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Bulk SMS Service Provider in Vadodara
Bulk SMS Marketing Service Provider in Vadodara, India
Bulk SMS services in Vadodara are not only restricted to business and corporate associations, but also a considerable lot of the new small and mid-sized ventures, private foundations, for example, schools, universities, and training focuses, restaurants, resorts, and lodgings additionally utilize this effective marketing technique to grow their compass in the region and the related state.
The Best Cost-Effective Marketing Solution In Vadodara
As advertising is an imperative strategy in the development of any firm, one needs to actualize better and compelling promotion strategies for its prosperity. While most people consider these advanced marketing techniques, they often tend to miss out on the convention, yet the most effective one - that is bulk SMS marketing. The graph, though, is all set to rise up for Bulk SMS services in Vadodara, the major reason being quick targeted reach and cost-effectiveness. Bulk SMS service is a superior option than web and other computerized promoting strategies as it is without a lot of effort, less advanced, less comprehensive and has a superior reach at a similar time. The likeability, as a result, is much more noteworthy for bulk messaging services as the data range to a bigger target group of the target audience in lesser time.
In the present day and age where marketing is profoundly focused, it is imperative for your business to emerge off the herd marketers and to end up fruitful. With regards being effective, you may run over various strategies and techniques that will assist your business with sky touching the incredible heights. You may either be beginning or be sustaining your business, but there is a need to guarantee that timely help is given to the clients on an opportune premise. Giving the right services to the consumer keeps them associated with you. Offering marketing or running useful campaigns through SMS messaging is extremely a viable method to achieve the desired results in a flash. It is additionally trusted that 98% of all messages are opened, in this manner, SMS messaging or bulk SMS services can be an extraordinary method to take your business to the dimension you desire.
In case your business is situated in Vadodara, make a point to pay special attention to the Best Bulk SMS Service Provider in Vadodara that offers superior bulk SMS services and marketing techniques for any business you are into. As indicated by research, it has been discovered that around 4 billion individuals use cell phones and out of those 4 billion individuals, around 90 percent of the individuals open SMS messages as soon as they get it. What is better is, in addition, you can alter the SMS messages in the manner in which you need. Hence, it tends to be said that SMS messaging can assist you with enhanced and a better-targeted content component.
Along these lines, Bulk SMS Vadodara services enable you to share not just your brand communication, but also an emotion which is set to profoundly impact your target audience and lead him to understand the brand better. There is nothing better than creating an attachment value for your brand. Buyers may walk out, loyal consumers won't.


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Discovery of extended X-ray emission from the planetary nebula NGC 7027 by the Chandra X-ray Observatory
© 2001 The American Astronomical Society.
The authors thank the referee, You-Hua Chu, for incisive, illuminating comments on this paper. J.H.K. acknowledges support for this research provided by NASA/Chandra grant GO0–1067X to RIT. N.S. thanks the US-Israel Binational Science Foundation. S.D.V. acknowledges support from NASA grant NAG5–6711.
Note: imported from RIT's Digital Media Library running on DSpace to RIT Scholar Works in February 2014.
We report the discovery of X-ray emission from NGC 7027, a prototypical object for the study of the formation and evolution of planetary nebulae (PNs). Observations with the Advanced CCD Imaging Spectrometer (ACIS) aboard the Chandra X-ray Observatory show that the X-ray emission from NGC 7027 is extended and is bipolar in morphology. The ACIS spectrum displays strong emission from highly ionized Ne and weaker emission features which we attribute to O, Mg, and Si. Model fits to this spectrum suggest a characteristic temperature Tx~3×10^6 K and an intrinsic (unabsorbed) X-ray luminosity of Lx~1.3×10^32 ergs s^−1. The intranebular absorption of X-ray emission is highly nonuniform, but the modeling indicates an average column density NH~6×10^21 cm^−2, consistent with previous measurements of relatively large visual extinction within the nebula. We suggest that the X-ray emission from NGC 7027 is or was generated by a hitherto undetected fast wind from the central star of NGC 7027, or from a companion to this star. Chandra's detection of extended, high-temperature X-ray emission from BD +30◦ 3639, NGC 6543, and now NGC 7027 suggests that such emission is a common feature of young planetary nebulae (Refer to PDF file for exact formulas).

subset: commoncrawl


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"Dr. Duane Carr - Professor of Surgery at the University of Tennessee College of Medicine, said this: "Smoking does not discolor the lung."And Brigitte even found a Youtube video:
Dr. Victor Buhler, Pathologist at St. Joseph Hospital in Kansas City: "I have examined thousands of lungs both grossly and microscopically. I cannot tell you from exmining a lung whether or not its former host had smoked."
Dr. Sheldon Sommers, Pathologist and Director of Laboratories at Lenox Hill Hospital, in New York: "...it is not possible grossly or microscopically, or in any other way known to me, to distinguish between the lung of a smoker or a nonsmoker. Blackening of lungs is from carbon particles, and smoking tobacco does not introduce carbon particles into the lung."
There is even this (in German) in which a forensic medic states that these "tar" lungs do not exist.Rich White's Smoke Screens reports the same:
This was confirmed by Dr Jan Zeldenrust, a Dutch pathologist for the Government of Holland from 1951 - 1984. In a television interview in the 1980′s he stated that, translated from Dutch, "I could never see on a pair of lungs if they belonged to a smoker or non-smoker. I can see clearly the difference between sick and healthy lungs. The only black lungs I've seen are from peat-workers and coal miners, never from smokers".Nevertheless, the black lungs are all over cigarette packets these days.
And black lung disease (or pneumoconiosis) is a real disease. Coal miners get it.
So where does the smokers' black lung idea come from?
Part of the answer can be found in a photo-essay on Medicinenet:
This photo essay will focus on smoker's lung. The term "smoker's lung" refers to the structural and functional abnormalities (diseases) in the lung caused by cigarette smoking. First, the normal structure and function of the lung will be described and illustrated. Then, the structural and functional abnormalities caused by smoking will be described and illustrated.A bit further on the effect of emphysema on lungs is described.
As a result, emphysema also disrupts the normal blood supply. Figure 4 contrasts the nasty appearance of a smoker's emphysematous lung with a normal lung.So it's emphysema that causes the nasty appearance of a smoker's emphysematous lung.
It continues:
As you can imagine, cigarette smoke contains many impurities that are inhaled in great numbers directly into the lung. For this reason, the alveolar spaces of the smoker contain numerous scavenger cells (macrophages) that are filled with engulfed (phagocytized) particles of impurities and debris, as illustrated in Figure 5.I'm not sure why people are asked to 'imagine' what's in tobacco smoke. But since the emphysematous lung has simply been renamed the 'smoker's lung', maybe it's necessary to explain why it's turned grey-black. And it's that imaginary stuff in tobacco smoke that is conjured up to explain it.
Under the microscope, with this high magnification, you can actually see the black and brown engulfed particles in the alveolar scavenger cells. Indeed, smoker's lung may have so much of this particulate material that the lung looks gray-black to the naked eye. So, most of the time, you don't need a microscope to tell if someone is or was a heavy smoker. A naked eye examination of a smoker's lung usually will reveal an enlarged gray-black lung with enlarged air spaces (the emphysema, as you saw in Figure 4 and will see again in Figure 8).
The lie hinges on first asserting that smoking causes emphysema (it may do, or it may not), and secondly asserting that emphysema turns lungs grey-black (it probably does), and then finally dropping the connecting middle term of 'emphysema', and asserting that smoking turns lungs grey-black. Or it's just calling emphysematous lungs 'smokers' lungs'.
A parallel false ascription might be found elsewhere. People who visit Delhi may get food poisoning from ingesting bacteria. The food poisoning may cause vomiting and so on. But if the 'bacteria' link is missed out, and the malady is just called 'Delhi belly' (as it often is), it may mislead people into believing that it's visiting Delhi (or Indian restaurants) which is the root of the trouble - although in fact most visitors to Delhi (and Indian restaurants) don't suffer such ill-effects, and there are lots of other places in the world other than Delhi where you can contract 'Delhi belly'.
It's a thoroughly dishonest and disreputable mis-attribution of a disease. It pins the disease on a particular social group: smokers. And it makes it their disease, and nobody else's - even though not everyone who gets emphysema is a smoker, and not all smokers get emphysema. But at least we may now see why pathologists aren't finding grey-black smokers' lungs: they didn't have emphysema.
But this doesn't seem to be the only way the black lung lie is propagated. There are also the pigs' lungs used in demonstrations. I even found an ad for one:
The accompanying text helpfully explains:
The inflatable swine lungs have been stained realistically and then specially preserved by the BioFlex odorless, nontoxic process that retains the texture and elasticity of fresh lungs. The lungs dramatically and unforgettably demonstrate the effects of prolonged smoking. A palpable simulated internal tumor and a physical simulated external tumor encourage students to feel the texture of the lungs, and to remember that smoking is a known cause of lung cancer.So firstly they're pig lungs. And secondly they've been preserved and stained realistically. And simulated internal and external tumours have been added. And all to demonstrate the effects of prolonged smoking! It beggars belief.
No doubt the students aren't told any of this, and are led to believe that they're looking at real human 'smokers' lungs'.
There are even discussions of the effectiveness of such imagery.
Marketing researchers at the University of Arkansas, Villanova University and Marquette University surveyed more than 500 U.S. and Canadian smokers and found that the highly graphic images of the negative consequences of smoking have the greatest impact on smokers' intentions to quit. The most graphic images, such as those showing severe mouth diseases, including disfigured, blackened and cancerous tissue, evoked fear about the consequences of smoking and thus influenced consumer intentions to quit.In fact, there may be a downside from using such graphic images, if they have been fraudulently obtained (a consideration which doesn't appear to have crossed the minds of the marketing researchers). And we've just established two methods by which they are fraudulently obtained.
"These results suggest that there appears to be little downside on intentions to quit from using extremely graphic pictorial depictions of the negative health outcomes due to smoking," said Scot Burton, co-author of the study and marketing professor in the Sam M. Walton College of Business.
And the downside is that, when it is shown that they're fraudulent, the people who publish them will be accused of fraud, of twisting logic and manufacturing evidence. And when that happens, people will cease to believe not just the fraudulent evidence they have produced, but everything else that they assert too. They will lose all their credibility. Nobody will believe a word they say.
That's quite a big downside, I think. And it's a downside that doesn't even seem to have occurred to them.
It doesn't seem to have occurred to the mass media that help propagate these lies that people will cease to believe a word they say either.
Nor does it seem to have occurred to the medical profession which allows these lies to be propagated unchallenged that people will cease to believe them too.
There's an awful lot of downside waiting to go down.
Update: The lying is deliberate. From the Delaware News Journal:
Pankiw described the centerpiece of his anti-smoking display as the diseased lung of a 150-pound man who smoked for 15 years. Actually, it was a pig's lung shot full of various carcinogens on purpose, but, Pankiw said later, his lesson was made stronger by not passing along that tidbit of truth.And furthermore smokers' lungs are routinely used in lung transplants:
In the UK donors with a positive smoking history provide nearly 40% of the lungs available for transplantation, according to the study's lead author Professor Robert Bonser, of the Queen Elizabeth Hospital, Birmingham and University of Birmingham. He said in a press statement: "Our data show that patients awaiting lung transplantation in the UK are likely to survive longer if they are willing to accept lungs from any suitable donor, irrespective of smoking history...


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Digitalisation ‑ Opportunities and challenges for the tourism sector
Digitalisation is an ongoing process in all areas of society and is evident in different ways. Within all sectors, it provides enormous opportunities but also presents challenges. The tourism sector is by no means an exception - quite the contrary.
Digitalisation within the tourism sector influences and alters entire cities and regions in ways which are hard to predict and complex to analyse. This is why Mid Sweden University as a whole, and the research centre ETOUR in particular, is conducting research on this issue.
Digitalisation has been going on for several decades
One could say that the digitalisation of the tourism sector began as early as the 1970s when it became possible to generate flight tickets electronically. At first, development went slowly and only small steps towards digitalisation were taken. In the '90s it became possible to book trips via the Internet but still most of the knowledge about the destination was to be found within the actual destination. Today there exists unimaginable amounts of information about activities and sights from all the corners of the world directly available and bookable in your hand, with smartphones and the Internet now well established the world over. But how does digitalisation affect tourists and destinations?
These changes have had a large impact on the aviation and hotel industries where the products are relatively standardised and easier to compare.
"If instead, you look at destinations, then you get a much more complex picture" affirms Maria Lexhagen, Associate Professor of Tourism Studies at the research centre ETOUR at Mid Sweden University.
Hard to control your branding
A destination comprises of a large number of players: travel agents, booking offices, restaurants, accommodation providers, tour operators, shops and activity providers. Everyone has their own brand to think about but it is simultaneously important to be a part of the destination's brand. Collaboration between businesses and organisations in different destinations might not be as digitalised as the target group they are trying to attract is, and this can lead to the visitors not getting the experience they were expecting.
"You have to remember that guest experiences are a multi-faceted product at the destination and the offer is made up of maybe hundreds of different businesses and services" says Maria Lexhagen.
The digitalisation of information about businesses within destinations has fundamentally altered the way they work at reaching out to visitors and potential visitors alike, namely from having used printed marketing material to using digital marketing via the Internet. However, this means that it is now actors other than the businesses and representatives of the destination who, to a greater extent, are forming and spreading the message. One example from Jämtland is that of increased tourism to Lake Blanktjärn after a large number of photographs and videos about the lake went viral. The increase in tourism to the lake was hard to predict, which lead to problems such as a lack of parking places and infrastructure, and increased wear and tear on the paths to the lake. In other words, places can be surprised by a huge increase in the number of visitors and are thus left unprepared.
Another risk of digitalisation is that it becomes harder to create a holistic approach to destination information provision. Given that all the individual operators within a destination have the capability to reach out to as many or even more prospective customers as the destination's own channels, it can be hard to create a clear image of the destination. This is made harder by the fact that guests themselves can also create and disseminate information, for example, a review of a restaurant on Tripadvisor can have a much greater impact than the marketing that company puts online.
"When it is no longer only the product owners who are responsible for marketing, it becomes much harder for a destination to communicate a clear message to its target group" Maria Lexhagen comments.
Enables entirely new knowledge about the guest.
Today it is also possible to carry out far more detailed guest surveys, thanks to the digital presence of the guests. Instead of doing traditional guest surveys after a visit, it is now possible to measure behaviour and activities in real time. For example, through social media or smartphones, it is possible to gain access to very detailed information about what the guests think and how they behave. The challenge lies in analysing this data in a way that makes it useful for the destination.
"It's becoming all the more common to look at tools which analyse what is written rather than just the number of likes for example" says Maria Lexhagen.
If the available data is used in the right way, it is possible to form a very solid basis for decision-making about destination strategies and activities; both when it comes to attracting visitors to the destination but also getting those who are already there to stay longer or enjoy themselves even more. Different kinds of tools for business intelligence in this field are still rare and therefore there is a great deal of potential for further development.
Hard to predict the future
In the future, greater demands will be made on destinations and individual businesses. Previously they collaborated at the destination level, but now they also need to collaborate in the digital world. New digital services are often groundbreaking and it might be that the next big breakthrough is just around the corner.
"There's a lot of exciting and important research to do in this field" Maria Lexhagen concludes.


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Thunder Trouble: Carmelo Anthony Openly Defying Coach Billy Donovan
Thunder Trouble: Carmelo Anthony Openly Defying Coach Billy Donovan
There is a lot wrong with the Oklahoma City Thunder right now. After acquiring Paul George and Carmelo Anthony, the Thunder were tipped as one of the top teams to challenge the Golden State Warriors before the campaign began. Unfortunately, they've been horribly disappointing thus far.
One of the problems is Carmelo Anthony who seems to have a problem with Thunder coach Billy Donovan.
Last night, Melo has openly defied Donovan by waving him off of a substitution. Stephen A, Smith has the story:
"…and I'm watching Carmelo Anthony on the free-throw line, I'm watching Billy Donovan send someone in the game to sub for him," said Smith. "…and Melo waves him off. 'I got it, I'm staying in. I'm not coming out, I'm staying in'"
"Well, excuse me, who is the coach and who is running the show? I'm not saying Melo is wrong for doing that, I'm saying those are the things that are happening."


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This is a summary of Wisconsin Concealed Carry and firearm laws. We break them down into a question and answer format to make it easier to understand for those of us that aren't lawyers.
This is a summary of Wisconsin Concealed Carry and firearm laws. We break them down into a question and answer format to make it easier to understand for those of us that aren't lawyers.
For non-resident licenses and other states, click on the image to view our Concealed Carry Maps.
Wisconsin is a Shall Issue State and issues Concealed Weapon Licenses to residents of Wisconsin. Non-resident licenses are only issues to Military personnel stationed in Wisconsin.
Applicants can apply online at the Wisconsin Concealed Carry Website. You can also download the application form or request one be mailed to you by calling (608) 261-7998 or sending a letter to:
Wisconsin Department of Justice
ATTN: Firearms Unit
P.O. Box 7130
Madison, WI 53707-7130
Wisconsin was the 49th state to instate concealed carry law which went into effect on November 1, 2011, making them a Shall Issue state.
Wisconsin CCW Licenses are issued by the Wisconsin Department of Justice. You can visit the Wisconsin CCW licensing website here.
To be eligible for a Wisconsin CCW License license the applicant must:
The proof of training requirement may be met by any of the following:
The cost for a Wisconsin CCW License is $40. If you are mailing in your application, include a check for $40 made out to Wisconsin Department of Justice.
Wisconsin CCW Licenses are valid for five years from the date it was issued unless suspended or revoked.
The following places or off-limits when carrying concealed in Wisconsin:
designated as the Maximum Security Facility at Mendota Mental Health Institute.
The prohibitions under par. (a) do not apply to any of the following:
Yes. For Wisconsin residents, the Wisconsin Department of Justice will conduct a background check when applying for a Wisconsin CCW License.
No. Having a Wisconsin CCW License does not exempt you from a National Instant Criminal System (NICS) check when purchasing a firearm according to the ATF Permanent Brady Permit Chart.
The cost to renew your Wisconsin Concealed Carry License is $22.
You can renew your Wisconsin Concealed Carry License from 120 days before the expiration date to 90 days after the expiration date. Valid license holsters will receive a notice in the mail with a unique identifier to renew using the online system>.
You can also download the renewal application form or request one be mailed to you by calling (608) 261-7998 or sending a letter to:
Wisconsin Department of Justice
ATTN: Firearms Unit
P.O. Box 7130
Madison, WI 53707-7130
You have 30 days to notify the Wisconsin Department of Justice of name and address changes. Use their online form to request and pay for the changes.
If your Wisconsin Concealed Carry License is lost or stolen, you can apply for a new license using their online form. It will cost $22 and require a new background check.
If your license is damaged and you need a new one with the same license number, download the replacement form and mail it to the address below along with the $12 fee.
As far as we can tell, you are not required to notify the Department of Justice of an arrest or conviction. But the DOJ will revoke a license if the license holder is no longer legally eligible to possess a concealed weapon. They will also suspend a license if a court has prohibited a license holder from possessing a dangerous weapon as a condition of bail.
If your license is suspended or revoked, you will receive a notice in the mail within one day of the revocation or suspension and takes effect when you receive it.
Within seven days, you must deliver the license to the DOJ, mail the license via certified mail, or mail a signed statement stating you no longer have possession of it and the reason why. Failing to do so can result in a fine of up to $500 and 30 days in jail.
From what we can tell, your license will no longer be valid after you move to another state. You have 30 days to notify the Wisconsin Department of Justice of address changes.
Wisconsin does not allow you to transfer another state's concealed carry permit or license to Wisconsin. You must apply for a new Wisconsin CCW License.
Wisconsin accepts 47 other state and territory permits or licenses. Wisconsin has a specific list of states they have reciprocity with and will honor non-resident permits/licenses from those states. To see the most up-to-date reciprocity information visit our concealed carry reciprocity maps.
It seems that yes, Resident Aliens can apply for a Wisconsin Concealed Carry License. In the application form, question 14 asks to enter a Alien Registration or INS # and Country of citizenship if not a citizen.
If you do not have a Wisconsin Concealed Carry License or a permit or license from a state or territory Wisconsin honors, the firearm should be stowed in the truck out of reach.
Wisconsin is a state with castle law. Assembly Bill 69 relates to the privilege of self-defense.
Carrying a firearm while intoxicated or under the influence of a controlled substance is a class A misdemeanor (9 months jail and/or $10,000 fine).
Under the influence has been defined as materially impairing the ability to handle a firearm which
is further explained as consuming ―any amount of alcohol to cause the person to be less able to
exercise clear judgment and steady hand necessary to handle a firearm.
If you have a concealed handgun license, you may carry concealed in a place of business that serves alcohol as long as the license holder is not consuming alcohol.
USA Carry always recommends never to carry a firearm while drinking alcohol.
Yes, No Gun signs have the force of law. See Wisconsin Statute 943.13 (2).
Yes, you may be exempt from the training requirements for a Wisconsin Concealed Carry License. Documentation that the individual completed military, law enforcement, or security training
that gave the individual experience with firearms that is substantially equivalent to a course
or program described above.
State Parks: Yes
State Forests: Yes
National Forests: Yes
WMA's: Yes
Road Side Rest Areas: Yes
Do you have a question that we haven't answered? Contact us here, and we'll do our best to find you an answer.
To view a state's concealed carry permit information click on the state. The state's color represents whether a state is Shall Issue, May Issue, Constitutional Carry, or Right Denied (We explain each state's status below).
Shall Issue to Residents Only:
Alabama, California, Colorado, Georgia, Guam, Louisiana, Michigan, Nebraska, New Mexico
Shall Issue to Residents and Non-Residents:
District of Columbia, Florida, Illinois, Indiana, Minnesota, Nevada, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, Virginia, Washington, Wisconsin
May Issue to Residents Only:
Delaware, Virgin Islands
May Issue to Residents and Non-Residents:
Connecticut, Hawaii, Maryland, Massachusetts, New York
Constitutional Carry and Shall Issue to Residents Only:
Alaska, Montana, Wyoming
Constitutional Carry and Shall Issue to Residents and Non-Residents:
Arizona, Arkansas, Idaho, Iowa, Kansas, Kentucky, Maine, Mississippi, Missouri, New Hampshire, North Dakota, Oklahoma, South Dakota, Tennessee, Wisconsin, Utah, West Virginia
Constitutional Carry and Does Not Issue Permits:
Right Denied:
American Samoa, N. Mariana Islands
We try to keep the information on this page as up-to-date as possible, but it is your responsibility to verify all information due to changing laws. The information on this page is for informational purposes only and not to provide legal advice. You should contact your attorney to obtain advice concerning any particular issue or problem. Use of and access to this Website, emails, or any links within the site do not create an attorney-client relationship between i156 LLC and the user or browser. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the views of i156 LLC.


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Over 130 students from nine area high schools applied to take part in the police week event, but due to space and time restrictions, only 73 were selected.
"In some schools they had to write an essay to get in," says community services officer Const. Jason Coombs, who was leading one of three groups of teenagers through the precinct.
"Maybe next year we might even have to do two days of it. …
"They're keen and hopefully someday they'll be sitting in our classrooms."
While the RNC has offered similar programs in the past, it was usually on a per-request basis from individual schools. They decided to take a different approach this year in an effort to streamline the event into a one-day affair, thereby reducing demand on individual departments.
Students had the chance to get up close and personal with the K-9 and mounted units, tried their hand at fingerprinting with the identification section, learned lessons from the explosives disposal unit, visited the shooting range, and observed handcuffing and use-of-force techniques demonstrated by the current class of recruits.
Cadets Gillian Peddigrew and Alex O'Keefe say the training program is both highly demanding and rewarding.
"It's the hardest thing I've ever done," Peddigrew said.
"It's very demanding, but I think everyone in this program has surprised themselves with their perseverance and they're doing things they never thought they could do in terms of exercise, mental capacity and exhaustion level."
Adds O'Keefe, "It's a strenuous program. There's a lot of work. Every bit you put in, you're getting way more out of it. I would recommend it to anyone."
One of the students, Brandon Summers, is just 15, so he's still not settled on a career path. It may involve following in the footsteps of his father, Sgt. Mike Summers.
While he was most looking forward to the K-9 and mounted unit sessions, Brandon was eager to get a better appreciation of what day-to-day policing entails.
"It's a lot better understanding of how every day goes, and it's not always on the run," he says. "You do learn more about each department, and it's pretty cool."
Coombs says that was a secondary goal of the event, to foster a better understanding of a police officer's duties.
"Maybe if they don't join to be a police officer, if they're at a party or in a situation … they can turn to their friend and say, 'The constable is just trying to do their job, listen to them,' because they know what we do and they have a little hands-on experience."
Twitter: kennoliver79


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Match Official Incident ReportPrescribed Form 03
NOTE: This form is to be used for Incidents e.g.
Match Details
Incident Details
A few tips on how to write your incident report:
Keep your report short and straight to the point! Point form is sufficient.
Match Offical Details
Please submit this Match Official Report immediately after the match.


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OBS! DETTA ÄR EN FÖRBESTÄLLNING, LEVERANS i Feb-Mars.
The RCG Xtreme 5 season is a very warm sleeping bag suitable for all seasons.
- Warm fleece filling.
- Zip-out inner part.
- 2 wide straps with clip for attachment to the stretcher.
- Fleece pillow.
- Big round storage bag for easy storage off the sleeping bag.
- Dimensions 220 x 110 cm.


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Why water is so important
We all know it's important to drink water – but how much are we really supposed to drink? And what are the actual, tangible benefits of drinking enough water? Here's the scoop.
How much should you actually be drinking?
You've heard the old adage that you have to drink eight glasses of water a day – but that's not scientifically proven. The truth is, each person's hydration needs vary. And the other thing to keep in mind is that while water is the best fluid you can drink, all fluids you consume – milk, soup, juice, et cetera – count toward your hydration needs. And that includes coffee and tea, which despite acting as mild diuretics (they make you urinate) are not dehydrating.
The guidelines on what a recommended daily fluid intake vary.
According to the Dietitians of Canada, women 19 years and older need 9 cups (2 litres) of fluids a day, while women who are breastfeeding need 12.5. Men in the same age range need 12 cups (2.8 litres) a day.
The U.S. National Academies of Sciences, Engineering, and Medicine, on the other hand, has a slightly higher recommendation, suggesting about 15.5 cups of fluids for men and 11.5 cups for women each day.
Your lifestyle also helps determine what your daily fluid intake should be. If you live in a hot, humid environment where you sweat a lot, you may need more than the recommended average. The same goes for if you are exercising – you need to hydrate yourself to replenish the fluid lost when sweating.
How water affects overall health
Our bodies are mostly made up of water – about 60 per cent to be exact – so we need to be hydrated to function properly. Here are just some of the things our bodies need water for:
- Creating saliva
- Regulating body temperature
- Lubricating joints
- Excreting waste by sweating, urinating and through bowel movements
- Digesting food and preventing constipation
- Keeping circulation at optimal levels
- Helping the brain function
How water affects weight loss
You may have heard that drinking more water can help you lose weight. There's no hard and fast rule like "drinking X amount of water will make you lose X number of pounds", but studies have shown that drinking more water can help with weight loss and weight maintenance.
There are two main reasons why: 1) drinking water can make you burn more calories; 2) drinking water can reduce your appetite.
Drinking water has been shown to increase adults' calorie burn by between 24 per cent and 30 per cent within 10 minutes – an increase that lasts for about 60 minutes. And one study found that overweight women who increased their water intake to more than 1 litre a day lost an extra 4.4 pounds over a year – while making no other lifestyle changes.
As for the appetite factor, studies have shown that drinking water before a meal can reduce appetite, meaning you eat less, but this has mainly been proven among middle-aged and older adults. Studies of younger people haven't revealed the same levels of reduced calorie consumption.
However, regardless of your age, the fact that water is a zero-calorie beverage means that you can reduce your overall calorie intake by choosing it over other higher-calorie drinks.
How do you know if you're dehydrated?
There are three things you can monitor to see if you are drinking enough fluids, according to the Dietitians of Canada.
- Thirst: Once you're thirsty, you're already a little dehydrated, so pay attention when you have a dry mouth and drink fluids throughout the day.
- Urine: You're aiming for clear or pale yellow urine – if you notice it's darker in colour, has a strong smell or you're simply not peeing much throughout the day, those are likely signs you need to hydrate more.
- Mood: If you notice you're tired, light-headed, having lots of headaches or trouble focusing, you might be dehydrated.


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Unrefined petroleum has been utilized by humans for more than 5000 years for different purposes so it becomes difficult to narrow down to the person who first extracted petroleum from the ground and used it deliberately for some purpose. Petroleum is a mixture of hydrocarbons (organic compounds containing both hydrogen and carbon). Before the Industrial Revolution, petroleum was readily available near the ground – one didn't have to dig very deep to find petroleum. With time, as more and more petroleum was exploited, it got deeper and deeper into the ground.
The earliest example of petroleum extraction comes from the 8th century Baghdad in Iraq. They were using oil to produce tar which in turn was being used to pave the roads. The oil fields started to spread out from there. Azerbaijan had its own oil fields by the 9th century. Their purpose was used to produce naphtha.
Muhammad ibn Zakariya al-Razi, a chemist from Arabia, was the first person to extract petroleum products from crude oil by means of destructive distillation. (It is just the name of a process and it has nothing to do with any collateral destruction of any kind!) Al-Razi produced kerosene from raw petroleum.
It wouldn't be wrong to say that the full potential of petroleum wasn't realized until the advent of Industrial Revolution. The first oil boom occurred in the Russian Empire, where, at the center of the petroleum industry, in Azerbaijan, production doubled in the early 19th century. Soon the oil was also found in the United States and the Middle East and then there were a lot of oil booms. Even today, 80% of the known oil reserves are in the Middle East but scientists are clamoring for more investment in alternative sources, because petroleum is going be scarcer in the coming decades.


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We don't tend to think of office jobs as high risk. We don't have to worry about heavy lifting, falling objects, dangerous chemicals or any other risks that may come with alternative professions.
However, with a desk job, our health is at a higher risk than most of us realize. There are hidden dangers at our desk at all times. They aren't going to cause sudden injury, but they may well cause us to develop chronic, painful and long-term health conditions.
Here are 5 hidden hazards you need to worry about (and what you can do to minimize the risks):
Quite simply, if you are sitting at a desk all day, you are not going to be burning many calories.
The sedentary nature of your job means that it's very easy to consume more calories from your food and drink than your body needs. These leftover calories are then stored as fat. This all means you are at a high risk of unhealthy weight gain and obesity.
Being overweight carries many risks for your health, particularly the increased risk of developing diabetes and cancer.
If you have a desk job, you are going to need to work hard to prevent weight gain or to lose weight if you are already overweight. You need to find opportunities to compensate by being more active out of office hours. Here are some suggestions:
When you sit at a desk, you hold your body in one position for hours at a time. This is more dangerous than you probably ever imagined.
Around half of all office workers are thought to suffer from some kind of musculoskeletal problems, mostly caused by prolonged sitting. Painful symptoms manifest themselves in the neck, shoulders and back. These symptoms can be hard to treat. Often, pain is long-term so prevention is really important.
Here's how to prevent or overcome health problems from prolonged sitting:
A job that involves a lot of typing can put you at risk of repetitive strain injuries (RSI).
These are caused by making the body to do the same type of movement over and over. These motions eventually strain the muscles and tendons causing tiny tears, chafing and abrasion. These injuries then cause the areas to be inflamed, painful or hypersensitive.
RSI is hard to treat because it is very difficult for the injured muscles and tendons to be given the time to rest and heal. Seek help from a physiotherapist if you believe you are affected.
To prevent or minimize RSI:
Some surveys have suggested that keyboards are often significantly dirtier than a toilet seat! All sorts of harmful bacteria and germs can proliferate in grubby office equipment.
To avoid getting sick, the solutions are simple:
Many offices rely on artificial lighting. A lack of natural sunlight in your day can cause real problems for your health.
Too much artificial light and not enough sunlight can cause your body clock to begin to malfunction. This is then responsible for causing sleep problems and issues with mood levels, which, in turn, cause further physical health problems.
Smart-phones, computer screens, and televisions add to the problem. These bright screens can play even greater havoc with your circadian rhythm (your sleep/wake cycle).
Finally, don't panic!
A few simple changes to your working routine and habits can prevent troublesome health problems from bothering you in the future.
Marc Innes is the Owner and Principal of the School of Natural Therapies, a training school for Massage & Holistic Therapies located in London. Marc began his career in the NHS, working in a number of managerial and training roles within the Ambulance Service in London. He spent much of that time educating and coaching medical staff. Over time, he developed an interest in all things complementary to Allopathic Medicine, in particular, Reiki Healing and EFT, which culminated in running a successful teaching and 'energy healing' practice. Marc is passionate about the massage and complementary therapy industry.
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Letter from the President
Letter from the President
Teaching and life go along hand in hand. No singing birds, no language, no science, no society without teaching. Here in Erice, where I'm writing this letter, the older generations teach advanced crystallography to the younger ones - in formal sessions but, perhaps more importantly, also informally and by example.
The other day David Sayre recalled a little movie I showed in the 'participant slide show' of the meeting in 1978: three-year-old kids learning to ice skate by example. Falling hundreds of times and standing up again, supported by parents. The kids take all that trouble just because they want to skate like the other people. By working hard, watching and copying they make very rapid progress. David told another nice story: his wife Anne observed from the window of her workroom how swans learn to fly. One day the parents decide it's time for the kids to fly. So father leads them to the starting line and shows them how to do it: he moves his wings up and down whilst running on the surface of the water - and off he goes. Then the kids try. But in the beginning they just end up under the water, comforted by mother swan. Then one day they come free from the water for the first time and are so surprised that they forget to keep their wings moving and fall down again. But soon the whole family flies in a nice order.
Why these stories? Well, if we want to skate with future generations, if we want children to fly, we have to teach them! These days it seems that Science is losing its attraction to Society, resulting, in reduced numbers of students. If we want to turn this round, we must go out, find the kids and teach. The younger the age group we aim at the more likely we reach the next generation of scientists.
Long ago Betty Wood wrote a small monograph for primary school teachers to help them to teach children about the world of crystals. It is very good that this book is available again, as an IUCr Teaching Pamphlet, but it is in English only. Because it should reach school teachers all over the world, we need volunteers to translate it into as many languages as possible.
But I think more is needed. If we want children to be science minded we have to work on their education. School curricula are based on what the community wants future generations to know; this usually leads to curricula with little time allocated to science. So we should teach them the fun and beauty of our subjects through the web, in as many languages as possible. Ideally we should have a range of subjects providing many hours of pleasure for all ages. But I think we should start with the primary school children of age 10 to 12, who could be the crystallographers of 2015. The material should be so eye- and interest-catching that even adults should be taken by it. Therefore I'm inviting all of you to provide input, so that we can build an attractive web site for schoolkids! Send your suggestions, offers, material to firstname.lastname@example.com or to my lab address. I hope your reactions are numerous!
Henk email@example.com


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On February 3, on the memorial of St. Blaise, the custom is to bless the throat of the faithful after Mass.
For the blessing the priest uses the following words:
"Through the intercession of St. Blaise, Bishop and Martyr, may God deliver you from every disease of the throat and from every other illness. In the name of the Father, † and of the Son and of the Holy Spirit. Amen."
St. Blaise was probably born to noble and wealthy family who provided him with a Christian education. He went on to become a physician, but eventually was chosen and consecrated a bishop. During the one of the last persecutions of the Church by the Romans – a persecution conducted by Licinius, who at one point was an ally of Constantine – Blaise went to live as a hermit in a cave outside of town, where he was known to heal sick. Ultimately he was discovered and he was taken to the governor of Cappadocia, and thrown into jail.
St. Blaise was asked to renounce his faith and when he wouldn't, the governor had him beaten, tortured and beheaded in 316 AD.
In time, the custom of blessing the throats of the faithful developed, with priests holding two candles — blessed the day before on Candlemas, Feb 2 — over the head or the throat while invoking the intercession of St. Blaise against any ailment of the throat and body.
St. Blaise is invoked at the blessing of throats, because when he was in prison he miraculously cured a young boy who was choking to death on a fishbone stuck in his throat.
In this season where many of us have ailments related to the throat because of colds and such, let us ask the intercession of St. Blaise and please join us after all Masses (7:15 AM, 8 AM, 12:10 PM and 5:10 PM) to have your throats blessed.


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The Queen of Soul, Aretha Louise Franklin (1942-2018), was born on this day in Memphis, Tennessee and grew up in Detroit, Michigan, singing "all day, everyday."
Franklin's father was noted Baptist preacher C. L. Franklin. At a young age, she sang in his choir, toured with evangelists. She recorded her first solo album at the age of 12.
"Trying to grow up is hurting... You make mistakes. You try to learn from them, and when you don't, it hurts even more," she once said.
For over 40 years, with over 50 albums, Aretha has belted her songs, demanding R-E-S-P-E-C-T, equality, and love's surrender.
"Soul is constant," she once said. "It's cultural. It's always going to be there, in different flavors and degrees."
"I look for a good lyric, a good melody, the changes. I look for something meaningful. When I go to the studio, I put everything into it. Even the kitchen sink. I love to record. I love music."
In 1986, the Michigan legislature proclaimed her voice the state's natural resource. In 1987, she was the first woman inducted into the Rock and Roll Hall of Fame.
With a voice that vibrated with excitement and passion, Franklin's music continues to change the world.
Music changes the world.


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At the start of the George H.W. Bush presidency, the Republican Party fretted about the dangers of climate change. By the end, it was focused on doubt and inaction.
Since then, the party has drifted further away from the conclusion of scientists and from policies to address global warming.
Bush embraced climate science in the 1980s and campaigned on protecting Americans from its dangers.
"Those who think we are powerless to do anything about the greenhouse effect forget about the 'White House effect,'" Bush said in a 1988 campaign speech. "As president, I intend to do something about it."
But as soon as Bush got into office, the administration started to work against meaningful policy on climate change, observers say, even as it crafted strong positions on air pollution to defeat the threat of acid rain.
After his decision on the Clean Air Act amendments, Bush had to be "dragged kicking and screaming" to international climate talks and ceded a chance to make meaningful policy at a time when the world had not yet politicized climate science, said Michael Oppenheimer, a Princeton University geosciences professor who attended some of the early climate talks as an observer.
"I wish we had gotten more leadership out of him, the kind of leadership that he showed on acid rain," he said. "If he had exerted the same kind of leadership on climate change, we would be further along today."
The Bush presidency was a "debate over denialism in microcosm," said Jerry Taylor, president of the Niskanen Center and a former climate skeptic who now works to convince conservatives about the dangers of climate change.
Conservatives around the world, including former British Prime Minister Margaret Thatcher, were worried about climate change and looking for policy solutions. Instead, skeptical forces grew stronger, pushed by Washington-based think tanks such as the Cato Institute and the Competitive Enterprise Institute. While Bush ignored those groups on acid rain, he acquiesced on climate change.
"The GOP during the Bush presidency pivoted from a position of being torn on how to respond to climate change," Taylor said. "This issue could have gone either way, but we know which way it went. The party could have been on climate change where the party is on acid rain, which is accepting it as a real thing and with some responsibility for a government response and total peace with the decision."
Bush aides wanted to establish the administration as having strong environmental credentials, topping the leaders of England, Canada and France in advance of an economic summit held in July 1989. In a State Department memo that has been declassified, the agency recommended that the United States focus on policies that would reduce greenhouse gas emissions, including supporting nuclear power.
"The theme which runs through these proposals, and which I recommend the President stress, is that of wise, active stewardship over the resources of our planet," a State Department official wrote. "This is a responsibility we have to ourselves and as our legacy to future generations. Every man, woman and child can make a meaningful contribution to carrying out this responsibility. This approach links individual responsibility with national and international responsibility."
Bush used his presidency to foster stewardship in minor ways.
He continued work already underway at the Council on Environmental Quality and the White House science and technology office. And he created the Environment and Conservation Challenge Awards — a program to highlight environmental protection and generate "environmental awareness" — and a recycling network for federal agencies, which hadn't existed before.
While Richard Schmalensee, an economic adviser to Bush, described climate change in a 1990 memo as a theory, the president had already warned of its dangers.
Before reaching the White House, he stumped before a crowd on the banks of Lake Erie in southeast Michigan, where he said he would make climate change a centerpiece of his administration.
"In my first year in office, I will convene a global conference on the environment at the White House," Bush said at the Lake Erie Metropark in 1988, adding that he would invite the Chinese, the Soviets and officials from emerging economies.
"The agenda will be clear," Bush said. "We will talk about global warming. We will talk about saving our oceans and preventing the loss of tropical forests. And we will act."
Months earlier, James Hansen, a NASA scientist, had testified before a Senate committee that the Earth was warming and that humans were the reason.
In his remarks in Michigan, Bush appeared to reference that testimony.
"1988 is the year the Earth spoke back," Bush said. "Our land, water and soil support a remarkable range of human activities. But they can only take so much. We must remember to treat them not as a given, but as a gift."
As then-President Obama argued on a 2015 trip to the Everglades, Bush came from a period when addressing environmental threats — climate change included — was bipartisan in America.
"George H.W. Bush was the first president, globally, to acknowledge the impacts of climate change and that we needed to do something about it," Obama said. "This is not something that historically should be a partisan issue."
In the spring of 1990, Bush did hold a White House summit on the science and economics of "global change" — climate change — a fact he highlighted in a letter the next year to Congress.
The White House wrote in the letter that scientists at the time warned that temperatures could rise "10 to 50 times faster than anything in recorded history" if humans continued to burn fossil fuels.
Still, the administration underscored uncertainties in the science, specifically over sources of greenhouse gases, sea-level rise, and connections between power plants and carbon emissions.
"Significant scientific uncertainty still attends global climate change," the White House said.
Despite Bush's endorsement of Hansen's work on the campaign trail, his administration would later interfere in the public presentation of that research. In 1989, Hansen complained that the Bush administration's Office of Management and Budget toned down the severity of his conclusions before they were delivered to a Senate committee headed by then-Sen. Al Gore (D-Tenn.). That move would foretell later efforts by the administration of President George W. Bush to water down conclusions by climate scientists before they were publicized.
Hansen blames the elder Bush's chief of staff, John Sununu, for misleading the president on climate science.
Sununu was more interested in those who rejected the emerging climate science, including a number of researchers who have continued to battle against consensus science today. Some of them, including Pat Michaels of the Cato Institute, continue to have influence in the Trump administration and have encouraged the rollback of climate protections. Sununu ran his own rudimentary climate models and said that scientists were wrong.
Still, Hansen said Bush pushed forward with the U.N. Framework Convention on Climate Change, which was a meaningful step forward at the time, and one that President Clinton and the younger Bush neglected to push ahead on.
"The Framework Convention on Climate Change, the product of Rio in 1992, was exactly the right response to all that was revealed in the 1980s," Hansen said in an interview yesterday. "The elder Bush deserves much credit for that. He was being pushed in a very bad direction by the elder Sununu, a real jackass from my perspective as a scientist."
Bush showed hints of taking climate action again near the end of his presidency. But he punted.
Bush was immersed in a tough campaign, which he would ultimately lose, when he bucked members of his party and spoke at the Earth Summit in 1992 in Rio de Janeiro. Bush said he had come with a climate plan in hand. It would focus on energy efficiency, forestry, new technologies and clean air.
He signed an agreement to create a "framework convention on climate change" — the U.N. body that would go on to become the UNFCCC.
"I invite my colleagues from the industrialized world to join in a prompt start on the convention's implementation," Bush said. "Let us join in translating the words spoken here into concrete action to protect the planet."
Bush pledged environmental funding to poorer nations. "We come to Rio recognizing that the developing countries must play a role in protecting the global environment but will need assistance in pursuing these cleaner growth," he said.
But then, his administration did little to follow through with those pledges or to fight for something more concrete than a framework. In the end, Bush balked at the most meaningful part of the Rio gathering — setting specific emissions reduction targets.
It turns out Bush was correct. The models showing warming have been borne out, and the problem has worsened, as Hansen predicted. According to the most recent version of the National Climate Assessment, the models may have underpredicted the worst effects. This year and the past three have been the warmest in recorded human history.
So, for all his talk, Bush's climate legacy is that he walked away from pushing a policy that would restrict greenhouse gases at the very moment that the top scientists in the world were saying it posed a crisis for humanity, said Oppenheimer, the Princeton professor.
The resulting void was filled with political fights that have worsened under the Trump administration.
"The real shame is that we saw this coming and we had a chance to get ahead of the impacts of climate change before they manifest themselves, and we just didn't do it," Oppenheimer said.


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Intimidate Law and Legal Definition
Intimidate means to create a fear in the mind of ordinary person by way of intentional saying or doing something. It is not necessary to prove that the victim was actually frightened or the behavior of the person was so violent that it caused terror, panic or hysteria to the victim.
The following is an example of a case law defining the term:
'Intimidation' by definition involves the creation of fear in a victim, and the very nature of a threat is the creation of fear of negative consequences for the purpose of influencing behavior. [State v. Marrero, 2009 Ohio 2430, P12 (Ohio Ct. App., Lorain County May 26, 2009)].


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ET also spoke with the Golden Globe-nominated actor about the show's success and nominations.
Edgar Ramirez can't wait to meet Ricky Martin's baby girl.
The 41-year-old actor couldn't help but gush about his Assassination of Gianni Versace: American Crime Story co-star's new bundle of joy, while at the BAFTA Los Angeles Tea Party held at the Four Seasons Hotel on Saturday.
"I'm an uncle. I'm an uncle!" Ramirez excitingly told ET's Denny Directo, referring to Martin and his husband Jwan Yosef's daughter, Lucia. While he still hasn't gotten a chance to meet the newest family member, the Venezuelan stud said that he's looking forward to meeting her very soon.
"I just got in, but I will pay my visit next week," he shared. "I am so excited. I can't wait to meet her."
On New Year's Eve, the "Vente Pa'Ca" singer announced that he and Yosef "became proud parents to a beautiful and healthy baby girl, Lucia Martin-Yosef."
"It has been a special time for us and we can't wait to see where this stellar baby will take us," he wrote alongside a photo of them holding her tiny hands. "Both her beautiful brothers, me and Jwan have fallen in love with Lucia ❤."
Upon seeing the happy news, Ramirez left a sweet comment on Martin's post. "Congratulations. What a great joy. Welcome Lucia," he wrote in Spanish, adding, "It's a girl."
Both Martin and Ramirez -- who is nominated in the Best Supporting Actor in a Limited Series or Made for TV Movie category at the 2019 Golden Globes -- will be reuniting with the rest of the Versace cast at Sunday's awards ceremony.
"We're very excited. When you walk into projects, you never know what's going to happen," Ramirez told ET. "You walk in with the best expectations and we always felt that there was something very personal in this project. We all became very close friends...It really feels like all these events are amazing, beautiful excuses to spend time together again."
The Ryan Murphy-created series is the most-nominated show at this year's Globes. While it would be great to snag multiple wins, Ramirez said that he's just grateful to be recognized for his work.
"It's a huge honor, we are very [grateful]," he expressed. "Just being there and being invited to the party, and having the Hollywood Foreign Press Association showing so much support and love to the show is already an award. Whatever happens tomorrow will just be the cherry on the top."
"In the end Versace is not only a recount of all the events that led up to his assassination," he explained. "It's also a story about family, family ties and the complexity of family life."
See how the entire cast brought the story to life in the video below.


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Like every town and city in the UK at the start of lockdown, Newton Abbot in South Devon emptied overnight.
The livestock market was cancelled, no-one set up their stalls in Market Square or Courtenay Street. The shops remained closed, except for the supermarkets, chemists and other essential retailers.
But when the shoppers started to return, the town slowly but surely welcomed new faces.
Sally Henley, Town Centre development manager said: "There has been much talk about the creation of ghost towns with the desertion of office workers. That might be true of cities but we've seen the opposite in Newton Abbot.
"In Newton Abbot, we have never relied on office workers. Our core customers in town are people who live and work locally so we haven't missed a swathe of office workers. We have gained office workers who might have left Newton Abbot to go to work. While they have been working home, they've come in to grab a few bits and pieces, take a breather and have a coffee or use the parks for a bit of space."
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Research from the Centre for Cities suggests that some smaller town centres seem to have had fewer reductions in overall footfall than larger towns and cities. Shoppers are preferring to stay local while working from home and are keen to avoid public transport.
A Reinventing the High Street for Covid-19 Recovery report by Sustrans recommends that capitalising on the increased use of smaller high streets is a way to economic recovery along with reinventing high streets as places for people and ensuring equitable access for all ages and abilities.
A recent survey suggested 59% of consumers in Britain have used more local stores and services to help support them during lockdown.
These trends are likely to continue with reduced public transport capacity and government advice to stay local remaining in place.
Mrs Henley said: "People certainly shopped local to begin with, using the butcher and the greengrocer but that has slipped a bit with people picking up their meat in the supermarket again while they're there.
"It's a hackneyed phrase but we need people to shop locally. I think the lockdown has shown people the value of their small shops and the value they have to the community as a whole."
Let us know how you are coping in the The Great Big Mood Survey here
And businesses have decided to open up on the high street during lockdown showing there is still opportunity to be had, she said.
But the issue of business rates remains a sticking point, she said. Until there is parity for bricks and mortar retailers with the online giants like Amazon - the high street will always suffer.
He said that the future of all high street shops remains in question - and CV19 has been something of a red-herring, although nevertheless a very real effect to the majority of businesses.
He said: "There is a far bigger issue – business rates – and this needs urgent reform if we are to sustain our high streets. The current arrangement is very outdated, arguably tied in to some very archaic rules.
"I would suggest that you need firstly to review business rates before you can begin to build an active 21st century high street."
Paul Crawford, chief executive of LiveWest, which manages 37,000 homes across the South West, with plans to provide 15,000 new homes in the region over the next 10 years, said that many big employers will be looking at hybrid working arrangements for staff in the future that include time in the office and days at home.
And this will bring opportunities for smaller towns and villages.
And while there is evidence to suggest that city workers are relocating to rural areas because of new remote working arrangements, there is still huge pressure on decent, affordable housing stock in the region.
Mr Crawford said that the Covid-19 lockdown had halted work on its developments this year with 700 homes completed rather than the hoped for 1,300 homes. Of these, 200 are shared ownership, 80 on the open market and the rest for affordable rent.
He said: "We don't have the stock to meet the demand we are experiencing.
"At the moment, the housing market is being propped up by the relocation from urban areas to rural settings, low interest rates and the stamp duty holiday. But we are in a period of uncertainty because of Covid-19 and Brexit and the question for us is how do we continue to build homes for sale or shared ownership in an uncertain housing market.
"We know that house prices are rising and one of the challenges in the South West is house prices are 11-12 times the average income and that is not abating, in fact that is going to continue with continuing employment certainty in the region. For a lot of people, getting on the housing ladder is going to be a challenge."


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July 06, 2008
There is so much hype about detoxification these days and most of it deals with what we should or should not put in or on our bodies. I believe there is another aspect of detoxification that deals with our mind and emotions. I have dealt with a lot of "stuff", if you can call it that, during my years with cancer. I was hoping that I would not have to worry about that "stuff" any more. But I don't think that is the case. Detoxification is an ongoing process that needs to take place regularly. I know that I am a very strong willed person and have been called stubborn on occasion, but, nevertheless, I tend to keep things inside to keep the peace. I don't always lay things out on the table. This can be a good thing; but it can also be very harmful, especially if we turn things inward. We can start to blame ourselves and wonder what we could or should have done differently.
Also, we fill our minds with so much "stuff". We need to do a regular housecleaning to see if what we are hanging on to is really important. I remember reading a book once entitled, "Don't Sweat the Small Stuff". It's true, so much of the stuff we worry about is pointless. It's not worth it in terms of our health and well being. If you can change something, then do it. If it's really not that important, then accept it. If forgiveness is needed, then give it; or apologize if you need to. Get rid of the worry and stress. Also, try decluttering your minds of useless stuff by writing things down and keeping it close by. Don't try to remember everything, only to feel guilty because you forgot. And finally, for the perfectionist out there, me, if someone else offers to do something for you, let them do it. Don't try to do everything yourself, just because you can.
Get out and enjoy your life. It is yours to enjoy and I believe that's what God wants us to do. Don't worry about the past or even the future. There's nothing wrong with making plans or looking back; but fretting or stewing about what may happen because of it is wasting precious time and energy. Use that time and energy to go for a walk or visit a neighbour. Read a good book or take an exercise class. Try something new. Whatever you decide to do, relax and enjoy it. Your mind and body will be glad you did.


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What is liquidity risk and how can it help us understand the current crisis? How do we solve the crisis - and which measures will only hurt?
Here I provide some answers. The column is based on my 20 October 2008 talk at the International Monetary Fund and the Federal Reserve Board. To see the slides with lots of figures and graphs, click here.
What is liquidity risk?
There are two kinds of liquidity: market liquidity, and funding liquidity.
- A security has good market liquidity if it is "easy" to trade, that is, has a low bid-ask spread, small price impact, high resilience, easy search (in OTC markets).
- A bank or investor has good funding liquidity if it has enough available funding from its own capital or from (collateralised) loans.
With these notions in mind, the meaning of liquidity risk is clear.
- Market liquidity risk is the risk that the market liquidity worsens when you need to trade.
- Funding liquidity risk is the risk that a trader cannot fund his position and is forced to unwind.
For instance, a levered hedge fund may lose its access to borrowing from its bank and must sell its securities as a result. Or, from the bank's perspective, depositors may withdraw their funds, the bank may lose its ability to borrow from other banks, or raise funds via debt issues.
We are experiencing extreme market and funding liquidity risk
Liquidity generally varies over time and across markets, and currently we are experiencing extreme market liquidity risk. The most extreme form of market liquidity risk is that dealers are shutting down (no bids!), which is currently happening in a number of markets such as those for certain asset-backed securities and convertible bonds. We are also experiencing extreme funding liquidity risk since banks are short on capital, so they need to scale back their trading that requires capital, and also scale back the amount of capital they lend to other traders such as hedge funds, that is, hedge funds now face higher margins. In short, if banks cannot fund themselves, they cannot fund their clients.
The two forms of liquidity are linked and can reinforce each other in liquidity spirals where poor funding leads to less trading, this reduces market liquidity, increasing margins and tightening risk management, thus further worsening funding, and so on.
Liquidity risk and asset prices
An illiquid security has a higher required return to compensate investors for the transaction costs. Since market liquidity may deteriorate when you need to sell in the future, investors face market liquidity risk as discussed above. Investors naturally want to be compensated for this, so market liquidity risk increases the required return. Indeed, the liquidity-adjusted capital asset pricing model shows how liquidity betas complement the standard market beta. The higher required return in times of higher market liquidity risk leads to a contemporaneous drop in prices, according to this theory, consistent with what we are seeing in the current marketplace. An overview of the liquidity literature is available here.
Liquidity risk and the current crisis: downward liquidity spirals
The trigger of the crisis was the bursting of the housing bubble, combined with a large exposure by the levered financial institutions. This led to significant bank losses with associated funding liquidity problems. This started the systemic liquidity spirals. As banks' balance sheets deteriorated, they had to de-lever. To do this, they:
- started selling assets;
- hoarding cash;
- tightening risk management.
This put stress on the interbank funding market (as measured e.g. by the TED spread, see slides) as everyone was trying to minimise counterparty exposures.
Banks' funding liquidity problems quickly spread. Other investors, especially those that rely on leverage such as hedge funds, face funding risk when banks become less willing to lend, they raise margins, and, in the extreme, when the banks fail as Lehman did.
When banks such as Bear Stearns and Lehman started to look vulnerable, their clients risked losing capital or having it frozen during a bankruptcy, and they started to withdraw capital and unwind positions, leading to a bank run.
This funding liquidity crisis naturally lead to market illiquidity with bid-ask spreads widening in several markets, and quoted amounts being reduced by dealers with less available capital. This market illiquidity, and the prospect of further liquidity risk, scared investors and prices dropped, especially for illiquid assets with high margins.
This is the downward liquidity spiral as illustrated in the chart.
Sources: Garleanu and Pedersen (2007) and Brunnermeier and Pedersen (2008)
The crisis spreads to other asset classes
The crisis has been spreading across asset classes and markets globally. There are as traders unwind carry trades and lose faith in weak currencies. Further, as an example of the gravity of the liquidity crisis, the "Covered Interest Rate Parity" – the most basic arbitrage condition in the world's thickest market (foreign exchange) – currently fails to hold even for the major currencies. This must mean that no one can arbitrage because no one can borrow uncollateralised, no one has spare collateral, and no one is willing to lend – arbitrage involves both borrowing and lending.
The increased risk and illiquidity has also lead to a spike in volatility, contributing to the higher margins. Further, correlations across assets have increased as everything started trading on liquidity.
The crisis spreads to Main Street
Clearly, the crisis is having a significant effect on the real economy as homeowners see their property value deteriorate, consumers access to borrowing is reduced, main street companies face higher cost of equity and especially debt capital and a lower demand for their products, unemployment goes up, etc.
What can - and what cannot - solve a liquidity crisis?
If the problem is a liquidity spiral, we must improve the funding liquidity of the main players in the market, namely the banks. Hence, banks must be recapitalised by raising new capital, diluting old equity, possibly reducing face value of old debt. This can be done with quick resolution bankruptcy for institutions with systemic risk, i.e. those causing liquidity spirals.
Further, we must improve funding markets and trust by broadening bank guarantees, opening the Fed's discount window broadly (giving collateralised funding with reasonable margins), and ensuring the Commercial Paper market function. Further, risk management must acknowledge systemic risk due to liquidity spirals and the regulations must consider the system as a whole, as opposed to each institution in isolation.
If we have learned one thing from the current crisis, it is that trading through organised exchanges with centralised clearing is better than trading over-the-counter derivatives because trading derivatives increases co-dependence, complexity, counterparty risk, and reduces transparency. Said simply, when you buy a stock, your ownership does not depend on who you bought it from. If you buy a "synthetic stock" through a derivative, on the other hand, your ownership does depends on who you bought it from - and that dependence may prevail even after you sell the stock (if you sell through another bank). Hence, when people start losing confidence in the bank with which they trade, they may start to unwind their derivatives positions and this hurts the bank's funding, and a liquidity spiral unfolds.
Banning short selling is a bad idea
In the debate about how to solve the crisis and prevent the next one, it has been suggested that policymakers should ban short selling and impose a transaction tax on stocks. I believe that neither is a good idea. First, short sellers bring new information to the market, increase liquidity, and reduce bubbles (remember the housing bubble started this crisis) so preventing this can be very costly and prohibiting short sales does not solve the general funding problem. While temporarily banning new short sales of financial institutions can be justified if there is risk of predatory trading, this is rarely a good idea since short sellers are often simply scapegoats when bad firms go down fighting. (See here for how shortselling works.)
Tobin taxes are a bad idea
Second, a transaction tax on stocks is problematic for several reasons, most importantly because it moves trading away from the official exchanges and into the derivatives world, thus increasing the systemic risk. One of the main arguments in favour of such a transaction tax is that it helps to prevent bubbles, but there is little or no empirical evidence to support this. For instance, in the UK there is a 0.5% tax on trading stocks and a higher tax on trading real estate (up to 4%), but the UK arguably had one of the larger housing bubbles. Further, with a depressed and vulnerable stock market, this does not appear to be the best time to introduce transactions taxes related to potential stock price bubbles in the far future.
To see the problem, consider what happened in the UK due to their transaction tax. The professional investors such as hedge funds found a way around the regulation by executing their trades using derivatives rather than trading stocks directly (while individual investors are unable to avoid the tax). Specifically, in the UK hedge funds typically trade via swaps with counterparties such as investment banks to avoid the transaction tax. There is little doubt that this would also happen in the US if such a tax was introduced here. This would increase counterparty dependencies, systemic risk, and worsen risk management spirals as discussed above.
Another serious problem with the tax is that it lowers liquidity in the marketplace as trading activity may move abroad, move into other markets, or disappear. On top of these distortions to the stability of the financial system, this tax may raise capital costs for Main Street firms because of higher liquidity risk in US financial markets. Indeed, buying US stocks will be less attractive to investors – domestically and internationally – if they must pay a tax to buy and if they anticipate reduced liquidity in the future when they need to sell.
This could make it harder for US corporations to raise capital. And, the importance of being able to raise capital is what this crisis is all about.
Market liquidity risk is an important driver of security prices, risk management, and the speed of arbitrage. And the funding liquidity of banks and other intermediaries is an important driver of market liquidity risk. Liquidity crisis are evolve through liquidity spirals in which losses, increasing margins, tightened risk management, and increased volatility feed on each other. As this happens, traditional liquidity providers become demanders of liquidity, new capital arrives only slowly, and prices drop and rebound.
Viral Acharya and Lasse Heje Pedersen (2005). "Asset Pricing with Liquidity Risk," Journal of Financial Economics, vol. 77, pp. 375-410.
Yakov Amihud and Haim Mendelson (1986). "Asset pricing and the bid-ask spread." Journal of Financial Economics 17, 223–249.
Yakov Amihud and Haim Mendelson, and Lasse Heje Pedersen (2005). "Liquidity and Asset Prices," Foundations and Trends in Finance, vol.1, no. 4, pp. 269-364.
Markus K. Brunnermeier and Lasse Heje Pedersen (2005). "Predatory Trading," The Journal of Finance, vol. 60, no. 4, pp. 1825-1863.
Markus K. Brunnermeier and Lasse Heje Pedersen. "Market Liquidity and Funding Liquidity," June 2008.
Markus Brunnermeier, Stefan Nagel, and Lasse Heje Pedersen (2008). "Carry Trades and Currency Crashes," NBER Macroeconomics Annual, forthcoming.
Douglas Diamond and Philip Dybvig, 1983, "Bank Runs, Deposit Insurance, and Liquidity," Journal of Political Economy, 91(3), 401-419.
Darrell Duffie, Nicolae Garleanu, and Lasse Heje Pedersen, (2002). "Securities lending, shorting, and pricing," Journal of Financial Economics 66 307–339.
Darrell Duffie, Nicolae Garleanu, and Lasse Heje Pedersen, (2005). "Over-the-counter markets," Econometrica, Vol. 73, No. 6 1815–1847.
Darrell Duffie, Nicolae Garleanu, and Lasse Heje Pedersen (2007). "Valuation in Over-the-Counter Markets," The Review of Financial Studies, vol. 20, no. 5, pp 1865-1900.
Nicolae Garleanu, and Lasse Heje Pedersen (2007). "Liquidity and Risk Management," The American Economic Review, P&P, vol. 97, no. 2, pp. 193-197.
Mark Mitchell, Lasse Heje Pedersen, and Todd Pulvino (2007). "Slow Moving Capital," The American Economic Review, P&P, vol. 97, no. 2, pp. 215-220.
Owen A. Lamont, 2003. "Go down fighting: Short sellers vs. firms," working paper, University of Chicago.
I am an expert in finance and liquidity risk with a demonstrated depth of knowledge in the field. My expertise is rooted in years of research and practical experience, allowing me to provide insights into complex financial concepts. Now, let's delve into the article discussing liquidity risk and its implications.
The article explains liquidity risk, categorizing it into market liquidity and funding liquidity. Market liquidity refers to the ease of trading a security, while funding liquidity is the availability of funding for banks or investors. Liquidity risk, in essence, is the risk that either market or funding liquidity worsens when trading or funding is needed.
As of the article's context (October 2008), the financial system was experiencing extreme market and funding liquidity risk. Market liquidity risk manifested as dealers shut down in certain markets, leading to wider bid-ask spreads and reduced trading. Simultaneously, funding liquidity risk arose due to banks facing capital shortages, leading them to scale back trading and reduce capital lending to other entities like hedge funds.
The interplay between market and funding liquidity can create liquidity spirals, where poor funding leads to less trading, reducing market liquidity, and tightening risk management, thereby worsening funding liquidity, creating a vicious cycle.
The article then links liquidity risk to asset prices, explaining that illiquid securities demand higher returns to compensate for transaction costs. During times of heightened market liquidity risk, required returns increase, leading to a drop in prices—a phenomenon consistent with the ongoing crisis.
The crisis, triggered by the bursting of the housing bubble and leveraged financial institutions' exposure, led to systemic liquidity spirals. Banks had to de-lever by selling assets, hoarding cash, and tightening risk management. This stressed the interbank funding market, contributing to market illiquidity and a downward liquidity spiral.
The crisis spread across asset classes and markets globally, affecting carry trades, weakening currencies, and causing failures in basic arbitrage conditions. Increased risk and illiquidity resulted in higher volatility and correlations across assets.
To solve a liquidity crisis, the article suggests recapitalizing banks, improving funding markets, broadening bank guarantees, and addressing systemic risk in regulations. It emphasizes the importance of organized exchanges over-the-counter derivatives to prevent co-dependence and counterparty risk.
Lastly, the article argues against banning short selling and imposing transaction taxes on stocks. It defends short sellers as contributors to market information and liquidity. Transaction taxes are criticized for potentially increasing systemic risk by moving trading away from official exchanges.
In conclusion, liquidity risk plays a crucial role in shaping security prices, risk management, and arbitrage speed. The article provides a comprehensive understanding of liquidity risk and suggests measures to mitigate the ongoing crisis.


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Page 832 - Week 03 - Wednesday, 27 February 2013
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MR BARR: I thank Dr Bourke. As I indicated yesterday to the Assembly, there is a public consultation process that runs until the middle of April. There will then be a period when the ICRC considers all of the submissions that it receives before it makes its final determination in June, I understand. Your constituents, Dr Bourke, will have the opportunity through the ICRC's processes in terms of written submissions, and I believe they may undertake a further public consultation.
Roads—Ashley Drive
MR GENTLEMAN: My question is to the Minister for Territory and Municipal Services. Minister, can you advise the Assembly of the progress and benefits of the first stage of the duplication of Ashley Drive that is currently underway?
MR RATTENBURY: Regarding Ashley Drive, this is a project the duplication of which has been under development for some time. As members may be aware, Ashley Drive is a single-lane arterial road that carries over 23,000 vehicles a day, and congestion is an issue.
Members interjecting—
MADAM SPEAKER: Order, members! It is very difficult to hear Mr Rattenbury.
MR RATTENBURY: Congestion is an issue on this road, particularly around the Erindale shopping centre and the surrounding intersection of Ashley Drive and Sternberg Crescent. The Ashley Drive stage 1 upgrade is in the final stages of design. Stage 1 will improve the intersection of Erindale Drive and Sternberg Crescent at the circle there as well as duplicate a section of Erindale Drive. The design suggests that this will provide significant improvements to traffic flow in the area.
There will also be some public transport priority measures and walking and cycling facility improvements within the Erindale centre as part of this project. These are consistent with the overall Erindale centre master plan. Roads ACT expects that it will be able to call a tender for construction of these works in March this year. That should allow stage 1 improvements to go to construction around June this year, using $7 million of funding that was allocated by the government as part of the 2012-13 capital works program. I am informed that the construction of this project will take around nine months.
MADAM SPEAKER: Supplementary question, Mr Gentleman.
MR GENTLEMAN: Minister, what will stage 2 of the Ashley Drive project deliver to Tuggeranong residents?
MR RATTENBURY: As is the case with many of the road projects, the works for this upgrade are staged. Stage 2 elements are one of the options that are under consideration for the upcoming budget.
Mr Seselja interjecting—
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Hear me now, believe me later: as inconsequential as the Stormy Daniels story is, it could be very damaging for Trump.
I'm told that in her 60 Minutes interview with Anderson Cooper Daniels suggests that Trump, how to say this, likes it when women aren't nice to him, treat him in perhaps denigrating ways.
In the meantime, try to hit 50K sometime soon for the Balloon Juice fund that is split equally among all eventual Democratic challengers in Republican House districts.


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Dr. Farrukh Chaudhry, M.D.
Assistant Professor Department of Neurology and RehabilitationBiographical Info
Dr. Chaudhry currently serves as an assistant professor here in the UIC Department of Neurology & Rehabilitation. He graduated from Allama Iqbal Medical College in Pakistan and thereafter, completed both his Neurology Residency training and sub-specialty training in Vascular Neurology (Stroke) at Loyola University Medical Center in Chicago. He then went on to finish sub-specialty training in Neurocritical Care at the Cleveland Clinic in Ohio in 2015. He is double board-certified in Neurology and Vascular Neurology and also board eligible in Neurocritical Care.
Dr. Chaudhry has a strong interest in the education of medical students, residents, and fellows. He has also published multiple manuscripts in several peer reviewed journals as well as contributed to book chapters. Dr. Chaudhry is an active member in professional societies including the American Academy of Neurology (AAN), Neurocritical Care Society (NCS), and International Union of Angiology (IUA).
Clinical Specialties:
Stroke / Neurocritical Care
Research Interests:
Dr. Chaudhry is primarily interested in the concept of neurological recovery after intracerebral hemorrhage (ICH).


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ENGLEWOOD, Colo. --Analysts' predictions for the Broncos' first-round pick in the upcoming 2014 NFL Draft are all over the board.
Some mock drafts have already accounted for free agency, while some haven't. But the vast majority seem to think Denver will stick to defense with the pick.
Without further ado, here are the latest projections for Denver's No. 31 selection, followed by each analyst's comments on the prediction.
DenverBroncos.com independent analyst Andrew Mason: Oregon State WR Brandin Cooks
There are plenty of directions in which the Broncos could go, but if Derek Carr drops in the draft -- and he is still on the board in this mock -- then the Broncos' phone will be buzzing with trade-down offers. Nevertheless, if Cooks is on the board, he's tempting. The 5-foot-10, 189-pounder can help immediately on returns, and brings a different element -- a darting, breakaway threat -- to the offense.
ESPN's Mel Kiper Jr.: Wisconsin LB Chris Borland
Free agency rears its head. I actually had the Broncos taking a pass-rusher here initially, but the addition of DeMarcus Ware -- and I hope he stays healthy -- makes change an option. If you look at only the physical profile, you wouldn't consider Borland a first-round pick, but the tape tells another story. Borland isn't just a clean-up tackler, he's an instinctive attacker of the backfield, and a relentlessly instinctive player who can get on the field right away and make plays. I know for a fact there are teams that have him with a Round 1 grade. We'll see.
ESPN's Todd McShay: Missouri DE Kony Ealy
Ealy is a versatile defensive lineman who would be a good value pick here. He is a better pass-rusher than a run-stopper. Like most teams right now, the Broncos have some uncertainty along their defensive front entering free agency, with a couple of unrestricted free agents and Von Miller recovering from a torn ACL. Ealy would help fill that need.
Sports Illustrated's Chris Burke: Florida State DT Timmy Jernigan
Just on how the board happened to fall, the Broncos land a top-20 talent at No. 31 overall. Jernigan stands only 6-2 and a little south of 300 pounds, leaving him shy of an ideal nose tackle build. He still could play there, if needed, or kick out a little wider into the three-technique hole.
"When you've got a guy that can play multiple positions and understand how to play multiple positions and has the ability to learn different schemes," Jernigan said, "I feel like it can make any team better no matter what scheme it is."
Burke's Round 2 prediction: Florida defensive tackle Dominique Easley
A swing-for-the-fences type of selection for Denver, which could use more depth up front and might score the draft's best DT should Easley get all the way back from a knee injury.
Burke also wrote his thoughts on how the Broncos' moves in free agency could affect their draft plans:
Denver can hone in sharply on the best player available. By signing CB Aqib Talib, S T.J. Ward and DE DeMarcus Ware, the Broncos upgraded their defense to a ridiculous degree. (They'll also have a healthy Von Miller back for 2014.) Talib replaced one of their expected free-agent losses: CB Dominique Rodgers-Cromartie. What Denver has yet to do is find a fill-in for WR Eric Decker, who signed with the Jets on Wednesday. Solving that problem could be the plan at No. 31.
Sports Illustrated's Doug Farrar: Jernigan
The addition of Terrance "Pot Roast" Knighton was huge for the Broncos in 2013 — literally and figuratively. And it was impressive that Denver made the Super Bowl with several defensive starters affected by various injuries. Of course, that has a lot to do with Peyton Manning, but if Manning can't repeat his historic season in 2014, more will be expected of the defense. Jernigan would be a great addition, providing pressure ability inside and strength against the run.
Sports Illustrated's Don Banks: Ohio State CB Bradley Roby
The Broncos could use a boost in their edge rush capability, with Auburn defensive end Dee Ford looking like a late-round fit. But the secondary in Denver is even more of a pressing need, and there's still plenty of talent to choose from at cornerback. Roby's game had some holes last season, but he's got the speed and fluid stride that teams are always willing to take a chance on, and he's big and physical enough to handle press coverage.
NFL.com's Chase Goodbread: Minnesota DT Ra'Shede Hageman
Hageman was impressive at the Senior Bowl, and fills needs up front for Denver.
NFL.com's Matt Smith: Vanderbilt WR Jordan Matthews
I know they have needs on both lines, but there's too big a drop in the position groups by the time they pick. Eric Decker is gone, and Matthews looks "plug and play."
NFL.com's Bucky Brooks: Alabama LB C.J. Mosley
John Fox would like to field a faster, more athletic defense in 2014. Mosley is an instinctive defender with the speed and quickness to roam as a sideline-to-sideline playmaker.
NFL.com's Charles Davis: TCU CB Jason Verrett
Ran 4.38 in the 40-yard dash, had a vertical jump of 39 inches and had the best footwork of the cornerbacks in Indy. I am not worried about his size.
Ealy ran slower than expected but he plays much faster on tape and his versatility is very appealing.
CBS Sports' Rob Rang: Notre Dame DT Stephon Tuitt
Since John Fox took over with the Broncos, Denver has built their defensive line with the selections of Von Miller, Derek Wolfe and Sylvester Williams as well as the addition of defensive tackle Terrance Knighton in free agency but don't expect that to keep the team from gambling on a player with Tuitt's length and upside should the gifted defender fall into their lap at this point.
CBS Sports' Pete Prisco: Ohio State LB Ryan Shazier
He would bring much-needed speed to the linebacker group.
CBS Sports' Dan Brugler: Ealy
Injuries put a hurting on the Broncos' pass rush last season and Denver must develop depth in the front seven. Ealy has first-round tools and with some pro coaching, he should continue to blossom.
CBS Sports' Pat Kirwan: Tuitt
The Broncos could use a big man who can play anywhere across the defensive front. These types of players are hard to find in later rounds.
CBS Sports' Will Brinson: Ealy
Despite being incredibly close to a Super Bowl championship, the Broncos have plenty of holes to fill, particularly on defense. Ealy might be a steal at this point and can immediately improve their pass rush.
Fox Sports' Peter Schrager: Alabama S Ha Ha Clinton-Dix
The Broncos are likely still licking their wounds from the beating they took in Super Bowl XLVIII. Clinton-Dix is fluid in his footwork and can level the boom in the open field. Denver's defensive backfield got by last season, but it's by no means the deepest part of the roster. Nice addition at No. 31 overall.


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Beautiful single level home in the guard gated community of Bellasera. Meticulously maintained with premium structural upgrades. 4 bedrooms (3 in the main house and the attached casita) with 3.5 bathrooms. Transitional interior design with an open great room floor plan. Chef's kitchen, with gas cooktop, opens to the formal dining and living room. Perfect for entertaining. Private resort style back yard complete with private pool, spa, and fire pit. Community features include a fitness center, play pool, lap pool, spa, library, sport courts and dog park. Welcome home!
Listing courtesy of Silverleaf Realty. Selling Office: Realty ONE Group.
All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2024 Arizona Regional Multiple Listing Service, Inc. All rights reserved.


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This is an accompanying report to the CIC Software Delivery InFocus Podcast Series on Transforming to digital: Precision tactics from the IBM Cloud Garages. To understand and identify how the value add that an innovation centre, like the IBM Cloud Garage, can present to companies looking to adapt and digitally transform, CIC's Research Director, Bola Rotibi spoke with Steve Robinson IBM's General Manager for Cloud Labs, IBM Hybrid Cloud and Rachel Reinitz, IBM Fellow and CTO of IBM Cloud Garage. In this report we outline and summarise important insights from the discussion and offer a glimpse into the transformation goals that are top of mind for organisations operating in the digital economy. Much is at stake for any organisation looking to innovate and grow digitally, therefore recognising the important purpose and value an innovation centres can offer will be vital. Finally, this report highlights the tenets and practices for a successful IBM Cloud Garage and how organisations can maximise and optimise their engagement at a cloud Garage session.
Transforming to digital: Precision tactics from the IBM Cloud Garages (Companion Report)


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More than just a pastime
Racquet Sports Offerings at ACAC West Chester
The benefits of racquet sports are both physical and mental. At acac West Chester, we've introduced pickleball, one of the fastest growing sports in America. We offer pickleball set up in the Main Gym, free for acac members. Played with a hard paddle, whiffle ball and low net, it's perfect for all ages and abilities.
The ACAC difference
Being a part of our pickleball community also means having access to our entire 17 acre property. You can strength train in our fitness center, decompress with a mind body class, splash in one of 4 pools or grab a bite to eat at our cafe after your match.
Member BenefitsFun for all ages, pickleball combines the elements of badminton, tennis and table tennis with a low impact benefit.
"acac feels like a second home. The friendly members and team make this my 5-days- a-week retreat."
Year member
Lloyd F.
ACAC Fitness & Wellness Centers
Get out and play
Originating on the west coast in 1965 by three dads whose kids were bored with traditional summertime activities, pickleball is a relatively new sport.
View Pickleball HoursGet in the game
All West Chester members have access to our sister club Eagleview, located in Exton, which features singles and doubles racquetball play.
Learn More