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Program Subject to Change. Please confirm with program book onsite.
You may search for particular presentations by typing key words, an author's name, or the title in the box below. You may specify the type of search, i.e. whether you want to see pages that contain any or all of the words you specify. The Boolean search option recognizes the keywords and, or, and not, as well as parentheses.


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It's the first day of the new year. I should be posting something wholesome and healthy, but one of my boys asked me to make scones for breakfast. Our butter supply has been completely depleted by Christmas cookie baking, so we opted for muffins instead. The fact that muffins are simpler to make than scones helped alleviate my sadness that there isn't a knob of butter to be found in the house.
I began with King Arthur Flour's basic muffin recipe and added sweet dried cherries and dark chocolate. I also adopted their muffin-baking technique, which was touted as creating beautiful muffin domes. And it delivered–check out those mini-muffin moutains! I've never had a muffin recipe puff up so dramatically.
KA recommends preheating your oven to 500 degrees, then dropping it to 400 degrees when the muffins are put into bake. It is this temperature switch that causes the muffins to rise so effortlessly. I'm never cooking muffins any other way again. It sounded like too hot an oven, but they were cooked through and lightly golden at the 25 minute mark.
I chopped up Callebaut semi-sweet chocolate and dried cherries, irregularly but on the fine side, so that bits of chewy fruit and melt-y chocolate would be found throughout the muffin.
All in all, it was a warm and cozy way to start this chilly new year.
Chocolate Cherry Muffins
Makes one dozen
2 cups all-purpose, unbleached flour
1/2 cup sugar
1 tablespoon baking powder
1/2 teaspoon fine salt
1 cup milk
1/4 cup vegetable oil
2 large eggs
1 teaspoon pure vanilla extract
2 1/2 ounces dark chocolate, chopped
1/2 cup dried cherries, chopped
Preheat oven to 500 degrees. In a large bowl, whisk together flour, sugar, baking powder and salt.
In a medium bowl, whisk together milk, oil, eggs and vanilla.
Add wet ingredients to dry, and stir until barely combined (the batter will still be lumpy.)
Gently fold in chopped chocolate and cherries.
Line a standard size muffin pan and fill each cup up with batter almost to the top.
Put muffins in oven and drop temperature to 400 degrees.
Bake for 20-25 minutes until muffins are lightly golden-brown. Let cool for a few minutes, then remove muffins from pan to a cooling rack.

subset: commoncrawl


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Rust Texture Rug
Rust Texture Rug
About this rug
Minimalist sandy-textured rug. Expertly designed for those seeking a subtle yet impactful addition to their modern, minimalist decor.
Collapsible content
About our rugs
At Ginza Six, our rugs are more than just floor coverings; they are expressions of artistry and craftsmanship that elevate your living spaces to new heights of beauty and comfort. Each rug is thoughtfully designed and meticulously crafted to embody the essence of elegance and functionality. With a dedication to exceptional quality, innovative design, and sustainable practices, our rugs seamlessly blend style and practicality.
Inspired by diverse cultures and timeless motifs, our rug collections transcend trends, ensuring that your investment stands the test of time. Whether it's the rich colors and intricate patterns of our Oriental rugs or the contemporary allure of our modern designs, every rug tells a captivating story that complements your individual style.
We take pride in our commitment to environmental consciousness, using eco-friendly materials and processes to minimize our impact on the planet. Our washable and stain-resistant rugs offer convenience and ease of maintenance without compromising on luxury and aesthetics, making them the perfect addition to any busy household.
As a leading printed rug company, we continuously explore new possibilities in design, weaving together artistry and innovation to create rugs that inspire and transform living spaces. Whether you seek a striking centerpiece or a subtle accent, our diverse rug collections cater to your unique vision, leaving an enduring impression on your home.
Indulge in the art of rug selection with Ginza Six and discover a world of beauty, quality, and versatility that enriches every corner of your space. Let our rugs be the canvas that breathes life into your home, creating an atmosphere that reflects your personality and invites you to savor every moment. Welcome to a world of refined elegance and timeless allure - welcome to Ginza Six.
Washing guide
Classic Rug: Easy to Clean - Just spot-clean with soap and water.
Washable Rug: Machine Washable - Fits in a regular-size washing machine.
Free shipping in the continental USA.
Returns & Refunds
At Ginza Six, your satisfaction is our top priority, and we want you to be delighted with your purchase. If, for any reason, you are not completely satisfied, you can take advantage of our hassle-free return policy. You have 60 days from the date of receipt to return your order for a full refund or exchange (please note that custom rugs are not eligible for returns).
To initiate a return, simply contact us, and our dedicated team will be happy to assist you. We will arrange for FedEx to collect the item from your preferred location, whether it's your home, workplace, or an alternative address. To ensure a smooth return process, we recommend keeping the original packaging. However, if you no longer have it, don't worry - we can provide alternative packaging or send you new packaging at no additional cost.
For your security, we can only process refunds to the original payment method used for placing the order. Once we receive the returned item, please allow 5-7 business days for the return to be processed, and the funds will be promptly reflected in your account.
Please note that our return policy covers return shipping costs within the continental US, ensuring a seamless and convenient experience for you. At Ginza Six, we are dedicated to providing the highest level of customer service and ensuring that you have complete confidence in your purchase. If you have any questions or need further assistance with your return, feel free to reach out to our friendly team. We're here to make sure you are entirely happy with your shopping experience.
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Market First
1 min read
Content Reserved For Members
Members Only
This content is reserved for OneOption members. Please visit our Start Here page to learn more about our system and how to become a member via our Free Trial.
Sign InThe System Introductory Articles
The following introductory articles are available for non-members:


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State Fundraising Notices
To comply with IRS regulations, the American Heart Association receipts all donors of $250 or more.
The American Heart Association ("AHA") is a New York non-profit corporation with its headquarters and principal place of business in Dallas, Texas. AHA's mission is to be a relentless force for a world of longer healthier lives, and this solicitation is for that purpose. A complete copy of AHA's financial statement and other information about AHA's purpose, programs and activities is available upon request by writing to the American Heart Association, at 7272 Greenville Ave., Dallas, Texas 75231, by calling 800.242.8721, on our website at heart.org, or as stated below. Inquires may be directed to Tonja Abel at above address.
The American Heart Association Inc. is a charitable organization exempt from taxation under section 501(c)(3) of the Internal Revenue Code. The following states require special notices to be included with a solicitation.
Colorado: Colorado residents may obtain copies of registration and financial documents from the office of the Secretary of State, 303-894-2680, http://www.sos.state.co.us/, re: Reg. No. (20023004131).
Florida: SC No.01008 A COPY OF THE OFFICIAL REGISTRATION AND FINANCIAL INFORMATION MAY BE OBTAINED FROM THE DIVISION OF CONSUMER SERVICES BY CALLING TOLL-FREE, WITHIN THE STATE, 1-800-HELP-FLA OR VIA THE INTERNET AT WWW.800HELPFLORIDA.COM.
Georgia: A full and fair description of the programs and activities of American Heart Association and its financial statement are available upon request at the address indicated above.
Illinois: Contracts and reports regarding American Heart Association are on file with the Illinois Attorney General.
Kansas: In Kansas our license number is (374-708-6).
Maryland: For the cost of postage and copying, documents and information filed under the Maryland charitable organizations laws can be obtained from the Secretary of State, Charitable Division, State House, Annapolis, MD 21401, 1-800-825-4510.
Michigan: MICS No. 21695.
Mississippi: The official registration and financial information of the American Heart Association may be obtained from the Mississippi Secretary of State's office by calling 1-888-236-6167. Registration by the Secretary of State does not imply endorsement.
Nevada: The state of incorporation of American Heart Association is New York.
New Jersey: INFORMATION FILED WITH THE ATTORNEY GENERAL CONCERNING THIS CHARITABLE SOLICITATION AND THE PERCENTAGE OF CONTRIBUTIONS RECEIVED BY THE CHARITY DURING THE LAST REPORTING PERIOD THAT WERE DEDICATED TO THE CHARITABLE PURPOSE MAY BE OBTAINED FROM THE ATTORNEY GENERAL OF THE STATE OF NEW JERSEY BY CALLING (973) 504-6215 AND IS AVAILABLE ON THE INTERNET AT http://www.state.nj.us/lps/ca/charfrm.htm.
New York: Upon request, from the Attorney General Charities Bureau , 28 Liberty Street, New York, NY 10005, or calling (212) 416-8401v.
North Carolina: Financial information about this organization and a copy of its license are available from the State Solicitation Licensing Branch at 1-888-830-4989 (within North Carolina) or 919-807-2214 (outside North Carolina).
Pennsylvania: The official registration and financial information of American Heart Association may be obtained from the Pennsylvania Department of State by calling toll free, within Pennsylvania, 1-800-732-0999. Registration does not imply endorsement.
Virginia: Financial statements are available from the State Office of Consumer Affairs, PO. Box 1163, Richmond, VA 23218.
Washington: The notice of solicitation required by the Charitable Solicitation Act is on file with the Washington Secretary of State, and the toll-free number for Washington residents: 1-800-332-4483.
West Virginia: West Virginia residents may obtain a summary of the registration and financial documents from the Secretary of State, State Capitol, Charleston, West Virginia 25305.
Wisconsin: A financial statement of the American Heart Association, disclosing assets, liabilities, fund balances, revenue, and expenses for the preceding fiscal year, will be provided upon request.


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Export 4 results:
Filters: Author is Dreaden, E. C. [Clear All Filters]
Small Molecule-Gold Nanorod Conjugates Selectively Target and Induce Macrophage Cytotoxicity towards Breast Cancer Cells. Small. 2012 ;8:2819-2822.
. Antiandrogen Gold Nanoparticles Dual-Target and Overcome Treatment Resistance in Hormone-Insensitive Prostate Cancer Cells. Bioconjugate Chemistry. 2012 ;23:1507-1512.
. Detecting and Destroying Cancer Cells in More than One Way with Noble Metals and Different Confinement Properties on the Nanoscale. Accounts of Chemical Research. 2012 ;45:1854-1865.
. The golden age: gold nanoparticles for biomedicine. Chemical Society Reviews. 2012 ;41:2740-2779.


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Sr. Account Manager
Redi Carpet
If you are an employee of an AACT member company and you need to create a login, or if you would like to create a non-member account, setup your login information by clicking "Create An Account" below.
The members of AACT invite and encourage you to join! By working together, we can achieve our mission to maintain and enhance our industry as a whole.
All membership applications for the AACT must be approved by the Board of Directors. All memberships are company based and individuals cannot join AACT.


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Add to Spiritual Diary
Can you remember when you were creative and curious like a child?
Do you remember being so excited about life and the many new wonders you were discovering each day? Can you remember having fun and being playful?
What would happen if you brought this level of enthusiasm and energy into your life now?
What would happen if you expect wonderful things to happen now?
What if life really is a dashing, bold adventure?
You came into life with such an open attitude and desire to learn and explore.
By continuing to observe and learn from life, you allow life to happen.
The mind is like a parachute, it works best when it is open.
Life is 80% attitude and 20% aptitude.
Do you have a positive and open attitude?
What would happen if you did now?
You attract wonderful things in life to you based on your thoughts, feelings and actions.
Do you also know that attitude is altitude?
How high is the quality of your life now?
Are you experiencing joy and fulfillment spiritually, mentally, emotionally, physically and financially?
Your life is what you make it and it does not depend on the circumstances.
It depends on your attitude, energy, faith, commitment and consistent actions.
What are your key beliefs and values?
What is your definition of success, does it include the Golden Rule?
Is it a healthy and appropriate definition?
How can you be successful and still maintain your values and proper principles?
True success is not really quantifiable, but what is quantifiable is service.
How can you be of service to your family, your friends, your team, your business, your community
and your country?
Be clear you are the SOURCE of your life.
Anything is possible, especially when you believe.
Having a positive mental attitude and following proper principles are keys to creating a wonderful life.
http://www.werclassy.c- om/


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Game Warden Field Notes
August 8 from the Texas Parks and Wildlife Department
Published Aug. 10, 2012 @ 9:45 a.m.
The following items are compiled from recent Texas Parks and Wildlife Department law enforcement reports.
Oops, We Did It Again
A Red River County game Warden and two Bowie County game wardens received information about a possible road hunting incident near a residence. The property owner and his wife were outside at the time and after hearing shots, the husband, who had been drinking, jumped into his vehicle and began to chase the hunters. While in pursuit, in an attempt to stop the hunters the man began shooting a pistol out of his window. The man rammed the hunters' vehicle and in the process flipped his vehicle over and suffered serious injuries. The hunters had called 911 to report they were being shot at. When wardens contacted the suspected road hunters, they denied having weapons and shooting at anything. Unaware that their 911 call had not been dropped as they believed, in the background officials could clearly hear someone say, "hide the gun in them woods," and "not that far, we're gonna come back and get it tonight." After hearing the 911 tape, the three hunters gave statements admitting to shooting at multiple animals from the road that day as well as committing multiple burglaries of habitations and storage buildings in the Dekalb area. Wardens also interviewed the hunters about a year-long investigation regarding the slaying of an 8-point buck last August in Red River County. The hunters admitted to being on the ranch illegally and shooting the buck leaving it to waste. A total of 24 cases were filed on the three individuals. Meanwhile, the overzealous property owner was filed on for DWI and deadly conduct.
Llano County game warden and a Lampasas County game warden were patrolling Lake LBJ when they stopped a fishing guide. The guide has been known to keep undersized fish in the past, and after a quick water safety inspection the wardens inspected an ice chest full of fish which included some that were undersized. The wardens took the guide and fish onto their boat and measured all the fish. They found eight undersized crappie and one undersized black bass. Citations were issued and all the fish were seized.
Photo Finish
A Guadalupe County game warden was called out at around 10 p.m. for a boat wreck/hit-and-run on Lake Dunlap. Comal County wardens got the original call and called Guadalupe County for assistance. It was reported that around dark, a ski boat ran over the front of a kayak. Fortunately, the man on the kayak suffered only minor injuries and the impact put both boats against the bank in some trees. The kayaker attempted to get the ski boat operator's identification and insurance information and had no luck. The kayaker was holding on to the ski boat as he tried to reason with the driver. The ski boat driver took a swing at the kayaker who then took a picture of the operator and the Texas boat registration number with his iPhone. The ski boat operator then sped off dragging the kayaker more than 100 yards before he let go. A Comal County game warden ran the TX number and it came back to a resident on the lake. The game warden provided the Guadalupe County game warden with the information and he went to the residence. After a brief interview, the ski boat operator was placed under arrest for assault causing bodily injury. Other charges may follow pending further investigation. The ski boat did have transfer marks from hitting the kayak.
Drive-up Service
A Polk County game warden was checking boat ramps on Lake Livingston when he saw someone motor his pontoon boat up to a local boat ramp at a high rate of speed. The warden watched as the subject got out of his boat and staggered up through the parking lot to retrieve his truck. The warden stopped the subject and conducted standard field sobriety tests. The subject failed the test and was placed under arrest for BWI.
Falling Beer Can Leads to Arrest
Two Comal County game wardens were working water safety enforcement on Canyon Lake when they saw a man who was not wearing a life jacket while he was operating his personal watercraft inside the no wake area near a boat ramp. As the wardens approached they observed a can of beer fall from the PWC into the water. During a water safety inspection, the game wardens located two more empty beer cans. Due to the man's confused demeanor, slurred speech, and the strong odor of alcohol on his breath, the game wardens decided to conduct sobriety tests on him. The operator was arrested for boating while intoxicated and was booked in the Comal County Jail.
Game Warden Field Notes are a service of the Texas Parks and Wildlife Department


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Party Photography
Every couple is unique. Every couple is different, and whilst there are similarities, no wedding is the same. We believe your images should reflect that. We have a very personal approach that works to get to know you, your relationship, what's important to you and what you like in your images.
You can relax and enjoy your day and trust us to produce imagery you'll love looking at over and over again.


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It doesn't get much more biopunk than this:
As hospitals in nations hardest hit by Ebola struggle to keep up, desperate patients are turning to the black market to buy blood from survivors of the virus, the World Health Organization warned. […]
Blood from survivors, referred to as convalescent serum, is said to have antibodies that can fight the deadly virus. Though the treatment is unproven, it has provided some promise for those fighting a disease that's killing more than half of those it has infected.
Full Story: CNN: Ebola patients buying survivors' blood from black market, WHO warns


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Krypsys – Edinburgh's number one web application and network security specialist
KRYPSYS is an information security company with a focus on the next generation of emerging security threats. We've helped to build the market for several leading technologies and services in the IT security industry – services like web application security, network security, penetration testing and data encryption. Our aim is to help companies defend and assess themselves against the next generation of security threats they could be exposed to.
Anybody who wants to protect customer and company data, and ensure their systems are protected from malicious hackers will need to assess how well their current security infrastructure is coping with the increasing numbers of threats and exposures. A penetration test is designed to specifically target your company's infrastructure and identify your key assets and the protection they are provided. Penetration testing profiles your systems and looks for weaknesses or oversights that can be exploited, and uses this information to penetrate further into your network. We then test your most critical systems as either trusted or untrusted users, and use all known vulnerabilities to baseline your security posture.
Krypsys – Edinburgh's premier network security and web application expert
Krypsys will test:
- E-Mail servers
- Research and Development systems
- Database servers and storage
- Websites and E-commerce systems
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Once the test has been performed we will provide a report on the findings and brief you on-site on how these weaknesses can be eradicated. Our consultants are CISSP certified and as such are well versed in not just your technical security infrastructure but how this interfaces into your policies, procedures and data security requirements.
Web application and network security is crucial for every business, and too important to leave to chance. Isn't it time you consulted Krypsys, Edinburgh's information security experts?
We cover the UK and also provide penetration testing services in: Birmingham, Brighton, Bristol, Cardiff, Coventry, Glasgow, Hull, Leeds, Liverpool, London, Manchester, Newcastle, Northampton, Nottingham, Plymouth, Portsmouth, Sheffield, Stoke-on-Trent and York.


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- Currency Wars: If this is a battle, the British Pound is on the front lines and taking heavy fire, down close to 10% over the last week against the US dollar and approaching three-decade lows, with the Euro seeing collateral damage against the US dollar and the Japanese Yen.
- Old EU, New EU and the Rest of the World : The damage is greatest in the EU, but even within the EU, it is the old EU countries (primarily West European, that joined the EU prior to 2000) that have borne the biggest pain, with sovereign CDS spreads rising and stock prices falling the most. The new EU countries (mostly East European) have been hurt less than Britain's other trading partners (US, Australia and Canada) and the damage has been muted in emerging markets. At least for the moment, this is more a European crisis first than a global one.
- Banking Problems? Though I have seen news stories suggesting that financial service companies are being hurt more than the rest of the market by Brexit and that smaller companies are feeling the pain more than larger ones, the evidence is not there for either proposition at the global level. At more localized levels, it is entirely possible that it does exist, especially in the UK, where the big banks (RBS, Barclays) have dropped by 30% or more and mid-cap stocks have done far worse than their large-cap counterparts.
- Markets are not just counting machines: One of the oft-touted statements about markets is that they are counting machines, prone to mistakes but not to bias. If nothing else, the way markets behaved in the lead-up to Brexit is evidence that markets collectively can suffer from many of the biases that individual investors are exposed to. For most of the last few months, the British Pound operated as a quasi bet on Brexit, rising as optimism that Remain would prevail rose and falling as the Leave campaign looked like it was succeeding. There was a more direct bet that you would make on Brexit in a gamblers' market, where odds were constantly updated and probabilities could be computed from these odds. Since Brexit was also one of the most highly polled referendums in history, you would expect the gambling to be closely tied to the polling numbers, right? The graph below illustrates the divide. While the odds in the Betfair did move with the polls, the odds of the Leave camp winning never exceeded 40% in the betting market, even as the Leave camp acquired a small lead in the weeks leading up to the vote. In fact, the betting odds were so sticky that they did not shift to the Leave side until almost a third of the votes had been counted. So, why were markets so consistently wrong on this vote? One reason, as this story notes, is that the big bets in these markets were being made by London-based investors tilting the odds in favor of Remain. It is possible that these investors so wanted the Remain vote to win and so separated from this with a different point of view that they were guilty of confirmation bias (looking for pieces of data or opinion that backed their view). In short, Brexit reminds us that markets are weighted, biased counting machines, where if big investors with biases can cause prices to deviate from fair value for extended periods, a lesson perhaps that we learned from value investors piling into Valeant Pharmaceuticals.
- No one listens to the experts (and deservedly so): I have never seen an event where the experts were all so collectively wrong in their predictions and so completely ignored by the public. Economists, policy experts and central banks all inveighed against exiting the EU, arguing that is would be catastrophic, and their warnings fell on deaf years as voters tuned them out. As someone who cringes when called a valuation expert, and finds some of them to be insufferably pompous, I can see why experts have lost their cache. First, in almost every field including economics and finance, expertise has become narrower and more specialized than ever before, leading to prognosticators who are incapable of seeing the big picture. Second, while economic experts have always had a mixed track record on forecasting, their mistakes now are not only more visible but also more public than ever before. Third, the mistakes experts make have become bigger and more common as we have globalized, partly because the interconnections between economies means there are far more uncontrollable variables than in the past. Drawing a parallel to the investment world, even as experts get more forums to be public, their prognostications, predictions and recommendations are getting far less respect than they used to, and deservedly so.
- Narrative beats numbers: One of the themes for this blog for the last few years has been the importance of stories in a world where numbers have become more plentiful. In the Brexit debate, it seemed to me that the Leave side had the more compelling narrative (of a return to an an old Britain that some voters found appealing) and while the Remain side argued that this narrative was not plausible in today's world, its counter consisted mostly of numbers (the costs that Britain would face from Brexit). Looking ahead to similar referendums in other EU countries, I am afraid that the same dynamic is going to play out, since few politicians in any EU country seem to want to make a full-throated defense of being Europeans first.
- Democracy can disappoint (you): The parallels between political and corporate governance are plentiful and Brexit has brought to the surface the age-old debate about the merits of direct democracy. While some (mostly on the winning side) celebrate the power of free will, those who have never trusted people to make reasoned judgments on their futures view the vote as vindication of their fears. In corporate governance, this tussle has been playing out for a while, with those who believe that shareholders, as the owners of public corporations, should control outcomes, at one end, and those who argue that incumbent managers and/or insiders are more knowledgeable about businesses and should therefore be allowed to operate unencumbered, at the other. I am sure that there are many in the corporate world who will look at the Brexit results and cheer for the Facebook/Google model of corporate governance, where shares with different voting rights give insiders control in perpetuity. As someone who has argued strongly for corporate democracy and against entrenching incumbent managers, it would be inconsistent of me to find fault with the British public for voting for Brexit. In a democracy, you will get outcomes you do not like and throwing a tantrum (as some in the Remain camp are doing right now) or threatening to move (to Canada or Switzerland) are not grown-up responses. You may not like the outcome, but as an American political consultant said after his candidate lost an election, "the people have spoken... the bastards".


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In addition to our line of hemp apparel we have developed a full line of sustainable accessories like the new hemp and recycled plastic tote bags, custom hemp and organic cotton wristbands and an extensive selection of premium hemp and organic cotton headwear. Full customization with short lead times is available on most lines.
Fair Hemp has also taken the efficiency of our custom productions and re-invested that back into the environment. For every custom tote, custom t-shirt and/or custom hat you produce with Fair Hemp, we will plant 1 tree through our partnership with Trees for the Future at no additional cost to the customer. This will go a long way to offset the carbon released during the production and transportation of each tote and then some (to be on the safe side).
With Hemp blends perfected we have been hard at work developing fabrics from other eco-friendly fibres including organic wool, soy(limited), organic cotton and recycled plastics. These are currently available in custom productions.
Please Note: We do not work with Bamboo because after extensive testing it seems that it was never really "eco-friendly". It is a man made chemical fiber with many questionable claims (aka greenwash).
Questions? Call us at +1 646-485-0939


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Gloss Metallic White Vinyl Wrap Car PET Liner
Gloss Metallic White Vinyl Wrap Car PET Liner
Our Gloss Metallic White Vinyl Wrap Car PET Liner is available pre-masked and ready to wrap, making it ideal for wrapping new or existing smooth surfaces like wood, glass, plastic and metal. Our premium grade vinyl wraps can be installed by yourself with a squeegee and installing tape. Our exclusive air release channels help prevent air bubbles and add to the easy installation of this high-gloss reflective vinyl.
Face Only Thickness: 3.7-4.1mil
Adhesive Thickness: 1.6mil
Type of film: High-grade polymeric vinyl plastic release liner film
Adhesive: Henkel solvent-based acrylic adhesive
PVC Face Film:90mic
Release liner: Plastic liner, PET, 75mic
Heat Temperature:-30 to +140 degrees
Storing period: 2 years if stored in +10°C to +20°С, relative humidity 50%, in original package, away from direct sunlight, clean and dry place.
Indoor life: 4 years.
Outdoor life: 3 years.
Dimensional stability: shrinkage less than 2%
Chemical Resistance: Resists Most Mild Acids, Mild Alkalis and Salt
1st layer: PET glossy protective film
Enhances the film's smoothness and light perception significantly.
2nd layer: specific vinyl protective film
Add at least 30% more shine to the film's surface while boosting its corrosion resistance.
3rd layer: modified casting grade polyurethane color layer
Make the car vinyl's colours more vibrant and rich.
4th layer: innovative polyvinyl chloride film
Make sure the film is robust and difficult to fade.
5th layer: high-performance low initial viscosity acrylic adhesive
Assured to leave no traces of adhesive, cause no harm, or cause the original automobile paint to peel off.
6th layer: PET German ancient air release craft
Excellent air conduction properties, simpler membrane construction
High Quality Polymeric Calendared Vinyl Film
Trendy, Captivating Color
With Air Release Channel Bubble-free
Application Slideable
Repositionable Medium
Alter the car's colour to something rich and optional that will emphasise your personality.Enhance the your auto body's texture significantly.Tolerance to high temperatures and resistance to oxidation and discoloration.Dependable anti-scratch protection.Your original car's paint is protected from ultraviolet rays, which slows down the ageing process.Effectively hide paint scratches while remaining waterproof and anti-corrosion.The air guide groove module's purpose is to eliminate air bubbles and make installationeasier.Raw materials are environmentally friendly and pollution-free.Durable and high quality and longer life.No adhesive remains, and the original car paint is undamaged.
Application tools: Squeegee, knife, buffer, heat gun, magnets, gloves, IRR thermometer, and IRR heater.
Calendered film application: Typical techniques. There is no need for excessive stretching, overheating or post-heating.
Temperature after heating: flat surfaces at 110°C, curves and overlaps at 130°C
Aftercare: PH-neutral, stay away from wax and solvents
Size recommendations
Sedan/Small Van/Truck Cab:1.52*18M(5*59ft)
Small SUV:1.52*20M(5*65.6ft)
Large SUV/Sedan/MPV/Pickck Truck:1.52*23M(5*75.4ft)
Large Van:1.52*25M(5*82ft)
Terms of Delivery
The package will be sent by international express, UPS, FedEx, and DHL. The shipping time is about 5-7 days. All price doesn't include taxes and duties. If you have any questions, Please help to contact us.
About the Color
Due to different shooting angles and shooting instruments, there may be slight differences in color, The images, colors, and finishes on screen are approximate.please refer to the actual product received.


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Oxbow Western Timothy Harvest Stacks
Oxbow Harvest Stacks are the latest in hay innovation. Using special compression technology, we transform 100% all-natural, hand-sorted Oxbow Western Timothy hay into compact, convenient-to-feed portions which produce 80% less airborne dust than loose hay when fed according to instructions. Feed Harvest Stacks as a primary hay source or supplement with loose hay to encourage enrichment. Harvest Stacks make a great feeding option when traveling or anytime storage space is limited.
Size: 35 oz.
Product Highlights:
- Convenient, compact portions save space and mess
- 80% less airborne dust than loose hay
- All-natural – no additives or binders
- Hand selected and sorted


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Watch Pat, Terry, and Gordon on your iPod as they bring you amazing stories and celebrity interviews.
Have you experienced the presence of God?
Ron DiCianni: Painting the Resurrection?
Become a CBN partner and receive The Transforming Word: Verses to Overcome Fear and Experience Peace, our special DVD/CD gift to you. CBN Partners are making a difference sharing the Gospel of Jesus Christ. Find out how.
Mark Franzman: Literally, A Walking Testimony
Bill Yeros: Running with the Devil
Mark Jones: Finding God in the Balance
CBN.com When John Collier was a child, his house was not a home. It was more like a battle zone.
"My father had a background of violence," John tells The 700 Club. "He abused alcohol and drugs. He was a womanizer, and he pretty much terrorized our home."
John's anger toward his father grew. He stayed in trouble at school and ran away from home twice.
"There was always that little boy in me that loved my dad. Then there was that other side of me that started to hate him and never want to be anything like he was."
John was only eight when his parents divorced. While his mom loved him, she could no longer handle him.
"I didn't realize that John had so much anger inside of him," Mary Toneff, his mother, says. "I know that he liked to kind of fight, and then John started getting into trouble."
After a failed attempt at running away, the police officer that brought him home left a lasting impression on the young boy. John saw something in this stranger that he never saw in his dad.
"That police officer actually seemed to care about me or take an interest in me," he says. "When he did, I wanted to be like him. I saw him as the hero. So that's something I wanted to pursue. I wanted to pursue a career in law enforcement."
John was eventually placed in a foster home. His foster parents gave him the support and guidance he needed, but the anger was always just below the surface.
"I wanted to be everything my father wasn't. I think that part of that anger and that hatred I carried propelled me to be like an over-achiever. It accelerated this something in me. It drove me."
After college, he started a career as an Indiana state trooper. Meanwhile, during this time, his dad was in and out of prison. His mom had become a Christian and reached out to her son.
Mary recalls, "I was so proud of him becoming a state trooper, but right down deep in my heart, I wanted him to know Jesus. At every chance I got, I would witness to John about how the Lord had transformed my life."
John wasn't interested in his mother's faith. His main focus was his work as a state trooper, where his service was exemplary.
"I had received a lot of awards from the superintendent," John says. "I'd been assigned to the governor's detail. It was like everything I did was to basically just credit myself, pat myself on the back."
But, after a heated dispute with a supervisor, the model officer found that the rebellion he had as a child was still there.
"Something kind of rose up inside of me, something I couldn't quite understand and I couldn't control. I resented those who were in authority over me that I worked for, and so I began to act out. Part of that was through alcohol and then I started using drugs. I became like a rogue cop, just kinda doing my own thing. People that I would stop on the highway, if they had drugs in their possession, instead of arresting them like I had done in the past, I would take their drugs. If they had their money, I would take that, and I would say, 'Hit the road.'"
One day, John's mother got a visit from the police. He was under investigation. She says, "They were telling me about John and I couldn't believe it. I said, 'My son's a great state trooper. He's got all kinds of awards and everything. You can't be talking about the same person!' I was devastated. I couldn't believe that this was really truly happening."
John lost his badge, and his respect for the law.
"I had skills I had learned as a police officer and I used those skills to begin breaking into businesses, taverns and grocery stores, those types of business where I knew there would be cash on hand," John says.
He was caught breaking into a store and was sentenced to 18 months behind bars. After his release, he tried to stay clean, but the lure of fast money was too great. One night, he cracked open the safe at a local business. Just as he was about to empty it out, the police showed up. John ran.
"They chased me probably for 30 minutes or so, and they caught up to me. Then I knew it was over for me."
As a repeat offender, John was given 8 to 15 years. It was just too much for his mother to take.
"The first time you say, 'I forgive.' The second time I was very adamant about not wanting him in my life every again. As far as I was concerned, I didn't have a son anymore," Mary says.
John responds, "I felt pretty much rejected by the whole world at that time, and I just wanted my life to be over."
A prison chaplain began visiting John, sharing the message of God's love and forgiveness of sins. That reminded John of his mom's words.
"I remember what she had told me about the Lord and how He loved me and how He had a life for me," John says. "I'd been in jail about four months, and I gave my life to Jesus Christ. I just decided that it was time for me to turn my life over to Him and put my life in His hands."
His mother knew he needed her, but she couldn't forgive him.
"I said, 'I'm not going. I don't want anything to do with him.' I was very adamant about that," Mary says. "The Lord spoke to me and said, 'He is flesh of your flesh and bone of your bone, and to deny him is to deny Me.'"
John says, "She came to see me some time later, and we began to build a new relationship. It developed and grew out of a common bond, and that became Christ."
John was released from prison after eight years. By then his father was on his deathbed. John went to him with a message.
"I said, 'Dad, I'm here because God sent me to see you. If I die today, I know where I'm going. If you died today, I want you to know where you're going.' I prayed with my father, and he accepted Christ. After that day God used me to disciple my father up 'till the day he died."
John started an outreach ministry to prisoners. He also met his wife Laurie in church. He knows that his life has been changed by the faithfulness of God and a praying mother.
"It took several years for this mother to continue to pray, but John is where he's at now," Mary says. "He's preaching. He's teaching. Praise God! Wonderful things have happened in his life."
"I'm so grateful that God has always been there for me through the good and the bad," John says. "One thing I can honestly say is my best day without Jesus was never as good as my worst day with the Lord."
A caring friend will be there to pray with you in your time of need.


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Let's make things clear. What I want to talk here about the client is when the website design company is about to make some website for business purposes. Whether it's personal website or for a company, as long as it was built for business, then come in and join me to discuss it here.
About The Beginner Client
For website design company, when they meet any client, the professional one will give anything to satisfy the client and make the client love them. Even though the client has too many requests, doesn't understand the business they want to build or perhaps just an evil client who does inappropriate behavior to us. It feels like they emerge from the underworld. But we all have to deal with it, right?
But since that evil client is hard to deal, in this article, I just want to discuss the beginner client. A client who still doesn't know how the website business works, yet they have a passion to make it happen and come to you to get some backup.
So here is the thing. If you want to know how to deal with beginner client, first, you have to know what kind of problems they have. This is important since you should know where you take the first step. You have to know your starting point so that it will easier for both website design company and its client to calculate the next phase.
That's why, I will spell out about the problems first, and then the general solution to deal with it. My solution is not specific because it could be developed more by yourself.
Problems and Solution
Client's Background and DNA
First thing first, you need to ask the client's background. Is this their first time to start up a website? Why did they want to start an online business? Their fundamental drive is important because online business nowadays is not that easy. The competition is very rough, like…
"Dude, when you start to jump into this business field, you will face the whole world. Some people will be your partner and walk alongside you, but some other people try to destroy you and your business, literally."
Also, you need their background to clear up your point of view about your client. Just to make sure whether you could continue this project or just let it go and find another client as your business partner. Since not every company has the perfect resource to fulfill every client's dream. Take the chance measurably.
DNA or the core value of your client's company and product. In marketing approach, when it comes to production, you have to find the core product or the core value to help you develop the product design, brand, and its positioning.
Business Model
We all know that there are so many types of website. Let's take a look! Here are some type of website:
- Blogging
- E-commerce
- Encyclopedia
- File hosting service
- Image sharing
- Microblogging
- News
- Online shopping
- Payment system
- Photo sharing
- Search engine
- Social networking or social media
- Video sharing
But of course, not every type will be your business model. The client need to make sure what kind of business model they should take. That's why we need to know the client's background and DNA. From there we can assume and start to develop some option. The website design company also need to guide them until they find what they want.
For example, if they choose to make an e-commerce store, then they should know how the e-commerce business model works. The website design company should give some quick lesson and ask the client to keep learning by themselves. You can ask the client to read more about e-commerce on the internet or from books. If you have some time, you can make some tutorial video about e-commerce store as well. This could be the competitive advantage for your website design company because you care about the client's difficulties, even though they are a beginner.
Technical Problem
Not everyone knows how a website works. Even the client who wants to start their business by making website sometimes doesn't even know what is a website, why they choose a website or how the system of the website works. Well, that's okay. Honestly, they don't have to be a tech-savvy to start a business. As long as the website design company is professional, they could put their trust in the website design company. They could learn basic web design and development from the internet while the company develop their website as well.
If the client a marketing background, then you can take a breath and just need to explain how digital marketing works. At least they could connect each lesson to their background and start to set up their own style of marketing.
But if the client doesn't have anything about marketing at their disposal, then you just need to work harder. Explain simple stuff like content making and promotion strategy. You could discuss the rest of the website is ready to go live. The client could learn about marketing while us, the website design company, design and develop the website that they had ordered.
For the website design company, you should consider evaluating your workflow. Therefore you can see every single step you take when you encounter new client and what kind of service that you had given to them. Especially if they are a beginner, then you should be more careful when you give you service. All the problems above could become your stepping stone to gain more clients.
For client or e-commerce starter, the most important thing is that you should find and choose the best website design company that could hear all your problems patiently and give you the perfect solution to every problem.
And to all new clients who still don't find your website design company yet, you can try to hire your own here. You can see our workflow and transparency everytime you want. And it will guide you to get you to the next level of website business.
P.S. in my next article, I will explain about that website design company. So stay tuned!


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PICV Assembly 2 Way 1 in. Threaded
done_outline8888 in stock
addShow Locations
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5 Cv, Pressure Independent Control Valve, Stainless Steel, Direct Coupled Actuator, 44 lb-in., Non- Fail Safe, 24 VAC, 6 VA Rating, Floating, Two Position SPDT.
Sizes From 1/2 To 3 in. w/Internal (Female) NTP Connections.
Upstream Test Port For Venting Or Pressure Gauge Attachment.
Three Actuator Orientations On The Valve For Cramped Spaces.
Integral Snubber Eli mates Effect Of System Pressure Fluctuations And Entrapped Air While Improving Flow Performance.
Controls Hot or Chilled Water w/Up To 50% Glycol.
Regulated Flow Rates Available From 1 To 95 gpm.
Differential Pressure Regulator For Constant Pressure Drop Across Valve Seat.
Positive Pressure, Rolling Diaphragm Regulator Design For Flow Control Ball Insert.
Multiple Maximum Flow Rates Available Per Valve Size.
Patented Ball Seals For Low Operating Torque.
Spring Return Actuators Field-Configurable For Normally Open Or Normally Closed Fail-Safe Position.
Removable, Manual Operating Handle To Control Valve During Installation Or In An Event Of Power Failure.
Technical Details
Hot Or Chilled Water w/Up To 50% Glycol
Flow Characteristic
Equal Percentage
Operating Temperature
-5 F To 140 F (-30 C To 80 C)
Close-Off Pressure
100 psid
Power Consumption
Auxiliary Switches
Direct Coupled


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As far as I know, President Barack Obama never said that if you like your life insurance options, you can keep them. He may therefore get off the hook as a deceiver if the Dodd-Frank regulatory law does what is now plotted, though he will still share responsibility for the insurance provision that along with others could bloody lots of noses.
A conglomeration of marketplace interventions lovingly promoted by the president, Dodd-Frank is slowly but surely headed our way. It's true that different agencies had been too busy bumping into each other and wrestling with complicated passages to get all the rules written, but Obama called the regulators in to tell them, by golly, to start regulating. And so, befuddled or not, the regulators are coming.
The idea behind the law – officially known as the Wall Street Reform and Consumer Protection Act – is to make sure we never have another financial crisis of the kind we had in 2008. It was supposed to address the issue of too big to fail, does so only questionably and is ultra-filled with a jumble of bureaucratically empowering irrelevancies and potentially damaging guesstimates. This collaboration of the intellectually presumptuous and the ideologically driven is finally too big to succeed.
One of its inexcusable forays has been to include some life insurance companies among institutions regarded as posing threats to the financial system if something goes terribly awry. A not infinitesimal issue is that they do no such thing.
If companies failed in insurance pursuits, many people would suffer, but the financial system would not be affected in a major way. It is additionally observed that states have done a reputable job overseeing them and that the companies themselves have done a remarkable job of sound, alert management. Intervene foolishly, and, as Iain Murray of the Competitive Enterprise Institute has written with reference to a study, purchasers could someday have fewer choices in policies that could also cost more and return less.
Members of both parties in Congress are wise to this stupidity and just maybe, conceivably, will do some little something about it, though that would be a meager start to what is really needed. We need bold, enlightened souls to further reshape Dodd-Frank and, beyond that, to reduce the rest of our egregious regulatory excess. Right now the mishmash exceeds an astounding 134,000 pages of federal rules that are more than a little punishing, as an underpublicized study underlines.
Two economists (John Dawson and John Seater) estimated that federal regulations promulgated over the past 60 years may have made Americans about one-fourth as well-off as we would be without them. If, then, you want some rough notion of what a more liberated economy might possibly have done for you, multiply your current income by four.
But wait. Weren't many of those regulations really, truly needed? Yes, of course. But many weren't and are constitutional affronts. As a Wall Street Journal series showed, a vast number have even led to criminal charges against people who could not possibly have known they were violating any stricture, a practice aspiring to despotism.
Look, too, at how nothing is too tiny to generate colossal governmental consternation. Right now, the Federal Trade Commission is going after a 137-year-old, nonprofit music association for suggesting to its members – mostly piano teachers – that they shouldn't try to recruit students from each other. A Journal columnist, Kim Strassel, notes that the group has had to a turn over thousands of documents, sign a silliness-ridden consent decree and submit to a burdensome, costly 20-year antitrust compliance program.And for what? Proffering an admonishment.
It's craziness that won't affect most of us the way new life insurance rules might and Obamacare is increasingly doing, but helps describe the current reign of in-your-face bullies.
Jay Ambrose, formerly Washington director of editorial policy for Scripps Howard newspapers and the editor of dailies in El Paso, Texas, and Denver, is a columnist living in Colorado and a senior fellow at the Independence Institute. Email email@example.com.


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Avg. UNSUBSIDIZED Indy Mkt Rate Hikes: 25% (49 states + DC)
UPDATE 10/27/16: See below for FINAL update (for real!)
UPDATE 10/19/16: As you can see, I've locked in the approved weighted average rate hikes for 40 states plus DC, leaving 10 states to go. I do plan on filling in the remaining approved rate hikes as the data for those 10 states comes in, but at this point it's quite clear that 25% is the magic number. The weighted average has been hovering between the 23-26% range since the first few approvals started being publicized in mid-August, and has stabilized in the 24-25% range for the past month. Over 77% of the total U.S. population is represented by these 40 states (+DC); unless there's some dramatic final rate changes in the remaining 10 states, that national 25% average isn't likely to budge by more than a rounding error.
As proof of this, I assumed that the requested rate hikes are approved exactly as is for all 10 states.
Result? The national, weighted average rate hikes went from 25.25%...to 25.36%.
But what if the largest missing state, Texas, were to go from an already-ugly 38.1% requested hike to, say, ten points higher (48.1%)? Well, that would only bump the national average up to 26.3% overall. In fact, even if all 10 states come in 10 points higher than their requests, the net effect would only be to push the national average up to 27.5%. Of course, if any of the states have their requests trimmed by a point or two, that would have the opposite effect.
In short, barring any dramatic last-minute development in one or more large states, nationally speaking, 25% is where unsubsidized, ACA-compliant individual market rate hikes are for 2017. With the 2017 Open Enrollment Period bearing down upon us at breakneck speed, it's time to close the books on this project and move on to the original purpose of this website: Tracking the actual enrollment numbers.
NOTE: Scroll down for updates as more states are added to average.
After I posted my "I'm Calling It!" post last week re. the 2017 requested rate hikes for the ACA-compliant individual market, I noted that since I originally crunched the numbers for some states as far back as April, the situation in some states has likely changed somewhat due to carriers dropping out, joining in or re-submitting their rate request filings.
Since it would take 10x as much time as it does now (which is already a lot) to recreate the tables and graphs every time there's a change, I've been holding off on doing so until I've accounted for several states...which is what I'm doing here.
There have been significant changes to the requested rate filings in at least four states: Arizona, Connecticut, Maryland and Tennessee. In all four cases, I'm afraid the statewide weighted average has increased, either due to resubmitted filings, a carrier dropping out or both.
As a result of these updates, the national average increase requested now stands at 23.9%, up from the previous average of 23.3%.
Normally an increase of just 0.6 percentage points wouldn't be enough for me to write up a full post, but there's a second new feature I'm adding today as well: APPROVED rate hikes. At least 5 state insurance departments/commissioners have now signed off on their approved rates for 2017 individual market policy rates, which is enough for me to start plugging in the approved rate data: Mississippi, New York, Oregon, Rhode Island and Vermont. Of course, several of these states are pretty small; combined all 5 only make up around 6.3% of the total population...the numbers will no doubt jump around quite a bit as additional, larger states are plugged into the mix.
As I keep reiterating, there are many caveats to these "statewide weighted averages":
- Off-exchange policies are included whenever possible, but only if they're ACA-compliant (grandfathered/transitional plans are in a different risk pool anyway). The ACA-compliant individual market totals roughly 18-19 million people nationally (11 million on-exchange, another 7-8 million off-exchange). Grandfathered/Transitional plans likely total around 2-3 million more.
- Only individual market policies are included (there's a few states where the small group market has been merged with the individual market risk-pool wise, but I only include indy enrollees for purposes of weighting). The small group market was around 13.5 million people, according to Mark Farrah Associates.
- Some carriers are pulling out of either specific counties or entire states next year, or are dropping certain plans while keeping others. There's no way of estimating the "average rate increase" for anyone who's losing their existing plan altogether.
- Some states are based on very rough, partial data; for these I've used my best efforts to calculate an educated guesstimate based on available data.
- In some cases, estimates that I ran as recently as a few weeks ago may prove obsolete. For instance, Aetna is currently planning on renewing policies in 15 states...but also just announced that they may pull out of some or all of these. If they do, I'd have to go back and remove some or all of the Aetna data from those states (depending on whether they drop the entire state or just certain counties).
- AGAIN, none of these data have ANYTHING to do with deductibles, co-pays or network size. Those are all important factors, but I simply can't take them into account here.
- I can't stress the importance of this enough: These average rate hikes are only valid if one assumes that 100% of all current enrollees in each state renew their existing policy (where those policies are still being offered next year). This will not end up being the case, of course; in addition to the 2 million or so people who will have no choice but to shop around (due to co-ops going out of business, UnitedHealthcare/Humana pulling out of their state, other carriers dropping plans, etc), there will naturally be a large chunk of people who choose to shop around for different policies next year, either due to changing circumstances at their end or for simple comparison shopping purpose.
- UPDATE: As Margot Sanger-Katz reminded me, the flip side of this is that these requests also don't reflect the cost of any new plans being offered next year (either from new entrants or from existing carriers replacing existing plans or adding new ones).
- Finally, as of this writing, the actual 2017 rates have only been approved in five states (Mississippi, New York, Oregon, Rhode Island and Vermont). I've included those three in the tables below, but the sorting/color-coding is based (for now) on the requested rates only. As more state insurance commissioners post approved rates, I'll start posting them side by side with the requests so people can compare the before/after differences.
WITH ALL THAT IN MIND, here's what the numbers look like:
When you plug in both the revised statewide requested rate hikes (noted in pink below) along with the approved average hikes for these 5 states, here's what the table looks like. Note that the extra columns make it too unwieldy to line the 3 weighting tables up side by side anymore, so they're listed single-column below.
UPDATE 08/21/16: I've added Kentucky and Arkansas to the tables...they effectively cancel each other out, with KY bumping things up a point and AR dropping it back down again, so the overall average remains at around 17%.
UPDATE 08/23/16: I've updated a bunch of requested rate hikes for various states after removing Aetna and a few other carriers which are dropping out next year. In addition, I've added Tennesse to the approved rate hike tables; with a whopping 60% and no smaller-hike states added to balance it out, this skews the average to around 25.6% across 8 states (representing about 10% of the total population). Again, bear in mind that this number will continue to jump around every time a new state is added--California, with over 12% of the population regardless of how you slice it, will knock the national average down considerably once their approved rates are factored in.
UPDATE 08/24/16: I've added Georgia, for a total of 9 states representing about 14.8% of the total population. In addition, I've made adjustments to Virginia, Indiana and Michigan:
UPDATE 08/26/16: I've added Illinois and Indiana, for a total of 11 states representing about 20% of the total population. Again, the Tennessee and Illinois hikes skew the average much higher; once states like California and Florida are plugged in, the overall average should drop back down again:
UPDATE 08/30/16: I've added Iowa, for a total of 12 states representing about 21% of the population:
UPDATE 09/05/16: I've updated the requested averages in Arizona and New Hampshire, while adding the approved rates in Florida and Maine, so I now have approved rates for 31% of the population:
UPDATE 09/08/16: I've added the approved rates in Nebraska, Washington State and New Mexico (where I also had to update the requested rates), so I now have approved rates for 35% of the population:
UPDATE 09/14/16: I've made updates to the requested rates in several states and have added approved rates in Maryland and Connecticut, so I now have approved rates for states representing 37% of the population:
UPDATE 09/22/16: I've updated the requested rates in Idaho and have added approved rates in Colorado and Idaho, so I now have approved rates for states representing 40% of the population:
UPDATE 09/29/16: I've updated various requested rate hikes and/or modified approved rate hikes in Indiana, Iowa, Maine and Tennessee, while also adding approved rate hikes in Massachusetts, Montana, North Dakota and South Dakota, so I now have approved rate changes for 25 states representing 42% of the population. (Late update: I also have the official approved District of Columbia rates now):
UPDATE 10/06/16: I've added three more states to the mix. Two of them have very ugly hikes (Minnesota and Oklahoma)...but the third state is California, whose (relatively) low rate hikes and massive population effectively "cancels out" those two (on a national level). As a result, I now have approved rate hikes for 28 states representing 57% of the population:
UPDATE 10/06/16: Delaware's approved rates were just released, so I now have approved (unsubsidized) rate hikes for 29 states covering 58% of the population:
UPDATE 10/07/16: I've plugged in both Kansas and Nevada (and it looks like I somehow undercounted by 1 state earlier), so I now have the approved, unsubsidized rate hikes for 32 states covering 59% of the population:
UPDATE 10/13/16: I've added Alaska, Hawaii, Wisconsin and Utah, as well as updating Arkansas (down!) and Oregon (up!). This brings the approved tally up to 36 states covering 63% of the population:
UPDATE 10/14/16: BCBS of North Carolina has confirmed their 2017 rates. This brings the approved tally up to 37 states covering 2/3 of the U.S. population:
UPDATE 10/16/16: Alabama's 36.1% unsubsidized hike has been approved, so that's 38 states accounted for. New Hampshire's requested average is also updated:
UPDATE 10/17/16: Two major pieces of the puzzle filled in: Pennsylvania and Michigan have both posted their approved indy market rates for 2017, bringing the tally to 40 states covering 75% of the population:
UPDATE 10/17/16: A third major gap filled today: Arizona's DOI also issued their final rate increases, so that's 41 states covering 77% of the population:
UPDATE 10/25/16: With just 1 week to go and Window Shopping having gone live on HealthCare.Gov, this will be the final update (for real!) to this page: I've been able to plug in 5 of the 10 missing states all in one shot, including Missouri, New Jersey, Texas, West Virginia and Wyoming. Adding all of these nudges the national weighted average up to 25.6%. However, as noted here, assuming the remaining 5 states come in at the same as their requested averages, the national average will still end up just below the 25% threshold:
UPDATE 10/27/16: (sigh) OK, I was actually able to plug in the final approved numbers for both South Carolina and Ohio, as well as a corrected number for Washington State. As expected, this has resulted in the national average nudging back down slightly. I now have approved rates for every state except Louisiana, New Hampshire and Virginia:
UPDATE 10/28/16: Annnnnnnd now I've plugged in New Hampshire and Virginia. This leaves just Louisiana as the odd man out:
When you average all three methods together, the weighted UNSUBSIDIZED approved rate hike average for EVERY state except for Louisiana comes in at 25.1%:


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If you're interested in painting, drawing, and illustrating, we have the perfect Saturday lined up! It'll be a great time with laughter, conversation, creativity, and the space to stretch out! It's an open paint! All are welcome, including the public, family, and friends! It's free!
If the weather is nice out, visitors can also embark on an Uxbridge sketch walk. We have the maps all ready.
The Great Gifts Art Show is currently live! Come on out and see it!
Saturday, December 22nd, 2018
10am – 3pm
BVAA Alternatives Uxbridge Community Gallery
5 South Main Street
Uxbridge, MA 01569
Our Saturdays at the gallery include an open paint session where all styles of art are warmly welcome. Whether you're 12 or 102, whether you're a new beginner or a seasoned artist, we would love to have you. It's completely free to participate in the open paint. You can bring your own paints or we'll have watercolors and brushes to share.
There is a TON of free parking immediately next to this building. It is fully and easily handicapped accessible.
BVAA Alternatives Uxbridge Community Art Gallery Information
Feel free to show up for some or all of the day to paint. Some come for just the morning, some for the afternoon, and some for the entire time. There are several options on the same block to grab lunch if you'd like. We also bring in a pizza and those who want slices chip in a few dollars.
Ask with any questions – we'd love to have you join us!


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Board Documents
Our Board of Directors is comprised of dedicated civic and community leaders who volunteer their time and energy to help ensure that Prevail Academy is transforming the lives of students and enriching communities by delivering high-quality educational choice to families. For a listing of our Board members, please visit the Leadership page.
If you are interested in serving on the Board, please attend an upcoming Board meeting to learn more about this service opportunity. The schedule of Board meeting dates can be found below.
Board Calendar
The Board Calendar contains the list of Board meeting dates and times for the current school year. The Board Calendar is subject to change. Please check with our office staff to confirm dates and times.
Board Meeting Notices
The Board Meeting Notices notify the public of any special, rescheduled, or canceled Board meetings for the current school year.
Board Governing Documents
Charter ContractThe Charter Contract is the agreement between our Board and Authorizer, which details the Authorizer's expectations and the responsibilities of the Board.
Services Agreement
The Services Agreement is the agreement between our Board and its educational service provider, National Heritage Academies (NHA). This agreement outlines the terms, conditions, and expectations of the relationship between our Board and NHA. Our Board partners with NHA to operate our school.
Board Policies
The Board Policies are adopted by our Board and updated as necessary.
Board Meeting Documents
Board Meeting MinutesThe Board approved, signed Board Meeting Minutes for the prior school year and current school year. The most recent set of Board Meeting Minutes are proposed, draft minutes until they are approved and signed by the Board.
Board Agenda
The Board Meeting Agenda is for the next Board Meeting.


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Wong Kong Ying et al
As part of the Chinese Historical Wrongs Legacy Initiative, we've digitized a small selection of inquests and inquiries from 1872 to 1934, found in series GR-0431. These were chosen to reflect the experiences of early Chinese immigrants to B.C. – their living and working conditions, and their unfortunate accidental or unusual deaths. They range from a woman working in a brothel in Barkerville who died of natural causes to three sawmill workers who died from malnutrition. Learn more.
*All transcriptions are provided by volunteers, and the accuracy of the transcriptions is not guaranteed. Please be sure to verify the information by viewing the image record, or visiting the BC Archives in person.
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Chapter XV - Sandy's Tale
"And so I'm proprietor of some knights," said I, as we rode off. "Who would ever have supposed that I should live to list up assets of that sort. I shan't know what to do with them; unless I raffle them off. How many of them are there, Sandy?"
"Seven, please you, sir, and their squires."
"It is a good haul. Who are they? Where do they hang out?"
"Where do they hang out?"
"Yes, where do they live?"
"Ah, I understood thee not. That will I tell eftsoons." Then she said musingly, and softly, turning the words daintily over her tongue: "Hang they out--hang they out--where hang--where do they hang out; eh, right so; where do they hang out. Of a truth the phrase hath a fair and winsome grace, and is prettily worded withal. I will repeat it anon and anon in mine idlesse, whereby I may peradventure learn it. Where do they hang out. Even so! already it falleth trippingly from my tongue, and forasmuch as--"
"Don't forget the cowboys, Sandy."
"Yes; the knights, you know: You were going to tell me about them. A while back, you remember. Figuratively speaking, game's called."
"Yes, yes, yes! Go to the bat. I mean, get to work on your statistics, and don't burn so much kindling getting your fire started. Tell me about the knights."
"I will well, and lightly will begin. So they two departed and rode into a great forest. And--"
"Great Scott!"
You see, I recognized my mistake at once. I had set her works a-going; it was my own fault; she would be thirty days getting down to those facts. And she generally began without a preface and finished without a result. If you interrupted her she would either go right along without noticing, or answer with a couple of words, and go back and say the sentence over again. So, interruptions only did harm; and yet I had to interrupt, and interrupt pretty frequently, too, in order to save my life; a person would die if he let her monotony drip on him right along all day.
"Great Scott!" I said in my distress. She went right back and began over again:
"So they two departed and rode into a great forest. And--"
"Which two?"
"Sir Gawaine and Sir Uwaine. And so they came to an abbey of monks, and there were well lodged. So on the morn they heard their masses in the abbey, and so they rode forth till they came to a great forest; then was Sir Gawaine ware in a valley by a turret, of twelve fair damsels, and two knights armed on great horses, and the damsels went to and fro by a tree. And then was Sir Gawaine ware how there hung a white shield on that tree, and ever as the damsels came by it they spit upon it, and some threw mire upon the shield--"
"Now, if I hadn't seen the like myself in this country, Sandy, I wouldn't believe it. But I've seen it, and I can just see those creatures now, parading before that shield and acting like that. The women here do certainly act like all possessed. Yes, and I mean your best, too, society's very choicest brands. The humblest hello-girl along ten thousand miles of wire could teach gentleness, patience, modesty, manners, to the highest duchess in Arthur's land."
"Yes, but don't you ask me to explain; it's a new kind of a girl; they don't have them here; one often speaks sharply to them when they are not the least in fault, and he can't get over feeling sorry for it and ashamed of himself in thirteen hundred years, it's such shabby mean conduct and so unprovoked; the fact is, no gentleman ever does it--though I--well, I myself, if I've got to confess--"
"Peradventure she--"
"Never mind her; never mind her; I tell you I couldn't ever explain her so you would understand."
"Even so be it, sith ye are so minded. Then Sir Gawaine and Sir Uwaine went and saluted them, and asked them why they did that despite to the shield. Sirs, said the damsels, we shall tell you. There is a knight in this country that owneth this white shield, and he is a passing good man of his hands, but he hateth all ladies and gentlewomen, and therefore we do all this despite to the shield. I will say you, said Sir Gawaine, it beseemeth evil a good knight to despise all ladies and gentlewomen, and peradventure though he hate you he hath some cause, and peradventure he loveth in some other places ladies and gentlewomen, and to be loved again, and he such a man of prowess as ye speak of--"
"Man of prowess--yes, that is the man to please them, Sandy. Man of brains--that is a thing they never think of. Tom Sayers --John Heenan--John L. Sullivan--pity but you could be here. You would have your legs under the Round Table and a 'Sir' in front of your names within the twenty-four hours; and you could bring about a new distribution of the married princesses and duchesses of the Court in another twenty-four. The fact is, it is just a sort of polished-up court of Comanches, and there isn't a squaw in it who doesn't stand ready at the dropping of a hat to desert to the buck with the biggest string of scalps at his belt."
"--and he be such a man of prowess as ye speak of, said Sir Gawaine. Now, what is his name? Sir, said they, his name is Marhaus the king's son of Ireland."
"Son of the king of Ireland, you mean; the other form doesn't mean anything. And look out and hold on tight, now, we must jump this gully.... There, we are all right now. This horse belongs in the circus; he is born before his time."
"I know him well, said Sir Uwaine, he is a passing good knight as any is on live."
"On live. If you've got a fault in the world, Sandy, it is that you are a shade too archaic. But it isn't any matter."
"--for I saw him once proved at a justs where many knights were gathered, and that time there might no man withstand him. Ah, said Sir Gawaine, damsels, methinketh ye are to blame, for it is to suppose he that hung that shield there will not be long therefrom, and then may those knights match him on horseback, and that is more your worship than thus; for I will abide no longer to see a knight's shield dishonored. And therewith Sir Uwaine and Sir Gawaine departed a little from them, and then were they ware where Sir Marhaus came riding on a great horse straight toward them. And when the twelve damsels saw Sir Marhaus they fled into the turret as they were wild, so that some of them fell by the way. Then the one of the knights of the tower dressed his shield, and said on high, Sir Marhaus defend thee. And so they ran together that the knight brake his spear on Marhaus, and Sir Marhaus smote him so hard that he brake his neck and the horse's back--"
"Well, that is just the trouble about this state of things, it ruins so many horses."
"That saw the other knight of the turret, and dressed him toward Marhaus, and they went so eagerly together, that the knight of the turret was soon smitten down, horse and man, stark dead--"
"Another horse gone; I tell you it is a custom that ought to be broken up. I don't see how people with any feeling can applaud and support it."
. . . .
"So these two knights came together with great random--"
I saw that I had been asleep and missed a chapter, but I didn't say anything. I judged that the Irish knight was in trouble with the visitors by this time, and this turned out to be the case.
"--that Sir Uwaine smote Sir Marhaus that his spear brast in pieces on the shield, and Sir Marhaus smote him so sore that horse and man he bare to the earth, and hurt Sir Uwaine on the left side--"
"The truth is, Alisande, these archaics are a little too simple; the vocabulary is too limited, and so, by consequence, descriptions suffer in the matter of variety; they run too much to level Saharas of fact, and not enough to picturesque detail; this throws about them a certain air of the monotonous; in fact the fights are all alike: a couple of people come together with great random --random is a good word, and so is exegesis, for that matter, and so is holocaust, and defalcation, and usufruct and a hundred others, but land! a body ought to discriminate--they come together with great random, and a spear is brast, and one party brake his shield and the other one goes down, horse and man, over his horse-tail and brake his neck, and then the next candidate comes randoming in, and brast his spear, and the other man brast his shield, and down he goes, horse and man, over his horse-tail, and brake his neck, and then there's another elected, and another and another and still another, till the material is all used up; and when you come to figure up results, you can't tell one fight from another, nor who whipped; and as a picture, of living, raging, roaring battle, sho! why, it's pale and noiseless--just ghosts scuffling in a fog. Dear me, what would this barren vocabulary get out of the mightiest spectacle?--the burning of Rome in Nero's time, for instance? Why, it would merely say, 'Town burned down; no insurance; boy brast a window, fireman brake his neck!' Why, that ain't a picture!"
It was a good deal of a lecture, I thought, but it didn't disturb Sandy, didn't turn a feather; her steam soared steadily up again, the minute I took off the lid:
"Then Sir Marhaus turned his horse and rode toward Gawaine with his spear. And when Sir Gawaine saw that, he dressed his shield, and they aventred their spears, and they came together with all the might of their horses, that either knight smote other so hard in the midst of their shields, but Sir Gawaine's spear brake--"
"I knew it would."
--"but Sir Marhaus's spear held; and therewith Sir Gawaine and his horse rushed down to the earth--"
"Just so--and brake his back."
--"and lightly Sir Gawaine rose upon his feet and pulled out his sword, and dressed him toward Sir Marhaus on foot, and therewith either came unto other eagerly, and smote together with their swords, that their shields flew in cantels, and they bruised their helms and their hauberks, and wounded either other. But Sir Gawaine, fro it passed nine of the clock, waxed by the space of three hours ever stronger and stronger and thrice his might was increased. All this espied Sir Marhaus, and had great wonder how his might increased, and so they wounded other passing sore; and then when it was come noon--"
The pelting sing-song of it carried me forward to scenes and sounds of my boyhood days:
"N-e-e-ew Haven! ten minutes for refreshments--knductr'll strike the gong-bell two minutes before train leaves--passengers for the Shore line please take seats in the rear k'yar, this k'yar don't go no furder--ahh-pls, aw-rnjz, b'nanners, s-a-n-d'ches, p--op-corn!"
--"and waxed past noon and drew toward evensong. Sir Gawaine's strength feebled and waxed passing faint, that unnethes he might dure any longer, and Sir Marhaus was then bigger and bigger--"
"Which strained his armor, of course; and yet little would one of these people mind a small thing like that."
--"and so, Sir Knight, said Sir Marhaus, I have well felt that ye are a passing good knight, and a marvelous man of might as ever I felt any, while it lasteth, and our quarrels are not great, and therefore it were a pity to do you hurt, for I feel you are passing feeble. Ah, said Sir Gawaine, gentle knight, ye say the word that I should say. And therewith they took off their helms and either kissed other, and there they swore together either to love other as brethren--"
But I lost the thread there, and dozed off to slumber, thinking about what a pity it was that men with such superb strength --strength enabling them to stand up cased in cruelly burdensome iron and drenched with perspiration, and hack and batter and bang each other for six hours on a stretch--should not have been born at a time when they could put it to some useful purpose. Take a jackass, for instance: a jackass has that kind of strength, and puts it to a useful purpose, and is valuable to this world because he is a jackass; but a nobleman is not valuable because he is a jackass. It is a mixture that is always ineffectual, and should never have been attempted in the first place. And yet, once you start a mistake, the trouble is done and you never know what is going to come of it.
When I came to myself again and began to listen, I perceived that I had lost another chapter, and that Alisande had wandered a long way off with her people.
"And so they rode and came into a deep valley full of stones, and thereby they saw a fair stream of water; above thereby was the head of the stream, a fair fountain, and three damsels sitting thereby. In this country, said Sir Marhaus, came never knight since it was christened, but he found strange adventures--"
"This is not good form, Alisande. Sir Marhaus the king's son of Ireland talks like all the rest; you ought to give him a brogue, or at least a characteristic expletive; by this means one would recognize him as soon as he spoke, without his ever being named. It is a common literary device with the great authors. You should make him say, 'In this country, be jabers, came never knight since it was christened, but he found strange adventures, be jabers.' You see how much better that sounds."
--"came never knight but he found strange adventures, be jabers. Of a truth it doth indeed, fair lord, albeit 'tis passing hard to say, though peradventure that will not tarry but better speed with usage. And then they rode to the damsels, and either saluted other, and the eldest had a garland of gold about her head, and she was threescore winter of age or more--"
"The damsel was?"
"Even so, dear lord--and her hair was white under the garland--"
"Celluloid teeth, nine dollars a set, as like as not--the loose-fit kind, that go up and down like a portcullis when you eat, and fall out when you laugh."
"The second damsel was of thirty winter of age, with a circlet of gold about her head. The third damsel was but fifteen year of age--"
Billows of thought came rolling over my soul, and the voice faded out of my hearing!
Fifteen! Break--my heart! oh, my lost darling! Just her age who was so gentle, and lovely, and all the world to me, and whom I shall never see again! How the thought of her carries me back over wide seas of memory to a vague dim time, a happy time, so many, many centuries hence, when I used to wake in the soft summer mornings, out of sweet dreams of her, and say "Hello, Central!" just to hear her dear voice come melting back to me with a "Hello, Hank!" that was music of the spheres to my enchanted ear. She got three dollars a week, but she was worth it.
I could not follow Alisande's further explanation of who our captured knights were, now--I mean in case she should ever get to explaining who they were. My interest was gone, my thoughts were far away, and sad. By fitful glimpses of the drifting tale, caught here and there and now and then, I merely noted in a vague way that each of these three knights took one of these three damsels up behind him on his horse, and one rode north, another east, the other south, to seek adventures, and meet again and lie, after year and day. Year and day--and without baggage. It was of a piece with the general simplicity of the country.
The sun was now setting. It was about three in the afternoon when Alisande had begun to tell me who the cowboys were; so she had made pretty good progress with it--for her. She would arrive some time or other, no doubt, but she was not a person who could be hurried.
We were approaching a castle which stood on high ground; a huge, strong, venerable structure, whose gray towers and battlements were charmingly draped with ivy, and whose whole majestic mass was drenched with splendors flung from the sinking sun. It was the largest castle we had seen, and so I thought it might be the one we were after, but Sandy said no. She did not know who owned it; she said she had passed it without calling, when she went down to Camelot.


text: An interesting interview The award-winning documentarian Adam Curtis speaks to Jarvis Cocker to talk about his new BBC iPlayer film, HyperNormalisation . HyperNormalisation tells the extraordinary story of how we got to this strange time of great uncertainty and confusion - where those who are supposed to be in power are paralysed - and have no idea what to do. Curtis concludes that the retirement of politicians to deliver a new vision to the societies has transformed them into simple managers who, more and more often, have no clue on how to deal with chaotic situations. As a consequence, societies completely abandoned faith to politicians and turned to the cybernetic universe without, however, being able to create and pursue a new vision about a better world, by themselves. Read also: A short review on Adam Curtis new film 'HyperNormalisation'


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A court hearing is underway in Georgia right now. Republican Congresswoman Marjorie Taylor Greene is slated to take the stand, becoming the first member of Congress to testify in court about the January 6 attack on the U.S. Capitol. Greene has denounced the violence that day, but a group of voters alleges that she backed the insurrection, and they plan to argue before a special judge that a provision of the 14th Amendment of the Constitution makes her ineligible for office. Georgia Public Broadcasting's Stephen Fowler joins us now. Stephen, can you explain this hearing and the grounds for this challenge to Marjorie Taylor Greene's spot on the ballot?
STEPHEN FOWLER, BYLINE: So Georgia has a law that gives voters a way to challenge the eligibility of candidates running for office. It's an administrative procedure that goes to a special administrative law judge who then recommends findings to the secretary of state, who then makes that ultimate decision. Now, typically, A, we've seen this used when people don't live in the district they want to represent or don't have other proper qualifications to be eligible to serve, and typically, the person being challenged is the one that has to prove they're eligible. Now, in this case, the administrative law judge says the ones challenging Marjorie Taylor Greene have to prove she should be disqualified and prove why they claim she violated a section of the 14th Amendment that bars people who have, quote, "engaged in insurrection or rebellion against the U.S."
MARTÍNEZ: Now, hundreds of people have been charged in connection with January 6. Congresswoman Greene, though, has not. So what's the goal, then?
FOWLER: Well, this challenge, filed by a group of voters and a nonpartisan group called Free Speech for People, will aim to question Greene about things related to January 6, objections to the Electoral College results, statements she made calling it, quote, "our 1776 moment" and other things they say helped to plan the insurrection. There's comments like this one.
MARJORIE TAYLOR GREENE: Just finished with our meetings here at the White House this afternoon. We got a - had a great planning session for our January 6 objection. We aren't going to let this election be stolen by Joe Biden and the Democrats.
FOWLER: Now, we've been told Congresswoman Greene will testify under oath, and the challengers hope to glean new information related to the Capitol attack that could be disqualifying for her or other Republicans. It's also the first time we've seen a Republican lawmaker publicly testify and answer questions about what went down before, during and after the insurrection. And cynically, most everyone comes out a winner here. Democrats have been using Greene's extremist language to attack Republicans and paint the party in a negative light. Greene, who is very popular with pro-Trump conservatives, gets to attack Democrats in the media, like she did on a far-right outlet earlier this week.
GREENE: This is a precedent - sets a very dangerous precedent. I cannot believe that I'm being forced to do this. I can't believe this judge has not thrown this case out and seen it for what it is, as nothing but a big, funded scam for the Democrats trying to control our elections.
FOWLER: And even former President Trump has weighed in, using the hearing as an opportunity to attack incumbent Republican Governor Brian Kemp and Secretary of State Brad Raffensperger in his attempts to defeat them in a primary. Unlike Greene, these two Republicans resisted his push to overturn the 2020 election results.
MARTÍNEZ: So what kinds of outcomes can be expected? I mean, is it actually likely that Greene would be removed from the ballot?
FOWLER: The short answer - no. Greene sued in federal court to try and block this administrative law process, saying it violated her rights, but a judge ruled that the administrative law process was allowed to continue. But it's still going to be an incredibly high burden to make this unprecedented judgment Greene should be struck from the ballot. Other efforts against Republican members of Congress, like Madison Cawthorn of North Carolina, have failed. A Trump-appointed judge there said that section of the 14th Amendment is narrowly written to bar former Confederates from holding office and is not applicable today. And remember, A; the judge in this case writes a recommendation which goes to the secretary of state, which is Brad Raffensperger, who's facing his own Trump-backed primary challenge, and in-person early voting beginning in a couple of weeks means he's unlikely to rock the boat and remove Greene while his own political future hangs in the balance.
Now, Greene represents one of the most conservative House districts in the country, so even if she were to be removed from the ballot, it's still a safely Republican seat. And this negative attention will likely not hurt her in a primary, either. She's a top fundraiser and wildly popular across the country with the pro-Trump base.
MARTÍNEZ: Stephen Fowler with Georgia Public Broadcasting. Stephen, thanks.
FOWLER: Thank you. Transcript provided by NPR, Copyright NPR.
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