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These days we can't complain concerning the lack of products in stores. Literally, everyplace we would like and every time we want – we've countless sensible products. What's more – if we have a tendency to can't find one thing within the shop, we will perpetually intercommunicate searching on the internet! There we also have a good selection. However, if we have a tendency to favor to have our own individual vogue, if we tend to are probing for something a lot of attention-grabbing for us we will always start a handicraft.
wool craft
Why handmade home decors are better?
For laymen, initially sight such a job seems boring and monotonous. Maybe in somebody's imagination is appearing older girls knitting and knitting sweaters for his or her granddaughters currently…
Nothing a lot of wrong! handcrafted is a actually fascinating and interesting issue. The scope of such activities is very wide, if we have a tendency to don't wish to embroidery or stitching, then we are able to take care of creating jewellery or making various home accessories. And that's the point of this text.
handmade pillows
Pillows, rugs and alternative decorations for home – why you ought to strive.
Recognition of others, and sometimes the financial backing – is samples of benefits from handsewn decorations. If we tend to use our own ideas for our projects, we will actually realize individuals willing to order such items from us. It's so exciting!
We can:
•sell our handicraft at on-line auctions
•we have chance to rent atiny low place at a close-by market
•we can just be happy with our arts in home, sweet home.
Choice is yours – but imagination – with none borders!
Hand Made – these two words can really hide everything what we are able to treat hand and this can be: article of clothing, jewellery and accessories. But in the main favorite one for home are:
•lovely pillows
•fantastic rugs
•interesting flower pots
•amazing cups
So you'll be able to begin in this field with the design of home decorations. Lots of people start with decoupage technique to brighten several vases, bottles and plates. Then you can strive stitching by patchwork methodology and finally making jewelry.
Unique pillows can change every space. Decorators of residential interiors marvel splendidly that the devil is within the details. In recent years it has been observed that journeyman points are beginning to enjoy increasing interest. Many people select unique bed covers and hand-made pillows, though they're far more dear than similar decorations on the market in online stores.
A large group people attempt to produce self-contained objects with their own. This is often a perfect way to develop your creative thinking and your imagination. Thus please don't waste your time anymore – now's the moment to undertake your talent to create one thing beautiful!


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File under: "Completely Shocking!"
Stephanie Anderson, a Biggest Loser fan favorite from Season 9, has announced that she is divorcing Sam Poueu, her husband of just over a year! The couple met on the Biggest Loser Ranch and are expecting their first child together in a couple of months!
"It is with great sadness that my marriage to Sam Poueu is ending," Stephanie told Us Weekly in a statement today. "Thank you in advance for respecting our privacy during this difficult time."

subset: commoncrawl


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Our eyes do so much more than see far-away scenes and close up-objects. The eyes work along with the brain to receive and process incoming light and images into the things we see. They work as a team, converting two separate pictures into one image. This process is called binocular vision.
When your eyes don't work together in perfect unison, this condition is called binocular vision dysfunction or BVD. It not only affects your vision but can also hamper other aspects of your life. Read on as Annapolis, MD vision therapy optometrist discusses BVD and the ways it can impact your everyday life.
Eye alignment plays a central role in determining how well two eyes work together. When this alignment is off just a little bit, binocular vision dysfunction is present.
Instead of transmitting a single image, your eyes send two slightly different images to your brain when they're misaligned. When this happens, your brain responds by forcing your eye muscles to work harder to realign the images. While this works in the short term, it doesn't correct the underlying problem.
The extra work your eyes have to do takes a toll, causing a range of other uncomfortable symptoms, including:
Standard vision tests measure visual acuity or how clearly you see close up and far away. Unfortunately, these tests don't measure functional aspects of vision, like binocular vision dysfunction. Consequently, many people may struggle with symptoms of BVD and not know it.
Symptoms of binocular vision dysfunction vary from person to person and can have widespread effects, including:
Keep in mind that many of the above symptoms may be caused by other health problems. On the other hand, testing for binocular vision syndrome isn't commonplace, and many people have been misdiagnosed as a result.
If you have more questions or wish to schedule a consultation, please feel free to call our Annapolis, MD vision therapy optometry office today.


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Adult Term Course
From Image To Video
Tuesday Evenings – Term 1 2016
From photographic phantoms to the spinning zoetrope, film reels and pixels: we are fascinated by and respond to still and moving images.
Image to Video is a 10 week course designed to equip you with the basic know-how of planning, recording and editing still, stop-motion and cinematographic projects. With a focus on accessible hand-held devices such as the iphone/smartphone and ipad, utilising free software downloadable to your device, this course will help you realise ideas from image to video.
Bring an open mind, a device as mentioned above, a few ideas and an experimental eye.
- This event has passed.


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Stay up to date on the latest projects, news, and happenings in our city by subscribing to our quarterly e-newsletter.
Office of the Governor
Business Category: Economic Development Partners
The Governor's Business and Community Development Division pursues business expansion and relocation with the goal of developing job creation and export opportunities for Texas. Comprised of three areas, this division is made up of the Department of Strategic Business Development, Department of Business Assistance and the Office Economic Development Finance.


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by Darcey Gosling, 23 Jul, 2016
Teresa Giudice's oldest daughter Gia Giudice is all set to enter Hollywood and follow the path of her mother. The Beautiful daughter of Joe Giudice and Teresa Giudice is very excited to be a part of Hollywood as it was her dream to be a wonderful actress just like her mother. The Guidice family went through so much over the past few years and Gia has now grown up on the Real Housewives of New Jersey through it all.
Gia has always been a hip-hop dancer, a gymnast and also trying her hand at cheerleading. The girl is clearly athletic. Gia's mom is trying so much of effort to enter her beautiful daughter in the acting profession. She put her in few photo shoots to get her in modeling and acting as well. With the gorgeous look and natural acting talent gifted by her mom Gia surely has a future in the industry.
The upcoming star went through a lot in past few years because of her parents as they both were sentenced to jail. It was obviously clear that for the duration of her parent's time away, she had to step into a makeshift mother role, nurturing her younger sisters Gabriella, Audriana, and Milania. It was something that no girl, especially in her teenage, would prefer to do it. However, now when her mom has returned from the prison it's time Gia to live her life according to her desire again.
Gia who has just turned 15 said that she turns her mother fashion tips and she herself is also very fashionable was well. She has already shown her acting ability in the Real Housewives of New Jersey and it is just the beginning for her.
A photo posted by Gia Giudice (@_giagiudice) on Jul 17, 2016 at 3:43pm PDT
According to her Instagram, her agency is Xist Talent Agency and she might soon be cast in a movie as well. She is too young to earn a lot, however, the net worth of Teresa is estimated at $11 million dollars. People are desperately waiting for her to shine in the acting profession just like her mother.
Teresa Giudice was born in May 18, 1972 who is professionally working as a cast member in the Americ....


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New! Charlie Krackeler Presents now offers NMLS-approved mortgage pre-licensing and continuing education courses for Mortgage Loan Officers! 20% off all courses through 11/30. Save now >
This new edition addresses the changes in the appraisal industry, their impact on real estate transactions, and their practical application for appraisers, real estate professionals, lenders and consumers.
CONTENTS: Importance and Purposes of Appraisals – Nature and Characteristics of Property and Value – Principles Controlling Real Estate Value – Economic Analysis – The Appraisal Process – Considerations in Site Analysis – Fundamentals of Site Evaluation – Construction Methods and Materials – Architectural Styles and Utility – Cost Approach vs Replacement Cost – Cost Approach: Accrued Depreciation Analysis – Sales Comparison, or Market Data Approach – Income Approach: Income Expense Analysis – Income Approach: Capitalization Theory and Techniques – Reconciliation and Final Value Estimate Appraisal Statistical Concepts – Writing the Report – Computerization of the Appraisal Process – Considerations in Appraising Other Types of Single-Family Residences – Special Purpose Appraising – Professional Opportunities in Real Estate Appraising – License and State Examination Requirements, Lender Appraisal Guidelines, and Common Errors and Omissions – Appendix, Glossary, Index
Course delivery: | Online |


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Your ambitions are highlighted and a go-getting attitude serves you well, sometimes with instant results. A victory will be yours, but you could ruffle a boss's feathers.Stick to your guns and you'll transform many areas of life. From the 9th routines run more smoothly and ideas will impress a high-flyer. By the 20th success comes from shared efforts, and realising two heads are better than one has instant advantages.Conversations reveal exactly who is doing most of the work… you'll solve a dilemma brilliantly, and before long even mundane tasks become easier with a dash of creative flair.
Feelings may be intense and this sets up some compelling chemistry….You'll call the shots when deciding how to proceed, so don't miss your chance if you are genuinely interested. An invitation to indulge a romantic fantasy will arrive, but fine gestures don't always have honourable intentions. Keep your own independent goals in sight.


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Grain markets are complex. Selling your grain doesn't have to be.
The fastest, most efficient way to market your grain.
CXN360 gives you all the tools and support you need to connect, assess, identify opportunities, evaluate offers and close the deal.
This is where it all happens.
Know Available Offers.
And Who's Offering.
See current offers, including details about the buyer. Know the price, delivery, and contract details to assess the best combination for your operation. Everything you need to know even if you don't accept the offer.
Set Your Targets.
Better Manage Multiple Offers.
Create your own target prices and simultaneously market grain to multiple buyers at the same time, without risk of overcommitting. Watch the video to see how to create a target.
Simply Choose The Best Deal.
For You.
Easily accept or decline offers via text or online.
Upload documents like grading reports or add notes for the buyer.
Watch the video to learn how CXN360 makes responding to offers simple.
Sell on your terms.
On your time.
You can choose when and how to receive notifications of targets and offers. Via text, online, or both. Watch the video to learn more about your personal settings.
Update Your Inventory.
In Real Time. Anytime.
Manage and track your inventory from field to sale including a comprehensive reporting suite that accountants love.
Analytics made easy.
Get real-time analytics on your transactions, inventory, and audit reporting with comprehensive reporting tools.


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Alimos (Greek: Άλιμος), Latin and older form: Alimus, is a suburb in the south southwestern part of Athens, Greece. Alimos is also known as Kalamaki (Καλαμάκι). Poseidonos Avenue runs in the western part of Alimos. The Hymettus mountain is to the east and is mainly grassland while areas to the north of Argyroupoli are forested. The nearest subway station is at Alexandros Panagoulis station and is also accessed by a tramway which was constructed in the 2000s and opened in 2004. It serves as access with the Attiki Odos (number 63) to the east. Vouliagmenis is to the west. It is located South of Athens, Southeast of Piraeus and Northwest of Sounio. Alimos is located directly north of the old Ellinikon International Airport, which formerly served two entries and several Olympic venues including a basketball arena. The Saronic Gulf is located to its west.
Early in the 20th century the area consisted of farmland, primarily pastures and groves. In the 1940s and the again in the 1970s, urban development and businesses replaced much of the farmland, so that today, much of the area is urbanized. Business is concentrated in the south and along main avenues.
Alimos has schools, a few lyceums, a few gymnasia, banks, a post office and squares (plateies) including Agia Triada square. A marina is situated to the west serving tens of piers with up to 1,100 boats. The depth ranges from 2 to 7 metres.
The first settlements uncovered by archeologists in Alimos date back to the Neolithic period. The excavation site can be found in the region of Ano Kalamaki, right besides Vouliagmenis highway.
In antiquity, Alimos existed as fishing town on the outskirts of the city-state of Athens. Testament to its development during this period are the ruins of a small amphitheater, quite unusual in the ancient world due to its rectangular design. The theater can be found on Ancient Theater Street in Ano (upper) Kalamaki (just a few blocks away from the Neolithic site). It is noteworthy that, while the town is more closely associated with its ties to the sea, as "alimos" in ancient Greek means "belonging to the sea", the main archeological sites are situated at the farthest point of the Municipality from the shoreline.
The most significant historical affiliation of Alimos is that with Thucydides. Thucydides was born in Alimos and is often referred to as "Thucydides the Alimousian".
Historical population
Year | Municipal population | Change | Density |
1981 | 27,036 | - | 2,079.69/km² |
1991 | 32,024 | +4,978/+18.41% | 2,463.38/km² |
Twin cities
Alimos is twinned with the following cities:
- Niš, Serbia
External links
- Mapquest - Alimos, street map not available
Northwest: Palaio Faliro | North: Agios Dimitrios | Northeast: Ilioupoli |
West: Saronic Gulf |
Alimos | East: Alimos |
Southwest: Elliniko | South: Elliniko |
A portion of content for this article is credited to Wikipedia. Content under GNU Free Documentation License(GFDL)


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Man faces attempted murder charge after kidnapping ex-girlfriend at Lowe's
UPDATE: The sheriff's office says that a quick public response led to the discovery of Boudreaux's vehicle in New Iberia.
Boudreaux will be charged with second degree kidnapping, attempted second degree murder, and violation of protective order. He will be booked into the Iberia Parish Jail.
Tignor was transported to a local hospital where she is being treated for her injuries.
NEW IBERIA - The Iberia Parish Sheriff's Office is seeking a woman who was reportedly kidnapped in a Lowe's parking lot Saturday night.
According to the sheriff's office, Pamela Tignor was last seen around 8 p.m. while trying to escape from 40-year-old Bradley Boudreaux's vehicle. Witnesses say they saw Boudreaux forcibly grab Tignor and push her back into his vehicle in the parking lot of the Lowe's on Center Street.
Boudreaux's vehicle was described as a tan 1982 Chevrolet S10 pickup truck. The vehicle has a black hood and the license plate Y212891.
Boudreaux is the ex-boyfriend of Tignor and a restraining order was in place at the time of the kidnapping.
Trending News
Anyone who has seen Pamela Tignor, Bradley Boudreaux, or the vehicle is urged to call the Iberia Parish Sheriff's Office at (337) 369-3711.


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Rust is bad news for your vehicle in several ways.
It's unsightly. It can hurt your vehicle's resale value, and if left unchecked, rust can even damage the structural integrity of your car, truck, or SUV.
But the one silver lining (or should we say orange-colored lining) is that rust can give you a visual indicator of the overall health of your vehicle. If the exterior shows signs of rust, there may also be less visible issues.
Rust is cancer for your car. The harsher the climate you live in, the more likely your vehicle will experience rust.
So, what causes rust? According to How Stuff Works, rust needs an anode, cathode, and electrolyte to form. The metal in your car serves as the anode and the cathode. Water is the missing link. It's an electrolyte, and that's the final piece needed to create the chemical reaction that causes rust. Saltwater makes the problem even worse. That's why parts of the country with high humidity in the summer and the places that use rock salt on icy roads in the winter make cars even more vulnerable to rusty corrosion.
That same salt and water can damage the exterior of your car can damage other parts. Salt can eat through your shocks and struts. It can chew through your brake lines, fuel tank, and other vital components. If you begin to see signs of exterior rust, it's a good idea to get your car to a trusted mechanic to inspect other critical parts.
The good news is that there are many ways you can prevent rust on both the exterior and the undercarriage of your car.
- Wash and wax your car regularly. At least every two weeks is recommended. Washing removes the corrosive elements from contact with your car's metal, and the wax works as rustproof.
- Park your car in a garage or use a vehicle cover, particularly in winter.
- If you drive through sand or on salty roads, rinse the underside of your car with a hose after it has cooled off.
- If you start to see signs of minor rust, address it immediately. It's much easier and less expensive to address before the rust expands.
Keeping your vehicle rust-free increases your car's durability, reliability, and overall lifespan.
Keeping your vehicle running is what we do at Protect My Car. We offer a number of protection plans, built specifically for your vehicle's age and mileage. All at a price that fits your budget. Never be caught off guard again by expensive, unexpected car repair bills with a coverage plan from Protect My Car.


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Murray, who conceived of the concept of the all-conquering McLaren-Honda MP4/4 that won 15 out of 16 races in 1988, explains in an interview with host Peter Windsor for Motorsport.tv's weekly programme The Flying Lap why he doesn't like the similarity of the 2017 F1 cars.
'There's not a lot to say really about the current cars from an aesthetics point of view – I think it's a shame,' said Murray. 'I don't mind the fact that they are totally dominated by aerodynamics as much as I mind that the regulations force them all to look pretty much the same.
'It's the old business of 'put them all in a room and paint them all white and give someone 30 seconds to identify them'. I don't think I could. That's the bit I really don't like.'
Murray believes he was fortunate to have worked in F1 at a time when there was far more diversity between cars, meaning he could create distinctive cars designs such as 1983's Brabham BT52.
'I was in Formula 1 in the 1970s, 1980s and those were the two decades where you had the most freedom, mainly with where you put the major masses in the car," said Murray. 'Once the regulations told you where the driver had to be, the fuel had to be and the powertrain had to be, you're stuck.
'In the early days, you could shift the driver backwards and forwards, fuel [and] engine.' Murray goes on to select his favourite cars and explain how he is as motivated as ever by his design work – as well as explaining his collection of 980 t-shirts.
Source: Motorsport.com


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About Total Health Keto Gummies
Obesity has already become a veritable widespread disease. Actually, a look into a larger crowd is enough to notice this, but official statistics from the Robert Koch Institute show how serious the situation in Germany really is. Around two-thirds of men and just over half of women are overweight. Those affected who have a few extra pounds on their ribs suffer from both social and health consequences.
However, successful weight loss usually requires a change in diet and also a healthy dose of exercise , with diet being the more important factor. But that is exactly what many people find difficult, because of course nobody likes to do without treats, no matter how unhealthy they are.
Click Here To Visit Official Website For Availability And Other Details
It is therefore not surprising that many are looking for aids that will make it easier for them to lose weight. Especially in the last two decades, a large market has developed that offers products for weight loss in abundance, ranging from capsules to powder to shakes. Consumers are literally bombarded with information, which of course makes it difficult to keep track, let alone find a really effective remedy.
Even if all manufacturers spit big tones and claim that their supplement would only make the pounds tumblr, many of the supposed miracle cures do not deliver the successes that they promise. Since most people have neither the time nor the opportunity to find out about the effects of each individual preparation, we are sharing our experience with Total Health Keto Gummies with you today and clarifying in this article,
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Benefits of Total Health Keto Gummies
The Total Health Keto Gummies slimming capsules have a diverse range of effects, which, according to the manufacturer, should make losing weight particularly easy. Unlike many other dietary supplements that are supposed to lead to weight loss, Total Health Keto Gummies can actually have a pronounced effect and that without you having to give up your favorite foods. Furthermore, the capsules consist exclusively of natural ingredients and contain no artificial additives. According to the manufacturer, it should also be completely free of side effects and due to the weight loss, regular intake should lead to a more fulfilling life and a healthier body.
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Who is the supplier of the product?
The capsules are produced by Med One Solutions Ltd. Despite being an English company, Total Health Keto Gummies is made in Germany. The capsules are also shipped from a warehouse in Germany by DHL or UPS, which is why your order should reach you within two to three working days.
What do we like about Total Health Keto Gummies ? – Our rating
Total Health Keto Gummies is characterized by an extraordinary mixture of different ingredients and in this respect differs from the products of the competition. These can all develop different effects and thus promote the reduction of body fat particularly effectively, since the causes of obesity are tackled from several different directions. In this way, the body can be freed from excess kilos, which means that many health problems resulting from being overweight can be avoided in advance.
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What are Total Health Keto Gummies?
Total Health Keto Gummies is a dietary supplement designed to promote weight loss. It consists exclusively of natural active ingredients and has hardly any side effects. Nevertheless, it can reliably help to reduce body fat.
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Devotions from Judy's heart
The other day we unexpectedly received a gift certificate to eat at The Chase in Walker. What a wonderful gift! We are looking forward to going there and using it in the near future. But what if we said thank you and then just left the gift card on the shelf, never to cash in on it? But isn't that what we do with so many gifts God gives us? Of course the most important gift is salvation but there are numerous other gifts as well….peace, rest, joy, wisdom, mercy, grace, hope, love etc. We could have a very long list for the Giver never runs out. But the problem is with our receiving and sometimes we don't recognize that we even "need" the gift at the time. Or maybe we just put off taking the gift until another time, and that time never comes. Like the gift of wisdom…we may think we know best and don't need His wisdom. Or the gift of mercy…we may think we are fine the way we are and don't need forgiveness and mercy. How rich we would be if we were better receivers and were open to the many gifts He giving to us without measure..


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Artémios Ventoúris Roússos ( Αρτέμιος Βεντούρης Ρούσσος ), says Demis Roussos (in Greek: < classτέμης Ρούσσος ), is a Greek musician and singer, born on June 15, 1946 in Alexandria, Egypt and died on January 25, 2015 in Athens.
Before his solo career, he was Aphrodite's Child singer and bassist with Vangelis on keyboards, Silver Koulouris on guitar and Lucas Sideras on drums. He has sold nearly sixty million records worldwide throughout his career.
Artémios Ventoúris Roússos, is the son of Geórgios Roússos, an engineer in a construction company, and his mother, Olga, singer. They are both born in Egypt, but are of Greek and Italian origin respectively. Indeed, the paternal and maternal grandparents of Demis were born in Greece and had joined Egypt in the 1920s. According to Greek custom, the child receives the name of his paternal grandfather: Artémios (of which "Demis Is the diminutive)>.
The young Artémios lives in an orthodox community, in a Muslim country. As a result, it is imbued with Greek and Arabic music. Attracted by singing, he is part of the choir of the Greek Orthodox Church of Alexandria: he sings there for five years as a soloist and, at the same time, he studies music theory and learns to play guitar and trumpet> .


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Central Valley's varsity girls basketball team participated in the Sac-Joaquin Section playoffs for the third year in a row this past week.
The seventeenth-seeded Hawks struggled in the opening half and never recovered in losing 75-58 to the 16th-seeded Falcons of Atwater on the road during Friday's Division-II outbracket game at the Nest.
"We tried our best on the court," Central Valley senior point guard Blanca Espinoza said. "Our shots weren't going in. We missed a lot of free throws. That could have helped us out."
Central Valley amassed an 11-13 overall record and earned a runner-up finish in the Western Athletic Conference standings (7-3).
Atwater improved to 20-7 overall. The Falcons placed third in the Central California Conference (8-4).
"I was confident my team was going to make playoffs again," said Espinoza, whose squad fell short in its quest to win back-to-back conference titles. "We had a strong connection. We worked well together."
Espinoza totaled 14 points, eight assists and two steals against Atwater.
Senior Adriana Haynes tallied 17 points, 13 rebounds, four blocks and three steals.
Senior Adria Robinson collected 16 points, nine rebounds and four assists.
Senior Delores Uti had six points and four rebounds.
Senior Alexis Contreras had five points, four rebounds, three assists and three steals.
Atwater had a balanced attack on offense as 10 different players broke into the scoring column.
Kelsey Valencia and Jasmine Xiong led the way with 17 points apiece.
Alondra Ponce had 13 points.
Lexi Valencia added nine points.
The Hawks shot just 33 percent (22 of 67) from the field and 44 percent (14 of 32) from the free-throw line for the game.
"Everybody is sad," Espinoza said. "It's our last time playing basketball together."
Atwater outscored Central Valley 14-5 in the first quarter on its way to building a 42-23 lead in the opening half.
"Everything worked out for them," Espinoza said. "We could have communicated more. We played better in the second half."
The Hawks had just seven players in uniform versus the Falcons.
Senior Mahogany Simon, junior Rosie Duarte and sophomore Sue Dhillon missed the contest.
"We didn't have our whole team there," Espinoza said. "They were on vacation."
Atwater defeated Central Valley 47-29 in non-conference play on Dec. 6 in Ceres.


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Pursuing regular guys as romantic partners is all the rage for female celebs today. The latest to dip her toe into the trend: Ariana Grande.
According to "Page Six," the 26-year-old singer is dating a cute real-estate agent named Dalton Gomez, previously identified by TMZ as a "rando" she made out with at a Los Angeles bar last month. Though Grande hasn't explicitly confirmed that Gomez is her BF, the man has been making some brief yet obscured appearances on Grande's Instagram Stories, indicating that they're serious enough to be self-quarantining together.
So what do we know about this new man? Well, besides not being a celeb, he reportedly represents multimillion-dollar estates and mansions, and sometimes hangs out with Miley Cyrus — so, you know, he's celeb adjacent. And, though his Instagram is private, TMZ reports that Grande and "several of her friends" are following him.
So, about that video she recently uploaded of her covering Whitney Houston's very romantic song '"I Believe in You and Me," which she posted alongside the caption, "u know i love u boy." Did she have a particular boy in mind?


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After postponing its largest annual fundraiser last year to help prevent spread of the COVID-19 virus, the Farley Foundation is once again holding its annual Fundraise for Farley Month campaign in October. For veterinary clinics, businesses and supporters who are interested in fundraising but are concerned about both time management and staying safe, here are some ideas on how you can hold a successful fundraiser this year.
Raise money online. Raising money online is an easy and safe alternative to in-person fundraisers. The best way to fundraise online is through the Canada Helps website. By creating a fundraiser through the Farley Foundation's giving page, fundraisers can easily collect donations while the platform handles the details, including providing instant tax receipts. To set up a Canada Helps fundraiser, visit the Fundraise for Farley Month Canada Helps page, login or sign up and follow the remaining steps. Facebook has also evolved to incorporate online giving, allowing both individual and business pages to raise money on their pages for charities they're passionate about. By selecting "Add a Donate Button," you can generate donations through your posts, with all proceeds funneled directly to the Farley Foundation.
Get outside. Moving your event outside is a great option to ensure everyone stays safe while having fun. Some great options for outdoor fundraisers include a fun run/walk, an outdoor pet photo shoot, or a car or dog wash. There are many creative ways to host an event outside—just be follow your local public health unit's guidelines, mandate mask-wearing, set up sanitizing stations and maintain social distancing.
Maximize invoices. Whether you own a veterinary clinic or a small business, such as a pet shop or grooming salon, you can use invoices to help raise money. Just like many big-box stores, when it comes time for your client or customer to pay, ask them if they would like to add $5 or $10 to their bill in support of Farley. In exchange for their donation, you can have them sign a Farley paw print to display in your window or you can gift them this year's grocery bag fundraising item stuffed with a bunch of goodies. Request a free fundraising kit.
Stick to the basics. For veterinary clinics, classic fundraisers, such as donating proceeds from pet nail trims, grooming and microchips, are simple and effective, and since clients don't need to be in the room with you, it won't affect your clinic's COVID-19 health and safety protocols. If your clinic has previously had success with these types of fundraisers, try them out again this year. If you run a small business, you can quickly raise funds by donating proceeds from product sales or by running a gift-matching campaign (i.e. for every $1 a customer donates, you'll also contribute $1).
Host a virtual event. Virtual fundraisers, such as online auctions, trivia, paint nights and raffles, are great ways to get numerous people involved without stepping foot into the clinic or after the shop is closed. To spread awareness about your virtual fundraiser, add a special note about it on your invoices, post signs in your store, send an email to clients and customers, post about it on social media, and tell everyone in your network.
Run a low commitment fundraiser. If you're simply too busy to host an event or prepare goodie bags for donors, try implementing a low commitment fundraiser such as an electronic recycling program, 50/50 draw or a bottle and can drive. These types of fundraisers require very minimal time and effort but can garner great results.
Ideas for individuals. You don't need to work in a veterinary hospital or own a business to get involved. There are many individuals who volunteer their personal time to raise money for Fundraise for Farley Month. If you're interested in running an individual fundraiser, consider hosting a yard sale or lemonade stand in support of the foundation. If you have a birthday around the campaign, you can hold a birthday fundraiser through Facebook and ask your family and friends to contribute in lieu of a gift. If you're crafty, you can also try selling your handmade goods through a driveway pop-up shop. The possibilities are endless!
Spread awareness. If you're unable to host a fundraiser, that's OK! There are plenty of other ways that you can support the foundation, such as telling your network about the campaign and how they can contribute, resharing posts about Fundraise for Farley Month events and by donating online. Better yet, if you or your pet have a great social media following, you can help spread awareness through your platforms.
Whatever you choose, don't lose sight of the goal of Fundraise for Farley Month: to help people and pets in need. Regardless of the amount of money you raise, your support will be used to help a beloved companion animal live a happy and healthy life.


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Welcome, By-Godders, to the Shotgun/Throwdown, WVU's best place for sports links, information, sophomoric humor and daily distractions. We're being brought to you today by Telegraph Brewing Company's Winter Ale.
What You May Have Missed:
Superhero Day A Success for WVU - WVU Athletics
WVU women's basketball's Superhero Day proved to be a huge success.
Rifle Ends Regular Season at No. 1 - WVU Athletics
The West Virginia University rifle team enters the postseason ranked No. 1 in this week's College Rifle Coaches Association (CRCA) poll.
WVUsportsBuzz Presented by U.S. Cellular - WVU Athletics
The baseball team begins its season on the road this weekend at Clemson, while the tennis team looks to utilize a three-match winning streak at home. Be sure to watch all of this and more on the WVUsportsBuzz
Mazey Set to Rely on Bats - WVSports.com
"Last year if we scored four runs in a game, we felt good about it. This year if we score four runs per game, we won't feel too good about it because we have so many new pitchers," said Mazey.
March 17 right around the corner - WVU Sports with Mike Casazza
There is a lot of work to start and finish to make sure the Mountaineers aren't playing some home games at Hawley Field this season.
News of Note:
Staten named To Wooden Late Season Top 20 - Charleston Daily Mail
The players on the list are considered strong candidates for the 2015 John R. Wooden Award Presented by Wendy's.
Oh, brother - WVU Sports with Mike Casazza
Huggins and Holton seem to have an understanding of not only what is wrong, but how to go about fixing it.
Big 12 pre-spring position rankings: Wide receiver - ESPN
7. West Virginia
Smith, Tark Once Coached at the Coliseum - WVU Athletics
Hoop icons Smith, Tarkanian once coached games at Coliseum.
In Tark, Mountaineers' 'Huggs' found mentor, friend - Sporting News
West Virginia coach Bob Huggins first met Jerry Tarkanian when he became head coach at Akron in 1984. Huggins was 30 years old.
College basketball loses another great coach - Exponent Telegram
The college basketball coaching fraternity lost two of its most successful members this week and when the media went about painting their picture one was cast as a saint, the other as a sinner.
Kansas State Hangover:
No. 21 West Virginia tops K-State 76-72 - ESPN
Recap, stats, photos, video, etc
Sub Watkins Comes up Big for WVU - WVU Athletics
No. 21 WVU men hold off Kansas State - Charleston Daily Mail
WVU hangs on, beats K-State 76-72 - Charleston Gazette
WVU survives against K-State - Exponent Telegram
Erratic Mountaineers make it interesting with late escape - WV MetroNews
Recap & photos
WVU Holds Off K-State For Needed Win - BGN
WVU downs K-State for 76-72 win - WVSports.com
WVU Blows Big Lead, Hangs On Late for Crucial Win - EerSports
No. 21 Mountaineers hang on to defeat Wildcats late - WVUPros
Mountaineers Get Win Over Kansas State 76-72 - WVillustrated
No joy in Mountaineer-ville after win - Charleston Gazette
Gold & Blue Now: Thursday, Feb. 12 - WV MetroNews
No. 21 West Virginia knocks off Kansas State, 76-72, ends two-game losing streak - Daily Athenaeum
Watkins delivers surprising boost when Mountaineers needed one - WV MetroNews
Winning's the only solace as Huggins ponders 'worst performance in months' - WV MetroNews
Huggins: "Our Worst Performance for Months" - EerSports
Players Not Happy With Performance, Either - EerSports
VIDEO: Players break down WVU's win - BGN
Browne, Paige & Adrian
WVSports.com TV: Basketball Interviews - WVSports.com
Huggs, Staten, Paige, Browne, Carter & Adrian
Photo Gallery I: WVU vs Kansas State - BGN
WVU-KSU Photo Gallery - EerSports
Mountaineers offer Cauthen - EerSports
The four-star recruit is ranked as the nation's No. 13 wide receiver and the No. 2 prospect in North Carolina in the 2017 class by 247Sports.com Composite Rankings.
Men's Soccer Adds Nine for 2015 - WVU Athletics
"My staff did a fantastic job of identifying and essentially sealing that directive with this group of recruits. We've addressed the specific needs and we probably have one or two more that we'll be announcing that will solidify some other roles."
Pro News:
2015 Combine: Alabama's Amari Cooper tops the group of wide receivers - NJ.com
Kevin White, West Virginia, 6-1, 210: "Good, very good, he's strong and he has great hands. He doesn't have great speed, but it's good enough.''
Rams Seem Unlikely to Draft Kevin White at Number 10 - 101Sports.com
In his latest mock draft for ESPN, Todd McShay had the Rams selecting West Virginia wide receiver Kevin White at No. 10.
Around the League (and Beyond):
Could McLane Stadium be world's best? - Waco Tribune
Secret weapon revealed in ISU's loss to Oklahoma - Des Moines Register (autoplay)
Kansas assistant coach Jerrance Howard fined for marijuana offense - Rock Chalk Talk
Men's Hoops Recap - Kansas State 72, (21) West Virginia 76 - Bring On The Cats
DL Coach Hot Board - Crimson And Cream Machine
Let the Hype Train Start Rolling - 2015 OSU Football Pump Up Video - Cowboys Ride For Free
Rick Barnes Picks Up 600th Career Victory as Texas Beats TCU 66-43 - Burnt Orange Nation
Report: TCU Promotes Chad Glasgow, DeMontie Cross to Co-Defensive Coordinators - Frogs O' War
Texas Tech Baseball: Preseason Preview - Viva The Matadors
Video of Interest:
Head men's basketball coach Bob Huggins addressed the media Wednesday night following the team's victory over K-State 76-72.
Video of (Dis)Interest:
A little late with this, but it's still good
Miss Throwdown:
Today's Miss Throwdown is another Brazilian bombshell. CLICK HERE for today's gallery of Julia Pereira.


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Ludlow Joins Shirkeyjerk
by Alphaville Herald on 09/02/07 at 6:10 pm
Hotspur, Glendower, Mortimer and Worcester arguing over the future division of the kingdom at Bangor, in 'Henry IV'. Painting by Henry Fuseli.
Let's see if we can reconstruct what happened. First, there was all the fluff and hyperventilation about Second life having 100k then 1 million then 2 million "residents", followed by much ridicule in the SL Blogosphere. This was followed by Clay Shirkey coming along a year later saying there aren't really that many "residents." To which we said "no shit Sherlock" but of course Clay was then feted as the ubergenius of the new millenium by Dan Hunter and other Eggheads on Terra Nova. This was followed by cries of indignation from the SL Blogosphere and cries of hyper-indignation from Clay Shirkey, and then the heavy guns got involved — as when Henry Jenkins, Beth Coleman and Clay got into a three-way convo about it. Apparently the debate is about played out, because Ludlow is involved now, in part two of an interview on Jenkin's Blog. A few excerpts are below the fold.
on Shirkey's critique of SL:
There was something retro about Clay's critique, and that something is this: it assumes the value and success of Second Life is tied to the number of eyeballs that are converging there. That is, the critique is assuming a push media model of value. But push media is in trouble, and that is the reason that SL is crawling with marketing and PR people — they are trying to come to grips with life after the 30 Second Spot (to steal a line from the title of a book by Second Life resident Joseph Jaffe. Second Life isn't about counting eyeballs, it is about establishing relationships with quality technical, social, and artistic contacts that have a high impact and will continue to do so, learn from them, and then try to engage them in your own projects.
on Jenkin's critique (Yike's Ludlow is quoting Giff! What a Sheep luffer.):
I also have a bone to pick with you regarding something you said in your response to Clay. It is certainly true that Second Life is being hailed as an example of Web 3.0, but no one is claiming that Web 3.0 replaces or even dominates the future of the internet. If you think of Web 1.0 as the commerce web and Web 2.0 as the social web, no one would argue that 2.0 replaces 1.0. This is a point that Giff Constable of the Electric Sheep Company made in response to you and Clay. No one thinks Web 3.0 is going to replace asynchronous communication. It is just something else that is being added to the mix, and it is going to contribute to the commercial and social aspects of the web, but it will also be its own weird thing.
on governance in SL (it can't all be about love):
The problem with governance in Second Life is basically this: the governance model is one where the Lindens are Greek gods up on Mount Olympus. They don't have the time and inclination to deal with the problems of us mortals, but they will dabble from time to time depending upon the whim of the particular god, the kind of day he or she is having, and whether they favor the mortal that petitions them or is involved in some sort of interplayer dispute. That model of governance makes for wonderful Greek tragedies (and comedies!) but it's no way to run a country.


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Dependent-linear type theories may be a functional programmer's dream, but is it categorically interesting, i.e. is it the internal language of an "interesting" category? By "interesting", I mean a category that arises naturally in mathematics or computer science, similar to how intuitionistic type theory is the internal logic of toposes or linear logic is the internal logic of $\mathbf{PShMod}_X$, which is ubiquitous in algebraic geometry. In other words, can we give an interesting and "natural" categorical model of a dependent-linear type theory?
Any (reasonable) flavor of dependent-linear type theory is fine, as long as it has a linear layer and a dependent layer. Examples include Atkey's quantitative type theory and Krishnaswami, Pradic & Benton's dependent-linear calculus (POPL '15).
(Sorry, but I don't know whether this site or MathOverflow would be a better forum for this question. But it seems that I might attract more experts on this site...)


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Andrés Govea (@mij0andres) is a stand-up comedian based in NYC but hails from McAllen, Texas. He was featured in the Brooklyn Comedy Festival, and you can find a bunch of selfies featuring his unfortunately perfect cheekbones on his Twitter and Instagram.
This week, Andrés and I chatted about inappropriate tweets, taking the LSAT, and bullying Taylor Swift stan accounts.
I love to do alternative TV/movie pitches on Twitter. They really give me a giggle. Such classic of mine include Grease But at the End, Sandy Is Bald; Marley & Me But They're Mean to the Dog; and SNL's 'More Cowbell' But They're Italian. Tyra Banks should absolutely make a cycle where the girls have to compete against a very attractive horse. I'd love to see a horse in a CoverGirl commercial. Or at the very least I'd like to see Tyra yell in a horse's face for two minutes. Yay? Neigh?
What made you decide to start doing stand-up?
January 19, 2018. Call Me by Your Name had just been released and everyone was goo-goo gaga over (fake gay) Timothée Chalamet. Meanwhile, YouTube star turned pop sensation Troye Sivan (real gay) was finding notoriety on my personal Spotify playlists. I thought to myself, "Who are these white twinks blowing up my spot?" Chin down, a furrowed brow, and pursed lips on a frail body? Well, mama, that's my thing. Since then I vowed to achieve a higher booking fee than the two combined. Sigh.
Has using Twitter as a platform for your jokes benefitted your comedy in any way?
Not … really. I constantly complain to my friends that I don't get the number of likes I deserve on Twitter. Sure, I do post inappropriate content but, without a doubt, it's funny. I live for the DMs that I receive of: "Andrés you can't do that!" Maybe it's a combination of jealousy and fear of my power, but either way, PLEASE LIKE MY TWEETS!
That day we were celebrating our four-month anniversary and we were in, let's say, an intimate moment. For the life of me, I could not remember my boyfriend's name. Bad, I know! All of sudden, something clicked: I'll call him Daddy! Unfortunately, I thought of that idea two days later :/ We broke up a week later.
It's clear from your tweets that you joke about your sexuality a lot. Do you think your other marginalized identities (Latinx, a Barb) influence your humor at all?
First of all, being gay is absolutely the funniest thing you can do/be. Probably the hardest times I've laughed have been hooking up with my boyfriend in the dead of night. As far as my other marginalized identities — being Latinx, brown, femme, etc. — all of it directly influences my humor. It also influences my way of life, how I look at things, and how I go about my day. That's sort of who I am. LOL. I will say, the most difficult identity I carry is being a Barb (a Nicki stan with the taste of blood). There are so many hayters online that need to be checked and unfortunately, I have to do it. And if that comes in the form of me bullying a Taylor Swift account that has 50 followers, so be it.
I was on my way to brunch when I almost called the white cops on these hooligans. Not my fault — they looked so mean. As I found out later, their owner had left them stranded in Williamsburg. They were on their way to Nevada to find her. I tossed them a quarter and said "Good luck, boys." Poor bastards.*
*I was high when I walked by a stoop sale.
Do you have any ultimate career goals with your stand-up? Or is it more of just doing something you enjoy doing?
Stand-up is a HUGE hobby for me! I'm waiting until I get the courage to take the LSAT. Wait, no. I take that back. Have you seen the blockbuster hit movie, Charlie's Angels 2: Full Throttle? Well, I want to remake that movie but … worse. Drew Barrymore please give me the rights!
So back to you being a Nicki Minaj stan: Anything you wanna say to her? I bet she Googles her name.
Hi Nicki, it's me! I don't think Lil Wayne needed to be in the "Good Form" music video. I hope you're doing well. But bitch, I know you are. Ahhh! ;) I'd love to have you feature on my song, "Writing a Comedy Song Isn't That Hard." I'll send the track, whenever. Love you! Please follow me back. Muah! Signed, one of your sons.
More From This Series
- Bill Schaefer Knows the Difference Between Delis and Bodegas
- Nour Hadidi Refuses to Give a Toronto Poutine Recommendation
- Jessy Morner-Ritt Is Aware of the Ass Rip in Her Leggings


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The Sony A58 replaces two existing models at the entry-level end of its range. Has the consolidation been worth it? We find out in our full Sony A58 review...
Sony A58 Review
Sample Image Gallery
These are just a small selection of sample images from the Sony A58. For a full selection of images, head on over to the Sony A58 sample image gallery.


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Amazon Education is working on a new platform that will allow schools to upload, manage, share, and discover open education resources from a home page that in some ways resembles the one shoppers are accustomed to accessing on the massive online retailer's website.
The new platform, called Amazon Inspire, is in beta testing and is scheduled to be released within the next two to three months, according to Andrew Joseph, the company's vice president of strategic relations. The company is looking for districts to partner with for the testing phase.
Users of the site will be able to add ratings and reviews and receive recommendations based on their previous selections. Educators will be able to curate open resources, self-publish material they have developed, and put a school's entire digital library that is open and freely available online, Joseph said. Amazon Inspire will be made available to schools for free.


text:
Drawing upon over a decade's experience in the weight room, Aron helps people of all ages and abilities to meet and exceed their fitness goals, whether they be to reduce body fat, build muscle, gain an athletic edge, or simply enhance their overall well-being.
Aron is an American Council on Exercise Certified Personal Trainer and a TRX Suspension Training and Spinning instructor.
Aron's TRX class at the University of Arizona Campus Recreation Center as featured on KVOA


text: Here is a masterpiece; a missa brevis merging American hymns and spirituals with traditional liturgy. The unique nature of this work will enable this to be performed in both church and school programs. Available separately: SATB, Listening CD (SATB), Preview CD Pak (SATB), Chamber Orchestra Parts, Chamber Orchestra Score (for SATB), Full Orchestra Parts, Full Orchestra Score (for SATB).


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Until this year, there were no real reference points for how grocery shoppers would respond to a pandemic. While many looked to the 1918 Flu as the last major health event, it was clear that looking back more than 100 years wasn't ideal for predicting the future.
Now though, we have a years' worth of data. And Instacart has recently shared its own data regarding grocery shopping changes over the last year that I never would have imagined having access to even 10 years ago.
The company facilitates online grocery orders by allowing consumers to place an order on the app, and then pairing an independent shopper to collect and usually deliver the items. Because Instacart is set up to operate in various regions, and to allow consumers to order for a variety of stores, their insights offer a uniquely broad view of how things shifted during the pandemic.
Although the data does include the results of a new Instacart survey of 2,038 U.S. adults conducted recently online by The Harris Poll, it also includes shopping data from the app. That means, the industry can see what consumers actually did, rather than what they said they did.
As many following the secretary likely already know, the Harris survey shows that nearly half of all Americans (48 percent) say that they ordered groceries online during the pandemic. But there is so much more to that story.
Instacart's news release about all this pandemic-related data starts at the beginning.
"On the evening of March 19, 2020, the first stay-at-home order in North America was issued in California, setting off a transformation of many of our 100-year-old grocery shopping habits. One of the most notable shifts proved to be America's en masse move from in-store shopping to online grocery. Almost overnight, millions signed up for online grocery delivery to get food on the table safely during a difficult time," the company said. "In a relatively short period of time, the national mood, our relationships, internal clocks, domestic roles, shopping schedules and shopping lists shifted dramatically. In this report, we examine those dynamics and what they may mean for post-pandemic life through the lens of the most universally relatable household task: grocery shopping."
In early spring 2020, consumers still grappled with the unknown as the frightening reality of the pandemic set in. Instacart/Harris Poll survey data reveals that a surge of sadness, uncertainty, and anxiety washed over consumers as they planned their grocery shopping.
Some survey respondents cited anxiety and fear of COVID-19 as a key motivator for shopping online.
"For the first months of the pandemic, myself and members of my family were afraid of physically going into stores so we utilized the delivery of groceries," said one respondent, a 24-year-old male from California
And here is where the Instacart data starts to get especially interesting. The company cites its own chat data, referencing conversations consumers had with the shoppers who were picking up their orders.
"This palpable sense of uncertainty was visible in the Instacart marketplace," the company said. "In March, text chat volume between Instacart customers and their Instacart shoppers increased by a whopping 50 percent. As customers and shoppers texted about adding last-minute items to orders, how to replace out of stock items, and more, we observed several signals for how consumers were feeling."
But wait, there's more. Instacart also saw a spike in the use of one particular emoji in those chats.
"Consumer fear and anxiety were very apparent in the Instacart marketplace as stay-at-home orders and product shortages set in — tellingly, the "scream" emoji experienced the largest upswing in chat usage, ballooning to four times its normal usage," said Laurentia Romaniuk, Instacart's Trend Expert and Senior Product Manager. "However, feelings of fear and uncertainty were paired with and eventually gave way to an overwhelming sense of gratitude toward the essential shoppers picking and delivering their groceries. Use of the word 'grateful' increased across Instacart shopper chats to six times its normal usage and remains much higher than pre-pandemic averages a full twelve months later."
Across the United States, Instacart saw a 13 percent bump in the use of the phrase "thanks" in customer-shopper chat, with MT, ID, WA, OR, CO, NM, MN, MO and PA expressing thanks the most frequently. Meanwhile, states with the lowest frequency of "thanks" are largely clustered in the Southern states.
"With customer-shopper chat trends showing continued elevated use of phrases and emojis that communicate gratitude, we have reason to believe that consumers will retain a deeper sense of gratitude toward Instacart shoppers — perhaps even permanently," Instacart said. "We also expect to see a sustained boost in shopper-customer chat, now that customers have spent a year becoming more accustomed to the benefits of communicating directly with their shopper."
I just wanted to added a quick note here, as someone who has worked in the service industry: Make sure that anytime you find yourself thanking your Instacart shopper, or anyone else on the frontlines of this pandemic, that your "Thanks" is also accompanied by a very large tip, preferably in cash. These are the people who got us through one of the worst years in modern history, and a cash tip is least we can give them.
Shoppers turn to candy for comfort
Next, Instacart offers insights into how consumers shifted their behavior as the months of pandemic life continued. And as many in the confectionery industry already known, many shoppers relied on candy to get through the stressful year.
"As the months marched on and a "new normal" settled in, consumers eagerly embraced the nostalgia, comfort, and joy associated with the holiday season. Homebound consumers began to search online for seasonal comforts — holiday-related searches in 2020 greatly outpaced 2019 numbers," Instacart said.
- Searches for "Halloween candy" grew by 228 percent year-over-year in 2020.
- Year-over-year searches for "Christmas," "Christmas sprinkles," and "Christmas decor" grew by 745 percent, 236 percent, and 622 percent, respectively.
- Searches for "Easter candy" and "plastic Easter eggs" grew by 200 percent and 530 percent respectively year-over-year.
For many, the pandemic had the effect of creating a distorted sense of time, a feeling that likely led to this next piece of data.
Searches for certain holiday items weeks and even months earlier than usual. And, according to the Harris Poll survey data, nearly half of Americans (49 percent) said they had begun planning for the holidays earlier in 2020 than they had in years past.
"Instacart searches for comforting fall favorite 'pumpkin spice' started to spike as early as March 16, 2020, a whopping 15 weeks sooner than the seasonal spikes of 2019 and 2018," Instacart said. "Summer favorites like margarita mixers also trended earlier — 51 percent of 2020 searches for "margarita mix" happened by the first week of June, a nearly 10 percent bump from the year before.
Holiday-related searches followed a similar pattern.
Halloween searches accounted for more than 3 times as much search volume in Sept. 2020, compared to Sept. 2019. While Thanksgiving related searches started earlier than in 2019, volume of searches was steadier than Halloween or Christmas. And 46 percent of 2020 searches for Christmas items happened by the first week of December.
According to the Harris Poll survey data, of the people who indicated that they started their holiday planning earlier this past year, many say it was because it gave them something to look forward to (44 percent), it brought them additional joy when they needed it (35 percent) and that it was a stress reliever (32 percent).
So will holiday planning go back to a normal timeline if we get past COVID-? Instacart doesn't think so.
"Even as the world returns to normal, we anticipate that 2021 consumer interest in holiday essentials will remain high as people plan for the biggest holiday "do-overs" of their lives," the company said. "This past year, more consumers than ever turned to Instacart for their holiday essentials, especially in the face of pandemic-driven postal delays. With retail partners like Best Buy, Dick's Sporting Goods, the Disney Store, and Sephora all joining Instacart in 2020, we expect to see continued growing interest in same-day, non-grocery delivery, whether for gifts or simply for added convenience."
Pandemic spurs more household members to help with grocery shopping
Instacart also found that the profile of the online grocery consumer changed dramatically in the past year.
Notably, older adults started buying groceries online.
"Social distancing rules and COVID-19's outsized effect on older adults have greatly affected who's buying the household's weekly groceries," the company said. "Generational insights collected by Instacart reveal that customers over the age of 60 turned to online grocery last spring in record numbers to get their groceries delivered safely and reliably. Between the first and fourth quarter of 2020, we saw a 9 percent increase in the number of seniors using Instacart — the largest jump within any age group. Widespread adoption by seniors led us to develop Instacart's Senior Support Service, a high-touch support offering designed to help customers over age 60 adopt online grocery during the pandemic. To date, nearly 300,000 seniors have learned how to use Instacart with the help of Instacart's dedicated senior support specialists."
In addition, younger generations and other household members also stepped in to share the domestic load.
"According to the Harris Poll survey data, nearly 3 in 4 Americans who were the primary grocery shopper for their household before the COVID-19 pandemic (74 percent) report that someone in their household has taken on additional grocery shopping responsibilities since the start of the pandemic. In general, Gen Z (ages 18–24) and Millennials (ages 25–40) are even more likely than Gen X (ages 41–56) and Boomers (ages 57–75) to say someone in their household has taken on additional grocery shopping responsibilities (89 percent and 85 percent vs. 71 percent and 62 percent).
As one 22-year-old female survey respondent put it, "I didn't feel comfortable exposing myself when I was staying with my elderly grandparents."
Instacart said that was a common sentiment seen in text chats between Instacart customers and shoppers. Specifically, in the spring, customer mentions of different family members surged.
Post-pandemic, Instacart expects the profile of the online grocery delivery customer to continue expanding to younger and older customers, many of whom spent the last year discovering the convenience and ease of online grocery delivery.
The company also anticipates that seniors, now that they've crossed the digital shopping divide out of necessity, will continue to take advantage of the convenience of Instacart as an easy & accessible way to augment in-store visits.
"Even today as the world slowly starts to open up and more seniors are eligible for vaccines, we continue to see a steady rise in seniors coming online via our Senior Support Service, which has been growing by about 1,000 senior customers daily," the company said.
They also expect to see expanded use cases for Instacart now that the pandemic has opened consumers' eyes to new applications of online grocery delivery, like helping loved ones with grocery shopping from a distance, sending gifts to friends and family, keeping a dorm room stocked with study snacks, or involving older children in meal planning.
Grocery shopping shifts to mid-week activity
Fascinatingly, consumers also shifted which day of the week they were buying groceries on.
"Instacart data indicates that the weekly 90-minute Sunday shop may be loosening its grip on our weekend routines," the company said. "After an upheaval in our daily routines and (for some) a shift toward more flexible work arrangements, customers have been placing a larger share of their orders earlier in the day and on weekdays, a trend that has continued into 2021
The share of orders placed on weekdays grew by 8 percent platform-wide last year. And Instacart orders placed during local working hours (9 a.m. to 5 p.m.) increased by 32 percent in 2020.
"Early 2021 analysis shows us that while some consumers have returned to their weekend ordering habits, a meaningful portion of others are holding onto their new midweek routine," Instacart said. "Many Harris Poll survey respondents cited the convenience of grocery platforms as a key motivator to continue."
Romaniuk explains that online grocery shopping fits seamlessly into the more flexible schedules that the world is moving toward after a collective awakening to the benefits of remote work. And Romaniuk expects this trend to linger after COVID-19 as well.
"Given the trends we're seeing, we expect many consumers to stick with their new mid-week grocery delivery routines, now that they've experienced the flexibility that online platforms like Instacart give them to build and maintain shopping lists throughout the week and easily place an order in between meetings and personal time, to be delivered in as fast as two hours," she explains.
Post pandemic: The future of grocery is fast
While consumer shopping habits will continue to evolve as the world inches closer to "normal," living through more than a year of distanced living, new habits and cultural norms have forever changed how many of us shop. Instacart went from a convenience to a lifeline and has now become a fixture in people's lives.
According to the Harris Poll data of those who bought groceries online during the pandemic, 77 percent indicated they are likely to continue doing so in the future.
Importantly, the past year has also given millions of consumers a taste for the speed and convenience of online grocery, and Instacart data reveals that consumers are hungry for more. Gone are the days of two-day delivery; customers now expect to get their groceries in as fast as two hours — if not much faster.
In an Instacart experiment, when presented with a slate of delivery options including 2-hour or less delivery, 5-hour delivery, and other scheduled options throughout the day, an overwhelming 85 percent of customers opt for delivery in 2 hours or less.
Further, when Instacart looks at smaller grocery orders of 15 items or fewer, customers have an even greater expectation to get their deliveries ASAP.
In the end there, all this data can be quite useful to the candy companies willing to respond to it. The world has indeed changed in the last year. The companies that succeed must change with it.
For all the Instacart insights the company shared, as well as graphs depicting trends, check out the full news release on the Instacart website.


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Chapter One
Dean Wagner slapped his alarm clock when it blared loudly. It silenced immediately, but he didn't get up. He was so tired after tossing and turning all night and knew it was a sign that today would be more difficult than usual. He groaned softly and sat up. Beau snuffled in his sleep, starting to wake up. The Golden Retriever slept sprawled across the empty side of the bed. He liked to cuddle at night and Dean appreciated it. He had never had someone or something to hold while he slept. Lucy, Dean's long-haired calico, slept at the end of the bed. She didn't even open her eyes, convinced it was too early to get out of be
He yawned and rubbed his eyes, looking around. He definitely agreed with Lucy, but he had to get up and move around. The large master bedroom was completely dark and he was tempted to lay back down. Damn, he was so tired. He threw the covers off, grumbling. Spring in Maine was a cold, wet, and muddy time, and he could feel it all in his bum leg.
After a hot shower, his leg felt a bit better and he was fully awake. He headed to the nursery first. Min was almost a year old, and Dean knew he needed to start planning a birthday party soon. "Hey baby boy," Dean whispered. Min was already sitting up and rubbing his eyes. He gripped his brown stuffed rabbit tight and smiled a goofy little smile when he saw Dean.
"Papa," he said, holding his arms and rabbit up. Dean smiled as warmth filled him.
He picked Min up and changed his diaper quickly then dressed him for the day in loose grey pants and a blue and grey shirt covered in bunnies. "Your big brother, Caden, likes to cover you in bunnies, doesn't he?"
"Papa," Min said and gave Dean a wet kiss on his scarred cheek.
"Come on, little charmer," Dean said, picking Min up. He left the nursery and headed for Jake's room next door. The cabin was the nicest home Dean had ever had and he loved it. After his son-in-law finished adding the huge master bedroom and renovating the attic, the house had five bedrooms and three bathrooms. Each of his boys had a bedroom of his own for the first time in their lives.
He knocked on Jake's door, then cracked it open. Jake was thirteen now and insisted on privacy. "Jakey," Dean said softly. "Are you up?"
"Mm-hmm," Jake mumbled from his bed. Dean poked his head in and saw movement. Lola raised her head from where she slept at the foot of the bed. The Beagle yawned and lay her head back down.
"You have thirty minutes to get dressed," Dean said. "Grab a shower first."
Jake pushed his covers back and yawned. His reddish brown hair was a mess atop his head and his blue eyes were sleepy. "Waffles?"
Dean smiled. "If you're ready in thirty minutes, you'll get waffles. If not, you can eat a banana and yogurt on the way to school." He shut the door and went to Jules' room.
Julian was already up, reading a book his best friend, Harry, had lent him. Jules looked just like his older brother, Jackson. His hair was brown, his eyes green, and freckles covered him head to toe. Two fat cats curled up with him, one on each side. The grey and white tabby cat rubbed her head on Jules' knee while the white Persian stared at Dean, silently berating him for interrupting his Jules time.
"Grab a shower in my bathroom, sweetie, and get dressed. Waffles will be ready in thirty minutes," Dean said and stuck his tongue out at Pounce. The Persian just glared back.
"Yummy," Jules said, jumping up. The tabby, Betty, meowed startled by the movement, but made her way to Dean, weaving around his legs. Dean grabbed Jules as the boy sped out the door and kissed the top of his head. "Eww, Papa," Jules said, then grinned. "Love you." He ran toward Dean's room, and Dean made his way upstairs to Jimmy's attic room.
Jimmy was already up too, finishing something on his drawing board. Caden and his brother had fixed the attic up to be an artist's haven with plenty of windows and open space. Jimmy had covered the walls in framed copies of his favorite pieces, from renaissance artists to comic book covers.
"I can't believe you're already up," Dean said, peeking over Jimmy's shoulder. It looked like he was finishing a panel for a new comic book.
"Summer and I want to have the new comic out by the end of the week," Jimmy said, focused on his drawing. James looked just like his papa and his oldest brother, Yeo. Their features showed off their Korean heritage, but the electric blue streaks in Jimmy's black hair were all him.
"Well, you have thirty minutes to get dressed and down to the kitchen if you want waffles for breakfast," Dean said. "Don't forget to shower."
"Okay," Jimmy said, distracted.
"Immy," Min said, reaching out a hand to grab his brother's hair. Jimmy looked away from his drawing and turned around, prying the baby's hand from his hair.
"Mini-boo," Jimmy said, grabbing the baby and giving him kisses. "My sweet Mini-boo." He handed Min back to Dean. "I'll get ready now, Papa."
Dean tickled Min's belly and went back downstairs. "Good boy. That's the way to get them moving." He headed to the kitchen, completely unsurprised that there was a large, African-American man already working on breakfast. Waffles were Ray's specialty and his boys loved them. Dean loved them too.
"Hey," Dean said, yawning. He set Min in his purple hippo baby walker, laughing when the little boy took off. He would definitely be walking soon. He turned back to Ray and watched the man move around the kitchen.
"Did you have nightmares again last night?" Ray plugged in the waffle maker and filled it up with batter.
"Yeah," Dean said. "I only woke up once, though, so I got plenty of sleep." He didn't regret telling Ray about the dreams. Ray was his friend, and Dean trusted him.
"Same thing?"
"Yeah," Dean repeated, sighing. "Same thing." Almost every night, Dean had the same dream. He was back at the farm in Tennessee and his dead husband, Simon, was still alive. Their last fight had been brutal. Simon had held him down and used a broken bottle to open up the scars on Dean's face. Luckily Jackson had taken the kids outside when the alpha first started yelling.
"I know a great therapist, Dean. She could really help you deal with the trauma you lived through."
"I'll think about it," Dean said. It's what he always said, and he really did think about it. He just always dismissed the idea. He didn't want to talk about Simon. He didn't even want to think about the asshole. Not many people had ever believed Dean when he asked for help and those that had didn't care what Simon did. He was the alpha, so he could do what he wanted. He noticed a bright red coat hanging by the door where his old, ratty rain coat used to be. "What's that?"
"You needed a new raincoat, Dean," Ray said. "This one will keep you dry."
Dean picked it up and put it on over his sweater. "It fits perfectly!" He took it off and held it up, looking at the brand. "Outdoor Research? It wasn't expensive, was it?"
"No. Not at all," Ray said, voice going high. He was lying. Dean always knew when the man fibbed. Not that he did it often or over anything important. "You needed it, Dean, and I happened to find it. No big deal."
"You buy us too much," Dean said. After almost a year of daily gifts, he had accepted that Ray was his guardian angel.
"Jimmy needed those new pencils," Ray protested.
"Did Jules really need another hamster? Were two not enough?"
"He loves McCoy," Ray said. "Spock and Kirk needed a friend. They told me so."
"Hearing voices, are you?" Dean watched Min move his walker right behind Ray. "You have a Min behind you."
Ray looked over his shoulder. "Mini-boo," he cooed. "How's my baby boy?"
"Dada," he said, waving at Ray.
Ray's grin lit up the room. "Damn, but I love it when he calls me that."
"I'm sorry," Dean said, wincing. "He isn't old enough to understand and I try all the time to get him to call you Ray." It was even worse when they were all in public. More than once, a young woman had abruptly stopped flirting with Ray when she heard Min call him Dada. Every time, Ray just laughed and kissed the baby's chubby little cheeks.
"I like it," Ray said, shrugging. "Anyway, I'm making bacon and eggs too. It's cold out there and you'll need a warm meal in your belly."
"Thank you, Ray," Dean said, hugging the man around his waist. He set his head against the beta's back. "You make every day so much easier." Dean meant it too. Ray did a lot for them, but simply being there with his wide grin and cheerful personality made Dean's life so much better. He would make some lucky woman a wonderful husband one day.
"I'm going to take care of the beasts, then I'll be back to eat. The boys should be down in about twenty minutes." He forced himself to let Ray go and put on his new coat. "It's so warm!"
"Good," Ray said, pleased. "Don't forget gloves."
"Yeah, yeah," Dean said, pulling his gloves on. He smiled at Ray one more time and headed outdoors. It was still dark outside and nasty. Snow slowly melted, making it wet and cold. He followed the gravel path to the big red barn, smiling like a loon. Damn, but he loved the outdoors, even when it was miserable. There was something about this place that soothed him. It was home.
He opened the door and Jules' miniature pig, Petunia, came running to him along with her brother, Dandy, and her sister, Daisy. The three pigs had free reign of the barn and little nests in one of the stalls. Dean had installed a doggy door for them go outside when they wanted, but the spoiled brats preferred the warm barn. "Hi, cuties," Dean said and took a minute to feed them. If they weren't eating, they'd be right under his feet.
"Moo!" A loud, impatient sound came from the back of the barn.
"Moo, to you too, Miss Swiss," he said, grinning.
The Swiss dairy cow poked her head over her stall door. "Moo!"
"I'm coming," he said, opening her stall door. "Are you ready to be milked, girl?" Miss Swiss' sister poked her head over the wall separating them. She was the quiet, sweet one. "I'll be with you shortly, Brownie."
He milked the two cows and brought the milk to the little kitchen Gramps had insisted be added on when the barn was built. He poured the milk into glass bottles and set them in the sink. Then grabbed his frozen water bottles from the freezer. He set them around the bottles and ran cold water into the sink. His Swiss girls produced a lot of milk, but his boys went through it fast.
While the milk cooled, he fed and checked on the horses and Donkey, then checked for eggs from the chicken coop. He let all the animals out into the pasture and put the cooled bottles of milk in the refrigerator, adding them to the sixteen bottles already there. He grabbed a dozen eggs and two bottles of milk, then headed for the house, saying goodbye to the piggies when he went. He whistled as he limped along the path, pausing to appreciate the beautiful cabin, warm light pouring from the windows.
Beau, Lola, and the cats were fed by the time he got back. The boys were finishing breakfast and he checked the time. "Bus will be here in five minutes guys. Jules, don't forget your science project."
"Oh, yeah," Jules said, stuffing the last bite of bacon in his mouth. He ran to the living room and came back with his lemon powered battery. "Almost forgot." Ray handed him his lunch box and Jules ran out the door with Jake and Jimmy, heading down the driveway.
"Jimmy really needs a car," Ray said. "He could drive the boys to school every morning then."
"He just got his license," Dean said. It had taken his son longer than usual to pass his driving test. He… wasn't the best driver. "I don't know if I trust him to get them all there alive."
"He's not that bad," Ray said with a laugh. "Plus, he won't get any better if he doesn't actually drive."
"I'll think about it," Dean said. His job with Marco paid well and provided them with insurance, and his side jobs with Noah and Ernie gave him a chance to build up his savings. A car was a big expense, though, and Jimmy was saving all his money from his comics for college. He planned on majoring in art and specializing in drawing and illustration.
"Shawn bought a beat up Nissan a few weeks ago and has been working on fixing it up," Ray said. "It's not looking so bad now. Just saying." He sat at the table with his own plate of breakfast. Dean piled a plate high with food and sat across from Ray.
Dean stared at his plate, hiding his blush. Life was so damn good when Ray was here. He wished this was real. He wished Ray was his husband and the kids were his. He wished it never had to end.
"Thanks for helping, Dean," Gramps said. The older man stretched his arms above his head. "Spring always means the fields need tilled and the earlier the better."
"Driving a tractor is a lot easier than chasing cattle around all day," Dean said with a laugh. He had finished early with Marco's cattle today and decided to pitch in with the rest of the Wilsons to get the gardens and fields plowed and ready to be planted.
"That's the truth," Marco said, jumping down from his own tractor. "If I have to pull another calf out of the mud, I'm going to scream."
"You love it," Dean said, smirking. His boss just smiled and shrugged.
"Marco," Grammy called. "Come help me with the drinks. We need to warm these folks up."
"Coming, Mama," he said, jogging to the truck where Grammy was unloading insulated cups of coffee.
"How's Ray doing today?" Gramps bumped his shoulder against Dean's as they walked slowly toward the truck. Dean's leg was starting to hurt, but it always did toward the end of the day.
"He's good. Watching Min and working from the house. He got to start a new investigation today, so he was all giddy," Dean said. The beta liked puzzles and had a mind like a steel trap.
"He's over at your house every day," Gramps said.
"He's a good friend," Dean said, smiling. Ray really was his best friend. Well, Ray and Susan were his best friends. He could never forget the amazing woman who cared so much about him.
"I've seen the way he looks at you, Dean," Gramps said. "He wants to be more than a friend. Has for a long time."
Dean stopped walking, frozen, the vision of Ray and him together filling his head. He blinked a few times then starting laughing uncontrollably. Oh god, that was hilarious. Like Ray would want a forty-six-year-old man with more aches and pains than an eighty-year-old. Plus, did Gramps not see the women throwing themselves at Ray every time he went to town? Ray was gorgeous, sweet, and in high demand. "Seriously, Gramps," Dean wheezed. "That's impossible." It would be wonderful, but Dean didn't stand even a speck of a chance with Ray.
"Why would it be impossible?" Gramps huffed and stood with his arms crossed.
"To start, Ray is twelve years younger than me," Dean said, chuckling. "Plus, have you seen me?" He waved to his face. A lot of the scars were faded, but they were still there. The emotional scars were far worse and what man would want to deal with them on top of the physical ones?
"Oh, I've seen you, Dean Wagner," Gramps said, cupping Dean's face in his hands. "You are a beautiful man, both inside and out." Dean's eyes met Gramps' and he felt them water. The damn man saw straight into him.
"Well, now, what's going on here?" Grammy said, brow raised and hand on her hip. She winked as she handed Dean a cup of coffee.
"Telling this idiot how beautiful he is," Gramps said, shrugging.
"That he is," Grammy said, kissing her husband on the cheek. "Beautiful I mean, not an idiot." She gave Dean a stern look. "You deserve happiness, Dean. I know you love it here, but there's an empty wanting in you and it breaks my heart. You are a beautiful soul and there are plenty here in Hobson Hills who see it. You just have to see it too."
"I don't know," Dean said quietly. "I do… I do feel it. The kids and our home make me happy, but I know there's something missing. I've just never gotten to want things of my own before."
"Think about what you want, Dean. Think long and hard on it," Grammy said. "When you're certain, I'm telling you now, it's yours for the taking."


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Social and fundraising activities are an important part of the life of our church. They enable us to get to know one another better and to reach out into the wider community in friendship and fellowship.
We are committed to raising money for good causes and throughout the year, as a result of donations and fundraising activities, we are able to give financial support to a number of charities – local, national and international.
We also have to raise money for the upkeep of our buildings and to maintain a Christian presence within the area. Each year we send a considerable sum to the Diocese of Oxford (in 2019 it was £72,680) as our contribution towards the cost of clergy. On top of that we have the expense of an on-going programme of repairs and improvements to the church and Church House which, as anyone who owns an old building will know, is very costly.
We are therefore most grateful to all those who support our events and activities.
Do think about getting involved – we would love to see you.


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- Revenue up by C$1.2 million in Q2 and by overall C$4 million in the first six months of the year
- Company secures 12-month extraction deals with two leading brands
- Sunniva takes strides toward increasing vertical integration
Sunniva Inc. (CSE: SNN) (OTCQX: SNNVF), a company that cultivates, processes and distributes cannabis, has announced its second quarter financial results, detailing milestones and achievements both for the second quarter and the first half of 2018 (http://nnw.fm/O0IjF). Recapping the company's developments over the past six months, CEO Dr. Anthony Holler said that Sunniva has moved closer toward its goal of full vertical integration, which is a key company strategy.
"We made great progress in Q2 2018 towards our goal of becoming a vertically integrated cannabis company in the U.S. In California, construction progressed at our phase one 325,000 square foot state-of-the-art Sunniva California Campus with completion targeted by the end of this year and first harvest expected in Q1 2019," Holler stated in a news release. "Our extraction facility began generating revenue this quarter. We continue to secure new contracts and are excited about the future revenue opportunities in this and other vertical channels that maximize the synergies with our Full-Scale Distributors device business."
In June of this year, Sunniva entered 12-month extraction services agreements with two leading California brands for its Sun-Oil Facility. Under the agreements, wholly owned subsidiary CP Logistics LLC will provide distilled oil products for Farmacy Phactory, a producer of high-terpene strains of cannabis. CP Logistics will also produce high quality distilled oil products for Cali Gold, a legacy California cannabis brand specializing in high-end chocolates. The distilled products are to be used in vaporization cartridges.
Holler explained that the company's main focus in California and the U.S. is to leverage its cultivation and extraction facilities to aggressively pursue upstream distribution and retail opportunities with the purpose of achieving full vertical integration from seed to sale. This will include the launch of Sunniva-branded product lines in various categories, such as flower, extracted products, vaporizers and beverages.
Speaking of the company's operations north of the border, Holler added, "In Canada, we received our Confirmation of Readiness letter for a license from Health Canada and broke ground and commenced construction on the 759,000 square foot Sunniva Canada Campus in Okanagan Falls, British Columbia. Our Natural Health Services' clinics reported another strong quarter of revenue generation and together with the future production from the Sunniva Canada Campus, provide a solid foundation for future Canadian growth opportunities."
In addition, Natural Health Services (NHS), another wholly owned Sunniva subsidiary, opened its seventh clinic in Windsor, Ontario. NHS is Canada's largest referral network of cannabis-related clinics and trained health professionals. NHS revenues contributed C$5.8 million to the company's revenue in the six months ended June 30, 2018.
During this period, the company's total revenue amounted to C$9.6 million, against a net loss of C$11.2 million, compared to a C$11.7 million loss in the same period last year.
The company's expansion over the past months contributed to increased administration and general expenses, which went up by C$5.9 million in the six months ended June 30. Advisory expenses and costs related to the company's publicly-listed status also added to the raised administration costs.
Other highlights mentioned in the company's Q2 2018 press release include an additional 12-month extraction services agreement CP Logistics sealed with Pure Applied Sciences, Inc., a wholly-owned subsidiary of Cannabis Strategic Ventures, Inc. (OTC: NUGS), for the extraction facility in California, and construction progress at the Sunniva California Campus. The cGMP-compliant greenhouse facility in Cathedral City is set to commence phase one operations – extraction of 50,000 kg per year – in Q4 2018, with the first harvest expected in Q1 2019. The facility is designed to eventually reach an estimated annual output of 60,000 kg of dry cannabis at capacity.
For more information, visit the company's website at www.sunniva.com
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Compendium of Supplementary Guidelines on implementation issues of operational risk (CP21)
Start Date: 19/12/2008 | Deadline: 31/03/2009 | Status: Closed
The Committee of European Banking Supervisors (CEBS) today starts a public consultation on its Compendium of Supplementary Guidelines on implementation issues of operational risk (the Compendium).
The consultation is open to all interested parties, including supervised institutions and other market participants.
Since the publication of the Guidelines on the validation and assessment of the Advanced Measurement and Internal Ratings Based Approaches (GL10) in April 2006, CEBS has continued to work on the issues arising from the implementation of the operational risk management and measurement frameworks. The experience gained by firms and supervisors in this phase has indicated the need for certain clarifications and further guidance for both firms and supervisors.
The Compendium represents CEBS' current thinking and expectations and aims to promote a higher level of homogeneity and common understanding among competent authorities on several issues that have emerged from building operational risk frameworks.
Unlike other CEBS guidelines, this Compendium is structured as a collection of individual guidance papers focused on particular operational risk implementation issues. It will be enlarged and updated on a regular basis. The main purpose of the semi-independent guidance papers in this Compendium - drafted as guidance to supervisors, but also relevant to firms - is to support the work of national authorities in their assessment and review of the operational risk frameworks of firms and thereby help to create a level playing field and to foster the convergent application of the operational risk regulatory framework across the EU.
The current edition of the Compendium contains the first set of guidance papers on three issues identified as high priority in dialogue with industry representatives: a) The scope of operational risk and operational risk loss, b) The use test for AMA firms, and c) The allocation of AMA capital.
The Compendium is published for a public consultation which starts today and runs until 31 March 2009. Comments received will be published on the CEBS website unless respondents explicitly request otherwise. Please send your comments to the following e-mail address: firstname.lastname@example.com.
A public hearing will take place on 10 March 2009 at the CEBS's premises in order to allow all interested parties to present their comments to CEBS.
- Metametris
- Austrian Federal Economic Chamber (WKO)
- European Banking Federation (EBF)
- Italian Banking Association (IBA) and DIPO Consortium
- Erste Group Bank AG and Bank Austria
- French Banking Federation (FBF)
- Investment Management Association (IMA)
- European Savings Banks Group (ESBG)
- Febelfin
- Operational Riskdata eXchange Association