/her guest(s) shall commence from a major commercial airport near winner's home to the destination. Actual value of trip may vary based on point of departure and airfare fluctuations. Selection of airline and hotel are solely within Sponsor's discretion. Meals, gratuities, luggage fees, incidental hotel charges and any other travel-related expenses not specified herein are the sole responsibility of winner and guest(s). Travel for the trip awarded must take place on and/or within the designated dates and is subject to schedule and availability, alternative travel dates will not be provided. If the winner(s) is unavailable for travel on the designated dates, the specified or prize will be forfeited and may or may not be awarded to an alternate winner(s) at the sole discretion of the Sponsor. Exact travel dates and arrangements may be subject to availability whether specified or not. Winner and guest(s) must travel on same itinerary. IF THE WINNER IS ELIGIBLE, BUT A MINOR IN HIS/HER STATE OF RESIDENCE, THE GUEST MUST BE WINNER'S PARENT OR LEGAL GUARDIAN. A MINOR (DETERMINED BY THE AGE OF MAJORITY IN HIS/HER STATE OF RESIDENCE) MAY ONLY ACCOMPANY THE WINNER AS A GUEST IF THE WINNER IS THE MINOR'S PARENT OR LEGAL GUARDIAN. ALL MINORS MUST BE ACCOMPANIED AT ALL TIMES DURING TRIP (INCLUDING, BUT NOT LIMITED TO, IN-FLIGHT, HOTEL STAY AND ALL PRIZE-RELATED EVENTS) BY MINOR'S PARENT OR LEGAL GUARDIAN. Guest(s) must sign and return a travel release before any ticketing of travel occurs. Winner and guest(s) must have all necessary identification and/or travel documents (e.g., a valid U.S. driver's license) required for travel. If the trip requires traveling outside the United States, the winner, upon winning the prize, must have a valid US passport. If the winner does not have a valid US passport upon winning the prize, the trip may be forfeited and an alternate winner will be selected, in the Sponsor's sole discretion. In accordance with applicable laws, international travelers are required to possess a government issued passport, if a winner does not have or is unable to obtain a passport within any time constraints related to the prize, the winner will be disqualified. Airline tickets are non-refundable/non-transferable and are not valid for upgrades and/or frequent flyer miles. All airline tickets are subject to flight variation, work stoppages, and schedule or route changes. If in the judgment of the Sponsor, air travel is not required due to winner's proximity to the trip destination, ground transportation will be substituted for roundtrip air travel at the Sponsor's sole and absolute discretion. The difference in value will not be awarded to the prize winner. The Sponsor shall not be responsible for any cancellations, delays, diversions or substitution or any act or omissions whatsoever by the air carriers, hotels, venue operators, transportation companies, prize providers or any other persons providing any prize-related services or accommodations. Additional prize award details and travel information to be provided to the winner at the time of notification. Winner and guest(s) will be required to complete and return the applicable forms and releases. Winner must sign a prize acceptance form, provide the information for their guest(s) which must be at least of the legal age of majority in their state, a W-9 form, an affidavit or verification of eligibility, and a liability/publicity release (where permitted) signed by both the winner and guest(s). Winner(s) and guest(s) are also responsible for obtaining travel insurance (and all other forms of insurance) at their option and hereby acknowledge that the Sponsor has not and will not obtain or provide travel insurance or any other form of insurance. Lost, stolen or damaged airline tickets, travel vouchers or certificates will not be replaced or exchanged. If a winner cannot be contacted or is disqualified, the Sponsor reserves the right to determine an alternate winner in its sole discretion. Unclaimed prize(s) will not be awarded. Certain travel restrictions and blackout dates may apply. Any and all airport transfers, ground transportation, meals, incidentals, gratuities, phone calls, luggage fees, travel insurance and applicable taxes (including, but not limited to all local, state and federal taxes) and any and all other expenses not specifically mentioned herein are solely the responsibility of the winner. If, for any reason, any part of the trip package is canceled or shall become unavailable, postponed or canceled, the Sponsor shall have no further responsibility for that portion of the prize and the prize will be awarded without the inclusion of the item on the same itinerary. The Sponsor is not responsible for late, lost, damaged or stolen luggage. The Sponsor is not responsible for any travel delays, flight cancellations or difficulty. If travel delays, cancellations or difficulty prevent arrival in time for any and all elements of trip, the Sponsor is not responsible for awarding any compensation in lieu thereof. Any changes to completed travel arrangements, once booked, are the sole responsibility of the winner, and are solely at the winner's expense. All prizes or prize vouchers must be redeemed as stated in the prize notification or otherwise stated in the Official Rules. Failure to collect or properly claim any prize in accordance with these rules will result in forfeiture of the prize. If forfeited for any reason, winner will not receive any other prize substitution or compensation, and the prize will remain the property of the Sponsor and will not be awarded, except as provided herein. Winner agrees to accept all blackout dates, space availability requirements, etc. established by the Sponsor's prize partner(s), such as hotels, airlines, trains, ships, concert or event venues etc. Winner and guest(s) must comply with all applicable laws, and any rules and regulations established by the Sponsor's prize partner(s), if any; such as hotels, airlines, trains, ships, concert or event venues etc. Winner agrees that acceptance of any trip taken as a prize is done so entirely upon their own initiative, risk, and responsibility. BY ACCEPTING PRIZE, WINNERS ACCEPT THE INHERENTLY DANGEROUS NATURE AND RISK IN ANY TRAVEL OR TRANSPORTATION, SUCH RISK INCLUDING PERSONAL INJURY AND/OR DEATH, ACKNOWLEDGES THAT HIS/HER PARTICIPATION IN THE PRIZE EVENT IS VOLUNTARY, ACKNOWLEDGES THAT THERE ARE NATURAL FACTORS AND OCCURRENCES WHICH MAY IMPACT ON OR AFFECT THE SAFETY OF THE ACTIVITIES HE/SHE IS PARTICIPATING IN AND HE/SHE ASSUMES THE RISK OF SUCH FACTORS AND OCCURRENCES AND AGREES THAT THE SPONSOR AND RELEASED PARTIES SHALL NOT BE IN ANY WAY RESPONSIBLE FOR ANY RESULTING INJURY AND/OR DEATH.
FOR TRIPS: COVID-19 Release and Waiver: Winner understands and agrees that travel will be dangerous due to the Coronavirus (COVID-19) epidemic/pandemic and assumes any and all risks of illness, injury or loss due to such travel. Winner acknowledges that, notwithstanding the safety precautions taken by the air carrier, hotel property, stadiums or other venues, and other providers of travel-related services, it is possible that he/she may still contract Coronavirus (COVID-19). Additionally, winner understands and agrees that, in response to economic and/or social conditions engendered by the Coronavirus (COVID-19), Sponsor may be compelled to modify, postpone or cancel the trip. In all cases, winner releases and agrees to hold harmless Sponsor (as well as the other Released Parties) from any and all liability in conjunction therewith and, in no event, shall Sponsor, (as well as the other Released Parties) have any liability in excess of the above-indicated ARV of the Trip.
The prize winner and guest(s) must conduct themselves at all times in a socially responsible, respectful and appropriate manner including following all private guidance from a venue operator and other prize suppliers as well as governmental mandates intended and designed to prevent contracting and/or spreading COVID-19/Coronavirus; which may include but are not limited to maintaining social distancing, mask-wearing, testing and may also include quarantine (if mandated).
7. TAMPERING AND DELIVERY DISCLAIMER. The Sponsor, in its sole discretion, reserves the right to disqualify and prohibit from participating any person (and void such person's entries), who the Sponsor determines (in its sole discretion) is or is attempting to: (a) tamper with the Website and/or any part of the Sweepstakes; (b) undermine the legitimate operation of the Sweepstakes by cheating, deception, or other unfair playing practices; or (c) intending to annoy, abuse, threaten or harass any other entrants, the Sponsor, or the Released Parties or exhibits other unsportsmanlike behavior; and/or (d) otherwise violate these Official Rules or the Terms of Use of the Website. ANY ATTEMPT TO DELIBERATELY DAMAGE, CIRCUMVENT, OR DISRUPT THE WEBSITE (OR ANY PART THEREOF) OR UNDERMINE THE LEGITIMATE OPERATION OF THIS SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD ANY SUCH ATTEMPT BE MADE, THE SPONSOR AND ITS LICENSEES (IF ANY) RESERVE THE RIGHT TO SEEK DAMAGES AND ANY OTHER AVAILABLE REMEDIES FROM ANY SUCH PERSON(S) RESPONSIBLE FOR ANY SUCH ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW. EACH ENTRANT (OR, IF THE ENTRANT IS NOT OF AGE OF MAJORITY IN HIS/HER STATE OF RESIDENCE, THE LEGAL GUARDIANS THEREOF) AGREES TO INDEMNIFY AND HOLD HARMLESS THE SPONSOR AND ITS AGENTS FROM AND AGAINST ANY AND ALL CLAIMS, LOSSES, DAMAGES AND/OR LIABILITIES (INCLUDING REASONABLE ATTORNEYS' FEES AND EXPENSES) THAT MAY BE ASSERTED AGAINST OR INCURRED BY ANY OF THEM AT ANY TIME, IN CONNECTION WITH THE USE THEREOF, AND/OR BY ENTRANT'S BREACH OF ANY REPRESENTATION, WARRANTY OR COVENANTS ASSOCIATED WITH THIS SWEEPSTAKES. The use of any automated device, automated launching or entry software or any other mechanical or electronic means that permits the entrant to automatically enter or evaluate repeatedly is prohibited. The Sponsor disclaims all liability for any delays, misdelivery, loss, or failure in the delivery of any item sent by mail, courier, express, electronic transmission, or other delivery method.
Released Parties are not responsible for: (a) mechanical, technical, electronic, communications, telephone, computer, hardware or software errors, malfunctions or failures of any kind, including: failed, incomplete, garbled or delayed transmission of online entries, traffic congestion on telephone lines, the Internet or at any website or lost or unavailable network connections which may limit an online entrant's ability to participate in the Sweepstakes; (b) any injury or damage to entrant's or any other person's computer related to or resulting from participating in or downloading any information necessary to participate in the Sweepstakes; (c) any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilized in the Sweepstakes; (d) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (e) unauthorized human intervention in any part of the entry process or operation of the Sweepstakes; or (f) technical or human error which may occur in the administration of the Sweepstakes or the processing of entries.
The Sponsor further reserves the right to (a) cancel, terminate, suspend, declare null or void, amend, alter, or modify the Sweepstakes, void any suspicious entries, rescind any prize, and/or determine absolute resolution, and/or an alternate method of conducting the Sweepstakes and/or awarding the prize(s) at any time, for any reason, or if, in the sole discretion of the Sponsor, it is impossible or impractical to complete or conduct the Sweepstakes as planned for any reason, including, but not limited to, infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures of any sort, programming associated with or used in the Sweepstakes, by any human error which may occur in the execution of this Sweepstakes, or any other causes which effect the operation of the Sweepstakes or the rules of the integrity of the Sweepstakes have been violated or compromised in any way, intentionally or unintentionally by any person whether or not a entrant in the Sweepstakes and/or (b) stop or conclude the Sweepstakes at any time without prior notice. Material changes to the Official Rules will be broadcast on-air, when practical. In the event of termination of the Sweepstakes by Sponsor, Sponsor reserves the right to award any prize(s) in a manner deemed fair and equitable by Sponsor.
8. PUBLICITY. Except where prohibited, by accepting a prize, winner(s) grant the Sponsor and Station permission to use their names, characters, images, voices, and likenesses worldwide, in perpetuity, in any and all media now known or hereinafter invented in any and all marketing and promotional materials and waive any claims to royalty, right, or remuneration for such use. Each winner's name may be included in a publicly available winners list.
9. USE OF PERSONAL INFORMATION. The Sponsor will retain the entrant's personal data for a reasonable period of time to enable it to send that entrant any prize that they have won and to verify that these Official Rules have been complied with, and for accounting purposes. This data may be passed to a third party to enable such third party to fulfill any necessary requirements relating to the award of a prize. Any other use of personal data will be in accordance with, and subject to, the Sponsor's Privacy Policy located here. Entrant may have the opportunity to opt-in to receive emails from third parties. In the event that entrant opts in to any available opportunities to receive
information from a third party, that may or may not be associated with this Sweepstakes, entrant understands and acknowledges that his/her information will be provided to such third party and may be used by the third party as set forth in the third-party's privacy policy. Any available opt-in opportunities are not required to enter the Sweepstakes, and opting in will not improve your chances of winning.
10. RELEASES, CONDITIONS, AND LIMITATIONS OF LIABILITY. By participating in the Sweepstakes, each entrant agrees to release and waive any and all claims of liability against the Sweepstakes Entities and any applicable third-party fulfillment service and each of their respective employees and agents (collectively, the "Released Parties") from and against from any and all liability, loss or damage (including personal injury or death) incurred with respect to the conduct of or participation in the Sweepstakes, or the awarding, shipping/handling, receipt, possession, and/or use or misuse of any prize, including any travel related thereto. By accepting the prize, winner(s) hereby agrees: (a) to release each of the Released Parties from any and all claims in connection with the Sweepstakes and the award or use of the prize(s); and (b) where allowed by law, to sign a publicity release confirming consent to use the winner's name/likeness as set forth in Section 8 prior to acceptance of the prize. The Released Parties are not responsible or liable to any entrant or winner, or any person claiming through such entrant or winner, for failure to supply the prize or any part thereof, by reason of any acts of God, any action, regulation, order or request by any governmental or quasi-governmental entity, including, but not limited to restrictions on travel, movement, and large gatherings, (whether or not the action, regulations, order or request proves to be invalid), national emergency, equipment failure, threatened terrorist acts, terrorist acts, air raid, blackout, act of public enemy, earthquake, volcanic eruption, war (declared or undeclared), fire, flood, epidemic, pandemic, viral or communicable disease outbreak, explosion, unusually severe weather, hurricane, embargo, labor dispute or strike (whether legal or illegal) labor or material shortage, transportation interruption of any kind, work slow-down, civil disturbance, insurrection, riot, or any other cause beyond the Sweepstakes Entities' sole control. Upon awarding the prize, the Sponsor will have no further obligation to winner.
11. TAXES. Any valuation of the prize(s) stated above is based on available information provided to the Sponsor, and the value of any prize awarded to a winner may be reported to the IRS as required by law. Each winner is solely responsible for reporting and paying any and all applicable federal, state, and local taxes, related to prize acceptance and use not specified herein. Each winner must provide the Sponsor with valid identification and, as applicable, a valid taxpayer identification number or social security number before any prize will be awarded. Any person winning over $600 in prizes from the Sponsor in a calendar year will be issued an IRS Form 1099 reporting the value of those prizes to the IRS.
12. CONDUCT AND DECISIONS. All decisions of the Sponsor will be final and binding on all matters relating to this Sweepstakes. Persons who violate any rule, gain unfair advantage in participating in the Sweepstakes, or obtain winner status using fraudulent means will be disqualified. The Sponsor will interpret these Official Rules and resolve any disputes, conflicting claims or ambiguities concerning the rules or the Sweepstakes and the Sponsor's decisions concerning such disputes shall be final. If, for any reason, more bona fide winners are notified than prize(s) available, prize(s) will be awarded in a random drawing from among all such persons. Inclusion in such drawing shall be each entrant's sole and exclusive remedy under such circumstances. Any reference in these Official Rules or as part of the Sweepstakes to the Sponsor's and/or Station's "discretion" and/or any exercise of discretion by the Sponsor or Station shall mean in Sponsor's and/or Station's "sole and unfettered discretion." The Sponsor further reserves the right to terminate the Sweepstakes if in its sole judgment, the rules or the integrity of the Sweepstakes have been violated or compromised in any way, intentionally or unintentionally by any person whether or not an entrant in the Sweepstakes. In the event the Sweepstakes is terminated, Sponsor will award the prize(s) in a random drawing from all eligible entries received prior to termination. If applicable material changes to the Official Rules will be broadcast on-air and available online at the Station's website, when practical. The Sponsor's failure to enforce any term of these Official Rules shall not constitute a waiver of this provision.
13. BINDING ARBITRATION. Any controversy or claim arising out of or relating to the Sweepstakes shall be settled by binding arbitration in a location determined by the arbitrator as set forth herein (provided that such location is reasonably convenient for claimant), or at such other location as may be mutually agreed upon by the parties, in accordance with the procedural rules for commercial disputes set forth in the Comprehensive Arbitration Rules and Procedures of JAMS ("JAMS Rules and Procedures") then prevailing, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitrator shall be selected pursuant to the JAMS Rules and Procedures. The arbitrator shall apply Texas law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized at law. In the event that the claimant is able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation,
Sponsor will pay as much of the claimant's filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. If any part of this arbitration provision is deemed to be invalid, unenforceable or illegal (other than that claims will not be arbitrated on a class or representative basis), or otherwise conflicts with the rules and procedures established by JAMS, then the balance of this arbitration provision shall remain in effect and shall be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting provision were not contained herein. If, however, the portion that is deemed invalid, unenforceable or illegal is that claims will not be arbitrated on a class or representative basis, then the entirety of this arbitration provision shall be null and void, and neither claimant nor Sponsor shall be entitled to arbitrate their dispute. Upon filing a demand for arbitration, all parties to such arbitration shall have the right of discovery, which discovery shall be completed within sixty days after the demand for arbitration is made, unless further extended by mutual agreement of the parties. THE ARBITRATION OF DISPUTES PURSUANT TO THIS PARAGRAPH SHALL BE IN THE ENTRANT'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN THE CLAIMS OF OTHER PERSONS OR PARTIES WHO MAY BE SIMILARLY SITUATED. DO NOT ENTER THIS SWEEPSTAKES IF YOU DO NOT AGREE TO HAVE ANY CLAIM OR CONTROVERSY ARBITRATED IN ACCORDANCE WITH THESE OFFICIAL RULES.
14. MISCELLANEOUS. Sponsor reserves the right to determine eligibility should special circumstances arise, all decisions are considered final and binding. Sponsor disclaims any responsibility to notify entrants of any aspect related to the conduct of the Sweepstakes. As a condition of participating in the Sweepstakes, entrants agree (and agree to confirm in writing) that: (a) under no circumstances will entrant be permitted to obtain costs, judgments, or awards for, and entrant hereby knowingly and expressly waives all rights to claim or seek punitive, incidental, consequential, special, or any other damages, other than for actual, third-party out-of-pocket expenses, and in such limitation, entrant further waives any rights to have damages multiplied or otherwise increased; (b) any and all disputes, claims, or causes of action arising out of or connected with this Sweepstakes, or any prize awarded, shall be resolved individually, through binding arbitration as set forth above, without resort to any form of class action; and (c) any and all claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred (if any), excluding attorneys' fees and court costs. Some jurisdictions do not allow the limitations or exclusion of liability, so the above may not apply to every entrant. Participation in the Sweepstakes constitutes entrant's full and unconditional agreement to, and acceptance of these Official Rules. Winning a prize is contingent upon entrant's fulfillment of all requirements set forth herein.
15. COMPLIANCE WITH LAW AND GOVERNING LAW. All issues and questions concerning the construction, validity, interpretation and enforceability of the Sweepstakes Official Rules, or the rights and obligations of entrant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Texas, U.S.A., without giving effect to the conflict of laws rules thereof, and any matters or proceedings which are not subject to arbitration as set forth in Section 13 of these Official Rules and/or for entering any judgment on an arbitration award, shall take place in the State of Texas, in the City of San Antonio.


text:
Literature: Frank Brangwyn, Drawings from the Collection of Father Jerome Esser, Liss Fine Art 2015, cat. 3, page 4.
We are grateful to Libby Horner for her assistance. This will appear as M1139 in her forthcoming Catalogue Raisonne of Brangwyn.
Literature: Frank Brangwyn, Drawings from the Collection of Father Jerome Esser, Liss Fine Art 2015, cat. 3, page 4.
Frank Brangwyn was born in Bruges, Belgium, the son of an English father and Welsh mother. The family returned to London in 1874, Brangwyn's father gaining work as a designer of buildings, embroideries and furniture. Although Brangwyn appears to have had little formal education, whether academic or artistic, his earliest mentors were three of the most influential men in design at the turn of the century: Arthur Heygate Mackmurdo, William Morris and Siegfried Bing. Between 1884 and 1887 Brangwyn travelled to Kent, Cornwall and Devon, before venturing further with trips to Turkey in 1888, South Africa in 1891, Spain in 1892 and Morocco in 1893.
Brangwyn was an independent artist, an experimenter and innovator, capable of working on both large and small scale projects, ranging from murals, oil paintings, watercolours, etchings, woodcuts and lithographs to designs for architecture, interiors, stained glass, furniture, carpets, ceramics and jewellery, as well as book illustrations, bookplates and commercial posters. It is estimated that he produced over 12,000 works during his lifetime. Mural commissions included the Worshipful Company of Skinners, London (1902-09), St Aidan's church, Leeds (1908-16), Manitoba Legislative Building, Winnipeg, Canada (1918-21), Christ's Hospital, Horsham (1912-23), State Capitol, Jefferson City, USA (1915-25), the British Empire panels, Swansea (1925-32), and Rockefeller Center, New York (1930-34). Brangwyn married Lucy Ray in 1896 and took on the lease of Temple Lodge, Hammersmith, in 1900. In 1918 the artist purchased The Jointure, Ditchling, where he spent most of his time following his wife's death in 1924. Elected RA in 1919, knighted in 1924, holder of countless artistic awards, Brangwyn was modest about his singular achievements, regarding art as an occupation and describing himself as a designer.


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