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ST Ship Changes. Azuma, Leone, Neustrashimy, Yahagi, Viribus Unitis
Italian Destroyer Leone, Tier VI.
The Smoke Generator is replaced with a similar consumable to the American Destroyer Farragut:
- Charges: 2 (Smoke Generator I) and 3 (Smoke Generator II);
- Cooldown: 240 sec (smoke Generator I) and 160 sec (smoke Generator II);
- Duration: 30 sec;
- Smoke dispersion time: 118 sec.
Leone guns rotate quite slowly and do have not the best aiming angles. These disadvantages will remain the distinctive characteristics of the ship, but the improved parameters of the smoke screen compensate for them and allow the destroyer to effectively utilize the main calibre guns in battle.
Changes to main battery:
- Increased initial shell velocity from 750 to 850 m / s and improved ballistics;
- Increased maximum AP shell damage from 2000 to 2100.
This Italian destroyer had very specific ballistic parameters, that reduced the effectiveness of firing at long ranges to almost zero. These new characteristics will alleviate this issue.
Soviet Destroyer Neustrashimy, Tier IX.
The main battery can now rotate 360 degrees, allowing Neustrashimy to be more effective in battles while manoeuvring.
Torpedoes replaced by more powerful ones, emphasizing the role of Neustrashimy as a torpedo destroyer:
- Cooldown reduced from 131 seconds to 125 seconds;
- Maximum torpedo damage increased from 14 600 to 17 933.
Japanese Cruiser Yahagi, Tier V.
Added consumable "Engine Boost" in a separate slot;
Reduced rudder shift time from 7.4 to 5.1 sec;
Torpedoes replaced with new ones:
- Range increased from 10 to 12 km;
- Torpedo speed reduced from 67 knots to 60 knots;
- Detectability range has been reduced from 1.7 to 1.6 km;
- Maximum damage reduced from 20 967 to 17 233.
The main problem with the torpedoes of Yahagi are the restricted firing angles. In the new concept of the cruiser, we decided to focus on them, compensating for this disadvantage with the ability to launch torpedoes whilst remaining undetected, and increasing manoeuvrability.
Changes to main battery:
- Increased initial shell velocity from 825 to 850 m / s;
- Improved penetration of AP shells.
The previous shells of the cruiser were very weak and could not penetrate the armour of similar ships. The replacement shells fix this issue and increase her effectiveness in combat.
"German" Battleship Viribus Unitis, Now Tier V.**
The ship has been moved to level V. The set of characteristics of the Viribus Unitis, and in particular the excellent armor, made it overly effective at tier IV.
Characteristics have been adjusted to the following:
- The firing range of the Secondary Armament has been increased to 4 km;
- Detectability range increased 10.8 to 12.5 km, when firing smoke from 8.4 to 9.54 km;
- Firing range increased from 14.7 to 16 km;
- Sigma is increased from 1.5 to 1.8;
- Main battery turn time reduced from 60 to 45 seconds;
- Main battery cooldown reduced from 32 to 30 sec;
- Increased AP shell fuse time up to the standard value 0.033;
The ship still retains it's comparatively low visibility and with the adjusted values of the main battery she will be a worthy adversary at her new tier.
Japanese Cruiser Azuma, Tier IX.
Cruiser moved to tier IX. This reallocation will allow the ship to feel more comfortable in battle.
Certain values have been adjusted to reflect the tier change:
- Secondary Armament firing range reduced to 5 km;
- Hit points reduced from 71 800 to 58 350;
- The armor of the central section reduced from 30 to 25 mm, as this was a special feature of the ship at tier X;
- Removed consumable "Hydroacoustic search";
- Main battery reload increased from 18 to 20 sec;
- Accuracy has been changed to resemble that of standard cruisers (such as the Dm. Donskoi or Roon) instead of 'super' cruisers.
The removing of the "Hydroacoustic search" consumable will emphasize the role of destroyers as one of the main opponents of large cruisers.
At the same time, the new accuracy parameter will distinguish Azuma from other similar cruisers (Stalingrad, Kronshtadt, Alaska), giving the cruiser a feature of Japanese cruisers - good accuracy compared to her classmates and rivals.
|IMPORTANT! Because these Ships are still being tested, the information in this Article is tentative and reflects the state of game development at the time of its publication. Changes and new features may be removed entirely or implemented differently by the time the update goes live. Screenshots, specific values of certain characteristics, and details of in-game mechanics will not necessarily be relevant after theses Ships are released.


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Today is the 1st day I've got a sweatshirt on as I type this quick update out for you. We've held off on the furnace but sooner, rather than later, that furnace is going to get switched on. Much colder weather coming later Thursday night into Friday…and we'll bottom out Saturday and perhaps Sunday morning with a frost/freeze in the region.
I'm also expecting more showers tomorrow and rain on Thursday into Friday early AM…then a nice stretch of fall weather again…as a matter of fact from Saturday on we look pretty good with chilly mornings and more nice fall afternoons. A lot of hay will probably get cut next week I would imagine.
The frost/freeze for the weekend will likely mark the end of the growing season for some of the area. I wanted to get some perspective on the corn/soybean situation yesterday because I noticed the harvesting over the weekend especially on my trip back and forth from St Louis. I also saw this report from yesterday regarding the crop nationwide…and it wasn't so great, especially the farther north into the country you go.
Obviously the majority of this is because of the terrible spring weather…wetness and cold…that gripped many parts of the eastern 2/3rds of the country.
This was from Successful Farming…
"Many farmers continue to wait on the sidelines to get into the fields. With freezing temperatures, heavy snowfall, and high winds set to hit the northern Plains this week, the corn in North Dakota is only 22% mature vs. a 75% five-year average, according to Monday's USDA Crop Progress Report."
So when you see this forecast…
and this one off the EURO ensembles for total snow through Saturday…you can see why farmers up there are so frustrated…
The storm that will affect them and indirectly us (with the colder weather) is still a long ways away…
For the folks up there this brings back memories of a devastating early October blizzard…back in 2013 that decimated many of the cattle in the western Dakotas…some areas had almost 5 FEET of snow…in early October! Rapid City had a 2 day total of 23″. They ended up with 75″ of snow that winter (including that 23″ in early October).
So heavy snow with blizzard conditions are increasingly likely up there…for us it's a delivery of really cold weather.
As a matter of fact…looking at the coldest temperatures for the 12th…the record is 28° back in 1909. Don't think we get that low…but it's not out of the question.
So how does this affect our farmers locally…I heard from Kelly Christopherson Bertz yesterday and she relayed this situation to me…
"We farm Joe and it's less the effects on the corn (you're correct, it's being harvested as we speak), it's the late planted soybeans. Quite a few of those acres need a 'typical frost/freeze' time frame to add some extra growing time. The further north in the viewing area you go, the later those soybeans were planted so they're needing time that they aren't going to get. Yields were going to be lower due to the later date and wet conditions anyway, this is just salt in a wound at this point. Thanks for adding the agricultural aspect to your weather forecasts! I really appreciate what you do!!!"
The flip will be typical of fall really…we go from these anomalies on Thursday…
to these on Saturday morning..
That's a solid 10-15° below normal anomaly on Saturday morning…and with normals now 70°/49° you can see why at least frost is expected and since many areas are colder than KC…freezes are likely as well.
Gardeners take note of this.
Our feature photo comes from Taneka Cusick out in Kingsville, MO

subset: commoncrawl


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October 24, 2017
As a safety manager, you know that your greatest asset in creating a healthy, safe working environment is your team. In the office and on the worksite, they are your eyes and ears, and the ones charged with carrying out proper safety procedures. Your company's commitment to safety depends on them.
This is why it's so important for members of your team to know they can speak up when they see something dangerous taking place. Whether it's reporting near misses, getting involved in developing safety policy or taking advantage of a whistleblower policy, you want your team to feel they have a voice and a role to play in creating a safe work environment.
Here are a few ways you can empower your employees to speak up.
Dispel fear of repercussion
One of the biggest barriers to speaking up about unsafe practices is the fear of repercussions. Employees sometimes fear that if they criticize colleagues, managers or the company's practices in general, they will be reprimanded or removed. That's a terrifying thought for an employee, especially since some may have had experiences in previous work environments that reinforced that mentality.
It's important that you actively dispel any fears by creating a culture of openness, and by demonstrating that speaking up is welcome and won't be punished. At safety meetings, talk about concerns that have been raised. During employee reviews, directly ask if they've witnessed anything that concerns them and reward employees for coming forward.
Of course, even if you've demonstrated that speaking up won't be punished, some employees may still be nervous to do so. For this reason, you should make it possible to report unsafe practices confidentially. This can be done via an anonymous web form on your website or employee web portal, by providing a confidential toll-free number, or by contracting a third-party confidential reporting service.
Team building
Another barrier to speaking up is apathy. Some employees simply don't feel invested enough in their job or their workplace to bother reporting a near miss or questionable practice. An employee who feels strongly connected to their workplace and their team is more likely to keep it safe and take pride in upholding high standards.
Engage in team-building exercises such as turning safety training and reporting into friendly team competitions. For example, for each near miss an employee reports, enter their name in a draw for a monthly prize. This will encourage everyone to practice safety, and to report others who don't without feeling badly about it.
When they raise a concern, act on it
If you want your employees to feel like they are empowered to speak up when they see unsafe behaviour or working conditions, you have to show them that their efforts are not in vain. If they raise concerns and you either dismiss them immediately, or promise to act but never follow through, they will learn that they are wasting their time. If you want your employees to speak up, take it seriously when they do—even when it's a small matter. And if their concern doesn't warrant any changes, still follow up, explain the investigative steps you took, the conclusion you came to, and thank them for bringing the matter to your attention.
Foster a culture of health and safety above all else
Safety culture starts from the top. If you want your employees to take safety culture seriously enough to report unsafe practices, you need to demonstrate on a daily basis, through your words and actions, that you take it just as seriously. Tell them about safety improvements that you've made, praise them for safe behaviour and demonstrate to them that you will refuse to engage in unsafe practices, even if a paying client is pressuring you to do so. Humbly admit to your own mistakes to demonstrate transparency and accountability. Keep your whistleblower policy and confidential reporting contact information posted prominently and visibly, as a reminder that safety is part of the culture in their work environment.
Field Relay helps companies access their safety activities, practices and procedures on the jobsite and in the field. Imagine your safety manual online and completely searchable by keyword. Manage and record your toolbox meetings, field level hazard assessments, near misses, incident reports and SDS (MSDSs). All on your mobile device. Hello, paperless jobsite.


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Synonyms for flapjack
SWAP flapjack IN A SENTENCE
Join our early testers! See how your sentence looks with different synonyms.
We have been disappinted three or four times and had to be contented with flapjack.
Langdon bit rabidly at a flapjack and beat the earth with his heels.
She could heft a bar'l of flour as easy as I can flirt a flapjack.
"Slim Travennes," replied the proprietor, flopping a flapjack.
I ought not to be hungry; I tried to toss a flapjack, but it got stuck to the pan.
"Flopping like a flapjack," Lents commented as he watched the shifting vista.
I baked the first flapjack and tossed it out of the pan over my shoulder.
The gold seemed to be right at the grass-roots, as Flapjack had said.
Seems to me I ought to be the one to file on them claims, Flapjack said slowly.
You couldn't digest a flapjack on anything smaller than South America.


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2 Items
Trump's Data Gurus Are Now Turning Their Attention To Your TV
NewsPublication Date: 2017-11-15
Cambridge Analytica, the Anglo-American data and behavioral science firm that worked for Ted Cruz and Donald Trump–and that sparked an investigation in the U.K. and inquiries by U.S. lawmakers–has announced two initiatives in the past year that highlight some of the newer techniques in targeted advertising and the complex relationships that surround them. advertisement Since last year's presidential campaigns, the company has sought to expand further into targeted, or addressable, TV, an em...
Cambridge Analytica files for bankruptcy amidst "siege" of negative attention | Ars Technica
Cambridge Analytica LLC, the American arm of the London-based data analytics firm of the same name, filed for bankruptcy in federal court in New York on Friday. The company submitted a voluntary formal petition for Chapter 7 bankruptcy—liquidation. That document reveals the company has between $1 and $10 million in debt with very little assets. On May 2, SCL Elections Ltd. and its other British affiliates filed similar "insolvency" documents with UK authorities. It was revealed last month t...


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1911 Encyclopædia Britannica/Peterborough and Monmouth, Charles Mordaunt, Earl of
PETERBOROUGH AND MONMOUTH, CHARLES MORDAUNT, EARL of (c. 16 58-1 73 5), English soldier and statesman, was born about 1658. His father, John Mordaunt, was created Viscount Mordaunt of Avalon and Baron Mordaunt of Reigate, Surrey, in 1659,1 his mother was Elizabeth, the daughter and sole heiress of Thomas Carey, the second son of Robert Carey, 1st earl of Monmouth." He matriculated at Christ Church, Oxford, on the 11th of April 1674. When about sixteen years of age he joined Sir John Narborough's fleet in the Mediterranean, and won his first distinction in arms in the destruction of the dey's fleet under the very guns of Tripoli. His father died on the 5th of June 1675, and Charles Mordaunt succeeded to the peerage as Viscount Mordaunt. On his return from the second expedition to Tangier he plunged into active political life as a zealous Whig and an unswerving opponent of the duke of York. But his continued hostility to James II. forced him to repair to Holland in 1686, when he proposed to William of Orange to invade England. The disposition of the cold and cautious William had little in common with the fierce and turbulent Mordaunt. His plan was rejected, though the prudent prince of Orange deemed it judicious to retain his services. When William sailed to Torbay his friend accompanied him, and when the Dutch prince was safely established on the throne of England honours without stint were showered upon Lord Mordaunt. He was sworn of the privy council on the 14th of February 1689, on the Sth of April of the same year appointed first lord of the treasury, and a day later advanced in the peerage by creation as earl of Monmouth.
In less than a year he was out of the treasury, but he still remained by the person of his monarch and was with him in his dangerous passage to Holland in January 1691. He was one of the eighteen peers who signed the protest against the rejection, on the 7th of December 1692, of the motion for the appointment of a committee to inquire into the conduct of the war, and although William had refused his consent to a bill for triennial parliaments in the previous session, Lord Monmouth did not shrink from reintroducing it in December 1693. This led to a disagreement with the court, though the final breach did not take place until January 1697, when Monmouth was accused of complicity in Sir John Fenwick's conspiracy and of the use of " undutiful words " towards the king. He was committed to the Tower, staying in confinement until the 3oth of March 1697, and deprived of his employments. Some consolation for these troubles came to him on the 19th of June of the same year, when he succeeded to the earldom of Peterborough, by the death of his uncle Henry Mordaunt, 2nd earl. The four years after his release from the Tower were mainly passed in retirement, but on the accession of Anne he plunged into political life again with avidity. His first act was to draw down on himself in February 1702 the censure of the House of Commons for the part which he took in the attempt to secure the return of his nominee for the borough of Malmesbury. Through the fear of the ministry that his restless spirit would drive him into opposition to its measures if he stayed at home, he was appointed early in 1705 to command an expedition of IA barony of Mordaunt by writ had existed in the family since 1529, and the viscount was the second son of the fifth of these barons, who in 1628 was created earl of Peterborough, the elder son Henry being second earl
2 Cr. 1626. This peerage became extinct in 1661 on the death of the 2nd earl.
English and Dutch troops in Spain. He was created the sole commander of the land forces in April 1705 and joint-commander with Sir Cloudesley Shovel of the fleet on the 1st of May, after he had been reinstated a member of the privy council on the 29th of March. He arrived at Lisbon on the zoth of June 170 5, sailed for Barcelona (Aug. 1705) on an expedition for the conquest of Catalonia, and began to besiege that town. For some Weeks the operations were not prosecuted with vigour and Peterborough urged that the fleet should transport the troops to Italy, but the energetic counsels of the Archduke Charles at last prevailed and by the 14th of October the city fell into his hands. On the 24th of January 1706 he entered Valencia in triumph, but these movements had weakened the garrison at Barcelona, which was now besieged by a superior French force under Tessé. The garrison, commanded by the archduke, defended their positions with great bravery, but would have been obliged to surrender had not the fleet of Sir John Leake, answering the appeals of Charles but contrary to the original orders of Peterborough, come to their assistance on the 8th of May, whereupon the French raised the siege on the 11th of May. It is difficult to understand the action of Peterborough during this campaign, unless on the supposition that he was out of sympathy with the movement for placing an Austrian prince on the throne of Spain. When Charles determined upon uniting with Lord Galway's troops and marching to Madrid, the advice of Peterborough again hindered his progress. At first he urged an advance by Valencia as supplies had there been collected, then he withdrew this statement; afterwards he delayed for some weeks to join Galway, who was in need of succour, but ultimately reached the camp on the 6th of August. The leaders of the army differed in their views, and Lord Peterborough was recalled to England to explain his conduct (March 1707).
On his return to England in August he allied himself with the Tories, and received his reward in being contrasted, much to his advantage, with the Whig victor of Blenheim and Malplaquet The differences between the three Peers, Peterborough, Galway and Tyrawley, who had served in Spain, formed the subject of angry debates in the Lords, when the majority declared for Peterborough; after some fiery speeches the resolution that he had performed many great and eminent services was carried, and votes of thanks were passed to him without any division (January and February 1708). His new friends were not desirous of detaining him long on English soil, and they sent him on a mission to Vienna, where he characteristically engaged the ministry in pledges of which they disapproved. His resentment at this disagreement was softened by the command of a cavalry regiment, and by his appointment as a Knight of the Garter (Aug. 3 and 4, 1713). With the accession of George I. Lord Peterborough's influence was gone. Worn out with suffering, he died at Lisbon on the 25th of October 173 5. His remains were brought to England, and buried at Turvey in Bedfordshire on the 21st of November. Lord Peterborough was short in stature and spare in habit of body. His activity knew no bounds. He was said to have seen more kings and postilions than any man in Europe, and the whole point of Swift's lines on " Mordanto " consisted in a. description of the speed with which he hastened from capital to capital. He was eloquent in debate and intrepid in war, but his influence in the senate was ruined through his inconsistency, and his vigour in the field was Wasted through his want of union with his colleagues. His first wife, Carey, daughter of Sir Alexander Fraser of Dores, Kincardineshire, died on the 13th of May 1709, and was buried at Turvey. Some years later (1722) he secretly married Anastasia Robinson (c. 169 5-1 7 5 5), a famous dramatic singer (from 1714) of great beauty and sweetness of disposition, daughter of Thomas Robinson (d. 1722), a portrait painter; but she Was at first unrecognized as his wife, and lived apart from him (regarded merely as his mistress) with her two sisters at Parson's Green. She remained on the operatic stage, till 1724. It was only a few months before his death that (after a second marriage ceremony) she was introduced to society as the countess of Peterborough. He had a son John (1681–1710) who predeceased him, and was therefore succeeded in the t1tle by his grandson Charles (1710-1779), whose son Charles Henry (1758–1814), 5th earl, died unmarried, the honours becoming extinct, except for the barony of Mordaunt which passed to a collateral branch and fell into abeyance in 1836.


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Erratic monsoon rain and rapid urbanisation are making the Indian summer hotter and more humid, especially in Mumbai, Delhi and another 23 cities that have a combined population of 116 million people.
The findings are from an analysis of temperature and humidity levels recorded at 283 weather stations between 1951 and 2010. The study conducted by the Pune-based Indian Meteorological Department (IMD) and Indian Institute of Tropical Meteorology found an increase in heat index that measures human discomfort at particular temperatures. The index has risen by 0.56 degree Celsius on an average every decade during summer, and 0.32 degree Celsius a decade in monsoon.
Human activities such as urbanisation and release of heat-trapping greenhouse gases from industries, vehicles, biomass burning, are creating islands with ambient temperatures that are often higher than surrounding areas. "During monsoon, temperatures are rising due to a break in rain, short but heavy spells of rainfall, and more dry days. As the atmosphere warms, its ability to hold moisture increases, and this translates into increased stress on the human body," said AK Jaswal, lead investigator, IMD.
"Pollutants in the air during summer absorb water vapour, thereby contributing to the rise in humidity along with high temperature." Among the cities studied, 22 recorded a significant increase in summer heat index with 14 cities seeing an increase between 0.51 degree Celsius and 0.95 degree Celsius a decade.
For Mumbai, the average heat index in 60 years is 41.2 degrees Celsius, putting it in the "very hot" category between 41 and 54 degrees Celsius that triggers ailments such as cramps, exhaustion and heat stroke from prolonged exposure or physical activity. The average for Kolkata, Chennai and Vishakapatnam is 47.7, 49.5 and 50.4 degrees Celsius. In 10 cities, monsoon has become hotter, with the heat index increasing between 0.53 degree Celsius and 0.77 degree Celsius every 10 years. The average recorded in Delhi, Kolkata, Chennai and Amritsar was 47.6, 47.4, 49.9, and 49.8 degrees Celsius. The study, researchers said, can be used by policy makers to plan disaster relief.
Source: HindustanTimes


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Assam additional chief secretary VB Pyarelal on Tuesday will conduct the hearing of the Silapothar clash where a section of rally participants representing a Bangla-speaking organization ransacked a local AASU office a couple of days back.
The hearing will take place at the Silapothar Gaon Panchayat office from 10.30 in the morning to find out the details of the incident where at least ten local youths sustained injury.
Police have arrested at least 25 in this connection while identified as Soobodh Biswas, the main culprit is still absconding.


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News and Media
News & Media
October 14, 2009
ENDORSEMENT: Delegate 23rd District – Shannon Valentine
The Virginia Coalition of Police and Deputy Sheriffs (VCOPS) proudly announces its endorsement of Shannon Valentine for Delegate in the 23rd District.
Since its inception, one of the primary goals of VCOPS is to work at the state level to elect leaders and pass legislation that ensures our members can carry out their duties efficiently and safely. This can only be accomplished through tough laws; tougher penalties and insuring our officers have the best tools available to fight crime. In addition, we remain resolute that Virginia continues to hire and retain only the best candidates in the public safety community, through competitive compensation and benefits. Over the past two decades, VCOPS has been very proud of achieving our goals through the passage of this type of legislation. Without the efforts and strong support of legislators like Shannon Valentine, we could not have been as successful in our efforts. It is for that reason that we ask our membership and the citizens throughout the Commonwealth for their support in re-electing Shannon Valentine as Delegate for the 23rd District.
VCOPS will continue to endorse any candidate that will help to improve public safety throughout the Commonwealth of Virginia, both for its citizens and for the brave men and women who protect them on a daily basis.


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Pension Funds Second Amendment Bill: hearings
Finance Standing Committee
24 August 2001
Meeting Summary
A summary of this committee meeting is not yet available.
Meeting report
24 August 2001
Chairperson: Ms Hogan
Business South Africa submitted that the Bill should not require any retrospective enhancement of benefits paid out in the past. The full transfer value did not have to be transferred. The Bill should facilitate repatriation of the surplus to the employer. Such repatriation would generate company tax for the government.
Business South Africa submission
BSA was represented by Mr Shipman (convenor of task team participating at Nedlac), Mr Lamprecht (BSA chairperson), Mr Shefler (an actuary and former head of employee benefits at a large insurance company) and Mr Van Wyk (Executive director at Rembrandt). BSA is an umbrella body of employer organisations that submitted their mandated position.
Mr Lamprecht stated that their submissions are made on a basis of principle and concept to assist in making difficult judgment calls. He said that South Africa is a country of opportunities and has great potential. The BSA only recently received the Regulations so this presentation is based on the broad principles in the Second Amendment Bill.
Mr Shipman spoke on the retrospectivity of the Bill and said that employers were never compelled to provide retirement benefit funds but that 70% of all formally employed South Africans were members of retirement funds. This compares favourably with developed countries.
Giving the background of the Defined Benefit (DB) fund, he said that it was inherited from the UK. It was good if you had a long term of service but bad for withdrawal benefits. The employer funded the balance of the cost either by way of percentage of salary or balance of contributions. In new funds with young members the employer need not pay any contributions whilst with the older funds with older members (where the liability was high), the employer paid four to five times more than the member. He said that inflation increased investment yield and therefore, there was an investment surplus. He said part of this surplus was used for the improvement of benefits but were at no time compelled to.
Transfer values equalled the value of a promise and did not reflect accumulated contributions or the value of assets. At all times what the member was entitled to was transferred and thus the transfer values were not manipulated.
He submitted that there is a great risk in dealing with surplus by trying to force it into the mould of a Defined Contribution (DC) fund. This would be inappropriate because defined benefit funds were governed by the law of the time.
Mr Lamprecht continued and said that the nature of a DB find is different from a DC fund and one cannot impute characteristics of the DC fund retrospectively to the DB fund. With the DB fund the promise is underwritten. If one is able to fulfil the promise, the employer does not need to contribute. But if the promise cannot be fulfilled, then the employer must contribute. He submitted that it was impossible to marry the two schemes retrospectively and that this is not good governance.
It was the view of the BSA that the Bill goes beyond the record-keeping period and that this undermines confidence and legal certainty. He made the point that there must be legal certainty for investment and that retrospectivity has negative consequences.
One of the main points made by Mr Lamprecht is that the consequences will be great and therefore one cannot just go ahead without examining these consequences. It was possible that the Bill could cause employer contributions to increase significantly. If this should happen it would reduce company profit - but this is not the major problem as the loss in profit can be rectified over time. However, a dangerous consequence would be the immediate devaluation of many companies.
He said that there are many operational principles that need to be looked at. The Bill is not clear what would happen if members were not alive. The question of their dependents is not addressed. Also, many business transactions have taken place. When there has been a merger or a purchasing of a company, a due diligence report was performed which included assessing the liability of the DB fund. The extent of the liability would have an impact on the purchase price. He questioned how this would be addressed.
Mr Lamprecht again said that the extent of the problem is a question of scale. The BSA feels that the problems are of a large scale and that calculations need to be done.
Mr Shipman continued and said that a codified list of the uses of the surplus should be enacted. The arrangement in the Bill was too restrictive. The surplus should be available for contribution holidays because this is in the nature of DB funds. It is not clear why the employers must wait to access the surplus until the fund is wound up.
Mr Van Wyk said that a committee in the UK had looked at the pension fund industry and more particularly at the use of the surplus. They found that sweeping changes in the law concerning the use of surplus were not needed. He agreed with the need for minimum benefits and for inflation rate related benefits. One has to keep in mind that the pension fund industry is not a static object and changes all the time.
BSA believes that to introduce practices that were not an obligation in the past, was contrary to international practice.
In the past nothing in the law compelled the employer to top-up. Employers seldom walked away from the fund and only did so when they themselves were in a dire financial position.
The BSA is not happy that the Bill compels employers to fund the deficit. Mr Van Wyk said that the deficit can be for a number of reasons and to give unlimited liability to the employer when it did not control the investment decisions is a huge problem.
Mr Van Wyk said that South Africa should not create something new and that the surplus should be repatriated to the employer. Such repatriation would generate company tax for the government.
Mr Shipman addressed two issues in the draft Regulations:
- BSA was troubled by Regulation 2 dealing with the so-called improper uses of the surplus. The law should not characterise something as unlawful that was legitimate in the past. The BSA proposes that Regulation 2 be deleted.
- BSA believes there is a drafting error in Sub-regulation (1) which stipulates that the trustees must identify all transfers. BSA was of the opinion that only significant transfers would be targeted. If the regulation remained as is, it would be burdensome on the trustee.
Mr Sheffler continued the presentation and proposed that the apportionment share principle should apply for early leavers as opposed to full market value appreciation as is proposed by Labour. If one went the market value route, it would increase the cost and risk. It would also render ineffective the use of the surplus to protect job loss because the surplus first needs to be allocated to a member, which means that it cannot be used if the employer is in financial trouble. Full market value appreciation will be destabilising because the surplus will fluctuate from year to year. He submitted that it was not true that the employer benefited from the surplus. Also, the sustainability of a DB fund was based on being fair to those people who remained in the fund and not those who left the fund. The DB funds were in fact designed this way. It was not the preferred fund but something South Africa had inherited.
He ended by saying that there was no legal or moral basis to force employers to make good the deficit.
Ms Hogan commented that she had not expected the BSA to submit that there is no legal or moral basis to correct the past. She quoted from submissions and said that Mr Murphy had submitted that actuaries, working for employers, had restructured funds from DB to DC and repatriated the surpluses to the employers. She said that an impartial view would have to conclude that an injustice has been done. She understood the BSA view on the dangers of retrospectivity but could not understand how the BSA could state that there is not any legal or moral basis when a clear injustice had been done.
Mr Lamprecht said that the BSA was not here to justify harsh cases of the past. If the transfer values were fairly calculated and in accordance with the rules of the fund, there is no problem. If there is now a new way of calculating the transfer values, then the consequences are huge.
Ms. Hogan wanted more clarity on the scale of the consequences and if investigations had been done.
Mr Lamprecht said that BSA had only received the regulations that day and from what they see, the scale of consequences is huge. If the scale is smaller, then the risks inherent in the system are smaller.
Mr Andrews (FSB) said the FSB had limited research from the funds themselves but the FSB felt that what the Bill envisages is affordable. Also, only the existing surplus will be used to redress the past and employers will not have to put in a whole lot of money.
Mr Nene (ANC) wanted to know what the cause of the surplus was in the view of the BSA and whether the full value should have been transferred.
Mr Shefler said that the BSA agrees with all the submissions of the Actuarial Society in respect of the cause of the surplus. He said that the full transfer value did not have to be transferred.
Mr Lamprecht said that the move from the DB fund to DC fund was instigated by Labour. If the moved occurred when under-funded, then the employer had to make good the difference. But at all times the full entitlement was transferred.
Mr Andrew (DP) asked if it was correct that if a DB fund has a depleted surplus brought about by unscrupulous employers, even then that employer would not contribute. Also was it correct that if a DB fund has a surplus and the employer gave a fair transfer value, as the fund has a surplus after transfer to a DC fund, the employer will contribute as this Bill only deals with surpluses and not deficits.
Mr Masilela (Department) said that the Bill is trying to avoid turning a surplus into a deficit. Therefore the Bill only looks to distribute the funds if there is a surplus amount. There was a view that funds with no surplus or having a deficit are in that position because of contribution holidays and improper use of the surplus. If improper uses can be identified, then the employer must make good the shortfall. The Bill takes this approach to prevent an imbalance in the industry.
Mr Andrews (FSB) asked what should happen to the surplus according to the BSA?
Mr Shefler replied that the members of the BSA wanted legal certainty in respect of the surplus. He said there is no mandated view in respect of the surplus because the view has not been sought from BSA members.
This answer was at odds with BSA's earlier submission that the BSA wanted repatriation of the surplus to the employer. Ms Hogan said that the Committee needs to be clear on what the BSA's view is.
Mr Lamprecht replied that repatriation to the employer is the logical consequence of the DB fund because the employer needs this reserve to make good the liability in time to come.
Ms Hogan commented that each party making submissions is arguing with different perceptions in mind and therefore the Committee needs the technical information in relation to the number of funds, the number of members, the amounts of money etc.
The FSB said that there is very little technical information available.
Ms. Hogan asked for any technical information available to assist the Committee. The Chair then drew the session to a close, the BSA not having an opportunity to conclude.
The conclusion in the written submission to Parliament stated the following:
BSA does not support the bill as its approach differs from that in the Act in a number of fundamental respects. Not least of these is the fact that the Bill seeks retrospectively to create new rights and duties where they had not existed before.
As an alternative approach BSA submits that the Bill should not require any retrospective enhancement of benefits paid out in the past in terms of the legal arrangements existing at the time. Instead it should facilitate repatriation of the surplus to the employer and thereby allow the state to use its fiscal powers to tax the distribution of the surplus. The income so derived should then be used to the benefit of all previously disadvantaged persons by means of carefully targeted action.
[At the meeting COSATU handed out a written response to the submissions of BSA.]
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Aude graduated with Honors from the Université d'Auvergne School of Law (France) in 2012. She also completed her first Masters in Employment Law at the same university in 2014. On this occasion, she wrote her Masters thesis on Psychosocial risks at work in French and British law under the European law's influence. Respectively, she obtained a LL.M degree at the University of Glasgow in 2016 where she conducted research on Collective bargaining: a single European concept? – Comparative study France and United-Kingdom.
Since then, she has been a visiting scholar at the Max Planck Institute in European Legal History of Frankfurt (Germany) from November 2015 to July 2017. There, she worked on Lessons from the European OHS mobilisation in the 1970s to analyse the present challenges. She started her PhD at the University of Glasgow in October 2016, which is entitled, Towards a reform of European Union occupational health and safety law in context of crisis.


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NEW YORK (PIX11) — Family and friends will say their final goodbye to the city bus driver killed in a collision with a stolen truck in Greenwich Village.
A funeral service will be held Thursday for 49-year old William Peña.
He was killed last week when Tyson Beckford's nephew, Dominic Whilby, allegedly slammed into his bus with a stolen truck.
Both vehicles crashed into nearby scaffolding, killing Peña and injuring four others.
Peña's brother Eriberto, talked about his family's pain with the PIX11 Morning news.
To make a donation to Peña's family, visit http://www.WilliamPena.org.


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What Really Works
Within the past year, an increasing number of exercise and wellness trends have surfaced. Whether it be from a favorite social media influencer or Michelle Obama herself, it's hard to know what should be taken seriously and what's just a passing fad. Read on to find out what the experts are saying when it comes to daily fitness needs.
10,000 Steps
Studies show that taking 10,000 steps per day may not be as beneficial as people think. This is true for three reasons. One: It's not about the quantity of steps, but the quality. There's a difference between taking 10,000 slow, meandering steps and taking 10,000 fast-paced ones that get your heart rate going. Two: The definition of a "step" is too narrow. Fitness trackers have a hard time identifying activities like yoga and weight training – both of which can break you into a sweat in no time. Three: "10,000" steps is arbitrary in that it's just "a lot of steps." Depending on your fitness abilities and goals, you should adjust that number and the types of activities in which you reach it.
So where did 10,000 come from? It originated in the 1960s when a Japanese company started selling pedometers. They ended up naming the devices manpo-kei, which literally translates to "10,000-step meter." Studies later confirmed that individuals who take 10,000 steps per day have lower blood pressure, more stable glucose levels and better moods. So while the number is rooted in truth, it's better to take 5,000 strategic steps than 10,000 mindless ones.
30 Minutes a Day
Much like the 10,000 step theory, it's not about the quantity of exercise you get, but the quality. Thirty leisurely minutes on the elliptical show far different results than 30 minutes of high intensity interval training (HIIT) exercises that work your muscles to the limit. That's not to say exercising 30 minutes a day isn't good for you.
The CDC (Center for Disease Control and Prevention) suggests 150 minutes of exercise per week, or, 30 minutes a day. Studies have shown that someone who exercises 30 minutes a day has lower blood pressure and cholesterol and benefits from a higher muscle-to-fat ratio. The 30-minute recommendation is more so aimed at sedentary individuals looking to incorporate regular exercise into their daily life. After you've developed a routine, it's recommended adding increasing levels of intensity to build up endurance.
Weekend Warriors
For decades, health experts touted regular daily exercise as the best method for staying healthy. But studies suggest that those who exercise only on the weekends live just as long as those who spread their workouts throughout the week. Dubbed "weekend warriors," individuals who spend all 150 minutes of the recommended weekly exercise time between one to two sessions have shown to benefit from the same results as those who spread out that time over the course of the week.
While this new information may seem like an exciting loophole for individuals too busy to fit in daily exercise, only about 1-3 percent of American adults actually complete the recommended amount of time in one to two days. Additionally, the study did not take into account other factors like strength, blood pressure or weight control.
The best way of determining the right exercise plan for you is talking with your physician or a fitness coach. Take into account your current state of health, limitations and goals, and go from there.


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Shop Smart to Save More
Shopping. Is it a chore? Is it a fun challenge to find the best price for whatever item(s) are on our list? Regardless of how you view shopping, the strategies below may help you shop smarter, so you can put more into your savings account.
Grocery Shopping:
- Bring a grocery list with you rather than randomly selecting items.
- Combine coupons from Ibotta, Checkout 51, Grocery Pal and com. Look for and use mail-in rebates from manufacturers!
- Plan meals based on sale items in weekly grocery store ads. Flipp has access to weekly circulars from more than 100 stores!
- Use a calculator while you shop to track the total to stay within your budget.
- Ask stores for rain checks if a sale item has run out!
- Keep a list of items you are running low on to have time to purchase those items on sale.
Clothing Shopping:
- Discount retailers sell overstock and slightly imperfect items for a fraction of the cost!
- Shop at thrift stores for gently worn clothing at a discount!
- Understand price tags at outlet stores. If the high price is marked anything other than "Original Price," such as "Retail Value" and "Compared To," the item is probably made for the outlet store and often is lower quality.
- Retailers frequently sell out-of-season items such as swimsuits in December or winter coats in May at deep discounts!
- Purchase uniforms at discount stores.
- Gift Card Granny and CardPool sell unwanted gift cards for 10% - 15% less than face value!
Shopping Online:
- Before making an online purchase, copy and paste the name of the exact item into your web browser to comparison shop for the best price!
- Leave item(s) you are considering in your online shopping cart on the retailer's website for a few days and you may receive an email with a discount code!
- Use the web browser extension Honey to have the best coupon codes automatically applied.
- Check out Ebates, Swagbucks or TopCashBack for ways to earn cash back from online purchases!
- The best online deals tend to be offered Wednesday through Friday.
- Search online for free shipping discount codes or ship an item to the store and pick it up for free!
Eating Out:
- Order take out for just the entree and add a side salad and drinks from home.
- Eating lunch out is generally less expensive than eating dinner out.
- Share a meal. One person can order an entrée, another a salad and then share both dishes.
- Groupon and LivingSocial send daily emails with offers for local businesses including restaurants!
- Look for coupons for local restaurants on sites such as Valpak and SmartSource!
- Follow your favorite establishments on social media to see if they offer promotions or discounts!
For more tips and strategies to help you save, make a commitment to save and take the America Saves Pledge or text "AmericaSaves" to 877877.
Happy shopping!
- Written by Carolyn Pemberton
- Category: Blog
- Published: 05 June 2019


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Today was a rainy day and perfect for staying inside but instead I walked for the Arthritis Walk at Maryville College this morning. My processors are definitely going in the "dryer" tonight! I walked with some of my coworkers from work. My group (Alcoa Tenn Federal Credit Union) was the top fundraiser in our area for the walk and came in first place for the fourth year in a row! We usually walk around the loop three times but took a shortcut on the second round because the rain was pouring down so hard. The sound of the raindrops hitting my umbrella was pleasant and reminded me of the times I used to walk barefoot in the rain with my sister, Kathy, when we were younger.
We enjoyed our Virginia Tech visitors last weekend but they came and left too quickly. I spent the weekend cooking for them. We had pork chops on the grill, scalloped potatoes, homemade oatmeal rolls, hamburgers with the fixings, Brad's favorite cookies (Snickerdoodles), & Kathy's signature baked beans, just to name a few items. College boys love to eat! They were relaxed and glad to have a place to get away for a little while. The boys hung around and watched TV, went bowling with Marissa and Chris, and slept. Brad and his friends even came to church with me on Sunday, which was nice because they were able to thank everyone for their *Party in a Box.* The box had almost 80 pounds of food in it for them! Brad and the boys didn't say much about what happened but did say that the campus was "different" now and will never be the same. Many of the students took their grades they had at the time of the shooting and have already left for the semester, making the Virginia Tech campus seem like a ghost town. Brad says there are police everywhere. Most of his friends are done with their classes but are hanging around until the semester is over because they won't see each other this summer.
Our puppies are growing and getting more vocal all the time. It won't be long before they start climbing out of the box! Their eyes are open and they are trying to walk on all fours. I had a *CI moment* this past week with Riga. One of the things that my implants have allowed me to do is hear the dogs at the door when they want to come inside. When I put one of my processors on the other morning after my shower, I heard Riga barking. She wasn't in the hallway waiting for me when I opened the bedroom door. She never barks unless she needs to and it sounded like her "let me in now!" bark. My first thought was "Oh no! Someone left her outside all night long and forgot about her!" I ran to the laundry room to check on the puppies and there was no Riga. Opened all the doors going outside and still no Riga. I heard her bark again and this time I realized that she was in the basement. She had gone into Jason's room (probably to sleep on his bed for a little while) and apparently the door closed shut behind her, leaving her trapped inside! Jason's room is right below our bedroom, which explains why I heard her the first time. Those puppies had a feeding frenzy as soon as their mommy stepped in the box to check on them!
Last night Steve and I were talking about the difference between my CI's and my hearing aids. I don't ever have to wear another ear mold again and do not have to worry about my ears "whistling" like they did with the hearing aids. My ears don't hurt anymore because of the ear molds and I don't make *noise* at unwanted times with feedback from my ears. Those two things alone are HUGE. Also, having two CI's isn't any harder than keeping up with two hearing aids. I just have to change the batteries more often. We do not have a single hearing aid left in the house since I gave them all away. Steve said the next hearing aid that comes in the house will probably be his! And I'll have to help him hear! I told him that maybe by the time he needs a hearing aid, there might be a *mini-cochlear implant* available for him. Technology is amazing and who knows what the future will hold. . .
Saturday, May 05, 2007
Arthritis Walk
2 comments:
- Jennifer said...
I'm glad you enjoyed your guests...I still think about those kids so much :( I watched Bill Kurtis' special on A&E the other night...so sad :(
I like not having to wear an earmold, and I love the "no feedback"...I haven't gotten used to the heft of the processor, though...I wish Advanced Bionics had a "mini" like Cochlear does...someday, perhaps!
Love you!!
- May 06, 2007 8:46 AM
- Sam said...
I am with you re: the hearing aids! No more feedback! No more itching and irritation! Oh, and no more "messing" with a room full of people...in the old days, when pagers first came out, my HA would feedback and then the whole room would go for their pagers to see who it was...LOL!!
- May 09, 2007 5:25 AM
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Aluminium Bahrain B.S.C. (Alba), the Bahrain-based aluminium smelter, signed a Memorandum of Understanding (MoU) with International Bechtel Co. (Bechtel) to explore further opportunities of growth with Line 6 Expansion Project, which will result in Alba becoming the world's largest single-site aluminium smelter.
His Royal Highness Prince Salman bin Hamad Al Khalifa, the Crown Prince, Deputy Supreme Commander and First Deputy Prime Minister attended the MoU signing ceremony between Alba and Bechtel, which was held during the reception organised by the Bahrain Economic Development Board (EDB) in collaboration with American Chamber of Commerce and the U.S.-Bahrain Business Council on 30 November 2017 in Washington DC.
Other cross-sector trade agreements were also signed between Bahrain and U.S. companies during the reception.
The MoU was signed between Alba's Chief Executive Officer, Tim Murray and the Chairman and Chief Executive Officer of Bechtel Group Inc. Brendan P. Bechtel during the reception.
Speaking on this occasion, Alba's CEO Tim Murray said:
"Alba is one of the industrial cornerstones of the Kingdom of Bahrain. We are deeply committed to the Kingdom's Economic Vision 2030 and proudly partake in the development of the society in which we operate.
Alba and Bechtel have a long-standing business partnership. We are excited at exploring further opportunities with Bechtel, which will consolidate Alba's status as one of the most modern and largest single-site smelters in the world."
Bechtel currently is the Engineering, Procurement, and Construction Management (EPCM) contractor for Alba's landmark Line 6 Expansion Project.


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Because some people just want to read a single post with all their pop culture snippets in it, instead of following an entire website about it. Essentially: this is pop culture news for people with lives. Enjoy.
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text: When it comes to hacking, we're not quite sure where to start, so hopefully this documentary will enlighten us a tad. We're following the story of Anonymous, one of the world's most infamous hacking networks. This group of pranksters has evolved into a global force with far more radical intentions, most recently being associated with attacks on hundreds of targets. Meet the members, hear their stories and ask yourself, who, what, where, when and why?


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My First Days in the UK: Adjusting to Uni
Meet Loleini, one of our bloggers for the 2017-2018 academic year! Loleini is studying at Queen Mary University of London (QMUL).
Arrival in the UK
I'm here at last! I arrived in London several weeks ago to start my law degree at Queen Mary University of London. I stayed with family for a week before moving into accommodation at Queen Mary. I spent that first week shopping for household supplies, visiting family, and seeing a few places around the UK.
University Orientation
My London orientation was very different from what I had experienced in Canada. There were a number of "fresher events" run by the students' union and held around the city in partnership with other London universities. If you're looking for a big night out in London with the safety of being around other students, those are the events to be at. The University of London alone is made up of 18 different institutions. This city is crawling with students!
I had both an international orientation and an induction specifically from the law department. The law induction was helpful, but intense. We had a tour of campus, were given preliminary lectures on English law, and had sessions on how to qualify as a lawyer in the UK. In addition to all this information, we heard pitches from several student law societies and were encouraged to get as involved as possible. The amount of information and advice provided to us in those first days was extremely overwhelming. However, it was comforting to speak with other law students and hear that everyone was feeling the same way. It's great to remember that you're not alone. The professors in the department kindly reminded us not to panic, as well.
And of Course…
The part that I was most nervous about was the easiest of it all. I know everyone worries about making new friends, and I knew it was ridiculous to worry about it, but I still did. I worried that I wouldn't get along with my roommates and that I would be too old and boring for the other law students in the course, as I'm a mature student on the senior status program.
Predictably, the new friends I've met have been some of the best parts of the experience so far.
My roommates are fantastic (ridiculously captured below at the student bar together).
And I've met great people in my course. Thankfully, I discovered that I am neither old nor boring here. (Older and not boring friends pictured out in London together below).
Quick Recommendations for Future Students
- Avoid the stress and pay your tuition/any fees as soon as you can.
- I bought my household items at Primark, Wilco, and Argos. The latter does deliveries if you're concerned about bringing all your pots and pans on the tube.
- Eating dinner out in London is more expensive than in Canada, but I've found groceries to very affordable (especially Tesco and Aldi). Save money by cooking your meals.
- Try to worry as little as possible about making friends. You'll be just fine.
- If you get homesick, visit a major attraction in the city to remind you of how cool your new life is. I can see Tower Bridge any night of the week, how amazing is that?
To sum it all up, my first days in the UK have been fantastic. Although the coursework and extracurriculars are overwhelming, I've made new friends and I'm excited about the opportunities available at the university. This little corner of London is starting to feel like home.
If this sounds exciting and you're interested in learning more about studying in the UK, please contact one of our advisors.


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Pornography – sometimes called 'porn' – is stories, or photos, or videos where people have sex. It's meant to be sexually exciting entertainment. Some people like to watch or read pornography when they masturbate. People have different opinions on pornography, and whether or not it's ok. In this video different people discuss their thoughts about porn.
People with cognitive disabilities are often denied information about how sex can be pleasurable. This can leave them with the impression that it's a dangerous thing best left alone – thus denying them the opportunity to make an informed decision about whether sex is something they want to pursue.
Many people who are having partnered sex are discouraged from valuing their own pleasure. They may be having sex in ways that are pleasurable for the other person, but not for them. Talking about pleasure makes it a valid thing to want to get out of sex, and to negotiate for in sexual relationships.
There are lots of products out there like toys, lubricant, and erotica that many people use to increase their sexual pleasure (alone in masturbation or with others). People with cognitive disabilities who are having solo or partnered sex are often denied access to information about these products. This reduces their potential for pleasure. It can also lead to injury. For example, people sometimes injure their genitals by using slippery but caustic products as lubricants. (shampoos, detergents, chemically perfumed lotions etc.) Safer products specifically designed for this purpose are available, and people deserve to know about them so they don't hurt themselves.
Our videos embrace sexual pleasure as valid and positive, but they also acknowledge that people have varied experiences with sex, and that there are many nonsexual ways people can experience pleasure and intimacy with their partners.


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SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA (SIDBI) has released Recruitment Notification for Assistant Manager (Gr 'A'). Selection Procedure for all post basis on Interview. candidates have to apply online before 09-07-2013. further details check out below
Post names and vacancy details :
|Post Names
|Assistant Manager Grade 'A' (IT)
|Assistant Manager Grade 'A' (Legal)
Dates to remember :
online starts registration :25-06-2013
Last date to apply : 09-07-2013
Educational Qualification and Qualification experience (As on March 31, 2013) :
Selection : merit on Interview
Download here Official Notification
Apply here Online after 25/06/2013
Also read :
1. last six months current affairs 2013
2. RBI Grade B officer Recruitment 2013
3. RBI Assistant recruitment 2013


text:
Saturday, January 24, 2015
Photos: Oritsefemi, Monalisa Chinda, Others Rock Lisa Omorodion's First Cut Movie Premiere
25 comments:
- Anonymous24 January, 2015 14:05
Why hmmm alabosiDelete
Pretty ladies
The Lumdy Blog Review| Africa's most bootlicious women of 2015
That woman is practically white... She fine small... Nigeria, infact, the world watch out 4 me oooooo.. # actressReplyDelete
That woman is practically white... She fine small... Nigeria, infact, the world watch out 4 me oooooo.. # actressReplyDelete
Beautiful guys.ReplyDelete
nice photosReplyDelete
it lookz colourfullReplyDelete
it lookz colourfullReplyDelete
- Anonymous24 January, 2015 14:53
gbogbo bigssss girl.ReplyDelete
from fummy spicy.
gud photozReplyDelete
they look gud...anyway just passingReplyDelete
they look gud..anyway just passingReplyDelete
a.k.a EDWIN CHINEDU AZUBUKO said...ReplyDelete
I gat to watch the trailer.....
- Anonymous24 January, 2015 17:37
she looks like the actress from old movie nneka the pretty serpentReplyDelete
- Anonymous24 January, 2015 19:18
all of then just resemble elephant..ReplyDelete
na me talk am
amaka CanadaReplies
- Anonymous24 January, 2015 20:25
True but only the yellow one wey fat . She is too fatDelete
- Anonymous24 January, 2015 23:22
Ahh ahh ..look number 6 pics ..you see elephant mamas for there ....chai chaiDelete
Their is God
Na me talk am
amaka canada
- Anonymous25 January, 2015 08:22
lwkmd. . . .Delete
They look goodReplyDelete
- Anonymous24 January, 2015 20:24
SHE SHOULD CONCENTRATE ON EATING LESS FOOD, THAN USING BLEACHING CREAM AND APPLYING MAKE UP.ReplyDelete
IF SHE LOSES WEIGHT, SHE WOULDNT NEED SO MUCH MAKE UP. AH AH Wetin?. See as she be like the ghost of a ***
9ice one. who is that fattttt black woman in that group photo? chai there is God oReplyDelete


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11 November 2016
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On the Road again…. to Sydney
On the recommendation of Brendyn's sister, Kylee, we went to Knorrit Flat to camp that night. She had taken her family there for camping trips in years past and they enjoyed the lovely location and tubing down the river – a popular activity there. It was great! Really beautiful under the trees by the river. The owners will bring firewood if you want it and they do an ice cream/shop item run down to the park from their office higher up on the hill, a couple of times a day. When conditions are right they will also take a mini bus load of campers further up the river to float back down in tyre tubes.
We wanted to see some waterfalls we'd heard of in the area. The Ellenborough Falls. Other campers we spoke to that night however advised that access would be difficult from Knorrit Flat and we should go to Potoroo Falls instead. So the next morning we set off. It was a wet day and there were lots of dirt road. The countryside was lovely though. After hours of driving we made it to the junction that led to Potoroo Falls. Here we found that the road is suitable for 4WD's only, in wet conditions. Sigh. We didn't want to risk getting stuck, so turned around and drove back down through the charming town of Wingham to Taree.
We stayed at the Taree showground that night. As it was pouring rain, the caretakers suggested we park under one of the pavilion shelters. This made the camping very easy! They also gave a second opinion supporting the idea of going to Ellenborough Falls so we decided to do that the next day.
Ellenborough Falls at Elands was well worth the drive. It is a spectacular sight as the 200m drop is one of the longest single drop waterfalls in the Southern Hemisphere. There are walking tracks that enable views of the falls from different perspectives and a picnic area where we enjoyed our lunch.
Back in Taree we decided to stay at the showground again as it was still raining and having shelter was very nice!
The next morning we set off and drove through beautiful Forster/Tuncurry. We'd spent some time there recently and wanted to go back to Seal Rocks which we'd missed seeing last time. It is a tiny but picturesque settlement by the seaside. We walked up to Sugarloaf Point lighthouse which is the second most easterly lighthouse in Australia (after Byron Bay). A steep walk but a great view at the top.
Our stop that night was in Bulahdelah. All our lives we'd only ever stopped at Bulahdelah briefly for fuel or a rest stop at the service station on the way to/from Sydney. It was a surprise to find that there is actually a very nice little village there off the main road. One of the friendly locals told us of some good places to see on the Myall Lakes and suggested we travel through there on our way south rather than just following the highway. Sounded a good plan so the next day that's what we did.
We went to Bombah Point where a ferry takes vehicles across the small stretch of water to Myall National Park. Taking this route via the coastal lake system was interesting as neither of us had been there before. There were long stretches of isolated beaches and coastal woodland with many camping areas where people come to kayak and fish. We stopped at Hawks Nest before driving through Tea Gardens and back to the highway.
It wasn't long before we were in Sydney and being welcomed by Josh & Ashleigh at their home in vibrant Surry Hills. We had five days in Sydney with them before setting off on the next leg of the trip.


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SOUTH HADLEY, Mass. - Powered by strong wins from each end of the ladder, the Mount Holyoke College squash team posted an 8-1 victory over Connecticut College on Senior Night at the MHC Squash Courts. With the victory, the #23 Lyons move to 9-9 on the season, while the #27 Camels dip to 6-15 overall.
Mount Holyoke saw an outstanding effort from the lower half of the lineup. Leading the way was sophomore Anna Hartman (Montpelier, Vt./Montpelier), who grinded out a 3-2 victory against junior Myra Jacobs (West Wardsboro, Vt./Newtown) in the ninth position. After claimed the first two sets by scores of 11-6 and 11-5, Hartman found herself down as Jacobs battled back for wins of 13-11 and 11-7. It was the fifth set that saw Hartman post the win as she scraped out an 11-9 final margin.
Lyons' sophomore Catherine Ryan (Longmeadow, Mass./Longmeadow) also battled to victory in the eighth spot, defeating sophomore Kaleigh Tierney (Burlington, Conn./Ethel Walker) by a 3-1 (11-6, 11-5, 8-11, 11-7) score.
MHC junior Xianger Fei (Hangzhou, China/Hangzhou Foreign Language School) was a 3-0 (11-2, 11-1, 12-10) winner against sophomore Madison Craft (Newtown Square, Pa./Episcopal Academy) in sevens, while first year Sanjna Merchant (Mumbai, India/Jai Hind College) claimed a 3-0 (11-3, 11-1, 11-3) win over Camels' first year Caroline Lippincott (Jamestown, R.I./Lincoln School).
In the middle of the lineup, senior Elyse Taylor (Mission, Texas/Pomfret School (Conn.) was a 3-0 (11-1, 11-6, 11-5) victor from the fifth spot against first year Anne Holly (York, Pa./Roland Park Country School). Connecticut College picked up its lone point of the match from the fourth position as sophomore Adrienne Sieverding (Red Hook, N.Y./Kent School) recorded a 3-0 (11-6, 11-5, 11-2) win against MHC first year Allison Shilling (New Canaan, Conn./Choate Rosemary Hall).
The top three from Mount Holyoke all cruised to victory led by senior captain Randima Ranaweera (Colombo, Sri Lanka/Sirimavo Bandaranaike Girls School), who defeated junior Caroline Sargent (Seattle, Wash./Bush School) by a 3-0 (11-6, 11-4, 11-1) score.
MHC sophomore Sherouk Khefagy (Cairo, Egypt/International School of Choueifat) recorded a 3-0 (11-6, 11-5, 11-2) win against junior Leah Puklin (Bala Cynwyd, Pa./Lower Merion) at the second position, while junior Samantha Rosado (Meriden, Conn./F.T. Maloney) wrapped up the action for the Lyons with a 3-0 (11-9, 11-2, 11-8) victory over sophomore Ashley Arthur (New York, N.Y./Taft School) at three.
Prior to the match, the Lyons honored their three graduating seniors for all their hard work to the program. Those honored included Ranaweera, Taylor and Katrina Intal (Bronx, N.Y./St. Paul's School).
Mount Holyoke returns to action on Wednesday when it travels to Amherst for a 6pm match against the Jeffs. Connecticut College is now idle until the CSA National Championships, which begin on February 21st.


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While data breaches certainly are not a new phenomenon, there is a persistent and growing threat of healthcare breaches. And while 2014 was a great year for cybercriminals targeting U.S. consumers, 2015 may be even better for hackers.
Experian produced its second annual Data Breach Industry Forecast this month showing that the potential cost of breaches for the healthcare industry could be as much as $5.6 billion annually. The report claims that the risk of experiencing a data breach is higher than ever citing the "consistently high value of healthcare data on the black market."
Hackers already are big fans of payment breaches and cloud data, and many healthcare providers are already utilizing both of these potential vulnerabilities. The Identity Theft Resource Center stated that 42% of breaches reported this year have occurred in the healthcare sector! As the healthcare industry expands (via electronic health records) the number of access points to Protected Health Information and furthers the adoption of wearable wellness technology, patients will become attractive targets to criminals. More pressure than ever is going to be placed on healthcare executives to ensure data is secure as patients demand for remedies increases.
Healthcare reform has mandated that medical providers "become more electronic" at such a fast rate that the security of patient data is truly compromised. And criminals know it! "Many doctors' offices, clinics and hospitals may not have enough resources to safeguard their patients' PHI," confirmed the Experian report. Michael Bruemmer with Experian correctly stated that "accessibility has trumped security."
The Experian report can be found here.
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When the mouse cursor disappears in Windows 10, your PC goes out of action. You are unable to work on your computer as you normally do. You'll find it very difficult to operate with the keyboard alone.
Cursor disappearing in Windows 10 is no big deal. You can get the cursor back easily. Before that, you need to figure out why the cursor disappeared on your computer in the first place.
Why Does the Cursor Disappear in Windows 10?
It is normal for the mouse to lag or the cursor to disappear when you're typing a text document. If you keep typing for over a few seconds, the cursor disappears as the mouse becomes idle. You can get it back by moving the mouse again.
Similarly, when you're computer goes to sleep after staying idle for too long, the cursor disappears. Now, these two instances are common in all Windows operating systems. The real problem comes when you're actively using your mouse to operate Windows 10 and the cursor disappears out of a sudden.
Here are the top reasons why cursor disappears in Windows 10 –
- Newly-installed program – Some apps & programs interfere with Windows pointer devices. After installation, these programs can make the cursor disappear.
- Recent updates – When you upgrade your system from Windows 8 to Windows 10, the cursor disappears. The same happens when you install new updates on your Windows 10 PC.
- Outdated mouse drivers – Without proper updates, your mouse driver is unable to process the inputs. The cursor disappears when your Windows 10 isn't loaded with latest drivers.
Other than that, changes in pointer device settings can also hide the cursor in Windows 10. On laptops, mechanical faults and tweaked settings can make the touchpad cursor disappear.
Get Back Your Missing Cursor in Windows 10
It starts when the cursor freezes on Windows 10. That's the first sign that your pointer could disappear soon. To fix the disappearing cursor, take a look at all the fixes shown below.
1. Use the Function (Fn) Keys
If you've recently installed Windows 10 on your computer, the function of your mouse cursor could get disabled. Relax, you don't need to uninstall Windows 10 for this but reset the cursor functions.
You'll need to use the Function (Fn) keys on your keyboard to unhide the cursor. Try out pressing the following key combinations and see which makes the missing cursor visible.
- Fn + F11
- Fn + F9
- Fn + F5
- Fn + F3
Depending on your keyboard model, you'll find all the function keys available for your use. If you don't have them on your keyboard, get an external keyboard that has them. Plug in the keyboard in your PC and key in the above combinations.
If this helped you retrieve the hidden cursor in Windows 10, check your mouse drivers. There's surely some issue with the pointer device drivers on your Windows 10 system.
3. Check and Update Mouse Driver
This is the best solution to fix a disappearing cursor on Windows 10. Get the driver updated and the latest software fixes the hidden cursor.
- Press the Windows + R keys on your keyboard to open the Run dialog box
- Type "devmgmt.msc" and press the Enter key
- Use the Tab key on your keyboard to switch lists in the Device Manager window
- Using the arrow keys, scroll down to Mice and other pointing devices
- Select the active mouse driver
- Press the Shift key and immediately hit the F10 key (Press Shift + Fn + F10 keys)
- Use the arrow keys to select 'Update driver' from the drop-down menu
- Hit the Enter key
The onscreen instructions guide you through the update process.
Here, make sure you select the option that says – Search automatically for updated driver software. You can also use driver updater tools to get the latest version of your pointer device software.
Once the driver is updated, your cursor becomes visible again and you can get back to your work.
2. Disable Hardware Acceleration for Your Browser
Before you move on to fixing the mouse driver, find out if the browser isn't going away only when you're on a web browser. Technical bugs in some web browser apps like Chrome can make the cursor disappear.
If the mouse cursor disappears in your Windows 10 computer whenever you're on Chrome, turn off the browser's hardware acceleration.
- Use your keyboard keys to open Google Chrome browser
- Go to Chrome Settings page (type "chrome://settings/" in the address bar and press the Enter key)
- Use arrow keys to navigate to 'Advanced' and press the Enter key to expand the it
- Scroll down to the System section
- Here, hit the toggle switch to disable – Use hardware acceleration when available
- Close the browser and restart your PC
When you disable the hardware acceleration on Chrome, the browser doesn't use extra processing power. You can save up your computer's resources (CPU, GPU, battery, etc.) and allow Windows to process your pointer device inputs smoothly.
This is how you fix your mouse when the cursor disappears on Google Chrome.
4. Scale Down Mouse Driver
In a few instances, advanced mouse drivers could make the cursor freeze or disappear in Windows 10. You'd have to uninstall these updated drivers to get your mouse work properly.
When you roll back your mouse driver, your cursor goes back to the earlier state when it was visible. This way, you can keep the cursor visible on your Windows 10 PC by choosing not to update the mouse driver.
- Open Run dialog (press Windows + R keys)
- Type ""devmgmt.msc"
- Press the Enter key
- The Device Manager window opens up, use the Tab key to navigate lists
- Scroll down the Mice and other pointing devices list, expand it with arrow keys
- Select the current mouse driver and press Enter
- Go to the Driver tab (use the Tab key)
- Use the arrow key to go to 'Uninstall' button and hit the Enter key
Follow the onscreen instructions and your mouse driver gets tuned down to the previous driver version.
It is the best way to fix disappearing mouse when the latest driver version is incompatible to your Windows OS.
5. Clean Boot your PC
Your last option is clean-booting Windows 10 computer. It is a good way to determine programs and apps that are interfering with pointer device settings.
- Open the Run dialog (Windows + R)
- Type "msconfig" and hit the Enter key
- The System Configuration shows up
- Use the arrow and Tab keys to navigate to the General tab
- Go to the Selective startup section
- Deselect the Load startup items with the arrow keys
- Go back and use the Tab key to go to the Services tab
- Enable the option – Hide all Microsoft services
- Use the arrow keys to select 'Disable all'
- Press the Enter key to select Ok
- Restart your PC
You can also boot your Windows 10 in Safe Mode. It restores your PC to factory default and your cursor works normally after restarting your computer in normal mode.
Mouse Cursor Disappears after Windows 10 Update (KB4074588)
Updating your Windows 10 computer can fix your disappearing cursor. When you check for updates on Windows 10, you see all the available updates for devices and programs.
You can select and choose which updates you want to install. Likewise, some updates can fix the disappearing cursor, while others can make things worse.
Yes, many Windows 10 users have reportedly lost their cursor after installing a particular update. The KB4074588 Windows 10 update can hide your cursor for some time.
Solution: You can roll back your Windows 10 to an earlier version by selectively uninstalling the KB4074588 update.
Besides all this, you can also check your mouse. See if any damage to the device is making the cursor disappear. If you can't get your cursor back with our solutions, leave a comment and we'll get right to it.


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On Your Head 2015
Posted by Anne-Marie on March 18, 2015
Today sees the launch of our On Your Head campaign. Trevor Francis, one of our Patrons, was joined by pupils from Barr Beacon School at Birmingham City Football Ground to launch the 'keepy-uppy' challenge
The Challenge
Put your football skills to the test and raise cash to support those in need! Trevor Francis is challenging young people across the city to successfully execute as many keepy-uppys as possible! Whether it's 10 or 500!
Get your friends and family to sponsor you as you take on one of Birmingham's biggest football challenges!
Between the 20th April and 22nd May, people across the city will be testing their skills and pulling their socks up to help Get A-Head.
To register for more details please follow the link below to email us


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PAYS Status Update 2019
Every year the Energy Efficiency Institute, Inc. publishes data collected from ongoing PAYS programs. Check out the most recent version here.
Analysis of Bus Electrification in Lima using PAYS for Clean Transport
May 2020
With support from Convergence Blended Finance, Clean Energy Works conducted a feasibility study and found promising results for the implementation of electric technologies in transit and the innovation of PAYS for Clean Transport in Lima, Peru.
Forth Roadmap 2019 – Scaling Electric Transit to 100%
June 19, 2019
Holmes Hummel presented on PAYS for Clean Transport at Forth's Roadmap conference. This presentation includes findings from our Lake City Case Study showing benefits to both the Transit Agency and the Utility from using a PAYS for Clean Transport model.
C40 Clean Bus Finance Academy Presentation
May 2, 2019
Holmes Hummel presented on PAYS for Clean Transport for the second year in a row at C40's Clean Bus Finance Academy. This event took place in Los Angeles, CA with representatives from 13 global cities who are seeking to electrify their bus fleets.
The Climate Reality Project: Panel on Equity and Energy
March 15, 2019
Holmes Hummel took part in this panel at The Climate Reality Leadership Corps Training in Atlanta, GA. When it comes to the fossil fuels polluting our environment and changing the climate, low-income families and communities of color get hit the hardest. How can we make the transition to a clean energy economy just and equitable? Dr. Hummel shares a vision for inclusive financing enabling all people to participate in this transition.
Many thanks to the Partnership for Southern Equity for capturing this video.
Mothers Out Front Electric School Bus Webinar
February 7, 2019
This webinar, presented by Mothers Out Front NY, covers electric school bus campaigns. Clean Energy Works presents financing possibilities through the VW Settlement and utility tariffed on-bill investment, with Green For All and Chispa campaigners sharing stories from projects underway around the country.
VERGE Talk: Why clean, equitable energy and EVs are good business
June 27, 2018
While many stakeholders in the clean energy economy claim poverty, there's good news: Equitable financing models exist for decarbonizing our local energy and transportation systems! Holmes Hummel builds on a 2017 VERGE Talk on how to scale clean energy investments with equity as a driver — showing how financing the clean energy infrastructure transition is not just a social imperative, but also a business opportunity.
VERGE Talk: Inclusive Financing for Clean Energy — Paving the Way with EVs
October 27, 2017
For years, utilities have resisted the distributed energy revolution already underway. Yet, electrification of the transportation sector presents a historic opportunity for growth, and it is a critical path for climate stabilization. What's new? In the last year, plummeting battery costs have helped the some vehicles — specifically, long-range electric transit buses — finally approach cost parity on a lifecycle basis when compared to diesel buses. At the same time, an innovative finance mechanism is gaining traction in the utility sector that would allow utilities to invest and recover costs for the on-board batteries. With these developments, utilities could drop the upfront cost of all-electric vehicles, set off a surge in sales, and rapidly capture the prize of market share for transportation fuels. But will they?
VERGE Talk: Scaling clean energy investments with equity as a driver
July 6, 2017
How inclusive financing can help scale clean energy investments in distributed energy solutions from better buildings to clean transit.
Climate One: Can Clean Tech Clean Up Our Future?
February 2017
The clean energy industry is growing and creating jobs. One recent report found the number of people who work in renewable energy grew 5 percent to 8 million people worldwide. What technologies are most promising for making money and getting a job? What areas offer the biggest prospect for game-changing breakthroughs? Join a conversation with three battle-hardened experts about what's real and what's hype in today's clean power landscape.
SEEA Inclusive Financing Learning Circle Series: Introduction to Inclusive Financing for Energy Efficiency
January 12, 2017
The Southeast Energy Efficiency Alliance invites you to learn more about inclusive financing solutions for energy efficiency. Beginning in 2017, SEEA and Clean Energy Works will offer a comprehensive webinar series based on the experience of 8 utilities in 3 Southern states that have already put millions of dollars to work right in the communities they serve.
Stanford Precourt Institute for Energy: Answering calls of our time: Energy technology transitions and equity
October 6, 2014
How can we deploy clean energy technologies on a scale that matters and in a time frame that makes a difference? Market conditions that motivate private equity investments are framed in part by public policy decisions taken in contexts where social equity is a factor. Claims for justice are persistent in sticking points such as the distribution of benefits and burdens along energy supply chains, investing revenue from climate policies, and international development efforts to expand access to electricity worldwide. However, advocates with urgent calls for technology transition often overlook calls for fairness and inclusion as a path for expediting progress.


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