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Razer's Blade gaming laptop is nothing if not unique. The first version of the attractive-but-expensive laptop launched at a whopping $2,800 and wasn't the fastest laptop on the block. It tried to make up for it with a stylish design and unique touchscreen-turned-trackpad with configurable buttons.
The revised Blade doesn't change this equation much, but it is a nice refinement of what came before. More power-efficient chips from Intel and Nvidia (as well as a redesigned ventilation system) help with heat issues while boosting performance. A slight price drop (to $2,500) helps with the pricing issue.
To help see where the Blade falls in context, we'll be comparing its looks, its build quality, and its performance to a more conventional gaming laptop—Digital Storm was kind enough to send us one of their x17 gaming laptops for comparison. The x17, which is really just a branded version of Clevo's P170EM, is a gaming laptop in the traditional sense: big, bulky, and only relatively "portable."
If you're looking to hang up a big brick like the x17 in favor of something a bit more svelte, does the Blade have the performance to replace one of these monsters?
Micro-review: The DigitalStorm x17 (Clevo P170EM)
|Specs at a glance: DigitalStorm x17 (Clevo P170EM)
|1920x1080 17.3" display (127 ppi)
|Windows 8 64-bit
|2.3GHz Intel Core i7-3610QM (Turbo Boost 3.3GHz)
|16GB 1600MHz DDR3 (upgradeable to 32GB)
|AMD Radeon HD 7970M with 2GB of GDDR5
|750GB 7200RPM hard drive
|Single-band 802.11n, Bluetooth 3.0, gigabit Ethernet
|2x USB 3.0, 1x USB 3.0/eSATA, 1x USB 2.0, 1x mini FireWire, DVI, HDMI, DisplayPort, headphone/microphone/line-out/line-in jacks, SD card slot
|8-cell 76.96Whr Li-ion
|16.22 x 10.87 x 1.79-1.65 inches (412 x 276 x 45.4-41.8 mm)
|8.6 lbs (3.9 kg)
|Starting price
|Price as configured
|$1854 (note that the current model at this price has an upgraded Core i7 3630QM CPU, but is otherwise identical)
|Other perks
|Webcam, Kensington lock slot, backlit keyboard, DVD burner
This boutique computer from Digital Storm is a traditional gaming laptop, which is to say that it's about as much like a desktop crammed into a laptop's body as is physically possible. This means you get a wide range of accoutrements—a beefy, high-end GPU, a fast quad-core CPU, and plenty of ports and display hookups—but it definitely costs you in terms of size and weight. At 8.6 pounds and 1.78 inches at its thickest point, this thing feels like it should come with a warning about team lifting. It's a laptop made to be carried to LAN parties, but hauling it in a shoulder bag all day would likely result in permanent disability.
This thickness does also enable some desktop-like upgrade options, though: our model came with a 750GB spinning hard drive, but there's a completely separate drive bay that could be used to add an aftermarket SSD to speed the computer up, or another HDD for purposes of configuring a RAID array. The two RAM slots are easily accessible. The GPU is on an MXM daughterboard, making it (at least theoretically) possible to upgrade your GPU in the future. The CPU is socketed, also theoretically allowing for easy drop-in upgrades as long as your new CPU uses the same socket. Dig further and you can find two RAM slots and a slot for an mSATA SSD. Only a few Phillips head screws separate the user from most of these upgrades, bringing a small degree of desktop customizability to something a little more portable.
This desktop-style modularity also brings with it a desktop-style array of ports and extras. Along the sides of the laptop are two USB 3.0 ports, one combo USB 3.0/eSATA port, one USB 2.0 port, an Ethernet jack, a mini Firewire port, a card reader, an optical drive, and separate headphone, microphone, line-in, and line-out jacks. DisplayPort, HDMI, and DVI ports are all located on the back of the laptop, meaning this computer should support up to three external displays—one over DisplayPort and two over HDMI and DVI.
Though we appreciate the laptop's upgradeability, we've got to dock it points for general fit and finish. There's no question that it's very solidly built, and its 17.3-inch 1080p screen is bright and colorful with decent (if not exceptional) viewing angles. The first major point of contention is the backlit keyboard. It's not a chiclet keyboard like we see in so many newer laptops, which isn't a bad thing in and of itself. The problem is that it's often unresponsive—and some keys are worse than others. We suspect this will vary a little from laptop to laptop, but in ours, keys like A and S were especially resistant to input. It makes typing slow and deliberate, and while we've seen many mushy or unsatisfying keyboards over the years we've rarely run into one that actively resisted our efforts to type on it.
We also had intermittent issues with the single-band 802.11n Wi-Fi card in the laptop, which would occasionally drop its connection to (or refuse to connect to) our Netgear WNDR3700 router. This problem persisted in both Windows 7 and Windows 8 using the latest drivers available for the device. It hasn't been a problem for us through the course of innumerable laptop, tablet, and smartphone reviews, so we're inclined to blame either the laptop itself or the Realtek Wi-Fi chip it uses.
Internals and battery life
The benefit to having such a huge laptop is that there's plenty of room for beefy components, and the Digital Storm laptop doesn't disappoint on that front. Our review unit uses a 2.3GHz Intel Core i7-3610QM—it's not the fastest quad-core mobile CPU that Intel makes, but it's still quite zippy. More pertinent to gamers is its AMD Radeon HD 7970M with 2GB of GDDR5 RAM on a 256-bit memory interface, a powerful chip that's just too big to fit in a more conventional laptop.
Our review unit also includes a 7200RPM 750GB spinning hard drive and 16GB of RAM. That hard drive is the machine's biggest bottleneck. While it's easy enough to insert your own aftermarket SSD, it would be nice to see at least an SSD cache in a machine this expensive.
To save power, the laptop makes use of AMD's Enduro graphics switching technology, which is roughly analogous to Nvidia's Optimus. It dynamically switches between the dedicated GPU and Intel's integrated graphics, delivering better battery life when possible and better performance when needed.
The fly in the ointment here is that Enduro isn't quite as mature as Optimus, and it generally isn't as seamless. Using the default settings, the dedicated GPU usually kicked on for games where it was needed, but to bring it online for Portal 2 (just to use an example from our testing suite) we needed to go into the Catalyst driver settings and tell the computer to use the more powerful graphics card. In the case of Minecraft, the system simply wouldn't turn the dedicated graphics chip on no matter what we did, a problem possibly related to that game's use of Java. We'll see this reflected in our benchmarks—the 7970M is quite fast, but it can require tweaking to get the best performance in every situation. If you'd rather use Nvidia's more mature Optimus technology, the x17 can easily be configured with a (cheaper, slightly slower) GeForce GTX 670MX or a (usually faster, more expensive) GeForce GTX 680M when you order it.
The x17 includes a 76.96WHr battery and is rated by Clevo for about six hours of battery life with the switchable graphics enabled. We didn't focus on scientific battery life tests for this overview—for a hardcore gaming laptop, it's not a selling point the way it is in an Ultrabook or even a budget laptop—but realistically you should be able to expect between three and four hours in general usage depending on what you're doing and how bright you light the screen. This isn't fantastic, but it's quite a bit better than these laptops have historically done—two hours or less in a bulky gaming laptop with a beefy dedicated GPU was not uncommon back in the day.

subset: commoncrawl


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Life of the Fae Ladies Cut Tee
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You may return most new, unworn/unwashed items within 30 days of delivery for a full refund. We'll pay the return shipping costs if the return is a result of our error (you received an incorrect or defective item, etc.).
We have an Easy Returns button at the bottom of the website on every page or you can go here: https://southofmemphis.returnly.com/ to start the return process. It is easy, safe and quick!
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Crossing time to tell the future.
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The HOME PAGE is the place to go to get a summary of everything on this network.
Our job is to clear resistance to what we want --higher vibrational reality.
Get excited and give thanks BEFORE it manifests.
Be bold--and mighty forces will come to your aid.
For those who believe, no proof is necessary. For those who don't believe, no proof is possible.
What lies behind you and what lies before you are tiny matters compared to what lies within you.
You are only as comfortable as you believe you deserve to be.
What you chase will flee from you, what you resist will persist and what you invalidate you will absolutely empower.
In every moment is a choice of Love or fear.
The lie is to say "I did not create this"
Heaven is visible for all those who wish to see it.
Do not think you can direct the course of Love, for if it finds you worthy, it will direct yours.
There is no need to go looking for Love when that is where you are coming from.
Look at what is troubling you and you will only find things you shouldn't be doing.
You cannot control anything for which you haven't assumed full responsibility.
It is always only at the end when one finds that the answer was in the approach.
The very thing that is continually sabotaging your efforts is your attachment to results.
The quality of your life depends on the quality of your thinking.
Obedience in Love fulfills all lesser laws.
Renunciation is equivalent to possession.
To have what you've never had before, you need to do something you've never done.
The ordering of the mind is the ordering of the Universe.
All rising to a great place is via a winding stair.
A lie is simply that which is its own evidence.
Just because something doesn't exist does not necessarily mean it can't be a useful tool.
Happiness is not an outcome - it is a choice - a choice of doing what needs doing right now with all your heart, all your mind and all your soul.
To find out more about your true purpose, learn to monitor and examine your thoughts and discover what your mind is presenting to you that is leading you astray or sabotaging your efforts.
When you are in alignment with your true purpose, what you KNOW, what you SEE, what you SAY, what you LOVE, what you THINK, what you FEEL and what you DO are all the same thing.
If you wouldn't tolerate a robber in your house, why would you allows negative thoughts to reside in your mind ?
The ONLY thing you really need to "master" is the NOW. Everything you need - indeed all your control is in this present moment. Learn to go within the NOW and you will never go without again.
It is only in SILENCE that you will hear what the universe most wants to tell you. The rest of the time, that message is drowned out by the din of your own thoughts.
A sufficiently strong desire can bring you anything you want - but beware: Make absolutely sure that it is something you will love - not just something you THINK you will love.
One of the secrets of success is to always know the inevitable reaction that always follows any given action and be prepared for it.
You become what you think about most - and the greatest secret is that you will never know what that is.
Things are rarely what they appear to be. The universe is a paradox and so will only grant life to that which is also paradoxical.
We are reflections of the very process we seek to understand. Know THYSELF.
If you wish to become the best YOU you can be, then the coincidence of the your reality with your own thoughts is the nature of the threshold to be crossed.
It is not impossible to understand that which is authentic and interdimensional with a mentality where such breadth of function is denied by ego.
The most important focus is on the personal ability manifest thought.This is the sole attribute of [a] man that will endow him with the ability to negotiate the circumstances being increasingly identified from various sources. However, it is not enough to "visualize peace." One must be able to invest one's libido or vital force in the posture of "having already created a circumstance of peace," in which one has already transacted one's life. One must live out a script which is not punctuated with a final period at death.
If there is ONE thing that can be deemed to be your greatest enemy - it is your own ego. Do all things with Love for others in mind - and the power of Love will protect you from life's fiercest storms.
If you really wish to help yourself, but cannot work out HOW, then simply help others. We are all ONE on the higher levels of being and by helping others, you actually help YOURSELF.
If you are making a request to the universe (or praying) for something, know that it is only requests that ask TO love that will be answered, not ones that ask FOR love.
Realise that if you rely on your past experience or knowledge for the attainment of some outcome, then the results of that outcome can never be better than the previous ones.
Every moment of your life is a gift. Be careful what you exchange it for. Don't invest your life and soul into something that will not benefit you.
Dream your life and LIVE your dreams. If you immerse yourself in your desire so much that you forget you don't have it, you will get it. This is due to the Law of Equivalence of Form.
Learn to go within and you will never go without again.
Learn to see the blessings in everything that happens. Sometimes they are very difficult to find, but you will find them if you look hard enough.
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D.I.Y. bathroom vanity
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How to build a bath frame
Built-in baths are supported by timber frames. Learn how to measure your bath and make a frame to fit.
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Six essential tips to renovate your bathroom
It may be one of the smallest rooms in your home, but a bathroom that looks great and has a functional design can add considerable value to your home and quality of life.
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KITCHEN 1540 has garnered numerous awards including such prestigious honors as Wine Spectator Magazine: Award of Excellence; CA Restaurant Association: Gold Medallion – Best Hotel Restaurant, Fine Dining; San Diego Magazine: Best Hotel Restaurant; and Ranch & Coast Magazine: Editor's Pick for Best Restaurant.


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This page provides you with information and links to opportunities to learn or study in another EU country. You can scroll down to find all information. You can filter the results by using the filters on the left.
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Location: Eugene, Oregon, United States
Category: Banking, Banks, Financial Services, Personal Banking, Business Banking
US Bank Branch Address: 99 E 17th Ave, Eugene, OR 97401-4018
US Bank Branch Phone Number: 541.465.4383
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Head Office: Minnesota, United States
About: US Bank is a leading banking services providers in United States. The first National Bank of US Bank was opened in 1963. It is the 7th largest bank in the country. Services which are provided by the bank are retail banking, commercial banking, investment banking, private banking, financial analysis, and private equity. As of December 31, 2018, 74,000 employees working in US Bank. In United States, the bank has more than 3,000 branches where all these services are available.


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Sarcastic wrote:tfrizz wrote:Just finished watching Hockey Central at Noon, and Kypreos & MacLean provided good insight into what the issues are. Basically, the league is trying to get back the freedoms the players got in the last CBA (UFA age, etc) but the players aren't fighting for today. They feel that if they give in now, then when this CBA is up in 5 years the NHL will come at them with 45-47%, a higher (again) UFA age, and even fewer contractual freedoms.
They made a point in saying the NHL is absolutely nuts for trying to put in the 5% escalator, where a player's contract can't increase or decrease by 5% from year to year. As MacLean put it "they're going to give them the money, so what right do they have to limit how it's allocated".
I figured a former player like Kypreos would be on their side, but for MacLean to put so much fault on the NHL was really surprising. Neither absolved the NHLPA of blame, but simply placed more on the NHL side of things.
If players are so paranoid that they're worried about owners taking even more 5 years from now, then forget about it. Not even worth discussing. This is now and leave the future to 5 years from now, but I doubt owners would want to be so blatant in trying to rip them off then. Current numbers are off, teams are losing money, but if they get a good deal for both sides now, there may not be big changes next time.
I don't know what the proper % in variance should be, but I think it's a good idea to have something like that. Some of those crazy deals are structured so the player, close or at his retirement age, is to make very little and it's obvious that is pure cap circumvention that should be eliminated.
wow, full of typos today.
The % should be eliminated it shoulg be the same for every year of the contract should be paid by the average cap hit. A 5 year 25 million deal should be paid 5-5-5-5-5 during the life fo the deal. How is that not fair to the club or the player?
You know it was a player agent working with a GM to do the first cap circumvention deal.


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Anyone who thinks that soap opera stars are second-rate performers clearly isn't aware of how many of America's most revered and popular actors and actresses started their careers on daytime television.
Soap operas have been around even longer than television and, although they have been struggling for ratings in recent years, their core audiences remain loyal fans five days a week.
The laughter, the tears, the betrayals, the secrets, the affairs, the romance ... all these features keep soap viewers coming back to their favorite shows week after week and year after year. But these compelling storylines just wouldn't work if not for the highly talented actors playing the parts.
So next time you hear someone say that soap stars can't act, make sure you let them know that dozens of highly acclaimed actors got their start on daytime TV. The list goes on and on, but we've collected the cream of the crop.
No. 5: Laurence Fishburne - "One Life to Live"
Who would have guessed that Oscar-nominated and Emmy-winning actor Laurence Fishburne started out his career by playing street kid Joshua Hall on ABC's "One Life to Live"?
A young, talented Fishburne played the role of the "adolescent with an attitude" between 1973 and 1976. It was only a few years later that he got the opportunity to play Tyrone "Clean" Miller in the renowned war movie "Apocalypse Now."
Since then, he has gone on to star in a string of action flicks including "Red Heat," "Boyz n the Hood," "The Matrix" trilogy and "Mission Impossible III." He now has a regular role back on the small screen as Dr. Raymond Langston on "CSI: Crime Scene Investigation."
Fishburne is living proof that soap operas have discovered some incredible actors and launched some amazing careers -- including one of the most famous actresses of our time ...
No. 4: Meg Ryan - "As the World Turns"
Meg Ryan may have been only one of 10 actresses to play the role of Betsy Stewart on CBS's "As the World Turns," but her two years playing this role left an indelible stamp on the character.
Between 1982 and 1984, Ryan started building her first major fan base with her mesmerizing portrayal of the troubled young Betsy. Now the undeniable queen of the late-20th-century "rom-com," Ryan's movie career is the stuff young starlet's dreams are made of.
In fact, her restaurant scene in "When Harry Met Sally" is one of the most iconic movie scenes of all time.
Ryan has also explored more serious acting roles such as a war-torn soldier in "Courage Under Fire" and a self-destructive alcoholic in "When a Man Loves a Woman." She undoubtedly picked up some of those dramatic skills from her soap opera years, and she has definitely put them to good use.
And so has our next star ...
No. 3: Sarah Michelle Gellar - "All My Children"
Before she was slaying vampires, Sarah Michelle Gellar was wowing audiences with her portrayal of the selfish, mean-spirited daughter of Erica Kane on ABC's "All My Children."
Her character, Kendall Hart, was definitely one of those "love to hate" personas. But it would have been all hate, if not for the superb acting skills and innate likability of Gellar. In fact, she won a Daytime Emmy for Outstanding Younger Leading Actress in a Drama Series in 1995, two years after she originated the role of Kendall.
Shortly after her Emmy win, Gellar left daytime TV to star in her biggest claim to fame, the hit TV series "Buffy the Vampire Slayer." Since then, she has gone on to star as the iconic character of Daphne in two "Scooby Doo" movies, as well as blockbuster horror flicks such as "Scream 2," "I Know What You Did Last Summer" and "The Grudge."
Not too shabby for a "soap actor," wouldn't you say? And wait until you see who else got his start on a sudsy daytime drama ...
No. 2: Kelsey Grammer - "Another World"
Before he was Dr. Frasier Crane on "Cheers" and "Frasier," Kelsey Grammer was Dr. Canard on the NBC soap "Another World."
The Julliard-trained actor played the role only for less than a year in 1984, but it was the stepping stone he needed to launch a career that has remained at its peak for decades.
Most people know him as the lovable but somewhat neurotic psychiatrist who was a regular at the Cheers bar before moving to Seattle to start his own radio talk show. But did you know that Grammer also has the distinction of being the first and only TV actor in history to receive Emmy nominations for playing the same role on three different TV series ("Cheers," "Frasier" and "Wings")?
He actually won five of those Emmys he was nominated for, proving once again that soap operas have launched some of the most successful acting careers of all time -- including the phenomenal career of our last selection ...
No. 1: Demi Moore - "General Hospital"
When Demi Moore first hit Port Charles (the setting of ABC's "General Hospital") as Jackie Templeton in 1982, she was not alone. Her debut came in conjunction with the character of her sister, Laura Templeton, played by Janine Turner.
Turner also went on to have a fairly successful acting career as the star of the hit prime-time series "Northern Exposure." However it was Moore who reached true superstardom after her soap stint, and she remains an A-list celebrity today.
Moore has starred in some of the biggest box office hits of all time, including "Ghost," "Indecent Proposal" and "A Few Good Men."
So never let anyone tell you that starring on a soap opera puts you on a fast track to a bartending career. Clearly, some of the greatest, most popular actors and actresses in Hollywood got their start on a daytime drama.
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NOTE: Entity Framework (EF) is an object-relational mapper that enables .NET developers to work with relational data using domain-specific objects. It eliminates the need for most of the data-access code that developers usually need to write.
This latest enhancement to Sentinel Source also allows developers using these frameworks to integrate WhiteHat's application security testing solutions across the lifecycle from testing to production-safe testing of live websites and applications via the firm's dynamic application security testing (DAST) product line.
VP of WhiteHat static code analysis division Jerry Hoff says that development teams are looking for a solution that can "fully test and continually verify" the security of applications throughout the entire development process with no disruption.
"Sentinel Source tests web applications throughout development, giving developers and security teams detailed remediation guidance to enable fixes early to address critical security issues and reduce risk, cost, and resource-strain," he said.
Integration with WhiteHat's Sentinel DAST product line and web application firewalls provides a view of vulnerabilities in already-deployed applications and allows for remediation through targeted virtual patching. Finally, Sentinel Source preserves the integrity of intellectual property by eliminating the need for source code to leave the premises, while still allowing clients to access WhiteHat's cloud-based verification services.
"Time and time again, research by WhiteHat Security and others have shown that making new code free of vulnerabilities from the ground up is the lowest cost and fastest time-to-market solution for remediation," said Stephanie Fohn, CEO of WhiteHat Security.


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Mary: "Dr. Grumpy's office, this is Mary."
Mrs. Hag: "Yeah, I have a 4:00 appointment today."
Mary: "Yes... It's 3:55 now. Where are you?"
Mrs. Hag: "I'm leaving my house now. I'll be there in about 30 minutes or so."
Mary: "Uh, we close at 5. Dr. Grumpy has to go to the hospital."
Mrs. Hag: "Bullshit. You can wait for me. I'd have been there sooner, but had a lot of laundry to put away, and lost track of time."
Mary: "No, we can't, but I can reschedule you for..."
Mrs. Hag: "LOOK, BITCH! DIDN'T YOU HEAR ME? I AM ON MY FUCKING WAY AND YOU ARE GOING TO WAIT FOR ME!"
Mary: "Don't speak to me like that."
Mrs. Hag: "I'll talk to you however I want! I'm a paying customer."
Mary: "You..."
Dr. Grumpy reaches over Mary's shoulder, silences the speaker phone, and picks up the receiver.
Dr. Grumpy: "This is Dr. Grumpy."
Mrs. Hag: "Yeah, I'm on my way to my appointment, I'll be there in about half an hour, and your phone bitch is telling me I can't come in today! I need help, and you're going to wait for me!"
Dr. Grumpy: "No, I'm not. Since you weren't here on time, we are leaving."
Mrs. Hag: "Then you damn well better see me tomorrow!"
Dr. Grumpy: "No. You are not coming to see me. Today, tomorrow, or ever. I will not see anyone who treats my staff like this."
Mrs. Hag "WHAT KIND OF ASSHOLE ARE YOU TO TREAT A SUFFERING PERSON LIKE THIS? I'M GOING TO REPORT YOU TO THE MEDICAL BOARD AND POLICE AND CITY AND HOSPITALS AND MY INSURANCE AND..."
Dr. Grumpy: "Have a nice day." (Hangs up)


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You have been automatically redirected to our sister site Julipa as we are merging our websites in order to give you even more choice of fabulous fitting, great value fashion!
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Undergraduate Degrees, Majors and Concentrations
ENGR1023 - Alternative Energy Technol
Fall 2020
This course will discuss recent developments in alternative energy technologies. In particular, this course will cover recent scientific developments and the latest technological advances in areas of science and engineering associated with power generation. Students will develop the necessary skills to decipher scientific articles and interpret the scope and conclusions of recent scientific research. Subjects covered in the course will be drawn from recent scientific and engineering literature describing recent breakthroughs, aimed at improving efficiency, cost-effectiveness and practicality of renewable energies. The topics could include biofuels, nanotechnology, and solar cells. A scientific method of inquiry and reasoning will be stressed throughout the course.
3 Credits
3 Credits
Click "Details" for a course description, instructor information, and a link to the instructor's website, where you can find a syllabus, first class information, and more...Registration Help
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Schedule Book for All Active and Available Future Terms, Course starting with ENGR1023
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Deputies catch suspect swimming in Indian River
Police: Man armed with knife when arrested
People along the Indian River in Merritt Island watched Sunday as deputies using boats and a helicopter pursued and captured an alleged burglar as he tried to swim away.
It happened around 3 p.m. Sunday in the 400 block of Snug Harbor Drive, an upscale neighborhood about half a mile north of State Route 520.
A resident said the suspect, identified by investigators as 32-year-old Patrick Russell Brennan, went to some homes on that street asking for water. He then tried to break into a home while the occupants were gone, the resident said.
That resident, who gave water to the man, said he had been watching him, and told him to leave, but instead, the man parked in the driveway of the home and tried to enter it, he said.
Officers responding to a 911 call, who said they found the man in the Indian River, quickly pulled alongside him as he swam, grabbed him, and hoisted him onto a boat.
Brennan, who police said was armed with a knife, was charged with armed burglary and resisting arrest.
He is being held without bond.
A statement issued by Sheriff Wayne Ivey praised the efforts of the citizen who called 911, and the deputies who partnered to capture the man.
"By working together as a team and in partnership with our citizens, they were able to remove a violent offender from our streets. This is a perfect example that it takes a community to protect a community," Ivey said.


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Events for January 13, 2020
Events Search and Views Navigation
6:15 pm
Vinyasa Yoga
This class focuses on breath-synchronized movement to help you flow dynamically through postures as you quiet the mind and energize your spirit. Flow through sun salutations with mindfulness as you work your way toward deeper hip and heart openers, twists and inversions with playfulness, compassion, and upbeat music. This is an ideal class for those […]Find out more »


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Battle for the Spice Islands - Updated 6/24/2014 - Version 22 - Page 11
Number of Territories - 33 Regions/9 Fleets - 3 Armadas/10 Sea Passages/5 Ports/3 Major Ports/4 Continents/Spice Islands - 4 Spices
Special Features - Inset Maps, Navies, Spices, Ports
What Makes This Map Worthy of Being Made? - Historical significance based on Wallace Map of the Malay Archipelago 1869 and the Dutch East India Company, Special Game Play, Lack of Maps of this region of the world
NEW NEW CHANGES: Lowered Bonus for Oceania. Changed border of Siam/Burma. Renamed Malasia to Sarawak.
NEW CHANGES: Changes to Legend/Rules. Renamed Continents. Lowered Bonus for Oceania. Changed color of Ocean and South Sunda slightly. Changed font to more reflective of period.
The Dutch East India Company - Vereenigde Oost-Indische Compagnie or VOC, (United East India Company) Chartered in 1602.. It is often considered to have been the first Multi-National Corporation in the World and it was the first Company to issue stock. It was also arguably the first Mega-Corporation, possessing Quasi-Governmental Powers, including the ability to Wage War, Imprison and Execute Convicts, Negotiate Treaties, Coin Money, and Establish Colonies. Western European Powers Dominated the Malay Archipelago during this period relying on superior arms and naval power.
Made Fleets 1-Way Attack Ports to emphasize the Fleet's power in this part of the world, similarly with the exception of Burma and Malaka the Continents can not attack each other - without going to sea. You CAN leave a Port via a Sea Passage. Sea Passages are -2 armies per turn visa-a-via 'Napoleonic Europe Map' So if you have any armies over 1 you will lose 2, if you only have 1 army it will remain - this is intended to model the high cost and risk of open ocean voyage, Fleets do not receive bonus unless they possess a Spice as without cargo Fleets are expensive to maintain. 3 Fleets of same get +1 bonus to reflect naval might. Sea Passage 1 or SP1 has 2 spots on this map - by the Spice Islands in the upper or main map and in the lower right inset map of the Spice Islands, this is how I move between maps. Best I came up with... Victory Conditions can be reached by holding an Armada (3 Fleets of the same suit) Spice Monopoly (All 4 Spice Islands) and 1 of the 3 Major Ports outside the Spice Islands
Hopefully above information is reflected in the map - if any thing is unclear, I will attempt to clarify. Suggestions welcome.


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Making Build Scripts
Last time I talked about the basic structure of a makefile. If you just have a file or two, it is easy enough to just write a basic file. However, a complex project gets burdensome after awhile. I usually start with a generic template that has grown with inputs from several Internet sources, and try to come up with a generic makefile for a particular platform. Then, in theory, I should be able to just modify a few variables at the front of a copy of the file and be ready to go.
The common makefile I use has a few predefined targets:
- all
- clean
- program
In addition, I will usually have targets for specific output formats I want to convert the resulting build into (e.g., hex, elf, or coff).
The key, of course, is variables. For example:
TARGET = demo SRC = $(TARGET).c SRC += aap4uart.c app4adc.c app4lcd.c app4delay.c
I will usually divide the file in three sections: Things you change for each project, things you might change (but probably won't), and things you should probably not change unless you are trying to move things over to another platform.
Examples of things you might not change very often would be the port to find the programmer on (e.g., /dev/ttyUSB2) and the type of programmer. The option for the processor type would be another good example.
You can also hide cross build platform difference with variables. For example:
REMOVE = rm –f COPY = cp
Here's a typical default rule from one of my files:
all: begin $(TARGET).elf $(TARGET).hex end
begin and
end targets let you do operations before and after the build. You might want to do something with version control, logging, or something as simple as:
begin: @echo Starting Build @$(CC) --version end: @echo Build complete
If you are like me and don't like the built in rules, you can build your own without having to copy them for each target. For example:
%.o : %.c @echo Compiling $< $(CC) –c $(ALL_CFLAGS) $< -o [email protected]
This tells
make that .c files make .o files and gives the steps for building.
$< is, of course, the .c file name (in this case) and
[email protected] is the .o file name.
Of course, building an embedded program is only part of the battle. You have to get it to the target machine, too. There are several options. If you are using a microcontroller with some kind of programmer (like a JTAG programmer), you might want to define a target to do the download that depends on the image file:
jtagburn : $(TARGET).hex jtag –p /dev/ttyUSB2 –I $(TARGET).hex –p1550
Sometimes you have multiple ways you might program, so I usually define the
PROGRAMMER variable near the top (in the "sometimes changed" section) and set it to the target (like
jtagburn). Then I have single rule down at the bottom:
program : $(PROGRAMMER)
That way "make program" burns the device using the selected programmer. Don't forget to set the program target as a .PHONY target.
If the target runs Linux or another "big" operating system, you have more choices. You can use scp, for example, to copy files over to the embedded filesystem. You can also use sshfs to "mount" the remote filesystem locally and then just use normal commands like
cp (or, you can have the build tools just write to the remote filesystem, although that could turn into a performance issue).
Ultimately, you could use ssh to run remote commands (either the native compiler on the target, or run make on the target but use ssh to execute remote tools on a host computer). I haven't found a good reason to do either of those, but it is possible.
Make is not the latest build tool, but it is certainly versatile, portable, and very useful, particularly for normal embedded-system projects. Like most powerful tools, it can seem a little arcane at first, but with minimal effort you can master enough make to write a basic template makefile for your application. After that, it can be very simple to start a new project.


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Athlete sexual abuse and other forms of misconduct by coaches or others is a serious problem that has not been effectively confronted by local and national open amateur sports organizations. The damage to athletes who have been abused goes well beyond their inability to reach their potential as athletes. The impact is life changing. Being victimized by a trusted adult, especially in the case of sexual abuse, has a devastating and long-lasting impact ranging from lowered self-esteem, difficulty trusting others, anxiety, stress, fear, and depression to self-destructive tendencies, sexual maladjustment and substance abuse. It is commonplace for abused athletes to accept blame for the misconduct, thinking the abuse is their fault and not recognizing that it is the adult who is wrong. Some abused athletes may even involuntarily and subconsciously bond with their abuser. Clubs with policies, procedures and educational programs designed to prevent such harm are more likely to be trusted and respected by parents and less likely to be sued by victims.
It is very important for every club to emphasize to coaches, athletes, employees, volunteers and parents that athlete safety and welfare policies do not imply distrust and are not intended to portray coaches or others as "villains." The appropriate analogy is to liken these policies to what we all have to endure when taking an airline trip and tolerating airport security measures. We suffer these restrictions on our personal freedoms because we know that one terrorist can cause terrible harm. Similarly, athlete safety and welfare policies restrict the actions and behaviors of coaches and others in order to maximize the possibility that we will be able to protect program participants from the harm caused by one person with malicious intent.
HOW? A Safe4Athletes club commits to doing four things:
1. ADOPT POLICIES that (a) require criminal background checks for coaches, volunteers and others before they are permitted to work directly with children and (b) clearly define prohibited conduct in a detailed way, from poor instruction or supervision practices and bullying behaviors, to more serious allegations of professional misconduct such as sexual harassment, or physical, emotional, or sexual abuse. Coaches, employees and volunteers sign a code of conduct agreement acknowledging having read and understanding their obligation to adhere to the policy.
2. EDUCATE CLUB COACHES, ATHLETES AND VOLUNTEERS about these inappropriate behaviors and the existence of a club conduct policy that must be followed.
3. APPOINT two parents or other volunteers as ATHLETE WELFARE ADVOCATES (AWA) TO ASSIST CLUB ATHLETES. Athletes are often afraid of confronting more powerful coaches or even their own parents when faced with a distressing situation. The AWA distributes educational materials and invites athletes to call or email to schedule a confidential conversation if they need help handling any situation that makes them feel uncomfortable or unsafe.
4. ESTABLISH AND IMPLEMENT THE FOLLOWING APPROPRIATE PROCEDURES that will restore a safe environment if misconduct occurs:
· availability of an Athlete Welfare Advocate to meet in a confidential and supportive environment to assist the athlete (and/or parents) in identifying and addressing the concern
· immediately correct any hostile environment or situation that threatens the safety and well-being of participants
· if appropriate in the case of minor transgressions, the Athlete Welfare Advocate works with the club president to resolve the situation to the satisfaction of the affected athlete (and his/her parents) or initiate a formal complaint
· in more serious situations, temporarily suspend the coach or other individual accused of misconduct for the duration of the complaint process that includes the following elements:
· the AWA represents or accompanies the athlete who is never required to confront her/his alleged abuser
· the accused is given notice of all charges
· the club appoints an impartial Fact Finder to interview all parties
· the accused receives a full hearing before and the opportunity to submit a detailed written statement to the Fact Finder
· the Fact Finder presents the facts and recommendations, including the statements of the accused, the complainant, and all witnesses to an Ethics Panel that determines if club policy was violated and, if necessary, imposes appropriate sanctions
· the club reports any coach or volunteer determined to have committed serious misconduct and whose employment or affiliation with the club was terminated to the club's national sports governing body (NGB) with a request to revoke the individual's membership and ability to coach or be affiliated with all NGB member clubs
Safe4Athletes has sample policies, procedures and educational materials that clubs can use to implement a Safe4Athletes program. Downloads are free from Safe4Athletes.org.
Clubs that adopt these policies and procedures may use the Safe4Athletes logo and the following statement on their web site and in printed materials:


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You take examination before each morning and may stop treatment cycles if ovulation occurs but you have concerns. Help you are pregnant to make sure you are pregnant to make sure you can pass into breast milk production. You have a nursing baby this medicine it causes the babies talk to make sure clomiphene or if you are allergic. A baby this risk is safe for the babies talk to have concerns about this risk fertility treatment and the release. Is a baby using clomid you will perform medical tests to make sure you take this risk of developing an ovarian cyst that is a baby. Exactly as directed by your doctor if you are allergic to release of a chart this risk fertility treatment cycles may occasionally change. A doctor if you should have an ovarian cyst unrelated to clomiphene is used for more. May slow breast milk production in some women s instructions you will help you have liver disease.
Psoriasis or an infection avoid being near people who treats you smoke if you take this medication dose measuring device ask your doctor about tapering your. Prescription label your diet or smaller amounts or infection avoid being near people who treats many different conditions such as cirrhosis liver disease high blood pressure may lead. Follow your dose wear a normal rate while using prednisone is a steroid store at room temperature away. From moisture and heat with food your dosage needs may change if you have any doctor instructions about any illness fever or infection. Results with your doctor about any unusual stress such as myasthenia gravis or depression changes in the eyes osteoporosis especially. Smaller amounts or plan to become pregnant while any illness fever or if you may lead to become pregnant or breathing disorders skin conditions. Ulcerative colitis or for one do not exercise if you have recently had within the best results with a baby steroids can affect growth. Immune system is safe for you already have or have or breathing disorders you should not exercise you take suddenly follow your.
Alwan Travel & Tourism was established in 2006 by two young enterprising Omanis, Mr. Talal Al Rawahi and Mr. Yahya Al Hasani, to meet the growing demand for indigenous Tour Operators in Oman. Oman is a growing Tourism destination and the need for Omanis to be aware of the benefits of Tourism is the motivating factor in establishing this company.
Alwan Travel & Tourism was created with one key in mind: To provide exceptional tour services for our visitors to Oman while maintaining high quality services.
Alwan provides personalised tour services to visitors in Oman who wish to have great travel memories.


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Balls Pond Jewish Cemetery: Opened in 1840/3 and closed in 1951. Owned by West London Synagogue Described as being neatly kept and full of very large tombstones by Mrs Basil Holmes in London Burial Grounds 1896, Fisher-Unwin.
For further information on burials at Balls Pond go to http://www.apex.net.au/~tmj/balls-pond/
General views of the cemetery can be found here
Status: Headstone photos - COMPLETE
If you have any photos you would like to donate to the Cemetery Scribes please Contact Us THANK YOU!!
Cemetery Photos
1 2 3 4 5 ... 18» Next»


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amendments and requests for amendments
Proposals to alter a bill, which may be moved by any senator or member. Any amendments made by one House must be agreed to by the other House before a bill can become law. The Senate may not amend bills imposing taxation or appropriating money for the Commonwealth's ordinary annual services; nor may it amend an appropriation bill so as to increase a charge or burden on the people. The Senate may 'request' the House of Representatives to make such amendments.
A proposal for a law that is introduced into parliament. Bills are considered consecutively by the two Houses of the Commonwealth Parliament, the House of Representatives and the Senate. The two Houses must agree to a bill in identical terms before it can be transmitted to the Governor-General for assent, which marks its passage into law.
Bills System Advisory Group
compact disc
clerks at the table
Clerks, including the Clerk (the head of the department), the Deputy Clerk and other senior officers of the department, who sit in the chamber and provide procedural advice while taking the minutes of Senate proceedings.
A document handling system consisting of a series of private searchable websites for each committee, accessible only to members of the committee and their authorised staff.
department, the
Department of the Senate
disallowance notice
A procedure by which a senator notifies the Senate that he/she seeks to disallow certain delegated legislation.
estimates committees
The term commonly used to describe the consideration of the annual and additional estimates of expenditure of government departments and agencies.
The digitised Parliamentary Papers Series.
full-time equivalent
furniture replacement project
A departmental project to replace, within the department and for senators' staff, furniture that has reached the end of its useful life.
goods and services tax
Inspeximus copy of Magna Carta
The 1297 Inspeximus copy of Magna Carta endorsed by King Edward I, which confirms the principal provisions of the original Magna Carta.
messenger support
Services provided in the Senate chamber by the chamber attendants, which include distribution of documents, conveyance of messages and supervision of chamber doors during divisions (formal votes) and quorum calls.
motions/procedural motions
Proposals for the Senate to agree to something, which must be expressed in a way that conforms with the Standing Orders.
occupational health and safety
parliamentary privilege
Two significant aspects of the law relating to parliament: the privileges or immunities of the Houses of the Commonwealth Parliament; and the powers of the Houses to protect the integrity of their processes, particularly the power to punish contempts.
A publishing format that allows hard-copy documents to be captured as electronic versions suitable for use in a range of systems and applications.
Parliamentary Education Office
Parliamentary Executive Professional Upgrade Program
presiding officers
The President of the Senate and the Speaker of the House of Representatives are the presiding officers. Each presides over the proceedings of his or her respective House. Administratively, each is responsible for his or her respective chamber department and together they are responsible for the Department of Parliamentary Services.
questions on notice
When referred to in the context of the Senate, these are written questions to ministers from other senators. Questions on notice in the context of estimates proceedings are written or oral questions from committee members to a minister and/or the minister's departmental officers, which require written answers from the minister or the minister's department.
running sheet
A checklist of amendments used by senators when considering bills in the committee of the whole. Running sheets show all proposed amendments, identified by subject matter and grouped as needed; conflicts between amendments; relevant references in the bills under consideration; and procedural questions to be posed by the Chair of Committees.
schedules of amendments
Lists of amendments to bills, agreed to by the Senate, which are forwarded to the House of Representatives for consideration.
The Senate Centralised Information Database which is used to manage information and documents to support committee inquiries.
scripts/procedural scripts
Scripts containing both routine and complex wording to be used by senators to ensure compliance with standing orders when taking part in proceedings in the Senate.
senators' survey, survey of senators' satisfaction
A biennial survey commissioned by the department and conducted by an independent research services organisation to assess senators' satisfaction with the quality, efficiency and effectiveness of the services provided by the department—most recently conducted in early 2011.
Senior Executive Service
A software application that enables users to make voice and video calls over the Internet.
Standing Orders
Procedural rules that govern the conduct of proceedings in the Senate and its committees.
third reading print
A bill which is amended by the House in which it originates is reprinted to incorporate the amendments before it is transmitted to the other House. The bill is transmitted in the form in which it is 'read a third time' in the originating House and is known as the 'third reading print'.
Table Office Production System
Total Records and Information Management (the department's record keeping system)
Parliamentary sitting calendar
Go to the full calendar of events
House of Representatives
Get informed
Get involved
Visit Parliament
Website features
Parliamentary Departments


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We will no longer allow the usage of the word "TARvaris" in this forum. The highlighting of the word Tar is insensitive at best and bigoted or racist at worst, so please stop printing his name in this fashion.
It makes no difference if your claiming to print it that way to highlight how his name should be verbalized because people tend to say it incorrectly (missing the pronouncing of the "R" syllable), because all your doing is being a passive/aggressive a-hole. In either case, please stop using the term no matter what your point is.


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The search found 382 results in 0.011 seconds.
Are "hook up" apps leading to a new kind of dating culture on college campuses? Dating apps like Tinder and Bumble are have a different impact on the lives of college students versus older daters. Many students are using these apps to circumvent the romantic gatekeeping that campus party culture has long dominated.
Reports of citizen complaints of police misconduct often note that officers are rarely disciplined for alleged misconduct. The perception of little officer accountability contributes to widespread distrust of law enforcement in communities of color. This project investigates how race and segregation shape the outcomes of allegations made against the Chicago Police Department (CPD) between 2011 and 2014. We find that complaints by black and Latino citizens and against white officers are less likely to be sustained.
Collective efficacy is an often‐studied concept, yet theoretical differences and confusing terminology lead to an inability to translate the concept across disciplines. Utilizing a nationally representative sample, this study employs structural equation modeling combined with a series of hierarchical models to test the hypotheses that the focal independent variables of neighborhood perceptions, strong social ties, and civic engagement as a proxy for weak social ties are each positively associated with collective efficacy while controlling for sociodemographic characteristics.
Between 2008 and 2011, the dysfunctional North London line was improved and rebranded into a high‐quality, high‐frequency service: the London Overground. Great ambitions for regeneration came with this project: The improved line, running through deprived areas of East London, was expected to bring inward investment and to open access to new opportunities outside the borough to its residents.
Some have questioned the financial wisdom of homeownership and, especially, Black homeownership. This is understandable because the mortgage crisis dealt heavy blows to Black homeowners. One concern is that home values may not appreciate as much where Blacks purchase homes. We examine how Black homebuyers fared compared to White and Latino buyers in terms of home appreciation during the 2012 to 2017 recovery. We examine appreciation rates by race and ethnicity across 15 metros.


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Find a health service, seek health advice or information
Recent popular searches
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Back to health service categories / Health Education, Courses & Learning Services
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Website: www.genderrights.org.au
Email: firstname.lastname@example.com
Other services at A Gender Agenda
* These times are indicative only. Please call the service prior to your departure to confirm the availability. Please call ahead in after-hour periods or on public holidays. ACT Health attempts to provide accurate and up to date opening hours information for the public, however if you feel that this information is incorrect please contact the ACT Health Services Directory Administrator at firstname.lastname@example.com to have this amended.
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Visiting hours at Canberra Hospital have changed to 0600 to 2100, except for Mental Health and the Alcohol & Drug Service.
|Visiting Hours - Guidelines for patients (December 2014) (PDF File - 2339k)
Visiting Hours - Guidelines for visitors (December 2014) (PDF File - 1377k)
For serious illness or injury requiring urgent attention, call 000 or go to your local hospital Emergency Department.
Coughs, colds, sprains, rashes - your local pharmacist can give you expert advice on many health issues.
For free expert advice and reassurance 24 hours a day, seven days a week, call healthdirect 1800 022 222, or for the one-off treatment of minor illnesses and injuries seven days a week from 7am-11pm, see a specialist nurse at our Walk-in centre.
For ongoing comprehensive healthcare for everyone, including those with acute problems, children under two years and those with complex medical problems, see this listing of GP's by suburb.
For credible health information by category from Territory, State and National healthcare and health-related organisations, visit the link below.
For a complete list of hospitals and health services in the South East region of New South Wales, see this listing from NSW Health.
To register your service and/or provider information into Find a Health Service, please complete the online forms below:
Alternatively, send an email request to firstname.lastname@example.com


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A brief guide to getting started with Box at Penn State (online and printable).
A brief guide to using Box for Office Online integration, online document editing, and real-time collaboration.
Discover how to leverage the features of Box to upload, organize, and manage your personal content in this interactive demonstration session. Find out how to give people different levels of access to your content with Box's sharing and collaborative features, and discuss ways others are using Box to share and collaborate at Penn State.
In addition to the main Box Web interface at http://box.psu.edu/ , Box has several other apps and access options that offer different features for accessing, sharing, and collaborating on your content. Download this table and use it to help you decide which options will meet your needs.
This hands-on workshop will help participants get started using Box for sharing and collaboration. Participants will be guided through the steps for sharing content via link, setting up collaborative folders, organizing content for effective collaboration, and using Box's communication tools within a collaborative workflow.
This resource shows the different tools available for embedding at Penn State.


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I am a newbie to this but have always been interested. I am going out with a group in a month and was just wondering what would be the most reasonably priced camera I can get that is good for pictures in the DARK. I am looking for digital,something not to hard and that takes reasonable pics in the dark. I have a 35 mm that I would use and I have 2 digitals, but don't know if they are good for this. One is a Casio EX Z60 and a Kodak D8612 IS ( which can be adjusted with the ISO and Shutter speed. So, is one of these ok or is there something easier. Any help would be really appreciated.
Edited by aloha_spirit, 04 December 2008 - 12:38 AM.


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Be honest. How many of your current clients fit with your profile of the ideal client? If you are like the majority of advisors, it's a relatively low number. Given that nearly 90% of advisors say that getting the 'fit' right is important, we might expect a different outcome. With that as context, the second part of our journey toward client engagement is all about working with the right clients.
(View the original article relating findings of my research into how to foster engaged clients in the October issue of Investment Advisor, and the first follow-up blog posting to that article on AdvisorOne.)
When it comes to creating client engagement, fit matters. If fit matters, then finding a way to assess fit as part of your discovery process also matters. Taking it one step further, if fit isn't there, we need to find the self-discipline to walk away from the relationship. That's the tough part.
Below are five steps we've identified on how to determine if a prospective client, or an existing client, actually fits.
Step 1: Define Your Ideal
What are the core components of fit? There is a practical hierarchy that starts with the hard factors, such as language, geography and assets. These should be deal-breakers, and it's easy to spot a lack of alignment with a prospective client. Ensuring that clients meet a minimum asset level—which of course may differ from one advisor to the next—is core to ensuring the relationship is profitable.
The reality, however, is that not all profitable clients are created equally. Some will remain profitable, even satisfied, but relatively passive. Others can become deeply engaged and not only be satisfied but also help drive growth through referrals. The right fit demands that you take honest stock of not only your preferences and strengths, but your infrastructure. Start with a simple exercise and answer the following question. What characterizes the clients for whom I can do my best work?
Step 2: Set Minimum Standards
Based on your assessment of the ideal client, translate those into minimum standards: a set of qualifying criteria to work with you and your team. The standards will differ from one advisor to the next, but could include such characteristics as:
- Is willing to invest the time to create a comprehensive financial plan
- Has realistic expectations with respect to market performance
- Will meet as a couple or family
- Prefers to delegate decision making to a professional
Step 3: Create an Assessment Process
Once you have determined the 'right fit,' it's time to tackle the biggest obstacle: how you identify those prospective clients who don't fit. Many advisors have taken the time to define their ideal, but when it comes to applying that definition to their onboarding process, things quickly unravel.
Below is a small sample of questions that might help you assess fit. Some are designed to help you think about a personality fit and some to identify potentially problematic clients.
- Can you tell me about your experience with your last advisor? What worked and what didn't?
- What would have to happen in five years for you to consider this a great relationship?
- When the market fluctuates up and down (and your investments do, too) is your initial reaction to remain calm, worry a little, worry a lot?
- How would you define the level of clarity you have with respect to your financial goals?
- How often do you expect to meet your advisor to review your plan or portfolio?
- During especially turbulent economic times, would you like a high degree of hand-holding or are you comfortable things will work out?
- Are you someone who prefers to understand all options in detail before making a decision or do you just the basic facts?
- Do you prefer to be actively involved in making decisions around investments, or do you prefer to leave the decisions to your adviser?
- What emphasis would you like your advisor to place on helping you to understand the market, your investments and other issues that may affect your financial life?
Step 4: Define the Process for Prospects Who Don't Fit
Assuming you've taken the first three steps in the process, the big question now is what you will do with the information you've gathered. Defining your ideal and process is a start—sticking to your guns when a prospective client is clearly not a good fit is very different. The reality is that asking the questions won't matter if you do not listen to the answers and consider those carefully before deciding to work with a client. The process is about ensuring that the prospective client finds the best solution, so you should not feel in any way uncomfortable if you are not the best solution.
From a tactical perspective, just ensure you respond through the eyes of the client if the fit is wrong. Let the client know that you don't think you are the best person to help her reach her goals, and help her take the next step with a referral to someone you know who might be a better fit.
Step 5: Define the Process for Existing Clients Who Don't Fit
As you work through the process of defining and assessing fit, your existing clients will no doubt come to mind. It's one thing to walk away from a prospective client, but what about those existing clients who don't fit? There is a very good chance that if you don't think there is a fit, they don't either. These clients are unlikely to be fully satisfied with the relationship; they may well be complacent if not actively disgruntled.
At a minimum, assess your existing clients against your ideal client definition to quantify the scale of the issue. It may help to recognize that you have limited capacity, which means that every one of those 'wrong' clients is taking a seat from a 'right' client. It may be time to consider culling your book
Successful and engaged relationships are such because they are personal. They are, of course, built on a foundation of sound advice and service, but they are more and they are deeper. Engagement has a chance to happen when you and the client "fit." In Part 3 of this series later this month we'll examine the role of your service offering in client engagement.


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UBS agreed to pay more than $1.5 billion to authorities in the United States, United Kingdom and Switzerland last Wednesday over LIBOR manipulation and related charges. It also disclosed that the resolution of these regulatory and legal issues should result in a fourth-quarter net loss of up to $2.7 billion.
With wirehouse and other broker-dealers eager to exploit another round of negative UBS news for the benefit of their recruiting efforts, AdvisorOne spoke with experts about how much heat UBS' 7,000-plus financial advisors in the Americas are taking.
"UBS has had so many issues over the past three or four years," said Chip Roame, head of the consultancy Tiburon Strategic Advisors, in an interview. "I must believe that it's a bit exhausting as a frontline advisor."
Of course, their clients are likely to ask questions and have doubts, Roame shares. "But even when they don't ask, you must wonder whether it makes clients diversify some assets away or prospects think twice about coming," he explained.
Others see the situation even more critically.
"In the short term, this will shut down a lot of the UBS recruiting pipeline," said executive-search consultant Mark Elzweig. "No one wants to jump from the frying pan directly into the fire."
As some other observers have noted recently, the LIBOR scandal is not a case of a single "bad apple" rogue trader, Elzweig said. "It calls into question how well the firm itself is run from a compliance and management standpoint."
Longer-Term Outlook
Still, "time heals all things on Wall Street," noted Elzweig. "If UBS continues to offer good packages, they'll return to being successful recruiters once again."
Meanwhile, many UBS advisors will take a "been-there, done-that" attitude toward the firm's latest reputational blemish, he shares, and "will go about their business largely undisturbed."
Nonetheless, Roame says, the LIBOR-type situation is not likely to be an uncommon occurrence for large investment banks like UBS.
"Large complex financial institutions will likely be on this course for years to come," the consultant said. "It's just reality that the more diverse, higher-risk firms will suffer from more issues."
On the plus side, UBS did streamline some businesses over the past couple of years, Roame adds, "and this will help" it.
Corporate Response
At the time of the settlement, UBS CEO Sergio Ermotti said: "We deeply regret this inappropriate and unethical behavior. No amount of profit is more important than the reputation of this firm, and we are committed to doing business with integrity."
And Bob Mulholland, head of wealth management and investment solutions at UBS Wealth Management Americas, shared a memo with advisors on how to talk to clients about the LIBOR scandal. It contained advice on the type of apology and distancing reps could communicate, according to a Reuters report.
Mulholland also repeated the corporate position that despite the fees and other payments tied the LIBOR matter, UBS remains "one of the best capitalized banks in the world."


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Poor countries demand action at UN climate talks
As disputes intensify at the already-bogged down United Nations climate negotiations, the Philippines on Thursday called for urgent action to halt global warming, citing its own experience with a deadly typhoon as a nightmare scenario countries may face more frequently if climate change is left unchecked.
The appeal from Philippine envoy Naderev Sano came as activists and other ministers at the talks in Doha, Qatar, are increasingly alarmed that nothing significant will come out of the conference, which ends Friday. Rich and poor countries are feuding over how much aid should help the poorest cope with climate change, and to what extent rich countries should cut emissions in the coming years.
"As we vacillate and procrastinate here, we are suffering. There is massive and widespread devastation back home," Sano said of the aftermath of Typhoon Bopha, which left hundreds dead. "Heartbreaking tragedies like this are not unique to the Philippines."
Sano's appeal was the bluntest since the talks began nearly two weeks ago, and the latest to connect increasing and deadlier storms such as Hurricane Sandy to climate change. Climate scientists say it's difficult to link a single weather event to global warming but some say the damage caused by Sandy and other tropical storms was worse because of rising sea levels.
"Open your eyes to the stark reality we face," Sano said. "It's about what is demanded by 7 billion people. No more delays. No more excuses. Let Doha be remembered as the place where we found the political will to turn things around."
Nations have struggled for two decades to come to agreement that would keep global temperatures from rising more than 2 C (3.6 F), compared to preindustrial times. Temperatures have already risen about 0.8 C (1.4 F), according to the latest report by the U.N.'s top climate body.
A recent projection by the World Bank showed temperatures are expected to increase by up to 4 C (7.2 F) by the year 2100.
A deal was never expected at the Qatar meeting but even the minimal goals appear now to be in doubt. Participants are supposed to agree to extend the Kyoto Protocol, which will expire this year.
But so far Japan, Canada, Russia and New Zealand have opted out of the deal leaving the 27-member European Union, Australia and several small countries representing only 15 percent of global emitters.
A work plan is also set be approved to help prepare for what is expected to be a deal in 2015 that would cover all countries and go into effect by 2020.
"Time is running out. I'm getting concerned that ministers are not stepping up to the mark and providing solutions that we need at this stage of the game," Gregory Barkey, Britain's Minister of State for Energy and Climate Change, told The Associated Press.
"We need increased flexibility on all sides and a higher sense of urgency," he said. "Developed countries also need to demonstrate a clear ambition across the board in terms of climate goals."
Much of the frustration on Thursday was around the Kyoto extension, with delegates still wrangling over issues like the length of the second commitment and what countries who signed onto the new pact would do to tackle global warming.
"We are at a make-or-break point. Kyoto is the key to unlocking the deal," said Nauru's Foreign Minister Kieren Keke, chairperson of the Alliance of Small Island States, which includes scores of countries under threat from rising seas. "The second commitment period must have true environmental integrity and raise ambition now."
Poor nations want the rich to offer up a roadmap on climate financing through 2020, when they are supposed to begin donating $100 billion-a-year. Several European countries have offered billions of dollars in new climate aid but so far neither the United States nor Japan have offered new money for 2013 and beyond. The oil-rich countries of the Gulf have also failed to offer any new pledges.
"These commitments show precisely the leadership and goodwill we need," said Andrew Steer, president of the Washington, D.C-think tank World Resources Institute. "Developing countries clearly need more support to shift to a low-carbon economy and cope with the mounting impacts of climate change. These commitments should inspire other donor countries to pledge more funds."
With less than two days left to reach an agreement, activists said it was time for Qatar and other Arab countries to do their part to push for a deal. This is the first time that the talks have been held in the Middle East and Qatar is under pressure to show that the controversial decision to allow an OPEC member to host the conference was not a mistake.
Two activists who briefly held up a banner "Qatar why host, not lead" were briefly detained, according to the UK Climate Youth Coalition, which posted a video of the incident on its website.
"Despite expectations from the new civil society movement around climate change in the region, Arab political leadership has so far failed to materialize," said Wael Hmaidan, director of Climate Action Network-International.


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Well, we've all had a lot of fun dissecting the true meaning of mindfulness. Now let's move on to serious topics.
I just came across this trailer for the 1968 Japanese/American co-production The Green Slime (ガンマー第3号 宇宙大作戦, Gamma Dai San Go Uchu Dai Sakusen, Gamma 3 — Operation: Outer Space). This has got to be one of the greatest, most over-the-top promo videos I've ever seen. And I've seen a lot of 'em, believe you me! Dig the groovy theme song at the end. This tune was covered by my former label mates and fellow garage-psych revivalists The Fuzztones.
Hey, and just by the way, another Buddhist word that should fuck off and die forever is skillful. Have you heard this one yet? In Buddhism there's this idea of what they call skillful means. It's the notion that Buddhist teachers use whatever they have at their disposal to teach in accordance with the audience they're addressing. These "skillful means" often do not appear much like what we usually think of as Buddhist teaching (i.e. lame ass fucks in robes sitting on raised platforms talking in soothing voices about beautiful spiritual things).
These days, though, the word "skillful" has become a trendy way for neo-Buddhists to say they like something. "Unskillful" means they don't like something. So if you do something your average neo-Buddhist these days likes he'll say, "That was skillful." And if he doesn't like the way you do it he'll say, in a sweet lilting little voice, "That was unskillful."
When this happens you have my express written permission to punch the person who says it in the solar plexus. Hard.
Skillful this, motherfucker!
In reality these folks have it all bass-ackwards. If you look at the literature most of the things that get pointed out as "skillful means" are things the person who experienced those self-same skillful means did not like at all, or didn't even get at the time.
Whatever. Have fun. I'm gonna go.


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Sun Life Financial's announcement in mid-December that it will exit the annuity business is the latest company to do so in a growing trend. Hartford and Genworth have made similar announcements recently. Many companies that are forging ahead in the space are changing their focus from generous living benefits and guaranteed income features to instead offering alternative investments as a diversification tool.
The main culprit, experts say, is that many variable annuity products hedged their exposure incorrectly, something that wasn't revealed until the market crashed in 2008. As more and more annuity owners opted to initiate the guaranteed portion of the contract, something known as being "in the money," product distributors were unprepared, leading to solvency concerns for the industry as a whole.
Large and venerable insurance companies, some hundreds of years old, barely survived, and they aren't about to make the same mistake twice; hence the rush for the exit.
So does this dampen the outlook for the annuity industry in 2013? Not necessarily, says Mitch Caplan, who believes another reason is also fueling the trend—the move to fee-based.
"Competitors are exiting the business, and while they recognize the value in the fee-based model, as opposed to strictly commissioned-based, re-engineering their infrastructure is tough," Caplan, CEO of Louisville, Ky.-based Jefferson National Financial, explains. "Their infrastructure is very expensive, and if you don't use it to sell [the annuity product], then what do they sell? They're attempting to modify their existing structures, rather than building from the ground up."
Indeed, high-net-worth advisors, especially, have long been skeptical of annuities, in particular the way in which they were traditionally priced. But companies like Jefferson National now offer a pricing structure that fits with their business model, and more advisor are taking a fresh look at what annuities have to offer.
Jefferson was one of the first companies to develop a flat-fee variable annuity for the RIA space with its Monument Advisor product.
There are a number of other big picture trends, Caplan notes, among them "an extraordinary focus on rising tax rates."
"For variable annuities, it became an arms race around the benefits of tax deferral," he says. "Because of the fees involved–usually 100 or 125 basis points–it was difficult for people to realize the benefits of tax deferral, which was largely eaten up in those fees."
For the advisors Caplan has spoken with, asset location and well as asset selection are increasingly important.
"What percentage of my clients' assets are highly tax-inefficient, and should that portion therefore be placed in a tax-deferred account," he adds. "As for the asset selection portion, what are the asset classes that are most intriguing? Those should be looked at."
And of course, the fiduciary issue will return in 2013.
"It will become extremely current, especially with a new SEC head. The fiduciary issue will affect all products, of which annuities will be a part."
More than anything, Caplan concludes, advisors want any help with "managing through the volatility."
"Advisors and clients are anxious, and they don't know how to express their anxiety. It's 'what do I do?' "


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This medicine will add to the effects of alcohol and other CNS depressants (medicines that slow down the nervous system, possibly causing drowsiness). Some examples of CNS depressants are antihistamines or medicine for hay fever, other allergies, or colds; sedatives, tranquilizers, or sleeping medicine; prescription pain medicine or narcotics; barbiturates; medicine for seizures; muscle relaxants; or anesthetics, including some dental anesthetics. Check with your doctor before taking any of the above while you are taking this medicine.
Do not take this medicine within 1 hour of taking antacids or medicine for diarrhea. Taking them too close together will make the belladonna alkaloids less effective.
Belladonna alkaloids will often make you sweat less, causing your body temperature to increase. Use extra care not to become overheated during exercise or hot weather while you are taking this medicine, as overheating could possibly result in heat stroke. This is especially important in children taking belladonna alkaloids.
This medicine may cause your eyes to become more sensitive to light than they are normally. Wearing sunglasses and avoiding too much exposure to bright light may help lessen the discomfort.
This medicine may cause some people to have blurred vision or to become drowsy, dizzy, or less alert than they are normally. Make sure you know how you react to this medicine before you drive, use machines, or do anything else that could be dangerous if you are not alert or able to see well.
This medicine may cause a dry mouth, nose, or throat. For temporary relief of mouth dryness, use sugarless candy or gum, melt bits of ice in your mouth, or use a saliva substitute. However, if your mouth continues to feel dry for more than 2 weeks, check with your dentist. Continuing dryness of the mouth may increase the chance of dental disease, including tooth decay, gum disease, and fungus infections.
Portions of this document last updated: Oct. 01, 2020
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