text:
The Problem With National No Bra Day
Monday marked yet another effort to raise awareness as a part of October's National Breast Cancer Awareness Month: "National No Bra Day." The event encouraged women to ditch their bras throughout the day and "set the tatas free" in order to raise awareness for what has become the second leading cause of death among U.S. women. My first thought was that it's a cute idea, and as someone who lost a father to mesothelioma (a rare form of cancer), I am always in support of fundraising efforts that promote cancer awareness. But after reading up on the topic, however, I have a few issues with this fundraising campaign in particular — though the reasons may not be what you would expect.
National No Bra Day isn't without some controversy. Some people took to Twitter to point out that walking around without a bra does little in the way of actually contributing to cancer research, while others went so far as to argue that this day meant for awareness overly sexualizes women's bodies. I'd like to point out that National No Bra Day doesn't necessarily mean that you have to post a picture of your unadorned boobs in a see-through shirt — it just requires a little less padded support for a day. The bigger problem I have with this campaign is that it seems insensitive to breast cancer patients and survivors — which kind of defeats the point.
I find it strange that, in brainstorming this campaign, no one thought about what drawing attention to women's breasts might feel like to women who have lost their breasts to cancer. The writer behind the site "Cancer In My Thirties" puts it best in one particularly powerful blog post she wrote expressing her concerns with National No Bra Day:
The thought of seeing bra-less women flaunting two body parts that I have lost to cancer — more than I already see this on a regular day — does not feel all that supportive. In fact, it feels quite the opposite.
What's more, this campaign in particular seems to reduce the disease to a mere consideration of women's breasts rather than the painful, laborious process of enduring chemotherapy and all the other trials and tribulations that accompany it. As "Cancer In My Thirties" continues:
We live in a society that makes a huge hoopla about breast cancer while at the very same time trivializing the seriousness of the disease.
The fact is, an estimated 40,000 women will die of breast cancer this year. National No Bra Day certainly succeeds at starting conversation about an important cause, but I can't help but feel as though it goes about doing so in the wrong way, especially when there are so many other inspiring campaigns out there that feature brave breast cancer survivors bearing their post-mastectomy scars to promote awareness. Projects like SCAR, Under the Red Dress, and the Grace Project all manage to convey the severity of breast cancer, while also sending a powerful message about the realities of the disease.
But while National No Bra Day may have its flaws, it's still spreading awareness — and that is something that deserves recognition. Since early detection is such a key component of preventing and treating breast cancer, hopefully the campaign will remind women to get their yearly mammogram, or conduct more frequent self-exams, if nothing else.
Because that's really what Breast Cancer Awareness Month — and the wave of pink that comes with it — is about. It's about education. It's about generating conversation. It's about rallying support. There are numerous ways to donate time and money, and if you aren't totally comfortable taking your bra off, there are many other reliable organizations such as standup2cancer.org that are more intimately connected with research centers. Not to mention these organizations also offer a way for men to rally behind breast cancer awareness, since this type of cancer affects them as well.
I think it's a good thing that women are working together to promote breast cancer awareness, but I think it's important that we do so in a way that leaves no one out. Because while not everybody may identify with National No Bra Day, everybody can work to create a world that will one day be cancer free.
Images: #SiphosFavStation /Twitter (2); Balls to Cancer/Twitter


text:
The East River Community (ERC) is a federation of groups located on the Sansara continent in Second Life. It was founded on April 28th 2008, though the community traces its roots back to 2006 as a sailing friendly community with the MBYC Community Land Trust group, of which it is the direct descendent. Sailing activities are still part of the community charter.
As a federation, the community is constituted by a number of groups. Currently, the groups that are part of the federation are (in order of affiliation):
- East River Community
- Great Tree of Mowry
- dj12 first land
- East River Vineyards
- East River Borough
- Dark Pleasures Estates
- East River Landscapes
- Wilderness Ranch
Our intent is to create an open, collaborative, convivial space where we can grow our personal projects and form new relationships, friendships, partnerships, and organizations. The community encourages residents and non residents to collaborate and be involved. The community offers its resources to anyone willing to start business and cultural initiatives.
Our intent is to also enhance the Second Life Mainland experience by demonstrating that an attractive residential and commercial environment can be created purely through resident action. Additionally, the beach and recreational areas have been equipped with a variety of free-access zero-cost boating and water activities, that provide a rich new user destination.
The ERC offers to its residents and visitors art galleries, a cafe, public venues, nice scenery, a vast area to explore, horse riding on our horse tracks network, shopping and residential areas, music concerts, nautical and community events, a safe harbor for Mainland cruises and an airport.
Our aims are:
- sponsoring arts and cultural activities
- establishing partnerships with relevant Second Life cultural organizations
- providing a balanced, coherent and aesthetically pleasing environment
- improving the quality of living and aesthetics of our area on Mainland
- promoting sailing activities
We believe in freedom, respect and solidarity.
We are a community!
If you are a resident of Second Life click here to visit the East River Community in Second Life.

subset: commoncrawl


text:
|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|"Dennis E. Hamilton" <dennis.hamil...@acm.org>
|RE: [VOTE] Release Apache OpenOffice 3.4 (incubating) RC1
|Wed, 02 May 2012 16:09:10 GMT
@Norbert, It seems more direct to ask Rob what he was thinking of when he made that post last June. I can imagine two kinds of remediation that might have happened or be needed with respect to Symphony: 1. Perhaps IBM detected IP issues in the OO.o code base they received under license from Sun and they cleaned out those IP problems in their customization. That means there is potentially an IP problem that remains in the AOO and the LO code bases. It is not clear that it has anything to do with IP that IBM possesses, although it could have. They would have had no reason to work around their own IP for their own use in Symphony though. 2. Perhaps IBM relied on IP that they had owned or licensed in the customization they did. Before committing Symphony improvements to AOO, they need to "remediate" those to have it be clean. Note that there is no issue with regard to IBM IP in a contribution from IBM, since contribution to ODF under the OASIS IP regime for ODF and to Apache under the rules of iCLAs and SGAs grants a license to those patents. Of course, IBM could remove those dependencies on essential claims anyhow and avoid licensing. I don't see how any of this impacts the just-concluded vote to approve release of Apache OpenOffice (incubating) 3.4. If you are worrying about being submarined, I think a bigger concern is that there may be unexploded landmines in the existing LO and original OO.o codebases. It still has nothing to do with what IP clearance means here. However, if IBM (and Rob) know of an IP issue in the code base that won't be detected in how IP clearance was accomplished, there is an obligation to report it. The fact that there has been no such revelation has to be sufficient at this point. If you want to see proof of negatives, I suggest that you conduct that plowing in your own fields. Or try groklaw, perhaps, where there is a willing chorus of believers and supportable facts are not required. - Dennis -----Original Message----- From: Norbert Thiebaud [mailto:email@example.com] Sent: Tuesday, May 01, 2012 23:21 To: firstname.lastname@example.com; email@example.com Subject: Re: [VOTE] Release Apache OpenOffice 3.4 (incubating) RC1 On Wed, May 2, 2012 at 12:57 AM, Dennis E. Hamilton <email@example.com> wrote: > I have no reason to believe that the remediation Rob speaks of has anything to do with any part of OpenOffice.org. You mean except for Rob's own statement ? "But one thing not to lose track of is that Symphony has done IP remediation at many levels. Where we've worked around things, we'll be able to contribute our **fixes** **back**." (emphasis mine) How can you logically conclude that Rob is not talking about remediation in the OOo code-base ? So unless such remediation was indeed done also in the to-be-released AOO code, then the PPMC would be knowingly releasing patent traps. Either that or Rob's above statement was pure FUD. Norbert --------------------------------------------------------------------- To unsubscribe, e-mail: firstname.lastname@example.com For additional commands, e-mail: firstname.lastname@example.com --------------------------------------------------------------------- To unsubscribe, e-mail: firstname.lastname@example.com For additional commands, e-mail: firstname.lastname@example.com
|View raw message


text:
Flexible Battery Market by Type, Printed, Curved), Chargeability, Application - Global Forecast to 2022
Jan 12, 2017, 13:22 ET
NEW YORK, Jan. 12, 2017 /PRNewswire/ -- "Global flexible battery market to exhibit significant growth potential between 2016 and 2022"
The flexible battery market is expected to grow at a CAGR of 46.6% between 2016 and 2022 to reach USD 958.4 million by 2022. The key driving factors for the growth of the flexible battery market are the growing need for wearable electronics, demand for thin and flexible batteries in electronic devices such as watches, mobiles, tablet PCs, and medical equipment, and increasing miniaturization in consumer electronic devices, However, the need for high initial investment and lack of standardization in the development of flexible batteries are the major restraining factors for the growth of this market.
"Rechargeable battery to dominate the flexible battery market during the forecast period"
Rechargeable battery leads the this market and is expected to witness the highest growth rate during the forecast period. Applications such as consumer electronics, wearable devices, medical devices, and wireless communication require a rechargeable battery with a long life span. Flexible batteries such as thin-film battery and curved battery are mostly rechargeable batteries which can be used in mobile devices and wearable devices. The increasing use of rechargeable batteries in consumer electronics and wearable devices is expected to drive the flexible battery market during the forecast period.
"Thin-film battery segment to hold the largest share during the forecast period"
Thin-film batteries are used widely in applications such as smart packaging, smart cards, wearable devices, and medical devices. Miniaturization in the products used in these applications has increased the demand for thin-film batteries, thereby driving the growth of thin-film flexible battery market significantly. Thin-film batteries have less self-discharge rates and cost less than lithium polymer batteries. Thus, they have a huge demand in electronics devices, thereby driving the growth of the market.
"APAC to be the fastest-growing market for flexible battery during the forecast period"
The market for flexible battery in the APAC region is expected to grow at the highest CAGR between 2016 and 2022. Major consumer electronics manufacturers in this region are modernizing their product designs to function using thin power sources for compatibility with the flexible designs of their products. As a result, the technological advancements in smart packaging and consumer electronics as well as the growing popularity of wearable devices in this region are fueling the growth of the this market in the APAC region.
The break-up of the profiles of primary participants for the report has been given below:
- By Company Type: Tier 1 – 25%, Tier 2 – 40%, and Tier 3 – 35%
- By Designation: C–Level Executives – 72% and Directors– 28%
- By Region: North America - 32%, Europe – 30%, APAC – 24%, and RoW – 14%
Major players involved in the development of flexible battery include Samsung SDI Co., Ltd. (South Korea), LG Chem Ltd. (South Korea), STMicroelectronics N.V. (Netherland), Enfucell Oy Ltd. (Finland), Blue Spark Technologies Ltd. (U.S.), Rocket Electric Co. ltd (South Korea), Fullriver Battery New Technology Co., Ltd. (China), Paper Battery Co. Inc. (U.S.), BrightVolt, Inc. (U.S.), Panasonic Corporation (Japan), Ultralife Corporation (U.S.), and NEC Energy Solutions (U.S.).
Research Coverage:
The research report on the global flexible battery market covers the market on the basis of type, chargeability, application, and geography. The market has been segmented on the basis of type into thin-film battery, printed battery, curved battery, and others. On the basis of chargeability, the flexible battery market has been classified into rechargeable and single use. Further, the flexible battery market has been segmented on the basis of application into smart packaging, smart cards, consumer electronics, medical devices, wearable devices, wireless communication, and others. The report covers four major geographical regions, namely, North America, Europe, Asia-Pacific (APAC), and Rest of the World (RoW).
Key Benefits of Buying the Report:
Illustrative segmentation, analysis, and forecast for the market based on type, chargeability, application, and geography have been conducted to give an overall view of the flexible battery market.
The Porter's five forces framework has been utilized along with the value chain analysis to provide an in-depth insight into the flexible battery market.
The major drivers, restraints, opportunities, and challenges for the flexible battery market have been detailed in this report.
The report includes a detailed competitive landscape along with key players, in-depth analysis, and revenue of key players.
Read the full report: http://www.reportlinker.com/p04606000-summary/view-report.html
About Reportlinker
ReportLinker is an award-winning market research solution. Reportlinker finds and organizes the latest industry data so you get all the market research you need - instantly, in one place.
Contact Clare: [email protected]
Intl: +1 339-368-6001
SOURCE Reportlinker


text:
YouTube Exec Says Using All Caps Titles Causes Videos To Perform Worse
In a Q&A with YouTube product manager and Creator Insider host Barbara Macdonald, group product manager for discovery Todd Beaupré shared that, in talking to YouTube viewers over the years, many have likened all caps in titles to being "yelled at." And, given that they deem them off-putting, Beaupré says that YouTube's algorithms are less likely to suggest these videos to viewers. "We actually listen to viewers and try not to recommend off-putting videos to people who aren't into things like all caps," he says. – Geoff Weiss, Tubefilter https://ift.tt/2NwN7ep


text:
For nearly two decades Mid-Land has been building metal structures and providing our community with millwright and building services. However, in 2016 we did some building for ourselves and erected a new facility with a full service machine shop - equipped with state of the art technology and all of the machinery we use to custom fabricate parts and components for installations and repairs.
We are proud of the clean workspace that we've created and feel it is worth sharing. That being said, we are excited to take you on a short tour of the Mid-Land Enterprise machine shop and give you a glimpse of all the pieces that make our work possible. Let's start with one of our most frequently used pieces of equipment - the iron worker.
An iron-worker or "punch" is an integral part of most commercial manufacturing facilities. A hydraulic iron-worker can be used for several metal-fabricating functions including shearing, notching, and, most commonly, punching holes.
Like the iron worker, the press brake uses hydraulics. However, instead of punching holes, the press break machine bends sheet metal using different kinds of punches and dies to form a variety of different workpieces.
The shear is designed to cut metal without the use of burning or melting. Shearing can be used in many applications including blanking, piercing, and trimming. Because of its design, with the shear there is no chipping, unlike our next item on the tour: the lathe.
A metalworking lathe is used for shaping metal round by holding and rotating the workpiece while a cutting tool or bit is pushed into the workpiece - causing a chip removing cutting action. The lathe is used to build many different pieces that work in conjunction with the rest of our equipment around the shop.
Forklifts are used to transport our materials around the shop. As you can imagine, we use a lot of metal every single day - making the forklift one of the most important pieces of equipment in the Mid-Land machine shop.
When designing our new facility, we knew in order to run all of our equipment, it was going to take a lot of energy. We also knew that to supply our shop with this power we wanted to use a renewable source of energy. That's why we installed 104 solar panels on top of the shop - supplying our facility with approximately 42,000 kWh every year.
Even with our well organized building, highly efficient energy source, and all of our equipment, at Mid-Land, we know that the most important aspect of our machine shop is our workforce. The people that come day-in and day-out and safely run this place. It is their commitment to cleanliness and safety that keeps our shop running, allowing us to continually serve our community and the surrounding area.
We emphasize the importance of keeping your workplace organized for many reasons. When the shop is in order employees are safer, they work more efficiently, and productivity is increased. At Mid-Land Enterprises, we practice what we preach. We hope that this tour has been the proof that the best workspace is a well-organized workspace.
Need help getting your shop clean and organized? Download our FREE Guide to 5S Organization.


text:
Letter to general insurers and life companies: Internal capital adequacy assessment process report feedback
1 January 2013 saw the commencement of a suite of new prudential standards which significantly changed how capital adequacy is determined for general insurers, Level 2 insurance groups, life insurers and friendly societies ('institutions').
An important component of the new prudential standards is the requirement for institutions to have an Internal Capital Adequacy Assessment Process (ICAAP). This includes a requirement for institutions to prepare an ICAAP Summary Statement (Summary Statement) as well as an annual ICAAP Report (Report).
In 2013 APRA undertook a comprehensive review of Summary Statements. Feedback from this review was provided to institutions in a letter dated 9 December 2013.
During the first six months of 2014, APRA undertook a detailed review of ICAAP Reports submitted to APRA. The review included peer comparisons to identify examples of better practice and potential areas for improvement.
The attachment to this letter sets out the findings from this peer comparison which APRA consider warrant consideration by boards. Findings are classified under four headings – General Observations, Looking Back, Capital Projections and Stress Testing.
The board of each institution is responsible for ensuring that the ICAAP is appropriate for that institution. The attached findings are intended to assist institutions in improving and refining their ICAAPs and Reports and to give guidance on how APRA supervisors approach the assessment process.
Institutions should also refer to the previous feedback on Summary Statements1 for additional guidance.
APRA expects ICAAPs, Summary Statements and Reports to continue to evolve and improve over time.
Yours sincerely
Keith Chapman, Executive General Manager
Diversified Institutions Division
Brandon Khoo, Executive General Manager
Specialised Institutions Division
General Observations
Overall, the majority of ICAAP Reports reviewed were of a reasonable standard and represented an adequate initial attempt at compiling such a document. However there were some areas where institutions fell short of APRA's expectations with regard to the content and quality of Reports. These areas included the comparison of planned versus actual ICAAP outcomes, description of changes in risk profile, commentary on factors driving future capital needs and the utilisation of the outcomes of stress testing in decision making processes.
In addition, for some Reports reviewed it appeared that the document had been approached as a compliance exercise to meet prudential requirements rather than a document for the benefit of the institution and the board. In a small number of cases this was clearly evident from the structure of the Report, with individual requirements transcribed verbatim from the prudential standard into the Report. APRA expects this 'compliance focus' to reduce in the future.
Linkage between ICAAP Summary Statement and ICAAP Report
APRA considers that a practical way to approach the Summary Statement and the Report is to have the Summary Statement explain the institution's capital management processes, with the Report describing the outcomes of those processes. In essence, the Summary Statement and the Report should complement each other.
For some institutions it was noted that significant amounts of information from the Summary Statement were restated in the Report. While it is expected that institutions may choose to have some overlap of information for 'context setting', there appears to be little value in restating information from the Summary Statement in the Report.
APRA acknowledges that the level of duplicated information will likely reduce over time as institutions become more familiar with the specific purpose and use of the Summary Statement and the Report. As was the case with Summary Statements, a number of institutions acknowledged in the Report that this was their initial attempt at compiling such a document and as such it will be refined and improved over time.
For consideration
- Has the board identified its needs for the Report and ways to streamline content where appropriate? Is there a plan in place as to when and how this will be done?
Statutory/benefit and general funds and Level 2 insurance groups
As was the case with Summary Statements, a number of Reports did not explicitly refer to statutory/benefit or shareholder/management funds (for life insurers and friendly societies respectively), or licensed entities for general insurers.
Reports for life insurers and friendly societies should address all statutory/benefit funds and the shareholder/management fund. For general insurers, Reports should cover the Level 2 group (where applicable) and individual licensed entities. The level of detail should reflect the size, nature and complexity of each fund and institution.
For consideration
- Has the board satisfied itself that the Report adequately discusses the capital position over the period and the capital forecasts at all relevant levels?
Review of ICAAP
Most Reports included detail on the level of independent review undertaken during the Report period, together with the outcomes from those reviews; or specifically stated that no independent review had taken place. Some institutions had undertaken independent reviews of certain components of their ICAAP. Almost all Reports acknowledged that the ICAAP must be independently reviewed in its entirety at least once over a three year period as required under LPS/GPS 110.
Better practice Reports incorporated a schedule of future review activity, detailing which components of the ICAAP would be subject to review in the future and the planned timing of each review. Such a plan makes it clear that the institution is cognisant of its obligations in this area and provides a degree of comfort that these obligations will be fulfilled.
For consideration
- Has the board clearly determined and articulated the nature and timing of future independent reviews of the ICAAP?
Looking Back
Current capital compared to minimum regulatory capital
All Reports reviewed included a comparison of the current capital position against minimum regulatory capital requirements, however the level and quality of information provided in this area varied.
For life insurers, it is inadequate if the Report excludes information on the shareholder fund, even where there was no significant activity undertaken by the shareholder fund in the period. Some general insurers similarly failed to include information on individual licenced institutions i.e. some Reports focused on the Level 2 group capital position only.
Better practice examples included a comprehensive table showing details of key indicators of the capital position including:
- capital base;
- Prescribed Capital Requirement (PCR);
- surplus above PCR;
- target surplus; and
- excess assets above target surplus at each level at the end of the period.
For consideration
- Has the Board satisfied itself that the Report adequately considers key indicators of the capital position and trends over the period at each relevant level for the insurer or group?
Breakdown of PCR and capital base
There was a large degree of variation in the quality of information provided in this area. In some cases there was no, or minimal, information on the individual components of the PCR.
Better practice Reports included a table showing the individual PCR risk charge components. This was coupled with explanations as to how each amount was determined and why particular business activities are capital intensive in nature.
For consideration
- Has the board satisfied itself that the analysis of the capital base in the Report is sufficiently granular to facilitate effective capital management?
Actual vs. planned outcomes of ICAAP
There was variation in the quality of information provided in the Reports reviewed. In some cases no comparison was provided between actual and planned outcomes whereas in other cases this comparison was done well. An explanation of why actual capital outcomes may have differed from planned outcomes is one of the critical areas of a Report and APRA would expect that information in this area would be of high quality.
Better practice would see the provision of detailed explanation on all factors, positive and negative, which have contributed to the difference between planned and actual capital outcomes during the period.
For consideration
- Is the board satisfied with the frequency of review of projected and actual capital outcomes?
- Is the board satisfied that the Report adequately addresses any divergence between projected and actual capital outcomes; and that (as necessary) adjustments have been made to the capital plan?
Description of capital instruments
Institutions whose capital base currently consists solely of Common Equity Tier 1 (CET1) capital generally provided little by way of commentary as to whether this will remain an appropriate capital structure going forward. For institutions which have a more complex capital base made up of two or more types of instruments, these were generally adequately described, including the contractual obligations arising from these instruments as well as an explanation of the key differences between capital instruments.
Better practice examples commented on the continued appropriateness of continuing to solely use CET1 and also whether any changes in the capital base are expected. Reports also usefully could detail whether an institution has any capital options available to it other than CET1.
For consideration
- Has the board articulated its thinking as to the current and future mix of capital; why a particular mix is appropriate; and what factors may have arisen in the period that has confirmed or changed the board's view?
Material changes in ICAAP
Most Reports reviewed included a reasonable level of commentary on material changes made to the ICAAP during the period covered by the Report, while others explicitly stated that no material changes had been made. The materiality of the changes discussed varied between Reports.
The inclusion of information on material changes made to the ICAAP, together with a description of the impact each change had on the institution's capital management processes during the period is considered better practice.
For consideration
- Is the board satisfied that the Report clearly documents any proposed or actual material changes to the ICAAP?
Changes in risk appetite and risk profile
In general, Reports adequately described any changes made to the institution's risk appetite and risk profile during the period, or alternatively stated that no material changes had been made to the risk appetite or ICAAP.
Better practice Reports provided further explanation as to the rationale for any change in risk appetite, rather than simply providing a description of the change; and, following this, provided detail on the implications of the change in risk appetite on the capital position of the institution.
For consideration
- Is the board satisfied there is a process which ensures that, where there is a material change in risk appetite, the impact is considered in the ICAAP and there is a clear description of why (or why not) the ICAAP has changed as a result?
Economic capital vs regulatory capital reconciliation
Where institutions utilise internal capital models (whether for internal or regulatory purposes), these generally result in different capital outcomes to regulatory requirements. Better practice Reports provided a more complete explanation of the key factors driving the difference between capital outcomes. In addition, a description of capital applied to risks under the economic capital model, which are not specifically covered by the regulatory framework, also adds value to the Report.
For consideration
Does the board consider there is adequate coverage in the Report on the relationship between economic and regulatory capital; and does the Report adequately identify the reasons for any difference between these?
Three-year capital projections
LPS/GPS 110 requires an institution to compile capital projections covering a minimum of three years and include the results of these projections in its Report. While all Reports reviewed included three year capital projections, the quality of the projections varied significantly. Some institutions provided detail in regard to three year capital projections while others were less robust and relatively basic. A small number of institutions provided projections out to five years.
Most life insurers and friendly societies broke down their three year projections by statutory fund/shareholder fund and benefit fund/management fund respectively, however a number of general insurers failed to break down projections by licensed insurer and focused on projections at Level 2 only. In some instances projections were relatively high level and failed to include detail on how the projections were developed and the key underlying assumptions driving them, thus limiting their value.
A number of institutions also failed to align capital projections to the strategic direction described in strategic and business plans, while many did not make reference to how past performance was taken into consideration (and some institutions reported against historically exaggerated expectations of performance which diminished the value of their ICAAP comparison).
Better practice examples included:
- commentary on how the projections were developed;
- a description of key drivers and underlying assumptions;
- reliable and realistic projections clearly aligned with business plans; and
- a description of how key risks had been factored into projections.
Some institutions with a Pillar 2 supervisory adjustment applied in addition to their PCA considered this adjustment to be temporary in nature and thus forecast their capital position against their PCA as opposed to their PCR. APRA expects the PCR to be reflected in capital projections.
For consideration
- Has the board satisfied itself that longer-term capital projections are specified in sufficient detail in the Report?
Impact of changes in risk appetite, risk profile and other factors driving capital needs
Most Reports included information on planned changes in risk appetite and risk profile however the quality of this commentary varied. Detail on how potential changes in risk appetite and risk profile will impact an institution's capital projections is expected to be included in Reports.
In addition, APRA expects institutions to provide detail on any changes which occurred during the period to the drivers behind future capital requirements by i) business activity; ii) geographic spread of exposures and iii) risk types. Better practice would see:
- institutions which operate in offshore locations providing a breakdown of any changes in capital usage by country;
- institutions with solely domestic operations including detail on any changes to exposures across states or exposures to particular "higher risk" locations throughout Australia; and
- discussion on any changes to projected capital needs by risk type.
Some institutions made no comment in this area and others referred to it only briefly. Only a few institutions included commentary which could be considered satisfactory. This is an area for improvement.
For consideration
- Has the board satisfied itself that the Report is adequate to assist the board to understand clearly the capital implications associated with any changes in the institution's risk appetite or risk profile during the period?
Stress testing
Self-assessed area for improvement
Stress testing was identified in many Summary Statements as an area where improvements were planned over the next 12-18 months. This was reiterated in a large number of Reports. In cases where institutions advised in their Summary Statement that they would provide a greater level of detail on stress and scenario testing in their Report, this was generally observed.
Better practice would see the process for stress and scenario testing being fully described in the Summary Statement, with the outcomes of this testing detailed in the Report. The Report should also consider what changes or enhancements to stress testing were planned for the period, including commentary on implementation or (if they were not implemented as planned), explanation as to why they were not implemented.
Use of outputs from stress testing/scenario analysis in decision making.
While the Reports revealed a marked increase in the level of attention given to stress and scenario testing by institutions, there remains a general lack of focus on how the outcomes from this testing are utilised. Many institutions do not appear to recognise the full value of stress and scenario testing as an input into key decision making processes including Risk Appetite Statements and the determination of capital buffers.
In a large number of cases, institutions used the outcomes from stress and scenario testing to justify their existing capital buffers and corresponding trigger points as being appropriate. We observed very few examples where the outcomes resulted in any adjustment to buffers and triggers.
It was also noted that relatively few institutions made changes to their ICAAP as a result of undertaking stress and scenario testing. This may suggest that such testing is still viewed primarily as a method of confirming that existing capital management parameters are appropriate rather than truly testing them.
Only a small number of Reports took the additional step of describing the management actions which would be considered when stress and scenario testing outcomes revealed a need. Better practice is to include the results of stress and scenario testing both before and after the impact of management actions in the Report.
For consideration
- Has the board satisfied itself that the Report adequately discussed stress testing outcomes and links this to planned changes or enhancements to stress testing, capital buffers and triggers?
Sensitivity factors and scenarios
Sensitivity factors chosen by institutions for stress testing varied substantially, moving from relatively benign factors which had little impact on the institution's future performance, to those which had a severe impact and sometimes resulted in a breach of PCR. Some institutions preferred to focus on less severe factors to show that they are capable of withstanding shocks which have a higher likelihood of occurring, while others chose factors which could be considered more severe but less likely to better test resilience to unforeseen stress.
Where scenario analysis was undertaken, some institutions appeared to underestimate the full impact of the scenarios, neglecting to consider potential "follow on" effects which might be expected to occur should a particular scenario ensue.
Stress tests should include a variety of severe but plausible sensitivity factors which are tailored to the business and risk profile of the institution as well as risks on the horizon. In addition to determining the individual stress factors, the likelihood of each factor occurring should also be taken into consideration.
Testing should place the institution under a degree of stress which might require remedial actions to be taken. This provides management and the board with a better understanding of the severity of factors that may cause concern, as well assisting in the development of a toolkit of mitigating actions that potentially could be implemented in appropriate circumstances.
Better practice Reports included scenarios that were highly relevant to the individual business operations of the institution.
Reverse stress testing
Only a small number of institutions included detail in their Report on the outcomes from reverse stress testing2. The level of detail provided on outcomes also varied and few institutions took the subsequent step of suggesting actions to be taken based upon the outcomes.
Better practice would be for institutions to use the Report as the primary method of advising the board of the outcomes from reverse stress testing, or detailing these outcomes in a separate document and providing a summary in the Report. Any capital management actions required as a result of reverse stress testing outcomes should also be highlighted in the Report.
For consideration
- Has the board reviewed the outcomes from reverse stress testing and considered whether these outcomes require any change to future capital plans?
1APRA releases response paper on risk management consultation for private health insurers
2 Reverse stress testing is essentially a process in which an entity starts with the outcome (a given loss), and will then aim to identify a scenario that would cause this impact. It can be used to identify scenarios that would cause the entity to fail, relative to PCR or a different benchmark (or that would cause an unacceptable loss in a particular business or portfolio).


text:
Happy Hook / Vanilla & Reseda Green
€16.00 Sold Out
An Happy Hook for an Happy Home.
Dimensions: Ø 9 cm / H: 3 cm
Handmade with beige stoneware.
Finish: Vanilla & Reseda Green
Fixed to the wall with 2 screws.
Screws & wall plugs included.
Please keep in mind that this piece is not a standard industrial product. Due to the nature of handmade ceramics each piece has charming irregularities.


text:
The fifth welcome of the month - this time to ironmammoth whose work I just stumbled upon on Lead Adventure Forum. And it is stunning stuff.
ironmammoth has been, among other things, creating some amazing laser cut MDF terrain. I had seen his nodding donkey (pumpjack) before, but forgot about those until today when I saw his stunning windmill. I note ironmammaoth has some similar war-game interests to my own so I will be sure to check out his blog here.
Anyhoo, with the dots joined up for me, ironmamoth's is one blog I will be watching very closely. And thanks again for doing me the honour of signing up to Pulp Citizen.
On my own hobby front; no painting of minis in the past few days (just walls!), but quite a lot of writing...


text:
Operationalizing Data for Tactical Level Solutions
Connected vehicles have been in the market for nearly half a decade and it's been about a year since the emergence of connected insurance for vehicles. These internet equipped vehicles make it easier for the driver to multitask without having to remove their hands from the steering wheel. Connected insurance for vehicles makes it convenient for policy holders, with the most up to date cars, pay rates that are directly related to how they drive. This Usage Based Insurance (UBI) also known as Pay As You Drive (PAYD) and Pay How You Drive (PHYD) allow low-risk policy holders to get rewarded for driving safely.
UBI is dependent on the usage of telematics, which monitors driving patterns. By implementing UBI, insurance companies will now have a competitive advantage because prices will now be driver specific.
Join us in January for this in-depth knowledge exchange organized for top tier industry thought leaders! Hear how mobile apps, connected vehicles and UBI are going to change the automotive landscape!
Featured Speakers
Connected Vehicle Trade Association
Product Manager
VP Product Strategy
Answer Financial
Founder and Director
IoT Insurance Observatory
Intelligence Analyst
Solutions Architect
Connected Vehicle Domain
Vice President of Personal Lines and Auto
The American Association of Insurance Services
General Manager
Autonomous Vehicle Alliance
Insurance Telematics Expert
Executive Director
Illinois Autonomous Vehicles Association
VP Insurance Solutions
Chief Expert Car Communications & IoT Consultant
BOSCH Automotive
Senior Industry Analytics Consultant
Counsel in Public Policy Resource Group
State Farm
CEO and Founder
Mandli Communications
CEO & Co Founder
Haas Alert
Key Benefits
Get hands-on experiences with the latest innovations and implementations in mobile applications and telematics services for Usage Based Insurance. Discover how these apps are helping to revolutionize the way we obtain our premiums.
Share challenges and best practices on a peer to peer level while gaining new strategies and tactical level solutions to overcome your most pressing connected vehicle insurance concerns.
Don't miss the opportunity to connect with key thought leaders who deal with connected car insurance innovations on a first-hand basis - meet with various OEMs, Disruptors & Insurance Companies to satisfy your business goals.
Registration Form for
Connected Vehicle
Insurance 2019
Want to fast track your attendance to Connected Vehicle Insurance 2019?
Anticipated Attendee
Find out who you will meet and learn from at the 2019 Connected Vehicle Insurance Summit with our Anticipated Attendee snapshot!


text:
Topics: Net Promoter Score (NPS), recruitment marketing strategies, automation, candidate engagement, COVID-19
I had a great time in Las Vegas recently at HR Tech. This event has been held for over 20 years, bringing thousands of HR and technology professionals together to share, learn and discuss.
Topics: recruitment marketing strategies, Research, research marketing
We are living in a world where the terms "B2B" and "B2C" are increasingly becoming obsolete. People today make professional decisions using almost the exact same criteria as personal ones. Some are even using the term H2H -- human to human -- to classify marketing communications.
Technology has been a critical component of staffing operations for years. From the olden days of fax machines and copiers to the advent of job boards and the ATS, as technology has evolved, the staffing industry has become more streamlined and efficient.
Topics: recruitment marketing strategies, Research, staffing and recruiting, candidate experience, candidate engagement, text messaging, staffing trends, technology
A barrage of LinkedIn InMails. Calls. Emails. You are clearly interested in those candidates who so perfectly meet your client needs.
Topics: recruitment marketing strategies, candidate engagement, text messaging
Help the right candidates find their fit at your company through recruitment marketing
One of the many popular buzzwords in the talent acquisition space is recruitment marketing. Here at Sense we talk a lot about the candidate experience, but before you can provide a great experience, you have to recruit those candidates.
Topics: recruiting, recruitment marketing strategies, candidate experience


text:
If you are filing a Chapter 13 bankruptcy you will need to manage car loans in bankruptcy for 3 to 5 years after the plan is confirmed. You need to ask how you will get to and from work for the next 5 years before you file your Chapter 7 or 13 bankruptcy and you may need to replace the car before you file. Whether you file a Chapter 7 or Chapter 13 you need to make a choice to keep or surrender your car to live within your budget. The decision should not be an emotional one. If you have a leased vehicle, or a car that is unreliable you probably need to surrender the expensive or junk car in bankruptcy and get an affordable and reasonable replacement. You can always surrender a car in bankruptcy at the start of the case but you may not be able to surrender it later without problems. If you are surrendering the car I have had some clients keep the radio batter or tires they just replaced. Other clients have kept the carpet, engine, transmission, and seats which may not have been reasonable but they kept it anyway. Sometimes we have a good car that reasonably and reliably gets us to and from work. If you have a good car you may need to keep it by "reaffirming", "cramming down" or "redeeming" it.
In a Chapter 7 Bankruptcy
You can manage your car loan in bankruptcy by reaffirming or redeeming the vehicle. If your budget shows that you can afford your vehicle then you probably want to reaffirm the vehicle. In a reaffirmation the lender will send your attorney the paperwork to keep the vehicle if you ask for a reaffirmation. You simply sign the reaffirmation and continue to make the payments. With a reaffirmation the payments are reported to the credit bureau. If your budget does not show that you can make the payments you may often make the payments anyway and keep the auto. Without a reaffirmation agreement the payments will not be reported to credit reporting agencies. If you didn't sign a reaffirmation you cannot be sued later if the car is repossessed. We rarely sign reaffirmations for that reason. If your car is a good car but you owe more than what it is worth you may redeem it and pay the cash value of the car and the lender will release the lien. 722 redemption will provide a different reliable auto if you need to replace a car or finance the redemption of your vehicle but they do have a high interest rate. Even though their interest rate is at 23% if you save half the cost of the car in principle it is still a savings.
In a Chapter 13 Bankruptcy
Always remember that anything a Chapter 7 can do a Chapter 13 can do better. A Chapter 13 has special rules to help you manage car loans in bankruptcy. In a Chapter 13 you can surrender a vehicle but you may also reduce the amount of interest often to less than 6%, in some cases you may reduce the principle that you owe for a vehicle by cramming down the vehicle and you can protect a co maker. Car loans are often surrendered in a Chapter 13 if you owe much more than a car is worth. But you can cram down the car loan and only have to pay back what the car is worth in full if the car loan:
- Was for a business vehicle or
- Is over 910 days old or
- Did not finance the purchase of the auto the car may be "Crammed down"
The unsecured amount of the car loan is paid along with other unsecured creditors at the percentage paid to other unsecured loans. If the loan is not paying back the loan as fast as it is depreciating the lender may also want the plan to increase the payments for the car with "adequate protection payments'. This may not increase your monthly payment in the plan and may only accelerate the repayment of the loan.
Driving a paid for vehicle
I have always enjoyed the common sense approach of a certain Dave Ramsey video about making a car affordable. There is never a problem in managing your car loan when you save up the cash and the car is paid for. A car is just something to get us to and from work safely and economically. We don't need a Shelby mustang or F 350 4×4 pickup truck to drop off the kids at school. We are far better off driving a hail damaged 3 year old Ford that gets 30 miles to the gallon and only cost us 150 per month than a Hummer that gets 10 miles per gallon which costs 900 per month. The wife will appreciate dinner and a date night movie in a 4 year old Ford much more than a new corvette with no food. This is the kind of logic bankruptcy judges use when they look over your budget. You may not be able to keep the expensive motorcycle when you are trying to save a home. Instead the creditors will have to sacrifice big and you will have to tighten your belt a little.
- Foreclosure Forms - 09/18/2020
- Student Loan Rehabilitation Law New Regulations - 08/23/2020
- Student Loan Bankruptcy Law Reform - 08/23/2020


text:
Introduction Google Keyword Checker External Tool
SpyFu is among the feature rich tools, but has the Least attractive interface out there. SpyFu offers SEO and PPC spy application choices . Google Keyword Checker External Tool
Click here now to register to Spyfu!
Keyword User and Search Experience
The SpyFu dashboard is laid out using a navigation bar across the top with tabs for SEO Research, PPC Research, Keyword Research, Backlinks, the List Builder, Tracking, and Reports. There is a lot SpyFu can do throughout the spectrum of SEO tooling, but with this review we are focusing on its own ad hoc lookup capabilities. When a company is seeking to identifying the best possible search engine results pages (SERP) to target with an optimization strategy, keyword-driven analysis is the legwork to get pages to rank higher. Keyword recommendations and direction capacities are built in throughout SpyFu, but I began in the Keyword Research tab.
When I used the same set of five Key words to see how results differed between every one of my opponents. The five key words that I used were IT consultant advertising, online shopping, pcmag, and small business bookkeeping. I chose this combination to simulate real world terms that companies might search for (including publishers like PCMag) and to discover associated search results and vulnerable competition websites.
After running searches on my five test terms, I found that SpyFu produces and structures its key word results and metrics somewhat differently than Moz Pro, KWFinder, or Ahrefs$82.00 in Ahrefs. Rather than populating a table of related key words with Page Authority (PA) and Domain Name Authority (DA) metrics together with stats on price per click (CPC) and keyword difficulty, SpyFu brings a far more obvious correlation with exactly how much cash a keyword could be worth. After searching"digital marketing," for instance, another navigation bar appeared across the top of the results page further breaking down the search results. You can then drill down into key word summary, related key words, advertiser background, status background, traffic, key word group, and SERP analysis. That is just for a single key word question, revealing how SpyFu does arguably the most granular investigation into data of the tools I analyzed.
Atop the main results, SpyFu gave me not just CPC for the Keyword, but a daily and monthly cost breakdown as well as the number of unique advertisers had appeared on the keyword in the past year. I got exactly the same degree of price breakdown once I clicked on the Related Keywords tab, which also enabled me to narrow results using a left-hand filter menu to a particular cost per day, daily investigation volume, difficulty rating, and much more.
In the bottom of the results was the SERP analysis. This broke down every URL in the search results page, though KWFinder and Moz Guru both offer a more detailed breakdown in this regard. SpyFu targets monthly price, which may or might not be significant to your business. Results such as the Advertiser History chart, a lengthy list and complicated diagram of the ads appearing on that search page as time passes, was somewhat too from the weeds for me as a newcomer SEO instrument user. But for advertisers and marketers, SpyFu is a gold mine. Google Keyword Checker External Tool
SpyFu Kombat
With SpyFu Kombat you can look at overlapping and site Certain key words For up to 3 websites. For your PPC version you can also find a graph which goes over a period of a few years demonstrating that the general number of key words being bid on by all 3 sites. You can also rollover the chart to find key words specific to only two of those sites if you are feeling the 3rd site might not be doing as good a job (or vice versa) as 2 of the other sites. It will also show you that the PPC budgets of the websites as well as the amount of organic keywords rank in the top 50 results for said keyword.
When you click it will show you the Key words in whatever bucket you click, towards the right of the chart. You can see and download those key words for your use. As you can see I am on the advertisements tab but the options are similar when you click on the organic tab (on the upper box, the organic one at the bottom shows you complete organic keywords).
Switching between the natural tab along with the ppc tab (also as the Total # of organic search phrases + PPC advertisement budget should also give you an notion of which of the larger sites are more into the PPC or SEO side of things which can be a good barometer to check at if you chance to be focusing on one place on the other hand.
SpyFu Classic
SpyFu Classic is the"flagship" segment in order to speak. This is Where you enter one domain on the home page and also are presented with a TON of data including:
– Daily AdWords PPC Budget
– Links through to SpyFu Kombat
– Typical Position of Advertising vs # of Advertisers
– Estimated Value of Organic Traffic (estimated visitors using a variable of CPC factored in)
– Paid Traffic Compared with Organic Traffic Quotes
– Subdomains (useful for looking at how a site might break out parts of the main domain, maybe a good place to look for niche keywords???)
– Top Ten Paid Keywords w/ Keyword Ad History (links through to complete Keyword Ad History tool)
– Complete Paid Keywords
– Total Organic Keywords
– PPC Competitors (with a link to overlapping key words )
– Organic Competitors (with a URL to overlapping key words )
– Category
The data can be useful, as you can see the:
– Estimated PPC, Clicks, Price Per Day, Total Advertisers. . .all with trend information
– Top Ten Domains Advertising on the Keyword, together with Domain Ad History
– Additional Keywords Purchased By Relevant Domains
– PPC Ad Copy Using a URL to Keyword Ad History
– Top Ten Organic Outcomes with Title, Meta Description
– Associated Terms
– Associated Concepts (based on semantic relationships)
– Categories Google Keyword Checker External Tool
Click here today to register to Spyfu!
Keyword Management and Reports
Keyword direction is baked in to SpyFu through the platform. Within all its three major research tabs–SEO, PPC, and Keyword–you will find options in the drop-down menus for SEO and PPC-specific keywords and phrases, and Keyword Groups. The Keyword Groups attributes in each tab are rather similar, populating a table using monthly search volume, CPC, problem rating, and monthly price. All these are SpyFu's four main metrics where key word research is worried. On the left of the desk are the keyword you have researched and grouped yourself, or high keyword class suggestions from SpyFu. On the top right of the table you can then add chosen key words for lists, or export your chosen keyword within an Microsoft Excel file, CSV, or PDF. This basic keyword grouping functionality is much like SEMrush$99.95 at SEMrush and implemented better in Moz Professional and KWFinder.
Where SpyFu's key word management abilities really stand Out are in its List Builder and Tracking tabs. Additionally, this is where SpyFu creates its deep connection between SEO and client relationship management (CRM). In the List Builder tab, there is a Best Lists segment with targeted lists of domains and key words like"Assets Which Spend the Most On AdWords," keywords with the maximum CPC. There is also a listing of the most expensive keywords, which you can then filter by state, industry, or a specific web-based technology: Ad buying platform, affiliate marketing, email advertising, and internet shopping cart are a few of the options.
Alongside Leading Lists, there is a dedicated Business Leads tab. This essentially acts the exact same way You enter a place, industries and keywords, and refine results using filters such as AdWords budget and SEO clicks. The research then returns a list of leads with contact information that is available and this site advertising budget that can be exported into your CRM or lead management system. I'd like to see SpyFu go a step farther with this and integrate its SEO lead lists straight using a platform such as Salesforce$75.00 in salesforce.com, but the instrument is already ahead of the curve. SEMrush includes a lead generation tool, but that's the closest comes to what SpyFu offers.
But, SpyFu recently included AdWords Templates as Portion of a Google AdWords campaign. The templates consist of prewritten ads for groups that are keyword in hundreds of businesses. The templates can be downloaded by users in the SpyFu site and then upload to an AdWords account.
The platform also includes SEO campaign management With its SpyFu Project Manager tool. SpyFu designed this as a project management(PM) feature within the SEO platform for tackling integrated keyword research and rank tracking within a campaign. My SpyFu is just available in paid plans (not the free trial), but it lets you set up multiple projects tracking grouped key words plotted against SEO position, traffic value, ROI, and a number of different metrics. All you have to do is open the My SpyFu menu and then include a new job. It is the greatest and only example in this roundup of built-in, SEO-focused PM.
There is also You 've identified and begin continuing tracking that keyword position changes and reports back with domain positions. I was also able to prepare custom SEO reports in a few simple measures: Enter a domain name and choose whether or not to run a document on SpyFu's suggested domain keywords or custom key words. I entered my five custom keywords chose up to five competitors' URLs, and then was given the choice to run a report or a monthly report.
This Type of analysis is another area in which SpyFu stands out, as it also has a tool called"Kombat" that is available from the SEO and PPC Research tabs. In Kombat, I typed in the domain of PCMag and the tool immediately built an interactive data visualization that revealed where PCMag's top keywords overlapped with our competitors. There's also what SpyFu calls a"key word world," list CPC, CTR, monthly price, and monthly clicks to get core keywords and advocated keywords. This research breakdown is another feature that helps ways to acquire an SEO edge. Google Keyword Checker External Tool
With the SEO performance of its primary Solution, SpyFu has introduced a research tool called Nacho Analytics, which provides access to other sites' internet analytics. Through this stage, you can see on-page behavior , time-of-day visitors, and segments.
Keyword Ad History
You will be shown by keyword Ad Background, via colour bars often the Key words appeared in a domain PPC campaign alongside any changes in the advertisement copy (all of which can be exported to excel). It extends back to 2006 via the Bonus History Button and shows that a year's worth of data up front.
So it is pretty straightforward, and that's exactly what I like about SpyFu Tools. No more over-reliance on"in-house metrics" it is just"here is the advertisement history of this key word", plain and simple. If you find a keyword being promoted on by a PPC advertiser that is good persistent you can look to apply that ad copy technique to some niche market of the keyword. If I had been advertising for"resorts in Oklahoma" I might listen to that which ad copy was successful, as time passes, for this main/core key word"hotels".
Domain Advertisement History
Domain Ad History Is like Keyword Advertisement History except it reveals the Keyword history of a specific domainname.
This tool is useful in Taking a Look at keywords Which Have Been effective for Your opponents (or larger players in your market ) and which ones that they tried and abandoned (which could be ones that you prevent out of the gate). All this assumes the domain you're researching is capable PPC advertiser.
Keyword Smart Search
The Keyword Smart Search tool in SpyFu utilizes semantic word relationships, Publicly available keyword information, and PPC campaign data to come back a list of keywords related to the keyword(s) (up to 10) you input. As you can see, you can filter search volume, by CPC, and you can exclude key words.
For me personally, I prefer to use the Organic keywords found as well as the PPC keywords In SpyFu Classic or SpyFu Kombat. I love to use other tools for pure keyword research (Google tools, Microsoft Ad Center Intelligence, and Wordtracker). Primarily, I feel SpyFu is at its best when used as a competitive research instrument versus a keyword search tool. Google Keyword Checker External Tool
Pricing and Plans
As I just mentioned, SpyFu's Basic plan begins at $33 each Month when billed yearly (roughly $39 per month ). Though, unlike other tools in this SEO tool inspection roundup, for example Moz Guru and KWFinder$12.00 at KWFinder, SpyFu doesn't cost by search results. All programs have an unlimited number of keyword, keyword collection domain name, backlink, and competitor/domain comparison search results combined with boundless data export. The functionality that you receive with SpyFu for your price is a significant element in the reason we gave it an Editors' Choice, and the unlimited search volumes make the instrument even more appealing for ad hoc keyword research.
That is not to say SpyFu doesn't cap anything. The Fundamental Plan provides you a potential of 250 sales leads and domain name contacts, and 5,000 weekly tracked keyword rankings, together with 10 domain reports and 10 pay-per-click (PPC) reports through SpyFu's AdWords Advisor tool. The $78-per-month expert plan (also $58 a month when billed yearly ) bumps contacts and leads to 500 and weekly monitored keyword rankings to 15,000, along with custom-branded reports and access to SpyFu's application programming interface (API).
Finally, SpyFu has included a $199 per month Team program (billed yearly, or $299 month-to-month) with 2,000 sales leads and domain contacts, 40,000 weekly tracked keyword rankings, and five user logins. SpyFu also includes a 30-day money-back warranty. Overall the company has slashed its pricing because our inspection, which makes it attractive to SMBs.
I find their tools pretty helpful for research. I don't use Their own Keyword Smart Search which They provide (in a straightforward fashion) at the price points they provide is quite A wonderful combination. SpyFu makes its way into my arsenal on just about Each project. Google Keyword Checker External Tool
Click here to sign up to Spyfu!


text:
I've been doing the stay at home mom thing for a week now. So far, so good.
Finding things to keep the kids occupied has been tough. They're obsessed with their tablets, TV, and for the oldest, Minecraft. I kick them off technology regularly and get whines of "I'm bored!". Ugh. I tried suggesting things for them to do and got a resounding "No!". I've been leaving them to solve the boredom and after a whole week, they are finally getting into pretend play again with their toys, and reading or looking at books. The other day I made banana bread and the oldest volunteered to help and really enjoyed it. He also ate it (actually over half of the loaf) without telling me it looked weird, so I call it a success.
Yesterday I painted a "No Solicitors" sign, because the religious and sales people have been driving me up the wall. Both boys kept wanting to help, so I went and dug through my craft supplies and found some flower pots for them to paint. I think we'll try turning them into wind chimes in a day or two when they're getting antsy to do some crafting again. If I suggest it, it will be a no, but if I let them start asking, they'll be gung ho for it.
Can you tell from my painting that I'm a huge Mary Engelbreit fan? I've always loved how bright and cheerful her pictures are. I'd never painted something like this before and wound up painting how I doodle. The slate plaque is from Goodwill – it has an ugly Christmas scene on the other side. I tried removing it with nail polish remover but that didn't work so I just flipped it over.
Next week is vacation Bible school for the oldest and that will be a relief. I'm still trying to come up with creative things for them to do and it will give more time.


text:
On May 8th this book will be available on Smashwords. While website changes are made this web-book has been set to members only.
Much of the content will remain available on the website and the Volume One on Smashwords will contain what is important to understanding Climate Change and WILL BE FREE!
The goal of ThyArt Above Climate Change is to infect what is without doubt a lie with enough truths that it damages the health of the lie. The lie will not die easily if it is even possible to kill it. Behind it are names like Rothschild and Rockefeller, along with the banking / central banking community. Their real goal has nothing to do with climate but wealth and power control, preventing oil rich countries from becoming contenders and grabbing land for their later reconstruction of civilization with them owning and controlling land no matter the country. They control the media, they control stocks in most oil companies as well as most renewable energy companies (a win-win), they control the social media, where there is power or the ability to spread mass propaganda they have a controlling hand. Some of the information on this page will be repeated in the following documents of this effort.
Their strategy set in Agenda 21 was to steal the children, now 25 years later the world is faced with what may be the biggest crime placed on almost every individual in the world.
Climate Change is about POWER: There are a few families that rule through the power that is passed down gained from royal roots, banking, monopolized industries, and resources such as oil. Through trust funds and NGOs they insure their legacy to continue. Two concerns over their stability of control are competing money and population growth concerns. Climate Change confronts both of these. Oil is being found almost everywhere making it anybody's or any country's wealth, causing a need to shift from its use and a need to demonize it as bad for the Earth. These Elite have for centuries relied on an Elite Intellectual class coming from the most prestigious of universities. The solution for those rich, the royalty, and the powerful is to counsel the most educated of people into what many now know as Non-Governmental Offices (NGOs). Examples of these entities are Carnegie, Rockefeller, Chatham House, Ford, Brookings, Bill & Melinda Gates, Heritage, etc...; there are literally thousands of these institutes providing elitism to selected Intellectuals. These intellectuals are used to help the Elite maintain their power and control, creating the propaganda and rhetoric to sway the population towards their interests and agendas. The Agenda from the United Nations was named Agenda 21 with one of its concerns being Global Warming by the nasty molecule called carbon dioxide. The Elite Intellectuals in the top positions of the NGOs, institutes, and universities defined the curriculum for the next generation of students. Now about 30 years later, the world is run at almost every level by individuals trained on the story of Global Destruction by carbon dioxide.
MUST WATCH, this video as an introduction to the crime.
To the ThyArt Above Climate Change Facebook page: It is not a problem disproving the theory but to be able to open the minds of friends and family. Every approach becomes too long and too complex for someone 12 years old, meaning it will be ineffective at reaching most people that have little interest in the subject (yet they believe climate change is real (with the politicians and scientists have their back in the end)).


text:
Grain free and delicious are together at last. This natural dry dog food recipe stars US farm-raised chicken as the #1 ingredient and accents of real blueberries, pumpkin, and spinach.
This delicious wet dog food is made with real salmon and finely chopped ingredients you can actually see, like sweet potatoes, brown rice, and spinach. The tender, easy-to-chew bites come in just a touch of sauce and are made with no artificial colors, flavors, or preservatives. Whether served on its own as a complete and balanced meal for your adult dog, or used as a topper or mixer with dry food, Beneful Chopped Blends is sure to be a bit hit with your dog's tummy and taste buds.
10 oz tub
Water, chicken, wheat gluten, liver, meat by-products, salmon, sweet potatoes, brown rice, corn starch-modified, spinach, soy flour, salt, tricalcium phosphate, MINERALS [potassium chloride, zinc sulfate, ferrous sulfate, copper sulfate, manganese sulfate, potassium iodide, sodium selenite], VITAMINS [Vitamin E supplement, niacin (Vitamin B-3), thiamine mononitrate (Vitamin B-1), calcium pantothenate (Vitamin B-5), pyridoxine hydrochloride (Vitamin B-6), Vitamin B-12 supplement, riboflavin supplement (Vitamin B-2), Vitamin A supplement, folic acid (Vitamin B-9), Vitamin D-3 supplement, biotin (Vitamin B-7)], choline chloride. B-3701
Manufactured by: Nestlé Purina PetCare Company, St. Louis, MO 63164 USA
Beneful Chopped Blends With Salmon, Sweet Potatoes, Brown Rice & Spinach is formulated to meet the nutritional levels established by the AAFCO Dog Food Nutrient Profiles for maintenance of adult dogs.
Adult dogs: Feed one 10 oz container per 10 - 12 lbs of body weight daily, divided into two or more meals. Adjust feeding amount as needed to maintain ideal body condition. When feeding with dry product: One container of this product replaces approximately 3/4 cup dry pet food.
Always provide fresh water in a clean container for your dog.
Calorie Content (calculated):
1091 kcal/kg
309 kcal/tub
Okay, so I haven't tasted it myself, but both of my two small dogs find it delicious. I buy the chopped salmon & spinach (they have a meat allergy).
My dogs loved Beneful Chopped Blend with Salmon. Is th first time to taste this food. It is a Excellent Choice.
Harder to find but my dogs favorite food I just wished more stores in my area carried it
One of the best not only cats like fish but dogs do as well and I am very happy they have finally started to buy into putting fish in some of the food.
Happy with this food. My dogs love it. Eats eat and i see no problem wit this food
The choice of salmon is not very common. This is one of our dogs favorite flavors.
My dog loves this wet food and salmon is his favorite. I tried salmon with other companies, but my picky guy prefers this one!
Received a coupon for this and bought some to mix with our mastiff's dry food. He loved it! He gobbled every bit of it!
tried for first time and dog loves it. Had a coupon and sale so it was worth buying.
I have a senior dog so she has a very sensitive stomach. This has been the best for her


text:
The Blanchester seventh and eighth grade volleyball teams defeated Georgetown Tuesday in a pair of matches.
The eighth grade was victorious 25-21, 25-11 with Summer Schutte leading the way, nine kills, four aces, four assists and two perfect passes.
Ainsley Whitaker had five kills, six perfect passes, three assists and an ace. Emma Falgner had three aces, two kills and two perfect passes. Makayla Lanham finished with two aces, a block, three perfect passes and an assist.
Sarah Pell had a kill and an assist. Coach Amanda Benza said Mia Torres had two perfect passes and Josie Wilson had one perfect passes.
The seventh grade came out on to 25-22, 25-11.
Hope Blankenbeckler had 10 aces, three perfect passe and two assists. Kaylee Coyle contributed five aces, two kills and two blocks. Team captain Gracie Roy had a kill, two perfect passes, an assist and several crucial defensive saves, Benza said.
Lainey Dameron had six aces and Desiree Snader had five aces. Payton Johnson chipped in with two aces and a block. Annalee Miller-Steffen had three perfect passes. Cheyenne Reed had an ace and Abbey Irwin, Katie Haas and Gracyn Phillips all contributed defensively, coach Benza said.


text:
Torture Killer – Swarm
10.00 € inc. VAT
Classic Torture Killer! From Turku, Finland. Riff after riff of morbidity with more hooks than a Hellraiser cenobite fishing expedition for worthless souls. The perfect album for that Friday night drive to the morgue with that special someone.
Only 1 left in stock
Additional information
|0.1 kg
There are no reviews yet.


text:
Lydia Gall
Lydia Gall is a human rights lawyer by training and comes with a background in Roma rights and the Middle East. She has previously worked on documenting violations of humanitarian law and human rights in Israel and the Occupied Palestinian Territory followed by extensive work protecting and promoting the rights of the Romani minority in Europe.
Before joining Human Rights Watch, Gall worked as a staff attorney involved in strategic litigation on behalf of Romani victims of human rights abuses, particularly in the fields of housing and education. As a freelance journalist, she wrote extensively on human rights abuses of Roma and on political developments with potential human rights implications in Central and Eastern Europe.


text:
The plans are really nice and every little dimension is listed. I don't know how well I will do but I plan to make the things and put my attempts step-by-step here on the blog, along with the process of the buildings. It's where I got the idea for the little chests and I changed them to fit the firehouse. I want to make several of the counters for the stores.
Anyway, here's the book. If you haven't looked at Petite Properties, you need to go and gaze. I would like to get some of the buildings and add them to the ones I'm doing now, which are from Greenleaf. We'll see if I can make this furniture! I think I need another pair of tweezers, a middle-sized pair to add to my small and large ones.
I also am showing the inside of the booklet to show you the plans. This book is out-of-print now but there is a second one and hints of a third. If I can make some of these things, I will get the second book.
So, until tomorrow...
P.S. I also won a miniature doll on one of my lists to which I subscribe. It's a guy and I have to put him together and make him clothes. Another project. Poor hubby!


text:
Democrat with ties to Penn Yan plans to run for Congressional seat
After eight weeks of exploratory campaigning, Yates County resident Tracy Mitrano announced her intention to run for the Democratic candidacy to oppose Republican Tom Reed for the N.Y. 23rd Congressional district in the 2018 election.
Mitrano addressed Yates County Democrats at two events Saturday, Sept. 16: a formal announcement at the old Yates County Courthouse, and an evening reception hosted at Publick Coffee Bar in downtown Penn Yan.
"My concern with the political climate in the aftermath of the Trump election generally, and the cybersecurity issues that contributed to that outcome, prompted me to think about running for elected office," says Mitrano. "I have chosen the congressional seat because of my life-long experience in this district and because my professional expertise comports with federal issues that include foreign policy, tax policy, economic development related to the internet for agriculture, small and large businesses, universal health care (including the opioid crisis), maintenance of Medicaid and Social Security as a government program, the environmental protections, balanced gun laws, immigration reform, civil rights, including for transgender and same sex relationships, and education support, both K-12 and higher ed."
Speaking on her observations during her campaign exploration, Mitrano stated, "This district is hurting, unnecessarily, and in large part because of poor congressional leadership. At the bottom of that analysis lies a lack of compassion for the people affected by policies that neglect the needs of the middle and working classes. Enormous potential exists in the 23rd by virtue of the independent and robust spirit of its people, its vast and abundant land resources, its natural beauty, and not least the educational resources that, if properly connected with its communities from Johnson City to Dunkirk, could provide opportunities that today do not exist, but would not be too difficult to create and support for a 'lifting of all boats'."
Mitrano grew up in Rochester, working at her father's restaurant downtown. "I have always loved the Finger Lakes. Growing up in Rochester, I used to beg my parents to get a cottage, but because the restaurant business is very demanding, there was never time," recalls Mitrano. "After my parents passed, some 20 years after I already moved to this district, I bought a place in Penn Yan. To pay the taxes I still rent it out and will move here permanently after my younger son finishes college. I am still in love with the area. It has everything I care about: natural beauty, nice people, food and wine. To me, it is the Napa of the East and all the better because it is not crowded and you can still do a lot of fun things while not breaking the bank."
Mitrano has a bachelor's degree in English and History from the University of Rochester, a doctorate in American History from Binghamton University, and a law degree from Cornell Law School. She raised her family in Ithaca and worked as a professor and a lawyer before taking the position of director of information technology policy at Cornell in 2001. Nationally, Mitrano has worked on matters of internet policy, including government surveillance, intellectual property, privacy and security, information literacy, and management. In 2014, she created a consulting company, Mitrano & Associates. Between 2016-2017, she was the Academic Dean of a cybersecurity certificate program for the University of Massachusetts, Amherst. She is the interim director of the Executive Master's Program of the Park School of Communications at Ithaca College.
"Given my life and career experience and education, I believe I am the best candidate for this district," she says, adding, "I have worked intensively with policy as a matter of formulating needs into programs that work and make sense. I am intimately familiar with issues of national scope and significance that can be brought back productively for this district. I have created a public-private partnership — a vision of the future that we might create and support in the 23rd, whether it be for training in trades or in discrete areas such as information technologies. In addition to that which I can offer from my head in terms of education and experience, this district has my heart. To date, I have devoted myself to the service of higher education. Going forward, I would like to give back to this land that nurtured me."


text:
When watching a ballerina perform we see the beauty, the art, the elegance. What we don't see are the endless hours of arduous rehearsals. We don't see the bleeding toes and the swollen feet. We don't see the pain and sacrifice it takes to bring the dancer's dream to life.
From the time she was a young girl, born in France, Swann Cardot had always dreamed of becoming a ballerina. While growing up she lived in several other countries such as Belgium, South Africa, Canada and finally the US. Wherever she went there was one constant. The dream. The ballet.
She studied and practiced everyday for hours after school. She often sacrificed weekends and holidays to practice some more. She'd travel to learn from the best and to become as good as she had dreamed she could be.
In her teenage year, she developed other passions as well. She turned her attention to the same path her mother had followed and studied Art & Design.
Then, in 2011 a new passion was realized. While studying in New York she discovered the world of Fitness and Bodybuilding.
Her background in ballet has served her well. Here, again, she must push through the pain to get to the perfect physique and performance.
After an impressive string of victories in 2011 in the Figure division of the premier amateur organization, the NPC, Swann entered the Arnold Amateur in Columbus, Ohio. She was granted IFBB Pro status by her native country of France after her stunning performance there!
Swann made continuous improvements to her physique each and every season.
In 2016 she scored a very impressive win at the Toronto Pro. She followed that up with an unbelievable performance at the Figure Olympia, finishing Top 5 in the World and earning immediate qualification to the 2017 Figure Olympia. Now, officially one of the elite IFBB Figure Pros!
"What a mind can believe, the body can achieve. Through hard work, dedication and persistence, anything is possible. I think that having goals and setting challenges for ourselves is very important in order to become a better person, to feel confident and be happy and excited about life." says Swann.
After training for the stage for 7 years, setting one goal after another, learning everything she knows about training and nutrition, she realized that she had also given up on many things that were important to her and it was time to start a new chapter of her life. Starting new business ventures such as Swann Beauty , focus on her clients and helping others reach their fitness goals.
Today, Swann says,
"Living a healthy lifestyle and training for wellness is one of the greatest things I've done for myself and wish for everyone!
I am kind with myself, I have a healthy self-image and realize how important that is. I don't stress the gym, nor my diet. I enjoy every occasion, I adapt to all circumstances. I don't try to control the uncontrollable or plan every scenario. I am happier and healthier than I've ever been and feel like I have now started to build a richer life.
My goal today is to inspire and teach others how to live a healthy lifestyle while enjoying life the fullest!


text:
Pros of our app:
Gets rid of ads in games, utilities and on websites.
Our app is very simple to understand. It will take you only a few seconds to figure everything out.
Works on 64-bit devices with iOS 10, iOS 11 and iOS 12. This means that you can use our app even with older versions of your smartphone.
You can add your favorite sites to a special whitelist.
Maximum comfort for our users:
Some of the websites are only free because of the provided ads. So you can actually enable unharmful ads if you want to.
AdSmash works with pretty much any browser.
Your connection speed stays the same.
Supports both WiFi and cellular networks.
Mobile trackers can be blocked in a matter of seconds. By doing this, you can be sure that nobody records your activity.


text:
Wild Days! sponsored by the Slocan Lake Stewardship Society (SLSS) are free family nature walks held at various locations throughout the Slocan Lake watershed. In August 2016, three Wild Days! took families and community members out in the watershed for fun outdoor adventure and environmental learning. The 3-hour long programs encourage participants to explore and make sense of some of the small, wondrous creatures as well as large, spectacular features that surround our communities in the north Slocan Valley.
2016 Event Highlights
Saturday, August 6, 9 am-12 pm. Lakeshore Labyrinth
Took place along the Hills lakeshore and rail trail with cool, fun facts about geology, insects and other little creatures, and plants from local experts Richard Johnson, Daniel Hellyer, and Marcy Mahr. Participants: 47
Saturday, August 13, 9 am-12 pm. Creatures – Big and Small
Explored the Bear and Fish lakes pass and discovered fascinating habits of bears, toads, insects, and plants from local scientists Wayne McCrory, Daniel Hellyer, and Marcy Mahr.
Participants: 51
Saturday, August 20, 9 am-12 pm. Mysteries of the Not So Deep
Unraveled the mysteries of aquatic insects, ecology, and riparian habitat at Springer Creek in Slocan led by Shanoon Bennett and Marcy Mahr.
Participants: 22
Program Stats
Five local naturalists and scientists led the tours: Richard Johnson, Daniel Hellyer, Wayne McCrory, Shanoon Bennett, and Marcy Mahr representing a broad range of scientific disciplines that infused interesting natural wonders into each event.
The numbers of participants totaled 120 people!


text:
This page was exported from Quickly Pass Test With Lead2pass New Brain Dumps
[ https://www.freepass4sure.net ]
Export date: Fri Sep 25 19:33:50 2020 / +0000 GMT
[2017 New] Lead2pass Latest Microsoft MB2-717 Exam Questions Free Download (21-30)
2017 May Microsoft Official New Released MB2-717 Dumps in Lead2pass.com!
100% Free Download! 100% Pass Guaranteed!
Thank you so much Lead2pass. You helped me passing my MB2-717 exam easily, 90% of the exam questions from the dump appeared in my exam.
Following questions and answers are all new published by Microsoft Official Exam Center: http://www.lead2pass.com/mb2-717.html
A. The user cannot create records using the Outlook client
Answer: A
A. a person who calls into the company after receiving a mass mailing advertisement from your company
Answer: D
A. close the opportunity as Lost
Answer: B
A. You must manually change the activity state to Canceled.
Answer: A
A. Prospect
Answer: D
A. Relationship Insights with Email Engagement
Answer: D
A. Share only the views with the team.
Answer: D
A. Goals will automatically set the date range to match the new fiscal periods.
Answer: A
A. Once Power Bl is enabled for the organization, a complete Power Bl Dashboard can be added as a personal dashboard.
Answer: BD
A. Create quarterly and annual goals for each sales person, with an annual parent goal for you.
Answer: A
Suggestion, read MB2-717 questions carefully try to understand or guess what they're asking for. Hope everyone passes.
MB2-717 new questions on Google Drive: https://drive.google.com/open?id=0B3Syig5i8gpDaVI3amVhWjhZOEk
2017 Microsoft MB2-717 exam dumps (All 65 Q&As) from Lead2pass:
http://www.lead2pass.com/mb2-717.html [100% Exam Pass Guaranteed]
Post date: 2017-05-17 08:13:29
Post date GMT: 2017-05-17 08:13:29
Post modified date: 2017-05-17 08:13:29
Post modified date GMT: 2017-05-17 08:13:29
|Powered by [ Universal Post Manager ] plugin. HTML saving format developed by gVectors Team www.gVectors.com


text:
Parents like to believe that the advice and counsel they provide their children, from cradle to adulthood, will be the most important inputs those children will ever receive from the world. Overwhelming evidence, however, suggests otherwise.
While it is certainly true that parents are the primary learning resource for infants and very young children, other influences begin to emerge with the onset of social interaction outside the immediate family. Foremost among those influences, of course, is the peer group, the playmates, friends, classmates, and teammates who spend far more time together than with parents, beginning at age four or five. Thereafter, as exposure increases, peer influences play an ever more critical role in the development of the child's worldview, attitudes toward others and toward learning, and motivation to achieve.
The elementary and secondary school years are especially impressionable for most children and young adults. Ways of being continue to be nuanced through the college years, so it is fair to say that peer group influences – sometimes pejoratively called "peer pressure" – dominate the mentoring process from kindergarten onward for most children. The message? Parents can actually have most influence by guiding, even selecting, the peer environment in which their children will continue to grow for many years.
Often, parents have little choice about the community in which they live or the public school district in which their children will be expected to succeed. However, when there are options, parents should exercise those options fully. If a school change is needed to change peer influences, that might be a lifesaver, in spite of the appearance of political incorrectitude from some quarters. A change to an independent school, particularly for the secondary years, may be an even more beneficial decision. (The difference between a weak school and a good one is not so pronounced in the elementary years; there is simply not much academic rigor to be missed until kids reach the seventh or eighth grade.) Over many years of counseling families about educational choices, this writer has had to remind many of the need to make choices that are primarily in the interests of their children and immediate family. There is no point, and no value, in chasing approval in the court of public opinion.
Children learn more from their peers than from any other combination of sources. Parents, be advised:
Your children are not likely to prosper beyond the aspiration levels of their immediate peer community. When that community is robust and stimulating, however, wonderful outcomes become probable.
Related articles
- Kids Dealing With Peer Pressure (everydayhealth.com)


text:
Where to Purchase Black Ant Male Enhancement: the Ultimate Convenience!
Many men think that penile enlargement products having an all-natural origin are something like Viagra. Even superior news really is, the quality of penile enlargement supplements have become very higher quality due to the overwhelming demand in their opinion. You can find on-line black ant pills at quite reasonably priced price from our on-line store. It is going to answer each of the essential questions that can help you decide which product provides an even more satisfactory solution. It generally does not must be said that it's the African folks who are poor."
Black Ant does not have any harmful side effects and normal use can benefit and protect general health. You must remember, it's the ingredients within the tablet that is certainly causing a rise in size. This definitely is an all-natural product which doesn't have any known side effects. The product comes in a handy mousse form and a topical lotion for easy application. They did this to be able to make it appear like the 3 activists strived to plant the mine, and accidentally activated the gadget.
There are various types of Rogaine on the industry which are suggested to be used by men and women. This product is designed to promote hair development and protect against future hair thinning. Luckily, there are a number of supplements, shampoos, and products accessible on the market today which are effective at preventing, treating and reversing hair loss in men and women. I've tried to discover similar products but was not profitable.
Part of the general increase is because of population growth. In truth, it truly is difficult for Middle-class Africans to co-operate in just about any area endeavor. It assists in raising the sperm count. Any issue with the circulation will lead to erectile dysfunction or possibly a similar sexual issue.
The following day I began doing pantyhose research and found lots of men love this exact same thing. You must be able enough to feel the stretch in the base of your own penis. For Woman if you're pregnant don't take this particular product. This will assist to rejuvenate and recharge the body.
Enhancement pills have a very straightforward function which is to enhance circulation and expand blood vessels throughout the entire body, for instance, male genitalia. You're able to however apply these pills in combination with a fitness program or even a penile enlargement extender. This is actually the major difference between herbal enhancement products and also the blue pill. Due to this, many manufacturers are offering a whole penile enhancement package, including exercises and extender devices. Numerous research have proven it.
More than a few individuals are skeptical in regards to the usage of all-natural aphrodisiacs like Black Ant sex capsules. The supplement is reportedly all natural, containing several pure and powerful herbal extracts. Natural aphrodisiacs enhance the circulation and boost the circulation of blood to male reproductive organs.
There are several misconceptions about penile enlargement pills which have spread like wildfire through the entire Internet. Herbal penile enlargement formulas are somewhat more popular than prescriptions like Viagra, mainly due to price, but in addition as a result of fact they are all natural and have a tendency to have less side effects than prescription drugs. Men that are on almost any nitrate medication ought to avoid utilizing the blue pill. Individuals who are already on a particular medication should consult their physician prior to taking Viagra. There are a few indications that such approaches are now being discovered and utilized. There's almost no information that can be found about Schizandrol An and merely a few lab studies are conducted.


text:
Gemini Storm #6
$0.99 – $3.99
In the aftermath of the attack on the Hamilton Mansion, Elizabeth's urges are growing as she is unable to sate her blood lust. The government still refuses to lift the quarantine and the secret hand behind the monsters is preparing its plan B.
David Herbert, Harrison Wood, Mike Lail, Omi Remalante Jr
Standard Comic
Full Color
Page Count: 24
Order 5 copies or more and get 25% off on this book!
Great deal for re-sellers! (Discount shows up at checkout.)
What It's About
The city of Junessa has been in quarantine for the past ten years, trapped alone with thousands of monsters and no help coming. Only the rich and their staff have survived through safety in numbers. But hope is coming in the form of a mysterious man who seems to have found the key to ending the horror. But what happens when this hope seems to be insane?
Additional Info
Additional information
|2.618 oz
|8.5 × 0.112 × 11 in
Reviews (0)
There are no reviews yet.
Only logged in customers who have purchased this product may leave a review.