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Chemical Munitions Search & Assessment (CHEMSEA) project has performed studies on chemical weapon (CW) detection, sediment pollution and spreading as well as biological effects of chemical warfare agents (CWAs) dumped in the Baltic Sea. Results suggest that munitions containing CWAs are more scattered on the seafloor than suspected, and previously undocumented dumpsite was discovered in Gdansk Deep. Pollution of sediments with CWA degradation products was local and close to the detected objects; however the pollution range was larger than predicted with theoretical models. Bottom currents observed in the dumpsites were strong enough for sediment re-suspension, and contributed to the transport of polluted sediments. Diversity and density of the faunal communities were poor at the dumping sites in comparison to the reference area, although the direct effects of CWA on benthos organisms were difficult to determine due to hypoxic or even anoxic conditions near the bottom. Equally, the low oxygen might have affected the biological effects assessed in cod and caged blue mussels. Nonetheless, both species showed significantly elevated molecular and cellular level responses at contaminated sites compared to reference sites.
Take a closer look: Unexpectedly, a pair of enantiomeric ligands proved to have similar binding affinities for acetylcholinesterase. Further studies indicated that the enantiomers exhibit different thermodynamic profiles. Analyses of the noncovalent interactions in the protein-ligand complexes revealed that these differences are partly due to nonclassical hydrogen bonds between the ligands and aromatic side chains of the protein.
Little attention has been paid to how the light produced by the bacterium Vibrio fischeri in the Microtox assay is dependent on the concentration of essential ions such as sodium and potassium, and whether the concentrations of these ions affect the sensitivity of the test system to toxic chemicals. Five selected factors, pH, potassium (K(+)), calcium (Ca(2+)), bromide (Br(-)), and phenol (Phe), were simultaneously varied over a set of systematically planned experiments according to a D-optimal design that supported the estimation of a model with linear, quadratic, and two-factor interatcions of the studied factors. The bacterial light production represented by the gamma values in the Microtox assay for the 24 selected combinations of factors was measured at 5 and 15 min. The gamma values varied from negative to positive values greater than 1, indicating stimulation and inhibition of bacterial light production, respectively. The relationship between the gamma values and the factor settings was investigated with multiple linear regression. After 5 min of exposure, the light production was significantly affected by linear and quadratic terms for K(+), pH, and Phe and an interaction between pH and Phe. The situation was more complex after 15 min of exposure, since in addition significant interactions were found for K x Phe and Ca x pH. The tolerance of V. fischeri to Phe was enhanced by increasing the K and Ca concentrations. Data indicate that the ion composition and pH of the sample, as well as the diluents, need to be considered when the toxicity of salts, water samples, and extracts of sediments and soils are tested using commercially certified toxicity test kits.
Background: Rodent borne viruses of the Orthohantavirus genus cause hemorrhagic fever with renal syndrome among people in Eurasia, and hantavirus cardiopulmonary syndrome in the Americas. At present, there are no specific treatments or efficient vaccines against these diseases. Improved understanding of viral transcription and replication may instigate targeted treatment of Orthohantavirus infections. For this purpose, we investigated the kinetics and levels of viral RNA transcription during an ongoing infection in-vitro. Methods: Vero E6 cells were infected with Puumala Orthohantavirus (strain Kazan) before cells and supernatants were collected at different time points post infection for the detection of viral RNAs. A plasmid containing primer binding sites of the three Orthohantavirus segments small (S), medium (M) and large (L) was constructed and standard curves were generated to calculate the copy numbers of the individual transcripts in the collected samples. Results: Our results indicated a rapid increase in the copy number of viral RNAs after 9 h post infection. At peak days, 2-6 days after infection, the S- and M-segment transcripts became thousand and hundred-fold more abundant than the copy number of the L-segment RNA, respectively. The presence of viral RNA in the cell culture media was detected at later time-points. Conclusions: We have developed a method to follow RNA transcription in-vitro after synchronous infection of Vero cells. The obtained results may contribute to the understanding of the viral replication, and may have implications in the development of antiviral drugs targeting transcription or replication of negative stranded RNA viruses.
The aim of this case study project is to identify enablers and barriers for community and institutional synergies related to preparedness and control of tick-borne diseases. The report focuses on an emerging tick-borne encephalitis (TBE) infection in the Netherlands— where the two first endemic cases occurred in July 2016 — in the context of the widespread and increasing incidence of lyme borreliosis. Specifically, the study aims to: - identify good practices and patterns of cooperation between affected communities and the official institutions mandated to address tick-borne diseases such as TBE and lyme borreliosis; - identify inter-sectoral collaboration between health and non-health-related sectors with regard to tick-borne diseases, such as TBE; - identify model community engagement action for other EU countries.
Phthalates are widely used as plasticizers in a number of daily-life products. In this study, we investigated the influence of mono-(2-ethylhexyl) phthalate (MEHP), the active metabolite of the frequently used plasticizer di-(2-ethylhexyl) phthalate (DEHP), on gonadal steroidogenesis in vitro. MEHP (25–100 µM) stimulated basal steroid synthesis in a concentration-dependent manner in immortalized mouse Leydig tumor cells (MLTC-1). The stimulatory effect was also detected in KK-1 granulosa tumor cells. MEHP exposure did not influence cAMP or StAR protein levels and induced a gene expression profile of key steroidogenic proteins different from the one induced by human chorionic gonadotropin (hCG). Simultaneous treatment with MEHP and a p450scc inhibitor (aminoglutethimide) indicated that MEHP exerts its main stimulatory effect prior to pregnenolone formation. MEHP (10–100 µM) up-regulated hormone-sensitive lipase and 3-hydroxy-3-methylglutaryl coenzyme A reductase, suggesting that MEHP increases the amount of cholesterol available for steroidogenesis. Our data suggest that MEHP, besides its known inhibitory effect on hCG action, can directly stimulate gonadal steroidogenesis in both sexes through a cAMP- and StAR-independent mechanism. The anti-steroidogenic effect of DEHP has been proposed to cause developmental disorders such as hypospadias and cryptorchidism, whereas a stimulation of steroid synthesis may prematurely initiate the onset of puberty and theoretically affect the hypothalamic–pituitary–gonadal axis.
Within the broad context of EU Decision 1082/2013/EU on serious cross-border health threats, the European Centre for Disease Prevention and Control (ECDC) has initiated a case study project to investigate the synergies between communities affected by serious public health threats and the institutions (both health- and non-healthrelated) that are mandated to prepare for and respond to them. The premise for the project is that affected communities are increasingly being recognised as key resources that can be used during public health emergencies, and that the concerns, understanding and experience of ordinary people should be harnessed as an important part of the response. The aim of this case study project is to identify good practices related to community preparedness for tick-borne diseases. This report focuses on two cases of Crimean-Congo Haemorrhagic Fever (CCHF) that emerged in Spain in August– September 2016, the first autochthonous clinical cases of CCHF in south-western Europe. Specifically, the study aims: - to identify good practices and patterns of cooperation between affected communities and the official institutions mandated to address tick-borne diseases such as CCHF; - to identify inter-sectoral collaboration between health and non-health-related sectors with regard to tickborne diseases, such as CCHF; - to identify actions that could be taken by other EU countries.
BACKGROUND: EU Decision 1082/2013/EU on serious cross-border health threats provides a legal basis for collaboration between EU Member States, and between international and European level institutions on preparedness, prevention, and mitigation in the event of a public health emergency. The Decision provides a context for the present study, which aims to identify good practices and lessons learned in preparedness and response to Middle East Respiratory Syndrome (MERS) (in UK, Greece, and Spain) and poliomyelitis (in Poland and Cyprus).
METHODS: Based on a documentary review, followed by five week-long country visits involving a total of 61 interviews and group discussions with experts from both the health and non-health sectors, this qualitative case study has investigated six issues related to preparedness and response to MERS and poliomyelitis: national plans and overall preparedness capacity; training and exercises; risk communication; linking policy and implementation; interoperability between the health and non-health sectors; and cross-border collaboration.
RESULTS: Preparedness and response plans for MERS and poliomyelitis were in place in the participating countries, with a high level of technical expertise available to implement them. Nevertheless, formal evaluation of the responses to previous public health emergencies have sometimes been limited, so lessons learned may not be reflected in updated plans, thereby risking mistakes being repeated in future. The nature and extent of inter-sectoral collaboration varied according to the sectors involved, with those sectors that have traditionally had good collaboration (e.g. animal health and food safety), as well as those that have a financial incentive for controlling infectious diseases (e.g. agriculture, tourism, and air travel) seen as most likely to have integrated public health preparedness and response plans. Although the formal protocols for inter-sectoral collaboration were not always up to date, good personal relations were reported within the relevant professional networks, which could be brought into play in the event of a public health emergency. Cross-border collaboration was greatly facilitated if the neighbouring country was a fellow EU Member State.
CONCLUSIONS: Infectious disease outbreaks remain as an ongoing threat. Efforts are required to ensure that core public health capacities for the full range of preparedness and response activities are sustained.
Within the broad context of EU Decision 1082/2013/EU on serious cross-border threats to health, the European Centre for Disease Prevention and Control (ECDC) has initiated a case study project to investigate the synergies between communities affected by serious public health threats and the institutions (both health- and non-healthrelated) mandated to prepare for and respond to them. The premise for the project is that affected communities are increasingly recognised as key resources that can be used during public health emergencies, and that the concerns and experience of ordinary people should be harnessed as an important part of the response. The aim of this qualitative comparative case study project is to identify good practices related to community preparedness for tick-borne diseases. Two EU countries, Spain and the Netherlands, were selected for inclusion. Work in Spain focused around two cases of autochthonous infection with Crimean-Congo haemorrhagic fever (CCHF) virus that emerged in the Autonomous Community of Castilla y León in August 2016. Work in the Netherlands focussed on the first two endemic cases of tick-borne encephalitis (TBE) in the country, appearing in July 2016 in the Utrecht and Twente regions. The response to the TBE cases was undertaken within the wider context of prevention work on lyme borreliosis (LB) in the country. Specifically, the study aims to: - Identify good practices and patterns of cooperation between affected communities and the official institutions mandated to address tick-borne diseases; - Identify inter-sectoral collaboration between health and non-health-related sectors with regard to tick-borne diseases; - Identify practices that could be of use for other EU countries in the area of public health preparedness.
Background: All European Union (EU) and European Economic Area (EEA) Member States have pledged to ensure political commitment towards sustaining the region's poliomyelitis-free status and eliminating measles. However, there remain significant gaps between policy and practice in many countries. This article reports on an assessment conducted for the European Commission that aimed to support improvements in preparedness and response to poliomyelitis and measles in Europe.
Methods: A documentary review was complemented by qualitative interviews with professionals working in International and EU agencies, and in at-risk or recently affected EU/EEA Member States (six each for poliomyelitis and measles). Twenty-six interviews were conducted on poliomyelitis and 24 on measles; the data were subjected to thematic analysis. Preliminary findings were then discussed at a Consensus Workshop with 22 of the interviewees and eight other experts.
Results: Generic or disease-specific plans exist in the participating countries and cross-border communications during outbreaks were generally reported as satisfactory. However, surveillance systems are of uneven quality, and clinical expertise for the two diseases is limited by a lack of experience. Serious breaches of protocol have recently been reported from companies producing poliomyelitis vaccines, and vaccine coverage rates for both diseases were also sub-optimal. A set of suggested good practices to address these and other challenges is presented.
Conclusions: Poliomyelitis and measles should be brought fully onto the policy agendas of all EU/EEA Member States, and adequate resources provided to address them. Each country must abide by the relevant commitments that they have already made.
Introduction: Two species of Aedes (Ae.) mosquitoes (Ae. aegypti and Ae. albopictus) are primary vectors for emerging arboviruses that are a significant threat to public health and economic burden worldwide. Distribution of these vectors and the associated arboviruses, such as dengue virus, chikungunya virus, yellow fever virus, and Zika virus, was for a long time restricted by geographical, ecological, and biological factors. Presently, arbovirus emergence and dispersion are more rapid and geographically widespread, largely due to expansion of the range for these two mosquitoes that have exploited the global transportation network, land perturbation, and failure to contain the mosquito population coupled with enhanced vector competence. Ae. aegypti and Ae. albopictus may also sustain transmission between humans without having to depend on their natural reservoir forest cycles due to arthropod adaptation to urbanization. Currently, there is no single strategy that is adequate to control these vectors, especially when managing arbovirus outbreaks. Objective: This review aimed at presenting the characteristics and abilities of Ae. aegypti and Ae. albopictus, which can drive a global public health risk, and suggests strategies for prevention and control. Methods: This review presents the geographic range, reproduction and ecology, vector competence, genetic evolution, and biological and chemical control of these two mosquito species and how they have changed and developed over time combined with factors that may drive pandemics and mitigation measures. Conclusion: We suggest that more efforts should be geared toward the development of a concerted multidisciplinary approach.
Catastrophic chemical or radiological events can cause thousands of casualties. Such disasters require triage procedures to identify the development of health consequences requiring medical intervention. Our objective is to analyze recent advancements in biotechnology for triage in mass emergency situations. In addition to identifying persons "at risk" of developing health problems, these technologies can aid in securing the unaffected or "worried well". We also highlight the need for public/private partnerships to engage in some of the underpinning sciences, such as patho-physiological mechanisms of chemical and radiological hazards, and for the necessary investment in the development of rapid assessment tools through identification of biochemical, molecular, and genetic biomarkers to predict health effects. For chemical agents, biomarkers of neurotoxicity, lung damage, and clinical and epidemiological databases are needed to assess acute and chronic effects of exposures. For radiological exposures, development of rapid, sensitive biomarkers using advanced biotechnologies are needed to sort exposed persons at risk of life-threatening effects from persons with long-term risk or no risk. The final implementation of rapid and portable diagnostics tools suitable for emergency care providers to guide triage and medical countermeasures use will need public support, since commercial incentives are lacking.
The threat of terrorists using CBRN agents continues to pose a risk of mass casualties and severe disruption of societal functions in Europe. Standardisation of crisis management activities is one important step towards effective national and international interoperability and increased resilience. Understanding which CBRN agents are involved in an incident is vital for appropriate response measures. We applied a system's view on the process of CBRN sample analysis and see three discrete applications; Immediate incident response, Forensics, Post incident monitoring. Together with laboratory experts and policy makers from across Europe we identified needs for quality assurance measures in these three areas. Here, we suggest various harmonisation activities that can facilitate interoperability between all stakeholders concerned with CBRN sample analysis. Foremost, we recommend purpose-oriented laboratory networks, but also minimum performance requirements for First Responders' detection and sampling capabilities, best practices for sample transport and documentation.
CBRNEmap was a pre-study to the upcoming CBRNE technology demonstrator. Accordingly, considerable efforts were used to describe the feasibility and to sort out a number of basic requirements of the contemplated demonstrator object. This report deals with two areas deemed important when constructing a civilian CBRNE system of systems, its limitations and some suggested specifications: A useful CBRNE system of systems will improve and connect important societal functions vital before, during and after a CBRNE accident and/or attack. CBRNEmap identifies three clusters of activities as the most important when making our society resilient to CBRNE. These are, the cluster of activities making up the response function, the cluster of activities defining the function to protect identified targets and the cluster of societal investments enabling Europe to become more resilient. As examples and as a source of inspiration the three societal functions described above (response, protect and enabling) were used to discuss the CBRNE technology demonstrator. The demonstrator objects were populated by technologies and thereafter discussed with respect to choice of scenarios, choice of parameters to be used for its validation and with respect to its market value. Based on its conclusions, its working process and its interaction with external partners CBRNEmap recommends that:
The use of Integrated Project Teams will be given priority when evaluating the upcoming demonstrator objects.
The European Commission does everything possible to ensure that the results of previous "EU project" get integrated into the upcoming demonstrator object.
Appropriate limitations and projections are made to the CBRNE system of systems perspective, in order to produce a CBRNE demonstrator serving the societal functions responsible or operational active.
Considerable efforts are given to validating the improvements and/or added value of the demonstrator object.
The cluster of societal investment we refer to as the enabler is further investigated in a future SSA.
Francisella tularensis causes the zoonotic disease tularemia. Arthropod vectors are important transmission routes for the disease, although it is not known how Francisella survives the efficient arthropod immune response. Here, we used Drosophila melanogaster as a model host for Francisella infections and investigated whether the bacteria are resistant to insect humoral immune responses, in particular to the antimicrobial peptides (AMPs) secreted into the insect hemolymph. Moreover, we asked to which extent such resistance might depend on LPS structure and surface characteristics of the bacteria. We analyzed F. novicida mutant strains in genes, directly or indirectly involved in specific steps of LPS biosynthesis, for virulence in wildtype and Relish E20 immune deficient flies, and tested selected mutants for sensitivity to AMPs in vitro. We demonstrate that Francisella is sensitive to specific fly AMPs, i.e. Attacin, Cecropin, Drosocin and Drosomycin. Furthermore, six bacterial genes, kpsF, manB, lpxF, slt, tolA and pal, were found to be required for resistance to Relish-dependent immune responses, illustrating the importance of structural details of Francisella lipid A and Kdo core for interactions with AMPs. Interestingly, a more negative surface charge and lack of O-antigen did not render mutant bacteria more sensitive to cationic AMPs and attenuated virulence in flies.


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Cheerleader of the Week:
Jordan H.
We are honored to announce Jordan H. as this weeks Cheerleader of the Week. Jordan is a member of NorCo's Senior 2 and Senior 4 coed all star teams. Jordan is in the gym several days a week working to improve her tumbling skills. Every practice Jordan continues to impress our staff with her hard work and diligence. We know that her work ethic will continue to allow her to progress in her tumbling and be successful in her future career. Jordan, thank you for your hard work and positive attitude in the gym!

subset: commoncrawl


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We bet you're wondering what you're PR super power is. Go ahead, take the quiz to learn a little more about yourself and make sure to share your results at the end! *POW POW*
You bring the hype! You have the power to stay confident about your stories and think outside the box to build the biggest buzz possible. Not only do your stories get maximum coverage, you keep your readers interested.
You have the power to weave an eloquent story from intro to conclusion in a matter of minutes. You know how to turn any boring story into a whirlwind, must-read-it-now experience. You don't just sell the narrative, you help your brand soar past the competition'.
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You have the power of developing long-lasting relationships. A good PR pro knows how to discover the best contacts, reporters, and publications for their clients. You know who is covering what, when, where, and why. You make a new connection each day, but you know not to waste your time by talking to the wrong people. You are the ultimate influencer.


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A HISTORICAL day for Korean sport. A mixed pair in table tennis – a South Korean player and a North Korean player – won the gold medal, the first gold medal for united Korea after 27 years at the Korean Open held in Daejon. Continue reading
Monthly Archives: July 2018
Historic gold for United Korea: Players cried, the audience was on their feet
Mesut Özil walks away from Germany team citing 'racism and disrespect'
• Özil attacks DFB president Reinhard Grindel in statement
Filed under Athletes, Soccer / Football
Bach meets Putin at World Cup Final and claims Russian sport should be brought back into fold
By MICHAEL PAVITT
(July 15) – International Olympic Committee (IOC) President Thomas Bach has congratulated Russian President Vladimir Putin on the success of the FIFA World Cup and claimed it was time to bring "Russian sport fully back into the international sports community" following the Sochi 2014 doping scandal.
Ping-pong diplomacy on show again at ITTF Korea Open
By JAMES DIAMOND
(July 16) – North and South Korea are to join forces again and compete together at the International Table Tennis Federation (ITTF) Shinhan Korea Open. Continue reading
I've got some things to say
The Player's Tribune has published a series of first person life stories of footballers competing in the 2018 World Cup in Russia. One of the more compelling is that of ROMELU LUKAKU, the outstanding Belgian striker. Something he says struck a chord, reminiscent of the Canadian media's attitude towards world class sprinter Ben Johnson in the 1980s. When things were going well for him, we read articles calling him Ben Johnson, the Canadian champion. After he had been incriminated with steroids, they called him Ben Johnson, the immigrant from Jamaica.
Filed under Athletes, Soccer / Football
Fiat workers to strike over Juventus' $116 million Cristiano Ronaldo purchase?
It was recently confirmed that Portuguese football star Cristiano Ronaldo is leaving Real Madrid for Juventus ahead of the start of the next season, and while many Italian football fanatics are excited by his entry into the Serie A League, the move has sparked some condemnation. Continue reading
Filed under Soccer / Football, Uncategorized
Who is singing now?
(July 11, revised July 19) – The world has been saved from an England-France Brexit final at the 2018 World Cup, renditions of "Three Lions" and "Rule Britannia" in the stadiums, and the tsunami of British chauvinism unashamedly embraced by the Canadian media.
What goes around, comes around. The dodgy English threw their final match in the opening round with Belgium back on June 28 with the pretext of resting players and avoiding injuries for the Round of 16. "Sometimes, you have to make decisions with the bigger picture, and that's what I did tonight," rationalized head coach Gareth Southgate at the time – as if the decision was his and his alone. That "bigger picture" seems to have included getting a better draw in the knockout stage, that is, to avoid Brazil and therein build the size of the betting pool, the TV market, the revenues of the English Football Association, and a "hearts and minds" diversion from the Brexit crisis at home – giving a new definition to match fixing and a level playing field. Such are the elastic ethics of England. Continue reading
Filed under Soccer / Football


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Why HDFC Life Click 2 Protect 3D Plus plan is perfect for you? First, it promises financial protection to your loved ones at affordable rates. Second, it pays for the claim made on the manifestation of death, permanent disability, and diseases. Lastly, this plan offers you a discount on purchasing online.
HDFC Life Click 2 Protect 3D Plus is an extensive plan where 3D exemplifies death, disability, and diseases. It acts as a superhero at the time of complete permanent disability due to accidents, terminal illness, and critical illness arrives suddenly.
|All plan options excluding Life-Long Protection Option & 3D Life-Long Protection Option
|Life Long Protection Option & 3D Life-Long Protection Option
|Sum Insured (minimum)
|10 lakhs
|10 lakhs
|Age of Entry
|18 years to 65 years
|25 years to 65 years
|Term of Policy
|5 years to 40 years
|Entire life
|Maturity Age
|23 years to 75 years
|Entire life
|Premium Payment Mode
|Single Pay/ Regular Pay/ Limited pay- 5 years to 39 years
|Limited Pay= 65 years minus Entry age
|Premium Payment Frequency
|Single, Annual, Semi-Annual, Quarterly, Monthly
|Annual, Semi-Annual, Quarterly, Monthly
|Minimum Premium Per Years
|Rs 2,234
There are a total of nine plan options under HDFC Life Click 2 Protect 3D Plus-
A. Plans With LumpSum Payout Options
1. Life Option
In a death situation, a lump sum amount will be payable to the nominee of the policyholder and policy will end thereafter.
In accidental permanent disability situation, all future premium will be lessened to minimize the burden of the policyholder while the policy will remain active.
On detection of terminal illness with proper evidence, a lumpsum payment of sum insured is supplied to the policyholder.
2. Extra Life Option
On the event of death/terminal illness, a lumpsum amount is paid to the beneficiaries and the policy will dissolve after the payment.
If death is due to accident, the amount payable will be basic sum insured plus the sum insured under accidental death benefit opted as additional cover.
In case of complete permanent disability due to an accident, the policyholder will receive relaxation in future premium rates.
3. 3D Life Option
For death or terminal illness, a lumpsum amount will be payable to the nominee which will mark the end the policy tenure.
For Accidental Permanent Disability/ Diagnosis of Critical Illness, all the future premiums will be reduced and the policy will continue to work.
4. Life Long Protection Option
The term of premium payment is calculated on the age of entry i.e. 65 years - Age of Entry. The option is for whole life.
While the accidental permanent disability and death/terminal illness benefit would be same as all the options.
5. 3D Life Long Protection Option
It covers critical illness and accidental permanent disability benefits in which all the future premiums are reduced if any one of event happens.
Lumpsum payment is made under the circumstances of death/terminal illness.
6. Return of premium
Maturity benefits- all the premiums paid will be refunded if the policyholder sustains until the policy term period.
For Accidental Permanent Disability, all the premiums will be reduced for the future.
On the event of death/terminal illness, a lumpsum amount of sum insured is paid to the beneficiaries and the policy will cease to function.
B. Plans With Lumpsum Plus Monthly Payout Options
7. Income Option
For death or terminal illness, a lumpsum amount will be payable to the nominee which will mark the end the policy tenure.
In accidental permanent disability situation, all future premium will be lessened to minimize the burden of the policyholder while the policy will remain active.
The nominee after the demise of the policyholder will either get lumpsum amount or in the form of monthly increasing income of the sum insured.
If the sum insured is 60 lakhs and the yearly rate of increase in income is 10%. On death, the monthly income of the sum insured for 10 years would be Rs 50,000 (6 lakhs per year). The nominee will receive Rs 50,000 monthly for a tenure of 10 years which will increase by 10% in second, third and following years i.e. Rs 55,000(2nd year), Rs 60,000(3rd years), Rs 65,000(4th year), Rs 70,000(5th year), Rs 75,000(6th year), Rs 80,000(7th year), Rs 85,000(8th year), Rs 90,000(9th year), Rs 95,000(10th year).
8. Extra Life Income option
The nominee will receive death and terminal illness benefits through lumpsum payment of the sum insured.
Also, waiver of premium on the occasion of permanent disability due to an accident.
On accidental death, the extra sum insured purchased for the accidental death rider plus the basic sum insured is paid lumpsum. This benefit can also be paid through regular income of both the sum insured.
For example- If the basic sum insured is 1 crore and the extra sum insured is Rs 60 lakhs. The claim payable in the form of monthly income for 10 years constantly is Rs 1,00,000 (of basic sum insured) + Rs 50,000(of extra sum insured) = Rs 1,50,000.
9. Income Replacement option
Future Premium will be waived off for accidental permanent disability.
On death or terminal illness, the nominee will receive 12 equal installments of the increased income of the policyholder when the death occurred. Like if the actual income at the time of policy purchase is Rs 8.4 lakhs. The person died after five years of purchase and it was decided that the nominee will get 12 times of increased income per month in total 12 installments. The income is increased @10% on the basic income.
|Maximum Amount Provided
|50% of sum insured/ maximum of Rs 25 lakhs
|Childbirth (first child)
|25% of sum insured/ maximum of Rs 25 lakhs
|Childbirth (second child)
|25% of sum insured/ maximum of Rs 25 lakhs
Suicidal death are not given any coverage under this plan.
Exclusions for Extra life and Extra Income Options
Death happened due to-
Exclusions for 3D Life-Long Protection Option and 3D Life Option
Death happened due to-
1. Will the nominee get the coverage, if the death is due to suicide?
If death has occurred within 12 months starting from the inception date of the policy, the nominee is subjected to receive 80% of the premium paid.
2. What to do if we fail to submit the premiums on the due date?
The policyholder will get a grace period of 15 days for a policy with monthly premium payments. Whereas the 30 days will be given for yearly, quarterly, annually premium payment policies.If you fail to pay premiums even under this limit, then your policy will become elapsed.
3. What are the conditions under accidental permanent disability?
A person is declared as permanently disabled-
4. For how many years I can get coverage?
The coverage will depend on your requirements. The term can be 5 years to 40 years/50 years applicable to Life, Extra Life, Income and Extra Life Income option. While in the case of Life Long Protection and 3D Life Long Protection Option, the coverage will be for entire life.
5. What are the conditions under terminal illness?
The terminal illness must be examined by two specialized medical practitioners which are registered under the medical council of state or council for Indian medicine or homeopathy administered by the Indian government.
The practitioner must have proper knowledge in the treatment of the illness. The illness diagnosed must lead to death within 6 months after the diagnosis.
6. What are single pay, regular pay and limited pay mode of premium payment options?
For Life Long Protection Option, premium paying term would be 75 years less age of entry.
For 3D Life Long Protection Option, the term for premium is 65 years less age of entry.


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I recently received a question about ex-spouse Social Security benefits from a 60-year-old divorced woman who is now trying to plan ahead for her own retirement. She actually had several good questions about how ex-spouse benefits work that focused on some important points, so I decided to include them all here.
Social Security benefits based on your ex-spouse's record can be a positive boost to your income. And they apply equally to men and women, so if you think you may be eligible, it's definitely worth exploring. Here are seven key questions and answers to get you started.
1) Who qualifies for ex-spouse Social Security benefits?
Whether you qualify for an ex-spouse benefit depends on your age, the length of your marriage and your current marital status. In a nutshell:
--You must be at least 62 years old.
--You must have been married for a minimum of 10 years.
--If your ex hasn't yet filed for benefits but is eligible, you must have been divorced for two years.
--You must be currently unmarried.
--If you did remarry, that marriage must have ended.
--The benefit based on your own work record must be less than the spousal benefit from your ex.
--If you have more than one ex-spouse (with a minimum 10 year marriage), you can collect on either spouse's record, but not both.
If you meet these qualifications, that's step one. But it doesn't answer all the potential questions. Read on.
2) How do I find out what my ex-spouse's retirement benefit will be?
Other than asking your ex directly, you have no way of knowing how much his or her Social Security benefit will be. The Social Security Administration can't tell you anything in advance. So if you're not communicating, you 'll have to wait until you file to find out.
The good news is that your ex doesn't have to be involved for you to collect a spousal benefit. In fact, he or she doesn't even have to have filed for benefits. As long as your ex is 62, and therefore eligible for Social Security, you're also potentially eligible for a spousal benefit.
3) How much will I get?
Your own age plays a part in how much that benefit will be. Once you're at your full retirement age, you're entitled to 50 percent of your ex's full primary insurance amount, which is the benefit he or she would get at their FRA. So if your ex's PIA were estimated to be $1,600 and you were at full retirement age, you'd collect $800/month.
4) What happens if I have earned Social Security benefits on my own work record?
If you are eligible for retirement benefits on your own record and divorced spouse's benefits, Social Security will pay your retirement benefit first. If the benefit on your ex-spouse's record is higher, you will get an additional amount on your ex-spouse's record so that the combination of benefits equals that higher amount.
5) Can I take a spousal benefit and switch to my own benefit later?
With one exception, the option to file for a spousal or ex-spouse benefit only and switch to your own benefit later no longer exists. In general, when you file for any type of spousal benefit, the IRS considers that you are filing for both your own benefit and the spousal benefit at the same time. If the spousal benefit is more, you'll receive that greater amount.
The exception is for people who were born before January 2, 1954. If your birthday falls before that date and you're at your full retirement age, you can still choose to restrict your benefit to the ex-spouse benefit only and switch to your own benefit later -- letting your own benefit grow. If you're lucky enough to qualify for the exception, every year you wait to collect on your own work record, you'll earn delayed retirement credits of 8 percent until age 70. That is a hefty bonus.
6) What if I remarry?
The marriage rules are a double-edged sword of sorts. In general, if you remarry you no longer qualify for ex-spouse benefits unless that new marriage ends by death, divorce or annulment. On the other side, it doesn't matter whether or not your ex remarries. You're still eligible for ex-spouse benefits as long as you're single.
7) Do I still get survivors' benefits?
Yes -- with a couple of caveats. An ex-spouse is entitled to the same survivors' benefits as a widow or widower as long as the marriage lasted 10 years or more. Marital status can be a factor if you're under age 60. But if you remarry after age 60, you can collect survivors' benefits whether you're married or single. Plus, if you've survived more than one spouse, you can choose to collect on the one with the higher benefit -- and even switch between them if, for instance, a spouse with a lower benefit dies before a spouse with a higher benefit.
This can seem like a lot of details; if you still have questions, you could look for a financial adviser who specializes in Social Security issues. If you qualify for ex-spouse benefits, by all means take advantage of them.
Carrie Schwab-Pomerantz is a Certified Financial Planner. Her weekly column, "Ask Carrie," can be found at creators.com.


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You want CONSISTENT, RELIABLE and PREDICTABLE BUSINESS GROWTH?
We can get it for you!
Ditch the one size fits all marketing approach. There is a BETTER way!
We understand that your biggest challenge is totally unique to you and your business.
The key to success in any market is to deliver results that actually meet your clients' needs and expectations. The challenge is that most of their needs are unknown to businesses, which results in a 'guessing game'.
We take the guesswork out of marketing by ASKING your target audience what they really need. Through a series of surveys and quizzes based on the ASK Method, we will help you discover the needs of each of your clients or partners, and match your solution to their exact needs.
Fusion Results is a company that is certified (as an Associate) to deliver the Ask Method. We have been delivering digital marketing results since 1999 for B2C and B2B clients.
We take a totally different approach through our 5-step success formula:
- Discover
- Personalize
- Create
- Scale
- Measure
Share your business experiences with us and we will be able to take you through the 4 steps that will take your marketing strategy and business to the next level.
Are We Right for Your Business?
- Are you wanting a new approach to marketing?
- Do you want to create an email list of subscribers
- Do you want to create a following of loyal customers?
- Do you have a fantastic product you want to introduce to a target market?
- Are you trying to establish your target market?
- Do you want interaction between you and your clients?
- Are you interested in knowing what your clients need?
If you answered 'Yes' to any of the above questions, you need Fusion Results.
Will we Understand Your Business?
We want to know everything about your business, so we can understand and give you the best possible help. We know your business is unique, that is why we treat each business based on their individual needs.
The ASK Method is adaptable to any business. We pride ourselves on being able to help any business owner, whether they are just starting out or have been in the game for years.
We are able to use your existing client data, as well as expose you to new and simple ways of interacting and obtaining information from your clients. Making small changes to the way you use your website, social media and email, can make a massive difference. It is all about ASKING the RIGHT questions!
Glen Thomson with Ryan Levesque (Founder of the ASK Method Company)
Glen's keen understanding and implementation of the ASK Method as a certified ASK Method Professional is delivering real results for B2B and B2C companies. Get a free consultation to see how the ASK Method can boost your organization's results.


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I have had the privilege to learn a lot about the commercial roofing industry over the last few months. Here are the qualities I have found to be important in finding someone to repair or replace your commercial roof (especially when you are considering spending 6 figures on the project):
- Puts your interest first
- Will provide QUALITY service after the roof has been installed
- Wont cut corners to save a dollar, but will do the job right, 100%, the first time
- Works with the same crews on every project so they will provide a quality product
- Someone who is not necessarily the cheapest, but is cost effective
These are just a few things to consider. RCS Roofing and Sheet Metal is a contractor in the DFW area who represents multiple roofing companies such as Renown Roofing and Construction. They consistently provide sound roof work and below is a short video of an incredible roof transformation. This shows the process they go through to prepare the roof, start applying the new roofing system, and the detail of the completion. This roof went through an incredible transformation and the client got exactly what they were hoping for out of the project.
We enjoy show casing the companies that we have the privilege to work with on different projects. This is one of my favorite video productions that I have had the privilege to work on so far!
For questions on how drones can benefit your roofing business in Dallas Fort Worth, TX, whether you are interested in seeing how aerial photography and videography can help you market to prospective clients or how you can thoroughly inspect a roof, from the ground in half the time, then give us a call today! (214) 842-6000.


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It is so extremely sad as well as WRONG that Kelsie's family, along with so many other families need to serve a lawsuit in order to try to get justice for their loved one. When there is evidence of foul play there are so many organizations that the police can ask for help with the forensics, videos, all types of criminal evidence in order to have a solid case and make an arrest, and these organization help law enforcement for free…so what am I missing here? It is beyond me that the police do not utilize these organizations when a family is grieving for answers and justice. Leaving the only thing left in their power which is a civil lawsuit.
Kelsey's family posted today a copy of their revised lawsuit: https://drive.google.com/
Please click on this link to read the lawsuit. We ask for a prayer that the lawsuit leads to bringing Kelsie and Kadrie home and justice
And here is a link to the article by KOAA5 News:


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Kendriya Vidyalaya Vikas Puri established on Feb 1, 1988 and situated in Hastsal Village is one of the most prestigious institutions run by Kendriya Vidyalaya Sangathan, under the Ministry of Human Resource Development, Department of Education. It is playing vital role in the field of education. Running in two shifts with Science, Commerce and Humanities streams. Its lush green surroundings, beautiful children park with swings and rides, well equipped laboratories, excellent computer labs, one of the finest libraries housing more than 15000 books and luxury of the swimming pool give it an edge over the rest.
Basic Details of kendriya vidyalaya vikaspuri new delhi
Contact Details of kendriya vidyalaya vikaspuri new delhi


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Opioids are extremely addictive substances that are frequently obtained as a prescribed medication for the purpose of managing and treating pain. Organically, opioids are a derivative of the opium poppy plant.
Understanding Withdrawal from Opioids
The most common prescription opioids are OxyContin, Vicodin, Percocet, Percodan, and Avinza. Opium, morphine, codeine, and thebaine fall into a smaller category of opiates, which means that they are directly produced from the opium poppy.
Under medical supervision, opioids are intended to be used for analgesic (painkilling) purposes by blocking pain. Pain is blocked by interacting with specific receptors in the brain, spinal cord, and other areas of the body. By using opioids, the portion of the brain that controls emotions and automatic functions (breathing, for example) is affected. The transmission of pain signals to the brain is also impacted. Due to the extreme euphoric high that is generated with their use, opioids are often abused and taken recreationally. Dependence can result when a person abuses opioids and that can trigger intense cravings as well as strong physical and psychological side effects.
In both a medical and recreational setting, individuals taking opioids are at an increased risk for developing a tolerance to them. In other words, the individual will need to consume increasingly larger doses to experience the same euphoric high or painkilling effect. Due to the fact that opioids can create an intense euphoric feeling, can slow the user's breathing and pulse, abruptly stopping opioid use can have an extremely dangerous effect on the body that can lead to both psychological and physical distress.
When an opioid is consumed, the intense euphoric feeling is caused by dopamine rushing throughout the body. Dopamine is the hormone that is commonly associated with pleasure. Issues arise when the body becomes accustomed to these intense feelings and the individual finds it difficult (and sometimes impossible) to experience happiness without consuming more of the opioid. Experiencing an average level of euphoria without the assistance of opioids becomes impossible since the neurotransmitters that convey dopamine have become overstimulated. Ceasing use of opioids does not return these individuals to their baseline emotional states. Abrupt use can, instead, plummet users into a more difficult state both physically and psychologically.
The emotional and psychological side effects of opioid withdrawal can range from a disruption of daily life to incapacitation. The physical side effects of withdrawal from opioids are the direct result of the body becoming accustomed to the presence of the substance and then quickly reacting to their absence. Tolerance and dependence for the opioid will increase the longer it is consumed. However, it is not uncommon for an individual to become dependent within five days of beginning to abuse these substances.
Symptoms of Withdrawal from Opioids
The following are among the more common symptoms of opioid withdrawal:
- Anxiety
- Anger
- Depression
- Dizziness
- Extreme fatigue
- Agitation
- Hot flashes
- Cold sweats
- Insomnia
- Intense drug cravings
- Muscle pain
- Nausea
- Pupil dilation
- Watery eyes
- Runny nose
- Severe cramping
- Diarrhea
- Vomiting
Dangers Associated with Opioid Withdrawal
Due to painful withdrawal symptoms that can last for weeks, individuals often return back to opioid abuse. This return then opens the door to a multitude of physical and psychological issues. Individuals who abuse opioids have an increased risk of developing liver damage, kidney problems, seizures, cardiac arrest, coma, and respiratory distress. Recurrent diarrhea and vomiting are common side effects, which can cause malnutrition and dehydration as the body is depleted of nutrients. Other side effects include weakness, dizziness, and various cognitive distortions (which can cause additional potential accidents when individuals trip and fall). Because the physical and emotional pains are often overwhelmingly difficult for individuals to handle, many users attempt to self-medicate with non-opioids (alcohol, for example), which is equally as dangerous. Opioid abuse can also result in death if left untreated.
Due to the dangerous nature of withdrawal, the ideal way to rid an individual of opioids is under the supervised watch of a trained medical professional at a licensed center.


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On Monday 3rd and Tuesday 4th July 2017, Trafalgar school is very much looking forward to welcoming our Year 6 students due to join us in Year 7 in September 2017. Students will be arriving at 8.30 am and will have a packed schedule of exciting lessons for the two days, until 3.00pm when they depart each day. Students will need to bring a packed lunch with them and will be dressed in their current Junior School uniform.
I am sure the Year 6s are as excited as we are that they are spending the two days here, getting to know each other, the school and of course the staff and current students. We are sure that they will thoroughly enjoy the menu of subjects, innovative lessons and engaging tasks that have been scheduled for them. Good luck Year 6s – Trafalgar awaits you!


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- xercise 1: Fill in each numbered blank with one suitable word or phrase.
The United Nations Children's Fund, or UNICEF, was (1) _____ by the United Nations General Assembly on December 11, 1946, to provide emergency Food and (2) _____ to children in 'countries that had been devastated by World War II. In 1953, UNICEF became a permanent part of the United Nations System and its name was shortened from the (3) _____ United Nations International Children's Emergency Fund but it has continued to be known by the popular acronym based on this old name. (4) _____ in New York City, UNICEF provides long-term humanitarian and developmental assistance to' children and mother in developing countries. UNICEF is currently focused (5) _____ five primary priorities: Child Survival and Development, Basic Education and Gender Equality, including girl's education, Child protection from (6) _____, exploitation, and abuse, HIV/AIDS and children, and Policy advocacy and partnerships for children's rights. Related areas of UNICEF action include early childhood development, adolescence development and participation; life skills based education and child rights all over the world.
A (7) _____ funded agency, UNICEF relies on contributions from governments and private (8) _____. Its programs emphasize developing community-level services to promote the health and well-being of children. Recently, UNICEF has begun partnerships with world-class athletes and teams to promote the organization's work and to (9) _____ funds. UNICEF greeting cards are sold worldwide to support efforts on behalf of children creating a better world where children are happy, healthy and live in dignity. UNICEF selects suitable paintings for reproduction from contemporary artists. Total income to UNICEF for 2006 was $2,781,000,000.
UNICEF was (10) _____ the Nobel Peace Prize in 1965 and Prince of Asturias Award of Concord in 2006. UNICEF is present in 190 countries and territories around the world.
Câu 1:
- A. taken off
- B. set up
- C. paid on
- D. pushed back
Câu 2:
- A. instrument
- B. projects
- C. work
- D. healthcare
Câu 3:
- A. original
- B. ancestor
- C. old
- D. relatives
Câu 4:
- A. Managed
- B. Led
- C. Headquartered
- D. Committed
Câu 5:
- A. at
- B. with
- C. on
- D. in
Câu 6:
- A. violence
- B. fun
- C. excitement
- D. entertainment
Câu 7:
- A. volunteer
- B. volunteered
- C. voluntary
- D. voluntarily
Câu 8:
- A. persons
- B. patients
- C. donors
- D. victims
Câu 9:
- A. rise
- B. raise
- C. lift
- D. heighten
Câu 10:
- A. complimented
- B. awarded
- C. won
- D. taken
- Exercise 2: Read the passage carefully and choose the correct answer.
The World Health Organization (WHO) is a specialized agency of the United Nations that acts as a coordinating authority on international public health. Established on 7 April, 1948, and headquartered in Geneva, Switzerland, the agency inherited the mandate and resources of its predecessor, the Health Organization.
The WHO's constitution, states that its objective is "the attainment by all peoples of the highest possible level of health." Its major task is to combat diseases, especially key infectious diseases, and to promote the general health of the people of the world. The WHO also sponsors programs to prevent and treat serious epidemics such as SARS, malaria, and AIDS. The WHO supports the development and distribution of safe and effective vaccines, pharmaceutical diagnostics, and drugs. After over 2 decades of fighting smallpox, the WHO declared in 1980 that the disease had been eradicated – the first disease in history to be eliminated by human effort.
The WHO is nearing success in developing vaccines against malaria and aims to eradicate polio within the next few years. The organization has already endorsed the world's first official HIV/AIDS Tool kit for Zimbabwe making it an international standard. In addition to its work in eradicating disease, the WHO also carries out various health-related campaigns, for example, to boost the consumption of fruits and vegetables worldwide and to discourage tobacco use.
Experts met at the WHO headquarters in Geneva in February, 2007, and reported that their work on pandemic influenza vaccine development had achieved encouraging progress. More than 40 clinic trials have been completed or are ongoing. Most have focused on healthy adults. Some companies, after completing safety analyses in adults, have initiated clinical trials in the elderly and in children. All vaccines so far appear to be safe arid well-tolerated in all age groups tested.
Câu 11:
The World Health Organization (WHO) _______.
- A. works on international public health
- B. has no relation to the United Nations
- C. only takes care of Swiss people
- D. has no predecessor
Câu 12:
Which is not mentioned in the second paragraph 'as the tasks of the World Health Organization?
- A.to promote the general health of everyone in the world
- B. to support pharmaceutical diagnostics, and drugs
- C. To combat diseases
- D. To supply food for patients
Câu 13:
According to the text, which disease has been eradicated?
- A. Malaria
- D. Smallpox
Câu 14:
According to the third paragraph, the World Health Organization ______.
- A. has not developed vaccines against malaria yet
- B. is trying to eradicate polio
- C. is not concerned about polio
- D. also carries out various health-related campaigns
Câu 15:
Influenza vaccine _______.
- A. has only been used for adults
- B. cannot be used for children
- C. has appeared to be safe in all age groups tested
- D. causes bad effects on children and elderly people
Giải bài tập Tiếng Anh lớp 12 Câu hỏi trắc nghiệm tham khảo Unit 14: Reading – International Organizations


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I got a notification from my hubby today that the base "mascot", an Afghan dog named Cherry of indeterminate origin, had been ordered off base because of General Order #1.
It was very sad, and hubby was very sad about it, although he tried to put a good face on it. "It was," he said, "the rule and all."
Of course, we all know that the rules regarding "mascots" are not always followed to the letter. And just on my part of it, I have to say that Cherry was a source of amusement for hubby and many others; a tangible reminder of home and what would be waiting for them when they got there (we used to tease hubby that he was cheating on our dog Ike with Cherry). The mental soothing and general better health that having a pet can give people has been well documented scientifically.
I have to say that, for our guys (and for the record, I use "guys" as an indeterminate gender term) in a war zone, any opportunity to be mentally soothed and have some stress reduction should be grabbed by both hind legs and thanked profusely rather than being sent to an Afghan dog pound.
Apparently, there are now "Free Cherry" posters up all around the camp.
But that brings to mind yet another issue about being a military family -- the constant flux in leadership. Of all the things we have to deal with, I do think that this is the most stressful. What one commander demands and expects is often an anathema to another. And unless you've been active on the grapevine beforehand, you don't find out what is good and what is bad until you make those mistakes.
There are those who require absolute sticking to the letter of the law, and those who allow some deviation according to the spirit of it. And just as you get used to one leadership style, you dive headlong into another.
This stress hits me more than the stress in moving, because it requires constant readjustment of my behavior.
Ahh, yes, my behavior. I've been told that I remind people of Bette Middler (not sure whether to take that as a compliment or not, but I do tend to get huffy when it comes up). My behavior and attitude are rather difficult to adjust.
So, perhaps this is all a part of God's cosmic plan, to teach me how to be a social chameleon rather than a rigid stick in the mud.
On the whole, though, I have to say that I think things would be easier if I were Ruler of the Universe and could shoot lightening bolts out of my fingers at people who were being silly.
Also, I would free Cherry.


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MS Office Courses
With 15 years of experience, and being a Registered Member of the Microsoft Partner Program, we offer quality and relevant training solutions to our clients. In today's competitive work environment, it is of crucial importance to ensure that we are competent, when it comes to computer skills. Employers recognise that candidates skilled in this area will enhance performance and increase productivity, but they seldom have the time or necessary skills to train new staff.
Even high school graduates have no guarantee that they will be able to enter the marketplace with only their grade 12 certificate, as most advertised jobs require computer skills. For any candidate looking for that 'perfect' job, listing computer programs like MS Word, MS Excel and Outlook immediately moves your CV to the top. If our skilled trainers confirm these skills, this can accelerate the process. If you just need to brush up on your skills, or need a 'black belt' in any of the MS Office packages, we can help.
Methodology - The courses are comprehensive and are given on a practical "hands-on" basis. Each particular topic is discussed and explained in detail, then demonstrated by making use of a Multimedia presentation. Delegates participate orally during the course, and are required to complete exercises relevant to each topic. Exercises are checked and assessed by the Facilitator on completion of each exercise.
Material - A comprehensive training/reference manual is supplied to each delegate attending a course.
Certificates - Certificates of Completion or Attendance are issued to delegates who have completed a course.
Back-up support - Free telephonic support is offered to delegates who have attended a training course - limited to that specific course content.
Training course are presented at our venue in the WestRand, or at your workplace for groups of 6 or more delegates.
Introduction to PC's & Basics of Windows
Windows Operating System
Microsoft Outlook Basic/Intermediate
Microsoft Outlook Advanced
Microsoft Word Advanced
R 1,750 ex VAT per delegate
Excel Dynamic Formulas and Functions
Macros for Excel
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R 1,900 ex VAT per delegate
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R 3,500 ex VAT per delegate
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Microsoft Project Basic/Intermediate
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R 3,800 ex VAT per delegate
Visual Basic for Excel Basic/Intermediate
Microsoft PowerPoint Advanced
R 4,000 ex VAT per delegate


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Remember these days in the late nineties when the Internet was in its childhood, websites took a century to load, and the only way you could deliver top-flight customer service was either via a Hotmail email account or by phone? We have certainly come a long way in the past two decades, not only in customer service in general but also in the wider context of an all-encompassing Internet presence in particular. Live chat, for example, has moved smoothly from Yahoo chat rooms to millions of customer-centric websites where it is considered to be the premier runner among all major customer service channels. Here are three ways in which you can take advantage of the power and potential of instant messaging software to personally connect to your customer communities not only during the live chat session but for many years to come based on a sustainable relationship that you can and should develop with all your customers:
Customize Live Chat Experience. Each live chat interaction between your chat agents and your customers usually begins with a short chat-form. This form usually requires the customers first name and an email address. While the e-mail address is a valuable asset to your CRM arsenal inn that you can use the email address for deepened customer interest through a sign-in process, the first name gives your chat agents an excellent opportunity to personalize interactive live chat. Address your customers using their first name during the communication. You can also consider starting the conversation with a welcome message and a reference to the city from which the chat originated, provided this feature is active in your live utility.
Example: Hi Mike, this is Daniel from (your company name). How is the weather in Seattle?
This will put your site visitors calm down right now and set the stage for a truly productive dialogue. Your customer will realize that there is a real person on the other side of the magic window and not a prosaic computer simply responding automatically to their chat messages.
Send a thank you report. Use the email address that your chat visitors give you to send out a personal thank you message when the chat session ends. The message may contain:
A login link for a newsletter or a warning sign. A link from where your customers can retrieve a copy of the chat transcript for reference purposes. A Call to Action (CTA) with an offer.
Integrate Live Chat with your CRM. If you currently use CRM (Customer Relationship Management Application) like SugarCRM, Salesforce.com, RightNow or one of the products of the big guys like Siebel, PeopleSoft, SAP CRM or Microsoft Dynamic CRM, your live chat software company asks if they have an app that integrates their application with the CRM solution of your choice. One of the most important benefits of this integration is that it helps you further customize your chat communication by providing your live chat operators with phone records, chat posts, purchase history, and other information your CRM is configured to capture, classify and categorize.
Spread up your visit window. Your live chat agents can not only personalize the user experience through targeted communication, but can also connect to your customers through visual images. Encourage them to use smileys and expression symbols provided by your live chat service. The image of the agent or avatar can also add the personal touch to the whole experience.
According to a survey of consumer trends conducted by ATG Global, 90% of customers believe that live chat is beneficial for them to achieve a positive and personal user experience. Implement these personalization tips and you will notice a visible increase in the number of customers who will award you a remarkable customer rating the next time you go out to investigate them.


text: The Department of Conflict Analysis and Dispute Resolution (CADR) is a unique "program of distinction" that awards a Bachelor's of Arts and a Master of Arts in CADR. The department, in conjunction with the Center for Conflict Resolution, Inc. offers students a multidisciplinary, practical and applied approach to teaching and training. The CADR program balances core concepts in conflict models, theory and research, linking these to practical applications in the field of conflict analysis and dispute intervention.


text: This event is sold out. We are no longer taking names for a Wait List. Booze and Vinyl: A Listening Party with Cocktails Evening Program with Book Signing Monday, October 29, 2018 - 6:45 p.m. Code: 1B0276 Tickets Resize text remove add Siblings Andre Darlington and Tenaya Darlington are food writers, cocktail fans, and enthusiastic musicians who grew up flipping their parents' records on a Thorens turntable. Now they've teamed up to write Booze and Vinyl (Running Press), which showcases 70 iconic albums from the 1950s through 2000s, each matched with the perfect cocktails. Feeling mellow? Enjoy a smooth Hanky Panky cocktail to set the mood for Al Green's collection of greatest hits. Have energy to burn? Mix up a New Jersey Old Fashioned to enjoy while rocking out to the B side of Bruce Springsteen's "Born to Run." Join the Darlingtons at the Smithsonian Castle for a night of spinning records and stories of great albums, all while learning how to mix a couple of perfect cocktails. Booze and Vinyl is available for sale and signing. Smithsonian CastleThe Commons1000 Jefferson Dr SW


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INDIANAPOLIS (AP) — An Indiana Senate panel has advanced a House bill making the state schools chief an appointed position, despite a similar proposal's defeat in the Senate earlier this session.
Democratic members challenged the vote Monday, saying the bill should not have been considered. A rule stipulates 26 or more "no" votes means that similar language cannot be considered again during the session. The original legislation lost 23-26.
However Republican Senate Leader David Long says the changes made to the bill Monday are substantial enough to allow the proposal to advance. The amendment delays the legislation's effective date and adds requirements for the appointed schools chief.
The previous measure's unexpected defeat in the Senate had put a top session priority for Republican Gov. Eric Holcomb at risk. It now heads to the full Senate — again.


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Each year the AAS brings together a diverse group of clinicians and researchers who are interested in the autonomic nervous system. It offers a valuable opportunity to present new research ideas and share insights.
Due to the global impact of COVID-19, we have made the decision to hold the 31st Annual Meeting of the American Autonomic Society (#AAS2020) virtually. We look forward to you joining us November 6-7, 2020.
Abstract submissions now open! Click the Abstract Submissions button for more details.


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yippie cakes
I know what you're thinking: those are whoopie pies. But you'd be wrong. Here at the Cat Farm, we call 'em yippie cakes. Because that's how 2.0 likes it. And I accommodate this request. Mostly because he made up the name himself, and has called them yippie cakes since he was a kid. And I don't doubt the authenticity of the name. I don't question it. Not like 2.0. He questions my vocabulary all the time. 2.0 thinks I make up words. For example, 2.0 thinks I have invented the words: methodology, schlep, and druthers.
Last week, when 2.0 was working out of province, he called to tell me I had a typo in my classic cupcakes post. He was pretty sure foisted wasn't a word. And the week before, he told me I had misspelled dishevelled – that I must have meant dis-shovelled. Not that dis-shovelled is a word. And sometimes, when we're visiting Bill and Rosie Beaucoup, and they drop some crazy-ass vocabulary word into the middle of a story, he'll lean over and whisper, "that's not a real word."
And you might be thinking, how is it that you and 2.0 have managed to stay together this long, movita? You are worlds apart. And I will tell you that on our second date, I drooled on my pants. And 2.0 seemed just fine with that. So that's how we manage, people. We've struck a balance. We accept each other, drool and all.
So, here's the deal with these yippie cakes. The chocolate cookies are a-maze-ing. Soft and chocolatey. If pillows were made of cookies, I'd lay my head upon one of these. And here's the deal when it comes to the filling – it can be varied. If you can handle the sweet, if you fear not the sugar-shakes, you will add the marshmallow fluff. If you are a prissy baby, and can't handle a sweet, thick filling, you will omit the marshmallow fluff. And you'll probably go cryin' to your mother and tell her that I called you a prissy baby. (Cripes.) The decision is yours. I'm not going to foist these cookies on your dis-shovelled ass.
. . .
Yippie Cakes – inspired by Jackie Huskins and Charlene Freeman – print and bake yerself some yippie cakes
Yields approximately 16 yippie cakes.
For the cookies:
- 2 cups all-purpose flour
- 1 teaspoon baking soda
- 1 teaspoon baking powder
- 6 tablespoons cocoa
- 1 teaspoon salt
- 1 stick (1/2 cup) unsalted butter, room temperature
- 1 cup white sugar
- 2 egg yolks
- 1 cup milk
- 1 teaspoon vanilla
For the filling:
- 1/2 cup shortening
- 2 cups icing sugar
- 1 cup marshmallow fluff (optional)
- 1 teaspoon vanilla – use imitation clear if you want pure white filling
- pinch of salt
Preheat oven to 350°F (180°C). Line cookie sheets with parchment paper.
Begin by making the cookies: in a medium-sized bowl, whisk together the flour, baking soda, baking powder, cocoa and salt. Set aside.
Using a stand mixer and a large bowl, cream together the butter and sugar on medium speed until light and fluffy (about 3 minutes). If using a hand mixer, this may take just a couple of minutes more. Beat in the egg yolks, until well combined.
Combine the milk and vanilla in a bowl or glass measuring cup (I find using a glass measuring cup makes pouring easy and allows me to divide my additions evenly). Set aside.
Reduce mixer speed to low, and add in about 1/3 of the flour mixture. Mix until just combined. Add half of milk-vanilla mixture, mixing until combined. Then add half of the remaining flour mixture, and then the remainder of milk mixture, mixing well after each addition. Finally, add the last of the flour mixture, mixing until smooth.
Use an ice cream scoop (mine holds about 1.5 tablespoons) to drop dough onto prepared baking sheets, leaving about 2 inches between each mound.
Bake for about 12 minutes, until slightly firm (they should spring back to the touch). Let cool completely on racks.
To make the filling: mix the shortening, icing sugar, marshmallow fluff, vanilla and salt together in a stand mixer on low speed until combined and smooth (about 3 minutes). The filling will be very, very thick. If you would like a less sweet, less thick filling, omit the marshmallow fluff.
To assemble the Yippie Cakes: if you have included the marshmallow fluff in your filling, roll 1-2 tablespoons full in the palms of your hands, creating a ball. Then press the ball evenly with your fingers, creating a flat disk which is the same diameter as your cookie. Lay the filling onto the flat side of one cookie and then top with a second cookie (flat sides in). If you have omitted the marshmallow fluff, spread 1-2 tablespoons full of filling onto the flat side of one cookie and then top with a second cookie (flat sides in). You could also pipe the filling onto the cookies – if you're fancy like.
28 Comments
Movita, those Yippee Cakes look delicious. I laughed out loud when I read the words that 2.0 thinks you made up.
One thing I feel an impulse to point out…the word "disheveled" only have ONE "l" in it. (sorry, I've always been a typo police)
Actually, my little typo police officer, disheveled/dishevelled can be spelled with one "l" or two. Maybe one is the US spelling, and the other British? I only know this because I looked it up after spell check accepted both versions of the word! Thanks for being my editor – keep up the good work, and let me know if you ever find anything else! Because usually, I'm really, really wrong…
Okay, I meant to write "only HAS one…." There I go—correcting your typo and then making a mistake myself! Oy vay!
Ba hah! This made me laugh!
Also, it's possible that we're related as we share the same last name. I guess that makes you an honorary Beaucoup!!
Gorgeous pictures! The first and fourth are my faves. So pretty! When we were in university, we would get whoopie pies from The Goody Shop. I think I need to make some now. YUM. 🙂
Those are my favourites too. This is most likely because we are camera twins. My university had a Tim Hortons. No whoopie pies. Just glazed donuts. Your university sounds way better.
Pillows SHOULD be made of cookies! I never realized how rubbish my pillows were until now. I've been a fool all these years Movita, a fool I tell you. Please rustle up a pillow sized yippee for me, if you like you can make one for your room too.
I'm on it. Do you think it will get crushed in the mail?
I love it. I get accused of making up words all the time. But I kinda do so I can't really argue about it. Well I could but that would be wrong. Not like these yippie cakes which are so right they couldn't be any righter. Or prettier. Or yummier. I'd keep the fluff cuz I ain't no stinking prissy baby. But I'd be stubborn and try to pipe and fail miserably. Cuz that's how I roll.
Um, let me know if you break a hand trying to pipe it… it's so thick. And yummy. But seriously, thick. Of course, you may be super strong. I bet you are. Because you're not a prissy baby.
These look so good! And I love the fun rename!
Dis-shovelled is how your driveway gets when the snowplow goes by.
…and it's spelled oy vey…
Yur right smart like.
Ha-I saw someone's post and a person called "spelling matters" criticized the bloggers error. Believe me -you would rather it be 2.0!
Anyhow, those fluffy cakes has drawn me in and I have saved the recipe. I think I could enjoy with or without the filling-yum! Great post.
I've been thinking about making a batch of the cookies myself. They were so, so good! No filling required…
And let me be clear – I love that both 2.0 and my brother, Adopamop, let me know when they find typos on the blog. There have been many! In fact, I'm grateful to anyone who lets me know about spelling, etc. Because I'm pretty prone to late-night blunders…
I cracked up at this post! and darn, those yippie cakes look good!!
Spelling schmelling, who cares! I do it all of the time and I'm thankful the hubster doesn't really point out mistakes. Only the embarrassing ones that I quickly correct and cross my fingers in hopes that nobody noticed. In real life though, he is constantly correcting my grammar. That's when I withhold the baked goods. He learns right quick not ta mess wit ma grammar!
These cookies are heavenly and I would like to have one right now.
Yippie cakes – I love it! I would definitely be saying "yippie" if I had these in front of me right now!
this post made me laugh so incredibly hard!!! 🙂 I'm excited to try my hand at these… they look YUMMY!!!
Dear Sugar Freaks,
Thanks for the comments. They really do make my day.
(And not in a sad, lonely way. I have real-life friends too.)
movita beaucoup
These yippie cakes look so good! Best part is how I will be able to use the leftover egg yolks from the macarons! 😉 Gotta try them soon.
Thanks for stopping by my blog
I'm the wimp who might have to skip the marshmallow, but otherwise these look delicious!
As I sit here going through all of the blog posts in my email, and suffering with the flu, it amazes me that I can still think about food. Well, maybe "amaze" is a bit of an exaggeration… I am a true foodie, after all. And skip the marshmallow cream in your Yippie Cake? I'm no prissy baby. And I would probably…no, I KNOW I would definitely take a huge spoonful of it right out of the jar while I was making them. Just for good measure, of course.
You, my friend, are a superstar. Go forth and battle the flu!
Gah – I want to sleep on these and then stuff my face with them when I wake.
You are a genius. I mean, I thought about sleeping on them, but why didn't I think about eating them for breakfast?


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Ara is a little star
Hi there!
The purpose of our blog is to make this world a little happier and to show you wonderful photos of children from all over the world to smile and to forget all your troubles.
We have already shown you lots of babies photos which had been taken by their beloved parents. Today there is another cute collection of such creative photos. Here you will see a little baby girl Ara which have been made by her mother. The photographer has used different things like clothes, paper, grocery and other objects and created them into various landscapes and shapes. The pictures are for sure inspired by music, pop culture and personal preferences of Ara's mother. We hope you'll like these photos, they are so amazing.
Have a nice day!
After having a baby, Kate began writing about baby products: Baby Care, Strollers, Car Seats, Baby Safety: Baby Gates, Video Monitors and more. She living at Chicago


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Adshel makes series of announcements to boost digital and data offering
News Release 20th August 2015
Out-of-home advertising company Adshel today announced a series of developments across its Australian and New Zealand operations to strengthen its position in the competitive outdoor advertising market.
Adshel has increased the number of digital screens across the Sydney Trains network from 130 at the beginning of the year to 200 expanding its presence to key train stations such as Circular Quay, Newtown, Redfern, Milson's Point, St Leonards, Edgecliff, Hurstville and Hornsby.
As part of this, from Q4 and in partnership with Site Tour, Adshel is opening automated trading to all its 200 screens giving advertisers and their agencies the ability to buy premium inventory on the screens they want, when they want quickly and efficiently. This will offer Australia's largest audience available through out-of-home automation.
New Zealand
After launching the world's first national beacons network in Australia, Adshel is creating a national beacons network in New Zealand with 1000 beacons being rolled out nationwide in major metropolitan and key regional markets. The network will be live from October. It will initially take a 'listen and learn' approach to build data on how the technology meets the needs of consumers and advertisers, and to profile Adshel's outdoor panels, improving audience targeting.
In addition, following the digitisation of 35 of Adshel's street furniture panels in Auckland, the Company intends to expand its digital screen street furniture network in New Zealand across Auckland and the key markets of Wellington and Christchurch throughout 2016.
Adshel's chief executive Rob Atkinson said: "These developments will deliver advertisers accountable, efficient, data-driven solutions for their campaigns.
"We are pleased to have expanded our Sydney Trains digital network creating more coverage for advertisers looking to target commuters as they are travelling across the network. This sort of digital coverage has allowed us to explore sales automation in out-of- home. We know there is clear advertiser demand for premium outdoor inventory to be traded programmatically and we have invested in the systems to automate the sales process and create sales efficiencies for advertisers and agencies.
"We look forward to growing this capability in the industry alongside the Outdoor Media Association (OMA) and remain committed to the development of their automated transaction platform (ATP) for automated trading."
On the progress of its New Zealand business, Mr Atkinson said: "We are learning a lot about how we can effectively use the data to benefit advertisers from our beacons network in Australia and believe there is a lot more to learn in this area to create a truly accountable out-of-home data offering. This is why we are launching New Zealand's first outdoor advertising beacons network.
"Adshel's digital screens in Auckland have been very well received by advertisers with high occupancy rates until the end of the year. This shows a clear appetite for street furniture digital screens that can provide advertisers with contextually relevant, dynamic messaging at scale. This is why we intend to expand our digital screens network in New Zealand, opening up even more creative opportunities for advertisers."
Media Contact:
Vida Scott
T: +61 2 9333 4912 or +61 401 435 309 E: email@example.com
About Adshel
Adshel is the leading provider of advertising-funded street furniture solutions in Australia and New Zealand. Formed in 1997 as a joint venture between APN News & Media and Clear Channel, it is now one of the most recognised names in street furniture and a key player in the outdoor media market.
With the largest street furniture coverage in the country, a cutting edge innovation portfolio and a robust research program, Adshel offers unparalleled reach, engagement opportunities and insights to deliver impactful and interactive campaigns in the outdoor.
For more information, visit http://www.adshel.com.au
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In one of the most coveted streets in Blairgowrie, this architect designed home takes full advantage of its elevated position.
Over two spectacular levels with bay views from both, there are living and indoor/outdoor entertaining zones on each level. Upstairs the open plan kitchen adjoins a large dining and living space with floor to ceiling glass windows leading to a large deck to enjoy the uninterrupted and sweeping views of the bay and beyond which will leave you breathless. Also on this level is the Master bedroom with ensuite and private study/dressing room (or nursery), second guest bedroom (BIR) and full bathroom.
The entry level provides two further spacious bedrooms (BIR's), family bathroom, powder room, laundry, and large games/rumpus room with sliding glass doors leading to a sheltered rear garden courtyard.
Simply spectacular, this residence has created a sophisticated, stylish domain that effortlessly embraces indoor-outdoor living with the added functionality of a Jetmaster fireplace, double carport with storage and large rainwater tank with irrigation system.
Located within a short stroll to the Blairgowrie foreshore, Village cafes and Yacht Squadron - an inspection will not disappoint.


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Mon-Fri: 09:00 – 17:00 Sat: 10:00 – 16:00
The owners of this property called on the expertise of Anglia Factors to create a small 'kitchenette' and hidden storage space within their newly built pool room.
The internal space is large; the bi-folds and windows create natural light for a serene and calm atmosphere. We wanted to ensure our design retained the tranquillity of the room. To do this we created unique storage solutions, with everything needed to entertain in one room, ensuring any guest can effortlessly escape into this sanctuary.
The simple design of the handle-less cabinets are complemented by the Wilson's worktops, which are stone quartz in Vicenza. The combination has created a stunning sleek and modern look.
With the built-in cabinetry at each end of the pool house, there is plenty of space to store away towels, cushions and equipment. The two wine coolers are supplied by Caple and create a contemporary look within the concealed cabinets. The bespoke drinks cabinet was carefully designed to be central to the wine coolers, ensuring the host has everything at hand for entertaining guests.
The petite kitchen has everything needed, the cabinets are home to several small appliances, including a Fisher & Paykel dish drawer/dishwasher, Neff Domino Induction hob and Neff Combination microwave oven. The finishing touch is a Quooker Flex boiling water tap, ensuring the hosts have immediate access to boiling water.
The internal space has been cleverly designed with the focus on the colour palette and the complementary use of materials. With a stunning view from the bi-fold doors onto the pool area, this space had plenty of scope to become the ultimate family space.


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How it works?
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Suppliers/Vendors that are NOT exhibiting in the trade show may be excluded from being able to send meeting requests and in-App messages. The Organiser reserves the right to block this functionality from individuals and/or companies who abuse the system by sending an unreasonably large number of meeting requests/messages. This includes suppliers/vendors who have paid for a delegate pass).


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Dialogue as a Collective Means of Design Conversation is the second volume edited by Patrick M. Jenlink and Bela H. Banathy to offer a cross-disciplinary approach to examining dialogue as a communicative medium. In this Compendium, the contributing authors set forth their ideas, experiences, and perspectives as the path of a learning journey—a journey of new meaning, of new understanding, and of becoming self-aware of design conversation as future creating and consciousness evolving. In particular, this volume comes at a time when we as a global society are faced with the question of how we shape our actions and in turn shape our future, through conversation that is focused on resolving global conflict and fostering world peace. The volume evokes in the reader a realization that our greatest potential rests, in no small measure, with our collective capacity for cultural creativity and in our capacity to achieve new levels of consciousness through dialogue and design conversation.
The Compendium is organized into five themes: Section I examines foundational perspectives of design conversation. The authors examine design conversation from philosophical, cultural, spiritual, and historical perspectives. Sections II-IV explores the philosophical and theoretical perspectives as well as methodological ideas related to conversation. These writings also delve into different modalities of conversation and the application of design conversation within and across various types of design settings and human experiences. In Section V the editor reflectively examines the contributions to the book and presents his own thoughts on the next steps in the evolutionary relationship of conversation, human systems, and systems design.
Patrick M. Jenlink, Professor of doctoral studies and Director of the Educational Research Center, Stephen F. Austin State University. Earlier positions include: Department Chair, Secondary Education and Educational Leadership, Stephen F. Austin State University (1997-2001), Assistant Professor, Western Michigan University (1988-1995) and Senior Research Associate, Learning Systems Change Group (1995-1997). His published books include: Systemic Change: Touchstones for the Future School (IRI Skylight, 1995), Marching into a New Millennium: Challenges to Educational Leadership (Scarecrow Press, 2000), Dialogue as a Means of Collective Communication (Kluwer Academic/Plenum Publishers, 2005), and Portraits of Teacher Preparation: Learning to Teach in a Changing America (Rowman and Littlefield, 2005).
Bela H. Banathy was Professor Emeritus of the Systems and Design Sciences at the Saybrook Graduate School and President of the International Systems Institute. Earlier, he was Associate Laboratory Director at the Far West Laboratory for Research and Development. He was a Past President of the International Society of the Systems Sciences and the International Federation of Systems Research. He published seven books, numerous chapters in books, and over a hundred articles and research reports. Recent publications include: Designing Social Systems in a Changing World (Plenum, 1996), Guided Evolution of Society: A Systems View (Kluwer Academic/Plenum Publishers, 2000), and Dialogue as a Means of Collective Communication (Kluwer Academic/Plenum Publishers, 2005).
Cover illustration by Doug Walton


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Banking groups look to have been given a significant boost to their liquidity but borrowers have been warned to keep a close eye on their own finances.
David Kuo from Fool.co.uk has said that credit consumers need to remain vigilant and concern themselves with their own money problems in the wake of news that the Bank of England is allowing lenders to swap mortgage debt for government bonds.
Mr Kuo suggested that it will still be up to individuals to solve their own debt management problems and to secure the best credit deals on the market.
Banking groups are answerable to their shareholders and not to the government, regardless of the extent to which the chancellor Alistair Darling decides to "nationalise mortgage risk", he said.
"Consequently, borrowers will need to demonstrate that they are good credit risks if they want the best interest rates," the price comparison expert added.
Last week, the Council of Mortgage Lenders made clear its view that the UK's housing market has been "rapidly worsening" over the course of the past few months.


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Warm up this fall with this easy and healthy turkey chili recipe
Well, that's not totally true; my meals turn out pretty tasty sometimes. It's more that I'm a lazy cook. If something is going to take more than 10 minutes to prep and more than 30 minutes to cook for dinner, I usually end up reaching for a bowl of cereal instead. Not the most healthy nor Instagrammable of a meal choice for a fitness blogger and personal trainer, but hey — I'm human, too.
When all my other girlfriends would show up at parties and get-togethers with delicate little homemade creations (cantaloupe lollipops with prosciutto, anyone?), I'm that girl who arrives with a Dr.Oekter frozen spinach pizza in one hand and bag of pretzels in the other. Sometimes I just don't feel like I have the time — or want to spend the time — on meal preparation.
That's why I get super excited when I find tasty, healthy meals that require very little prep and cooking time, and make a point to include them on client meal plan guides like this gem of a recipe.
I think I found this recipe for turkey chili in the local newspaper a few years back, but it's so easy to make that I no longer need to look at the recipe. Which is probably a good thing, because I'm sure the clipping is long gone or crumpled up in a cookbook somewhere.
Not only is this recipe high in protein and full of nutritious veggies, but also great to take for lunches for the week or to store in an airtight container in the freezer for later.
Easy and Healthy Turkey Chili
Yields 5-7 servings
- 1lbs lean ground turkey
- 1/2 a sweet onion, chopped
- 1 tbsp olive oil
- Large can of mixed beans
- 500ml or so of salsa
- 1 cup v8 juice
- Whatever veggies you fancy
1. Add the olive oil to a large pot, heat to medium and cook onions and ground turkey until turkey is cooked thoroughly.
2. As the meat is cooking, cook whatever veggies you want to add (I usually do kale, zucchini, peppers and mushrooms) in a separate pan with olive oil (or steamed if you want to make it even healthier!).
3. When both are cooked, add the veggies to the meat, stir for about a minute then dump in the beans, salsa and V8 juice. Simmer on med-low, stirring occasionally until it's warm enough to eat!
What do you usually add to chili? What's your favourite fall meal? Are you sad that fall is just around the corner or looking forward to cooler weather? Do you cook big batches of food to freeze for later?


text: Teams are leaving from the Big East left and right, and Notre Dame can be added to the same list that includes West Virginia, Pittsburgh, and Syracuse. The Fighting Irish will be a non-football member in 2014, meaning the football program will keep its tradition of being independent, while all of the other sports will belong to the ACC. However, Notre Dame football will play five ACC teams per year.