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The "Global Automotive ESP Market" seems to be exceeding segmented with an approach of top-level competitors. This market explores report will empower customers to recognize new development opportunities and plan remarkable development systems by giving a thorough investigation of automotive esp market competitive landscape and offering detail data on the products offered by organizations.
The research report on global automotive esp market estimates the development patterns of the business through elapsed investigation and evaluations of future prospects dependent on complete research. The report wisely gives the market share, development, patterns and guidelines for the period 2012 to 2028. The report gives key measurements on the market status of the global Automotive ESP and is a profitable wellspring of course and direction for organizations and people intrigued by the business.
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The report utilizes SWOT examination for the development appraisal of the exceptional global automotive esp market players. The primary vital manufacturers included in this report are Bosch, Denso, Fujitsu Ten, Continental, Autoliv, Delphi, ZF, Valeo, Hella It offers profitable data, for example, product contributions, revenue division, and a business report of the instructing players in the global automotive esp market.
Top Reported Manufacturers in Global Automotive ESP Market:
- Bosch
- Denso
- Fujitsu Ten
- Continental
- Autoliv
- Delphi
- Valeo
- Hella
Global Automotive ESP Market Key Types Segmented:
- 2-Channel
- 3-Channel
- 4-Channel
Global Automotive ESP Market Key Applications Segmented:
- Sedan & Hatchback
- SUV & Pickup
Focused Key Region in Global Automotive ESP Market:
– North America Automotive ESP Market (The United States, Mexico, and Canada)
– Europe Automotive ESP Market (Germany, Russia, UK, France, and Italy)
– Asia-Pacific Automotive ESP Market (China, Korea, Japan, India, and Southeast Asia)
– South America Automotive ESP Market (Brazil, Colombia, Argentina, etc.)
– The Middle East and Africa Automotive ESP Market (Saudi Arabia, South Africa, UAE, Egypt, and Nigeria)
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Table Of Content Topics Covered:
Segment 01: Executive Summary
Segment 02: Scope Of Automotive ESP Market Report
Segment 03: Automotive ESP Market Landscape
Segment 04: Automotive ESP Market Sizing
Segment 05: Five Forces Analysis
Segment 06: Automotive ESP Market Segmentation By Technology
Segment 07: Customer Landscape
Segment 08: Geographic Landscape
Segment 09: Decision Framework
Segment 10: Automotive ESP Market Drivers And Challenges
Segment 11: Automotive ESP Market Trends
Segment 13: Automotive ESP Market Vendor Analysis
At last, the Automotive ESP market report makes some critical recommendations for another task of the global automotive esp market Industry before assessing its achievability. Generally speaking, the report gives a top to bottom knowledge into 2018-2028 global automotive esp market industry covering extremely imperative parameters.
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Global Digital Thread Market Research Report Analysis, Growth Factors Details, Trends and Forecast 2028
Global Submersible Pump Market Is Expected to Show Significant Growth Over the Forecast Period 2019-2028
Global Automotive Ignition Switch Market Analysis and Industry Outlook 2019-2028


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subset: commoncrawl


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Home - Collections - Sofas - Step
Solid and comfortable appearance for Flexteam's Step Flexible sofa bed version, suitable for modern living. Flexteam's Flexible sofa bed in modern style perfectly refines our spaces. Salotti can be characterized with different finishes, to match them with refined pieces. The elements of the Salotti are to be chosen to offer the comodit indispensable for our rest. The Salotti are an area of u200bu200bthe foreground, to be furnished with care.


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The amount of condition spam and boon spam there is in game currently. Do you guys think Arena Net should limit how many boons or conditions a player can have at a time? For example a player willl be limited to 5 boons and conditions. To get new boons older boons needs to get converted and to get new condis older one needs to get cleansed first.
We already are. Boon we giveth and others come and strip-eth away lol
"Love thy enemy, for without them there would be no WvW."
no, sounds like more or less rng wich boons / conditions you will have then. like i play mainly thief when i roam and a guard passes by giving me protection, resistance, stability, swiftness and retaliation for instance then how am i to get my might and fury - i dont even need the other boons and no letting my self get hit by corrupts is not really a valid option.
i am all for limiting spamm of boons, aoe dmg being condi or power, healing, blocks, evades etc. but that has to be done by skill/trait changes for wich we need a skill split probably from pve and not the way you propose.
It's not the number of different boons/conditions that needs capped, it's the total stacks and damage/benefit per stack that needs a nerf.
Or condi cleanses need a boost to counter scourges farting out condis like there's no tomorrow...
If you tune down bonn and condition you should tune down power too .... scourge are a problem only when they are 2 ... if you are 1 vs1 against a scourge, many classes can killl him . instead when there is more than 1 scourge it becomes really hard for aoe
No. Keep in mind if you do this, it'll also affect PvE play. Unless the separate PvP and PvE updates, that's the price you pay. It's already bad enough what they've done with boons and their durations.
No longer posting or playing.
@Ardenwolfe.8590 said:
No. Keep in mind if you do this, it'll also affect PvE play. Unless the separate PvP and PvE updates, that's the price you pay. It's already bad enough what they've done with boons and their durations.
We already have skill split between pve and wvw, i believe we should limit both boon and condition, give both a very hard cap.
@Crossaber.8934 said:
We already have skill split between pve and wvw,
Source please.
No longer posting or playing.
@Ardenwolfe.8590 said:
@Crossaber.8934 said:
We already have skill split between pve and wvw,
Source please.
The last patch notes had some of these splits in the class abilities like : "Desert Shroud: Torment stacks per hit have been adjusted from 2 stacks for 4 seconds to 1 stack for 10 seconds in PvE. The PvP and WvW version has been adjusted from 2 stacks for 2 seconds to 1 stack for 5 seconds."
But no on the dropping boons, we already can't manually remove the boons we have and I don't want to worry about some random dropping my prefered boons off during a fight
-Balwarc [ICoa]
Interesting. Thank you.
No longer posting or playing.
No, but limiting how many different boons/conditions can guardian/necro give would be better IMO. What I mean by this is nerf skills which pulse/apply stupidly high amount(intensity) of boons/conditions and limit access to certain boons/conditions (guard has access to every boon and necro only lacks source of confusion, excluding corrupting retaliation). Even though both builds excel only in groups and they counter each other very well, it's still too big of a powercreep, especially in spvp.
Limiting amount of boons/condies players can get would make traits and skills which rely on number of boons/condies rather useless. It also adds unnecessary RNG to applying, stripping and corrupting boons/condies.
Deso's favorite FROG
Master of afk and kiting
The God of Pips and Gud Deeps
Froggo himself
its not how many you have , which is dependent on how you play, its skills applying 3+ with low cd that's the issue


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A COLLECTIVE of North Walian Gilbert and Sullivan enthusiast will bring a trio of powerhouse performances to Eglwysbach, Llandudno and Llandudno Junction this week.
The Rhos-on-Sea Savoyards a will revive the Victorian collaborative comic opera Iolanthe, or, The Peer and the Peri to Aberconwy Hall on Thursday, June 6, the memorial Hall on Friday 7 and the Trinity Centre on Tuesday 11 at 7.30pm.
Taking their name from 'Savoy' style theatre, the art form perfected by dramatist WS Gilbert and the composer Arthur Sullivan.
In the operetta, the fairy Iolanthe has been banished from fairyland because she married a mortal while her son, Strephon, is an Arcadian shepherd who wants to marry Phyllis, a Ward of Chancery.
All the members of the House of Peers also want to marry Phyllis, and when Phyllis sees Strephon hugging a young woman - not knowing that it is his mother - she assumes the worst and sets off a climactic confrontation between the peers and the fairies.
First performed in 1882, the work's themes are still apt theses days with a satirical bite that skewers many aspects of British government, law and society.
Tickets to catch this timeless operetta are £7 for adults and £3 for children, available on the door.


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Capcom has recently started an official Twitter account for Mega Man. This move seems to be part of the apparent Mega Man anniversary celebration Capcom claims will stretch into next year. It has also been stated that fan reception of Street Fighter X Mega Man will be used to gauge how Capcom will handle the next year in regards to Mega Man meaning they really don't have anything pre-planned. Honestly, this is the most erratic handling of an anniversary for a game ever. It seems as if there are a few people in the company who have passion for the Blue Bomber and want to please the fans but Capcom is giving them zero resources or support to do so. My prediction is that Capcom will simply leech off of fan works much like SFxMM to buy themselves time and see where they can make money from said works. This is on display with the Mega Man Xmas video recently released by the company on YouTube. The video simply strings together snow level footage from throughout the series with an 8 bit Christmas tune which ironically was taken from a fan work without initially giving credit (This was later corrected). The video ends with a graphic showing Street Fighter X Mega Man as their gift to the fans which is pretty ballsy considering it was entirely a fan made effort that Capcom is taking credit for.
What a lot of people don't understand is that while Mega Man has always been a safe and dependable franchise, it has not been the cash cow Capcom would like. Allow me to layout the situation with Capcom's own numbers. For the sake of comparison, I am using the 3 current franchises Capcom has focused on almost exclusively for the last few years versus the entire Mega Man series.
- Resident Evil: 77 Titles (55 Million Units Sold) Series has only 6 core numbered entries
- Street Fighter: 76 Titles (33 Million Units Sold) Series has only 4 core numbered entries
- Monster Hunter: 22 Titles (21 Million Units Sold) Series has only 4 core numbered entries
- Mega Man: 129 Titles (29 Million Units Sold) Franchise has 35 core numbered entries across 7 independent series
The numbers don't lie, when you consider that most Mega Man games are individual titles and not rehashes and ports like the other 3 franchises, it is now much clearer why the more money hungry Capcom of recent years shows little to no interest in the Blue Bomber. Mega Man was a safe dependable brand that helped build the company but Capcom is now more interested in easy, multi-million selling franchises that can be milked to death through paid DLC. Capcom is no longer the company it was even 3 years ago in relation to fans and its franchises. On one hand, it's hard to blame them with the industry changing so drastically and major studios either closing or being gobbled up by larger companies but there is something to be said about fan loyalty and support. Street Fighter 4 would not have happened if not for the intensely loyal fan community and the passion of the development team. Capcom, now a shell of its former self, feels like a company who operates primarily on sales statistics and profit motive with few projects showing any real passion simply existing to cash in and move on to the next sequel or DLC. This is further showcased by the failures of Resident Evil 6 and Operation Raccoon City prompting the company to consider quick porting the amazing 3DS game Resident Evil: Revelations to the big consoles and PC in digital form to recoup losses.
This analysis of the company could prove to be wrong in the long run but with many key people who helped make Capcom what it was now gone, I don't see a bright future for the company in terms of new brands and fan loyalty. Instead, I see the insanely creative, fiercely loyal and ever vigilant fan community taking the torch and furthering this fan driven franchise in the future with Capcom allowing it to happen until they have a need for the franchise again. Funny thing is, this is one franchise where the fans really should be given the reigns considering the care and passion which permeates the MANY works out there. What are your thoughts, should Capcom step up and officially hand this series to the fans and simply assist in releasing the works while splitting profits with fans where appropriate? It may be an unlikely scenario but could change the face of the industry for the better. Please comment below.


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Greyfriars Asset Management LLP
Under investigation 01 October 2018
You might be eligible for compensation
Greyfriars Asset Management (Greyfriars) was placed into administration in October 2018.
FSCS began accepting claims against Greyfriars in February 2019.
Greyfriars offered Discretionary Fund Management (DFM) services to its clients. Claims submitted to FSCS against Greyfriars typically relate to a number of investment portfolios offered by Greyfriars. The portfolios were numbered one to six. The FCA had previously expressed concerns about Greyfriars' Portfolio Six offering in particular.
In 2016 the FCA instructed Greyfriars to stop accepting any new money into the Greyfriars Asset Management Portfolio Six on a permanent basis.
FSCS is also accepting and is currently assessing claims against independent financial advisers (IFAs), which have already been declared in default by FSCS, who advised their clients to invest through Greyfriars.
Many of these customers were advised by IFAs to transfer their existing pensions into SIPPs made up of high risk, non-standard investments, many of which have now become illiquid, which means they can't currently be sold or traded.
If you think that you've got a claim, click the 'Check if you can claim' button to start the process.
FSCS is free to use and you don't need to use a representative to make a claim. If you claim with us directly you will receive 100% of any compensation due.
See our investment compensation limits and their conditions on our Investments page.
12 Aug, 2019
Investigations into whether Greyfriars owes a civil liability to customers are ongoing.
Further to our previous update, FSCS has been looking at information provided by the firm's Insolvency Partner, Smith & Williamson, together with additional material provided by the Financial Conduct Authority to determine whether customers have valid (protected) claims against Greyfriars.
Concerns regarding the firm's DFM service provided to customers are still being considered and we aim to have concluded our investigations by October 2019.
22 May, 2019
Although FSCS is accepting claims against Greyfriars, claims haven't yet been passed to the claims teams for assessment. Firstly we need to establish whether there are protected claims against Greyfriars. For this to happen we need to know that Greyfriars owes a civil liability to customers that would enable them to sue the firm in court.
FSCS has been working closely with the firm's insolvency practitioner, Smith & Williamson in order to obtain client files and other documentation that will help us to reach a view on whether there are protected claims against Greyfriars.
FSCS is currently considering the practices of the firm to establish whether there is evidence of systemic failings in the way Greyfriars dealt with its clients.
If you've any questions, contact us on the number below, or fill in a form on our Contact us page.


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Researchers have previously reported a possible association between sedative-hypnotics and increased mortality. However, the relationship remains controversial. We investigated the association between sedative-hypnotics and mortality using a large population-based database from the Republic of Korea.
We used a National Health Insurance Service database. The study population was a 5% random sample of the database from the years 2002–2015. Individuals who were age 40 years and older were included in the analysis. The sedative-hypnotic users were defined as individuals prescribed 30 or more defined daily doses of sedative-hypnotics per year since January 2004. Sedative-hypnotics were classified based on type and total amount. We estimated the risk of mortality (death from January 2004 to December 2015) using time-dependent Cox regression model adjusted for age, sex, Charlson Comorbidity Index, and psychiatric comorbidity.
We identified 180,823 study participants who used sedative-hypnotics and 320,136 nonusers. In a multivariate model, study participants who used sedative-hypnotics had significantly higher mortality risk than nonusers (hazard ratio [HR] 1.14, 95% confidence interval [CI] 1.12–1.16). Specifically, study participants who used zolpidem had a higher mortality risk (HR 1.59, 95% CI 1.52–1.67) than nonusers.
Based on the current study results, sedative-hypnotics were associated with an increased risk of mortality, especially in study participants who used zolpidem.
Choi JW, Lee J, Jung SJ, Shin A, Lee YJ. Use of sedative-hypnotics and mortality: a population-based retrospective cohort study. J Clin Sleep Med. 2018;14(10):1669–1677.
Current Knowledge/Study Rationale: Previous studies on the association of sedative-hypnotics with mortality risk have produced controversial results. Several studies found no significant associations between sedative-hypnotics and mortality risk, but others reported a high mortality risk associated with the use of these agents. This study was designed to produce a more accurate estimate of the mortality risks associated with sedative-hypnotics use by analyzing data collected by the National Health Insurance Service over a long follow-up period, while controlling for the following confounding factors: sociodemographic characteristics, physical health, and psychiatric comorbidities.
Study Impact: Individuals prescribed 30 or more defined daily doses of zolpidem per year had a significantly higher risk of mortality than that of nonusers, with a clear dose-dependent relationship.
Benzodiazepines (BZD), Z-drugs, and small doses of anti-depressants and antipsychotics have been prescribed to treat insomnia. In the general population, the overall use of BZD and other hypnotics was reported to range between 2.6% and 9.1%1–4 and was highest, at up to 11.9%, among 80-year-old women.5 Based on several studies, primary physicians rather than licensed psychiatrists prescribed most BZD in the Republic of Korea.6,7 One-year BZD prescription prevalence was 23.7% for more than one defined daily dose (DDD) and 7.9% for more than 30 DDDs. The total number of prescriptions tended to be four times higher in the elderly (age 65 years or older) than among those age 64 years and younger.8
Previous studies have shown that when sedative-hypnotics are prescribed for a long time, serious adverse effects, including psychomotor impairments (daytime sleepiness, poor physical function, car accidents, increased falls and fractures), cancer, and dementia, can occur.9–16 Although several recent studies focused on the association of sedative-hypnotics with mortality risk, their results have been controversial.17–25 Whereas several studies found no significant associations between sedative-hypnotic use and all-cause mortality,17–19 other studies found a high mortality risk associated with the use of both BZD and Z-drugs.20–25 However, a study performed in Taiwan found that patients for whom zolpidem was prescribed had a lower mortality risk, but those for whom BZD was prescribed has a higher mortality risk.26 In a population-based cohort study in Japan, study participants of both sexes who used sleeping pills tended to have increased risk of mortality, although not significantly. In another prospective study in the United States, after controlling for covariates, neither insomnia complaints nor the use of hypnotics was associated with an increased risk of mortality.17,18 By contrast, other studies have evaluated the association of sedative-hypnotics with increased risk of mortality.20–25 However, most of the previous studies had several limitations, including small numbers of participants, older age distribution, limited information on medication, short follow-up period, and lack of control for confounding factors (medical and psychiatric comorbidities, socioeconomic status, etc.). These limitations appear important; increased crude mortality associated with sedative-hypnotics in an elderly population was reported in two studies; however, after controlling for potential confounding factors such as medical and psychiatric disorders, the risk of mortality was not significantly associated with sedative-hypnotics.27,28
The current study was designed to examine the mortality associated with sedative-hypnotics using the database from the National Health Insurance Service (NHIS) of the Republic of Korea. More than 97% of people in the Republic of Korea are registered with the NHIS, which collects all claims data for medical treatment, such as disease diagnosis, prescriptions provided, and procedures performed. The current study included a sufficient number of participants from the NHIS data to be representative of the Korean population, as well as a long follow-up period, and it controlled for potential confounding factors such as sociodemographic characteristics (age, sex, and economic status), physical health, and psychiatric comorbidity. The primary hypothesis of the current study was that sedative-hypnotics would be associated with increased mortality after adjusting for several confounding factors.
A retrospective cohort study was conducted using the data from the NHIS database of the Republic of Korea from January 2002 to December 2015. The study included a randomly selected sample of 5% of NHIS beneficiaries age 40 years and older.29 We excluded individuals who were younger than 40 years, those who had died or were lost to follow-up, and those who were prescribed any sedative-hypnotics between January 2002 and December 2003. Patients were followed up until time of death, loss of follow-up, or December 31, 2015.
The sedative-hypnotics evaluated in this study included BZD, zolpidem (the only Z-drug that can be prescribed in the Republic of Korea), antidepressants, and low-dose antipsychotics, which are often prescribed for the treatment of insomnia in the Republic of Korea. The prescribed dosage of sedative-hypnotics was standardized using the defined daily dose (DDD) suggested by the World Health Organization.30 We evaluated the prescription of sedative-hypnotics from January 2004 and cumulated the prescribed dosage of sedative-hypnotics over time. Exposure (index date) was defined when the cumulative dose of sedative-hypnotics reached 30 DDDs.
The sedative-hypnotics were classified based on their pharmacological mechanisms and total amount of prescription. First, based on pharmacological mechanisms, the hypnotics were classified as BZD, zolpidem, or other drugs (antidepressants and low-dose antipsychotics). While cumulating each type of hypnotic separately, we defined exposure as a cumulative dose exceeding 30 DDDs and nonexposure as a cumulative dose less than 30 DDDs. In addition, when study participants were exposed to more than two types of hypnotics, each combination was analyzed to compare the risks between combinations. Second, we classified the study participants into three subgroups based on the total amount of prescribed hypnotics, 30–179 DDDs, 180–359 DDDs, and ≥ 360 DDDs.
In addition to age and sex, insurance premiums based on individuals' income levels were extracted from the NHIS database. The Charlson Comorbidity Index (CCI) is a predictive score of 1-year mortality of a patient having comorbidities, including myocardial infarction, congestive heart failure, peripheral vascular disease, cerebrovascular disease, dementia, chronic pulmonary disease, rheumatic disease, peptic ulcer disease, mild liver disease, diabetes, hemiplegia or paraplegia, renal disease, malignancy, moderate to severe liver disease, metastatic solid tumor, and AIDS/HIV.31 These diseases were extracted using the International Statistical Classification of Diseases and Related Health Problems, 10th revision (ICD-10). The disease diagnostic codes for CCI and the validity are described elsewhere.32 Patients were defined as having the disease if they had at least two claims of diagnosis per 1 year between January 2002 and December 2015. We also extracted psychiatric disorders, including anxiety disorders (F4x), depression (F32, F33), insomnia (F510, G470), and psychotic disorders (F2x), which were possible confounding factors for death or prescription of sedative-hypnotics. Patients were defined as having these psychiatric diseases if they had at least two claims of diagnosis per 1 year between January 2004 and December 2015.
Characteristics were compared between exposure and nonexposure to sedative-hypnotics using the chi-square test and t test. Exposure to sedative-hypnotics was considered as a time-varying covariate; therefore, if a study participant was exposed to sedative-hypnotics in the middle of the study, he or she was considered as having been exposed after the index date. The mortality risk of sedative-hypnotics was analyzed using a time-dependent Cox regression model for multivariate analysis to compute the hazard ratio (HR) and 95% confidence interval (CI) after adjusting for the possible confounding factors (age, sex, insurance premium, CCI score, anxiety disorders, depression, insomnia, and psychotic disorders). Kaplan–Meier survival analysis was used to compare survival rates among the groups classified based on the total amount or type of prescribed sedative-hypnotics. Statistical analysis was performed using the statistical software SAS 9.4 (SAS Institute Inc., Cary, North Carolina, United States).
The sedative-hypnotics evaluated in this study were prescribed not only for insomnia but also for other psychological or somatic symptoms. When considering hypnotics as treatment in patients with insomnia, we counted the sedative-hypnotics prescribed only for patients with insomnia; sedative-hypnotics without the diagnostic code of insomnia were not considered. However, we included additional parameters consisting of sedative-hypnotics prescribed for anxiety, mood disorders, and psychosis to compare the risks between these groups.
We identified 827,100 study participants age 40 years or older over the study period; 18,100 study participants were excluded due to death or loss to follow-up before 2004, and 308,041 study participants for whom sedative-hypnotics were prescribed before 2004 were also excluded. The remaining 500,959 study participants were followed for an average of 10.98 years and 68,049 study participants died during the study period (Figure 1).
We randomly selected 827,100 participants representing 5% of Korean NHIS beneficiaries between January 2002 and December 2015 who were 40 years of age or older. Among the selected participants, 18,100 were excluded due to death or loss to follow-up before January 2004. Of the remaining sample, 308,041 participants prescribed any sedative-hypnotics before January 2004 were excluded. Finally, a total of 500,959 participants were included for analysis and followed-up for 13 years. Of these, 68,049 participants died during the study period. NHIS = National Health Insurance Service.
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A total of 180,823 study participants were exposed to sedative-hypnotics during the study period; the sedative-hypnotics exposure group had a higher proportion of females and older individuals than the nonexposure group. The exposure group had lower insurance premiums and higher rates of psychiatric morbidities than the nonexposure group. The sedative-hypnotics exposure group had higher CCI scores than the nonexposure group (Table 1).
Characteristics of the study population based on sedative-hypnotic use.
Table 2 shows the HR of covariates on mortality. Age and male sex were significantly associated with increased mortality. Study participants in middle income levels showed the greatest risk of mortality. The risk of mortality was increased by 25% when CCI score increased by one. Study participants who had anxiety, depression, or insomnia had decreased risk of mortality after adjustment, whereas patients with psychotic disorders showed increased risk.
Hazard ratios of mortality for potential confounders.
The HR of sedative-hypnotics on mortality after adjusting for age, sex, CCI, insurance premium, and psychiatric disorders is presented in Table 3. Study participants in the sedative-hypnotics exposure group showed a higher risk of mortality (HR 1.14, 95% CI 1.12–1.16) than those in the nonexposure group. Regarding the association between dosage of sedative-hypnotics and mortality, study participants for whom less than 180 DDDs of any sedative-hypnotics was prescribed showed no statistical association with mortality. However, the risk of mortality was significantly increased in study participants for whom 180–359 DDDs (HR 1.05, 95% CI 1.01–1.09) or more than 360 DDDs of any sedative-hypnotics (HR 1.36, 95% CI 1.32–1.39) were prescribed. Study participants exposed to less than 180 DDDs of BZD showed a decreased risk of mortality (HR 0.93, 95% CI 0.91–0.95). Conversely, study participants exposed to ≥ 360 DDDs of BZD had a significantly increased risk of mortality (HR 1.26, 95% CI 1.22–1.29).
Hazard ratios of mortality for sedative-hypnotics according to type and dose.
The risk of mortality was significantly increased in study participants exposed to any dose range of zolpidem. A clear dose-dependent relationship was found for each of the three groups classified based on zolpidem dose (HR of 1.43, 1.62, and 1.65 in the 30–179, 180–359, and ≥ 360 DDDs groups, respectively; all P < .0001). The risk of mortality was also increased in study participants exposed to more than two types of sedative-hypnotics. Moreover, the study participants prescribed both zolpidem and other drugs had the highest risk of mortality (HR 1.81, 95% CI 1.61–2.04).
Table 4 shows the HR of sedative-hypnotics for mortality only in patients with insomnia after adjusting for age, sex, CCI, insurance premium, and psychiatric disorders. Based on sensitivity analysis, the trend of mortality risk was similar to the main analysis except for BZD. The HR of patients with insomnia exposed to ≥ 30 DDDs of BZD was higher than that of patients with insomnia exposed to < 30 DDDs of BZD (HR 1.62, 95% CI 1.44–1.82). Patients with insomnia exposed to > 30 DDDs of three types of sedative-hypnotics had the highest risk of mortality (HR 3.57, 95% CI 3.16–4.02). Sedative-hypnotics were dose-dependently associated with mortality in patients with insomnia (HR of 1.69, 1.87, and 2.56 in the 30–179, 180–359, and ≥ 360 DDDs groups, respectively; all P < .0001). The risk of mortality in patients with insomnia for whom zolpidem was prescribed was increased more than twofold, even when exposed to less than 180 DDDs (HR 2.16, 95% CI 1.92–2.43).
Hazard ratios of mortality among insomnia patients for sedative-hypnotics according to type and dose.
The survival rate for mortality according to sedative-hypnotics dose was estimated using the Kaplan-Meier method. The survival rate was dose-dependent; study participants for whom more sedative-hypnotics were prescribed died earlier (Figure 2). When mortality was calculated using the Kaplan– Meier survival curve based on type of sedative-hypnotics, almost 80% of study participants for whom only zolpidem was prescribed survived the 11-year observation period compared with approximately 90% of study participants for whom only BZD was prescribed. Approximately 60% of study participants for whom all types of study drugs were prescribed survived the 11-year observation period (Figure 3).
Nonexposure = < 30 DDDs, low-dose = 30–179 DDDs, medium-dose = 180–359 DDDs, high-dose = ≥ 360 DDDs. Kaplan–Meier-estimated survival rate and mortality based on sedative-hypnotics dose. The sedative-hypnotics exposure groups had a significantly lower survival rate than the nonexposure group (P < .0001). The survival rate was proportionally lower as doses of sedative-hypnotics increased (P < .0001). DDD = defined daily dose.
Kaplan-Meier survival curves of sedative-hypnotics for mortality classified based on sedative-hypnotics dose.
Nonexposure = < 30 DDDs, other groups = ≥ 30 DDDs. Kaplan– Meier-estimated survival rate for mortality based on type of sedative-hypnotics. The survival rate of the groups prescribed two or more types of sedative-hypnotics was lower than those of the groups prescribed only one type of sedative-hypnotics. The group prescribed all types of study drugs had the lowest survival rate (P < .0001). DDD = defined daily dose.
Kaplan-Meier survival curves of sedative-hypnotics for mortality classified based on type of sedative-hypnotics.
In this study, the association between prescription of sedative-hypnotics and increased mortality was examined using NHIS data over a 13-year period among more than 500,000 study participants representing a large sample of the general population. Study participants for whom sedative-hypnotics were prescribed had significantly increased risk of mortality (HR 1.20, 95% CI 1.18–1.22) after adjusting for age and sex. This association remained significant after adjusting for several potential confounding factors (HR 1.14, 95% CI 1.12–1.1.6), including medical and psychiatric comorbidities and socioeconomic status. These results confirmed the hypothesis that use of sedative-hypnotics is associated with increased mortality after adjusting for several confounding factors.
Our HR estimates between sedative-hypnotics and mortality were similar to those of a previous meta-analysis (pooled HR 1.21, 95% CI 1.15–1.28).24 Specifically, study participants for whom ≥ 30 DDDs of zolpidem were prescribed had the most increased HR (HR 1.59, 95% CI 1.52–1.67). In the sensitivity analysis limited to study participants with a diagnosis of insomnia for whom sedative-hypnotics were prescribed, the HRs of all study participants and of the subgroup classified based on the total number or type of sedative-hypnotics prescribed increased more than the HRs in the main analysis.
Inconsistent results have been reported in previous studies; a significant relationship between sedative-hypnotics and mortality has been observed in some studies20–25 but not in others.17–19 Similarly, in the current study, study participants prescribed only BZD had decreased HR of mortality (HR 0.94, 95% CI 0.92–0.96). However, in the subgroup analysis, only the low-dose BZD subgroup (30–179 DDDs) had decreased HR (HR 0.93, 95% CI 0.91–0.95), whereas the high-dose BZD subgroup (≥ 360 DDDs) had increased HR (HR 1.26, 95% CI 1.22–1.29). It is possible that study participants prescribed low-dose BZD had mild anxiety symptoms, somatic symptoms, or insomnia symptoms, and received more medical care, thus resulting in higher disease detection than in nonusers. Based on a study focusing on the BZD prescription prevalence in the Republic of Korea, 87.7% of patients were prescribed BZD at nonpsychiatric departments; the most frequent prescription indication was gastrointestinal-related disease.8 Similarly, the HR of study participants who had anxiety disorder (HR 0.74, 95% CI 0.72– 0.77) and insomnia (HR 0.93, 95% CI 0.90–0.97) may be lower in this study. However, in sensitivity analysis, patients with insomnia for whom only low-dose BZD was prescribed (30–179 DDDs) also had a higher HR than patients with insomnia for whom < 30 DDDs of BZD was prescribed (HR 1.53, 95% CI 1.37–1.72). More than 40% of patients with obstructive sleep apnea (OSA) have at least one insomnia symptom33; patients with comorbid OSA and insomnia who take BZD may experience a depressant effect on the respiratory system that may aggravate OSA.34 Patients in whom insomnia has been diagnosed and BZD prescribed may self-medicate with other drugs or drink alcohol, which can aggravate the side effects of BZD.35 There are several possible explanations regarding the relationship between sedative-hypnotics use and increased risk of mortality. First, the sedative side effect of sedative-hypnotics is associated with psychomotor impairments, thus increasing the risk of accidents, falls, and fractures, which are associated with cognitive impairment.9–12,15,16 Second, the depressant effect of sedative-hypnotics on the respiratory system may aggravate sleep-related breathing disorders, especially in patients with pulmonary and cardiac diseases.34 Furthermore, previous studies found increased risks of infection, pneumonia, and cancer associated with suppression of the immune system.13,14,21,36,37 Moreover, disinhibition is a frequent side effect during the peak drug effect of some sedative-hypnotics. According to the FDA Adverse Event Reporting System, amnesia, confusion, hallucination, and parasomnia due to the disinhibitory effect of sedative-hypnotics have been associated with suicide.38
The mortality risk associated with Z-drug use was reported in five studies. The pooled analysis showed a 73% increased risk of mortality among study participants who used Z-drugs compared with nonusers; however, the pooled HR was not statistically significant (HR 1.73, 95% CI 0.95–3.16).24 Unlike this meta-analysis, a matched cohort study performed in the United States found that patients for whom more than 60 pills of zolpidem per year were prescribed had an increased HR for mortality (HR 3.93, 95% CI 2.98–5.17),21 and a retrospective cohort study performed in the United Kingdom found that patients for whom any DDD of Z-drugs were prescribed were more likely than nonusers to have a higher HR for mortality (HR 3.19, 95% CI 2.95–3.45).25 In contrast, a retrospective cohort study performed in Taiwan found that the HR for mortality was high in a BZD group (HR 2.22, 95% CI 2.18–2.26) and low in a zolpidem group (HR 0.85, 95% CI 0.83–0.87).26 Unlike the Taiwanese study, our study results showed that study participants for whom ≥ 30 DDDs of zolpidem was prescribed had a 59% higher risk of mortality than that of study participants not exposed to zolpidem (HR 1.59, 95% CI 1.52–1.67). Our findings are in line with those of most studies suggesting that Z-drugs are associated with increased mortality. Unlike BZD, a clear dose–response relationship was found in study participants using zolpidem, with fully-adjusted HR of mortality ranging from 1.38 to 1.65 among study participants for whom 30–179 DDDs, 180–359 DDDs, and ≥ 360 DDDs of zolpidem was prescribed. Additionally, zolpidem showed a synergistic effect when prescribed with other drugs, including small doses of antidepressants and antipsychotic drugs, to increase the HR of mortality. Several explanations are possible. According to two studies focusing on the adverse effects of zolpidem, performed in Australia and the United States, study participants taking zolpidem showed increased adverse effects of parasomnia, amnesia, hallucination, and suicidality compared with study participants taking BZD or other hypnotics.39,40 It has also been reported that patients taking Z-drugs had an increased risk— over twice that of unexposed patients—of motor vehicle accidents.41 In a Korean insurance registry study, zolpidem use increased the risk of hip fractures and was associated with a higher risk of such fractures than was BZD use.42 Patients with depression or anxiety along with insomnia may seek treatment for only their insomnia because of the stigma of psychiatric treatment. Although several BZDs have been reported to have therapeutic effects on anxiety and depressed mood,43 zolpidem did not. It is possible that patients with underlying depression may report only their insomnia symptoms, resulting in the exclusive prescription of zolpidem. Conversely, patients for whom zolpidem is prescribed may be experience more depression, possibly leading to increased mortality.44
Data on the cause of death were unavailable; therefore, associations between prescription of sedative-hypnotics and specific causes of mortality could not be explained. Also, we could not use information on lifestyle (eg, alcohol consumption or smoking), education, employment status, or marital status that may affect mortality. Another limitation of this study is that the use of sedative-hypnotics may have been overestimated because only data on prescriptions were available; data regarding whether people actually used sedative-hypnotics were absent.
Despite the limitations, the large sample size representative of the general population, its completeness, and the long follow-up period of the NHIS data are strengths of the current study. Objective data on sedative-hypnotics use based on computed prescription data rather than self-reported use were also a strength. Several confounding factors were obtained from NHIS data; specifically, we adjusted for physical health based on CCI and psychiatric comorbidities. Unlike previous studies, we controlled for most mental disorders, such as depressive, anxiety, and psychotic disorders, in addition to insomnia. DDD was used to quantify cumulative doses of sedative-hypnotics, which allowed evaluation of the effects of different drug types. Cohort studies are likely to have immortal time bias.45 In this study, we used time-dependent modeling analysis to overcome this bias.
In conclusion, the use of sedative-hypnotics was associated with an increased risk of mortality. Specifically, this association followed a dose–response relationship for study participants for whom zolpidem was prescribed. The risk of mortality was higher in those prescribed zolpidem, two or more sedative-hypnotics, or high doses. However, because information regarding causes of death was unavailable, the mechanism between sedative-hypnotics use and mortality could not be investigated. Further well-designed, prospective studies are warranted to evaluate the underlying mechanism responsible for increased mortality associated with sedative-hypnotics.
This study was supported by the research fund of the Mental Health Technology Development Project (Project No. HM15C1197). The authors report no conflicts of interest.
Charlson Comorbidity Index
confidence interval
defined daily dose
hazard ratio
International Statistical Classification of Diseases and Related Health Problems
National Health Insurance Service
obstructive sleep apnea
Author contributions: Dr. Lee and Dr. Shin developed the study concepts and collected the data. Dr. Choi, Dr. Joonki Lee, and Dr. Jung analyzed the data and wrote the manuscript. All authors provided important information on data and contributed to the final version of the manuscript. The English in this document has been checked by at least two professional editors, both native speakers of English. For a certificate, please see: http://www.textcheck.com/certificate/uqxDPI.
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Stocks Crash After Trump Threatens New Tariffs On $300B In Chinese Goods
Stocks took a big hit on Thursday afternoon after U.S. President Donald Trump said he will be implementing a new 10% tariff on the remaining $300 billion in Chinese goods not already included in existing U.S. tariffs.
In a series of tweets, Trump said U.S. representatives are having constructive trade talks with China but once again blamed China for backing out of a potential deal three months ago.
"More recently, China agreed to...buy agricultural product from the U.S. in large quantities, but did not do so. Additionally, my friend President Xi said that he would stop the sale of Fentanyl to the United States – this never happened, and many Americans continue to die!" Trump wrote.
Trump said the new tariffs will be implemented as negotiations continue, and he is optimistic a deal will be reached.
"We look forward to continuing our positive dialogue with China on a comprehensive Trade Deal, and feel that the future between our two countries will be a very bright one!" he said.
The Federal Reserve cited "global developments" as one of the primary reasons for its interest rate cut on Wednesday. The prospect of new tariffs and potential retaliation from China certainly seems to have spooked investors.
Within minutes of Trump's tweets, the Dow Jones Industrial Average plummeted from a 300-point gain to a 100-point loss. The SPDR S&P 500 ETF Trust (NYSE: SPY) also dipped into negative territory on the day.
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When is Daytona 500? What time does the NASCAR race start? Line-up and more
DAYTONA 500 is one of the bastions of the American sporting calendar, having been running since 1959.
The Daytona 500 will have more than 100,000 fans watching live in Florida
The race is held at the Daytona International Speedway and spreads itself across two weekends, with qualifying taking place seven days before the race itself.
This year, Alex Bowman of Hendrick Motorsports took the pole position honours with a lap time of 46.002, meaning he will start the 500-mile race from the front.
Last year's winner, Kurt Busch, will have to work hard if he wants to win back-to-back races and become the first man to do so since Sterlin Marlin in 1994 and 1995: Busch's lap time was only good enough for 17th on the grid.
So here's everything you need to know about the race.
Daytona 500 date
The race is the season-opener for NASCAR and takes place this year on Sunday, February 18.
Daytona 500 start time
The race is due to get underway at 2.30pm local time - which is 7.30pm in the UK.
Daytona 500 line-up
1. Chase Elliott, 2. Denny Hamlin, 3. Jimmie Johnson, 4. Kyle Busch, 5. William Byron, 6. Erik Jones, 7. Daniel Suarez, 8. Kevin Harvick, 9. Ricky Stenhouse Jr, 10. Chase Elliott, 11. Joey Logano, 12. Paul Menard, 13. Aric Almirola, 14. Austin Dillon, 15. Ryan Blaney, 16. Clint Bowyer, 17. Kurt Busch, 18. Kasey Khane, 19. Brad Keselowski, 20. Trevor Payne, 21. Ryan Newman, 22. Kyle Larson, 23. Jamie McMurray, 24. Michael McDowell, 25. Darrell Wallace Jr, 26. Martin Truex Jr, 27. Ty Dillon, 28. Danica Patrick, 29. Chris Buescher, 30. AJ Allmendinger, 31. Brendan Gaughan, 32. Justin Marks, 33. Matt DiBenedetto, 34. DJ Kennington, 35. Jeffrey Earnhardt, 36. David Gilliland, 37. Mark Thompson, 38. Carey LaJoie, 39. Gray Gaulding, 40. David Ragan
Daytona 500 odds (best available)
Brad Keselowski 9/1, Denny Hamlin 10/1, Chase Elliott 12/1, Kyle Busch 12/1, Kevin Harvick 13/1, Joey Logano 14/1, Martin Truex Jr 15/1.


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David is the most highly productive and effective PR professional with whom I've ever worked. His outstanding strategies followed up with the tactical implementation have very rapidly enhanced the marketing profiles of the businesses with which he engages. I have no hesitation giving the strongest possible recommendation for David.
David is very conscientious and persistent in his research and interviewing. He tends to leave no stone unturned. Once he has gathered the information, he does a very good job of composing and placing articles.
David is very thoughtful and professional. He strives to learn as much as he can about the brands he represents. David has proven to be a continual learner and innovator, always looking for new ways to get the most out of the content developed for each project story. Through his work with us over several years, we have earned repeat placements in relevant trade publications and have strong testimonials and case studies for our website and use in direct sales. He continues to work diligently to produce deliverables that meet or exceed our expectations.
We have worked with David now for several years and really enjoy his unique and effective approach to helping us get our product recognized in many different industries. The articles David writes have definitely increased our market presence and helped us grow across the country.
It is always a joy to work with a professional, and David is a pro. He quickly got up to speed on our industry and technology. Within weeks, he started getting PR results that boosted IrriGreen.
David has done a fantastic job creating brand awareness for IrriGreen.
David's business is crafting messages that connect companies' brands to their audiences. He's tops in his business. I will always appreciate the work he did to help us launch nParallel, and I value his friendship as well.
David is a true force when it comes to PR. He listens, absorbs, plans, and acts with confidence, purpose and intensity. He knows his audience, knows what to say, and knows how to say it in a manner that is clear, concise, and compelling – that's becoming a lost art. Highly recommended.
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David can handle complicated and even controversial communications issues with great skill and get positive results.


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Japanese philosophy impacts positively in South Africa
"Kaizen" is Japanese for "continuous improvement", achieved through introducing simple yet significant initiatives that add value to the workplace. The philosophy originated in Japan's Meiji Era when the country reconsidered its political and economic status. At this time, the Japanese found it imperative to cooperate with foreign nations for skills exchange in especially the automotive industry to achieve economic stability and competitiveness. Today, countries across the globe have achieved success through Kaizen.
The Japan International Cooperation Agency (JICA) has been collaborating with the Automotive Industry Development Centre (AIDC) since 2015, under the Department of Trade and Industry (DTI) on the National Automotive Industry Human Capital Development Programme aimed at capacitating local automotive suppliers. Under the Programme, JICA dispatched two Japanese experts as Automotive Human Resource Development Advisors, Messrs Kazunori Hayashi and Michiharu Suzuki, retirees from Toyota. The experts have worked closely with the AIDC and have thus far been able to train nine suppliers.
Baires Plastics, which produces plastic components for Nissan and Isuzu, is one such supplier. Baires Plastics experienced challenges such as stagnation due to unprocessed tasks. However, through the implementation of "5S", the workplace and factory became more functional. Another success story is Q-Plas, which produces interior and exterior plastic components. Q-Plas faced excess stock in storage, irregular stock in temporary storage areas, and delayed assembly stations. After implementing Kaizen, they were able to improve production by minimizing the time from one station to the next in their assembly lines from 73 to 42 seconds.
On 13 June 2019, AIDC and JICA celebrated their partnership by reflecting on the Programme, and by recognising and rewarding individuals who excelled. The event outlined achievements of the nine suppliers who have consistently implemented Kaizen in their production lines to reduce waste, minimize clutter, improve production, monitor improvement, support competitiveness, and increase sales and revenue.
Initially, Kaizen was considered Japanese terminology, but today it's being adopted all over the world. The collaboration between AIDC and JICA on Kaizen has been very successful, and I'd like to encourage JICA to expand this Programme. H.E. Mr Norio Maruyama, Ambassador of Japan to South Africa
We're here to celebrate our milestone in aiding the economy and to thank Japan for their assistance as none of this would've been possible without them." Mr Lance Shultz, Chief Executive Officer, AIDC.
Key Beneficiaries of the JICA Programme below:
Participating current component suppliers on the programme are: 1. Duys Automotive Components (KZN), 2. Acoustex Automotive (EC), 3. Baires Plastics Automotive (GP), 4. Supreme Springs (GP), 5. Lumen Special Cables (KZN), 6. Q-Plas automotive (EC), 7. Steelbest formerly known as Zealous Automotive (GP), 8. Auto Industrial Machining (GP) and 9. Excellence Motor Trimmers (EMT) (GP). AIDC GP Trainers/AIDC EC Trainers
For more information visit AIDC website: www.aidc.co.za or contact them on +27 (12) 564 5001


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Mutated frog gene repels predators
Post-doctoral researcher Andrés Posso-Terranova and his former supervisor José Andrés have found evidence that a single gene called MC1R controls the deep black color on the skin of these poisonous frogs. The researchers have found that the disruption of the gene is responsible for the black blobs and stripes. Their results have been published this week in the international journal Evolution.
"We knew the same gene stimulates the production of black pigment in other animals, but it's also responsible for camouflage in mice and red hair in humans," said Andrés, U of S biology professor. "There was no evidence of a correlation with coloration of frogs until now."
The black patterns provide a sharp contrast to the dart frogs' bright colours—red, yellow and orange—to send a highly detectable warning signal to predators such as snakes that the frogs are toxic, much like the coloring of wasps and bumblebees.
"These warning patterns are very effective and they are easily learned by predators," said Posso-Terranova.
Dart frogs, traditionally used by Colombian Indigenous hunters to obtain poison for blowgun darts, make their powerful poison by eating toxic bugs. The poison is only dangerous to humans if it enters their bloodstream.
Deep in one of the wettest jungles of the Colombian Chocó province, the researchers photographed more than 300 frogs to classify them and collected genetic samples on over 90. Back at the U of S, they used state-of-the-art DNA technology to screen more than 15,000 genes that could be associated with coloration.
The researchers' surprising discovery was that unrelated species of frogs in the north and the south of the province show mutations of the MC1R gene in the same DNA region, explaining why the frogs share similar black patterns even if they are not close relatives and live hundreds of kilometers apart.
"These mutations associated with black colour show the footprints of natural selection," said Andrés. "It confirms that dark patterns are beneficial for frogs' survival, so it has been passed down through generations."
As a child growing up in Colombia, Posso-Terranova said there were so many frogs in his backyard but he has witnessed how fast they are disappearing due to global warming and a changing environment.
He cautions more research is needed, but hopes his project may help the Colombian government develop strategies to protect endangered frogs.
The frog study, funded by the federal agency NSERC and a Colciencias grant from the Colombian government, also found evidence that there are at least three endangered species, instead of the two identified in a 1976 study.
Conducting research in a country with an unstable socio-political situation wasn't easy.
"Only thanks to recent peace negotiations between guerrilla groups and the Colombian government is it possible for scientists to access areas once off-limits," said Posso-Terranova.
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Celestron 1.25" Star Diagonal, Black (94115-A)
- Fits telescopes with 1.25" focusers or visual backs, 90° viewing angle, best for observing objects overhead
- Accepts standard 1.25" eyepieces, Barlow lenses, and other accessories with a 1.25" insert barrel
The Celestron 1.25" Star Diagonal slides into the focuser (1.25") of your refractor or catadioptric telescope and accepts standard 1.25" eyepieces, allowing you to view objects more comfortably. A diagonal that is angled at 90º helps avoid neck strain when looking through through the eyepiece. Please note that a 90º diagonal will display images that are right side up, but left to right orientation will be reversed.
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VPNs Tunnel into Cellular
Related Articles
- Nokia to equip TeliaSonera. // RCR Wireless News;3/8/2004, Vol. 23 Issue 10, p7
Focuses on the plans of cellular telephone maker Nokia Corp. to modernize and upgrade the global system for mobile communications, General Packet Radio Service and EDGE network of TeliaSonera in the Nordic countries of Denmark, Norway and Sweden.
- Convergence: Now Or Never? Passmore, David // Business Communications Review;Dec2003, Vol. 33 Issue 12, p12
Discusses the concept of convergence in telecommunication. Benefits of convergence; Areas of application; Perspectives on convergence in virtual private networks.
- iPass Expands Channel Opportunities in Europe for Enterprise Mobility Partners With Complementary Mobile Device Management Strengths. // WiFi/ WLAN;May2012, Vol. 22 Issue 5, p3
The article reports that iPass Inc., a wireless fidelity (Wi-Fi) services and enterprise mobility provider, has expanded its channel partner program in Europe to target mobile device management (MDM) market.
- Nokia unveils 6360 handset. // RCR Wireless News;11/19/2001, Vol. 20 Issue 47, p22
Introduces the Nokia 6360, a cellular phone manufactured by Nokia Corp. Features of the cellular radio.
- Crashing the phone. // Wireless Asia;Jan/Feb2002, Vol. 5 Issue 1, p32
Focuses on issues related to mobile phone hacking. Malformation of short messaging system; Demonstration of the flaw of Nokia 6210 handset during the Black Hat hacker conference; Security measures.
- Nokia plans 3G video handset. // New Media Age;9/12/2002, p10
Reports on the plan of Nokia to launch the Nokia 3650, a mobile telephone that will include a camcorder, camera and media player.
- Where In The World. Gromer, Cliff // Popular Mechanics;Oct2000, Vol. 177 Issue 10, p146
Introduces the Nokia 8890 cellular telephone.
- Still the one to beat. Tausz, Andrew // Telephony;8/13/2001, Vol. 241 Issue 7, p64
Examines the handset sales of cellular telephone manufacturer Nokia for 2001. Background of Nokia; Role of Nokia in providing the foundations for analog advances in Europe; Handset features introduced by Nokia.
- Handset makers put latest offerings in the ring. // Electronics Weekly;10/2/2002, Issue 2070, p6
Focuses on services and products offered by mobile phone makers as of October 2002. Information on games offered by wireless technology firm TTPCom; Features of the Nokia 6650 camera mobile phone.


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Quick Loans Offer Quick Financial Help
Quick Loans offer immediate solution to those who lack funds to deal with such financial expenses.
by xavier alexander Friday, May 13, 2011
As the very name itself suggests that these loans are sanctioned within a small period quickly. It is available to all borrowers irrespective of credit scores. Those facing bad credit like IVA, late payments, arrears, defaults and bankruptcy can easily apply for this monetary support.
These financial schemes do not involve paperwork, collateral evaluation and faxing of documents. Even this loan services is free from any credit checking and placing of any valuable asset as security. These factors contribute to fast and quick loan approval, with funds transferred within short period of time in your bank account.
As these loans are short term in nature its interest rate is comparatively higher than other conventional loans. But you can successfully spot a lower rate deal if you research the loan market thoroughly on Internet.
Now you can apply anytime and from anywhere because the application is not just restricted to banks. You can apply online by filling up a simple application form with authentic personal and professional information. And after submission the lender verify the details and the cash amount is electronically dispersed into your bank account within short span of time.
You should always be careful while applying for this fiscal aid. You should gather all the information about the lenders and compare their rates before applying to any of them. Some of the lenders try to lure the customers by giving various offers like discount rates and all. When you get clear about the rules and regulations then you should give professional details to the lenders.
As it is a short term loan the repayment of quick loans has to be done within a month's time. The lender will automatically withdraw the cash amount from borrowers banking account. If you need to extend the repayment duration but in this case you will have to pay extra interest rate.
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0 submitted by xavier alexander
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(Crain's) -- Joan Gunzberg will leave the Arts & Business Council of Chicago this summer after leading the organization for nearly two decades.
Long-time Arts & Business Council leader to step down
Ms. Gunzberg, 65, announced her intention to step down as executive director on Thursday. She said she plans to leave in early July.
"We've got a wonderful team working here," she said. "The board is in good shape and the organization is in good shape...it's time to bring in new blood and new leadership."
Founded in 1985 as the Business Volunteers for the Arts, the organization pairs the business community with non-profit arts organizations.
Professionals provide their business expertise to the non-profits while the non-profits help train professionals on how to serve on boards of arts organizations.
The Chicago chapter, part of a national organization, works with 350 non-profit arts organizations.
Ms. Gunzberg was the second executive director for the Arts & Business Council, having joined the group in 1989. She has helped boost its annual revenue to nearly $1 million from $40,000 and expanded, as well as created, various programs.
The Arts & Business Council of Chicago's board has formed a search committee to seek a new executive director.
"Joan has been a dynamic and accomplished leader during her tenure and leaves behind a (strong) legacy," Paul Boulis, past board chairman and president of Blue Cross Blue Shield of Illinois, said in a statement. "It will be a challenge to find her successor."
Crain's Chicago Business is a supporter of the Arts & Business Council, having sponsored its annual gala for the past three years.


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God morning!
Blessings to you all! In Jesus' name!
It's a beautiful day and truly ... the day the Lord has made. I'm truly rejoicing!!
The Son is shining and the birds are singing and my lungs just drew another breath. Glory to God.
The Blog is going well but I'm having to slow it down a bit... temporarily... to attend to other things requiring my immediate attention.
Nevertheless, it is always on my mind... as YOU are... and there's plenty to read... until I can get back.
I'm there daily but am unable to sit and write all the deeper things God has for you.
I am encouraged, though, that His timing IS perfect and IT IS WELL!
So, please help support this call and visit the Blog often. There's much to learn and a whole lotta love from Heaven above!
I hope this is not an inconvenience to you, and I can assure you of this... Jesus loves you and so do I.


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- Front desk (limited hours)
- Laundry facilities
- Terrace
- Tours/ticket assistance
- Luggage storage
- Restaurant
- Total number of rooms - 15
- Dry cleaning/laundry service
- Free WiFi
- Breakfast available (surcharge)
- Garden
Situated in Ayutthaya, this guesthouse is within 1 mi (2 km) of Ayuthaya Floating Market and Ayutthaya Historical Park. Wat Ratchaburana and Wat Phra Si Sanphet are also within 2 mi (3 km). Ayutthaya Railway Station is only a 2-minute walk.
A restaurant, dry cleaning, and laundry facilities are available at this guesthouse. WiFi in public areas is free. Other amenities include tour/ticket assistance and a garden.
All 15 rooms offer free WiFi, free bottled water, and free toiletries.
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Baan Are Gong Riverside Homestay offers 15 forms of accommodation with complimentary bottles of water and free toiletries. Guests can surf the web using complimentary wireless Internet access. Housekeeping is provided on a daily basis.
English breakfasts are available for a surcharge and are served each morning between 7:30 AM and 11 AM.
On-site venue – This restaurant specialises in international cuisine and serves breakfast, lunch and dinner.
Check-in time starts at noon
Minimum check-in age is 18
Check-out time is 11 AM
Charges for extra guests may apply and vary according to property policy.
A cash deposit, credit card or debit card for incidental charges and government-issued photo identification are required upon check-in.
Special requests are subject to availability at the time of check-in. Special requests can't be guaranteed and may incur additional charges. No on-site parking is available. This property only accepts cash for all bookings and on-site payments.
No rollaway/extra beds available
No cots (infant beds) available


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Running Retrospectives
Facilitators vs participants, the retrospective process, who can facilitate
- Run your first retrospective
- Running a Sticky Notes in Columns retrospective in Retrium
- Creating a custom columns with sticky notes retrospective
- Running a Team Radar in Retrium
- Creating a custom Team Radar retrospective
- How do I maintain anonymity in my retrospectives?
- What's the role of the retrospective facilitator?
- Can I change the facilitator in the middle of the retrospective?
- How do I share grouping responsibilities with my team?
- How does voting work in a column-based retrospective?
- How do I know who is present in my Team Room?
- What is the retrospective history?


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Join us for a night of poetry with three fascinating poets
Chet'la Sebree is the author of Mistress (forthcoming from New Issues Poetry and Prose in 2019), a collection that engages with black female experiences and representation through the lenses of Sally Hemings and a contemporary speaker. She is a graduate of American University's MFA in Creative Writing Program and has received fellowships from The MacDowell Colony, Hedgebrook, Vermont Studio Center, Yaddo, the Vermont Studio Center, and the International Center for Jefferson Studies.
Paul Asta was born in South Korea and raised in the Chicago Suburbs. He is a Kundiman Poetry Fellow and earned an MFA in Poetry from Indiana University Bloomington and an MA in Creative Writing from the University College Cork as a Fulbright Grantee.
Born and raised in Los Angeles, Diana Khoi Nguyen is a multimedia artist and award-winning poet whose work has appeared widely in literary journals such as Poetry, American Poetry Review, Boston Review, PEN America, and The Iowa Review, among others. She recently won the 92Y's Discovery / Boston Review 2017 Poetry Contest and the Omnidawn Open Book Contest. She has also received awards, scholarships, and fellowships from the Academy of American Poets, Key West Literary Seminars, Bread Loaf Writers Conference, Provincetown Fine Arts Work Center, Community of Writers at Squaw Valley, and Bucknell University. Currently, she lives in Denver where she is a doctoral candidate in Creative Writing at the University of Denver. She teaches at the Lighthouse Writers Workshop and in the Daniels College of Business at the University of Denver.
Diana will be reading from her debut collection Ghost Of (a finalist for this year's National Book Award)
Join us for a night of poetry with three fascinating poets


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Sarah Palin (R)
ANCHORAGE, Alaska (Legal Newsline)-The Alaska Supreme Court has cleared officials to release to the public a much-anticipated report on the abuse-of-power investigation against Gov. Sarah Palin.
On Thursday, the state's high court rejected a last ditch appeal by a group of Republican lawmakers to block the report's release to the public. Today, the 14-member Alaska Legislative Council is expected to vote on whether to make the 263-page report public.
Investigators are probing whether Palin, the Republican vice presidential nominee, and several top aides pressured Public Safety Commissioner Walt Monegan to fire Trooper Mike Wooten, who was engaged in a bitter divorce and child custody dispute with Palin's sister.
Investigators are also probing whether Monegan's subsequent ouster was because he refused to fire Palin's ex-brother-in-law.
In addition to the report that could be made public, investigator Steve Branchflower has also prepared a separate report that is reportedly twice as large as his other. The larger volume is expected to remain confidential because it contains personnel information that cannot legally be released.
The emergency lawsuit heard by the Supreme Court was filed by the Plano, Texas-based Liberty Legal Institute and Anchorage attorney Kevin Clarkson. The Supreme Court heard arguments in the case Wednesday.
"The plaintiffs and Alaskans will suffer irreparable harm if the investigation at issue continues and if the resulting investigative report issues as planned on Oct. 10, 2008," a brief to the Supreme Court said.
In its two-page ruling in the case, the Supreme Court upheld last week's decision by Anchorage Superior Court Judge Peter Michalski, who found the Legislature has the right to investigate the allegations against Palin.
From Legal Newsline: Reach reporter Chris Rizo at firstname.lastname@example.com.


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Birmingham Chocolate » Kosher Certified Businesses & Kosher Certified Products
Kosher Michigan currently provides kosher certification to the following businesses. To inquire about kosher certification for your restaurant, bakery, shop, or food product, contact Rabbi Jason Miller here.
Birmingham ChocolateBirmingham ChocolateGourmet Chocolates; Gifts – Dairy
Biographical Info
(248) 723-8008
1728 West Maple Road
(next to Mills Pharmacy)
Birmingham, MI 48009
Birmingham Chocolate is one of the truly custom retail chocolate boutiques in the business. Our chocolates are "Made Fresh on Premises" using a tried and true three-generation European style family recipe that calls for the highest quality ingredients and attention to design detail. The "Made Fresh on Premises" concept means that chocolate items do not come pre-packaged from Headquarters, rather that items are prepared and dipped at each individual retail location allowing our franchise owners the flexibility to be creative and customize our fresh products to the customer's request. Birmingham Chocolate products are certified Kosher Dairy by Kosher Michigan.