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Since I was a kid, I've lived in many different houses and an apartment. I never thought anything special of those houses when I lived there—but now, I always think it would be great to go back and visit—to see how it's changed, to remember the places where memories were made, and to see how other people are making their own memories there.
It occurred to me today that my current residence will likely be the same way. I don't think much of it now, and some days I just really want to move—into a better apartment, house, or whatever—forgetting the fact that one day I'll look back here and remind myself of the memories and time spent here. The stressful move in, the excitement of a new adventure, the monotonous reality of everyday life—the times here when God came through even when it seemed like He wasn't going to do anything at all. Those memories.
I don't want to miss those memories anymore. I want to live them, every single day. I want to squeeze every drop out of life, like a kid licking an ice cream cone until every bit is gone.
We're all on a journey somewhere—and often, the temptation is to not bring anyone else along until we get there. Life is happening every second, and if we're too caught up in what we don't have or where we need to go, we've entirely missed the point. It's not about where we end up that really matters, but who we became along the way, and who we brought with us.
And I think one day we'll look back and smile, and I bet God will too, grateful He gave life to His kids who enjoyed the gift so well.


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Factors Affecting Management Of Change In The Road Agencies In Kenya
Chepkorir, Joylene
MetadataShow full item record
Change management is a structured and systematic approach to achieving a sustainable change in human behavior within an organization. Change process in organizations usually happens due to the awareness of the need for change. The roads sector in Kenya has made some great advances over the last five years. In spite of the attention that the management of change has received from the foregoing, organizations especially in the Road Agencies in Kenya continue to have problems in managing organizational change and the search for generalized laws of change still pervades the discipline. The objective of this study was to determine the factors affecting management of change in the road agencies in Kenya. This study used a cross sectional survey research design administered through questionnaires. This study required an in-depth understanding of factors affecting management of change in the Road Agencies in Kenya. The target population for this study was all the road agencies in Kenya which included the Kenya National Highways Authority, Kenya Rural Roads Authority, Kenya Urban Roads Authority and the Kenya Wildlife Service. The target population had a total of 120 employees from the senior level of management in the agencies. Purposive sampling technique was used to select a sample representing 20% of the target population. This generated 24 respondents from which the study will collect data from. This study collected both primary and secondary data. Primary data was collected using questionnaires while secondary data was obtained from secondary sources which included periodicals, journals, internet and magazines from the company and other sources. Analysis was done using descriptive statistics that included frequency distributions, mean and mode as the measures of central tendency and bar charts to describe the data into simple summaries. Standard deviation was used as the preferred measure of statistical dispersion to compliment the measures of central tendency in analyzing the data. With the help of Statistical Package for Social Scientists (SPSS), the researcher qualitatively and quantitatively analyzed and interpreted the data obtained from the field.

subset: commoncrawl


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Reception: 01235 520173
Admissions: 01235 530593
Executive Assistant to the Headmistress: 01235 546502
Bursary: 01235 520657
Joint Bus Service Co-ordinator: 01235 546565
Fax: 01235 532934
General Enquiries: firstname.lastname@example.com
Admissions: email@example.com
Executive Assistant to the Headmistress: firstname.lastname@example.com
Bursary: email@example.com
Communications Office: firstname.lastname@example.com
Joint Bus Service Co-ordinator: firstname.lastname@example.com
St Helen and St Katharine, Faringdon Road, Abingdon, Oxfordshire, OX14 1BE
How to find us
ISI Inspection Report
Bus routes from across Oxfordshire, see jointbus.co.uk
The Yolande Paterson Hall was transformed into a Victorian circus, complete with ribbons and an aerial hoop, for three rousing performances of Hetty Feather in June. This Lower School production is an adaptation by Emma Reeve of Jacqueline Wilson's much-loved children's novel. The large cast of 53 was led by Annabel (8K) as Younger Hetty and Anna (8J) as Older Hetty, and featured varied characters such as urchins, nurses, aerial hoop artists and even dancing horses. Audiences were enthralled by the titular foundling's quest to find her mother (Emily, 8K), via her kind-hearted foster mother Peg (Bethany, 8J), the tyrannical Matron Bottomly (Iona, 8L) and the flame haired Madame Adeline (Katharina, 8K) at Tanglefield's Travelling Circus. The YPH stage was the perfect playground for the cast; clambering over ladders and planks, climbing on reels and swinging from the hoop, the set and props became everything from a creepy attic to a thrilling circus big top.
Mrs Sharman's innovative direction was ably supported by assistant direction from Rosie (10L) and Liv (10L) and their fun, playful imagination made every scene a joy to watch. We met Elijah, 'the largest elephant in the world' who was made up of large oriental fans (ears) and air conditioning ducting (trunk) and we witnessed a complicated maypole dance to signify bustling London commuters. Musical underscoring was provided by one-woman-band Ms Rakowski and the repeated occurrences of folk tune 'Over the hills and far away' sung in different styles throughout the play added great emotional depth.
Hetty Feather is a play that relies heavily on an ensemble of actors supporting the action throughout, with most of the cast playing at least two, if not three or four characters. With support from a dedicated backstage team, the full company should be exceedingly proud that their nine months of hard work and dedication have paid off so wonderfully.
St Helen's YPH had been transformed into the old cobbled streets of Victorian London during the lower school production of Hetty Feather. The story is about a young girl who after being abandoned at a foundling hospital lives in a foster home and then returns to the hospital as a curious six-year-old! The cast and crew of 75 girls worked tirelessly under the direction of Mrs Sharman and brought this fiery redhead's story to life. The show had some exhilarating performances including some magnificent scenes at the circus and some heartrending performances by Hetty and Ida (her mother).
I had the opportunity to work with an amazing cast and crew of 75 girls along with the incredible staff. I had such an amazing time working on this production and the hard work really did pay off!
Ananya, 7K
Helping direct a show seemed like a daunting task to take on but due to a wonderful, enthusiastic cast and the help of stage management we were able to put on an incredible show I'll honestly never forget being a part of.
Rosie, 10L
Being part of Hetty Feather was such a fantastic (but quite tiring) experience and I enjoyed every moment of it. Well done everyone, it was unforgettable and the audience loved it!
The performance was a lot of fun and really showed just how much effort had been put in by the 53 members of cast, the backstage crew and of course, Mrs Sharman. I still remember the shock of seeing Anna and Anabelle in school with burgundy red Hetty Feather hair!
The dress and tech rehearsal were fun. Mrs Sharman said that all most people needed make-up wise was 'a touch of blusher' – the majority of the cast ended up with an odd mix of (self-applied) blusher, bronzer, concealer, glitter, mascara, lipstick and a generous slathering of sparkly lip gloss, don't even get me started on the hairspray. Yup, that went to plan!
And now you may understand why I began to wonder if I'd peaked too soon in my drama career, dressed in all my harlequined and tutu-ed glory as Circus Performer number two (aka left ear of Elijah the Elephant), as I proudly perched five feet up a ladder wafting a ginormous patterned fan.
I can hardly wait till the next drama performance comes around, I'd definitely recommend auditioning for any future productions!
Anastasia, 7J
© 2019 St Helen and St Katharine
Registered Charity No. 286892


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Growing up in my house was not easy. I had a dad that was gone most of the time, and a mother who had a lot of issues with alcohol. Both of these things affected me a lot, but by the time that I was 19 years old and you that I need to take matters in my own hand to save myself. I started looking for apartments in South Charlotte as soon as I could so that I could try to get away from the disfunction going on in my home. Around the age of 18, I realize that if I stayed living with my parents much longer, I was going to learn to be like them. That is not the way that I wanted to spend the rest of my life.
I think that my parents were relieved when I told that I meant that I was going to look for my own place. One of the things that really helped, is that my father said that he would help me with my first year's rent. I knew this would go a long way toward me succeeding with moving out of the house. What are the things that I help for is that moving out would let me be able to focus on school and a better job for myself. I have been working at a grocery store, and I wanted something better for myself.
Once I moved out of the house, I felt a lot better about the world in general. I learned that not everyone has a family like I do. A lot of people are healthy and mature. Being around new people helped me to see what I need to do in life to get to a better place myself. I want to make something of myself in this world.


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More individuals nowadays experiencing vision issues are settling on vision treatment and this incorporates both grown-ups and youngsters alike. In any case, have you ever thought why? An expert eye master will start by leading an eye exam of the patient. It is during this exam that that the specialist can really decide the vision challenges and in like manner prescribes a customized approach as to the vision treatment. The vision treatment can involve exceptional preparing eyeglasses, works out, the use of eye patches and PC software.
Post conducting the eye exam the correct vision treatment plan will be made which may include the beneath specified activities for example,
• Wear an eye fix at the season of the treatment
• Look through prisms
• Do letter discovering puzzles
• Put tinted plastic over the reading material or wear tinted glass
Our vision therapy for children has a considerable measure of advantages some of which are as per the following,
• It can treat basic vision issues of kids, for example, double vision (Diplopia), cross peered toward (Strabismus) and apathetic eye (Amblyopia). It is a non-surgical treatment it is the best part of our therapy.
• It is a perfect treatment for adults experiencing stress or the individuals who spend a great deal of hours gazing at their laptop, PC, tablet or Smartphone. Our recommendation is to do exercises for resolving eye issues.
• It can demonstrate tremendously helpful for those with visual difficulties like consideration and concentration challenges, learning related vision issues, visual recovery, poor binocular coordination for the uncommon populations and games vision change.
So if you wish to increase your eyesight there can't be a superior decision than vision therapy offered by us. With general activities and the best possible strategies, there will be better opportunities to expand vision and also see ordinarily without the need of wearing any glasses. It offers direction well ordered to unwind visual perception. This is a totally demonstrated technique with no reactions. Vision treatment can help in removing light sensitivity level, far and astigmatism and each type of weight in the visual perception.
With this approach one's vision will be profoundly concentrated and recharged compared with some time recently. Every one of these tosses light why this sort of Therapy is so much in demand. It is the healthiest and easiest programs for enhancing visual eyesight.
Call us at 860-632-UC4D (8243) or complete the form below to send us an email or email us at firstname.lastname@example.com.
Visit us at: www.drjuanitacollier.com


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Awesome Mind Blowing Facts About Mark Zuckerberg That You Should Know
Facebook Founder and Billionaire Mark Zuckerberg has been one of the dominant persons in the world. Here are some amazing facts about his personality, work,achievements and many more.
2. Parents
The name of his father is Edward Zuckerberg. He ran a dental practice and it was attached with their house. His mother was a Psychiatrist before the birth of four children- Zuckerberg, Donna, Randi and Arielle.


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There are 2 important things that an archer has to do well to assure the very best opportunity of routinely attacking the target. The very first is to hold the string steady at complete draw till the archer is ready to shoot and secondly, launching the string in the correct way each time. The majority of tips for novices ought to aid the rookie to attain these 2 goals.
'Creep' is the first concern that a beginner ought to guard against. Creep is the sensation of the traditional wood arrows, string and also hand slipping forward as the archer takes purpose. It is essential to hold the arrow at complete draw for uniformity. If the archer allows the hand to slip onward, the chance will certainly not be consistent. Creep is dued to absence of concentration as well as pressure.
The pressure originates from attempting to fire a bow that the archer is not yet strong enough to regulate. Individuals, especially males usually attempt to fire a bow that is also powerful for them. If an archer is experiencing creep, the bow is possibly as well solid for him or her at the moment. The archer must use a weak bow and workout even more up until they are more powerful.
The impacts of creep on the try are that the archer will certainly not find the best ways to judge the autumn of the arrow over distance therefore will possibly undershoot, that is, the arrow will most likely fail. The only method to discover how you can use the bow properly is to always contend complete draw.
Fatigue can additionally result in creep, yet the archer can control this by sitting well prior to a competition, staying fit and also not making use of a bow that takes so much stamina that it could not be aimed for the period of the competition.
The novice archer has to learn the best ways to release the arrow also. It is far more difficult to attack the target if the launch is wrong. The novice should obtain a skillful archer to provide a presentation of the release to ensure that they does not develop bad routines. The correct way to release the string is to relax the muscle mass in the suggestions of the hands utilized to attract the string.
Newbies commonly injure their hands after a few launches, so they attempt to launch the string as well quickly which can lead to pulling the string sideways a little. This little shake can send out the arrow off course.
The release should be tidy as well as to the back of the traditional wood arrows, not sideways. If the launch is to the rear, the traditional wood arrows will fly real to where the archer aimed it. If the archer is having a great deal of problem conditioning the finger suggestions, it is possible to use a string launch tool, which will certainly take the stress off the finger suggestions up until they could be solidified up.
An archer can try the karate techniques of toughening the skin and also the hand. Among these is to propelled the straight hands into sand. An archer might also attempt a guitar players' method, that of daubing the finger ideas with methylated spirits often.
Reference: http://www.archerysupplier.com.
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Tag: Harper Adams University College
Beth Williams receives first OF&G scholarship
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OF&G is delighted to have set up a new postgraduate scholarship for agro-ecology students at Harper Adams University. Beth Williams, 23, has received the first OF&G Scholarship, which is dedicated to the memory of late OF&G Director Bill Allen. Studying Countryside Management at honours degree level, including a voluntary placement year working with Shropshire Wildlife […]
How modern farmers grow
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We have good reason to be fond of Harper Adams University College here at OF&G. It's down the road from us, we've held AGMs there and, most importantly, we've got some excellent staff who passed through it's hallowed halls as students. Therefore we thought it worth flagging up the campus open day Harper is holding […]


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Building a bright future
With a much-talked about construction worker shortage, it's nice to see the younger generation showing interest in the field.
This was clearly on display at the 38th annual CSI Allentown Chapter Product and Design Show, where students from two local high school groups demonstrated their interest in planning, designing and building projects that benefit their schools.
In a world dominated by talk of robots taking over many tasks in the business world – from automation in manufacturing to self-driving vehicles, it's nice to know that 10 or even 20 years from now, people are still going to be required to plan and build things.
The show attracted nearly 80 manufacturers and suppliers who displayed their latest products and designs but also the projects that two local high school groups are undertaking. CSI, a national association of specifiers, architects and engineers, contractors and facility managers, manufacturers and other related industry professionals, hosted the event at the Holiday Inn and Conference Center in Upper Macungie Township on April 27. To read the full story, click here.
Students from architectural and construction groups at Emmaus High School and William Allen High School in Allentown displayed their projects, which included a design for an observatory and a refurbished baseball field.
But it was hearing the students describe their projects that made the visit worthwhile.
By showing their enthusiasm and sincere interest and depth of skills, the students clearly are on the path toward doing successful things, whichever path they choose.
With public schools facing ever-tightening budgets for financing these projects, without the students' efforts, they clearly wouldn't happen. It's inspiring to see them taking matters into their own hands, doing something positive not only for themselves, but for their schools and communities, all while demonstrating a high level of maturity.
Judging from the work of these students, the future could be a bright one for the construction industry.


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it's a brazilian slang to say something free or not expenssive.
mike: are you gonna see the wildcats?
shirlley: no, it's too expenssive i do not have cash.
mike: no problem, it's 0800.
shirlley: ok i will be there lol
Read Also:
an expression of shock, which can be added as a prefix to the source of shock. off the port bow! 0800 omfg pirates!
p.rettiest g.irl o.f a.ll t.ime she is an amazing girl, the pgoat.
- 080708
the art of a girl stepping back from a guy so that he will miss her presence and pick up his chase for her – a form of hard to get now em… don't crowd him and he will come to you – remember the 080708 of it all?
- 0810
the meanest and toughest long island gang yall best watch out for them 0810's
- 08/15
german slang for something very simple, poor and "not special". history: this slang comes from the german military. the 08/15 was a standard machine riffle, that was first produced in 1908 and later modified. it was the first standardized industrial product and the birth of the german din (=german industrial standard). the soldiers dind't liked […]


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Commercial banks
Commercial banks as a sector of the financial institutions industry overview
The products that modern financial institutions sell and the risks they face are becoming increasingly similar, as are the techniques they use to measure and manage these risks. The two panels in table 11-1 indicate the product sold by the financial service industry in 1950 and in 2003.Three major FI groups-commercial banks, savings institutions, and credit unions –are also called depository institutions because a significant proportion of their funds come from customer deposits. Chapters 11 through 14 describe depository institutions, their financial statement, and the regulation that govern their operations.
Depository institutions
art three of the text summarizes the operation of depository institutions. Chapter 11 describes the key characteristics and recent trends in the commercial banking sector.
Chapter 12 does the same for the thrift institutions sector. Chapter 13 describes the financial statement of a typical depository institutions and the rations used to analyze those statement .
Chapter 14 provides a comprehensive look at the regulation under which these financial institutions operate and, particularly, at the effect of recent changes in regulations.
7 . Technology in commercial banking
Certain to affect the future performance of commercial banks (as well as all financial institutions ) is the extent to which banks adopt the newest technology. Including the extent to which industry participants embrace the internet and online banking. Technological innovation has been a major concern of all types of financial institutions in recent years. Since the 1980s, banks, insurance companies, and investment companies have sought to improve operational efficiency whit major investment in internal and external communication, computer and expended technological infrastructure. Internet and wireless communications technologies are having a profound effect on financial services. These technologies are more than just new distribution channels-they are completely different way of providing financial service. Indeed, a global financial service firm such as Citigroup has operations in more than 100 countries connected in real time by a proprietary-owned satellite system.
Technology is important because well-chosen technological investment have the potential to increase both the FI' s net interest margin –or the difference between interest income and interest expense-and other net income. Therefore , technology can directly improve profitability. The following subsections focus on some specific technology-based product found in modern retail and wholesale banking. Note that this list is far from complete.
Wholesale Banking Services
Probably the most important area on which technology has impacted wholesale or corporate customer services is a bank's ability to provider cash management or working capital services. Cash management service needs have largely resulted from (1) corporate recognition that excess cash balances result in a significant opportunity cost due to lost or forgone interest and (2) corporate need to know cash or working capital positions on a real-time basis. Among the services that modern banks provider to improve the efficiency with which corporate clients manage their financial positions are these:
1. controlled disbursement accounts. An account feature that allows all payment to be made in a given day to be known in the morning. the bank informs the corporate client of the total funds it needs to meet disbursement, and the client wire transfers the amount needed. These checking accounts are debited early each day so that corporations can obtain an early insight into their net cash positions .
2. account reconciliation. A checking feature that records which of the firm's checks have been paid by the bank .
3. lockbox services. A centralized collection service for corporate payments to reduce the delay in check clearing, or the float . in a typical lockbox arrangement, a local bank sets up a lockbox at the post office for a corporate client located outside the area. Local customers mail payment to the lockbox rather than to the out-of-town corporate headquarters. The bank collects these checks several times per day and deposits them directly into the customer's account. Details of the transaction are wired to the corporate client.
4. electronic lockbox. Same as item 3 but the customers receives on-line payments for public utilities and similar corporation clients.
5. funds concentration. A service that redirects funds from accounts in a large number of different banks or branches to a few centralized accounts at one bank.
6. electronic funds transfer. Includes overnight payments via CHIPS or Fed wire , Automated payment of payrolls or dividends via automated clearinghouses (ACH s), and automated transmissions of payment massage by SWIFT, an international electronic massage service owned and operate by U.S. and European banks that instructs banks to make specific payments.
7. check deposit services. Encoding ,endorsing, microfilming, and handling customers' checks.
8. electronic initiation of letters of credit. allows customers in a network to access bank computers to initiate letters of credits.
9. treasury management software. allows efficient management of multiple currency and security portfolios for trading and investment purposes.
10. electronic data interchange. A specialized applications of electronic mail, allowing businesses to transfer and transact invoice, purchase orders, and shipping notices automatically, using banks as clearinghouse.
11. facilitating business-to-business e-commerce. A few of the largest commercial banks have begun to offer firms the technology for electronic business-to-business commerce. The banks are essentially automating the entire information flow associated with the procurement and distribution of goods and services among businesses
12. Electronic billing. provides the presentment and collection services for companies that send out substantial volumes of recurring bills. banks combine the email capability of internet to send out bills with their ability to process payment electronically through the inter bank payment networks
13. verifying identities. using encryption technology a bank certifies the identities of its own account holders and serves at the intermediary through which its business customers can verify the identities of account holders at other banks
14. Assisting small business entries in e-commerce. helps smaller firms in setting up the infrastructure-interactive website and payment capabilities for engaging in commerce.
Retail banking services
Retail customers have demanded efficiency and flexibility in their financial transaction. using only checks or holding cash is often more expensive and time consuming than using retail oriented electronic payment technology, and increasingly , the internet. Some of the most important retail payment product innovations include the following
1. automated teller machines (ATM).allow customers 24 hours access to their checking accounts. they can play bills as well as withdraw cash from these machines. in addition, if the bank ATM's are part of a bank network (such as CIRRUS,PLUS or HONOR) retail depositors can gain direct nationwide and in many cases international access to their deposit accounts by using the ATM of other bank in the network to draw on their accounts
2. point of sale debit (POS) cards. allow customers who choose not to use cash, checks, or credit cards for purchases to buy merchandise using debit card/point of sale (POS) terminals. the merchant avoids the check float and any delay in payment associated with credit card receivables since the bank offering the debit card/POS service immediately and directly transfer funds from customers deposit account to the merchants deposit account at the time of card use. unlike check or credit card purchases, the use of debit card results in an immediate transfer of funds from the customer's account to the merchant's account. Moreover, the customers never runs up a debit to the card issuer as is common with a credit card .
3. home banking. Connects customers to their deposit and brokerage accounts and provides such services as electronic securities trading and bill-playing service via personal computers.
4. preauthorized debits/credits. Includes direct deposit of payroll checks into bank accounts and direct payments of mortgage and utility bills.
5. paying bills via telephone. Allows direct transfer of funds from the customer's bank account to outside parties either by voice command or by touch-tone telephone.
6. email billing. Allows customers to receive and pay bills by using the internet. Thus saving postage and paper.
7. on-line banking. Allows customers to conduct retail banking and investment services offered via the internet in some cases this involves building a new on-line internet only bank, such as Security First Network Bank of Atlanta.
8. smart cards ( stored-value cards ). Allows the customers to store and spend money for various transaction using a card that has a chip storage device, usually in the farm of strip. these have become increasingly popular at universities .
Early entrants into internet banking have been bank that have introduced new technology in markets with demographic and economic characteristic that help ensure customers acceptance, e.g., urban banks with a strong retail orientation that have tailored their internet offering to their retail customers. For example, in early 2001, city-group reported a total of 2.2 million online customers. Similarly, J. P. Morgan chase repotted a total of 750.000 online customers and wells Fargo 2.5 million. Bank of America reported it had been signing up 130.000 online customers per month in early 2001. these early entrants have generally developed their internet related product to gain access to non core , less traditional sources of funds. Bank that have invested internet banking as a complement to their existing services, have performed similar to those without internet banking, despite relatively high initial technology related expenses. in particular, these bank generally have higher non interest income (which offsets any increased technology expenses ) . further, the risk of banks offering internet related banking product appears to be similar to the risk of those bank without internet banking.
In addition to development of internet banking as a complement to the traditional services offered by commercial banks, a new segment of the industry has arisen that consist of internet-only banks, that is, these banks have no "brick and mortal" facilities, or are "bank without walls" in these banks, all business is conducted over the internet. However, internet-only banks have yet to capture more than a small fraction of the banking market. While ATMs and internet banking may potentially lower bank operating costs compared to employing full-service tellers, the inability of machines to address customers concerns and question flexible may drive retail customers away : revenue losses may counteract any cost-saving effect. Customers still want to interact with a person for many transaction. For example, a survey of the home buying and mortgage processing by the mortgage bankers association ( in 2000) found that, while 73 percent of home buyers used the internet to obtain information on mortgage interest rates, only 12 percent applied for mortgage via the internet and only 3 percent actually closed on a mortgage on the internet. as new technology is implemented, banks cannot ignore the issue of service quality and convenience. Indeed , the survival of small banks in the face of growing nation wide branching may well be due in part to customers' beliefs that overall service quality is higher with tellers who provide a human touch rather than the internet banking and ATMs more common at bigger banks, even internet-only banks are recognizing this as " virtual" bank such as security first network bank (the first internet-only bank) added 150 " bricks" (branches ) in 2000. further, a new type of customers service will be needed; customers require prompt , well-informed support on technical issues as they increasingly conduct their financial business electronically.
8 regulators
While chapter 14 provides a detailed description of the regulation governing commercial banks and their impact on the banking industry, this section provides a brief overview of the regulators of this group of Fl S. Unlike other countries that have on or sometimes two regulators, U.S. banks may be subject to the supervision and regulation of as many as four separate regulators. These regulators provider the common rulers and regulation under which banks operate. They also monitor banks to ensure they abide by the regulation imposed. As discussed in chapter 4 it is the regulators' job to among other things, ensure the safety and soundness of the banking system. The key commercial bank regulators are the federal deposit insurance corporation ( FDIC), the office of the comptroller of the currency (OCC), the federal reserve system (FRS), and state bank regulators. The next section discuss the principal role that each plays.
Federal deposit insurance corporation
Established in 1933, the federal deposit insurance corporation ( FDIC ) insures the deposit of commercial banks. In so doing, it levies insurance premium on banks
Manages the deposit insurance fund ( that is, generated from those premiums and their reinvestment ),and conduct bank examination. In addition, when an insured bank is closed, the FDIC acts as the receiver and liquidator, although the closure decision it self is technically made by the banks chartering or licensing agency ( see below ). Because of problems in the thrift industry and insolvency of the saving association insurance fund ( FSLIC ) in 1989 ( see chapter 14), the FDIC now manages both the commercial bank insurance fund the saving association insurance fund. The bank insurance funds is called BIF and the saving association fund is called the savings association insurance fund, or S A l F ( see chapter 12). The number of FDIC-BIF insured banks and the division between nationally and state-chartered banks is shown in figure 11-10.
Office of the comptroller of the currency
The office of the comptroller of the currency (OCC) is the oldest U.S. bank regulatory agency. Established in 1863, it is organized as a sub agency of the U.S. treasury its primary function is to charter nation banks as well as to close them. In addition, the OCC examines national banks and has the power to approve or disapprover their merger application instead of seeking a nation charter, however, banks can seek to be chartered by 1 of 50 individual state bank regulator agencies .
Historically, state chartered banks have been subject to fewer regulation and restriction on their activities than nation banks. This lack of regulatory oversight was a major reason many banks chose not to be nationally chartered. Many more recent regulation ( such as the depository institution deregulation and monetary control act 1980 ) attempted to level the restrictions imposed on federal and state chartered banks (see chapter 14 ). Not all discrepancies, however, were changed and state chartered bank are still generally less heavily regulated than nationally chartered banks. The choice of being a nationally chartered of state-chartered bank lies at the foundation of the dual banking system in the united states. Most large banks, such as city bank, choose nation charters, but others have state charters. For example, Morgan guaranty, the money center bank subsidiary of J.P. Morgan chase, is chartered as a state bank under state of New York law. At year-end 2001 2,137 banks were nationally chartered and 5,943 were state chartered, representing 26.4 percent and 73.6 percent, respectively, of all commercial bank assets.
Federal reserve system
In addition to being concerned with the conduct of monetary policy, the federal reserve, as this country's central bank, also has regulatory power over some bank and where relevant, their holding company parents. All 2,137 nationally chartered banks shown in figure 11-10 are automatically members of the federal reserve system (FRS). In addition, 972 of the state-chartered banks have also chosen to become members. Since 1980, all banks have had to meet the same non interest- bearing reserve requirements whether they are members of the FRS or not. The primary advantage of FRS membership is direct access to the federal funds wire transfer network for nationwide inter bank borrowing and lending of reserves finally, many banks are often owned and controlled by parent holding companies-for example, city group is the parent holding company of city bank ( a nation bank). Because the holding company's management can influence decision taken by a bank subsidiary and thus influence its risk exposure, the FRS regulates and examines bank holding companies as well as bank themselves .
State authorities
As mentioned above, banks may chose to be state-chartered rather than nationally chartered. State-chartered commercial banks are regulated by state agencies. State authorities perform similar function as the OCC performs for national banks.
9. Global issues
For the reasons discussed in earlier chapters, financial institutions are of central importance to the development and integration of market globally. However, U.S. financial institution must now compete not only with other domestic financial institution for are share of these markets but increasingly with foreign financial institution. Table 11-8 list the 20 largest banks in the world, measured by total asset, as of July 2001. only 3 of the top 20 banks are U.S. banks .the three-way merger between the industrial banks of Japan , Fuji bank, and Dai-Ichi Kangyo bank in 2000created the world's largest banking group MIZOHU financial group with assets of over $1,29 billion table 11-9 list foreign bank office' assets and liabilities held in the united state from 1992 through 2001. total foreign bank assets over this period increased from $509.3 billion to $850.9 billion. The world's most globally active bank, based on the percent of their assets held outside their home countries, are listed in table 11-10. these include the big Swiss banks ( union bank of Switzerland and credit Swiss ) as well as one U.S. bank, American express bank. The two largest U.S. banks, Citigroup and J.P. Morgan chase ranked 28th ( with 36.41 percent of the their business overseas ) and 29th ( with 35.34 percent of their business overseas ), respectively .
Advantages and disadvantages of international expansion
International expansion has six major advantages:
Risk diversification as with domestic geographic expansion and F I' s international activities potentially an enhance its opportunities to diversify the risk of its earning flows. Often domestic earning flows from financial services strongly linked to the state of the domestic economy. Therefore the last integrated the economies of the world are the greater is the potential for earning diversification through international expansion.
Economies of scale. To the extent that economies of scale exist. An FI can potentially lower is average operating costs by expanding is activities beyond domestic boundaries.
Innovation. An FI can generate extra returns from new product innovation if it can sell such services internationally rather than just domestically. For example, consider complex financial innovations, such as securitization, caps , floors, and options, that FI s have innovated in the united states and sold to new foreign market with few domestic competitors until recently .
Found source . international expansion allows an FI to search of funds. This is extremely important with the very thin profit margins in domestic and international wholesale banking it also reduces the risk of fund shortages ( credit rationing ) in any one market .
Customers relationship . international expansions also allow an FI to maintain contact with and service the needs of domestic multinational corporations. Indeed, one of the fundamental factors determining the growth of FI' s in foreign countries has been the parallel growth of foreign direct investment and foreign trade by globally oriented multinational corporation from the FI' s home country.
Regulatory avoidance . to the extent that domestic regulations such as activity restriction and reserve requirements impose constraints or taxes on the operations of an FI, seeking low-tax countries can allow an FI to lower its net regulatory burden and to increase is potential net profitability .
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Hello everybody!
So the next time you make your own fried egg add some medicine to it!
Here is a list of certain characteristic fried egg appearances that you may Come across:
Mycoplasma Pneumoniae colonies show fried egg colonies on Eaton agar.
Oligodendroglioma cells show a fried egg appearance.
Hairy cell leukemia cells on bone marrow biopsy.
Seminoma cells on light microscopy.
Parietal cells of the stomach due to acidophilic cytoplasm & large central nuclei also resemble fried egg appearance.
Let's learn Together!


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by Lauren Fitch
Always keep your foes confused. If they are never certain who you are or what you want, they cannot know what you are like to do next. Sometimes the best way to baffle them is to make moves that have no purpose, or even seem to work against you. Remember that, Sansa, when you come to play the game. –Petyr Baelish
Two weeks ago, we talked about tactics for set-up and plot (http://www.whitebookpodcast.com/white-harbor-times-tactics-part-1-setup-plot-phase/). This week, we'll discuss the Marshalling and Challenges Phases. What should you marshal? Does the order matter? Which challenge should you make first, and whom should you stealth?
Marshaling Phase
What you should or should not marshal depends quite a bit on the board-state and on the specific goals of your deck, so rather than give general advice on how to marshal, here are some things to look out for during the marshaling phase:
- If you are going to play a card that lets you draw (Littlefinger or Pleasure Barge), do it first, so you have that extra information available when deciding what else to marshal.
- You'll sometimes have a choice of Limited cards to play. When choosing between a gold-producing location like The Roseroad and a reducer like Blood Orange Grove, consider whether you need the reduction this turn or if you can marshal everything you need without it. If you don't need the reduction this turn, play The Roseroad. The gold is more flexible long-term, and you can't use location reducers on events.
- Treachery: look out for Treachery during the Marshaling phase on Littlefinger, Pleasure Barge, or Kingsroad. I see a lot of sloppy play with people slapping down Littlefinger and then immediately drawing off their deck. From the other side, Lannister/Lion players: Pleasure Barge and Kingsroad are some of the best Treachery targets in the game. If you've got the gold, strongly consider canceling them.
- Consider getting your card-draw location out as early as possible. This play is most important in Greyjoy, Lannister, Stark, and Baratheon, whose card-draw locations are easy to trigger. In Tyrell, it can be difficult depending on your board-state, so it's OK to wait until you've built up your characters.
- What does your character spread look like? Can you block all 3 challenges (if you need to)? Should you play a stealth character to prevent the Greyjoy player from getting an unopposed military challenge? Do you have enough power icons to trigger The Red Keep or Plaza of Punishment?
- Make sure you have at least one character you don't mind losing to military claim. Even the best laid plans can go awry. Tywin Lannister and Tyrion Lannister look great until you realize that you're going second and your opponent has a duped Arya Stark.
- Leave yourself a gold or two if you can, even if you don't have any events in hand. Saved gold lets you bluff events, and you might need the extra cash for a The Hand's Judgment or an opponent's Brothel Madame.
The Challenges Phase looks very different depending on whether you're first or second player, and what type of deck you're playing. Here are some things everyone should look out for:
- Pre-challenge actions: There are several types of actions you may want to trigger before challenges, like Seen in Flames, or Syrio Forel / Nymeria Sands' abilities. Most players will trigger these immediately at the start of the challenges phase; however, it's almost always better to wait as long as you can before triggering. Being patient gives your opponent less time to re-evaluate their turn with this new information. For example, let's say you are second player and you are playing Baratheon. Your opponent is playing Stark and she has left herself 2 gold. You have Seen in Flames in hand and you have already triggered Melisandre's ability this turn. You want to play Seen in Flames to see if your opponent is holding a Put to the Sword. When should you play Seen in Flames? The best time to play it would be after attackers are declared in the military challenge but before defenders, thus allowing your opponent to overcommit to the military challenge to ensure winning by 5 or more. When you play Seen in Flames, you can use the information garnered to help you decide which defenders to commit to the challenge. If you use the Seen in Flames at the start of the round and discard their Put to the Sword then, your opponent may choose to put in fewer attackers in the military challenge, leaving more characters available to defend.
- When deciding which challenges to make and with which characters, determine ahead of time which challenge is most important for you to win and what needs to happen to allow you to win. As first player, I will frequently make only one challenge unless I am in a very dominant board position, to avoid leaving myself open to three unopposed challenges from my opponent. I generally make a power challenge.
- Don't be afraid to make challenges you can't win, especially as first player. For example, when playing Greyjoy, I often lead with an intrigue challenge, kneeling my one-strength Lordsport Shipwright. My opponent has to decide whether to let it go unopposed (with all that means for Greyjoy), or block with a stronger character, perhaps leaving herself open to the next challenge, effectively creating a lose-lose situation for your opponent.
- When declaring Stealth, all other things being equal, stealth the character with the fewest icons. If your opponent uses a bicon to defend, she is removing more options from their playbook than if she were to defend with a monocon. Similarly, if you can win the challenge either way, stealth the character with the lowest strength, not the highest. Then, if she wants to defend, your opponent has to kneel a higher strength character to do it.
- Protect your beef. Got an unduped Balon Greyjoy or Robert Baratheon? Then you'd better not be losing any intrigue challenges. Plan ahead to make sure that doesn't happen. Use Bob to kneel the remaining intrigue icon instead of the biggest body, or kill it with the Seastone Chair.
- Don't forget about dominance! Let's say you can win an opposed power challenge while dominance for your opponent, resulting in +1 power for you and 0 for her (-1 power claim +1 dominance power = 0 net power). Should you make the power challenge or leave your character standing and win dominance, resulting in the same total power? Unless you have other effects that rely on winning a challenge, leave it on the board and go to dominance. You don't know whether your opponent has a Widow's Wail or Growing Strong to ruin your plans.
What do you think? Got any tricks up your sleeve? Share them in the comments!


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The medical term for the studies of the kidney and diseases is called nephrology. It concerns with the diagnosis and treatment of kidney diseases.
The mammalian kidney develops from intermediate mesoderm and the development of kidney is called nephrogenesis. It consists of 3 phases which are pronephros, mesonephros and metanephros.
The kidney is such an essential organ in maintaining homeostasis. If the kidneys fail to develop in fetus, it is not compatible with life. Even if the infants are born alive, they do not live beyond 4 hours. It suggests that it is crucial for living and it never stops working until the end of your life which behaves like other organs, e.g. heart, lungs and liver.
Moreover, kidneys are also present in other organisms, e.g. lamb, pigs, chicken, and they have similar structures and functions. This suggests that kidneys were present in the common ancestors which again shows how important it is to the organism.
Fig. 1 Lamb kidneys
Banner image courtesy of Flickr under creative commons license:
Figure 1: Image courtesy of
This image is under the creative commons license.
Patients with kidney failure living longer
Kidney Stones Raises Chronic Kidney Disease Risk
Low birth rate babies may later develop chronic kidney disease


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Deer HUnter 2014 Hack seems to make the game more boring
Deer Hunter 2014 takes you to the wild jungle in which you work as a marauder to this substantial home of various creatures. Make use of this first-person shooting adventure to a next level while you carry the part as a hunter menacing for preys as the hunting season comes near. This simulator adventure will give you the enjoyment and excitement of a genuine deer hunting as you lay your hands on your personal android or iOS gadgets. Eliminate and catch the perfect exotic creatures in Deer Hunting 2014 as you discover the best and the expensive in game items through funds and gold.
Feels like just another fps game having a better storyline, right? Nonetheless, it is just the same old common google android video games which often permits you to beat the video game by unlocking expensive items and triumphs via repeated gameplay. The harder you want to track down bigger and greater preys the higher the need for you to acquire gold and cash as you unlock items and equipments essential for the kill. However, Deer Hunter 2014 hacks commonly ruins the entire goal of the game. With the capacity to immediately acquire unrestricted degrees of money and gold without the need to hunt more, the game appears to grow tedious. This quite simply makes the game pointless when you will no longer need to have a greater hunt as you have basically unlock every thing apart from the achievements that are obviously not purchased for gold or cash. Income and gold which are designed to unlock the expensive items and instruments which are also intended to be used for significantly better hunting is no longer a need in the game. As long as there is a level requirement for every stuff and equipment, then the Deer Hunter 2014 Hack nonetheless defintely won't be competent to unlock items through unlimited gold or cash. What exactly is perhaps still left for you to do will be to unlock those triumphs, medals, milestones or anything similar. Well, that should be the only motivating aspect left for you in order to ultimately accomplish and complete the game. And as for me, it will eventually still be monotonous. I mean utilizing Deer Hunter 2014 hacks will definitely eliminate the whole point of the video game which is to produce gold and cash while you are ascending your way to the top and having fun. As early as one week, that should be enough for those cheaters and hackers to finish the game. There are even hacks for accomplishments and milestones. Well, that has a tendency to definitely end the fun. Well, if you do need to take a look at some functioning Deer Hunter 2014 Hack, then click this link.


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Harm Reduction Center
Home > Services > Harm Reduction Center
The Harm Reduction Center at Evergreen Health is for people who use drugs and would like support to be safe, improve their health and reduce risk of overdose. Learn more about Harm Reduction in our Mission Statement.
We provide:
- Access to clean syringes and works
- Overdose Prevention Training (Narcan)
- One-on-one support
- Support Groups
- Harm Reduction education for professionals and community groups
We can connect you with:
- Medication assisted treatment
- Detox and inpatient treatment
- Counseling
- Case management
- Medical care
- Other support services
Locate our Mobile Unit for services near you:
- Mobile Unit Outreach - Live updates during operating hours
When you're ready, we're here.
Stop in or call Evergreen Health for more information. Messages will be returned the following business day.
The Harm Reduction Center at Evergreen Health
206 South Elmwood Avenue, 3rd FloorMonday–Friday: 8am–5pm, Tuesday: 8am–8pm
- No appointment needed - walk-ins welcome
- Free & confidential
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CM/ECF Login
PACER Login
Any attorney with a Fourth Circuit CM/ECF account can utilize the Notice for Cases of Interest utility to receive notice of activity in any case in the court.
If you do not have an e-File account with the court, register for an "Interested Party" e-File account to access the Notice for Cases of Interest utility. To register:
Registration Wizard
NOTE: With the exception of court orders and opinions, electronic documents filed in immigration cases and social security cases cannot be accessed by members of the public via PACER. You may request notice of activity in social security and immigration cases, but you will only be able to view court orders, opinions and judgments.


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The legendary Interface and his Trinidadian counterpart LAZAbeam, otherwise known together as Jus Now, return with their second offering on the ever-ascending Gutterfunk Records. After the summer smash 'Tun Up' from the One Time EP, which saw plays and rewinds around the world from the likes of David Rodigan, Shy FX, Redlight and Baauer to name just a few, they bounce back with two of their finest grooves yet.
They have kicked up a hype amongst Radio 1 and 1Xtra listeners with Zane Lowe and Mistajam routintely bumping their sound over the waves. Jus Now are quickly gaining momentum due to their unique electronic crossover with carnival, dancehall and soca music, and this release certifies that punctually.
Bare Wine (feat. Swappi)
This one is complete vibes galore, the sampling of Swappi's vocals blesses the track's rhythmic Caribbean flavour impeccably. The chanting reiteration of; "Drop your batty to the ground then pick it up!", plays over the intro as it pumps with bongos and epic horns into a mightily percussive 'riddim'.
'Bare Wine' balances the fusion amicably between the Trinidad-inspired tropical musicality, and the strong bass energy that the Bristol scene is renowned for. Continuing on from 'Tun Up' with another ground-breaking anthem, this tune is likely to be heard on all DJ circuits right through into next summer and beyond.
Vodou Riddim
Taking it back to a more intricate and deeper approach with the B-side, this one is a sheer half-time and eyes-down piece. Opening with an alluring synth and sub hits, it rolls smoothly into a straight head-nodder, displaying the minimal tone of Jus Now's production.
Before long the space between the kicks and snares are filled out, and the track morphs into a downright sub-heavy roller, lead by precisely placed carnival drums. The synth reintroduces itself as the song allows itself to smoothly wind down, wrapping the release up squarely with a subtle alternative to Jus Now's usual party stompers.
Bare Wine / Vodou Riddim is available to pre-order now through the Gutterfunk website, due for release on 4th November.
Find more of Jus Now on SoundCloud and Facebook, as well as Interface and LAZAbeam on Twitter.
Originally written for UK Bass Music.


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Chapter seven is a continuance of what is known as the greatest sermon ever "the Sermon on the Mount," that began in Matthew chapter five and ends in chapter eight. What I am specifically looking at is chapter 7:13-23 which is near the conclusion of the Sermon on the Mount.
Now in verse thirteen and fourteen of chapter seven, it says "Enter in through the narrow gate for the gate is wide and the way is broad that leads to destruction, and there are many who enter through it. For the gate is small and the way is narrow that leads to life and there are few who find it." Here Jesus is telling his listeners to enter through a narrow gate and urging his listeners to avoid the wide and broad gate. To go through the narrow gate would cause people to go in one at a time as though he was saying you come in alone, and with no one else but you. Then he warns his listeners about the wide gate, through this gate everyone can come in at once for it is wide and broad, there is enough room to make you feel comfortable, but there is a problem with the wide gate, it leads to destruction. The word destruction is important, in Greek it is Apwleia(apoleia) which in the New Testament refers to the state after death wherein exclusion from salvation is a realized fact, wherein man, instead of becoming what he might have been, is lost and ruined. And then he says "there are many who enter through it." Here the Lord is saying that the majority of the people will be lost, the many seem to be those who like the comfort of the world and its pleasures, and they just go along with the crowd.
In verse fourteen Jesus adds "For the gate is small and the way is narrow that leads to life and there are few who find it." Here Jesus says that the only way to life is through the narrow way and the small gate, we know from the Holy Scriptures that it says Jesus is the way (John 14:6) he is the gate or the door to eternal life. Jesus says that there are few who find it, meaning that in order to go through the narrow gate you must find it, go in search of it, this is saying it's not easy to find the gate you can't just stumble upon the gate, it is as when GOD told the Hebrews who were in exile in Jeremiah 29:13,14 that if they seek Him He will be found, and he him self is seeking for us. The many in verse 13 are not even willing to look for it they want a quick fix or easy religion what ever they think makes them happy.
Now in verse fifteen Jesus gives us a warning he says "watch out for false prophets, they come to you in sheep's clothing, but inwardly they are ferocious wolves." Here Jesus is saying be aware, or on alert, of false prophets, here the words false prophet in Greek yeudoprofhths (pseudoprophetes) a pretend foreteller or religious imposter, comes in unnoticed looking like a believer and even acting like one but on the inside he is a wolf and his heart is full of hate, worldliness, and sin.
From verses sixteen through nineteen Jesus uses an analogy of good fruit and bad fruit, in other words a true convert and a false convert, and it ends with the bad tree that produces bad fruit being cut down and thrown into the fire or the false convert being thrown into the lake of fire, and in verse 20 he concludes the analogy that they can be recognized by there fruit, but we must be on the watch.
In verses twenty one through twenty three, the Lord goes on to say "Not everyone who says to me, 'Lord, Lord, will enter the kingdom of heaven, but only he who does the will of my Father who is in heaven. Many will say to me in that day, Lord, Lord, did we not prophesy in your name and in your name drive out demons and perform many miracles? Then I will tell them plainly, I never knew you, depart from me you who work iniquity." Jesus is saying just because you claim to be this or that does not mean you will enter heaven, he says only those who are obedient who does the will of the Father will enter heaven. He says ….many will say in that day, Lord, Lord …..here we have the many who were on the broad road back in verse thirteen, they will say Lord, Lord in that day, the day of judgment as they stand before the Bema seat of Christ and they will boast of them self's saying "…did we not prophesy in your name, and in your name drive out demons and perform many miracles." They think this is the will of GOD, but they are false converts who are dressed in sheep's clothing, but are wolves on the inside. They boast about there works as though they can enter heaven by their own standards, almost as to say Christ isn't sufficient enough. Then Jesus will say to them "Then I will tell them plainly, I never knew you, depart from me you who work iniquity." Here Jesus clearly says to these false believers …I never knew you… the Greek word for "knew" egnwn (egnon) is the same Greek word in the Septuagint Bible where it is talking about Adam knowing his wife Eve. He is saying I never had a personal relationship with you, telling them to depart from his presence, this is the way to destruction where man is separated from GOD's salvation, his mercy, his kingdom, and separated from Him forever. Jesus wants a relationship with those that are his, the very ones he saved. So let us therefore go in through the small narrow gate and have that personal relationship with Jesus Christ, for it is a fearful thing to have GOD says to you "I never knew you, depart from me you who work iniquity".
The rhetorical device that I used was the pentad theory that was developed by Kenneth Burke his rhetorical theory is known as his dramatistic pentad that was presented in his work, A Grammar of Motives (1945).he divides rhetorical situations in to five constituent elements for analysis. The five elements of pentad are the act, the scene, the agent, agency, and purpose. the first two elements that I used was where the scene is taking place and the act, what was done or is being done, chapter seven is a continuance of chapter five were Jesus is giving a sermon on the mount that is located in the region of Galilee this is the scene. Jesus was giving a sermon which means he was talking to his audience that came from all around the near by regions and beyond Jordan this is the act in which he was doing. The agent is the person performing the action; here Jesus is the one who is performing the action of talking. The agency is the means by which the agent performs the act, the means by which he was performing the act was that there was a large crowd who traveled to see and hear what Jesus Christ was saying. And finally the fifth element is the purpose the reason for the action and the intended goal. His purpose was that they may hear the gospel the very message that GOD wanted them to hear that they may know the truth, and his intended goal was that when they hear they listen and respond in obedience to the message that they heard and flee from all that is sinful and turn towards him for all hope, peace, love, forgiveness, for the hope of salvation. I found Kenneth Burke's theory of rhetoric the pentad to be very helpful in interpreting this passage of the Holy Scriptures to analyze the Word of GOD to read and see all that he is saying to them and to us, but I must not forget that interpretation comes by the Holy Spirit.


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Incredible harmonies.
An incredible vocals only version of Nirvana 'Smells like Teen Spirit'.
A lovely, emotional song performed and written by the brilliant Josh Record. Great.
John Mayer performing Free Fallin' cover in the Nokia Theatre. One of my favourite covers of all time.
This is a new song by Lauren Aquilina, and I think it is beautiful.
I love this song!
An awesome single from New Kids on the Block.
One of my favourite songs at the moment from Lauren Aquilina!
A very funny video from NigaHiga!


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"9 months today and this lil boy was greeted by snowmageddon. Zipped him up in his @lucyand.co vest and he was ready to go play!" writes @juno_the_shiba
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Morning Reflection | Photograph by Cezary Filew
In Yuanyang, China, the sunrise reflects off the waters of rice terraces. Since rice requires irrigation, growing it in a terrace formation helps prevent erosion and soil run-off.
Today we are featuring @natgeoyourshot photographs selected for @natgeo "Photo of the Day." To see more, go to natgeo.com/pod. #YourShotPhotographer
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Ubud - Bali. Tag someone you love ❤❤❤
🎥 by @adinistorfoto @ricgm @candela.mont
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Wavy gravy 🏄🏼♂🌊 // Hiked 10 miles through the desert to see these rocks, nature is amazing 😍
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Photo by @jimmychin | Rule #1 for a big day in the mountains: Plan and prepare so you don't get caught out after dark. Rule #2: Always pack your headlamp. Paul Mcsorley happy he abided by rule #2 while finding alpine perfection after a long day in the Coastal Range of British Columbia. For more mountain adventures around the world, follow @jimmy_chin.
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Photo by @krystlejwright // As a storm system from the south chased us north along the Antarctic Peninsula, we were greeted with spectacular evenings. Easily a paradise for any photographer when dramatic light aligns with an equally magical landscape #Antarctica @natgeoexpeditions
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Hello, world! Today's #WeeklyFluff is Coco, a Congo African grey parrot who's feeling particularly co-dependent after Valentine's Day. "She will follow me all around," says Coco's human Jackie Persaud (@mss_jackie_j). "Once she loses [sight of] me, she will scream like a toddler and ask, 'Where you? Where you? Where you?'"
Deep down, Coco just wants your undivided attention.
Photo by @mss_jackie_j
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¿Te gusta el trap / Otros estilos? ¡Demuéstralo subiendo una foto con el hashtag #NGPWR! ¡Mírala en pantalla en el estreno de "Noisey"! 🎧📺⬇
Estreno, en marzo, por National Geographic.
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Happy Valentines Day!
#valentinesday2019 #everythingeverywhere
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© Inkphy.


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|Many thanks to Ali Mellati for this nice shut.
I was going to write this article much earlier when the house sent me a 5ml dabbing jar last autumn, but for certain reasons I have postponed it to spring to match my points and perceptions. Serge Lutens who frequently looks to east for source of inspiration, in this 2011 exclusive jar perfume (it is still available in small quantity in 50ml spray bottles here and there on internet or some boutiques) deliberately closes eyes to Morocco and merely refers back to his European origin. De Profundis is perhaps Lutens' least oriental perfume, so as Sheldrake's least oriental work for the house.
"As long as I'm alive, so is my Death. Every hero on a quest for glory is racing towards the proof of his mortality.The scent of chrysanthemums and incense"This is the current description on house's webpage. You may find longer descriptions in earlier reviews as in Perfume Shrine. My first impression is almost the same to all earlier reviewers' who stated De Profundis is not necessarily about death or grief. I hereby am indicating on impact of cultural background on perceptions and emotions cause I totally get something different; largely in contrast with Lutens' statement.
|The inspiration source for the fragrance comes from æsthete Oscar Wilde to his friend and lover, Bosie (Lord Alfred Douglas) during his imprisonment in Reading Gaol.
De Profundis unleashes on skin with cold and fragile floral theme set with soprano accent that emerges petrichor smell and telluric vibes. I use telluric instead of dusty to emphasize on wet soil and fertility of the ambiance. While this mystical flirtatious and acerbic floral aura means sad mood to Lutens, it highly evokes the sense of spring and new year celebration in Persian culture that happens at 21th march, and as a result it delivers joy and vivality. By this, I don't hundred percent deny his vista through the scentscape of chrysanthemum cause more or less, I feel something's weird in this fragrance. Something unusual and out of order keeps me worrying and triggers an unnamed unease feeling. The impact of this minute-noised floral patch is that large that I would wear it in Bach's majestic funeral, if I would follow the trend. That gigantic impact comes from camouflaged animality behind green earthy note that deals in a great oddity which is Lutens' persona. It's soft, creamy and hesitatingly sweet, but opaque that hard to acquire.
Since I'm insist on distinct perceptions emerged from cultural diversities, obviously I go on regardless to the inspiration concept and Oscar Wilde's letter, however, a true judge should look through the perfume from that angle.
|I fell myself in a crowded simplixity with De Profundis in a strange world like Crown of Love by Charles Hossein Zenderoudi
1972, oil on canvas
As the scent settles in core it unveils remote tinges of smoky woodsiness like a touch of incense and oriental spicy dimensions but very very soft like just wanting to make a layer to keep violet and chrysanthemum hefty and piercing. This tinge swifts ferny dewy beginning into more woody peppery floral aura with sour savory green dryness that smells amazingly natural but in fact is a great abstract painting. Underneath this layer a touch of indolic incognito flowers delivers kind of kinkiness and skankiness. What makes De Profundis rather a special case of curiosity is its unusual and apothecal ultramarine blue color of liquid which is quite unfit for a random perfume. I admire Serge Lutens' obsession with his creations about bottle, color, package, and last but not least aromas.
In a general scoop, De Profundis is a simple perfume with complex measurement like brevity of a whole love affair in a quadrant. But the result is threatened by rumors of stability and sillage. Sillage is not an excuse. I have first tried this perfume via spray samples and I join whoever thinks jar flacons are better specifically for this perfume. This is not a perfume for massive projection. But about longevity, though I personally have to issue with longevity, it plays quite enough on my skin for about 8 hours but so murmured and close to body. Rating De Profundis for public? I avoid, I found it very personal perfume and different from skin to skin. I found it very feminine, and my wife refused my theory and called it over-masculine. You definitely should try yours skin under the fragrance.
Carpe Odor!


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'South Wales victim is the main support service for victims of crime in South Wales. The service is run by Victim Support, who have over 40 years' experience of supporting victims, and commissioned by the South Wales Police and Crime Commissioner. We provide support for victims, witnesses and anyone indirectly affected by crime. It's a free and confidential service.
Victims can self-refer for the support on 0300 3030111 or can be referred by the Police or any agency they are engaged with to email@example.com '
© Copyright Mulligan Community 2019 - Mulligan Community C.I.C. Limited by Guarantee (9138176) started for Charitable Purposes. VAT No: 221 992604


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Cerami recently provided acoustical, audiovisual, IT and security design for the Core Club, a private, high-end club in Midtown Manhattan. The five-story building includes multiple restaurants, bars, and lounges, as well as a fitness center, arcade, Aqua Lounge, private dining room, and a screening room.
To remedy noise transmission from the club's kitchen to adjacent dining areas, our acoustic consultants worked with the architect to move the kitchen to the first floor. We made specifications for the building's HVAC system and our steps included adding a resiliently isolated drywall ceiling detail for the appropriate reverberation time to be achieved and the ceiling was mounted on spring hangers to mitigate vibration.
Our audiovisual consultants designed and specified a facility-wide high-end music and television distribution system with multiple displays. In addition, we designed the private dining room to have presentation capabilities and tabletop audio conferencing. The screening room was equipped with digital video/data projection, surround sound and a remote control system.
Our IT designs included developing voice, data and security networks, racks, hardware, pathways, cabling and cabling infrastructure throughout the entire club with controls located in the AV/IT technology room. Additionally, we detailed the wireless network system that services the club's computers, as well as surveillance cameras and video monitors, control systems and intrusion detection and alarm notification, necessary in a private club.


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Moritz Porges (1857 – 1909) was a Jewish Czech chess player.
In 1882, he tied for 4–7th in Vienna (Vincenz Hruby won).
In 1892, he shared 2nd with Gyula Makovetz, behind Siegbert Tarrasch, in Dresden (the 7th DSB Congress).
He tied for 16–17th at Nuremberg 1898 (Emanuel Lasker won).
In 1902, he took 3rd, behind Viktor Tietz and Dawid Janowski, in Carlsbad (Triangular).


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This is how God showed his love among us: he sent his one and only Son into the world that we might live through him. (1 John 4:9)
lead me into Your love today;
the love that preexists all time and events,
that centers in the person of Christ,
that brings life over death,
and that leads us into Your life.
You are God and no greater exists than You;
You are Lord and Your love surpasses all loves.
You are my Maker and my heart longs for You;
You are my end and my soul pursues You.
In the midst of today's joys and sorrows,
help me to remain in Your love,
help me to stay centered in You,
help me to love others like You,
and help me to glorify You.
Help me to bring Your name and love
into a confused and weary world.
[This is part of a series of prayers for Sunday worship preparation that begins here.]


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#Breckenridge #Silverthorne #Colorado
Summit Daily News Link
Breckenridge and Silverthorne town council meetings upcoming this week.
During their work session and meeting on Tuesday, the Breckenridge Town Council will discuss the new water plant project on the McCain property.
The council will do a first reading on an ordinance conveying town-owned property for the Broken Compass Brewing Company. The council will then discuss an ordinance on fees for restaurants and lounges, specifically relating to snack bars and delis. Council will vote on a resolution for an open space acquisition of land at Sawlog and Wonderful Lot 2.
During the work session the council will hear about a waste and recycling program from the High County Conservation Center. The work session will end in an executive session.
This Wednesday, the Silverthorne Town Council will swear in Kevin McDonald, who will fill Peggy Long's vacant seat. Now that the council is full, members will vote on who will replace Long as mayor pro tem for the town and review committee assignments. The council will then do a second reading for an appropriations ordinance as well as reviewing a conditional use permit for the Silverthorne Veterinary Hospital.
The council will also vote to adopt the master plan for North Pond Park. The council is looking at a petition to establish a public hearing date to annex the Colorado Department of Transportation Maintenance Facility.


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The CWS dress code is designed to support the education of all our students. We believe that an optimal learning environment is achieved when students are dressed in clothes that do not distract or detract from the mood of serious academic and artistic work and positive social relations. Furthermore, the Waldorf curriculum involves quite a bit of physical activity (both inside the classroom and out) that requires safe, sturdy clothing that provides optimal movement.
Lastly, we strive to provide a learning environment that supports a dress code which allows opportunity for our students to personally express themselves without the need to meet societal pressures.
The CWS Faculty must have the support of our parents to enforce the dress code successfully.
Please keep the following dress code guidelines in mind when school clothes shopping and dressing each morning.
Guidelines for Clothing & Footwear
Clothing & shoes must be well-fitted.
Students should be dressed for all kinds of weather with adequate layers of clothing.
Clothing should provide coverage from mid-sternum to mid-thigh (i.e. No low-cut tops, bare midriffs, sagging pants, short shorts, etc.) Shirts should cover the midriff even when arms are raised. Students should consider wearing shorts under skirts to allow for maximum, uninhibited, confident movement during classroom and outdoor activity.
Personal accessories and appearance such as jewelry, hats, nail polish, or hairstyles shall not distract or detract a student, teacher or classmates from serious learning. Makeup and unnatural hair color are not allowed. Threatening or anti-social words or images are not allowed.
Proper footwear must be worn at all times. Bare feet are not permitted. Footwear must be well-fitted, flat sole, shoes, boots or sandals. Weather-appropriate boots are required (i.e., rain boots and snow boots). Sandals must be sturdy for classroom and outdoor activities, and they must be fitted with a strap around the heel. The following types of footwear are not allowed: Clogs, platform shoes, platform boots, flip-flops or slip-on sandals (i.e., crocs).
Students need to wear clean shoes in their classrooms and around the building. Outdoor shoes such as winter or rain boots or other shoes worn outside for recess and outdoor class times must be kept in the student's cubbie. This will help keep our building clean.
Students participating in Games class must have a proper a pair of gym shoes with non-marking soles to wear inside the school gymnasium. These shoes may or may not be in addition to a student's "indoor shoes". Please see the guidelines of your student's class teacher and the Games teacher for their policy on gym shoes.
Students will get dirty!
Teachers have the responsibility and right to ask a student to change and/or remove clothing and/or accessories that distract or detract from serious and safe learning.
Additional Guidelines for Preschool and Kindergarten students
Clothing should be plain and simple with no media images.
Please provide a complete, labeled change of clothing, including socks and underwear, to be stored in the classroom.
Preschool and Kindergarten children are required to wear sun hats in the fall and spring. Hats must be in compliance with the CWS Dress Code. Please see the guidelines of each individual teacher for specific information on the Sunhat Policy.
Children wear non-skid slippers while in the Early Childhood classrooms (kindergarten and preschool). A pair of slippers will remain in the classroom and should be brought with the student on the first day of school. Slippers should be plain and simple-no media images allowed.


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Part of living in an advanced society is dealing with money. In many cases, it feels like new expenses are constantly being rained upon you. Regardless of how this happens it is possible to learn how to be more financially stable so that you're able to save money instead of spend it.
To be successful, you have to be good at managing money. Protect anything you make, and invest any capital you have to spare. Put some of the money you earn into more capital investments, and make sure to stay on top of the process to ensure that you continue to make money. Fixing a firm ratio between profit and reinvestment will help you keep a handle on your money.
When choosing a broker, you need to pick someone who is trustworthy. Never deal with a broker who is less than completely honest and forthcoming with you, and look for sterling references from other clients. Experience is good attribute to look for in a broker as well.
Avoid fees whenever possible when you invest. All investment brokers charge you to invest your money and choose investment options for you. These fees will take away from the money that you earn because they are paid before you get your earnings. It's important to research brokers before you use them. Find out what their fees are as well as any other costs associated with working with them.
To maintain control of your money, avoid incurring debt at all costs. While certain debts are unavoidable, like mortgages or college loans, toxic debts such as credit cards are best avoided at all costs. Loans and credit cards charge interest and fees; therefore, it is important to try not to borrow unless it is absolutely necessary.
If you desire a favorable credit score, use two, three or four credit cards. If you use one card, it could take longer to build your good credit score. Using four or more cards could indicated that you aren't efficient at managing your finances. Start with two cards and build your credit by adding new cards when needed.
After reading this guide, you will now have a better understanding when it comes to unexpected and miscellaneous expense. Don't worry if it is a long process to improve your finances. Just like when you diet, the results are not instant. Be consistent and responsible and your situation should improve.


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Monday, October 8, 2012
Celebrating 35 Years
Phil and I were serving with the U.S Air Force in England in 1976 when we met on Christmas eve at a party, I'd been invited by a Colonel and his wife to their home after the chapel's candlelight Christmas eve service. I'd met them on a ride they gave me to the other base, when I been on base for a week. Couldn't take the commuter bus since it was the last one and full. Oh dear. (Where we were, there were twin bases, RAF Woodbridge and RAF Bentwaters. They were separated by a forest. They have been closed since the mid 1980s, if I remember correctly.) But I waited at the gate and someone offered me a ride. Long story short...Phil was asked by a friend of his, who was also going to the Colonel's house afterwards, to come to join them. We got to talking, laughed over a cheese ball and then we started seeing each other. Both of us went to chapel on Sundays. We worked with the youth group, after the chaplain asked us to. Needed some young people to help them. That was another thing we did together, since both of us were Christians. So, in July 77 we were engaged and in 8 Oct 77 we were wed.
Grandma Becky
6 comments:
- aimee said...
Happy Anniversary to you both! Loved your wedding album:)The first photos reminded me of the Gunne Sax dresses I adored at that time (in fact, I believe my 'going away' dress was one).
Sorry about the loss of your friend Debra--always hard but, as you point out, you will be reunited someday in heaven.
May God bless and be with you both today and always,
- October 8, 2012 at 9:53 AM
- Karen said...
Lovely story, Becky and you were a sweet and lovely bride. Congratulations on your anniversary - a wonderful milestone in this day and age! So many happy memories and my wish for you is many, many more! Thanks for sharing your sweet story of how you met and married. xx
- October 8, 2012 at 1:27 PM
- Ruth said...
Happy Anniversary, Becky and Phil!!! What a precious story!!!! It's so fun to hear your story and how you met and the wonderful pictures!!! May the Lord bless you and Phil in every way! Hugs
- October 9, 2012 at 8:31 PM
- Cheesemakin' Mamma said...
Oh, I'm so glad I didn't miss this post. I loved reading about how you met and got married. Happy anniversary to you both! May you easily have 35 more years :)
- October 14, 2012 at 3:52 PM
- jaquelyn {the sweetest petunia} said...
aw, this is so special! congratulations on being married & experiencing life together for so long! :)
- October 31, 2012 at 12:32 PM
- Janet Coffield said...
- December 30, 2016 at 6:42 AM


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Heart of JOB FoundationHeart of JOB Foundation , Cannabis Events, Cannabis Education
About Heart of Job Foundation Heart of JOB Foundation is one of a kind organization that is dedicated to helping today's youth excel and grow through development, mentorship, music, dance and creative arts. They believe that by providing a full understanding of a variety of fields through community events, artist development programs, after-school education and […]
About Heart of Job Foundation
Heart of JOB Foundation is one of a kind organization that is dedicated to helping today's youth excel and grow through development, mentorship, music, dance and creative arts. They believe that by providing a full understanding of a variety of fields through community events, artist development programs, after-school education and educational events they can exclude today's youth from negative influences and irrelevant, misleading information, allowing them to better our children's lifestyle.
Heart of JOB Foundation has one goal in mind; to create an environment for our youth that helps them live an improved way of life, and they accomplish this through a variety of core beliefs;
- The team at Heart of JOB Foundation invest time and money to develop morals and values, something that builds integrity and is helping to shape the future of the next generation.
- Through a variety of educational programs, they show our youth how it's possible to live a healthy lifestyle while dealing with today's stressful environments.
- Providing our youth with the skill set to accomplish their goals from a personal and professional perspective.
What is Heart of JOB Foundation's Secret Sauce to Success
Through years of experience, the team at HOJF understand that in order to educate today's youth it is imperative to present and educate through innovative methods that are different from the cut-and-dry systematic methods that are used in most formal organizations.
Heart of JOB Foundation creates a hip, attractive and positive artistic culture that not only attracts today's youth but also enables them to grow and lead their generation through art. Furthermore, they work in close collaboration with non-profit organizations with mutual purposes to accomplish this task. Some of their partners include; The GimmeMo Foundation, Ánimo Inglewood Charter High School and Music Evolved.
Heart of Job Foundation and the Cannabis Industry
Heart of Job foundation understand the true benefits of cannabis and strive to educate people on how to properly use the plant for correct treatment. They believe that education should start at a young age so that today's youth can grow into a reality that is disconnected from capitalistic thoughts and motivation. Education that explains to our next generation how specific aspects of the plant can help with a variety of illnesses and work as a cure for specific conditions.
For this, they hold different events around the topic and have established a firm footing in the industry under the brand Cannabis Cures. By conducting awareness events that are known to attract a variety of celebrities from the field, their efforts are now globally known for educating patients and their whole audience on how to properly use cannabis from a medical perspective.
Final Thoughts About Heart of Job Foundation
Here at Marijuanabreak, we see Heart of Job Foundation as a pioneer in the cannabis-education niche and from what we can see they are bringing a positive aspect to the entire industry, transforming the traditional stoner stigma connected to the weed industry and taking it to a level that is entirely professional, medical and educational.
Their achievements through educational art, to help our youth and patients live a better lifestyle, has astonished both professionals and organizations in a variety of industries and we see the same thing happening within the cannabis industry.
If you want to learn more about how cannabis can help treat specific conditions or are looking for further information on the field, then Heart of Job Foundation is definitely the place to go.
Upcoming Events
Roll 4 Cure will be held on Jun 23rd and is a must for all those interested in Medical Cannabis. For further information, please view the event's description at Eventbrite
We look forward to seeing you there!
AdamGreat organization
The guys at heart of job foundation are exceptional. You can immediately see that they believe in what they do.
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February 27, 2010
Listed below are the final task force recommendations to meet critical, identified needs for a successful implementation of open access textbooks in Florida.
Recommendation (1): The OATTF recommends that the Florida Distance Learning Consortium in consultation with the Board of Governors and the Division of Florida Colleges periodically update the open access textbook inventory and annually update the prioritized list of general education courses recommended for the possible use of open access textbooks. This prioritized list of general education courses should also map available open access textbooks to a specific prioritized course number when that information becomes available. Any course number for which there is an identified open access textbook should also be included in the list which would be available on-line.
Recommendation (2): The OATTF supports the joint legislative budget request by the Division of Florida Colleges and the Board of Governors for equal support the repository software maintenance fee of $85,000.
Recommendation (3): The OATTF endorses the proposed plan for the review and approval of open access textbooks that has been developed and implemented through the Orange Grove Texts Plus initiative based on publisher practices.
Recommendation (4): The OATTF recommends that the Florida Distance Learning Consortium coordinate interested individuals or groups, with approval from the Board of Governors and the Division of Florida Colleges, that will investigate and identify funding sources to support a competition to develop open access materials for prioritized Florida courses. This recommendation is not to the exclusion of efforts to seek external support for textbook development and peer review.
Recommendation (5): The OATTF recommends that both the Division of Florida Colleges and the Board of Governors appoint appropriate academic representation to develop and recommend review criteria or guidelines for the inclusion of digital scholarship in tenure and promotion decisions. The Florida Distance Learning Consortium will research and identify similar policies or criteria currently in use or in development.
Recommendation (6): The OATTF recommends that the Florida Distance Learning Consortium develop professional development materials, a media kit and offer an awareness campaign on individual campuses that will raise awareness of and promote the use of open access textbooks and instructional materials. The focus should be to offer a wide selection of teaching resources for selection, modification and/or reuse, while still preserving the principle of academic freedom. Media kits should be sent to local student media sources.
Recommendation (7): The OATTF recommends that faculty be encouraged to contribute a textbook to an institutional or statewide foundation by providing a federal income tax charitable contribution credit. The value of the tax credit would be established by the University Press of Florida.
Recommendation (8): The OATTF recommends that institutional leadership be informed regarding barriers and incentives needed to encourage significant faculty adoption of open textbooks and asked to explore, enhance and report on successful institutional specific incentives that promote digital academic involvement. These incentives should integrate with existing institutional recognition systems to acknowledge digital scholarship.
Recommendation (9): The OATTF recommends that the Florida Distance Learning Consortium request nominations for a statewide committee that will recommend, develop, and establish a statewide recognition system that evaluates such criteria as: high quality contributions of open access textbooks and materials, increased student performance through the use of open access materials, increased student satisfaction, or the decrease in costs for student course materials. Faculty and staff recognized for this honor would be invited to participate in a wide range of roles.
Recommendation (10): The OATTF recommends the continued use of repository software to ensure system protection that makes the rights statement and terms of use clearly visible to the consumer.
Recommendation (11): The OATTF recommends that the Florida Distance Learning Consortium monitor and annually report on the adoption rate of open access textbooks, progress of the initiative, and satisfaction of faculty and students regarding their use of open access textbooks.