text:
Vidtel is a provider of any-to-any video conferencing service.
Acer America
Acer America Corp. is a computer manufacturer of business and consumer PCs, notebooks, ultrabooks, projectors, servers, and storage products.
333 West San Carlos Street
San Jose, California 95110
United States
San Jose, California 95110
United States
WWW: acer.com
ChannelPro Network Awards
hello 2
hello 3


text:
View Loan Assumptions Rates subject to change without notice
Conforming Loan amounts up to $766,550 | FHA Loan Limits are specific to each Florida CountyCheck to See Florida FHA loan limits here
Fort Lauderdale Condo Mortgage Refinance
Single Family
Multi Family House
Primary home
Secondary home
Rental Property
Refinancing your mortgage is a great way to use the equity you have in your home. With a cash-out refinance, you refinance for a higher loan amount than what you owe and pocket the difference. Any proceeds you receive are tax-free.
Many homeowners use cash from their home to pay off high-interest credit card debt and student loan debt. You can also take cash out to finance home improvements, education or whatever you need. Since mortgage interest rates are typically lower than interest rates on other debts, a cash-out refinance can be a great way to consolidate or pay off debt. Additionally, mortgage interest is tax-deductible, but the interest on other debts usually isn't.
You may be able to take cash from your home if you've been paying on the loan long enough to build equity. Additionally, you may be able to do a cash-out refinance if your property value has increased; a higher value on your home means your lender can give you more money to finance it.
A lower mortgage payment means more room in your budget for other things. There are a few ways you can lower your payment by refinancing.
First, you may be able to refinance with a lower rate. If rates now are lower than they were when you bought your home, it's worth talking to your lender to see what your interest rate could be. Getting a lower rate means lowering the interest portion of your monthly payment – and big interest savings in the long run.
Second, you could refinance to get rid of mortgage insurance – a monthly fee you pay to protect your lender in the event that you default on the loan. Mortgage insurance is usually only required when you put down less than 20%. You could save hundreds of dollars a month by refinancing to stop paying monthly mortgage insurance.
Third, you can get a lower payment by changing your mortgage term. Lengthening your term stretches out your payments over more years, which makes each payment smaller.
There may be other ways you can get a lower payment, so it's always worth checking with your lender to see how they can help you get a payment that fits your current budget.
Shortening your mortgage term is a great way to save money on interest. Often, shortening your term means you'll receive a better interest rate. A better interest rate and fewer years of payments mean big interest savings in the long run.
So how does this work? Let's look at an example. Say your loan amount is $200,000. If you got a 30-year loan with a 3.5% interest rate, you would pay approximately $123,000 in interest over the life of the loan. However, if you cut your term in half, you would pay about $57,000 in interest over the life of the loan. That's a difference of $66,000 – and it doesn't even account for the fact that the shorter term would provide you with a lower interest rate (and more savings).
An important thing to know about shortening your term is that it may increase your monthly mortgage payment. However, less of your payment will go toward interest, and more of it will go toward paying down your loan balance. This allows you to build equity and pay off your home faster.

subset: commoncrawl


text:
Two decades ago when a magical war nearly destroyed all societies, those with supernatural gifts emerged from the shadows to help save the humans. Yet despite their contributions, the Magic Users are still treated like second-class citizens, being forced to register like criminals and monitored by traitors to their own kind.
As a necromancer hiding her talents, Cressa struggles to raise enough money to free her mother from the Reformatory, a place far worse than prison. With a brother who's working against her and graduation on the line, Cressa finds it difficult to follow the laws of her world. And when the alluring Noah enters her life with an opportunity to take back what is hers, she can't resist the temptation to break all of the rules. Even her own.
But Noah's intentions are not clear, and his own mysterious background lands Cressa in the middle of a supernatural battle she hadn't bargained for. He has plans of his own, and whether or not Cressa fits into them, is a question she must answer alone. Preferably before her heart makes that decision for her.
Enter the Release Day Giveaway HERE
Amber Garr spends her days as a scientist and nights writing about other worlds. Her childhood imaginary friend was a witch, Halloween is sacred, and she is certain she has a supernatural sense of smell. Amber is a multiple Royal Palm Literary Award winner and author of the bestselling novels The Syrenka Series, the award-winning Water Crisis Chronicles and Second Rising Series, The Leila Marx Novels, and the Georgia Girls Series. When not obsessing over the unknown, she can be found dancing, reading, or enjoying a good movie. Find out more at www.ambergarr.com.


text:
India in the imagination
People have asked me how I enjoyed my trip to India and the honest answer is that for the first time, I think I understand the country a little better.
For no matter how progressive your politics may be, there is always a first sense of excitement about the exotic idea of India. It's a reflection of the Orientalism that Edward Said described so brilliantly, which is probably harder for someone raised on Kipling, Forster and the visible remnants of British India to ignore. It's difficult not to become caught up in the thrill of finding everything unfamiliar and strange. For others, the mystical interpretation of the Indian sub-Continent, the focus on its 'spirituality' over other aspects of India's cultural and social identity, is just another facet of this need to project a narrow vision on what India actually is.
Reading Amartya Sen's excellent book The Argumentative Indian whilst on holiday, I was struck by the case he makes for comparing those who see the exoticness of India as somehow holding superior values, the people who attend the ashrams like the Osho international commune in Pune or who elevate some notion of ancient knowledge above post-Enlightenment reason and science, to the propaganda of the sectarian Hindutva organisations like the BJP or Bombay's tiny but extreme Shiv Sena party, led by the loathsome Hitler-admirer Bal Thackeray. These extreme Hindu nationalists also reject everything modern for an entirely false reconstruction and revision of India's history and culture, although their aim is very different from those on a personal and often very indulgent 'journey' of self-discovery. Too many times, I've heard visitors to India, seeking the mysticism of their imagination, disparage modern ideas in favour for the value of centuries-old 'wisdom' that is supposedly special simply because it is old and 'spiritual'. The BJP, in its brief period in government, was busy rewriting school textbooks based on a similar anti-intellectual pseudo-science.
Looking solely at any country's distant past is always liable to result in a wholly distorted view of its present. A visit to Britain that includes only Buckingham Palace, Stratford upon Avon and Canterbury Cathedral does the same to thousands of overseas visitors every year, but the difference is that Britain's historical, often turbulent religious controversies are not taken to have some particular bearing on modern Britain. The past is just the past. In India, however, the Victorian view that Indian culture is crude and incapable of embracing modernity still tends to persist. Amartya Sen argues that focusing almost exclusively on what India is perceived to be 'good' at – its religiosity – deliberately ignores a rich tradition of scepticism, invention and new ideas that continues to this day. And it's fascinating that Sen's book, along with Richard Dawkins' 'The God Delusion', are amongst the bestsellers in India at the moment.
Like every country, India is also constantly changing and, in the seven years since I first visited, I have noticed the changes most clearly in Bombay. The gap between the rich and the poor has grown and modern India has become more evident and more confident, but perhaps less fair. There are ATMs all over Colaba and expensive car show rooms in Bandra, but literacy rates outside of a few states like Kerala and West Bengal are alarmingly low and the Dharavi district of Bombay remains Asia's largest slum. During this trip, knowing my way around meant that I could stop rubber-necking, relax a little and appreciate that India is far more than an exotic destination, but a place where people live and work, a modern country with very modern concerns. I read the newspapers more this time and whether it was the problems of traffic congestion in Pune, or attacks by Hindutva activists on art exhibitions for 'blasphemy'; or protests in Goa against unaccountable Special Economic Zones, or most notably the fears about India's nuclear neighbour after the assassination of Benazir Bhutto (on my final day in Bombay), what is most interesting about India is what is happening now, not just India's past.
I don't know the next time I'll be in India, but I know it won't be for anything as pointless as trying to discover myself - I can do that anywhere if I really wanted to. Don't get me wrong, I love ruined forts, temples and India's history but India is much more than its distant past, more than its religious heritage. I hope next time it will be to discover more about what India is gradually becoming, what matters today.
But first, I'm going to have to start saving. Three continents in a year has taken its toll on my travelling funds!


text:
3M™ Thinsulate™ Energy Saving Low-E Window Film Insulation for Commercial Windows
One of the easiest and most cost-effective ways to improve energy efficiency in buildings is to install high-quality insulating window film. Installing window film reduces the stress on a building's HVAC system, allowing it to perform more economically.
3M has introduced new proprietary low emissive (Low-E) window film technology to help solve this problem. 3M™ Thinsulate™ Climate Control Window Film is an affordable solution to upgrade your windows to make them more energy-efficient and provide year-round comfort. Rather than having to replace entire windowpanes, 3M Thinsulate™ Window Film is applied directly to the glass. The results are comparable to the performance and appearance of new windows. Nobody will be able to tell the difference!
Single-pane windows, which are common in industrial and commercial buildings, provide very little insulation on their own. Low-E 3M™ Climate Control Window Film helps improve the insulation value of a typical single and double-pane window by significantly increasing their insulation factors. The goal is to cut heat loss – in some cases up to fifty-percent.
From historic registered buildings to modern office towers and every type of building in between, 3M™ Thinsulate™ Climate Control Window Film enhances sustainability and comfort while also providing superior fade protection. Thinsulate™ Climate Control 75 is optically clear; its virtually invisible appearance means that it won't dramatically change the appearance of your windows or aesthetics of your building - inside or out.
Benefits of 3M™ Thinsulate™ Climate Control Window Film
Increase Energy Efficiency
Nearly 40% of heating loss in commercial buildings is due to windows. 3M™ Thinsulate™ Climate Control Window Film is a Low-E product that improves the insulation value of a typical single-pane window at a fraction of the cost of window replacement.
Keep Tenants Comfortable
Don't let winter's chill hurt your bottom line with high heating bills and uncomfortable tenants. Help keep winter weather out and comfort in without costly window replacements. In contrast, help your tenants stay cool in the summer by providing state-of-the-art window films with heat rejection technology that keep cool air in and hot air out.
Thinsulate™ Low-E window film enhances insulation performance on existing single-pane windows. Keep your building warmer in the winter or cooler in the summer and more energy efficient year-round without altering the aesthetics of your building.
Virtually Invisible Optically Clear Window Film
With a high visible light transmission percentage and optically clear window film, you can reap the benefits of the 3M™ Thinsulate™ Climate Control Window Film without changing the appearance or decor of your building.
Extend Lifespan of Furnishings
Thinsulate™ window film technology extends the lifespan of your furnishings by significantly reducing exposure to harmful UV rays that cause colour fading and other types of sun damage.
High Visible Light Transmission
The visible light transmission percentage is calculated based on the amount of light that's transmitted through the tinted windowpane. You can also choose a tinted version of 3M™ Thinsulate™ based on the specific needs and location of your business.
Comprehensive Warranty Program
In addition to all the above-mentioned benefits of 3M™ Thinsulate™ Climate Control Window Film, a comprehensive 15-year extended warranty is offered when the product is professionally installed on commercial buildings.
Frequently Asked Questions
What is 3M™ Thinsulate™ Climate Control Window Film?
3M™ Thinsulate™ Climate Control Window Film has low-emissivity (Low-E) coating that's designed to help reflect radiant heat, rather than allowing the heat from escaping. It acts as a barrier to help regulate the internal temperature of your commercial building by keeping warm air in during the winter months and out during the summer months.
How is 3M™ Thinsulate™ Climate Control Window Film different from other solar control films?
While Thinsulate™ Window Film has properties that allow it to reduce the amount of solar energy entering into a building, it's also designed to help prevent the transfer of radiant heat from one side of the glass to the other.
3M™ Thinsulate™ Climate Control 75
Enhance comfort and efficiency year-round with 3M™ Thinsulate™ Window Film Climate Control 75
3M™ Thinsulate™ Climate Control 40
Enhance comfort and efficiency year-round with 3M™ Thinsulate™ Window Film Climate Control 40


text:
"I had previously worked with my teachers to implement Differentiated Instruction into their classrooms but they had to go back, put things together and come up with their own strategies. This DI program is different because when the teacher leaves the training, they will be able to implement this in their classrooms the next day." Special Ed Director
"Any teacher who is involved in this training will take away 10-15 strategies they can take back to their classroom and use tomorrow, with very little prep!" Betsy
"While I have had training in differentiated instruction before, this seminar was explained well and provided lots of great practical applications! Thank you!" Brian P.
"The differentiated instruction seminar was fantastic! Great ideas and very engaging! All of the areas discussed can be directly applied and used in the classroom. My students will love these! Thank You."
"Congratulations! You have touched on a solution to the basic problem – encouraging the students how to think! Much needed information." Joyce W.
"Loved the "hot seat" and "storytelling" strategies that I learned! This will really liven up my classroom!" Jennifer G.
"Teachers need to find ways to compete with videos, games and cell phones. This course gave me some fantastic ideas to do just that! Thank you!".
"This training was absolutely outstanding. I've been around the block a few times and I've never seen anything like this…you get tools and strategies you can apply immediately – as in the "very next day." Lynanne M.
"If you are a true teacher, this DI program is what you believe in. This programs and strategies are designed to bring instant student motivation and engagement back into the classroom." Tamara M.
"This DI training gave us a TON of great strategies and activities that I can use on Monday!"
"I liked learning new ways to measure individual's comprehension without grading papers! Way to go!" Teacher, Rice CISD
"…I was going to retire this year, tired of all the nonsense and students who don't pay attention. This seminar has given me some great ideas to put into my lessons, I think I will be around a few more years. Thank you!"
"Great seminar! Very interactive and constantly changing during the day. Very engaging!" Keely C.
"This was never boring and full of information and ideas to better reach and involve my students. It will motivate my students to learn and reach goals." Marilyn R.
"Great strategies to bring back into the classroom for the start of a new school year. Can't wait to use them." Stacy D.
"Engaging, relevant and I never thought I would learn so much in a single day!" Donna S.


text: Life Members Individuals who dedicated their careers to the ground water industry. The results are being filtered by the character: L Clear Search 2 A B C D E F G H I J K L M N O P Q R S T V W Z No results. Become a member or contact us for more information about safe use of ground water resources.


text:
Availability: Usually leaves warehouse in 3-6 business days
Matthews Stainless Wire Diffusion (SST) is impervious to rust and holds up well under uneven, intense heat, thus making it preferable for use with open face or Fresnel lighting fixtures. Stainless Scrims do not diffuse the light; their function is to reduce light output at the source. Scrims do not affect the color temperature and produce no electronic interference. They may be stacked to achieve limitless variation of light intensity. Available from 5" to 29" to meet the requirements of almost any professional light in the industry. Scrims are available in single, double, half single, and half double configurations. Halves are employed to reduce a portion of the beam and are commonly used when the light is striking the plane of the subject or background at an angle. The half reduces the light falling on the nearest part of the plane to balance with the light reaching the most distant part of the plane.
Weight: .75lbs
The outer edges are color-keyed for rapid identification: Green - Single, Green with Silver -Half Single, Red - Double, and Red with Silver - Half Double
Shooting in CT, RI or NY? For lighting
& grip visit: www.barndoorlighting.com
Gently used manufacturer lighting &
grip demos for sale at great prices:
Arri, Kino Flo, Lowel
Sign up for exclusive updates and deals!


text:
DRM Converter - DRM Removal Software
DRM protected files are encrypted with DRM technology and cannot be played if you don't have permission or a license. |
This DRM Crack Guide will help you to remove DRM from your DRM protected files |
First of all or DRM Converter - the best and the fastest (!50x speed in batch mode!) DRM Removal Software right here or from DRM Converter's official site. But before you start to use DRM Converter, we remind you that DRM Converter frees only the music you've purchased. So the requirement is that you must be able to play your original DRM protected files on your PC. In other words: you must have a valid license to play DRM protected files in order to convert them with DRM Converter. | ||||||||||||||||||||
DRM protected music files are usually downloaded from services like
This DRM Crack guide will show you how to convert protected WMA to MP3 or remove DRM from WMA files and let you use them without any restrictions or DRM protection, but besides use as protected WMA converter DRM Converter can be used to convert
| ||||||||||||||||||||
Other output formats supported by DRM Converter are WMA, WAV and MPEG4 AAC (M4A). | ||||||||||||||||||||
DRM Converter Professional has CD Ripper to convert your audio CDs and CD Burner to burn your files on CDs. | ||||||||||||||||||||
DRM Converter Pro+Video Rip includes all features of Professional version and can convert DRM protected video files (to iPod Video (MP4), WMV or AVI (DivX) format), extract and convert audio from video files and has YouTube Ripper to download and convert videos from YouTube. | ||||||||||||||||||||
Please follow this step-by-step DRM Crack Guide to remove DRM and convert protected WMA files. |
1. Install DRM Converter ( or DRM Converter right here or from DRM Converter's official site). 2. Open DRM Converter. 3. Set desired DRM Converter settings. 1) "Convert to". Choose a folder where you want to save converted WMA files.
4. Select DRM protected WMA files for conversion using the "Select Files" button in DRM Converter's main window toolbar if you want to convert separate WMA files or using drag&drop (for example from the Windows Explorer) if you want to convert a folder or a folder structure. You will see all selected in the DRM Converter main window. To delete a file from this list, select it and click on the "Delete" button in DRM Converter's main window toolbar.2) "Output folder". If you mark "Output folder" in "Convert to" group, you need to set a folder where converted WMA files will be saved. Use button "Select" to choose it or just type full path in the field. 3) If you mark "Re-create subfolders", full path to your original DRM protected WMA file will be re-created in the folder set in group "Convert to". 4) "When output file exists". To replace already converted WMA files there is the option "Overwrite existing file" (for example if you want to convert WMA file with a higher bitrate). It's impossible to replace original DRM protected WMA files with converted ones (even if you choose "Same folder" in "Convert to" group). To avoid replacing already converted WMA files there are the options "Don't convert file" or "Create unique name". 5) If you mark and set "Automatically convert files from folder" field, all files from this folder will be enqueued and converted. So you can copy to this folder all files you want to convert and DRM Converter will convert them automatically. Use button "Select" to specify it or just type full path to the folder in the field. 6) Choose a desired output file format from "Encoder" drop-down list. To convert WMA to MP3, choose MP3. Other possible output formats are WAV and MPEG4 AAC. So you can use DRM Converter not only as WMA converter to MP3, but also as WMA converter to WAV and WMA converter to MPEG4 AAC (WMA converter to M4A). 7) Choose a desired bitrate from "Compression Quality" drop-down list. Your converted WMA files will have a variable bitrate (VBR) with an average value set in this field. 8) If you mark "Show select files dialog on start", "Select files to convert" window will be showed at once DRM Converter runs. 9) If you mark "Automatically start conversion", selected WMA files will be converted immediately after they are selected. 10) "Advanced mode". If this field is marked, you will be able to play original DRM protected WMA and converted WMA files in DRM Converter (appropriate buttons will be shown in DRM Converter's main window toolbar). 5. If you marked "Automatically start conversion" in DRM Converter's settings, the file conversion will start immediately. If "Automatically start conversion" is not checked, select the files in DRM Converter's file list (you can use Ctrl or Shift to select two or more WMA files) and click on the "Convert" button in DRM Converter's main window toolbar. 6. If you marked "Advanced mode" in DRM Converter settings, you can listen converted and original DRM protected WMA files in DRM Converter ("Play converted" button on DRM Converter main window toolbar). |
If you followed all these steps, you've already finished to convert WMA to MP3 ( unprotect WMA ) with success.
Social Bookmarks: delicious digg furl yahoo technorati icerocket |
Frequently Asked Questions: | ||||||||||||||||||||
Q: The software asks for a license code. Do I need a license code to try the software? A: No. You can try the software without a license code. |
Q: What are system requirements? A: System Requirements: Windows XP, Windows 2003 or Windows Vista
256 Megabyte RAM Windows Media Player 9 or higher installed. |
Q: Which files can DRM Converter remove DRM from? A: DRM Converter can convert any file that can be played in Windows Media Player 9 (or higher), iTunes or in QuickTime Player. |
Q: Can I copy my DRM protected WMA files to my iPod? A: Yes, you can copy your DRM protected WMA files to your iPod or any other MP3 playing device, after you remove DRM from your protected WMA with DRM Converter. A new function allows to copy converted songs to Apple iPod's and other devices with a simple mouse click. |
Q: Can I burn my DRM protected music to CD? A: Yes, you can burn your songs to CD, after you converted them with DRM Converter. |
Q: Does DRM Converter preserve ID3 tags for DRM protected WMA files? A: Yes, it does. |
Q: How do I achieve the best conversion quality? A: In settings, select "High compression quality" and make sure that during conversion the PC is not used for other tasks. |
Q: Does DRM Converter converts DRM protected video files? A: Yes. You need DRM Converter Pro+Video Rip for this. |
Copyright ©2006-2012 NoMoreDRM |


text:
An official website of the United States government
Parts of this site may be down for maintenance from Saturday, July 20, 2:00 p.m. to Sunday, July 21, 9:00 a.m. (Eastern).
Share This Page:
A community bank supervised by the Office of the Comptroller of the Currency (OCC) appealed to the Ombudsman the supervisory office's determinations in the most recent report of examination (ROE). Specifically, the bank appealed the following:
The appeal contended that the composite rating was unsupported because the bank's risk profile was inappropriately designated as high. The appeal stated that the asset quality rating was inaccurate because examiners had not considered the reduced risk of loss due to collateral on certain classified loans. The appeal further stated that any potential loan losses were fully allocated in the allowance for loan and lease losses (ALLL), and that credit administration deficiencies were overstated or inaccurate. The appeal also stated that regulatory guidance had not been followed by examiners when downgrading loan risk ratings on certain commercial real estate loans on which payments were being made by guarantors.
With respect to the capital and earnings ratings, the appeal stated that despite losses in recent years, earnings prospects were positive due to an appropriate ALLL. The appeal stated that capital ratios also remained above regulatory minimums due to management and board actions to reduce the bank's total assets.
With respect to the ratings for management and liquidity, the bank argued that the ratings were unwarranted. The appeal stated that the board and management had provided strong oversight and organization. The appeal further stated that despite a high level of problem assets caused by the economic downturn, the bank maintained ample liquidity.
With respect to the risk assessments, the appeal argued that the level and direction of credit risk should be designated moderate and decreasing rather than high and increasing due to improved exceptions monitoring, appropriate concentration of credit management, and collateral valuations. The appeal stated that the direction of liquidity risk should be designated stable rather than increasing due to declining brokered deposits and the availability of various funding sources. The appeal asserted that the level and direction of price risk should be designated moderate and decreasing rather than high and increasing because OREO was written down to market value and generally sold within a reasonable period. In its appeal, the bank disagreed with the rating for quality of operational risk management as weak and requested a satisfactory rating because an audit program was in place and controls have generally been satisfactory. Despite deficiencies in the internal audit program, the appeal argued that the ratings for a high aggregate level and increasing direction of operational risk should be changed to moderate and stable because the deficiencies can be easily corrected. Strategic risk and reputation risk, both rated high and increasing, were also appealed, with the bank arguing that the problems had been identified and were being addressed with an appropriate ALLL.
With respect to the MRAs, the appeal argued that the "repeat" designation for the management study MRA was unfair because the previous report of examination was not received by the bank until one month before the start of the next on-site exam. The appeal argued that a statement in the audit MRA indicating there was no audit plan should be removed because the bank had an audit schedule, which the bank believed was a sufficient audit plan. The appeal asserted that the problem loan workout administration MRA should be removed because the bank's workout plans did not commonly contain liberal terms, and criticisms of capitalizing certain loan fees were unjustified because they were industry practice. The appeal also contended that the appraisal MRA should be removed, arguing that there were limited exceptions to the bank's appraisal order and review process and exceptions did not rise to the level of concern for an MRA.
With respect to the violation of 12 C.F.R. § 34.83(b) regarding prudent efforts to dispose of OREO, the appeal stated that the bank was making efforts to prudently dispose of OREO despite several properties not being listed with realtors. The bank argued that using the bank's website to list properties as well as placing for-sale signs at the properties had proved to be effective methods to dispose of the properties.
Relationship (1) consisted of an interest-only note secured by land with the original intention of subdividing into lots. The supervisory office downgraded the loan from pass to substandard due to stalled development and lack of principal amortization since 2009. The appeal asserted that the loan should be designated pass because it was protected against loss by collateral and the guarantors showed the ability to make payments.
Relationship (2) consisted of an interest-only note secured by raw land and residential lots with the original intent of subdividing into lots. The supervisory office downgraded the loan from special mention to substandard due to stalled development and suspended principal reductions to allow for payment of property taxes. The appeal asserted that the loan should be designated special mention because the one year of missed principal payments was temporary.
Relationship (3) consisted of an unsecured interest-only note used to purchase a business and equipment. The supervisory office downgraded the loan from pass to substandard due to a lack of principal amortization, questionable repayment ability, and lack of collateral. The appeal asserted that the loan should be designated pass because the delay in amortizing the debt was due to illness of the owner and the credit would soon be secured and placed on principal amortizing terms.
The Ombudsman reviewed the information submitted by the bank and the supervisory office. The Uniform Financial Institutions Rating System, as defined in the "Bank Supervision Process" booklet of the OCC's Comptroller's Handbook, was used as the standard for determining the appropriate composite rating and component ratings for capital, asset quality, management, earnings, and liquidity. The Ombudsman also relied on 12 C.F.R. § 34.83(b); the Comptroller's Handbook booklets "Rating Credit Risk," "Other Real Estate Owned," and "Internal and External Audits"; OCC Bulletin 2009-32, "Commercial Real Estate (CRE) Loans: Guidance on Prudent CRE Loan Workouts"; and OCC Bulletin 2010-42, "Sound Practices for Appraisals and Evaluations."
With respect to the asset quality rating of 4, the Ombudsman found the bank's asset quality and credit administration practices exhibited characteristics of this rating and were deficient. The level of adversely classified assets was excessive and increasing at approximately 150 percent of capital plus the ALLL. The volume of classified assets increased despite significant loan charge-offs over the past four years, reflecting deeply entrenched lending problems. Nonperforming assets, including noncurrent loans and OREO, were also well above the levels at peer banks. In addition, credit administration practices were weak, evidenced by renewals lacking complete financial information, liberal repayment terms, missing credit presentations, risk rating downgrades, and lack of a loan workout specialist.
With respect to the earnings rating of 4, the Ombudsman found the bank's earnings exhibited characteristics of this rating and were deficient. Earnings were insufficient to support operations and maintain appropriate capital and the ALLL. Earnings have reflected large losses in recent years due to loan charge-offs and a declining net interest margin. Increasing levels of classified loans and OREO make future prospects poor.
With respect to the capital rating of 4, the Ombudsman found the bank's capital exhibited characteristics of this rating and was deficient. The bank's capital at the time of the examination did not support the bank's high risk profile and needed improvement. Negative retained earnings over the past four years represented a loss to capital of approximately 25 percent. Additional sources of capital are limited.
With respect to the liquidity rating of 3, the Ombudsman found the bank's liquidity exhibited characteristics of this rating and was less than adequate based on the bank's risk profile. The bank remained moderately reliant on brokered deposits, and the high costs of funding had adversely affected the bank's net interest margin.
With respect to the management rating of 4, the Ombudsman found that management and board supervision exhibited characteristics of this rating and was deficient. Increasing risk exposure, ineffective credit risk management processes, noncompliance with an outstanding enforcement action, continuing need for a loan workout specialist, lack of independence in the internal audit program, deficiencies in strategic planning, and concerns over succession planning were indicative of the need for improved actions to preserve the soundness of the institution.
With respect to the composite rating of 4, the Ombudsman found that the bank's overall condition reflected this rating. At the examination, the bank exhibited unsafe or unsound practices as well as financial and managerial deficiencies, which were not being satisfactorily addressed or resolved. The composite rating reflected deficient capital, asset quality, management, and earnings, and less than satisfactory liquidity.
With respect to the credit risk profile of high and increasing, the Ombudsman found the ratings to be accurate. Problem assets continue to increase from prior examinations and are at an excessive level. Increased levels of problem assets coupled with weak credit risk management practices are supportive of the increasing designation.
With respect to the increasing liquidity risk profile, the Ombudsman found the rating to be accurate. The decline in asset quality may result in increased costs and restrictions on borrowings. While brokered deposits have declined, they remain high and are restricted based on an outstanding enforcement action.
With respect to the price risk profile of high and increasing, the Ombudsman found the ratings to be accurate. At the examination, the bank's level of OREO was at approximately 30 percent of capital and had increased from past exams. Given the increased volume of classified loans and increased trends in OREO, an increasing designation is appropriate.
With respect to the operational risk profile of weak risk management, high aggregate risk, and increasing direction, the Ombudsman found the ratings to be accurate. Deficiencies requiring corrective action involved internal audit, lack of a strategic plan, succession planning concerns, and lack of a needed loan workout officer. These concerns, along with unsafe or unsound credit risk management practices, indicate a weak organizational structure affecting the overall control environment.
With respect to the strategic and reputation risk profiles of high and increasing, the Ombudsman found the ratings to be accurate. The bank's financial condition continues to deteriorate and, as such, the potential for future losses will affect franchise value and, potentially, the ability to raise capital or find a buyer.
With respect to the "repeat" designation for the management study MRA, the Ombudsman determined that the "repeat" designation should be removed. The timing of receipt of the prior ROE and management's corrective action for this MRA made the "repeat" designation inappropriate. Therefore, the Ombudsman directed the supervisory office to correct the supervisory record.
With respect to the audit MRA, the Ombudsman determined that there was proper support for the sentence stating there was no audit plan. The "audit plan" must provide standards for audit processes and ensure effective audit coverage. The "audit cycle" refers to the actual audit schedule.
With respect to the problem loan workout MRA, the Ombudsman found that additional clarification in the ROE was warranted. Although the MRA properly criticized liberal terms on several renewed loans, examples cited in the ROE were newly criticized loans that did not have workout plans in place. Therefore, the Ombudsman directed the supervisory office to revise the examples cited in the report. The Ombudsman concurred with the supervisory office regarding the criticism of capitalizing origination and appraisal fees for workout and problem loans.
With respect to the appraisal order and review process MRA, the Ombudsman determined that the supervisory office appropriately supported this MRA. Concerns identified in appraisal reviews required follow-up and a process was warranted to ensure independence of the appraisal and review functions.
With respect to the violation of 12 C.FR. § 34.83 (b), the Ombudsman determined that the bank's OREO marketing plans constituted adequate documentation of diligent disposal efforts. There is no requirement in the regulation that the properties be listed with a realtor, only that diligent efforts are made to market each property, along with adequate documentation of those efforts. The bank had a satisfactory history of disposing of OREO in a timely manner. Therefore, the Ombudsman directed the supervisory office to remove the violation from the supervisory record.
With respect to relationship (1), the Ombudsman found that the loan exhibited well-defined weaknesses and concurred with the substandard rating. The original repayment source (sale of tracts) had stalled and repayment now relies on guarantors. Principal reductions were reasonable in 2009 but had since declined to an unreasonable amortization and interest-only terms. Therefore, guarantors have not demonstrated that they have the capacity and willingness to provide support for the credit through ongoing payments, curtailments, or re-margining.
With respect to relationship (2), the Ombudsman found that the loan exhibited well-defined weaknesses and concurred with the substandard rating. The original repayment source (sale of lots) had stalled and repayment now relies on guarantors. While past curtailments were made at each renewal, this loan did not amortize as required for a year because funds were reportedly used for real estate taxes. The guarantors' inability to make property tax payments is, in itself, an additional defined weakness, along with the lack of curtailment and the failure of the property to sell as originally planned.
With respect to relationship (3), the Ombudsman found that the loan exhibited well-defined weaknesses and concurred with the substandard rating. The loan exhibited lax controls over draws and numerous advances over an extended period with no amortization or principal reduction. Repayment projections were questionable and would be deficient if the loan was properly amortized.


text:
Kimo - children's book
Written by Barbara Kipper and illustrated by Eva Pleis, this is a children's story of compassion, courage and companionship. In Bearonia, children are kept as pets in cages. A little bear called Kimo grows to realise this is wrong.
Animals Asia receives 100% from the sale of this book.


text:
I am a returning customer.
I am a new customer.
By creating an account at CageWorld you will be able to shop faster, be up to date on an orders status, and keep track of the orders you have previously made.
country | delivery from shipment in workdays | 0-5 kg | 5-10 kg | 10-20 kg | 20-31 kg |
Germany | 2-3 | ||||
EU: A, B, BG, CZ, CY (besides northern part), DK (besides Faroese, Greenland), E (besides Canaries, Ceuta and Melilla), EST, F (besides oversea and Departments), FIN (besides Alandisland), GB (besides channel island), GR (besides mount Athos), H, HR, IRL, I (besides Livigno and Campione dItalia), LV, LT, L, M, NL (besides non-EU), PL, P, RO, S, SK, SLO |
3-5 |


text:
Our first show from NPR West in Southern California coincides with another grand occasion, the reopening of the iconic Chinese Theater on Hollywood Boulevard. It's been refurbished and reconfigured. And as NPR's Sam Sanders reports, it has a new name too.
UNIDENTIFIED MAN: Marilyn Monroe and Jane Russell...
SAM SANDERS, BYLINE: Since 1927, stars have been parading down the red carpet and making their marks here.
UNIDENTIFIED MAN: ...in the famous concrete of Grauman's Chinese Theater in Hollywood.
SANDERS: But for the last four months, the theater's been closed for renovations. Yesterday, it reopened, the ornate Chinese fixtures retouched, over 900 stadium seats installed, and a new centerpiece, the world's third largest IMAX screen. The first showing? An updated version of "The Wizard of Oz" in IMAX 3D.
JULIA SADLER NAKAJIMA: (imitating The Cowardly Lion) What makes a king out of a slave? Courage! What makes a flag on the mast to wave? Courage! What have they...
SANDERS: Julia Sadler Nakajima was the first person in line for the 10:30 a.m. screening. She thinks the changes to the theater and the neighborhood are a good thing.
NAKAJIMA: For a long time, Hollywood was just looking very dumpy, especially for people from all over the world. They come a long way to see Hollywood. We don't want to disappoint them.
SANDERS: Scott Morris came to see the show as well.
SCOTT MORRIS: Hey, I'm just picking up.
UNIDENTIFIED WOMAN: Can I have your credit card, please?
MORRIS: Sure.
SANDERS: He was a little concerned about the theater's new name.
MORRIS: You know, I think everybody, who's local, still thinks of it as Grauman's Chinese no matter what they call it.
SANDERS: Well, it's not Grauman's anymore. In January, a Chinese TV maker called TCL bought 10 years of naming rights to the theater for more than $5 million. Now, this is not the venue's first name change, but it's the first time a Chinese company will own the name of the Chinese theater. For Scott Morris, that's a little strange.
MORRIS: It's weird to have different countries owning sort of iconic things here in the States. But that's just the way the world is these days.
ROBERT BIRCHARD: Hollywood isn't going to fall apart because TCL has got their name on the Chinese Theater.
SANDERS: Robert Birchard is the editor of the American Film Institute's catalog of feature films. He says the name change really isn't a big deal. For Birchard, TCL's purchase mirrors a larger shift in the entire movie industry.
BIRCHARD: There's a lot of cross-pollination. It used to be foreign receipts amounted to maybe 10 percent of a film's gross. Now, it's the lion's share of a film's gross.
SANDERS: China is now the largest foreign market for U.S. films. And Chinese companies want a piece of the U.S. market too. Just last year, China's Dalian Wanda Group bought the entire AMC Theater chain. Back at the Chinese Theater, once Scott Morris bought his popcorn and walked into the main hall, the gilded ceiling and old Hollywood flair left him impressed.
MORRIS: Wow. Yeah, the house looks great, the theater itself.
SANDERS: And when the lights dimmed and the show started, it was all about the movie.
SANDERS: Everyone here was off to see the Wizard. The name of the Chinese Theater really didn't matter at all.
SANDERS: Sam Sanders, NPR News. Transcript provided by NPR, Copyright NPR.


text:
Totowa, NJ, November 14, 2017 –(PR.com)– Capezio, the leading dancewear design and manufacturing company since 1887, is kicking off the holiday season to a sparkling start with the release of their Sugar Plum Fairy pointe shoe, the second installment of their festive collection.
Each installment of the "limited edition" collector's item is inspired by a scene from the timeless ballet, The Nutcracker, and encrusted completely with breathtaking Swarovski® Crystals.
Last year, Capezio launched the very first bejeweled pointe shoe of its collection. The shoe resembled iconic holiday character, the Nutcracker, fully detailed from head to toe in dazzling Swarovski® crystals. The 2016 installment was a record breaking success which sold out quickly to dancers and collectors alike.
Featuring the famous Sugar Plum Fairy scene, this year's installment is encrusted with over 2400 Swarovski® crystals in shades of Amethyst, Fuchsia, Smokey Mauve and Crystal. Details are reminiscent of fairy dust, sugar flakes, and elegant castle backdrops, just to name a few.
This year, prior to releasing the pointe shoe to the general public, Capezio offered a pre-order option to reserve a shoe early, a perk only given to those who had purchased last year's edition.
"We are encouraging people that enjoy collecting to purchase early, as the shoe is limited edition and only a select handful are made each year. Once the shoe sells out, collectors will find themselves waiting for the following year's installment of the shoe," said Kyle Keehan, Digital Marketing Strategist, at Capezio. Because only a limited amount of this one-of-a-kind shoe are made each year, it is crucial for one to purchase the shoe as soon as it is released in order to guarantee their spot at owning this glimmering beauty.
This magical Sugar Plum Fairy installment will be decorating the homes of its collectors as well as bringing joy to dancers' faces when given as a special gift. Capezio advised that this shoe is meant for decorative purposes only and is not intended for wear.
The purchase comes in a beautifully illustrated box featuring the dance of the Sugar Plum Fairies and one Swarovski® Crystal covered pointe shoe with matching ribbon. Visit Capezio.com now to get your very own limited edition pointe shoe before it is too late.
Contact Information:
Kyle Keehan
Contact via Email
Read the full story here: https://www.pr.com/press-release/736198
Press Release Distributed by PR.com


text:
AMC Theatres is launching a new movie ticket subscription service that is expected to compete with MoviePass.
The AMC Stubs A-List is a new tier added to AMC's current Stubs rewards program that lets moviegoers watch up to three movies per week for just $19.95 (plus tax) per month. Under the guidelines, users can conceivably take in a triple feature in one day if they wanted to.
Under the Stubs A-List, guests can watch any available showtime at any U.S. AMC location. All premium formats -- IMAX, Dolby Cinema, RealD 3D and others -- are included in the program.
Subscribers to the Stubs A-List will also receive all benefits of the AMC Stubs Premiere rewards program, which includes free popcorn and soda upgrades, free refills on large popcorn, express service at the box office and concessions, and no online ticketing fees. The $15 annual Stubs Premiere fee is also waived for Stubs A-List members.
According to AMC, Stubs Premiere members receive a $5 reward for every 5,000 points earned, which translates to a 10% credit toward future AMC purchases.
In comparison, the ticket subscription plan offered by MoviePass has a $9.95 monthly fee for unlimited movies during a month. However, users are limited to viewing a movie once under their account.
AMC Stubs A-List begins online enrollment on June 26, and subscribers can begin using the program benefits immediately.
"We believe that our current and future loyal guests will be interested in this type of program, as AMC Stubs A-List rewards guests with something that no one else offers: the very best of AMC, including IMAX, Dolby Cinema and RealD 3D up to 3 times per week, for one simple, sustainable price," said AMC Theatres CEO and President Adam Aron.
More information (and all of the fine print, including exclusions) can be found at amctheatres.com/amcstubs/alist.


text:
While we might have thought we had a lot of the details down for the next Lara Croft adventure, one we certainly didn't see coming was that Lara has to fend off a rape as part of her coming of age tale.
This isn't some shock tactic, but an attempt to make the series darker. Think Batman Begins, but with a British girl on an island.
Now confirmed for release on March 5th 2013, the reboot of the Tomb Raider series was already seen to feature as a more lifelike and therefore hopefully more relatable Lara. However, developer Crystal Dynamics has said that instead of attempting to embody the character, they want to make players care for her.
Apparently she's going to get beaten up in this game; a lot. To the point where developers describe her as a cornered animal, where she must fight or die.
Crystal Dynamics and publisher Square Enix are both hoping that this early days prequel will help reinvigorate the series, which is much less relevant than it used to be. Taking the somewhat long-in-the-tooth hero in a new, youthful and more vulnerable direction, could be the way to do it.
To read our run down of the future Tomb Raider title, check out the editorial here.


text:
Home > Mailing > Document Enclosed Wallets
(Details shown apply to the default selection)
BUY NOW - with FREE standard delivery
when you spend over £100 + VAT!
£4.95 on orders £50 - £99.99
£8.95 on orders below £50
See all our delivery rates here
A6 Euro Size 165mm x 122mm (internal dimensions)
Our self adhesive document enclosed wallets are available in printed or plain, and as with our other mailing products, we offer smaller packs of 100 if you don't need a full box (1,000). Super sticky adhesive and tough poly fronts mean you can trust that your delivery paperwork will be safe, dry and intact for the recipient.
Be the first to Write a Review for this item!
Internal Size (mm)
113 x 100
140 x 195
165 x 122
225 x 122
225 x 165
318 x 235
Document Pouch System£52.75
A new way to label packages
Call us on 01530 262476


text:
Bye-bye to scratches and bumps! The Speckled iPhone Case will guard your phone against falls and mishaps. Get it today and protect your phone in style
• Components: soil (30%), onions (7.5%), carrots (7.5%), pepper (7.5%), sawdust (1.5%), rice (18%), soybeans (18%), wheat (10%)
• Anti-shock protection
• Thickness over 1.8 mm
• Packaged in a degradable and protective CPE 07 bag and shipped in a carton box
• Blank product sourced from China
This product is made especially for you as soon as you place an order, which is why it takes us a bit longer to deliver it to you. Making products on demand instead of in bulk helps reduce overproduction, so thank you for making thoughtful purchasing decisions!
"Quarantine Doll" Biodegradable phone case
921,50 ₽Цена


text:
Toronto, Canada, February 09, 2018 –(PR.com)– On January 24th, 2018, Medlantis.org, in partnership with global experts in MR safety from The Association for Radiologic & Imaging Nursing (ARIN) and the Society for MR Radiographers & Technologists (SMRT), delivered the first of three talks on MRI Safety. The talk was delivered by Vera Kimbrell, BS, R.T. (R)(MR), FSMRT, who currently leads MR Applications and Training at Brigham and Women's Hospital in Boston, MA., is a former SMRT President (2013-2014), and is the current Chair of the SMRT Safety Committee.
Andrew Witchell, COO of Medlantis.org said, "We're honoured to be working with the experts at the ARIN and SMRT. We were able to help them reach a broad geographic audience. There are many healthcare professionals with a high desire for this level of expert teaching, many who will no doubt immediately apply it in their workplace."
The course was produced and livestreamed by Medlantis.org to viewers in the US, Canada, the UK, and Australia and had attendance 300% higher than anticipated.
The course covered topics of how MRI works, the safety issues involved when performing MR exams, and the best practices for operating safely within MR environments. "MRI is a useful and very important tool for medical imaging. It's a safe imaging modality but there are serious safety issues to be managed. All staff must be trained to understand and adhere to the rules. Education, access control, and constant vigilance are the keys to success in the prevention of accidents. By working together, watching out for each other and those coming into our work area, we can maintain consistent safety practices for our workplace and patients, and ensure we keep MRI as a very safe and very good diagnostic tool," said Vera Kimbrell, course presenter and SMRT Safety Committee Chair.
Bruce Boulter, Executive Director for ARIN said "We had a great audience of Nurses and Technologists, who made time in their lives to join us for this event. We work together every day, side by side, to make our patient's lives better. This proves the value of linking experts with audiences around the world in an interactive online setting and we're looking forward to working with our colleagues at the SMRT and Medlantis.org on our next two events in this series as the response to this first event has been extremely positive."
This event will be succeeded by two more scheduled for mid February 2018, and then mid April 2018.
About Medlantis.org: Medlantis data mines & matches 1000's of hours of medical lectures, cases, procedures, workshops, and demonstrations from the world's top medical societies, and then matches. that information to a Healthcare Professional's interests and preferences to help them vastly improve the return on their enormous effort invested in staying clinically current. Given today's speed and volume of change in medical and clinical technology and associated patient outcomes, Medlantis delivers the best clinical & medical video matches, in realtime, to a healthcare professional's device of choice; mobile, tablet, or desktop.
Medlantis also seeks to help solve the projected 12.9 million shortage of trained Healthcare Professionals worldwide, by providing its products free of charge to healthcare professionals from Hinari Group A countries.
About ARIN: The Association for Radiologic & Imaging Nursing (ARIN) was founded in 1981 as the professional organization representing nurses who practice in the diagnostic, neuro/cardiovascular, interventional, ultrasonography, computerized tomography, nuclear medicine, magnetic resonance, and radiation oncology. Their mission is to provide Radiology Nurses with the knowledge and resources to deliver safe quality patient care in the imaging environment.
About SMRT: The Society for MR Radiographers & Technologists (SMRT), A Section of the International Society for Magnetic Resonance in Medicine (ISMRM), is the leading nonprofit organization that provides an international forum for education, information and research in magnetic resonance for radiographers and technologists throughout the world. The mission of the SMRT is to advance global education in the field of magnetic resonance.
Contact Information:
Medlantis Inc.
Andrew Witchell
+1 (416) 668-4350
Contact via Email
Read the full story here: https://www.pr.com/press-release/744039
Press Release Distributed by PR.com


text:
It's really great when people complement me on my voice. But, as much as I enjoy hearing them describe me as warm, resonate, friendly, deep, soothing, intimate, clear, strong, reassuring, authoritative, etc., I readily admit there's much more to professional voiceover services than merely having a great voice that brings copy to life. If only it were so easy! Producers and directors select me to voice their radio / TV commercials and corporate narrations because I have decades of experience meeting last-minute deadlines, working with tight budgets, and providing copywriting assistance when needed. As a result, I am pleased my clients have come to rely on me as a member of their team... fully committed to the success of their project whatever it takes. |
Your recordings, in virtually any file format, are quickly delivered worldwide by the method of your choice: FTP to your website or mine. |


text:
Katy Perry -- Stripper FIRED After Strip Club Photos Leak
One of the strippers who posed with Katy Perry inside a Santa Barbara strip club has been FIRED for violating the Cardinal rule ... taking pics of their encounter and making them public.
Sources tell TMZ ... honchos from Spearmint Rhino's corporate offices marched over to the Santa Barbara location earlier this week and promptly fired Cassidy (her stripper name) in front of all the other girls.
23-year-old Cassidy -- pictured above on the right -- was one of the girls working Super Bowl night, when Katy rolled in with boyfriend John Mayer and dropped stacks all over the place.
Cassidy, Katy, and other dancers posed for several photos ... TMZ obtained the pics and posted them a couple days later -- and management was pissed.
We're told Cassidy -- who has a child -- violated her club's "no cameras" rule by taking the photos and making them public and that's why she got canned.
We're told Cassidy was fired in front of all the other girls to send a clear message ... don't mess with client privacy, or else.


text:
Special Price: $220
If your remote control is not listed here, please call the office on: 3806 0991 for immediate assistance with a compatible replacement.
[one_half last="no"]
These new generation transmitters, feature High Security Code Hopping Technology transmitting a unique code chosen randomly from 4.29 billion possible codes that change each time the transmitter is used. They are available in 2 or 4 channels for operating additional merlin garage or gate openers or merlin compatible receivers. Available in a full size transmitter or key ring size. Easily identified by the round green button.
[/one_half][one_half last="yes"]


text:
Other Health Sites Chiroweb.com Dynamicchiropractic.com Chirofind.com Acupuncturetoday.com
In this study, scientists examined heart function in two groups of people. One group consumer a "typical Western diet" that averaged 2,445 calories per day, with 31 percent of the calories derived from fat. A similar group at a "nutritionally balanced" diet that averaged 1,671 calories per day, with approximately 28 percent of the calories derived from fat. People who consumed the reduced-calorie diet had significantly lower levels of certain inflammation markers in the blood. In addition, their hearts appeared to show greater elasticity and less stiffness than patients who consumed the Western diet.
The point of this study? Eating less alone won't reduce your risk of certain heart problems; you also need to make sure the food you eat is high in vitamins, minerals and other nutrients. Doctors of chiropractic are well-versed in nutrition, and can provide you with a wealth of information on choosing a diet that is low in calories, yet extremely nutritious. For more information, visit www.chiroweb.com/find/.
Meyer TE, Kovacs SJ, Ehsani AA, et al. Long-term caloric restriction ameliorates the decline in diastolic function in humans. Journal of the American College of Cardiology 2006;47(2):398-402.
Health News


text:
How To Sleep During Opiate Withdrawal – Natural Non-Addictive Sleep Aids
How To Sleep During Opiate Withdrawal
One of the biggest problems with Opiate withdrawal is the lack of sleep that happens when a person addicted to opiates starts to withdraw. One of the biggest things that drives people BACK to using is the lack of sleep, it drives them crazy and all they want to do is get some sleep. There's no wonder that they use sleep deprivation for torture, it makes people give into just about anything just to get some sleep. I've put together a small list of Sleep aids to help you sleep while going through Opiate Withdrawal. They are natural based, non-addictive, and non-prescribed.
Melissa Supreme – by GAIA Herbs
My first and foremost on the list is what I used for my agitation while withdrawing and helped me to sleep too, Melissa Supreme by Gaia Herbs. It's a proprietary blend of herb including:
Lemon Balm(Melissa Officialis), German Chamomile, Passion Flower, Fresh Skullcap Herb, Fresh Wild Oat Milky Seed, Gotu Kola and Mineral salts extracted from Kelp.
I've not taken this but a fellow addict in recovery from this site has, and he said he was finally able to sleep thanks to this product called Somnapure by Peak Life. From the website:
"a sleep aid that is safe and effective, Somnapure's naturally occurring ingredients are non-habit forming and won't leave you feeling groggy the next day."
Somnapure® contains premium, natural ingredients that you are already familiar with:
- Melatonin – A naturally occurring compound that helps regulate sleep patterns.
- Valerian – A perennial herb used for centuries to promote relaxation and reduce the time it takes to fall asleep.
- L-Theanine – An amino acid commonly found in green tea that exhibits a relaxing effect.
- Lemon Balm – An herb in the mint family used to promote sleep through relaxation.
- Hops – A flower cluster used to increase alpha-waves, decreasing the time it takes to fall asleep.
- Chamomile Flower – A daisy-like flower known for its calming effects and use in herbal teas.
- Passion Flower – A beautiful flower used to promote sleep.
Sleep Wave Rest and Relax – NutriHealth Supplements
This product I have not taken either, however I have taken some of the ingredients. GABA for one will help stop that mental mind chatter that happens with withdrawal. The constant chatter of noise that goes on in the head. It's also great for sleep as it does quiet the mind. That and the Melissa Officialis(Lemon Balm) are great for soothing the mind and body. This product has just about the same ingredients as the Somnapure, above, but in a different mixture of quantity.
- Synergistic blends of valerian, lemon balm and other herbs, as well as essential melatonin, work to promote sleep and improve sleep quality.
- GABA, L-theanine, chamomile and passionflower promote relaxation and help calm that "brain-spinning" mind chatter that keeps you from falling asleep.
If you are trying to get some sleep while going through opiate withdrawal. these sleep aids can help to promote a good nights sleep, or at least maybe a few hours during the first parts of opiate withdrawal. This is critical for many as the lack of sleep can push an addict in withdrawal back to the drugs they are trying to get off of.


text:
table of contents
- bookworm 3.0.11-1~deb12u2
- testing 3.2.1-3
- unstable 3.2.2-1
- experimental 3.3.1-1
SSL_CLEAR(3SSL) | OpenSSL | SSL_CLEAR(3SSL) |
SSL_clear - reset SSL object to allow another connection
#include <openssl/ssl.h> int SSL_clear(SSL *ssl);
Reset ssl to allow another connection. All settings (method, ciphers, BIOs) are kept.
SSL_clear is used to prepare an SSL object for a new connection. While all settings are kept, a side effect is the handling of the current SSL session. If a session is still open, it is considered bad and will be removed from the session cache, as required by RFC2246. A session is considered open, if SSL_shutdown(3) was not called for the connection or at least SSL_set_shutdown(3) was used to set the SSL_SENT_SHUTDOWN state.
If a session was closed cleanly, the session object will be kept and all settings corresponding. This explicitly means, that e.g. the special method used during the session will be kept for the next handshake. So if the session was a TLSv1 session, a SSL client object will use a TLSv1 client method for the next handshake and a SSL server object will use a TLSv1 server method, even if TLS_*_methods were chosen on startup. This will might lead to connection failures (see SSL_new(3)) for a description of the method's properties.
This function is not supported on QUIC SSL objects and returns failure if called on such an object.
SSL_clear() resets the SSL object to allow for another connection. The reset operation however keeps several settings of the last sessions (some of these settings were made automatically during the last handshake). It only makes sense for a new connection with the exact same peer that shares these settings, and may fail if that peer changes its settings between connections. Use the sequence SSL_get_session(3); SSL_new(3); SSL_set_session(3); SSL_free(3) instead to avoid such failures (or simply SSL_free(3); SSL_new(3) if session reuse is not desired).
The following return values can occur:
- 0
- The SSL_clear() operation could not be performed. Check the error stack to find out the reason.
- 1
- The SSL_clear() operation was successful.
SSL_new(3), SSL_free(3), SSL_shutdown(3), SSL_set_shutdown(3), SSL_CTX_set_options(3), ssl(7), SSL_CTX_set_client_cert_cb(3)
Copyright 2000-2023 The OpenSSL Project Authors. All Rights Reserved.
Licensed under the Apache License 2.0 (the "License"). You may not use this file except in compliance with the License. You can obtain a copy in the file LICENSE in the source distribution or at <https://www.openssl.org/source/license.html>.
2024-06-04 | 3.3.1 |


text:
Keep your GLOCK running perfectly with this OEM Recoil Spring Assembly. This recoil assembly is designed just like one that was included with your firearm the day you purchased it. It is made to meet GLOCK's strict specifications and tolerances. Why spend your hard earned money on anything other than GLOCK perfection?
Note: These fit Generation 4 Glock 19.
DISCLAIMER: GLOCK is a federally registered trademark of GLOCK, Inc. and is one of many trademarks owned by GLOCK, Inc. or GLOCK Ges.mbH. Neither Cactus Tactical, nor this site are affiliated in any manner with, or otherwise endorsed by, GLOCK, Inc. or GLOCK Ges.mbH. The use of GLOCK on this page is merely to advertise the sale of GLOCK pistols, parts, or components. For genuine GLOCK, Inc. and GLOCK Ges.mbH products and parts visit www.glock.com.


text:
ROME, April 23, 2013 (LifeSiteNews.com) – The bishops of the world must, as individuals, take the lead in combating the Culture of Death, and not wait for the national conferences, Cardinal Raymond Burke told LifeSiteNews.com in an interview yesterday.
"It should be emphasized that the individual bishop has a responsibility in this matter. Sometimes what happens is the individual bishops are unwilling to do anything because they wait for the national bishops' conference to take the lead."
Warning against some of the bureaucratic trends of "truth by committee" in the Church's organisation, Cardinal Burke said, "Simply by the way these conferences work, it can be years before some kind of effective direction is given, and then oftentimes because this direction is discussed and debated, it can get very watered down."
He emphasized that the involvement of the bishops should be constant, and not merely a matter of issuing a statement once. "We're not writing term papers here where you make reference to an earlier document and that's sufficient." In public life, he said, the message has to be stated and re-stated and kept up to date.
And statements, he said, are only one part of it. "Its another thing to encourage people to actively manifest their desire that the moral law be respected," he said. Even in a "pluralistic" society the moral law is universal and can and must be expressed in law, he explained.
The head of the Apostolic Signatura, the Vatican's supreme court, spoke with LSN in the lead-up to the Marcia per la Vita (March for Life) Nazionale in Rome, set for May 12th in Rome. The Cardinal is known around the world as one of the strongest voices in the Vatican's Curia for the Church's teaching on the sacredness of human life at all its stages. He said that the growth of the marches for life, starting in the US, is indicating a shift in opinion on abortion in many countries of the western world, particularly among younger people.
Cardinal Burke said that abortion is the premier social justice issue, even if some in the hierarchy, even in the Vatican, don't seem to act that way. The lack of enthusiasm for combating abortion as a priority among some of the upper echelons of the Church administration, he said, "is something that needs to be addressed".
He said that overall, "there is a concern" about abortion among the cardinals. "How they see it practically being witnessed is another thing, however."
"I think in some places there's a great hesitation among prelates to be involved in public manifestations. Many see it as some kind of political activity that isn't proper for a cleric."
But Burke said he does not hesitate to participate, "because to me, it's a question of the common good. Giving witness for the common good. It's not a political rally in the sense that they're rallying for this or that candidate, it's not partisan, it's a good across the board."
Citing the encyclical by Pope Benedict XVI Caritas in Veritate, he said that abortion, as well as the widespread use of artificial contraception, must be made priorities: "It seems to me it's the first issue of social justice, the right to life."
Remarking on the marches springing up in ultra-liberal European centres like Brussels and Paris, as well as the leap for the Italian national march from 1000 to 15,000 participants in one year, the cardinal said, "I think especially among the younger people there's a great interest. People realise that the culture is really bankrupt and they're trying their best to respond to the situation."
He said that there is a visible increase in interest by bishops, particularly at the March in Washington. He also said that the media blackout has been unable to stop the personal witness of the marches. "I believe it has a great impact," he said.
He urged the upcoming generation of younger pro-life leaders to bring the life issues up with their clergy.
"I think the lay faithful in the parishes and in the dioceses need to go to their bishops and priests and urge them to give that pastoral leadership that they're called to give on this very critical issue. Yes the laity have their part, a very significant part in all the various areas of public life to give witness to the Gospel but they depend upon their priests and bishops to give that teaching and example, how to confront the situation."
"They need leadership. That's what it's all about."
The marches in Italy are only three years old, and have already grown from a small gathering in an out-of-the-way town in the north, to 15,000 last year in the capital. Organisers are hoping to jumpstart a public debate which has not occurred since Italy's abortion law was passed in 1978.
While it is true that the Italian abortion rate is relatively low and few doctors are willing to participate in abortion – with overall about 70 per cent in the country refusing and as many as 86 per cent in Lazio, the region of Rome – the abortion rate has numbered in the millions since legalisation. The latest statistics available estimate that about 115,517 abortions in 2010 out of a total Italian population of 60.77 million and a national rate of 8.5 abortions per 1000 women between 18 and 49.
In 2009, the notorious abortion drug regimen, RU-486, was approved for use in early pregnancies. Italian ambivalence about abortion was demonstrated in 1981 when a national referendum to repeal the law was rejected by nearly 68 per cent of voters and another, that would have removed legal restrictions was rejected by 88.4 per cent.
Marcia per la Vita, Roma organizers have asked for help with advertising expenses. In a media release today, organizers explained that radio spots, posters and newspaper ads have cost a total of around 10,000 Euros. "We ask you to help us according to your abilities, to give our event the biggest impact possible," they said.
"The life of a human being is priceless and we will be in the streets to join our voices in defense of innocent human life that is suppressed every day, every minute, in the world and also in Italy!"
Visit the Marcia per la Vita website for more details on how to donate.


text:
Hotelier Indonesia
Beginning on Global Running Day, Westin Pilots Reflective Gear, Adding to the Brand's Popular & Pioneering Gear Lending Program
Beginning on Global Running Day, Westin Pilots Reflective Gear, Adding to the Brand's Popular & Pioneering Gear Lending Program
Bethesda, MD., June 7, 2017 – In celebration of Global Running Day, Westin Hotels & Resorts, part of Marriott International, Inc. (NASDAQ: MAR), today announced an addition to the brand's game-changing Gear Lending program, which offers guests access to New Balance® shoes and workout apparel during their stay for only $5.00 USD or the local currency equivalent. For the month of June, reflective wristbands and light-up sneaker clips will be included in the Gear Lending offering, allowing guests to pack light, stay fit, and now, rise earlier.
"Travelers today are over-scheduled and always-on; in response, we are seeing people realign their priorities to put their well-being first," said Brian Povinelli, SVP and Global Brand Leader, Westin Hotels & Resorts. "Whether at home or on the road, often the only time guests have for themselves is the morning. Fueled by our guests' passion for running and the brand's promise to empower travelers to move well, we hope this extension to our Gear Lending program will inspire travelers to rise early and own their morning on Global Running Day and beyond."
Global Study Sees a Surge in Travelers Sweating Before Sunrise
With less time and more disruptors on the road, 3 in 4 people have trouble maintaining their wellness routine while traveling: sleeping less and exercising less with increased stress levels, even when on vacation. In response, guests around the globe are increasingly getting up before the sun to own their morning through well-being and regaining control of their routines on the road.
A global study conducted in partnership with StudyLogic revealed that almost 40% of global respondents are most in control of their wellness routine between 4:00 a.m. and 10:00 a.m. Surprisingly, nearly 25% of respondents specified that they are most in control between 4:00 a.m. and 6:00 a.m. And many of those wellness routines include running: 45% of global respondents intend to run while traveling.
"As someone who travels throughout the world bringing to life the brand's renowned running program, I have never met a guest who wakes up early to run and regrets it," said Chris Heuisler, National RunWESTIN™ Concierge. "There is magic in the early morning hours that fosters a sense of comradery, broadens your perspective and reframes your day. With a strong commitment to the running community, we are delighted to shine a new light on running for travelers and support an event that has quickly become a global phenomenon celebrated around the world."
Rise & Shine: Westin Hotels & Resorts Celebrate Global Running Day around the World
Today the brand boasts nearly 200 Run Concierges globally, who host group runs for guests and encourage runners of all levels to grab a runWESTIN™ map and explore their destination. Whether it is millennials, who view fitness activities to be more social than competitive; business travelers who are shifting their preference from country clubs to running clubs; or even honeymooners, who are increasingly running together as a way to decompress, disconnect and be a tourist at the same time; Westin continues to evolve its offerings to support the running community.
To celebrate Global Running Day, Westin hotels around the world will host empowering runs enlisting guests and associates to rise early and own their morning. Equipped with the brand's new reflective gear, Run Concierges will lead runners through the scenic routes of cities, along beachfronts and amid rural landscapes to experience sunrise through Westin's well-being lens.
In "the City that Never Sleeps," guests and locals will hit the pavement before Manhattan wakes up with a run beginning at The Westin New York at Times Square, along the scenic Westside Highway and culminating with a fresh and refueling breakfast downtown. In Mexico, the newly built Westin Cozumel has partnered with New Balance Ambassador and Olympic Medalist Ismael Hernandez to lead an inspiring morning run along the coastal beach town; while in Germany, The Westin Hamburg has partnered with Mourad Bekakcha, the fastest runner in the region, to run and train with travelers along the waterfront of the famed port city.
Many Westin hotels around the world will join the celebration in markets including: Austin, Beijing, Boston, Costa Rica, Cairo, Cape Town, Vancouver and Jakarta among others.
Brand Campaign Challenges Travelers: "Will You Get Up, or Will You Rise?"
This initiative follows on the heels of the brand's launch of its new multi-million-dollar campaign, Let's Rise, which takes on the disruptions, distractions and unpredictability of travel while empowering travelers to embrace well-being as a way to regain control of their routines and be their best while on the road.
Because morning is the first and best opportunity to take control of the day ahead, the campaign uses morning light as a consistent creative device to speak to the potential that the morning holds. Overall, the campaign calls consumers to answer a simple question, "Will you get up, or will you rise?" The Let's Rise mantra will continue to serve as an anchor for the wellness programs and partnerships that roll out for guests and associates throughout the year.
To learn more about Westin and its fitness offerings visit westin.com/letsrise or westin.com/movewell.


text:
My good friend and fellow art director Christian Williams will be running the Boston Marathon on April 16 for the Dana-Farber Marathon Challenge (DFMC). I've known Christian for about 6+ years and therefore I know this is a HUGE challenge for him, (he practically hates running.) BUT I also know that he is very determined, which means he will succeed even if he's crawling across the finish line. Using his art director skills he created a great little campaign/site for his journey. And he's challenging all of us to donate at least five dollars. "Five dollars. It's not a lot to part with. We spend almost that much a day on coffee. Five dollars may not seem like a lot. But, if enough people contribute…five dollars will add up quickly. In addition to knowing that you've contributed to one of the nations leading cancer institutes I'll also go ahead and send you one of the buttons shown below. Please do you part and spread the word. Together We Can."
Please donate if you can and spread the word because every bit helps. For more information about the marathon and Christian's running journey check out his site Make My Feet Go.
Donate here.
Pin It


text:
I have for a long time now contended that most atheists had low self esteem. I found several sources that asserted it but with no empirical proof. The reason I thought it must be true is because they are always mocking and ridiculing religion and religious people. It stuck me that they were doing that to bolster their own egos. I have now found empirical evidence of this notion. There are several studies that claim to demonstrate that atheists have low self esteem. This is still not proof. There is a long way to go to prove the argument, and I'm sure that its not true of all atheists anyway. These studies are limited in many ways. but there are several of them and they do cover more than one culture. It's a good start on exploring a hypothesis. The main study I am examining here, however, is called "rejection of Christianity and Self Esteem." I will refer to this study as RCSE.
All the studies are done by the same group Emyr Williams, Leslie J Francis, Mandy Robbins
University of Wales, Bangor, UK the major study uses A sample of 279 13- to 16-year-old secondary school pupils in Wales completed the Rejection of Christianity Scale and the Coopersmith Self-Esteem Inventory. After controlling for sex differences a small but significant correlation was found between the two variables, indicating that low self-esteem is associated with the rejection of Christianity. Leslie J. Francis did three of the IQ studies that show no correlation between religious belief, lack thereof, and intelligence. The last such study he did was in 1996, but he has done three such studies on IQ and religious belief.
The rejection of Christianity scale was constructed by Francis, but not just for this study. The Coopersmith Self-Esteem Inventor is standard has been used for a while.The study was done as a smaller piece of a larger picture that consists of several more studies and seeks to understand the relationship between self esteem and religoius belief. The larger picture is an argument that acceptance of Christianity is based upon good self esteem.
From RCSE:
Much of the work that measures religiosity uses items that are specifically designed to determine positive valency. For example, the Francis Scale of Attitude toward Christianity (Francis, 1978; Francis & Stubbs, 1987) assesses how positively people feel about God, Jesus, the Bible, prayer and church. Using this instrument, a number of studies have demonstrated a positive association between a positive attitude toward Christianity and a range of positive psychological categories, such as happiness (Francis, Jones, & Wilcox, 2000), general psychological health (Francis, Robbins, Lewis, Quigley, & Wheeler, 2004) and life satisfaction (Lewis, 1998). In particular, several studies have now confirmed the link between a positive attitude toward Christianity and better self-esteem (Jones & Francis, 1996).In other words a fairly large body of work already exists documenting the relationship between acceptance of Christianity and good self esteem. Measurements of things like happiness and self esteem are standard and have long been demonstrated by well validated measurement instruments.
The rejection of Christianity scale:
from RCSE:
By way of contrast, the Rejection of Christianity Scale proposed by Greer and Francis (1992) was designed to assess negative valency. The authors of the measure presented 32 negatively phrased questions to a sample of 875 fourth- and fifth-year secondary school pupils attending ten Catholic and ten Protestant schools in Northern Ireland. The questions that received the lowest item-rest-of-test correlations were rejected, leaving a scale of 20 items generating alpha coefficients of 0.94 for the Protestant sample and 0.90 for the Catholic sample. This scale has been shown to have internal consistency reliability among Northern Irish undergraduate students (Lewis, Maltby, & Hersey, 1999) and Welsh undergraduate students (Robbins, Francis, & Bradford, 2003).
Little research has been done to relationships between this measure and self-esteem. Since previous research has shown that there is a positive correlation between self-esteem and indices of religiosity designed with a positive valency (Jones & Francis, 1996), it is hypothesised that a negative relationship will be found between self-esteem and this measure of religiosity designed with negative valency.
A total of 279 secondary school pupils in Wales from years 9, 10 and 11 completed the 20-item Rejection of Christianity Scale (Greer & Francis, 1992) and the 25-item Coopersmith Self-Esteem Inventory (Coopersmith, 1981). One quarter (25%) were aged 13, one third (32%) were aged 14; 30% were aged 15, and 13% were aged 16. Males comprised 56% of the sample and females 44% of the sample.
The Rejection of Christianity Scale (Greer & Francis, 1992) is a 20-item Likert-type instrument, employing a five-point response scale ranging from 'agree strongly', through 'agree', 'not certain', and 'disagree', to 'disagree strongly'. The scale measures negative valency toward Christianity. This scale is designed so that higher scores indicate a higher tendency to reject Christianity.
The Coopersmith Short-Form Self-Esteem Inventory (Coopersmith, 1981) is a 25-item instrument, employing a dichotomous response scale of 'yes' and 'no'. The possible range of scores for this form of the Coopersmith Self-Esteem Inventory is 0-25, with higher scores indicating higher self-esteem.
Both measures achieved satisfactory Cronbach alpha coefficients (Rejection of Christianity Scale, .88; Coopersmith Self-Esteem Inventory, .80). After controlling for sex differences by means of partial correlations, the data demonstrated a small, but significant, correlation (r= -0.14, p <.05) between self-esteem (M = 15.3, SD = 4.9) and rejection of Christianity (M = 62.7, SD = 13.2) indicating that as teenagers' endorsement of negative statements concerning Christianity increases, their scores of negative self-esteem also tend to increase.
The present study has explored the relationship between rejection of Christianity and self-esteem among adolescents in Wales. After controlling for sex differences a small but significant negative(References used by RCSE can be seen in link above).
correlation is found between high-self esteem and rejection of Christianity, as hypothesised. This finding strengthens the conclusions drawn from studies like that of Jones and Francis (1996), which demonstrated a positive correlation between high self-esteem and a positive attitude toward Christianity by demonstrating that the association is not a function of the valency of the measure of religiosity. Evidence of this nature appears to be suggesting that the Christian tradition is supportive of the development of self-esteem among young people rather than detrimental to it.
The major criticism is that this study is not representative. It's only a small sample of Welsh children.
The rejection of Christianity scale has been validated.
fromRCSE :
This scale has been shown to have internal consistency reliability among Northern Irish undergraduate students (Lewis, Maltby, & Hersey, 1999) and Welsh undergraduate students (Robbins, Francis, & Bradford, 2003).
That is to say these are not the same as above, where those were done on secondary students these are done on college (Undergraduate). Although Wales and Ireland are basically the same general culture. The work on self esteem and rejection of Christianity is just getting started. The other pieces of the puzzle in this equation have all been put in place. The rejection of Christianity scale has been validated cross culturally in several studies. The link between postie self esteem and acceptance of Christianity has been validated cross culturally and the attitude toward Christianity scale has been validated cross culturally. Francis scale of attitude toward Christianity has been cross validated in Hong Kong and Belgium.
A second argument used by atheists is that kinds are being given negative self images by religion, they are blamed for being gay and other things churches call 'sin' thus they are given their negative self esteem in return they reject religion because it has rejected them. On the face of it that looks a pretty likely senerio. Through what mechanism does this happen? Is it inherent in all religion or is there way to avoid it? Ralph Peidmont wrote a book that is part of a mulch-volume set called Research into the Social Scientific Study of Religion volume 16.He discusses a study by Francis (p105) that establishes a positive correlation between a positive God image and high self esteem. In other words if you teach children that God is good and loves them they will will tend to have higher self esteem than if you teach them a negative, that is critical, fault finding, legalistic, blame oriented view of God.
The Fracis study in Peidmont's book used
...a 735 secondary pupils between 11-18 competed the Coopersmith Self-Esteem inventory and Revised Junior Eysenck Personality Questionnaire and a semantic differential index of God images in order to examine the relationship between God images and self-esteem while controlling for personality factors. The data demonstrates a significant corroboration between positive God images and positive self esteem, after controlling for individual differences in personality. (105)
Peidmont traces the currents of social science research on the top through seven different "strands" of thought which include everything form "religions causes negative self-esteem" to "religion causes postiive self esteem" and all the machinations one can think of based upon variations of those two poles. The problem is none of that research was based upon the kind scientific instruments and controls that Francis uses. Peidmont discusses the work of Spilka and Benson who start from the other end of the spectrum and investigate the assumption that self-esteem shapes he acceptability of God images. Francis in Peidmont quotes Benson and Spilka in 1973:
Persons with high levels of self esteem may find it difficult to share the same religious belief. A theology predicated upon a loving accepting God is cognitively compatible with high self esteem, but it could be a source of discomfort for a believer low in self esteem. It does not make good cognitive sense to be loved when one is unlovable. Consequently the latter person can march to a different theology, one that is more consistent with his self image. (Benson and Spilka 209-210).
The implications are intriguing becuase it not only means that people who present a mean legalistic view of God have low self-esteem, not only that atheist's rejection of God is due to their low self esteem but that for those atheists who really rail against God as evil, mean, and vicious, they are really railings against themselves. Whereas it doesn't necessarily follow that we can correct it by teaching people that God is loving. Would they just reject the notion of a loving God because it doesn't fit their sense of self?
Benson and Spilka* did two studies in (73) and (75). the latter done by Spilka, Addison and Rosenshon. Both studies determined self esteem by a modified Coopersmith. They assessed God images by means of semantic differential grid which generated two scales defined as measuring a loving God image and a controlling God image.Self-esteem was negatively related to a wrathful God image. Among female students self esteem was negatively related to a wrathful God image. Although Peidmont shows other studies that didn't find a correlation, Cartier and Goehner (1976) related measures of self-esteem with God images (Peidmont 109).
The significance of this is two fold. If it is true that theological teaching is to blame for self image, or to laud for good self image, it behooves the chruch to seek to teach healing images of God. This may be a huge short coming for which a great deal of theological education deserves blame. It may also be the case that being an atheist, at least for some, has less to do with reason and logic as the atheist tyr to argue it does, and more to do with hidden psychological motives.