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The chamber has been instrumental to my business over the course of the last couple of years. As a busy small-business owner it takes me a while to "get to things". My membership in the McMinnville Chamber has proven to be one thing I wish I'd "gotten to" more quickly. They're close by with resources I wasn't expecting to find. Nathan & the team have had the answers I have needed–that is to say, they know a lot and they know who knows everything else.
Not only has the chamber & my membership been important to my business, driving traffic our way and giving us a forum to learn and disseminate information, it's also become really important to me personally, as I've begun to develop friendships that are important to me.
Nick Walton, Flag & Wire Coffee
McMinnville, Oregon is a tremendous place to live, work, and play. The McMinnville Area Chamber of Commerce is proud to represent hundreds of businesses that contribute to our thriving economy.
McMinnville, situated in the heart of the Yamhill Valley, represents the best of Oregon. If you're visiting us, welcome! No doubt you'll fall for our spirited wines, exceptional dining, and lush setting. There's plenty of recreation and after all that play, relax with a restful night's sleep.
Our agricultural roots still grow strong today. You can find the freshest, quality produce and locally-grown products at the Farmer's Market, local stores, and restaurants. Verdant vineyards, golden wheat fields, and other crops envelop our charming town and surrounding areas.
If you want to make your stay here permanent, you're not alone. The population more than doubled in the last two decades, currently at 33,930 – and still flourishes. McMinnville maintains its small-town friendliness and appeal with all the convenience and amenities of the city.
Located 50 miles from Pacific Ocean beaches, 35 miles from the metropolis of Portland, and 25 miles from the state capitol, Salem, McMinnville is convenient to wherever you need to go. And the Cascade Mountains are a scenic 2-3 hour drive – making a weekend getaway attainable.
McMinnville Area Chamber of Commerce welcomed many new members in the past year. The strength of our membership (average 400-500 members) is due to the cohesive, supportive group of business leaders who enrich the economic health of the area.
The Chamber of Commerce works closely with all different programs and associations. Make sure you also check out the MDA for a more focused view of our fantastic Historic Downtown.


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Located in Hudson, Michigan, the congregation of The Hudson Wesleyan Church seeks to make a difference in our community by being the kind of people God wants us to be. This means loving God, loving others, and finding ways to meet the needs, both spiritual and physical, of those around us.
Hudson is located at the intersection of M-34 (between Hillsdale and Adrian) and U.S.-127 (between Jackson and the Michigan state line). We are located on the eastern side of the city of Hudson. Turn north on Maple Grove Ave. and East on Hill St. to arrive at the church.
Our address is 229 Hill St. in Hudson, 49247.
The Hudson Wesleyan Church is a part of the Hudson Ministerial Association and participates in the Hudson Area Food Pantry and Emergency Assistance Program.
See our community page for more information.

subset: commoncrawl


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23rd – 24th October 2015
The Showcase
Cheltenham's season begins with a bang.
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The traffic and parking schemes have changed this season, please check for details to ensure a smooth journey to Cheltenham.Find out more
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Man denies trespass chargeSeptember 13,2013Local man denies
a trespass charge
A Castleton man with a burglary conviction denied breaking into his grandfathers home.
Christopher Dodge, 24, returned to Rutland jail after pleading innocent Thursday in Rutland criminal court to a felony charge of unlawful trespass.
Police said Dodge was found in the Castleton home of his grandfather in June. Affidavits state the grandfather had left the home and asked another grandson to watch the place because he feared Dodge would rob the place.
The grandson found Dodge in the house and called police, affidavits said. Dodge was on probation after serving one year in prison following a conviction for burglarizing a different Castleton home in 2011, records show.
Immediately after the June incident, Dodges probation officer ordered a drug test. Dodge tested positive for cocaine, heroin and marijuana and he was jailed, records state.MORE IN This Just In
The state's utility regulator is beginning work on the Legislature's demand that... Full Story
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Pie Bear Model
Krista SwartzModel Female Saint Helens, Oregon, US My MM URL: http://www.modelmayhem.com/krista
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WSJ: That's Tim Cook, in an interview with Daisuke Wakabayashi. Here's more:
You want to take the time to get it right. Our objective has never been to be first. It's to be the best. To do things really well, it takes time. You can see a lot of products that have been brought to market where the thinking isn't really deep and, as a consequence, these things don't do very well. We don't do very many things so we spend a lot of time on every detail and that part of Apple isn't changing. It's the way we've operated for years and it's the way we still operate. I feel great about what we've got coming. Really great and it's closer than it's ever been.
I don't want to be overly logical or cynical, but as time passes and as Apple works on new stuff, isn't it normal, natural, obvious that new stuff is closer than ever? It feels like Tim Cook revealed something exciting, but in reality he revealed nothing.
I do like Apple taking the time to get things right. I've seen too many companies rush too many crappy products to the market. People buy them because they are new and cheap but eventually they end up on Craigslist, eBay, or failing a quick sale there at the Salvation Army or in the trash. I'll patiently wait for what Apple has up its sleeve.
PS: Continue to take time to do things right Apple, but when you get it wrong hurry up and fix it. My iPhone and my iPad likes to reboot itself from time to time. Apple fixed the iPad by replacing it: fast, good. The iPad no longer self reboots; the Genius at the Apple Store told me it was a problem in the logic board. The iPhone? It doesn't self reboot enough for me to take it to the local Apple Store, but every reboot annoys a bit more each time and eventually I will be forced to visit the Genius Bar. Here's one big annoyance: "Touch ID requires your password when iPhone restarts. Enter the password for …"


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Naoko Terai
Naoko Terai (寺井尚子; born 1 May 1967) is a Japanese jazz violinist. Official site: http://www.t-naoko.com
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Rockfax DescriptionThe right arete of the Suicide Wall face gives a neglected pitch. Start just right of the crack taken by Sepulchrave and follow the arete throughout. Claimed earlier its the right-hand side at E2. © ROCKFAX
Hidden - 2nd O/S - 19/Oct/12
short but as in all things cratcliffe...sweet.dominic lee - Lead O/S - 09/Oct/10 with nathan lee


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BPL Community Profile
Jeffrey McConnell (Catalyst) - BPL Guest
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All Forum Posts by Jeffrey McConnell
Nice report
Nice report. Due to family circumstances I had to cancel a trip to Rae Lakes last minute that I had scheduled for September. It was fun to read about yours and see the pictures. What camera and len...
Re: Add'l Discount
"If you're a Clymb member already, you can use the code "FALLDEALS" to save an additional 20% on the jacket, bringing the price down to $180." Looks like I waited too lon...
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PM replied - interested.
WTB: RAB Infinity down jacket
I'm looking for a size medium.
Re: oh...
"oh, but I do line it with a plastic liner... just in a case a bear does play with it, hopefully the liner will keep his slobber out of my food :)" I'm curious Bill, what kind of p...
Re: Doesn't seem to work
I just tried it on a Marmot Helium on their page and it worked. Make sure you click on the Hit the Outlet link on the homepage or on the menu bar to the far right. It will only work on items ther...
Size medium anyone?
Re: Borah Gear give-away "NAME THAT TARP"
The Catalyst The Stormchaser
Re: West Coast List Add Request
Hey Brian, I added you to the spreadsheet. It's linked on the first post but you can see it here as well.
Re: Diana Nyad completes 110 mile swim from Cuba to Florida
Very impressive indeed. And good for her to keep trying after the failed attempts. A true example of determination.
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Vasque Breeze GTX
I bought theses shoes for a day hike of Mt. Whitney. They performed very well. Good traction on wet rock and scree. I also used them for a 5 day backpacking trip of Whitney through the back country...


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Employment Opportunity: Faculty Member in Psychology
Northwest Nazarene University
Northwest Nazarene University (NNU), a comprehensive Christian university with a rich liberal arts tradition, is located in Nampa, Idaho. NNU's location in the southwest part of the state allows easy access to local ski resorts, mountain hiking, and river rafting. The proximity to Boise, the state's capital, offers cultural amenities such as the Boise Philharmonic Orchestra, Boise Master Chorale, Opera Idaho, Ballet Idaho, Riverside Jazz Orchestra, and the Boise Art Museum. The University is accredited by the Northwest Commission on Colleges and Universities. NNU has been rated by U.S. News and World Report as one of the top master's level universities in the west. The University is sponsored by the Church of the Nazarene.
Department Statement
NNU's Department of Psychology, Sociology, and Criminal Justice has about 75 students with diverse interests and goals, and offers scientist/practitioner and interdisciplinary, pre-counseling majors. In addition, the department serves about one-third of the students on campus through general education and support courses each year. Students in the department regularly present research papers at state, regional, and national professional conferences. Upon graduation, some majors pursue doctoral degrees (in which they are very competitive), some go directly into the field of human services, while others enter graduate programs and/or professions not directly related to the discipline of psychology (e.g., business, law). The department's faculty members enjoy a high level of collegiality within the department, and with faculty and students from other departments across campus.
Description of Position
The Department of Psychology, Sociology, and Criminal Justice is seeking applications for a full-time, tenure-track, position to begin spring or fall semester 2015. This faculty member will teach a variety of undergraduate courses in general psychology and psychology research, and will advise majors. Modest ongoing research that involves students is expected. Northwest Nazarene University embraces diversity and therefore encourages all who are qualified to apply.
Minimum Qualifications
A Ph.D., PsyD, ABD is preferred in clinical psychology or other closely related field in psychology is required, a M.S. may be considered. Preference will be given candidates with the degree completed, demonstrated excellence in classroom teaching, and the ability to teach introductory and advanced research and statistical methods, social psychology, leadership and motivation, psychology of learning, and/or psychology of religion. The university requires that all candidates have a Christian perspective (preferably in the Wesleyan tradition), and must be comfortable with and in agreement with the mission and lifestyle values of NNU.
The salary will be determined by the educational background and experience of each applicant. Full-time faculty will be offered access to a benefits package including health, vision and dental insurance for employee and family, life and long-term disability insurance, flexible spending plan, tuition benefits for employee and dependents, opportunities for professional development, sabbatical experiences, and a retirement program.
Application Process
To be considered for this position, a complete application must be received, including the following:
- Letter of interest
- NNU Application Form
- Curriculum vita
- Responses to the NNU Christian Mission requirements
- Statement describing your philosophy of Christian higher education
- Statement describing your philosophy of teaching
- Two reference letters from professional associates
- Letter of reference from current pastor
- Transcripts (unofficial acceptable for the hiring process, official required upon hire)
Send, fax or email a complete application packet to:
Office of Human Resources
Northwest Nazarene University
623 S. University Boulevard
Nampa, ID 83686
Phone: (208) 467-8036
Fax: (208) 467-8587
Email: hr(at)nnu.edu
Employment at Northwest Nazarene University is contingent upon the results of an independent background check.
Posted Aug 21, 2014
Northwest Nazarene University is an Equal Opportunity Employer. As an educational institution operating under the auspices of the Church of the Nazarene, Northwest Nazarene University is permitted and reserves the right to prefer employees on the basis of religion (Title VII, Sections 702-703, United States Civil Rights Act of 1964, as amended).


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Former New England Patriots tight end Aaron Hernandez (81) scores a touchdown while Houston Texans linebacker Bradie James (53) fails to make the tackle during the first quarter at Gillette Stadium.
- Filed Under
The 2013 NFL season unofficially begins today, when Tampa Bay Buccaneers rookies become the first group of players to report for training camp. The Miami Dolphins and Dallas Cowboys will be the first to have their full squads report Saturday.
USA TODAY Sports NFL writer Tom Pelissero examines 13 questions for the 2013 season.1. Are the Patriots in trouble?
Not the legal kind, though that's part of the picture. Tom Brady didn't just lose Aaron Hernandez, cut shortly after being arrested on a murder charge, he'll also be without Wes Welker, who signed with the Denver Broncos. He might be without ...


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The Financial Times discovers mutual credit clearing
Journalist Edward Posnett, in an article that appears this weekend in the Financial Times magazine, describes the origins and operations of Sardex, a mutual credit clearing exchange that I visited last month and reported on here.
Posnett's article, The Sardex factor, is fairly well written and begins with the subtitle: When the financial crisis hit Sardinia, a group of local friends decided that the best way to help the island was to set up a currency from scratch. You can read the full article here.
While I consider Sardex to be among "the best of the breed" and a trade exchange model worth replicating, it is by no means unique. Posnett's article is well worth reading but I fault it on two counts, first for ignoring the scores of similar commercial trade exchanges that have been operating successfully around the world for the past several decades, and secondly for failing to emphasize the crucial importance of the value proposition that mutual credit clearing provides—the provision of liquidity to a local or domestic economy, independent of the banking system and without the disruptive and destabilizing imposition of interest.
There are several well run commercial trade exchanges but as I said in my interview at Sardex, most trade exchange operators are too complacent and satisfied with their modest levels of business success.
The 'special sauce" that seems to make Sardex stand out is the underlying values and social mission of the founders. Their primary purpose in launching their credit clearing exchange was to help improve the local economy of their home island. I hope that will continue to inspire their operations and development in the years to come.
They have tried to assist entrepreneurs in six or seven other regions of Italy to replicate their design and operations, but told me that the results have been disappointing. I'm speculating that it may be for lack of that "special sauce." If that's the case, then successful replication will require that they work selectively with social entrepreneurs who share the same values and mission of serving the common good.
That seems to be quite a rare breed right now, so these people will need to be nurtured through a process of selection and education–perhaps somewhat akin to what the Jesuits have historically done. The need is for people who have the right values, strong motivation, and technical competencies to create the new socio-economic paradigm.
The interview that I gave at the Sardex offices during my visit focuses on The Changing Picture in Complementary Currencies and can be viewed in the post below or on YouTube at https://youtu.be/epOebHTQpDI. The pictures that I took are in my online photo gallery at, https://picasaweb.google.com/112258124863172998784/201508SardiniaItaly?authuser=0&authkey=Gv1sRgCILAwtjOyOetvAE&feat=directlink.
# # #
The changing picture in complementary currencies
During my August visit to the Sardex trade exchange on the island of Sardinia, they recorded (on August 13, 2015) this short interview. In it I cover a few important points on the liquidity problem and how commercial trade exchanges help to solve it.
Newsletter — Summer 2015
Upcoming Ireland Events and My Remaining Tour Itinerary
My Activities in Greece, an abbreviated sketch
The Greek Crisis
The summer has gone pretty much according to the plan I laid out in my Spring Newsletter, with of course the inevitable addition of things that have popped up spontaneously. I'm sorry I've been too busy to report about all of it, even though I'm sure many of my readers would want to know. My main reason for writing now is to highlight the agenda for the remainder of my summer tour in case some of you happen to be in the neighborhood of Ireland, Scotland or England. I hadn't really planned to visit Italy but here I am—in Rome after visits to Tuscany and Sardinia (more on that below). I'm now in Ireland for the final events of my summer tour.
Here's what I'll be doing.
Ireland Events and My Remaining Tour Itinerary
25 to 27 August 2015. I'll be at Cloughjordan Ecovillage to participate in the P2P Summer School program on The Art of Commoning. Then on Friday, 28 August, I will give a lecture at Trinity College, Dublin, followed by a panel discussion. And on Saturday, 29 August, I will conduct a workshop at the same venue. Here are the details.
Friday August 28th 19:00 – 21:00
Talk: The Liberation of Money and Credit
Where: CONNECT (Formerly CTVR) Dunlop Oriel House, 34 Westland Row, Trinity College Dublin, Dublin.
On the evening of Friday August 28th, Thomas Greco will give a presentation on The Liberation of Money and Credit, outlining the fundamental importance of reclaiming the credit commons and showing how communities and businesses can reduce their dependence on bank borrowing and conventional, political forms of money. After the talk Thomas will join a panel with Michel Bauwens and Kevin Flanagan of the P2P Foundation, Dr Rachel O'Dwyer of Trinity College Dublin and Graham Barnes of Feasta for a Q&A session.
Saturday August 29th 10:00 – 16:00
Workshop: The Exchange Revolution: Taking Complementary Currencies and Moneyless Trading to a New Level
Where: CONNECT (Formerly CTVR) Dunlop Oriel House, 34 Westland Row, Trinity College Dublin, Dublin.
On Saturday, Thomas will run a workshop for currency activists, practitioners, researchers, and social entrepreneurs on The Exchange Revolution: Taking complementary currencies and moneyless trading to a new level, also at the CONNECT venue in Dublin. Anyone with a specific interest in developing and extending the impact of community currencies, mutual credit, and other complementary exchange mechanisms is invited to attend.
Both events are sponsored and hosted by CONNECT (formerly CTVR – http://www.ctvr.ie/), at their Dublin city centre venue and supported by Feasta, the Foundation for the Economics of Sustainability (http://www.feasta.org) and P2P Foundation Ireland.
Both Dublin events are free but people are asked to register at:
Tuesday, 1 September, at Queens College, Belfast
Evening Lecture, Communities, Currencies and the Commons: Democratising money creation & enterprise after the Euro-Greek crisis, with Thomas Greco at Queens College, (Senate Room) at 7.30pm (registration at 7.15pm) hosted by the School of Law partnered by Positive MoneyNI. The talk will be followed by panel discussion.
Coordinator – William Methven, firstname.lastname@example.com
From Belfast, I will travel to Edinburgh, Scotland for a few days of exploring, then to London. I'm scheduled to fly back to San Francisco on September 9.
My Activities in Greece, an abbreviated sketch
Altogether, I spent a little more than three weeks at the Kalikalos Holistic Summer School during the months of June and July. Kalikalos is located on the Mt. Pelion peninsula where the views are spectacular, the mountain villages delightful, and the nearby beaches inviting, all of which provides a good balance of work, play and living in community with people from diverse places. In this ever-changing community of students, workshop leaders, volunteers, facilitators-in-residence, and staff, everyone pitches in to prepare meals, clean up, and share their special gifts. The daily program routine leaves plenty of time for recreation and many people choose to go down the mountain to the beach in the afternoons (about a 20 minute ride) or to hike the ancient donkey trails that connect the villages. Healthy living is a fundamental aspect of the Kalikalos experience with plenty of opportunity for yoga, meditation, tai chi and whatever other modes of centering people care to share. Meals are vegetarian and based mainly on fresh whole foods and traditional Greek ingredients—local olives. olive oil, feta cheese, locally baked bread, tomatoes, cucumbers, and vegetables from Kalikalos' own gardens.
During my first week there I gave two presentations and conducted sessions in which we played two of my simulation games, Money Monopoly and Free Exchange. Then in July during the workshop on Solidarity Economy, I participated in most of the sessions and gave two presentations on the money problem and exchange altenatives.
While my work on exchange alternatives in Greece has been mostly with private groups and activists, I have developed proposals for creating domestic and community liquidity at all levels ranging from the bottom upward to include grassroots initiatives, business associations, municipal governments, and even the national government. I will be publishing specific details about these proposals in the near future. I am also continuing to work with colleagues in Volos on laying out the framework for a nationwide network of localized credit clearing exchanges.
During the last weekend in July I conducted a two day workshop in Athens for a sizable group of participants interested, or active in programs to create complementary liquidity. In the first session our discussions were based on my slide show on the Greek situation, and in the second, my presentation on the issues that need to be addressed in Taking Moneyless Exchange to Scale. That slide show is posted on my website at https://beyondmoney.files.wordpress.com/2015/07/workshop-athens.ppsx.
On Wednesday, July 29, I was interviewed on Porto Kali internet radio in Athens (in English with Greek translation). You can listen to it at http://wp.me/a43RA-Ge. _________________________________________________
The Greek Crisis
The Greek debt crisis has been all over the news lately so most everyone is aware of it, but most people are not aware of the underlying causes or what is being done to the Greek nation by the financial and political powers-that-be. Several of my recent posts at http://beyondmoney.net have dealt with that topic. In addition, there have been some very good recent articles that clearly explain it. These three are especially enlightening:
• GREECE'D: We Voted 'No' to slavery, but 'Yes' to our chains, by investigative reporter Greg Palast.
• The Rest of the Story About Greece: EU's economic demands seek to derail small business and local communities, paving the way for multinational corporate giants.
• Ellen Brown's fine article "Guerrilla Warfare Against a Hegemonic Power": The Challenge and Promise of Greece
And if you want to understand the larger agenda of which the Greek situation is indicative, be sure to listen to Ellen Brown's interview with Dr. Paul Craig Roberts, Greece-y Mess – 07.08.15, at http://itsourmoney.podbean.com/e/greece-y-mess-070815/
Last week I had occasion to visit the Italian island of Sardinia and spend a few hours meeting with the founders and managers of a commercial trade exchange called Sardex.
I've known about Sardex since almost its beginning five years ago and have corresponded over the past few years with Giuseppe Littera, one of its founders, but this was the first opportunity I've had to get an inside look at their operation. I came away with a better understanding of how they operate and the impression that the Sardex structures, procedures, and protocols come closer to optimal than any other trade exchange I've seen. It appears to be a developing model that can be both scalable and replicable.
You can read my brief but more complete report here, and. you can get a pretty good picture of the distinctive features of Sardex by viewing Giuseppe Littera's presentation (in English) that was made at a conference in Volos, Greece, in 2014. You can find it on YouTube at, https://youtu.be/rvaL2A8juz0.
All best wishes for a playful and enjoyable summer,
Sardex, an emerging model for credit clearing exchanges?
Last week I had occasion to visit the Italian island of Sardinia and spend a few hours meeting with the founders and managers of a commercial trade exchange called Sardex. Here below is an abbreviated report of what I learned. The pdf version of the report can be found here.
Sardex, a brief report
by Thomas H. Greco, Jr. August 15, 2015
I recently spent a few days on the Italian island of Sardinia conferring with the founders and administrators of Sardex (http://www.sardex.net/), a commercial credit clearing exchange that has been notable for its success in organizing small businesses and service providers on this island of about 1.6 million people.
I've known about Sardex since almost its beginning five years ago and have corresponded over the past few years with Giuseppe Littera, one of its founders, but this was the first opportunity I've had to get an inside look at their operation. I came away with a pretty good understanding of how they operate and the impression that the Sardex structures, procedures, and protocols come closer to optimal than any other trade exchange I've seen. It appears to be a developing model that is both scalable and replicable.
I will not attempt to provide here a comprehensive report or detailed analysis, rather I will highlight a few major points and provide some sources of additional information for those who are interested in doing their own research.
Some highlights:
Current membership: ~3,000
Current transaction turnover: ~1.5 million euro equivalent per month
Expected turnover for 2015: 50 million
Velocity of credit circulation: 12 times per year
Employees included as sub-accounts: 1,000
When I asked about the key factors that account for their success, here is some of what I was told:
1. Founders are dedicated to the mission to relocalize and rehumanize the economy and to reconnect people by enabling the creation of interest-free local liquidity based on the production capacity of local businesses.
2. Social solidarity and cultural cohesion, while very important and part of the mission, were NOT a pre-existing factor that would account for their early success. In fact, they have had to work hard to develop social solidarity and cooperation amongst their members, but this is now changing. One account broker told me, "I can see how behavior of many of our members has changed. When the financial crisis first began, they were starting to lay off employees or cut their wages, and they were reluctant to spend their euros. This made matters worse as the circulation of money slowed down. But as they began to participate in the process of earning and spending trade credits, they began to increase pay to their workers and to invest in their education. In one case, when a member's shop was burglarized, other members stepped up to help by donating some of their trade credits to help their fellow member recover from the loss."
That anecdote demonstrates the differences in behavior that results when people experience scarcity compared to when they experience abundance. In this case, the scarcity of euros caused behavior to change in the direction of reduced willingness to spend and the contraction of overall economic activity. But their experience with trade credit was much different. Realizing the greater availability of trade credits, and finding it easier to earn them, leads people to experience abundance and to be more generous and spend more liberally.
3. I was surprised to learn that the Sardex revenue model relies mainly upon initiation fees and annual membership fees (collected in euros); and that they had decided early-on to stop charging fees on transactions. For me, that approach is counter intuitive in that I have long held the view that recruitment would be most successful if membership were made easy, low cost, and risk free, and that it seems reasonable to apply the principle that users pay in proportion to the amount of services they receive. In this case, that principal would mean that those that receive more credit clearing services should pay more. Well, this may be a case where successful practice trumps rational theory. Marketing specialists should look closely at the dimensions of this phenomenon.
There is however some logic in this approach in that, since the cost of participation is relatively fixed, members should seek to maximize the benefits of their membership by trading more within the network. Initiation fees are set according to the size of the business and range from 150 to 1,000 euros. Annual membership fees are likewise based mainly on turnover and range from 350 to 2,500 euros.
4. Strong member support by an effective staff of brokers who help to arrange trades, especially for those that have high earning capacity to avoid excessive accumulation and high positive trade credit balances.
5. Recruitment strategy tries to replicate the supply chain, i.e., bring in businesses that are the suppliers of existing members or prospective members.
6. "Solidarity threshold." Requirement that members offer their goods and services for trade credit at the same prices as their euro prices, and that payment be accepted 100% in trade credit on all transactions of less than 1,000 euros. "Blended trades," i.e., payment in a combination of trade credits and euros are allowed on larger purchases, according to a sliding scale).
7. (a) Restrict membership to companies that have a registered office in Sardinia. This promotes social solidarity and excludes large multi-national corporations. (b) Avoid "saturation" (accepting too many members that offer the same line of products or services).
[While I am fully supportive of the former of these, and would indeed, permanently exclude multi-national companies, this latter practice of avoiding saturation I consider to be of use only in the initial stage of establishing credit clearing as a credible means of exchange and an effective source of local liquidity. Ultimately, I believe that membership must be open to any community-based small or medium enterprise (SME) that meets the basic qualifications for membership. Of course, not all of them will qualify for lines of credit.]
8. Fully compliant with reporting and tax regulations. Transparency is a matter of fundamental importance.
9. Emphasis on monetizing the unused capacity of members. Connecting unused supplies with unmet needs is a primary benefit of credit clearing services.
The Sardex company has been consulting with other groups to replicate their system in seven other regions around Italy. In the future, Sardex is planning to initiate a rebate program to bring consumers into the trading community, which will enhance the circulation of local trade credits, make Sardex better known, and stimulate more sales for their business members.
Here below is a list of a few of the many reports and sources of information about Sardex. Readers are invited to add others as comments.
From an idea to a scalable working model: merging economic benefits with social values in Sardex, by Giuseppe Littera, et al, at the London School of Economic, Inaugural WINIR Conference, 11-14 September 2014, Greenwich, London, UK. http://eprints.lse.ac.uk/59406/1/__lse.ac.uk_storage_LIBRARY_Secondary_libfile_shared_repository_Content_Dini%2C%20P_From%20idea%20to%20scalable%20model_Dini_From%20idea%20to%20scalable%20model_2014.pdf
You can get a pretty good picture of the distinctive features of Sardex by viewing Giuseppe Littera's presentation that was made (in English) at a conference in Volos, Greece, in 2014. It is to be found on YouTube at, https://youtu.be/rvaL2A8juz0
Report (in Italian) in the Italian daily newspaper, La Repubblica: Dalla Sardegna al resto d'Italia. Sardex inventa la moneta complementare. "Abbiamo ripensato l'economia." http://www.repubblica.it/next/2014/06/23/news/dalla_sardegna_al_resto_d_italia_sardex_inventa_la_moneta_complementare_abbiamo_ripensato_l_economia-89771112/?refresh_ce. [English translation needed.]
# # #
Varoufkis launches a powerful personal counter-indictment against his accusers.
Responding to charges of treason leveled against him by his "self-styled persecutors," former Greek Finance Minister, Yanis Varoufakis, on his personal blog, has laid down the gauntlet, accusing "Greece's oligarchic establishment" as being "troika-friendly."
In his post of July 28, Varoufakis defended his "defiant negotiating stance" saying:
My dastardly 'crime' was that, expressing the collective will of our government, I personified the sins of:
• Facing down the Eurogroup's leaders as an equal that has the right to say 'NO' and to present powerful analytical reasons for rebuffing the catastrophic illogicality of huge loans to an insolvent state in condition of self-defeating austerity
• Demonstrating that one can be a committed Europeanist, strive to keep one's nation in the Eurozone, and, at the very same time, reject Eurogroup policies which damage Europe, deconstruct the euro and, crucially, trap one's country in austerity-driven debt-bondage
• Planning for contingencies that leading Eurogroup colleagues, and high ranking troika officials, were threatening me with in face-to-face discussions
• Unveiling how previous Greek governments turned crucial government departments, such as the General Secretariat of Public Revenues and the Hellenic Statistical Office, into departments effectively controlled by the troika and reliably pressed into the service of undermining the elected government.
Varoufakis also claimed a moral victory, arguing that "The debate about the democratic deficit afflicting the Eurozone is now unstoppable."
# # #
British MP George Galloway exposes the culprits and their geopolitical "crimes against humanity"
Six times elected to the British Parliament, now running for Mayor of London, George Galloway, in this video interview lays the truth on the line, describing the "crimes against humanity" that continue to be perpetrated by financial capitalists and their top-level political minions all around the world.
Occupation of Greece begins
Like so many others, both inside and outside Greece, I was greatly disappointed at the outcome of the negotiations between the Greek government and the "institutions." At first, it looked like a sell-out, but on further reflection, I can see that given the circumstances, the government really had no choice.
More than 70 years ago, Greece was overrun in a Nazi blitzkrieg. This week it has been overrun by the combined powers of global financial capital and its eurozone "partners." The following is a comment (still awaiting moderation) I made today on the website of former Greek finance minister, Yannis Varoufakis.
I regret having been overly judgmental in my comment of July 14. I have no business telling the Greek government what they should have done, or must do in the future. It is Tsipras and the Syriza coalition who have the responsibility of representing the interests of the Greek people and preserving the Greek state. I can see that surrender (or "strategic retreat") in the face of overwhelming force may have been necessary, just as it was with the Nazi occupation of 70 years ago. Better to live to fight another day when conditions may be more favorable.
Now the battles must be fought on another level, the people need to do what they can to take care of themselves and each another. To do that, they first need to clearly identify their adversary and understand the kinds of weapons that are being used against them.
Bill Clinton's mentor, Prof. Carroll Quigley, in his 1966 book, Tragedy and Hope told us what the agenda is, who is in control of it, and how their plans are to be carried out. He wrote:
"The powers of financial capitalism had a far-reaching aim, nothing less than to create a world system of financial control in private hands able to dominate the political system of each country and the economy of the world as a whole. This system was to be controlled in a feudalist fashion by the central banks of the world acting in concert, by secret agreements arrived at in frequent private meetings and conferences.." Viewed in that light, the major political events of the past 40 years, including the Greek crisis, make perfect sense.
This anti-democracy cabal is able to achieve their aims by means of their control over the creation and allocation of money in virtually every country of the world. But money is simply our collective credit manifested as bank deposits or notes. We the people everywhere need to end our fixation on their politicized forms of money, and create our own exchange media (liquidity) by allocating credit directly amongst producers. This is the route back to freedom and democratic government.
# # #
Greek government surrenders; now it's up to the people to save themselves.
After almost six months of "negotiations," the Greek government has surrendered to the demands of the powers-that-be. In an interview that was conducted shortly after his resignation but prior to the deal just concluded between the Greek government and the European "institutions," former Greek Finance Minister, Yanis Varoufakis, indicated that the outcome was determined from the very beginning. Pointing to a "complete lack of any democratic scruples, on behalf of the supposed defenders of Europe's democracy," he said, "At some point it was put to me very unequivocally: 'This is a horse and either you get on it or it is dead.'"
Regarding contingency plans, Varoufakis commented that "if they dared shut our banks down," strong action would need to be taken "..but without crossing the point of no return." He said, "We should issue our own IOUs, or even at least announce that we're going to issue our own euro-denominated liquidity; we should haircut the Greek 2012 bonds that the ECB held, or announce we were going to do it; and we should take control of the Bank of Greece. This was the triptych, the three things, which I thought we should respond with if the ECB shut down our banks." But his recommendations were voted down by his colleagues.
Some further excerpts:
"Nothing shocks me these days – our Eurozone is a very inhospitable place for decent people. It wouldn't shock me either [for Prime Minister Tsipras] to stay on and accept a very bad deal. Because I can understand he feels he has an obligation to the people that support him, support us, not to let this country become a failed state.
But I'm not going to betray my own view, that I honed back in 2010, that this country must stop extending and pretending, we must stop taking on new loans pretending that we've solved the problem, when we haven't; when we have made our debt even less sustainable on condition of further austerity that even further shrinks the economy; and shifts the burden further onto the have-nots, creating a humanitarian crisis. It's something I'm not going to accept. I'm not going to be party to."
You can read the full interview here.
Greeks reject debt slavery
In today's referendum, the Greek people voted overwhelmingly to reject the bailout offer that was presented to them by the intransigent "troika" of the IMF, EC, and ECB. With more than half the votes counted nationwide, the NO votes led the YES votes by about 60% to 40%. This result also represents a vote of confidence for the Syriza coalition government and for Prime Minister Alexis Tsipras who, amidst scathing attacks by troika leaders, had urged Greeks to reject the offer.
German Finance Minister Wolfgang Schäuble is now calling for Greece to be expelled from the eurozone. That is not likely to happen any time soon, but if it did, Greece would be the better for it. So long as the Greek government continues to balance its budget it might well be able to issue a domestic currency without inflation. It might also encourage private measures to provide domestic liquidity. Private currencies spent into circulation by trusted issuers on the basis of goods and services that are in regular demand, and mutual credit clearing associations of businesses have historically been shown to be effective in providing exchange media and alleviating economic hardship, especially when official currencies are in short supply.
The Truth Behind the Greek Crisis
Sunday, July 05, 2015. Somewhere in Greece.
As we await the outcome of the referendum vote, the atmosphere here is one of calm expectancy. In my view, the Greek crisis is shaping up to be a major battle with the forces of banking and corporate power that are intent on imposing a neo-feudal New World Order, arrayed against those who are hoping to preserve some hope of social justice, economic equity, self-determination, and democratic government. It is a Goliath vs. David situation.
With mostly propaganda coming from the mainstream media, people's beliefs are shaped to conform to the picture that serves the Goliath agenda. Be not deceived. This article referred to below is very important and offers a deeper insight into the Greek situation.-t.h.g.
Behind the Greek Crisis
July 2, 2015
Exclusive: The usual narrative of the Greek economic tragedy is that the country is paying for its past profligacy, but there is deeper back story of political repression fueled by major powers intervening in Greece and contributing to a dysfunctional political system, recalls ex-U.S. diplomat William R. Polk.
By William R. Polk
Read it here: https://consortiumnews.com/2015/07/02/behind-the-greek-crisis/
And, here is another pertinent article, this enough to make one cry: How Europe Played Greece: "We would rather Deal with Corrupt but Obedient Leaders, than Honest ones with Ideas of Sovereignty" By Alex Andreou, Global Research, July 04, 2015
The right faces in the right places
There has been a lot of talk lately about placing the face of a notable American woman on one denomination or other of U.S. Federal Reserve note. I strongly support that effort and a number of worthy candidates have been suggested.
The big question is "Which of the present male images will be displaced?" Several people have proposed that Andrew Jackson get the axe. I have a strong opinion to the contrary, and a recent op-ed in the New York Times prompted me to express it in writing. Unfortunately, the Times chose to not publish my letter, so I offer it here below.–t.h.g.
To the editor, New York Times:
Steven Rattner's op-ed (NYT, June 20) proposed to "Leave Hamilton Alone" and "Evict Andrew Jackson." There are compelling reasons to argue the opposite.
Hamilton may well have been a "visionary genius" but his talents were applied largely in the service of anti-democratic and elite interests. He was an avowed monarchist and was "distrustful of ordinary people to rightly judge matters," siding with those who urged George Washington to declare himself king. According to Thomas Jefferson, "Hamilton was, indeed, a singular character. Of acute understanding, disinterested, honest, and honorable in all private transactions, amiable in society, and duly valuing virtue in private life, yet so bewitched and perverted by the British example, as to be under thorough conviction that corruption was essential to the government of a nation."
Many of the measures that Hamilton proposed, like those employed to encourage loyalty to, and establish and the credit of the federal government, were clearly important in making the fledgling United States better able to stand up to the European imperial powers. But his insistence on establishing a central bank, modeled after the Bank of England, was intended to establish aristocratic rule indirectly by financial means.
Andrew Jackson, on the other hand, despite his many faults, was a champion of "government by the people." He was devout in his commitment to safeguard the Republic from corrupters and usurpers. This is best exemplified in the so-called "bank war" which pitted him against Nicholas Biddle and the Second Bank of the United States. His 1832 veto of the bill to re-charter the Second Bank saved, for a time, the American republic from an insidious scheme to swindle the American people and to take power from the elected government and hand it over to a self-serving elite who were already entrenched in Europe.
In Jackson's Veto Message he declared his objections to the Bank which included its monopoly privilege that was to be granted "for many millions less than it is worth," its "gratuities to foreigners and to some of our own opulent citizens," and most of all, its establishment of a power that could rival that of the elected government and create "a bond of union among the banking establishments…, erecting them into an interest separate from that of the people."
While Jackson's monetary policies may not have been the best, the financial turmoil that followed the closing of the central bank can be blamed on the nefarious work of Biddle in restricting credit, and the period of "free banking" that ensued was actually of great importance in building the American economy. Even former Fed chairman Alan Greenspan has acknowledged that "The perception of the free banking era as an era of "wildcat" banking marked by financial instability and, in particular, by widespread significant losses to noteholders also turns out to be exaggerated."
Unfortunately, Jackson's victory was short-lived. The elite forces have, step-by-step, tightened their grip on power, arrogating to themselves, in the name free trade and national security, ever more power until democracy has become a mere charade. The present global interest-based, debt-money, central banking regime has corrupted the political process, drowned all nations and their peoples in ever-increasing debt, and all but completed the creation of a neo-feudal "new world order."
If for nothing else, Jackson should be honored for taking a stand for democratic government and warning the people of the deceptive schemes that have been, and continue to be employed to undermine and defeat it.
Thomas H. Greco, Jr., author, The End of Money and the Future of Civilization
TiSA, another secret treaty to obliterate democratic government
We the people continue to be disempowered as our governments cede ever more control to global banking and corporate elites. TiSA and the Trans-Pacific Partnership (TPP) are the latest and boldest moves in that direction.
The big questions are "How far will we the people allow this process to go before we rebel, what can be done to reverse the damage, and when will it be too late to restore democracy?" Here below is a summary of the situation in so far as TiSA is concerned. –t.h.g.
Wikileaks throws light on an ultra-secret treaty
Marco A. Gandásegui, Jr.* – ALAI
Panama and another fifty countries are engaged in the negotiation of a secret treaty that will put an end to what little is left of democracy and free trade at a world level. North American and European officials advise their counterparts. Everything indicates that this operation is being developed regardless of the laws of the countries involved. At present, the US Congress is legislating to create a juridical framework for the new body. In the case of Panama and the majority of the countries that are taking part in these negotiations, there is no information as to what is being legislated.
Wikileaks is revealing, through a world-wide journalistic network at their disposition, the content of these clandestine negotiations among some 50 governments to establish a neo-liberal planetary alliance, the Trade in Services Agreement (TiSA). The agreement on the interchange of services is not only being negotiated in the most absolute secrecy, but also intends to maintain its secrecy during the first five years of its operation.
The level of concealment of the TiSA – which covers telecommunications, electronic commerce and financial services, as well as insurance and transportation – is superior to that of the Trans Pacific Partnership Agreement between Washington and their Asian associates. Wikileaks revealed secret documents that expose the construction of a set of norms and rules designed to evade state regulations on the global market.
If the treaty is not to be known for years, the governments that implement it will not need to be accountable. According to well-informed sources, the fraudulent intention of these clandestine negotiations is obvious in view of its unashamed violation of the Vienna Convention on the Law of Treaties.
Up to now, the Latin American governments involved in the secret negotiations of TiSA include Panama, Chile, Colombia, Costa Rica, Mexico, Paraguay and Peru. The texts of the secret negotiation of TiSA divulged by Wikileaks show that what is involved is the elimination of all control over financial services. It was precisely the derivatives or CDS (credit default swaps) – nothing less than bets on possible bankruptcies – that generated the stock market bubble that exploded in 2007-2008 and put an end to the capitalist financial system as we have known it. The collapse obliged Washington to inject trillions of dollars from public funds into the biggest banks to avoid bankruptcies.
Wikileaks had access to internal notes on the negotiations with Israel and Turkey for their adhesion to the secret treaty, something that was denied to China and Uruguay when they requested them, probably due to a fear that they might have leaked the contents when they discovered what was involved. The list of Latin American governments taking part in TiSA is revealing. They are all faithful allies of the United States. The ALBA countries, as well as Brazil, Argentina and others in which Washington does not confide, are excluded.
The most incredible aspect of the TiSA is that total transparency will be demanded of countries that are not part of the secret treaty. The countries that are not part of the intimate circle, must reveal ahead of time and open to discussion all the regulations and rules that that they propose to apply, thus ensuring that the big corporations have time to counter, modify or prevent these sovereign decisions in accord with their interests.
TiSA will take into account all the demands of the financial industry of Wall Street and the City of London, as well as the interests of the big global corporations, for whom the treaty is not secret but a product of their own creation. According to the Professor of Law of the University of Aukland (New Zealand), Jane Kelsey, 'the great danger is that TiSA will prevent governments from strengthening the rules to control the financial sector".
Designed in close consultation with the capitalist financial sector on a global scale, the TiSA will oblige the signing governments to strengthen and widen the stock market deregulation and liberalization that sparked the crisis. In addition, governments will be deprived of the right to maintain and control financial data in their territories. Moreover, they will be obliged to accept toxic credit derivatives and be prevented from adopting measures to avoid other crises created by neo-liberalism. And all this will be imposed by secret agreements, so that public opinion will be unable to find out what are the true causes of the ruin of their countries.
(Translated by Jordan Bishop for ALAI).
*Marco A. Gandásegui, Jr., professor of Sociology, University of Panama and researcher associated with the Centro de Estudios Latinoamericanos Justo Arosemena (CELA). www.marcoagandasegui14.blogspot.com . www.salacela.net


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On Set With Dani Vitale, Mandy Jiroux, Dirk Mai For As U Wish & Lily White Photo Shoot (VIDEO)
I had such an awesome time modeling with fellow Buzzmaker Mandy Jiroux on set of the As U Wish, Lily White photo shoot with photographer Dirk Mai. I'm obsessed with all of the adorable outfits we got to wear and it was great being surrounded by friends working the shoot. Take a look at our behind the scenes video below.
Shop Lily White & As U Wish HERE!
For behind the scenes photos of the shoot check out Mandy Jiroux's gallery HERE!
Check back later this week for the full photos Dirk Mai captured.
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Lana Del Rey's Third Album Is Called 'Honeymoon' And Sounds More Like 'Born To Die' And 'Paradise'
Lana Del Rey isn't wasting any time between albums! Ultraviolence, the gloomy diva's extremely underrated sophomore LP, was only released six months ago but


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Neil Mason | October 31, 2013 | Comments
Average-based metrics to measure digital marketing effectiveness or understand consumer behavior simply aren't good enough. Columnist Neil Mason explains why you must segment or die!
I've noticed a lot of chatter in publications and whitepapers recently about something I think about a lot: segmentation. Take this recent paper by McKinsey, which looks at shifts in media industries, for example. It observed, among of other things, that "averages hide incredible diversity in consumer behavior, making micro- segmentation necessary."
I couldn't agree more. I've long hated the use of average-based metrics to measure digital marking effectiveness or to understand consumer behaviour. They're at best sub-optimal, but at worst they are completely misleading. Typical digital behaviour is too diverse and skewed in different directions to make such metrics useful.
Let's assume that I'm a digital marketing executive in an ecommerce business and I'm measured by the overall conversion ratio. Currently, this is 4.1 percent. I decide to run a significant acquisition campaign to attract new visitors to the site. Many dollars later, the conversion ratio dropped to 3.2 percent and I got fired.
How did that happen?
Let's look at this in a bit more detail by doing some basic segmentation. What we have are two groups of distinct visitors, those who are new to the site and those who been there before. Their behaviours are different and importantly, their propensities to buy are very different. First time visitors are far less likely to convert than repeat visitors and purely because of the change of mix in the traffic, it looked like I hadn't done a good job.
Now, this example is slightly exaggerated, but we need to understand that segmentation is absolutely key to understanding both performance and execution. As Forrester put it recently:
Effective targeting, personalization, and campaign management depends on associating interactions to individuals or segments.
So the question, then, is what to segment and how?
Classical marketing segmentations tend to have been built on data such as demographics, product usage, and channel usage derived from transactional systems. Alternatively, needs-based segmentation approaches would be based on attitudinal data, gathered via survey research.
All of these are available to the digital (or omni-channel) marketer, plus rich behavioural data by the bucket load. We've never had it so good! The challenge is managing and being able to exploit all that data and for that we need the old trio: people, process and technology.
All of the above comes from organizations taking a strategic approach to segmentation and micro-targeting. McKinsey called out five key imperatives for executives operating in the digital world today:
Clearly, average just isn't good enough. In business today, you absolutely must segment or die!
Title image courtesy of Shutterstock.
Pro Rank Tracker is a cutting-edge ranking tracking tool for keeping you up-to-date with all the latest changes in the rankings of your websites and videos.
Neil Mason is SVP, Customer Engagement at iJento. He is responsible for providing iJento clients with the most valuable customer insights and business benefits from iJento's digital and multichannel customer intelligence solutions.
Neil has been at the forefront of marketing analytics for over 25 years. Prior to joining iJento, Neil was Consultancy Director at Foviance, the UK's leading user experience and analytics consultancy, heading up the user experience design, research, and digital analytics practices. For the last 12 years Neil has worked predominantly in digital channels both as a marketer and as a consultant, combining a strong blend of commercial and technical understanding in the application of consumer insight to help major brands improve digital marketing performance. During this time he also served as a Director of the Web Analytics Association (DAA) for two years and currently serves as a Director Emeritus of the DAA. Neil is also a frequent speaker at conferences and events.
Neil's expertise ranges from advanced analytical techniques such as segmentation, predictive analytics, and modelling through to quantitative and qualitative customer research. Neil has a BA in Engineering from Cambridge University and an MBA and a postgraduate diploma in business and economic forecasting.
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Pharmacokinetic studies of Adlea showed that when it is locally administered to the site of pain, there appears to be limited systemic exposure. Its short duration of systemic exposure (hours) relative to the long duration of analgesia (weeks to months) resulting from a single treatment of Adlea is particularly important in this typically elderly and vulnerable patient population and may also potentially offer a safer treatment option in the management of chronic osteoarthritis pain. Importantly, the prolonged analgesic effect resulting from a single or stepped dose, localized administration of Adlea does not seem to be associated with the systemic side effects commonly associated with NSAIDs (gastrointestinal and renal toxicities, and impaired clotting), COX-2 inhibitors (cardiovascular risks and renal toxicity), or opiates (respiratory depression, nausea/vomiting, sedation, disorientation, physical dependence, and the risk of addiction). In clinical studies to date, Adlea has been shown to be well tolerated.
About Bunionectomy Surgeries
A bunionectomy is a surgical procedure to align the bones of the big toe joint thereby excising the bunion. A bunion is an enlargement of the joint at the base of the big toe caused by the misalignment of the big toe joint. It is usually a result of inflammation and irritation from poorly fitting (narrow and tight) shoes and is a condition that can be exacerbated by excessive standing or running. Bunionectomies are often performed as out-patient procedures enabling patients to go home the same day of their surgery.
About Anesiva and its Diverse Portfolio of Pain Products
Anesiva, Inc. is a late-stage biopharmaceutical company that seeks to
be the leader in the development and commercialization of novel therapeutic
treatments for pain. The company has one FDA-approved product, Zingo(TM)
(lidocaine hydrochloride monohydrate) powder intradermal in
|SOURCE Anesiva, Inc.
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Armored Scale Insects
- Gerard Meurant
No other book has attempted to present such a rounded picture of this important group. It covers all aspects: morphology, systematics, phylogeny, biology, ecology, natural enemies (pathogens, predators, parasites), pest status, control measures (quarantine, eradication, monitoring, chemical control, biological control, mechanical control, integrated control), as well as pest problems and control on specific crops, from a worldwide perspective.
The armored scale insects: their morphology, systematics and phylogeny; reproductive biology and genetics; development biology and physiology; ecology; and techiques for their study is handled in Volume A.
The book is intended for a broad audience: professional entomologists, extension specialists, pest control operators and advanced horticulturists and agriculturists, as well as biologists, naturalists and environmentalists (the latter should find the strong emphasis on natural enemies and biological control of interest).
Book information
- Published: May 1989
- Imprint: ELSEVIER
This book will appeal to all serious students of armoured scale insects, whether their specialities are taxonomy, ecology or control. The editor notes in his Preface that he aims to present an up to date, overall coverage of all aspects of armoured scale research. In my view, he and his contributors have succeeded admirably. I recommend this book highly, and look forward to forthcoming volumes in the series.
Journal of the Entomological Society of Southern Africa


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Beaumont/Port Arthur
It seems to me that come election time, people would give some thought to what impact electing one party or one person over the other would have on the things most important to them. Of course, family usually comes first, but tied to the family is that one earns a living to provide for the necessities of a family. I am constantly amazed at how easily people are distracted by collateral issues and seem to forget about voting for their own interests or selecting candidates with whom they have much in common.
Our cover story this week is a sad tale of greed and fraud perpetrated on mostly elderly victims by a slick group of tricksters who ought to be ashamed of themselves. If they aren't now, they likely soon will be as local, state and federal law enforcement officers catch up with them and put an end to their nefarious scheme and hold those responsible to account in a court of law.
Q. This morning, there were five cars in my apartment parking lot that had broken windows. Our apartment has no security gates. Is the apartment responsible for the costs of repairing the cars?
It never ceases to amaze me how creative international cyber crooks can be. There are countless online scams and schemes intended to enrich criminals at the cost of innocent Internet users. We have all heard of viruses, worms, Trojans and other variations of malware, as published warnings have been disseminated since the early days of personal computing.
A recent column in the Houston Chronicle by Lisa Falkenberg caught my attention. Her article centered around the pride felt and expressed by most of us Texans. She pointed out that unfortunately, in spite of our Texan bravado, Texas leads the nation in too many of the wrong things. Her article went on to point out we have been recently rated as the worst state in the union for delivery of health care.
While we harbor no disrespect for the Wall Street Journal who called us "that scrappy little paper from Southeast Texas," we prefer to think of ourselves as simple seekers of the truth. We're of the opinion that headlines and sound bites never tell the whole story. Our readers demand all the facts, facets and flavors of every story or event. And, they expect to be informed, educated and stirred to action.
For this week's New York Times crossword puzzle, pick up a copy of this week's The Examiner on newsstands now.


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Originally Posted by Michael R 1974
One "caution" I'd hold up at this point though, spending hours and lots of paper on a single image does not necessarily mean you are doing something wrong, particularly with a complex image. A casual reminder here (as I've harped on about before), nobody ever said making great prints was easy, no matter how much skill you have. Many times, you'll have to plain work your ass off, and there is nothing wrong with that.
Consider people like George Tice or John Sexton for example. Lots of paper in the trash before they are happy. And over time they might make pretty substantial changes when reprinting images they've printed years earlier.
I remember seeing an interview with W. Eugene Smith's son. His bedroom was above the darkroom and he would be kept awake by the sound of his dad weeping and screaming in frustration at 3 am.


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metal prints, child metal prints, girl metal prints, chicken metal prints, child feeding chicken metal prints, hen metal prints, girl feeding hen metal prints, feeding time metal prints, pink tutu metal prints, pink skirt metal prints, pink tutu skirt metal prints
"Feeding Time" metal print by Valerie Garner. Ships within 3 - 4 business days and arrives ready-to-hang with pre-attached hanging wire, mounting hooks, and nails. Multiple sizes available.
Front View
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Bring your artwork to life with the stylish lines and added depth of a metal print. Your image gets printed directly onto a sheet of 1/16" thick aluminum.
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All metal prints ship within 3 - 4 business days and arrive "ready to hang" with mounting hooks and nails.
Metal prints are extremely durable. They're lightweight. They won't bend, and they're water resistant.
The high gloss of the aluminum sheet complements the rich colors of any image to produce stunning results.
For additional product photos and information, visit our metal prints product page.
This cute toddler in a pink tutu in hand feeding her chicken through the fence, in this tender childhood moment.
My name is Valerie Garner and I create photographic/digital fine art prints. My camera is to me my brush and canvas, my art medium. I am mostly self-taught. I love learning new skills, so that�s always evolving and changing, and actually is a fairly good metaphor to the life journey we all travel on. I also love doing photo restoration projects, so feel free to contact me if you have images you are interested in getting restored. My style is eclectic in that my taste changes both with the life journey I�m on as well as the mood and what inspires me at any given point. I love nature, flowers, still life, capturing unique perspectives, the beautiful Pacific Northwest, retro, and people; especially the candid images that produce an...
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Luxury 4 Bedroom Villa, Tulum, Sian Ka'an Beach
From $4,400 / week
Payment Protection
Description from the owner
Description from the owner
Bedrooms: 4/
Bathrooms: 4/
Sleeps: 10/
Type: Villa
Casa de los Pelicanos is situated on the world's most beautiful beach in the Sian Ka'an Biosphere Reserve and truly has one of the most unique locations in the world. The property is located on a peninsula with a beautiful white sand beach where each step sinks to your ankles in the softest sand ever experienced just a few steps off the oceanfront deck. Explore the enchanting lagoon on the opposite side with an ancient Mayan "lighthouse" just offshore. Relax under our beach palapa or explore the waters of the Caribbean in one of our three kayaks. Read a book, play in the surf, snorkel, kayak, fish, scuba dive, explore ruins, visit cenotes, ...Read more
About the owner
About the owner
Alan Lambert
Alan Lambert
- Response rate: 95%
- Response time: Within a day
- Calendar updated: 5 weeks ago
Overall rating:
Additional Location Information
Located just 6 km south of the Tulum Hotel Zone on the beautiful white sand beaches of the world famous biosphere reserve, Sian Ka'an. Our beach is rated as one of the top ten beaches in the world by travel magazines! World class fly fishing in the lagoons and world class deep sea sport fishing on the Caribbean are right on our doorsteps; one in front and one behind! These same two bodies of water provide stunning sunrises and sunsets, both over water, making Casa de los Pelicanos a truly unique and special place. Located in the UNESCO World Heritage Site, Casa de los Pelicanos delivers beauty with the comforts of a five star resort, compliments of our state of the art eco-friendly electricity generation.
More About This Location
Beach or lakeside relaxation, Waterfront
Getting There
Car is recommended
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Dare to bare sexy shoulders in this spicy number. Plus size jumpsuit features a stretch off-the-shoulder style that leads to an all around overlay, a cinched stretch waist and is finished with a contrasting tropical print top and solid wide leg style pants. This will definitely be another enviable ensemble of the season.
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- Filed Under
Activists demand state cut BP mercury levels
INDIANAPOLIS - A handful of Indiana and Michigan residents concerned about Lake Michigan's water quality are calling on Indiana regulators to require BP PLC to cut its mercury discharges into the lake.
Four residents from northern Indiana and adjacent southwestern Michigan visited the Indiana Statehouse on Thursday to deliver a petition to Gov. Mike Pence's office signed by about 450 people calling for tougher mercury limits on BP's Whiting refinery. They were joined by two Indiana members of the Sierra Club.
The oil giant received Indiana's permission in 2011 to discharge mercury levels into the lake nearly 20 times the federal Great Lakes standard.
Racetrack fighting bill for overdue taxes
ANDERSON - The company that owns the Anderson Speedway in central Indiana is fighting county officials over a $125,000 bill for overdue property taxes.
The race track was listed as part of a Madison County tax sale until it was removed by a judge last month after Action Entertainment paid $25,000 of the outstanding bill.
Company president Rick Dawson tells The Herald Bulletin the track is behind on it property taxes, but that it is appealing the tax assessment and amount of penalties owed. Dawson says track's been successful the past couple of years after having business troubles during the recession.
AMR creditors approve reorganization plan
FORT WORTH, Texas - Creditors are approving the bankruptcy reorganization plan for the parent of American Airlines.
The OK gets American one step closer to emerging from bankruptcy protection in a planned merger with US Airways.
AMR Corp. said Thursday that at least 88 percent of ballots show approval. More than 99 percent of shareholders have approved the plan.
The bankruptcy plan still needs approval from a bankruptcy judge. A confirmation hearing is scheduled for Aug. 15 in New York.
? The Indiana Economic Development Corp. announced that Lafayette-based cyber security research company Emerging Threats was named one of Indiana's sixth annual "Companies to Watch."
The recognition, given to 33 companies from 14 counties, is presented by the IEDC, the Indiana Small Business Development Center network and the Edward Lowe Foundation.
The companies will be honored at an Aug. 22 ceremony at the Indiana Roof Ballroom in Indianapolis. For more information, call 888-472-3244.
- Staff and wire reports
Send items to firstname.lastname@example.com or
217 N. Sixth St., Lafayette, IN 47901.


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With tea party-backed first-termers calling the shots, House Republicans snatched political defeat from the jaws of victory in a year-end showdown over Social Security payroll tax cuts and jobless benefits.
This time, they pushed the country to the brink — and wound up blinking.
"In the end House Republicans felt like they were re-enacting the Alamo, with no reinforcements and our friends shooting at us," said veteran Republican Rep. Kevin Brady of Texas.
By spurning a deal that Senate Republicans had embraced, for a two-month extension of tax cuts for 160 million Americans and jobless benefits for millions more, the House wing of the party isolated itself politically and by some calculations improved President Barack Obama's re-election prospects.
Friday brought a humbling surrender, the only realistic alternative despite grumbling from scattered holdouts and Newt Gingrich, courting tea party support in the race for the presidential nomination.
By then, even allies said Republicans had become vulnerable to Mr. Obama's accusation that they, alone, were threatening a fragile economic recovery and the well-being of the employed and unemployed alike. "Right now, the bipartisan compromise that was reached on Saturday is the only viable way to prevent a tax hike on Jan. 1," Mr. Obama said Tuesday after the House rejected the two-month measure that had sailed through the Senate on a vote of 89-10.
The reliably conservative editorial page of the Wall Street Journal piled on, referring to a circular Republican firing squad. The GOP has "achieved the small miracle of letting Mr. Obama position himself as an election-year tax cutter. … This should be impossible," it wrote on Wednesday.
One poll said Mr. Obama ran ahead of Republicans when it came to handling taxes, an issue that has generally favored the GOP since Ronald Reagan sat in the White House three decades ago.
No less critical were Senate Republicans, fearing the impact on their own political prospects, both individually and as a group eager to gain a majority in the 2012 elections. A gain of four seats would give them control, and several close races are likely. Losses suddenly seemed possible instead. There was in even talk that the hardline stance by House Republicans was putting the GOP's big majority in that chamber in danger.
Most importantly, for the first time all year, Senate GOP leader Mitch McConnell wasn't in a position to help as House Speaker John A. Boehner sought to carry out the wishes of his rank and file, the Kentucky senator having voted for the bill that House Republicans insisted was a loser.
At its core, the dispute was a simple one.
Talks between the two parties in the Senate on a full-year extension faltered when negotiators could not agree on the cuts needed to make sure the measure did not increase deficits. The two-month stopgap bill was designed to keep the tax cuts and jobless benefits going until the negotiations could resume again after the first of the year.
To the tea party types, that smacked of government as usual, precisely what they came to Washington to change.
"We're as unified as we've been all year," said Rep. Louie Gohmert, R-Texas, on the night before the House Republicans rejected the Senate bill, demanded negotiations on a compromise and drove themselves into a political dead end.


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The continued worst drought in a generation is pushing food prices up and leaving scientists to conclude the world may be forced to go vegetarian by 2050. The drought kept U.S. Agriculture Secretary Tom Vilsack busy: The man in charge of America's forestry and fisheries admitted that the drought had him literally down on his knees, praying for rain. "If I had a rain prayer or a rain dance I could do, I would do it," he said.
The presidential election was one of the biggest news stories of the year. More » Top news: Election 2012
Here are the top 10 obsessions that, as ranked by their search volume and percentage spike compared with 2011 on Yahoo!. More » The year's top obsessions
One daredevil captivated the globe. More » Space: A record jump
A purple-hued squirrel was found in a Pennsylvania backyard and folks were flummoxed as to how it got its unusual colori … More » Animals: Purple squirrel
Since 2001, Yahoo! has dipped into billions of searches to uncover our … More » Decade of top searches
Inspiring and astounding moments from around the world. More » Video: Astounding moments
Lindsay Lohan, Octomom, and Hulk Hogan are just a few of the celebs who stuffed us full of their nonsense this year. More » Celebrity turkeys of 2012
From Disneyland to Dollywood, Yahoo! searches for travel spots are all over the map. More » Travel: Top tourism


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News and notes as the Capitals [23-21-8, 54 points] visit the Sabres [14-30-7, 35 points] at First Niagara Arena tonight in Buffalo [7:30 p.m., NBCSN]:
What it means: The Caps are three points out of a playoff spot in the East and are coming off a 5-0 win in Montreal that snapped a seven-game losing streak. The Sabres own the NHL's worst record but have beaten the Caps twice this season in shootouts, each by 2-1 scores. The Sabres have lost six of their last seven. The Caps have lost seven of their last eight.
Power points: Of Alex Ovechkin's team-leading 51 points this season, 24 have come on the power play. Of Nicklas Backstrom's 49 points, 27 are on the power play. And of Marcus Johansson's 32 points, 16 are on the man-advantage.
[RELATED: Chimera says Caps are still in it]
Jhonas brother: Since Ryan Miller has started four of the last five games for the Sabres, goaltender Jhonas Enroth will get the call. Enroth has not won a game since Oct. 25. He is 0-8-3 in his last 11 decisions.
Back-to-backs: The Sabres are 1-4-2 in the second end of back-to-back games this season.
Olympians: Enroth and defenseman Henrik Tallinder will join Nicklas Backstrom as members of the Swedish Olympic team. Ryan Miller will be teammates with John Carlson on the American squad.
So respectable: Since bottoming out at 7-23-3 on Dec. 14, the Sabres have gone 7-7-4.
Ovi watch: Alex Ovechkin is four points shy of passing Mike Gartner [789] for second on the Caps' all-tine points list.
Holtby on track: Braden Holtby stopped all 21 shots he faced in a 5-0 win in Montreal Saturday night, his ninth career shutout. Holtby now ranks fourth on Washington's all-time shutout list, trailing only Olie Kolzig [35], Jim Carey [14] and Don Beaupre [12].
I Carly: Caps defenseman John Carlson scored his ninth goal of the season against Montreal, tying his career high for most goals in a season. In the last two seasons, Carlson's 15 goals ranks third among NHL defenseman born in the U.S., trailing only Dustin Byfuglien [20] and Keith Yandle ([6].
No O in Buffal: The Sabres are last in the NHL with 91 goals. That's 24 fewer than the Calgary Flames, who rank 29th, and 51 fewer than the Caps, who rank 15th.
What's next: The Capitals will practice in Ohio on Wednesday, then visit the Columbus Blue Jackets on Thursday. They close out their road trip in Detroit on Friday night.


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There are no quick fixes to long-term energy challenges. To find solutions, governments and industry benefit from sharing resources and accelerating results. For this reason the IEA enables independent groups of experts - the Energy Technology Initiatives, or ETIs1.
Policy context
Current world electricity demand is 17 500 TWh. There is the potential to develop 20 000‑80 000 TWh of electricity generated by changes in ocean temperatures, salt content, movements of tides, currents, waves and swells. These technologies are proven. However, there are siting and environmental issues. Ports, coastal waters, and the open sea are divided into fishing permit areas and shipping routes. To capitalise on this energy source, international collaboration is necessary. Policies and measures to support deployment of ocean energy include financial support for continued research, financial and market incentives, and schemes to support development of industry supply chains.
The aims of the ETI focusing on ocean energies (OES) are to accelerate the viability, uptake and acceptance of ocean energy systems in an environmentally acceptable way. This includes unbiased, quality analysis of technologies to generate electricity from ocean movements (waves, swells, tides, currents), temperature differences or salt concentrations; as well as technologies related to desalination. There are currently 21 Contracting Parties, including China, Mexico, Nigeria, South Africa and Monaco.
Multiple types of learning are needed for ocean energy technologies: adaptation, or applying lessons learned from other technologies or industries to ocean energy; gathering experiences with technologies already deployed; and innovation spurred by ongoing research and development.
In order to take advantage of potentials and projects for electricity generation from the ocean, the OES has recently prepared worldwide inventories of resource endowments, and experiences with demonstration projects and innovative processes.
First, the group established global maps of ocean energy resources: wave, tidal, thermal, and salinity gradients. These maps, together with technology developments, cost reductions, synergies with other industries, markets, policies, and challenges for ocean energy have been synthesised in An International Vision for Ocean Energy. This vision includes a goal of installing 337 GW of capacity, creating 1.2 million jobs and reducing 1 billion tonnes of CO2 emissions by 2050.
Second, through the OES work on environmental issues, seven participating countries collaborated to create a searchable, publically available database of research and demonstration projects (Tethys).
The Tethys database collates results of environmental monitoring and research efforts on wave, tidal and current energy development worldwide. Developed through a partnership with the OES, Tethys drives an interactive map of ocean energy environmental monitoring and research projects, process status, key environmental issues, the status of environmental impact assessments, the name of the project developer, the technology type, scale of the project, total installed capacity and a description of the installation. A photo of the installation completes each case study.
These in situ data document the interactions among wave, tidal, and current devices, marine wildlife, and physical ocean systems. Taken together, the world resource maps and database of projects worldwide enable policy makers, investors, industry and ocean technology developers to more accurately gauge the potentials of ocean energy worldwide.
* Photo courtesy of Marine Current Turbines.
For more information: www.ocean-energy-systems.org
1.Information or material of the IEA Energy Technology Initiatives, or ETIs (formally organised under the auspices of an Implementing Agreement), including information or material published on this website, does not necessarily represent the views or policies of the IEA Secretariat or of the IEA's individual Member countries. The IEA does not make any representation or warranty (express or implied) in respect of such information (including as to its completeness, accuracy or non-infringement) and shall not be held liable for any use of, or reliance on, such information.


text: > View Product Details Please select the size of the product. Please enter valid quantity. Wyatt jungle green sateen pleated ruffle blouse overview details Retail: $119.00 Reduced: $11.97 $11.97 size size chart select size S - Wait list M - Wait list L in stock add to my bag Add to Wish list Successfully added to the Selected Wish List. color : Jungle Green Let your wild side emerge with this super sleek and seductive blouse from Wyatt. Color: Jungle Green Lightweight sateen woven Round neckline with spaghetti straps Ruffles and pleated details along pearlescent button placket Sleeveless Self-lined Contemporary fit 100% Polyester; Dry Clean; Imported; style#317146102


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Burberry London (new) Perfume
By Burberry for Women
Burberry London (new) Perfume by Burberry, This fantastic new fragrance combines the stylish yet contemporary spirit of burberry london . A blend of honeysuckle, jasmine, tangerine, patchouli, musk, rose, peony, sandalwood and tahitian flower. It symbolizes the international london lifestyle with freedom and tranquil poise. All products are original, authentic name brands. We do not sell knockoffs or imitations. ... Read More
- K De Krizia
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3.3 oz Eau De Parfum Spray (Tester)
Item #446754
Testers are even more discounted than the fancy boxed versions and are great if you don't have a need for the fancy packaging... Read more Testers are 100% authentic, fresh and completely full just like the original fragrance, however they are meant for the counter in a department store. Testers often come in a plain white box but sometimes they do not have a cap or box.The savings on the packaging means you save even more!
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$ 28.75Add To Cart
1 oz Eau De Parfum Spray
Item #424688
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3.3 oz Eau De Parfum Spray
Item #424687
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This product has 18 Out of Stock items |
0.06 oz Vial (sample)
Item #431133
0.17 oz Mini EDP
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1.7 oz Eau De Parfum Spray (unboxed)
Item #464285
1.7 oz Eau De Parfum Spray (Tester)
Item #481700
3.4 oz Eau De Parfum Spray (unboxed)
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3.3 oz Eau De Parfum Spray (Special Edition)
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1.7 oz Body Lotion
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5 oz Shower Gel
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5 oz Floral Body Lotion
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6.6 oz Body Cream
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6.6 oz Floral Body Cream
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Gift Set - 3.3 oz Eau De Parfum Spray + 3.3 oz Body Lotion + 3.3 oz Showerr Gel
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Gift Set - 3.3 oz Eau De Parfum Spray + 3.3 oz Body Lotion + 3.3 oz Showerr Gel + Bag
Item #456743
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About Burberry
History and background of Burberry. Burberry was founded in 1856 when 21 year old Thomas Burberry, a former apprentice to a country draper, opened an outfitters shop in Basingstoke, Hampshire, England. Business thrived and by 1870 Burberry became known as an 'emporium' with an increased focus on the development of outdoorwear for local residents and visiting sportsmen who frequented the store. Read more about Burberry
More Burberry fragrancesfor Women: Burberry Brit , Burberry , Burberry Body , Weekend , My Burberry , more
for Men: Burberry London (new) , Burberry Brit , Burberry Touch , Burberry , Burberry Brit Rhythm , more
See all Burberry products
Customer Comments
Good selection of items, web site easy to use. Fast delivery.
T. Miller (Clarkesville, GA)
REVIEW SNAPSHOT®by PowerReviews
- Great smell (139)
- Long-lasting (94)
- Clean & fresh (90)
- Great value (76)
- Draws compliments (74)
- Doesn't hold (23)
- Overpowering (19)
- Too expensive (10)
- Too weak (3)
Best Uses
- Daily use (110)
- Anytime (70)
- Evening (69)
- Special occasions (59)
- Signature fragrance (42)
- Reviewer Profile:
- Classic style (92), Natural style (60), Adventurous style (31), Natural (6), Trendy style (5)
- Fragrance Type:
- Floral (105), Fresh/aquatic (58), Citrus/fruity (46), Oriental/spicy (43), Powdery (31)
Most Liked Positive Review
Great deal for the money
I love this perfume but ran out of it. Since economic times are very tough for me right now I thought it wasn't really a neccesity to buy it again at this time. When...Read complete review
I love this perfume but ran out of it. Since economic times are very tough for me right now I thought it wasn't really a neccesity to buy it again at this time. When I was glancing at the prices, I noticed I could purchase this perfume in the trial bottle. It was so much cheaper, and when it arrived the cap was missing (big deal), but the bottle was twice the size of the previous bottle I had, for half the price. I am thrilled that I went ahead and purchased it, and being the bottle so large, I spray it all over me after my shower, and even just a touch up during the day. The smell is so clean and refreshing, and the compliments I get when I wear it make me feel so good to know that other's like it also.
Most Liked Negative Review
The most floral of the group
I use fragrance daily and prefer light, florals, fresh waters, and citrus scents. This is a nice departure from my usual. The amber notes are consistent among all Burberry scents. This has...Read complete review
I use fragrance daily and prefer light, florals, fresh waters, and citrus scents. This is a nice departure from my usual. The amber notes are consistent among all Burberry scents. This has a nice light floral top note to make it great for daily use, but sexy enough for evening.
I'll save it for going out since I'm the sporty, fresh kind and like lighter scents for daily use. Amber is a bit heavy for my daily use.
Reviewed by 209 customers
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Displaying reviews 1-5
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- Clean & Fresh
- Draws Compliments
- Great Smell
- Long-Lasting
- Sexy
Best Uses
- Anytime
Comments about Burberry London (new) By Burberry:
I love this perfume, great smell
- Clean & Fresh
- Long-Lasting
- Sensual
- Sexy
Best Uses
- Anytime
- Daily Use
Comments about Burberry London (new) By Burberry:
Want to confess your love for this fragrance:) brutal, masculine and charismatic!
- Fragrance Type:
- Citrus/Fruity, Fresh/Aquatic
- Great Smell
- Great Value
- Long-Lasting
Best Uses
- Anytime
- Daily Use
- Evening Use
- Special Occasions
Comments about Burberry London (new) By Burberry:
I love it
- Fresh and light
Best Uses
Comments about Burberry London (new) By Burberry:
Easy to wear. Not too strong.
- Fragrance Type:
- Floral, Fresh light
- Luv This Fragrance
Best Uses
- Great When Traveling
Comments about Burberry London (new) By Burberry:
Great for traveling, that's why I ordered it, one of my favorite fragrances and I didn't have to take my full size bottle, luv it
- Fragrance Type:
- Floral, Fresh/Aquatic
Displaying reviews 1-5
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