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We've assembled all our important legal documents here for your convenience.
This website (the "Website") is operated and owned by CurrencyFair [CurrencyFair Limited, Colm House, 91 Pembroke Road, Ballsbridge, Dublin 4, Ireland.] ("CurrencyFair"). Please read the following terms and conditions before using this Website. By accessing and using this Website you acknowledge that you have read, understood and agree to be bound by the terms and conditions. By continued use of the Website you will be bound by revised or further terms and conditions as published on the Website. You should therefore check these terms and conditions every time you use the Website. If registering on behalf of a business you hereby declare that you have the authority to bind that business to these T&Cs.
1.1 You should not use the Website from any country where accessing or using the Website or any of the information, products or services on it is prohibited by law. This Website does not constitute any invitation or solicitation by CurrencyFair to any person to use any such information, products or services in countries where to do so is prohibited by law.
2.1 This Website may only be used by individuals, companies or other legal persons who have the legal capacity to enter into legally binding contracts under the law applicable in their country of residence. Without limiting the foregoing and by way of example this service is not available to persons under the age of 18 or otherwise under legal age of majority or to persons of unsound mind. If you lack the legal capacity to enter into a contract you may not use this service and CurrencyFair shall not be responsible for any unauthorised use of this service by such persons.
2.2 The content of the Website and the products and services made available by CurrencyFair on the Website are intended for use by holiday or business travellers or by individuals or corporations seeking to purchase currencies for legitimate use, and should not be used for speculation or investment.
3.1 CurrencyFair may, in its absolute discretion, make such changes to the Website content or the products and services offered by CurrencyFair through the Website as CurrencyFair considers appropriate from time to time.
4.1 CurrencyFair may terminate your use of the Website for any breach of these terms or conditions or for any breach of law or regulation or for any reason CurrencyFair considers appropriate in order to comply with anti-money laundering and other financial regulations. CurrencyFair reserves the right to decline any part of your order at any time.
5.1 All intellectual property and all materials comprising or contained in the Website including but not limited to all text/articles, logos, software and images, are owned, or as the case may be licensed, except as otherwise expressly stated, by CurrencyFair. The materials contained on or comprising the Website may not be copied or redistributed for commercial or private purposes of any kind without prior written permission from CurrencyFair. CurrencyFair grants you a non-transferable and limited personal licence to access and use the Website. This licence is conditional on your continued compliance with these Terms & Conditions. You agree not to "deep-link" to the Website, resell or permit access to the Website to others and you agree not to copy any materials appearing on the Website for resale of for any other purpose to others without the prior written consent of CurrencyFair. For the avoidance of doubt, you will be responsible and bound by any unauthorised use of the Website made in breach of this section.
6.1 CurrencyFair may provide links to other websites that are controlled or operated by third parties. Links to other websites are solely provided for your convenience and are not an endorsement, authorisation, sponsorship or affiliation by CurrencyFair with respect to such site, its owners or its providers and you shall not hold CurrencyFair liable for any loss or damage caused by use of or reliance on any content, goods or services available on these linked sites.
7.1 All content shown on the Website (and all services and products provided by it) are provided and made available without any warranties, conditions or guarantees given by CurrencyFair. All such warranties, conditions or guarantees which would otherwise be implied by law are excluded to the fullest extent permitted by law. In particular, CurrencyFair does not warrant the accuracy, suitability, reliability, completeness, performance and/or fitness for purpose of the content of any services or products available through this Website.
7.2 CurrencyFair shall use its reasonable endeavours to ensure that any dated information contained or reproduced on the Website is obtained from sources believed to be reliable and has been prepared in good faith and with all reasonable care. CurrencyFair does not accept any responsibility to update or amend any information and makes no warranty concerning the completeness and exactness of such information. CurrencyFair will not have any liability for the use or interpretation of such information. None of the information constitutes financial or investment advice. Daily data is not readily available for some exchange rates and therefore may be out of date.
8.1 Any communications or materials of any kind that you e-mail, physically mail, telephone or otherwise transmit through the Website, including information, data, questions, comments or suggestions ("your communication") will be treated as non-proprietary and non-confidential and CurrencyFair may use your communication in any way it thinks fit, either on the website or elsewhere with no liability or obligation to you. CurrencyFair is free to use any idea, concept, know-how or technique contained in your communication for any purposes including but not limited to developing and marketing products. CurrencyFair may monitor your communications for the security of the website and such monitoring will not entitle you to any cause of action or give you any right to the manner in which communications are monitored. CurrencyFair will not be liable for any costs, damages, expenses or any other liabilities incurred as a result of CurrencyFair's monitoring activities.
9.1 You agree to use the Website at your own risk.
9.2 CurrencyFair uses reasonable skill and care in providing its products and services to you. However (to the maximum extent permitted by law) CurrencyFair is not liable to you for any loss, damage, claim or compensation (including loss of profit or loss of use) incurred by you from your use of, or your inability to use, the Website or the products or services offered through or by the Website however caused notwithstanding any error or omission including negligence.
9.3 CurrencyFair shall not be liable to you or any third party for any loss, damage, claim or compensation (including loss of profit or loss of use) incurred by you resulting from the failure of CurrencyFair to execute any transfer in accordance with the instructions from you.
9.4 Time shall not be of the essence for the processing of any transfer. In particular, CurrencyFair accepts no responsibility for any delay in onward payment attributable to the late arrival of your instruction for transfer relative to the cut off times of our bank.
9.5 CurrencyFair shall not be liable for any fees or commissions charged by any intermediary bank or other entity when funds are deposited in your CurrencyFair account or transferred to your personal or beneficiary account.
9.6 CurrencyFair's maximum aggregate liability to you in respect of all foreign currency transactions undertaken by you shall be limited to a refund equivalent to any monies you have paid to CurrencyFair to acquire foreign currency.
9.7 You agree that CurrencyFair will not be responsible in any way to you or any other person in the event of force majeure or for the act of any Government or legal authority.
9.8 For your protection and that of other users you should not share your registration information (password, User Name, security questions and PIN) with any other person or entity for any purpose. You alone are responsible for all acts or omissions that occur within the Website through the use of your registration information.
9.9 You hereby indemnify and hold blameless CurrencyFair, its directors, officers, employees and agents form and in respect of any loss, damage, liability, cost or expense that it may suffer or incur by reason of you failing to discharge your obligations under or acting in breach of any of these T&Cs or any breach of any applicable law or regulation.
9.10 You shall be responsible for providing and maintaining the means by which you access the Website which may include but is not limited to a computer and a modem or telephone. You shall be responsible for all access, service and ongoing fees necessary to connect to the Website and you shall assume all risks associated with the use and storage of information on your computer or on any other computer through which you will gain access to Website and our services. You agree that CurrencyFair will not be liable in any way to you in the event of failure of or damage or destruction to your computer system, data or records or any part thereof or for any delays, losses, errors or omissions resulting from the failure or mismanagement of any telecommunications or computer equipment or software. You will not expose the website to any viruses, trojans or other similarly harmful or inappropriate material or device. In the event that any such viruses etc. are deemed to have been transmitted to the website from your account CurrencyFair reserves the right to terminate your account and you shall be liable for the cost to CurrencyFair of removing such viruses etc. and CurrencyFair shall have the right to set-off the cost against any balance held to the credit of your CurrencyFair account.
9.11 CurrencyFair is not liable for any viruses for other technologically harmful material that may affect your computer equipment, computer programs or other material resulting from your use of the Website.
9.12 If you have a mobile device with fingerprint authentication enabled, you will have the ability to access the CurrencyFair mobile app using your fingerprint data. If your device does not have fingerprint authentication enabled or available, you can also access the CurrencyFair mobile apps via your mobile PIN or your email address and password combination. You alone are responsible for all acts or omissions that occur within the CurrencyFair mobile apps through the use of your registration information, PIN or biometric data. Please note that CurrencyFair does not retain or store any biometric data.
10.1 The marketplace will be open during the periods published in the FAQs which may be updated from time to time. CurrencyFair reserves the right to open or close the market earlier or later than the published times.
10.2 At the point the marketplace is closed all open orders will be cancelled. Should your order be cancelled as a consequence of the marketplace closing CurrencyFair will return the balance of your funds in the marketplace to your CurrencyFair account and send you an email informing you of such cancellation and transfer.
10.3 CurrencyFair reserves the right to suspend the marketplace at any time and for any length of time. While the marketplace is suspended you will not be able to place orders but you will be able to cancel open orders. During suspension CurrencyFair will not cancel any open orders.
10.4 CurrencyFair is not liable to you for any loss, damage, claim or compensation (including loss of profit or loss of use) incurred by you from your inability to use the Website or the products or services offered through or by the Website during the periods in which the marketplace is closed or suspended.
11.1 Please follow the steps on the screen in order to place or match an order. CurrencyFair reserves the right to ask for further information before placing or matching the order in the market.
11.2 CurrencyFair will use various procedures to authenticate each order for the purposes of law and regulations including anti-money laundering regulations. CurrencyFair reserves the right to decline to continue to process any part of your proposed order at any time.
11.3 You will be able to correct the details of your order any time up until the order enters matched status. After that point you will no longer be able to correct details of your order.
11.4 CurrencyFair will send you an email acknowledgement of your proposed order once it has received it but please note that this is an acknowledgement only and does not constitute acceptance of your proposed order by CurrencyFair.
11.5 All orders placed are subject to matching by CurrencyFair and CurrencyFair will confirm such matching to you by sending you an email that confirms that the order has been matched. The contract between CurrencyFair and you will only be formed once CurrencyFair sends you the confirmation email that your order has been matched. Until that time there will be no binding arrangement for CurrencyFair to supply you with any foreign currency or other services. You should print and retain a copy of the confirmation email for your records.
11.6 CurrencyFair is entitled to refuse, withdraw or cancel your proposed or matched order at anytime, for any reason.
11.7 Should your proposed or matched order be cancelled before being processed CurrencyFair will seek confirmation from you as to whether you wish the cleared balance of your CurrencyFair accounts transferred as per your specific instructions. In the event a proposed or matched order is cancelled on the instructions of any law enforcement agency or regulatory body CurrencyFair may retain all or any of your money if it is required to do so by law and then deal with it as ordered by a court or other body of competent jurisdiction.
11.8 You are responsible for any additional costs incurred by CurrencyFair in the event you have provided incorrect payment instructions for the purpose of transferring funds from your CurrencyFair account.
12.1 You shall not be entitled to any interest on funds held in your CurrencyFair account.
12.2 CurrencyFair may deduct from any deposits or transfers such amounts as may be required by law or as may be charged by CurrencyFair in respect of transfer or other charges owed to CurrencyFair.
12.3 You agree and represent that all funds deposited by you in respect of any order will be legally and beneficially owned by you in full and will not be subject to any charge or lien or other encumbrance of any kind.
12.4 All funds deposited by you under these Terms may be used by CurrencyFair in the performance of its own obligations to any counterparty of CurrencyFair or otherwise in relation to your order.
13.1 If any provisions of these terms and conditions including these disclaimers and limitations shall be unlawful or unenforceable then such provisions shall fall away and shall not affect the validity and enforceability of the remaining terms. Your statutory rights remain unaffected.
14.1 CurrencyFair processes information about you in accordance with its privacy policy. By using the Website you consent to such processing and you confirm that all data you provide is accurate.
14.2 Third Party Analytics. By using CurrencyFair, you agree to the use of third party analytics.
15.1 All use of the Website and these terms and conditions is governed by the laws of the Republic of Ireland.
15.2 All disputes arising out of the use of the Website and/or any services or products provided by CurrencyFair or any dispute relating to these terms and conditions shall be resolved by the Courts of the Republic of Ireland.
16.1 As a Payment services business CurrencyFair is regulated by the Central Bank of Ireland. CurrencyFair Ltd is a Corporate Authorised Representative (No.419450) of CurrencyFair Australia Pty Ltd, regulated in Australia by ASIC (AFS License No. 402709). As a regulated entity, CurrencyFair is required to comply with regulators law and requirements. The Regulations requires Payment Institutions, amongst other things, to apply anti-money laundering and counter financing terrorism procedures aimed at detecting and preventing financial crime. Our staff are fully conversant with Anti-Money Laundering guidelines and are aware of their responsibilities in the monitoring and reporting of any actions that raise suspicion or give cause for concern.
16.2 CurrencyFair may utilise the services of a third party in order to confirm your identity as part of the registration process.
16.3 CurrencyFair reserves the right to collect identification from you prior to the depositing funds and placement or matching of an order. In general, CurrencyFair collects identification in the form of a copy of a passport/drivers licence and a utility bill showing your current residential address dated within the last three months.
16.4 You should assume all information provided to CurrencyFair is available to regulatory authorities in both the country of origin of the funds, and the destination country of the funds.
16.5 You represent and warrant that the monies transferred to your account with CurrencyFair are not connected in any manner to any unlawful or illegal activity.
16.6 CurrencyFair reserves the right at all times to refuse to process any proposed or matched order which it believes in its sole discretion, is connected in any manner to any unlawful or illegal purpose. We have a legal obligation to report to the Regulatory Bodies any such suspicious transactions.
16.7 CurrencyFair is obliged by law to monitor any unusual or suspicious transactions of any size taking place where we have reasons to believe the money is derived from suspicious, unlawful or illegal activity. CurrencyFair reserves the right to review such transactions. In the event that this review causes a delay to the deposit, trade or transfer, Currency is not liable for any late fees, unpaid invoices or any other costs associated with the transaction.
16.8 There is a statutory obligation on all CurrencyFair employees and their agents to report suspicious transactions to the local authorities. Where any such report is made, CurrencyFair accepts no liability for any delay in transmission of or confiscation of the funds.
17.1 Currencyfair may from time to time run a refer a friend program or other such promotional activities. When such is run by Currencyfair the terms and conditions thereof can be found here.
The security of your funds while they are with us is our primary concern. CurrencyFair is fully regulated as a Payment Services provider and holds all client funds separately in a highly-rated, global (not Irish) financial institution, so you can rest easy knowing that your funds are always protected.
CurrencyFair Limited is regulated (fully authorised) by the Central Bank in Ireland under the European Communities (Payments Services) Regulations 2009. This regulation governs foreign exchange and money remittance. The Central Bank imposes minimum capital requirements and ensures the highest standards for internal policies and procedures, detection of financial crime and the protection of client funds. You can check the register here, and find out more information here.CurrencyFair Australia Pty Ltd (ABN 94 147 506 410) is regulated by the Australian Securities and Investments Commission ("ASIC"), AFSL No. 402709. CurrencyFair Limited (ARBN 154 043 455) has been appointed as a Corporate Authorised Representative No. 419450 by CurrencyFair Australia Pty Ltd.
CurrencyFair holds all client funds in segregated client accounts held with our global banking provider. These accounts are separate from any CurrencyFair corporate accounts. Client funds are never commingled with those of CurrencyFair and we cannot use them to settle any of our own obligations.
CurrencyFair complies with the Anti-Money Laundering and Counter-Financing of Terrorism (AML/CFT) legislation. These legal requirements mean CurrencyFair will report any suspicious transactions or fraudulent use of identification documents. To do this we maintain very high standards that require us to:
CurrencyFair may require its clients to provide additional information or documentation to fulfil our legal obligations and where it deems appropriate refuse any client or transaction that is suspected of being related to financial crime.
Please Contact Us to request a hard copy of the Product Disclosure Statement. An electronic version is available here.
Please Contact Us to request a hard copy of the Financial Services Guide.
An electronic version is available here.


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Ukaz or Ukase (Russian: указ, pl: указы) in Imperial Russia was a proclamation, edict, or ordinance of the tsar, government, or a religious leader, such as the patriarch of the Orthodox Church of Russia, that had the force of law. Popularly, Ukaz became a term for any official decree, and is generally translated as "decree".
The term Ukaz came from the verb ukazat, the perfective form of the verb ukazyvat, which has the meaning of to show, announce, or prescribe.
The term was also in use in Soviet Russia and Soviet Union.
In politics of modern Russian Federation, a ukaz has a specific meaning of the presidential decree.
Ukaz No. 362 of November 20, 1920 is notable as the attempt by Patr. Tikhon of Moscow to provide guidance for governance of the Church of Russia as the Bolsheviks assumed power in Russia after the October 1917 Revolution.

subset: commoncrawl


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FREE USA SHIPPING $100 minimum
Planet Wise Products: The GREEN Solution to Your Everyday Needs
Whether you're at home, going to school, on a long trip, or just on your way to the pool, Planet Wise has reusable products to help you stay green. Our large variety of Wet Bags are perfect for wet and smelly situations; everything from diapers to gym shoes. Hungry? Take your lunch on the go with our a Reusable Sandwich Bag.


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18K yellow gold, 73 round diamonds weighing approximately 5.15 carats with G-H-I color and VS-SI clarity. Size 6 1/2. Total weight: 22.83 grams.
Maison Mèrenor offers complimentary shipping on all orders both from the boutique
and online at maisonmerenor.com. We currently do not accept international orders online. To inquire about purchasing and shipping a piece internationally,
please contact us.
We have a 10-day return policy. You have 5-days to request a return
via firstname.lastname@example.com after you have received the item and another 5-days to ship back to our team after the return shipping label has been sent to you. A 3%
restocking fee to cover the cost of the credit card processing fees that are non-refundable to us, plus the cost of return shipping will be subtracted from the refund
amount. If you would like to pay using a different form of payment to avoid the 3% restocking fee, please contact us..
Maison Mèrenor is not responsible for shipping delays caused by weather, the actions of the shipping company or circumstances beyond our control. *Please note
that for online orders, we only ship in the contiguous United States (this excludes Alaska, Hawaii, US Territories and APF/FPO addresses).
View our full shipping and refund policy here.


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Irrigation is a relationship business. The Irrigation Association offers a wide range of ways to network with peers, current and potential business partners, and industry thought leaders. Take advantage of IA opportunities to expand and strengthen your personal and professional network by:
In addition to networking opportunities, IA helps you grow your business with:


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9 Wonderfully Cute Family Halloween Costumes [PICTURES]
The Munsters. The Addams Family. The Von Trapps. These famous fictional families made a habit out of appearing together in costume. After all, nothing screams "familial bond" like donning face paint and lederhosen as a nuclear unit.
With Halloween fast approaching, real families everywhere aren't about to pass up an opportunity to get in on the "dressing-Dad-up-as-the-fourth-ninja-turtle-equals-more-candy" action. From the whimsical to the wacky, here are 10 families who prefer to trick-or-treat as a tribe.


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I want to thank Noel and Gonzalo and the Foreign Policy Association (FPA) for this award, for this great honor—and for bringing together so many old friends.
I also want to thank Bill, Jerry and Paul for their exceedingly generous comments. More importantly, I would like to thank them, and all of you with whom I have worked over the years, for your patience as you educated me, and for your generosity in sharing your insights and your understanding. I am very grateful.
It is no secret that I believe the best public policy is made quietly, behind the scenes. So it is not often that I allow myself to be on this side of a microphone. Actually, I am still wondering how I did let this happen.
As you know, much of my career at the New York Fed has been spent working with countries in the Emerging World. And for much of that time, the focus was on dealing with episodes of financial stress originating there. There have also been events closer to home—9/11, Long-Term Capital Management (LTCM), the 1987 stock market crash—in which the Federal Reserve played a role in helping our markets and economy work their way through.
Those experiences taught those of us that went through them a great deal about how crises develop and unfold, and about ways they are best managed.
But even for those of us who have seen their fair share of stressful episodes, the events of the past year and a half were without precedent in terms of complexity, speed, magnitude, and frightening implications.
This was not merely distress at an institution, or troubles in a market, it was a run on the system. Liquidity, trading, and confidence collapsed virtually overnight. In an industry that runs on confidence—the root of the word credit comes from the Latin "to trust"—suddenly no institution in the world trusted or wanted to deal with another unless a central bank stood between them.
How did we get ourselves into such a mess? Much of recent commentary has focused on assigning blame, and surely there is plenty to go around. But a narrative focused mainly on finding culprits risks obscuring the deeper structural issues that were integral to the crisis, and that will need to be dealt with if we are to successfully move to a more resilient system.
The vulnerabilities at the heart of the problem—excessive complexity, leverage, and opacity—did not emerge overnight. They evolved over a period of years, against a backdrop of benign macroeconomic and financial conditions that fostered an under-appreciation of risk and a reach for yield by investors.
The past two decades were a period of enormous financial innovation, reflecting changes in technology, accounting, regulation, instrumentation and market practice. Our system evolved from one funded by intermediaries, to one largely financed by markets. The traditional ties between borrower and creditor were weakened as credit risk became just another commodity to be traded and distributed.
These developments contributed to economic vibrancy and efficiency. But they also helped obscure growing leverage and declining underwriting standards, and encouraged the fanciful belief that the US economy and financial system were infinitely resilient and could support our living beyond our means indefinitely.
The tipping point at which confidence is lost and replaced by uncertainty, mistrust and fear is never visible until after it occurs. And so it was this time.
Unprecedented policy interventions were needed to put a floor under confidence and pull us back from the brink.
And while we have come a long way since the dark days of last year, the history of this episode is still being written, and the recent celebration in markets seems oddly premature. The decline in global manufacturing and trade over the last year (which was as or more severe than the first year of the Great Depression), will cast a long shadow, notwithstanding recent improvement.
A range of vulnerabilities still remain, not only for the economy, but also with regard to the unfinished business of cleaning up the banking system and the prudent exit from unprecedented policy interventions—processes that present complex challenges, that involve potentially important indirect as well as direct effects, and that will need to be carried out without a guide book. We have been using experimental drugs on a rare disease—and while the patient's vitals are improving, the cure could have important and long-term side-effects that need to be closely monitored.
The upshot is that a quick return to business as usual is highly unlikely. And also undesirable. Restoring growth and stability will require movement toward a new economic equilibrium, a more sustainable one; one based more on competing in the global economy, and less on spending and borrowing. Needless to say, establishing such a shift will not be without its challenges.
The broad parameters of what needs to be done seem reasonably well understood:
- We need to deliver on meaningful reform of our financial system, taking into account the lessons from the recent past. This will entail better capital and liquidity buffers, more comprehensive and systemic oversight, more robust market structures, and better tools for defusing and unwinding systemic threats.
- Our public finances need to be put back on track. We would be kidding ourselves if we believed that today's large structural fiscal deficits are consistent with a continuing strong global leadership role.
- And we need to strengthen our competitiveness in the global marketplace
and rebuild our once vibrant tradable goods sector and our infrastructure.
Meeting these challenges will not be easy, and the process will necessarily take time. We need to navigate the transition from near-term support for our convalescing economy and markets into longer-term thrift and higher margins for safety in the financial sector. We face difficult choices regarding spending priorities and the means to pay for them, as well as thorny questions regarding appropriate design and oversight of our financial system.
We also face challenges in terms of our global leadership. Economics and finance have increasingly become the principle theater of engagement globally. We have enjoyed many advantages in this realm over the years: the large size of our economy and its historical dynamism, the vitality and sophistication of our financial markets, and our track record for economic management.
But the world has been changing in important ways, many of them related to continued growth in the emerging world. There is no question that the current crisis has given additional impetus to a dynamic that was already well in train: a shift in the economic center of gravity from the so-called advanced economies toward the emerging world.
The emerging world already accounts for about half of global output, and that share will almost certainly rise significantly in the years ahead, as the combination of demographics, investment and continued policy improvements propels many economies forward. We already have one new entrant to the short list of largest economies, and others are likely to join the club.
This has been a remarkable era; we are no longer alone as the central axis for the global economy. New linkages are developing across and between regions and countries, new economic and financial arrangements are being discussed, and the groundwork for new currency arrangements are being explored.
The choice that faces us is to attempt to shape these various developments—the evolution of the global financial and trade architecture and global patterns of saving and investment—or risk being shaped by them now and in the future. For my money, better to be one of the shapers than just a "shapee."
As we strive to exert leadership in the economic and financial realm, we need to keep in mind that, while we have many cards to play, our hand is not as strong as it once was, and therefore we will have to play it differently if we are to be effective.
The crisis has affected the United States' standing in the world, confidence in our economic management, and has called into question our ability to lead. We can help answer those questions by putting our house in order and delivering on the reform agenda confronting us—but this will take time. Meanwhile, our relative status is changing, as other countries expand their economic and financial footprints, and their influence.
The recent move to the G20 as the key forum for addressing global governance
issues was necessary and overdue. But making that process work will be
far more challenging than achieving consensus in the old club of rich nations.
While we have much common ground with the emerging world, there are numerous
differences as well, with regard to income levels, views on the role of the
state and markets, institutional development, political histories, and alignment
on security issues. Matters are further complicated by the heterogeneity
within the emerging world itself.
All of this implies a greater premium on consensus building and diplomacy on our part, recognizing that our leverage will not be what it once was. We also need to be attentive to the messages we receive (such as rumblings about the dollar and our policies and priorities) even when we disagree with them, and sensitive to signs of change in the economic environment and their potential implications (such as new trade linkages, the growth of state-linked investment vehicles, and shifts in attitudes toward capital mobility).
In sum, whether the continued evolution of the global economic and financial landscape will be an opportunity or a threat depends in part on the rest of the world, but mostly it depends on us. It depends on whether we will be ready to compete in the realm of business and finance and of ideas, and on whether we can adapt our leadership style to changing circumstances and imperatives. There is no question we have our work cut out for us, but if history has shown us anything, it is that we are at our best when we are challenged.
Let me conclude on personal note. It would be difficult to miss the criticisms that have been swirling about the Fed recently. One lesson that has been driven home to me over the years (and I think now about the examples set forth by Chairman Volcker and Secretary Brady and others in this room and elsewhere) is that it takes wisdom to know what to do in the face of crisis—and it takes courage to actually do it.
Now I am not suggesting that the decisions taken during those frenzied days last year, when markets were melting down and institutions were lined up like so many dominoes ready to topple, were wise or even necessarily right.
But what I can tell you is that those decisions were made for the right reasons. They were based on the facts as we understood them at the time—not as we wanted them to be, but as we found them—and in the time frames that circumstances required. And they were based on what we believed was needed to turn the tide and protect the citizens of this country—indeed the globe—from the unthinkable: an economic and financial breakdown of catastrophic proportion. The broad societal costs that may have been averted will remain unknowable, but those who would ignore them do little service to the public debate.
The men and women of the Federal Reserve—Bill Dudley and some of my colleagues are here tonight—are acutely aware that they hold a unique public trust; it is a rare privilege and a unifying, motivating force for them, and they execute on it every day with great skill, integrity and dedication. As they deal with the challenges ahead, I know they would welcome your encouragement and support.
Thank you.


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Microsoft Reaching out to Google
So right now, Google is rekindling the fires of wicked competition in Microsoft. Microsoft's response to Google was the focus of questions and angst during the Microsoft Company Meeting. We recently held an MSN Search Champs evangelical NDA meeting to start sowing the seeds of nodding consensus for when we manage to start shipping our search solutions.
But what if we went and partnered with Google?
Or at least, stepped back, slapped them on their corporate butt, and said, "Alright then, go get 'em, Tiger! Tell us what you need."
I was ambling through the forest recently thinking about this, especially given Dare's comment to the Googl e Desktop post:
Responses like this is why Microsoft will continue to engage in misguided efforts. I don't see why the fact Google is actually fixing our crappy OS search feature is taken as competition instead of symbiosis. After the billions of dollars the company spent on IE (I'm including lawsuit payouts) does the fact that the Web browser most people use is named "Internet Explorer" not "Netscape Navigator" really make a multi-billion dollar difference our bottom line? Here we go again...
What if BillG called up the Google Boys and said, "Let's work together." Eh-yeah, I don't see that happening either. However, I know people who work at Google now (in the past few months especially!). You probably know folks who work there, too. Right now we're at a fork in the road as to how we'll respond to Google, and one way is to team up with them for something productive that will benefit our users big-time.
Should we take the reigns of this relationship into our own hands and say, "No!" to frenzied We-can-do-better-Now-that-we-see-What-we-must-do'ism? Do any of you remember the Marc Andreessen photocopies with his dork-ass quotes plastered around the IE hallways back in the 1990s? That "motivational" atmosphere wasn't too cool. Let's not repeat that. Great software is not forged out of pissed-off anger and fear.
I'm going to drop some emails off over the next few weeks, asking my Nooglers how Microsoft can do better to support Google and try to sow some different seeds.
(And all of this jives nicely with my deepest desire: one reason we can compete with such blood-thirsty frenzy right now is that we have way too many employees. Most are under-utilized in money loosing endeavors. But, when a building threat like this arises they are just resources repositioned with new competitive goals. If we had less people underutilized that were so easily redeployed, we would be a leaner, meaner, and smarter organization. We would also develop strategic alliances and not feel that Microsoft had to do it all in one big entangled, mediocre mess.)


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Andre Gide adopts the heraldic term mise en abyme, or a shield shown in the center of a shield, to describe a work within a work, like The Mousetrap in Hamlet, but Gide ultimately rejects such examples because The Mousetrap does not represent Hamlet as a whole, but only the actions of the characters within the play (as I discuss in Into the Abyss: The Mise en Abyme, the Art Work Within the Art Work). In turn Lucien Dällenbach challenges Gide's metaphor of a shield within a shield, the heraldic device mise en abyme because the smaller shield does not represent the larger shield, but presents a new device. Dällenbach prefers the metaphor of a mirror, a metaphor Gide also use: "although Gide initially rejects the image of the mirror in favor of the one from heraldry, he later reverses this decision and enjoins us, if not purely and simply to substitute the idea of mirror reflection for that of the mise en abyme, at least to see the two terms as equivalent" (Dällenbach 34).
Continue reading "The Mirror in the Text: The Mirror in the Text"


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Off-duty Los Angeles police officer killed; gunman sought
LOS ANGELES (AP) - An off-duty Los Angeles police officer was shot and killed at a Lincoln Heights taco stand early Saturday and authorities are searching for a suspect.
Officer Juan Diaz was out with his girlfriend and two other males when he was shot, according to an official who had been briefed on the investigation but was not authorized to speak publicly.
Diaz was standing in line at the food truck with his girlfriend and two other males when he noticed a man vandalizing something nearby and approached him, the official said. The official did not know if Diaz identified himself as a police officer.
The man left and a short time later returned with a group of other males and lifted up his shirt to display a handgun, the official said. The official added that Diaz and the others tried to get into a car to avoid violence but the man started shooting.
Assistant Chief Beatrice Girmala said a civilian flagged down a motorcycle officer at around 1 a.m. Saturday and reported shots fired. The officer found two men had been shot.
Diaz died from his wounds and the other man was hospitalized in unknown condition.
Police believe the gunman is a member of the Avenues gang, which is now the focus of the department's investigation, according to the official who was not authorized to speak publicly.
"Words cannot match the depth of sorrow that Angelenos are feeling today," Mayor Eric Garcetti said in a statement, calling it a senseless murder.
The LA Police Protective League released a statement calling for the police chief to utilize every department resource to find the gunman.
"We mourn the loss of our brother and we will always remember his service and sacrifice to the Los Angeles Police Department and the residents of our city," it said.
Chief Michel Moore asked for the public's help finding the attacker.
The Associated Press contributed to this report.


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A two-dimensional elliptical droplet (density ratio 1/1000) is released in a large domain. Under the effect of surface-tension the shape of the droplet oscillates around its (circular) equilibrium shape. The fluids inside and outside the droplet are inviscid so ideally no damping of the oscillations should occur. As illustrated on Figure 119 some damping occurs in the simulation due to numerical dissipation.
This simulation is also a stringent test case of the accuracy of the surface tension representation as no explicit viscosity can damp eventual parasitic currents.
The initial shape of the droplet is given by:
r(θ) = r0 + αcos(nθ) |
The oscillation frequency is then [43]:
ωn2= |
A comparison between the theoretical and numerical values of the frequency is given in Figure 120.
The amount of numerical damping can be estimated by computing an equivalent viscosity. With viscosity, kinetic energy is expected to decrease as:
exp(−Cν/D2t) |
where C is a constant, ν the viscosity and D the droplet diameter. Using curve fitting the damping coefficient b=Cν/D2 can be estimated (black curves on Figure 119). An equivalent Laplace number can then be computed as:
La= |
| = |
The equivalent Laplace number depends on spatial resolution as illustrated in Figure 121.


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Referral Line: 484-628-HELP
Reading Hospital: 484-628-8000
Toll Free: 1-866-988-4377
Reading Health System Menu
Request an Appointment
Health Library
Lactic acid dehydrogenase (CSF), LDH CSF
This test measures the amount of the enzyme lactate dehydrogenase (LDH) in your cerebrospinal fluid (CSF).
CSF is the clear liquid that surrounds the brain and spinal cord. Enzymes are catalysts, or chemicals, in your tissues and organs that cause the reactions necessary to provide energy to your cells.
This test can help diagnose health problems that affect your central nervous system, such as:
Creutzfeldt-Jakob disease. This is a rare, degenerative brain disorder that is fatal. Symptoms include impaired memory and judgment, impaired vision, muscle jerks, and personality changes. It mainly affects people in their 50s, 60s, and 70s.
Bacterial meningitis. This is an infection of the protective layers of tissue, or meninges, that surround the brain and spinal cord. Symptoms include headache, fever, neck stiffness, nausea, vomiting, and confusion.
Neurosyphilis. This is an infection of the brain or spinal cord. Neurosyphilis is different from syphilis, a sexually transmitted infection, because it affects the nervous system. But people with untreated syphilis are prone to neurosyphilis. Neurosyphilis may have no symptoms. Or it may cause headaches, memory loss, and visual problems.
Tumors of the central nervous system
You may need this test if your healthcare provider suspects that you have a disease or condition that affects your central nervous system.
You may also have this test to see if cancer has spread to your brain and spinal cord.
Your healthcare provider may also order a glucose test to measure the amount of sugar in your CSF.
Test results may vary depending on your age, gender, health history, and other things. Your test results may be different depending on the lab used. They may not mean you have a problem. Ask your healthcare provider what your test results mean for you.
Results are given in units per liter (units/L). Normal findings for lactate dehydrogenase in CSF are:
Less than 70 units/L for newborns
Less than 40 units/L for adults
If your LDH level is higher, it may mean you have an infection or inflammation in your central nervous system.
Higher LDH levels may also mean you have a disease that affects your brain or spinal cord. These include bacterial meningitis, neurosyphilis, or tumors that have spread to the brain or spinal cord.
This test is done by obtaining a sample of your CSF. Your healthcare provider will take the sample through a spinal tap (lumbar puncture), using a thin needle. The needle will be put into your lower back, and fluid will be removed.
A lumbar puncture carries these possible risks:
Tumors (years later)
Back pain
Other factors aren't likely to affect your results.
Empty your bladder and bowels before testing. Be sure your healthcare provider knows about all medicines, herbs, vitamins, and supplements you are taking. This includes medicines that don't need a prescription and any illegal drugs you may use.


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If I have a quibble with this blog it's the pseudonym "Sick Guy," never the way this brilliant, strong, beautiful man lived. Cancer silenced Kevin's voice on November 19. Those who have followed his travels through illness have a sense of how eloquent and artful his writing was, of his gifted mind, incredible wit, spirit, and his courageous self-exploration. He could also cook and curse with great flair, give the most surprising and intuitive gifts, tell you anything about politics or Cal bear football. And he loved me, to my great fortune. His family and closet friends (and new Springer Spaniel puppy, Berkeley) were his life. Missing Kevin will now be a large part of ours.
To the people who have come to this site again and again, the strangers who are now friends, the people who have left comments of such heartfelt encouragement, the silent but loyal readers, your support has meant so much to Kevin and to me.
Thank you for sharing this experience with us. It's a road no one should have to take. I wish I could write a different ending.
*A memorial service in celebration of Kevin's life will be held at the Unitarian Universalist Society of Burlington, Vermont, on December 5 at 4 p.m.
Burlington Free Press obituary: http://bit.ly/6DlMLn
Los Angeles Times obituary: http://bit.ly/7E3wAe
Burlington Free Press obituary: http://bit.ly/6DlMLn
Los Angeles Times obituary: http://bit.ly/7E3wAe


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The Rise of Women Business Owners
The National Foundation for Women Business Owners (NFWBO) identifies trends relating to the small business climate for women. New studies examining the role of female entrepreneurs by the NFWBO have yielded some surprising and eye-opening results.
A joint IBM, NFWBO study of the top fifty women business owners as well as 10 additional "up-and-coming" business owners reached several interesting conclusions. The women in the study covered a diverse array of industry categories including 27% in manufacturing, 25% in retail and 10% in real estate. 46% of the women inherited a business and over 50% started their own businesses, with 34% starting businesses themselves and another 17% starting businesses with others.
A Preference for Flexibility
One key part of the study centered on the fact that women business owners, in general, appear to prefer smaller operations. Among the 8 million women-owned businesses in the U.S., a full 75% are one person operations. Through ownership of these businesses women achieve a high level of flexibility in their work schedules. It is believed that this flexibility improves the odds of women keeping their home lives satisfying and rewarding.
Overall, millions of women are ignoring the notion that small businesses do not equate with success. While NFWBO research indicates that fewer than 1% of small women owned businesses generate over a $1 million in sales, there is no doubt that women are showing their strength in numbers.
Tackling Loan Issues
One major obstacle women business owners have faced comes in the form of bank loan inequities. Recently, for the first-time women owned business are experiencing access to business loans on par with male owners; this may be due in part to the increasing number of women in high bank positions as well as banks now seeing the previously untapped potential of women-owned businesses. The NFWBO has also discovered that women tend to direct loans towards business growth.
Internationally Owned Businesses
On an international scale, the NFWBO studies have shown that women business owners often come from similar backgrounds and express the same concerns regarding business issues. Today, female business owners represent between one-quarter and one-third of the world's independent business owners and have become increasingly vocal as evidenced by female participation at an international conference in Paris sponsored by the Organization for Economic Cooperation and Development (OECD).
A Trend Towards Progress
To date, many obstacles have been overcome. Simply stated, the future looks very bright for women-owned businesses around the globe.
Copyright: Business Brokerage Press, Inc.
Read MoreThe Tremendous Importance of Simply Saying, "Hello!"
Far too many customers have grown to expect poor customer service. Whether its rude employees and customer support or impersonal robotic phone system responses, customers are often shocked when they receive pleasant customer service. In such a climate, it is clear that businesses that simply treat customers well are taking advantage of a huge opportunity.
If you've ever personally called a credit card or cable company looking for help, then you already know that it can be something of a depressing and even Kafkaesque experience, leaving you feeling drained. More than likely you don't feel too positive about any automated experience that bounces you around from one hold menu to the next. Summed up another way, hold music is never a fun or rewarding experience.
Communication is Always Changing
In the "old days" a telephone call was often a customer's first experience with a business. Now, the game has, of course, changed, with most customers first experience being via the business's website. While we can't predict with 100% accuracy how businesses with be communicating with their customers in the future, we do know one fact for certain. The human touch will likely be valued for a long time to come.
Your Website is a Valuable Tool
The initial point of communication with a client, whether it is via telephone or your website, is of critical importance. If a customer has trouble finding key information about your business, such as your location, hours of operation or an easy to understand menu of what goods or services are offered, then they will take their business elsewhere. Consumers don't generally wait for businesses to get their "act together." They simply move on.
Simply stated, you want your business's website to be very user-friendly, streamlined and intuitive as possible. Keep in mind that you understand your business and what it offers, which means you may not be the best judge in spotting flaws in your website presentation. For this reason, it is best to test your website designs with many different potential users who have little or no information about your business and what goods and services you provide.
In the end, every single client is valuable. For every client you lose represents both a potential loss of revenue and revenue being placed in the pocket of your competitor. Don't let customers slip away simply because there wasn't a friendly voice answering the phone or your website lacked clarity.
Copyright: Business Brokerage Press, Inc.
Read MoreThree Signs You May Be Experiencing Burnout
Burnout is a strange phenomenon in that often a business owner doesn't know that he or she is experiencing it until it is too late. Owners who feel beleaguered and over stressed frequently want to sell their business and move on. However, buyers are not so eager to accept burnout as a believable reason for why an owner wants to sell.
It is the responsibility of every business owner to be on guard against potential burnout. After all, it is better to "cash in" than to burnout. In this article, we will examine a few of the key warning signs that you may be on the verge of burning out.
Sign 1: There is No Joy in Owning Your Business
Once upon a time, you were likely excited about your business. But if those days are long gone, then it might be time to move on. Owning a business is hard work and eventually it can take a toll. If you find each day to be boring, then it is probably time to sell, move on and start a new chapter in your life.
Sign 2: You Feel Exhausted
Just as feeling no joy is a potential sign of burnout, the same holds true for feeling exhausted. If you feel exhausted all the time, then it is unlikely that you can run your business effectively over the long haul. In short, it may be time to consider selling.
Keep in mind that if your business is doing well, growing and expanding, then there will be more demands on your time, not less. If you feel exhausted a large percentage of the time and your business is expanding and seems poised to expand even more rapidly in the future, then cashing in may be your best bet.
Sign 3: You Feel Overwhelmed Almost on a Daily Basis
Business owners who frequently feel overwhelmed are likely teetering on the edge of burnout; this can be particularly true for business owners who are operating a "one-man show." Operating a small business, especially one where you are doing most of the work, can be both mentally and physically exhausting.
There is certainly something to be said for being proactive and tackling burn out before it tackles you. In this way, you'll be able to sell your business on your own terms. The last thing you want is to try and sell your business after you no longer have the energy to keep sales going in the right direction.
Working with an experienced business broker is one of the easiest and quickest ways to get your business ready to sell. Don't let burnout put the fate of your business in a vulnerable position.
Copyright: Business Brokerage Press, Inc.
Read More


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If you're looking for affordability and quality rolled into one toner cartridge, you've come on the right place.
Save much more when you buy our Xerox toners! Our cartridges have the same high yield capacity as its genuine counterparts. We offer not just cheaper prices, but also great quality when it comes to output. If you run into any issues with our products, we can replace the items in your order, or we can arrange for the items to be sent back for a refund.
Here at Cartridges Unlimited, you can buy toner cartridges compatible with the Xerox 6500 at discounted rates! That's right, we pass on savings to you while you print hassle-free. This brand-new cartridge contains a highly-pigmented toner powder that can print clear and crisp texts and images on any paper. No need to worry of premature ink shortage because we refilled this cartridge to its capacity.


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Traditions of craftsmanship and innovation come together for an eyewear collection engineered with travel in mind.
As a new generation of travellers emerges and our ways of moving in the world shift and evolve, so too must our travel tools. The brand's first-ever RIMOWA Eyewear collection offers a distinctive new way to enhance the experience of modern, purposeful travellers.
Much like RIMOWA's emblematic grooved aluminium luggage was inspired by the fuselage of early aircraft, this new eyewear collection takes its design cues from aviation accessories and pilot essentials. Featuring ultra-lightweight frames in modernised classic styles like the Pilot, Square and Pantos, the RIMOWA Eyewear collection is offered in a variety of vibrant colours each crafted to match a select favourite luggage piece for a coordinated look.
The collection debuts with two sunglasses ranges, Bridge and Rim, that draw from the brand's DNA translating its values into this first-ever eyewear line. Punctuated by signature iconic details like the groove, Monogram and rivets, the collection builds on the brand's history of innovation while preserving a longstanding tradition of quality, engineering and craftsmanship.


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O.B. Designs - Ripple Blanket Blue Stripe
O.B. Designs - Ripple Blanket Blue Stripe
Regular price
Regular price
Sale price
Unit price
This beautiful baby blanket has been hand crafted by artisans using a technique called crochet. It is a process of creating fabric by interlocking loops of yarn, thread, or strands of other materials using a crochet hook. The name is derived from the French term crochet, meaning 'small hook'. Mothers have been wrapping their newborn babies in cloths to make them warm & comfortable for thousands of years. Modern babies are no different. They still love to be wrapped up tightly in a blanket to mimic their mother's womb. By choosing to buy a crochet baby blanket, you are choosingtradition of the old world into the new.This is a classic that will withstand the test of time. It is that "special" blanket that goes in the memory box of your child's life. This crochet blanket is versatile. It can be used as a swaddle because it stretches, as a pram blanket, a cot blanket & a the all important security blanket. Designed in the Idyllic region of Byron Bay Australia. 90 X 90CM (36 x 36in) / 60% COTTON, 30% MILK FIBER, 10% CASHMEREHand Wash Recommended. Gift Box included


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Argan Oil (and the like) has done for leave-in hair serums what the Hummingbird Bakery did for cupcakes. I have spoken to plenty of women who class these serums as game-changers for taming unruly locks and I too, use them on wet hair before blow-drying and on the ends of my dry hair to seal the cuticle and give the impression of sleeker locks.
The problem that many women find with these products is that it's very easy to go overboard when applying them. Too close to the roots or a little too much on fine hair and you're never going to be happy with a head that looks like the overspill from your chip pan.
I can probably count on more than one hand the number of times I've had to dart back into the bathroom to re-wash my fringe after getting a little too trigger-happy with the serums and it's the kind of faux-pas that I, at least, haven't been able to break with practise alone.
The thing that struck me so intensely about the new Charles Worthington Miracle Repair Elixir Oil is how different it feels in texture to many of the others. It's a lot lighter, a lot runnier and doesn't seem to stay stuck to my palms for the rest of eternity. Having said that, it still delivers the same manageability to my hair that I've grown to expect from using these serums.
For a "high street" name, at £14.99, you're not paying a high-street price tag… but a quick look at the ingredients tells me that you're not getting high-street quality either…
Unlike most mass-market "elixir oil" incarnations, the natural oils appear in the top half of the ingredient list, let me transcribe the (partial) list for those of you who might be interested, I'll stop when things start getting tricky to spell 😉
Cyclopentasiloxane [stop now then shall I?], Dimethicanol, Cetyl Dimethicone, Argania Spinosa (Argan) Kernel Oil, Pentaclethra Macroloba (Pracaxi) Seed Oil, Camellia Sinensis (Camellia) Seed Oil, Triticum Vulgare (wheat) Germ Oil, Prunus Amygdalus Dulcis (Sweet Almond) Oil, Tocopherol, Phytantriol, Cocoglycerides, Capryllic/Capric Triglyceride, Aminopropyl Phenyl Trimethicone… (and the list goes on…)
4th ingredient down the list and bingo – which isn't bad considering that when reading the back of the the much-loved Moroccan Oil packet, you'll get to the 6th ingredient in the list before seeing the magic "argan" word.
I'm inclined to think that it's more to do with the blend of silicones they pack into these things that aid the smoothening of the locks far more than the blend of natural oils, but… still, it's nice to see that CW isn't skimping on the oils part of the "magic formula" isn't it?
This is definitely worth a try if you're finer-haired and have had trouble with the heavier formulas of other argan oil-inspired products in the past.
Charles Worthington Miracle Repair Elixir Oil is priced at £14.99 for 50ml and is part of the new Charles Worthington Salon at Home range, which is available to buy now in Boots instore and online – I have a couple of other bits from the range that promise all sorts of wonderous things for your barnet – should they impress (or catastrophically disgust me), you can be sure that I'll tell you about it.
* press sample


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Power to Change Ministries takes all possible measures to protect the personal information of its users. We store any personal data given to us as securely as possible, and NEVER sell, rent, give or otherwise provide that personal data (including e-mail address) to anyone outside of our organization.
Who we are
Power to Change Ministries (P2C) is part of Campus Crusade for Christ International (CCCI), a worldwide evangelistic and discipleship ministry with representative local ministries in over 160 countries. Our organization is comprised of P2C as well as a number of local ministries that operate within P2C. Throughout this document "we" and "ours" refers to the organization as a whole as well as to individual field ministries, and "you" and "yours" refers to any and all ministry partners and public site users.
Our commitment to you
We are committed to protecting and appropriately handling private and personal information and take your privacy very seriously. This Privacy Policy describes how we collect, process, use, disclose and share your personal information or personal data.
How we protect your information
The security of your information is important to us. P2C has implemented safeguards to protect the information we collect. However, no website or Internet transmission is completely secure. We urge you to take steps to keep your personal information safe, such as choosing a strong password and keeping it private, as well as logging out of your user account, and closing your web browser when finished using P2C websites on a shared or unsecured device.
Some of our systems involve the storage and processing of your personally identifiable information outside of Canada using the services of third party service providers. Although we have undertaken measures, including obtaining contractual commitments, to safeguard your personally identifiable information whenever it is shared with other parties, if your personally identifiable information is stored or processed outside of Canada, it will also be subject to the laws of those other jurisdictions.
However, this does NOT apply to personal data – including sender and/or recipient e-mail addresses — contained in ordinary e-mail notes while these are en route between your computer and our servers, during which time these notes must be considered public data.
We will never send you e-mail notes containing any sensitive or private information such as credit card details, and strongly urge you to never place such information in emails.
The information we collect from or about you
Personal Information
For the purposes of this Privacy Policy, personal information is any information about an identifiable individual, other than an individual's business contact information when collected, used or disclosed for the purposes of enabling the individual to be contacted in relation to their business responsibilities.
Types of personal information we collect from you
Account Information: When you create an account on any of our sites, request information, purchase materials or donate to P2C or any of our ministries we collect your contact information such as: name, address, phone number, billing address (if different), payment information including credit card information (name, credit card number and credit card expiration date) and optionally an email address.
Communications. When you communicate with us (via email, phone, contact forms or otherwise), we may maintain a record of your communication.
Automatically Collected Information About Your Activity. We may use cookies, or other tracking technologies to automatically collect information about your activities only on any of our websites. We may also collect and store information that your computer or mobile device provides to us in connection with your use of our websites such as your browser type, type of computer or mobile device, browser language, IP address, mobile carrier, unique device identifier, location, and requested and referring URLs.
How we use your information
If you visit any one of our websites we may place a cookie on your computer. (See section on cookies for an explanation). In addition, we may collect IP addresses for purposes of system administration, to calculate aggregate statistical information, to identify general usage records, and to measure traffic patterns for all visitors to our websites. These do not identify individual users but may be used for general statistical and auditing purposes.
We will not sell your personal information (such as your name and contact information) to third parties to use for their own marketing purposes. P2C may use the information we collect internally within our organization or within our ministries for the following purposes:
- To provide better service to you.
- To personalize your experience on any of our websites.
- To personally contact you if necessary.
- To ensure the effectiveness of our various electronic ministries.
- To promote and encourage support of our ministry activities. We may use your personal information (including email address) to update you about our ministries, notify you about upcoming events and activities you may be interested or to solicit donations from you to further our ministry activities in by purchasing advertising space on third-party websites such as social media sites.
- To provide you with electronic information or printed materials upon request. If you request electronic information or printed material via one of our web sites, or if you send us a comment or question via e-mail, we may keep your contact information (including name, address and email address) in a database. This will allow us to send you a reply, fulfill your order or to provide further information pursuant to your request.
- Marketing and Promotions. For marketing and promotional purposes, we may send you information, newsletters, or promotions, or otherwise contact you about products or information we think may interest you, including information about third party products and services.
- Analytics. To gather metrics to better understand how users interact with both our websites and third-party websites .
- Comply with Law. To comply with legal obligations, as part of our general business operations, and for other business administration purposes.
- Prevent Misuse. Where we believe necessary, we may investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person, or violations of our Terms of Service or this Privacy Policy.
In the event that you reside outside of the country of Canada, we may make this information available to one of our ministries or representatives in your locale so that they may initiate contact with you.
How we share your information
We share information as set forth below, and where individuals have otherwise consented:
Service Providers. We may share your information with third party service providers who use this information to perform services for us, such as payment processors, hosting providers, auditors, advisors, consultants as well as those who assist us in providing information about our ministry activities.
Affiliates. The information collected about you may be accessed by or shared with ministries or representatives of P2C, whose use and disclosure of your personal information is subject to this Privacy Policy.
Legally Required. We may disclose your information if we are required to do so by law.
Protection of Rights. We may disclose information where we believe it necessary to respond to claims asserted against us or, comply with legal process (e.g., subpoenas or warrants), enforce or administer our agreements and terms, for fraud prevention, risk assessment, investigation, and protect the rights, property or safety of P2C, its users, or others.
Cookies, pixels and tracking
We may use cookies, clear GIFs/pixel tags, JavaScript, local storage, log files, and other mechanisms to automatically collect and record information about your usage and browsing activities on our websites. We may combine this information with other information we collect about users. Below, we provide a brief summary of these activities.
- Cookies. These are small files with a unique identifier that are transferred to your browser through our websites. They allow us to remember users who are logged in, to understand how users navigate through P2C websites, and to display personalized content and targeted information (including on third party sites and applications).
- Pixels, web beacons, clear GIFs. These are tiny graphics with a unique identifier, similar in function to cookies, which we use to track the online movements of users across our websites. We also use these in our emails to let us know when they have been opened or forwarded, so we can gauge the effectiveness of our communications.
- Analytics Tools. We may use internal and third-party analytics tools, including Google Analytics.
Advertising on third-party websites
We may use third parties, such social media websites, to allow us to provide you with information about our ministries and ministry activities. These third-party websites may use third-party cookies, web beacons, or similar technologies to collect information. They may also collect your device identifier, IP address, or identifier for advertising (IDFA). The information that these third parties collect may be used to assist us in providing you with more relevant information that we serve on our sites or elsewhere on the web, and as described above. Third-party cookies are covered by the third parties' privacy policy.
For more information on third-party advertising-related cookies and how to opt-out of them, please visit one of the following third-party websites:
- The Self-Regulatory Program for Online Behavioral Advertising (available in English only)
- Network Advertising Initiative Consumer Opt-Out (available in English only)
Giving your consent to collect and use your information
You give us permission to collect and utilize as here described any of this personally identifiable information by making use of any of our online resources, including but not limited to:
- Browsing any of our web sites;
- Requesting information or materials via a web site;
- Sending us an e-mail;
- Completing a donation through any of our web sites;
- Registering for a conference through any of our web sites;
- Purchasing materials through any of our web sites.
Changes to our privacy policy
If we change our privacy policies and procedures, we will post those changes on this page. If we make any changes to this Privacy Policy that materially change how we treat your personal information, we will endeavor to provide you with reasonable notice of such changes, such as via prominent notice on our websites or to your email address of record, and where required by law, we will obtain your consent or give you the opportunity to opt out of such changes.
Accessing, updating or deleting your personal information
If you believe that the personal information that we hold about you is incorrect, or if you wish us to remove any information held about you, you may contact our Privacy Officer to ask us to update or delete that personal information. If you do not want us to use the personal information gathered about you through various means to contact you, you may request that we restrict or entirely eliminate sending you any mail or e-mail, other than what is required for legal reasons or operational necessity. To update or delete your information or request more details about this privacy policy, please contact the Privacy Officer by:
- Telephone: +1.604.514.2022
- Address: 30439 Great Northern Ave, Abbotsford, BC V2T 0J6 Canada
- E-mail: firstname.lastname@example.com
For security reasons we will require verification of identity before taking any action, and you must be aware that certain information held for legal reasons or operational necessity may not be deleted.
Protecting the privacy of children (under 13)
Although our web sites are primarily targeted at adult users, we may also choose to provide online resources for younger persons. Safeguarding the security and privacy of children is of paramount importance. Therefore, we will obtain verifiable parental consent prior to the collection of any personally identifiable information about children and will not knowingly give children the ability to post publicly or otherwise distribute personally identifiable contact information without prior verifiable parental consent.
The limitations of our privacy policy
Any personal data voluntarily disclosed by you on bulletin boards, in chat rooms, in e-mail notes or in any other public forum provided by our organization, could potentially be accessed and "harvested" by third parties and is therefore not subject to our privacy policy. In addition, external web sites linked to by any of our web sites may not adhere to our Privacy Policy, and you should refer to their Privacy Policy to understand the rules under which they operate.


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Rapper ScHoolboy Q had a great time at his first South By Southwest a few years ago, but found himself getting angry this year as he played a series of shows at the annual music conference and festival.
Everywhere he turned, his fans were standing outside venues festooned with corporate branding, unable to enter because they didn't have a formal invite.
"It's stupid. They changed it all up. It's corporate," he said as he prepared for a show. "I don't ever want to come back unless they change it to where the fans are in. I'm tired of performing and seeing my fans outside the gate. ... That's not fair. It's not about the fans no more, it's all about money, who can give you the best look."
As South By Southwest shuttered its 28th year, participants debated the growing corporate influence on the conference. Critics say SXSW has evolved past its core mission: to help new bands get discovered. Instead, they say, the media focus has shifted to already-established stars such as Jay Z, Kanye West, Lady Gaga, Coldplay, CeeLo Green, Rick Ross, Keith Urban and many more whose heavily promoted appearances are underwritten by international brands.
It's poor vs. the 1 per cent in miniature, and this change in vibe is relatively new. Even those who've found the spotlight before say it's getting harder to break through.
"This South By feels different for us," said Adam Thompson, singer-guitarist for Scottish band We Were Promised Jetpacks, which made its fourth appearance at the festival. "It does feel like the first two were amazing to help us play shows and get people to notice us. Even stupid stuff like our name was funny, so people would come see us.
"We just came off the back of a really nice tour with some nice venues, and now we're sort of thrown off the deep end. Sometimes you're thinking, 'I'd like to play in a nice club with a soundcheck instead of not being able to hear ... on stage."'
An hour later, the band had technical and sound troubles after hastily assembling its gear, but left the venue with a few more fans by powering through their fourth of five sets in three days.
We Were Promised Jetpacks' experience was far different from the major pop stars, who starred at some of Austin's nicest venues with state-of-the-art sound and lighting systems.
James Minor, general manager of the music portion of the festival, says he still thinks the focus is aimed at discovery, and that organisers are sensitive to groups most music fans have yet to hear about.
"I feel incredibly responsible for all these acts that we invite because it costs a lot of money to get here," Minor said. "If somebody's going to travel to Austin, you want to make sure that they're playing in front of people, that they're going to get something out of South By Southwest. We invite acts we feel have already gained some kind of momentum that could kind of use the festival as a platform to help them up to the next level."
The initial hurdle is the festival's sheer popularity. It has grown exponentially since it first started in 1987 with 177 acts appearing on 15 stages. This year more than 2,300 acts performed on 111 stages.
Where should a journalist put the emphasis: On bands that generate thousands of clicks or a little bit of buzz?
"That's an easy choice to make," Minor said. "It's a journalist's responsibility to do what needs to be done, to go see those young bands and help them out."
Lady Gaga, who played a Doritos-sponsored event that required entrants to perform certain acts and post them to social media, bristled at the idea that corporate sponsorship is a bad thing, dismissing the complaints with an expletive. She said critics were ignorant of the current state of the music business.
"The truth is without sponsorship, without these companies coming together to help us, we won't have any more artists in Austin, we won't have any festivals because record labels don't have any (expletive) money," she said.
The new, corporate-fuelled reality at SXSW has many rethinking the approach. Jim Merlis, a publicist who represents several bands in attendance, counsels managers to skip the conference unless they have something worth paying attention to.
"My advice is what you can't do is start a spark at South By Southwest," he said. "You better have the spark already there, and if you pour a little gasoline on it the spark will make a fire. If you have nothing going on, if you're between albums, if you're about to release an album and you're a brand new band and you've never really been written up anywhere, then don't go."
Even with something to pitch it can be risky: "You could be playing against some really big stars and you're just not going to be heard. It's always a risk, there's very few absolute slam dunks."
Aloe Blacc, who sings the hit "The Man," had one of those slam-dunk experiences this year, but he's been on the other side of the equation, too.
"South By Southwest is boom or bust, and you can be on either side of the moon, seriously," Blacc said. "I've seen it and I don't envy the bands who spend their last dollar to get here and play for no one.
"At the same time, everybody's got to take a chance to get exposure and if you come to South By, come with a plan about how you're going to be noticed. Otherwise you can be noticed at home."


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May 1st, 2009
LUPEC Boston (invented for Chartreuse party)
5 sour cherries
1 oz yellow Chartreuse
1/4 oz fresh grapefruit juice
1 dash Angostura bitters
Sparkling wine
Muddle the sour cherries in a mixing glass. Add the Chartreuse, grapefruit juice and bitters. Shake with ice and strain into a champagne flute. Top with sparkling wine.
Tags: chartreuse, grapefruit, LUPEC Boston, sour cherry
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