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NATIONSTAR IS NOT FOLLOWING THE RESPA Uniform Settlement Statement ( HUD-1 OR HUD-1A ) – 12 CFR 1024.8 " Inadvertent or technical errors on the settlement statement are not deemed to be a violation of Section 4 of RESPA if a revised HUD-1/1A is provided to the borrower within 30 calendar days after settlement. " Loan # XXXX was never given a corrected HUD statement and Nationstar knew this was never a legal loan long, long ago and used extortion in a racketeering scam. THE CONSUMER NEVER WOULD HAVE SIGNED THIS LOAN IF IT WAS DISCLOSED HONESTLY … EVER!!!
I got a rep and a supervisor at the Nationstar Corporate Office to confirmXXXX XXXX, XXXX, XXXX and XXXX all lied to intentionally mislead the CFPB and consumer. These reps confirmed, on a recorded line, thatloan origination fraud is illegal and they also confirmed that ALL documents need to be accurate and, if not, they need to bere-generated and re-signed. If this is not done, the loan is not valid. THE CONSUMER NEVER WOULD HAVE SIGNED THIS LOAN IF IT WAS DISCLOSED HONESTLY … EVER!!! We all know this is the law but XXXX, XXXX, XXXX XXXXand XXXX ( as reps forcorporate legal dept ) are all claiming Nationstar does n't have to followANY mortgage or consumerlaws. Why not??? This gets good … it 's becausethe Federal Government gives Nationstar a free pass to ignore all laws and focus solely on collection and repossession. Why??? It 's because it 's FHA servicing. Yes … Nationstar is claiming that The Federal Government is forcing them to commit these crimes. This is not a joke, this was stated by XXXX @ Nationstar last week, it 's on a recorded line just prior to him hanging up on me. That 's why they foreclose on homes they do n't own, lie to the consumer, andgenerate false statements … it 's because you, the Federal Government, has ordered them to commit these crimes and terrorize consumers. They are the victims, XXXX Loan origination fraud is illegal, consumer fraud is illegal, mail fraud is illegal … and Nationstar commits all of these acts daily. I have only found 3 honest people out of several dozen, but 2 were today, so voluntary compliance may have started. That would save all of us a lot of time and effort. The corporate culture currently, top down, is fraud and criminal intent. It 's programmed into the system and into the computers … .PROVEN.
RESPA~ Good Faith Estimate ( GFE ) of Settlement Costs – 12 CFR 1024.7 Standard GFE Required For closed-end reverse mortgages, a loan originator is required to provide a consumer with the standard GFE form that is designed to allow borrowers to shop for a mortgage loan by comparing settlement costs and loan terms. ( See GFE form at Appendix C to 12 CFR Part 1024. ) NATIONSTAR PRODUCED A FRAUDULENT HUD STATEMENT THAT MATCHED THE FRAUDULENT GOOD FAITH ESTIMATE, NOT FOLLOWING THE RESPA, THE PAYMENT WAS MISLEADING BY THOSUANDS A YEAR, THE CONSUMER NEVER WOULD HAVE SIGNED THIS LOAN IF IT WAS DISCLOSED HONESTLY … EVER!!!
12 CFR 1024.7 ( d ) ~ The " escrow account information " section requires the loan originator to indicate whether the loan does or does not have an escrow account to pay property taxes or other property related charges. In addition, this section also requires the disclosure of the monthly amount owed for principal, interest and any mortgage insurance.
LENDER REQUIRED ITEMS WERE LEFT OFF THE ESCROW CALCULATIONS, WHICH MISLED THE ELDERLY COUPLE BY THOUSANDS OF DOLLARS A YEAR Uniform Settlement Statement ( HUD-1 OR HUD-1A ) – 12 CFR 1024.8 For closed-end reverse mortgages, the person conducting the settlement ( settlement agent ) must provide the borrower with a HUD-1 Settlement Statement at or before settlement that clearly itemizes all charges imposed on the buyer. AGAIN … NATIONSTAR CAN NOT PRODUCE THE REAL LOAN PACKET

subset: commoncrawl


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This is why, according to the Theory of Evolution, religion is supposed to exist.
I was thinking about evolution, in the shower.
What about?
You know how some people ask why we still have monkeys around, if monkeys evolved into humans?
It's because of a parallel process. Some primeval monkeys evolved into modern monkeys, some primeval monkeys evolved into modern man.
Right. And some species went extinct along the way. Some branches reached evolutionary dead ends.
Such as?
Neanderthals. They reached an evolutionary dead end and disappeared. Their parallel species, Cro-Magnons, became the early Homo sapiens.
All right.
So it got me thinking about how some people wonder why religion still exists, if science evolved out of philosophy, which itself evolved out of religion.
Ah, parallel evolution.
Right. Ancient religion evolved into modern science on one hand and ancient religion evolved into modern religion on the other hand.
Religion can evolve?
Sure. Old Testament to New. Patriarchy to equality. Racism to human rights. Slavery to abolition. Superstition to scientific inquiry. It happens all the time, whether people realise it or not. Or admit it or not. But, you know what?
Just as some species reach evolutionary dead ends, so do some ideas. Chemistry and alchemy sprang from the same branch. One reached a dead end, while the other has become the booming industry of our age.
And how about religion?
Some religions have actually died out, except as historic relics; just as Latin is a historic relic of language.
What religions?
Off the top of my head, the Egyptian gods. The Worldwide Church of God. The ancient Incan religions. They reached dead ends. Many cults die out after a while.
But many are still going on strong.
If you apply the principles of evolutionary biology to ideas — memes, as they call them — then these memes that have survived survive for a reason. If they survived, they deserved to survive. But some will die, eventually.
Like what?
Some Christian orders were formed for warfare, to defend the Holy Land, for example, to minister by the sword. These orders have become extinct completely, or in all but name, because they reached evolutionary dead ends. There are not enough Christians in existence who believe in conversion by violence, to sustain these orders. So they died.
How about Muslim jihad groups?
Most modern Muslims may condemn religious violence, but there are still enough who support it, that such groups can exist still. The day will come when Islamic terrorism will become extinct, just as Christian crusaders have gone extinct.
I hope you're right.
So do I. But the point is, evolution has a self-ordering force to it. Whether you think God is behind it, or pure chance, it doesn't alter the fact of the results.
So, what do you think is going to happen?
I can't speak for the whole world, but I predict, by looking at the evolutionary tree, that religion that denies science will eventually go extinct, as will science that denies religion.
The fact that religion continues to evolve and exist means that it's supposed to exist. By Darwin's own theory. If you agree that Darwin's theory can be applied to memes as well as genes.
A science that pretends religion is not a phenomenon — or worse, hopes and believes that it should not be a phenomenon — is ignoring the evidence, and not very scientific at all.
Sounds about right. What about religion that denies science?
Religion is supposed to concern itself with the truth. If religion denies the physical evidence of an old earth, for example, and insists that it's six thousand years old, it's not being truthful, and thus not very religious, is it?
No. I mean, yes. I mean, you know what I mean.
Yes. That's why I predict that the forms of religion that ignore science and the forms of science that deny religion will die off and be superseded by more evolved forms of religion and science.
Not one unified system of thought?
It is all one unified system of thought, as the physical planet is one unified ecosystem of myriad organisms. The force of biological evolution trends toward diversity when it's healthy. Likewise for the world of thoughts, which is really just our attempt to see the real world as it really is. Multiple systems of assumptions, philosophy and inquiry will continue to evolve and bring us closer and closer to the truth, whatever it is.
Multiple -logies point to the Logos that we're all searching for.
Originally published at planbpilgrims.com.


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Why did the Left laud Obama's "Hug a terrorist Muslim" approach and cheer the "Punch a KKK guy"…
Joshua Sanders
I would invite you to research the Irgun Zvai Leumi and other pro-Israel terrorist groups pre-1948 before you claim that the Judeo-Christian tradition is inherently more peaceful than the middle eastern (and if the last 100 years has taught us anything it's that 'middle eastern people' are far from a cohesive, easily homogenised unit). And I have no idea when Obama ever incited violence against any group, nor showed sympathy for terrorism and asked anyone to hug them (you know, instead of drone-striking them to oblivion). Please clarify.


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text:
Institutions and Procedure Internal Antitrust Manual of Procedures Published by the Commission
The Commission published its Antitrust Manual of Procedures in March 2012. The Manual consists of internal working documents on the procedures for the application of Article 101 (which prohibits anti-competitive agreements) and Article 102 (which prohibits abuse of dominance) of the Treaty on the Functioning of the European Union ("TFEU"). It sets out a wide variety of the internal Commission procedures including commencing proceedings, requests for information, conducting interviews, dealing with leniency applications, drafting and issuing statements of objections, granting access to the file, the commitments procedure, reaching final decisions, and post-decision matters such as litigation, recovery of fines and publication of decisions.
The Manual does not establish or change competition rules; it is intended to be a practical working tool to aid staff. As such, its publication will aid practitioners and companies to understand the Commission's practices and procedures in applying those rules.
Article 101 - Cartels
2012 Statistics
In 2012 the Commission reached four cartel decisions and imposed fines totalling €1.876 billion. This can be contrasted to the far lower total amount of fines imposed in 2011 of €614 million.
The largest fines in a single case (€1.47 billion) were imposed in the cathode ray tubes cartel.
In 2011, three out of the four cartel decisions involved the application of the settlement procedure. In 2012, by contrast, only one cartel decision involved use of the settlement procedure.
Liability of Parties to a Joint Venture
In the DuPont judgment handed down in February 2012, on appeal the General Court confirmed that the Commission was right to find that parties to a joint venture company, which was involved in the chloroprene rubber cartel, were each liable for the conduct of the joint venture. This was because the parties to the joint venture exercised decisive control over the company despite arguments from DuPont (one of the parties) that the joint venture was distinct from its shareholders.
According to the General Court, although the parties to the joint venture and the joint venture company had separate legal identities, this was not decisive. The fact that the joint venture always acted on the instructions of the parties to the joint venture was key.
Failure to Cooperate
Following a dawn raid by the Commission at E.ON Energie AG (E.ON) in 2006, the Commission fixed a seal on a locked door in order to secure documents. The seal included a warning that breaking the seal could result in fines. On the following day, the Commission's officials found the seal broken. In 2008, the Commission fined E.ON €38 million for breaking the seal.
E.ON denied breaking the seal and argued that the Commission possessed the only key to the room, when in fact over 20 of its employees had keys. It also argued that the 'void' sign (signalling the seal had been broken) appeared as a result of vibrations in the building, the use of cleaning products, the age of the seal or humidity.
E.ON used these arguments in appeals to the General Court and to the Court of Justice of the European Union ("CJEU"). On 22 November 2012, the CJEU dismissed the appeal by E.ON against the General Court's judgment.
In a similar case relating to dawn raids, the Commission fined Energeticky a Prumyslovy and EP Investment Advisors €2.5 million for failing to comply with a request by the Commission to block e-mail accounts of all key personnel and open encrypted e-mails. In addition, it was found they actually diverted incoming emails.
These cases show a clear commitment by the Commission to levy substantial fines against undertakings which fail to cooperate with their dawn raid investigations, whether or not the investigations result in findings of competition law breaches.
Power of the Commission to Seek Damages in National Courts on Behalf of the EU
In November 2012, the CJEU ruled (following a referral from the Brussels Commercial Court) that the Commission was entitled to seek damages for financial loss suffered by the European Union as a result of the lifts and escalators cartel. The EU entered into contracts for the installation and maintenance of lifts and escalators within its institutions on prices which were higher than the market price, as a result of the cartel. The CJEU found that the Commission was entitled to seek damages in national courts against companies which had been found to be involved in cartels, despite the fact that it was the Commission itself that made those findings.
This is controversial. The Charter of Fundamental Rights of the EU guarantees the right to a fair trial, including the principle of equality of arms. However, European competition legislation provides that where national courts rule on agreements, decisions or practices under Article 101 TFEU (which prohibits cartels) which have already been the subject of a Commission decision, national courts cannot reach a decision which is contrary to that adopted by the Commission. The CJEU held that this latter rule applied even where national courts were hearing an action for damages for loss sustained as a result of an agreement or practice which had previously been found by the Commission to infringe Article 101 TFEU, as the procedures of the EU courts afford the safeguards required by the Charter of Fundamental Rights of the EU.
Article 101 - Other
De Minimis
The Commission's Notice on Agreements of Minor Importance (de minimis notice) provides that the Commission will not bring competition law infringement proceedings in respect of an agreement which does not have an appreciable effect on competition; deemed where the aggregate market share of the parties (where competitors) do not exceed 10% or, in the case of non competitors, where the market share of each party does not exceed 15%.
The CJEU recently held that Article 101 TFEU can be applied to an agreement even if it is below the de minimis thresholds provided the agreement actually has an appreciable effect on competition. The Court re-emphasised the fact that the de minimis threshold is not binding on national competition authorities.
Article 102
In December 2012, the Commission announced that it had sent Samsung a statement of objections based on its initial findings that in 2011 Samsung abused its dominant position by seeking injunctive relief against Apple for alleged infringements of some of its standard essential patents for 3G mobile devices.
Samsung had given a commitment in 1998 to the European Telecommunications Standards Institute that, in order to ensure widespread access to standardised technology, it would license any fundamental patents that it had declared essential to the ETSI 3G UMTS standard on fair, reasonable and non-discriminatory (FRAND) terms. Moreover, Apple was willing to discuss entering into a FRAND licence with Samsung.
The Commission found that seeking injunctive relief in these circumstances harmed competition. This was because there was a possibility of products being omitted from the market and the distortion of licensing negotiations.
On a similar topic and following on from the Samsung investigation, the Commission is investigating complaints that Motorola Mobility Inc (Motorola) has abused its dominant position regarding particular standard essential patent rights and has not honoured its commitment to license those essential patents to standard setting organisations on FRAND terms.
It is alleged that Motorola has breached Article 102 TFEU by seeking and enforcing injunctions against Apple's and Microsoft's leading products such as iPhone, iPad, Windows and Xbox on the basis of Motorola's essential patent rights. The Commission is also concerned that Motorola has offered unfair licensing terms for its standard essential patents to Apple and Microsoft.
In December 2012, AstraZeneca lost its appeal to the CJEU in relation to findings that in breach of Article 102 TFEU, it had abused its dominant position in its stomach ulcer treatment Losec.
The case concerned two key findings of abuse by AstraZeneca. Firstly, that it made misleading statements regarding the dates of marketing authorisations to patent offices and national courts in order to acquire an increased protection period through supplementary protection certificates (SPCs) for Losec and thereby delay generic market entry. Secondly, that AstraZeneca requested deregistration of the marketing authorisations for Losec capsules in certain countries along with the actual withdrawal of Losec capsules from the market. Generic producers were therefore prevented from using the capsule formulation as a reference product. This was done in conjunction with AstraZeneca's launching of a new Losec tablet.
On appeal, the General Court reduced the fine from €60 million to €52.5 million due to the novelty of the findings of abuse for manipulation of regulatory procedures. AstraZeneca then further appealed to the Court claiming that the General Court had made a series of errors in law in respect of market definition, analysis of the abuses and the level of the fine.
AstraZeneca argued that its behaviour was merely "competition on the merits" and was not abusive and that even if it was, it should be granted a reprieve because of the novelty of the abuses and their minimal effect on competition. Nonetheless, the appeal was rejected on all grounds.
The Court has thus confirmed that the non-exhaustive list of Article 102 TFEU abuses includes abusive manipulation of regulatory processes and, in so doing, has confirmed that it will not strike down Commission decisions merely because they make findings in relation to new categories of abuse.
Merger Control
Prohibition of Merger Between Deutsche Borse and NYSE Euronext
In February 2012, the Commission prohibited the merger between two derivative exchanges - Eurex which is owned by Deutsche Borse and Liffe, owned by NYSE Euronext - because it would have eliminated competition between Deutsche Borse and NYSE Euronext (the two largest derivative exchanges in Europe). It was the Commission's view that the merger would have created a monopoly in European financial derivatives trading and clearing thereby affecting competition and innovation in derivative products. The Commission also felt that the merger would result in higher prices and it would be difficult for new players to enter the market.
Although Deutsche Borse and NYSE Euronext offered commitments to sell certain assets and provide access to the merged entity's clearing house for new products in order for the merger to be cleared, the Commission was not satisfied. Deutsche Borse has appealed against the Commission's decision and it remains to be seen whether or not the Commission's decision will be overturned.
This was the only merger prohibited in 2012 out of a total of 283 merger notifications. The Deutsche Borse and NYSE Euronext is the third merger to be prohibited under the Merger Regulation.
Developments in 2013
Simplification of EU Merger Control
Further simplification of the simplified merger procedure and the review of its pre-notification practice is expected in order to reduce and simplify regulation.
Review of the Technology Transfer Block Exemption Regulation
It is likely that the Commission will consult on proposals to amend the Technology Transfer Block Exemption Regulation and its Guidelines (which provide exemption from competition concerns for certain IP licence agreements which satisfy their conditions) in readiness for their termination on 30 April 2014.
It will be interesting to review further judicial decisions concerning authority's obligations to provide access to documents submitted during competition investigations or cases to third parties. A decision in 2011 (Pfleiderer) said that national courts must carry out a facts-based consideration, on a case by case basis, in accordance with EU law to weigh up the interests of the aggrieved third party requesting access to the information and the party who has disclosed information in confidence.
The issue has become increasingly important in relation to disclosures made in leniency applications and we can expect further judicial activity in this area. In February 2013, there has already been an Advocate General's opinion on the subject following a referral from the Austrian courts.
Financial Services
Follow-up proposals to the Green Paper on achieving an assimilated European market for card, internet and mobile payments will be published by the Commission and the competition investigation into e-payments by the European Payments Council will continue.
The investigation into the potential collaborative manipulation of the LIBOR, EURIBOR and TIBOR benchmark rates and the Commission's investigation into suspected anti-competitive practices in relation to credit default swaps will continue in 2013.
Institutions and Procedure
Competition Law Reform
Following the consultation paper published in March 2011 by the Department for Business, Innovation and Skills (BIS) on reforming the UK competition regime, the Government's response to the consultation was published in March 2012. It decided to establish a single competition body in the Competition and Markets Authority ("CMA") (through the merger of the Office of Fair Trading ("OFT") and Competition Commission) whilst retaining the two phase approach to mergers and market investigations. It is understood that phase 1 decisions, which are currently considered by the OFT, will be dealt with by the CMA Board and phase 2 decisions, which are currently considered by the Competition Commission, will be dealt with by an independent panel of experts.
It is also proposed that the CMA will have the power to investigate alleged anti-competitive practices across different sectors. The Secretary of State will be given the power to require the CMA to investigate public interest issues as well as anti-competitive practices, which reintroduces to an extent the political intervention which was only relatively recently removed.
The Government has also proposed the removal of the "dishonesty" requirement from the criminal cartel offence contained in the Enterprise Act 2002. This raises issues which other competition authorities in the world have had to grapple with in assessing the correct level of culpability required to enforce criminal sanctions over and above existing and serious civil penalties.
These changes to UK Competition law are currently contained in the Enterprise and Regulatory Reform Bill which are being considered by parliament.
The Financial Services Act 2012
The Financial Services Act 2012 creates the Financial Conduct Authority which will have a duty to promote effective competition in the financial services sector. It will also have the power to refer potentially anti-competitive practices to the OFT (and in future the CMA). Although the Financial Conduct Authority has not been given any competition law powers, the Government will consider whether it should be given such powers in the next five years.
OFT Guidance on Penalties
On 10 September 2012, the OFT published guidance on the appropriate amount of a penalty to be imposed under the Competition Act to ensure that penalties reflect the seriousness of the infringement. The OFT will use a six-step approach in calculating fines; the maximum starting point will be 30% of the undertaking's relevant turnover and the exact starting point will depend on the seriousness of the offence and the deterrent effect. The guidance also indicates that the relevant turnover is that of the undertaking in breach of competition law in the relevant product and geographic market affected by the infringement in the last business year.
The guidance allows for adjustment of the penalty to take account of the duration of the infringement and any aggravating factors such as persistent unreasonable behaviour that delays the OFT's investigation or for leading or instigating the infringement. Furthermore, the guidance provides allowances for leniency and settlement discounts, as well as reductions for financial hardship in exceptional cases. It also allows for adjustment to ensure the penalty will lead to deterrence and will be proportionate.
OFT Consultation on Leniency
On 10 October 2012, the OFT published a further consultation on proposals to revise its leniency guidance. Draft guidance was originally published in October 2011 and included a requirement that leniency applicants waive legal professional privilege where there is a criminal investigation. The OFT's consultation is seeking responses discussing the possibility of removing this requirement. It is also considering the option of utilising independent counsel to verify a leniency applicant's claim for privilege.
Chapter I - Cartels
BA and Virgin Fuel Surcharges
The OFT issued a decision in April 2012 finding that between August 2004 and January 2006 British Airways (BA) and Virgin Atlantic (Virgin) aligned their fuel surcharge pricing on long haul passenger flights by communicating pricing information. The OFT imposed a fine of £58.5 million on BA (reduced from £121.5 million due to cooperation). Virgin was not fined as it successfully applied for leniency and, as the first party to do so, was granted full immunity.
National Grid Electricity Transmission Claim for Damages
Following the CJEU's decision to impose fines of more than €750 million on companies involved in the gas insulated switchgear cartel, National Grid Transmission Plc (NGET) brought an action to recover the losses it suffered.
NGET sought disclosure of documents such as the confidential version of the Commission's decision and responses by the cartel participants. It also requested access to leniency documents. The High Court applied the CJEU judgment in Pfleiderer which dealt with third party access to documents under a leniency programme. That case stated that competition legislation which allows for information sharing between EU institutions and national courts and competition authorities does not preclude a party affected by breach of competition law from accessing documents submitted by a cartel participant pursuant to a leniency application. Therefore, member states had to establish rules to determine a right of access to such documents. It also required national courts to balance the competing interests of the leniency applicant and the person seeking disclosure.
The High Court found that the Commission did not have exclusive jurisdiction to determine disclosure of leniency material and it decided that extracts of the documents submitted in the leniency application could be disclosed because they would not unduly prejudice the leniency applicant or expose them to further liability.
Chapter II - Abuse of Dominance
First Damages Awarded by the Competition Appeal Tribunal (CAT)
The CAT has, for the first time, awarded exemplary damages in an action brought in a "follow on" action (damages claim brought without having to prove that competition law has been infringed because there has already been a ruling which proves that). The CAT has only a narrow ability to go beyond the initial infringement ruling. In the 2 Travel case the OFT had already found in November 2008 that Cardiff Bus had taken part in predatory conduct in abuse of its dominant position, but had not levied a fine.
In January 2011, 2 Travel sought damages against Cardiff Bus for lost profits, loss of business, wasted management and employee time, and loss of opportunity suffered as a result of the abuse of dominance. It also sought exemplary damages.
To push 2 Travel out of the market, Cardiff Bus introduced a service that ran on the same routes at the same times as certain 2 Travel services. Their actions resulted in losses to 2 Travel's business which forced 2 Travel to withdraw from the market. Upon this withdrawal, Cardiff Bus terminated its own service. 2 Travel were awarded damages for loss of profits of £33,818.79, plus interest. On the basis that 2 Travel were already having financial problems and would have entered into liquidation irrespective of the breach, compensatory damages claim was rejected by the CAT. However, 2 Travel were awarded exemplary damages of £60,000. The CAT held that due to the outrageous conduct of Cardiff Bus who had deliberately decided to flout the law with complete disregard for the rights of 2 Travel, exemplary damages were apt in this case.
This decision is likely to result in the bringing of more claims for exemplary damages in competition cases. The CAT stated where exemplary damages are sought, the competition law breach in question must be intentionally or recklessly made. In this case, previous case law which says that exemplary damages will not be recoverable where the defendant has already been fined for the action complained of was not a bar here as the OFT had not levied a fine.
Merger Control
On 31 October 2012, the Competition Commission published the final version of its new detailed merger procedural guidelines. These guidelines explain the key stages of a merger inquiry following a referral by the OFT and provide details on the Competition Commission's processes. The guidance sets out:
- how the Competition Commission deals with parties;
- how information is collected;
- how the initial assessment is formed;
- how opinions are sought;
- some possible remedies, how the final report is announced and the implementation of remedies; and
- information on procedural matters regarding completed mergers.
On 31 October 2012, the Competition Commission also published draft revised guidance on disclosure of information in merger inquiries and market investigations for consultation.
Significant changes have been proposed in the new guidance, especially in relation to the Competition Commission's attitude to disclosure throughout the procedural steps of its enquiries, including the remedies stages and remittal procedures. The range of the guidance now comprises reviews of undertakings and orders under the Enterprise Act 2002 and the Fair Trading Act 1973. Additional details of the practical aspects of handling confidential information are also dealt with.
OFT Investigations
In 2012, mergers work continued to increase.
- The OFT made 100 merger decisions compared with 94 in 2011. Of these, 21 mergers were found not to qualify and 62 were granted unconditional clearances with three under the de minimis exception.
- The OFT sought undertakings in lieu of reference to the Competition Commission in five cases, compared with six in 2011, five in 2010 and four in 2009.
- The OFT referred 9 mergers to the Competition Commission (eight in 2011) which shows that in comparison with previous years mergers work continues to increase.
Competition Commission Referrals
The Competition Commission cleared all of the merger cases referred to it either unconditionally or following the giving of structural undertakings, except for the Akzo Nobel/ Metlac matter which was prohibited.
Developments in 2013
Legislative Reform
As discussed above, it is expected that The Enterprise and Regulatory Reform Bill will receive Royal Assent early in 2013. If so, the new CMA will be established in 2013 and it is thought that it will be able to use its new powers by April 2014.
Private Actions
The government has recently published its response to the April 2012 consultation on private actions in competition law.
The government has decided to allow the CAT to hear standalone cases (where breach of competition law must be proved) as well as follow on actions. A limited opt-out system for collective actions will also be introduced (the UK currently has an opt in, follow on system which has resulted in one case in which only 0.1% of the potential claimants signed up). The CAT will have the discretion to determine whether a collective action should be opt-in or opt-out. Additionally, the courts will have the power to transfer competition law cases to the CAT.
The response stopped short of recommending changes to the law to protect leniency applicants from being subject to third party damages claims.
Many of the proposed changes will require further legislation to implement but the government has committed to introduce those that do not, as quickly as possible.
Institutions and Procedure
Publication of Two Notices Respectively on (i) Settlement Procedure and (ii) Compliance Programs
The French competition authority, Autorité de la Concurrence, issued two major framework documents dated 10 February 2012.
The first framework document examines the benefits of the settlement procedure and specifically the impact of this procedure on the penalty provided by the Autorité de la Concurrence in the case of anticompetitive practice, cartel or abuse of a dominant position, by a company. A company that waives its right to challenge the charges notified by the Autorité de la Concurrence's investigation services is likely to obtain a 10% reduction in fines.
Furthermore, an additional reduction of 5% up to 15% may be granted, if the company undertakes to improve its behaviour in the future. Those reductions are intended to lead companies to implement compliance programs based on the second framework document's recommendations set up by the Autorité de la Concurrence. In this document, the French competition watchdog does not provide any "set" rules but rather recommendations: that companies should integrate five points into their compliance programs : (i) a firm, clear and public commitment by the entire board and management to comply with competition rules and to support the company's compliance program, (ii) empowering someone, within the organization, to handle the implementing and overseeing of the compliance program, with the necessary autonomy and means to fulfill this role, (iii) developing an effective information, training and awareness toolkit in order to spread and maintain a competition culture at all levels, from the top management to each member of the staff of the company, (iv) setting up effective control, audit and warning mechanisms, and (v) implementing sanctions in the event of any detection of a violation of competition rules or of a breach of the company's compliance program.
Further, an undertaking which has adopted a compliance program that discovers and puts an end to an anticompetitive practice, other than its participation in a cartel, prior to the initiation of an investigation or proceeding by the Autorité de la Concurrence, may claim a mitigating circumstance if the Autorité later sanctions the practice.
Article L. 420-1 of the French Commercial Code - Cartels
French and German Millers Fined a Total of €242 Million Because of a Price Fixing Cartel
Pursuant to decision n°12-D-09 of 13 March 2012, the French competition authority fined French millers €146.9 million because of an anticompetitive agreement and it also fined French and German millers €95.5 million for having limited flour imports between France and Germany.
French Anticompetitive Agreements
The Autorité found that the French flour market was dominated by two miller groups: France Farine and Bach Mühle, which market flour, for large-scale distribution and hard-discount stores respectively.
The Autorité found that those miller groups had reached an agreement on the flour prices and a geographic allocation of customers. According to the French competition watchdog, due to the absence of sufficient competition within the flour market, consumers were charged additional costs for their packaged flour, which were estimated at about 11%.
Non-Compete Agreement Between German and French Millers
The Autorité de la concurrence also fined French and German millers for entering into a non-compete agreement which limited flour imports between the two countries to a certain predetermined level over a six-year period (2002-2008), allowing those millers to keep flour prices above the competitive level in their respective countries. One miller company which would have been liable for a fine of €16.66 million was granted full immunity under the leniency program.
This decision is a landmark case in light of the amount of the fine and it shows that cartels are severely sanctioned by the Autorité, especially when they pertain to indispensable consumer products such as flour (or laundry detergent - see last year's bulletin by Fasken Martineau)
Article L. 420-2 of the French Commercial Code - Abuse of a Dominant Position
Mobile Telephony
Pursuant to decision n°12-D-24 dated 13 December 2012, the Autorité de la concurrence fined two major French mobile operators a global amount of €183.1 million for implementing anticompetitive practices.
After a complaint initiated by Bouygues Télécom, Orange and SFR were being sued for having marketed, between 2005 and 2008, special packages called "abundance on net" which allow their customers to make unlimited calls within certain hours to customers using the same operator. According to the Autorité de la concurrence, those packages resulted in excessive rate differentiation practices between "on net" and "off net" offers (i.e., when clients call customers of an operator different than their own), for which customers paid a higher price not justified by any consideration as to the costs incurred by the operator.
These packages were found to hamper the fluidity of the market by accentuating the "club" effect of the two main mobile operators and by deterring existing and new customers from migrating to a third network. As a result, it weakened the third mobile operator, Bouygues Telecom (Free Telecom was not yet present on French mobile market at that time) which was enabled with its 17% market shares to compete with Orange and SFR. In order to prevent eviction from the market, Bouygues Telecom had indeed marketed "cross net" unlimited call offerings allowing its customers to make unlimited calls to their interlocutors, regardless of their network which automatically implied corresponding increasing of costs (especially due to termination costs charged by Orange and SFR to calls coming from Bouygtel's customers).
This decision is one of the two cases in 2012 where the Autorité de la concurrence imposed a fine higher than €100 million, taking into account the seriousness of the offence and the individual situation of the operators (companies of international groups, with significant resources).
Orange and SFR have appealed this decision in the Paris Court of Appeal and the case is currently pending.
Sector Inquiries
During 2012, the Autorité de la concurrence launched two landmark inquiries.
The first inquiry launched focuses on on-line sales and more specifically on electrical domestic appliances, cosmetic and personal care products, where it is reported that e-commerce offers to consumers lower prices and more choice than traditional retail sectors. The Autorité de la concurrence intends to ensure that manufacturers and traditional retailers' marketing agreements do not limit the expansion of e-commerce and the resulting competitiveness. The Autorité has noted that lower prices found on the internet are the result of the emergence of new providers such as: price comparisons websites, online retailers and distributors (in the area of electrical products, they can offer prices at an average of 5 to 10% lower than those in store).
The Autorité de la concurrence noticed that manufacturers often impose conditions on on-line retailers seeking to join their selective distribution network resulting in offerings which are less attractive than those offered to traditional retail brands (even to operators with a strong on-line presence). Thus, the Autorité de la concurrence outlined certain principles of competition law relating to this field: (i) manufacturers have the right to choose their distributor even through a selective distribution network. However, they could not impose on this distributor different terms and conditions for on-line and off-line sales; (ii) manufacturers could not agree on anticompetitive terms and conditions of purchase or supply with on-line distributors that would limit the competitive pressure exerted by on line distributors on traditional retailers.
The results published in October 2012 of the second inquiry (launched in 2011) by the Autorité de la concurrence set forth several recommendations to lower the price of car repairs and maintenance and to optimize competition in this sector.
In its conclusions, the Autorité de la concurrence indicates that it seeks to promote the gradual and controlled opening of the repair and maintenance market of visible spare parts (i.e. original equipment), which is currently a monopoly of car manufacturers (70% of the market whereas equipment manufacturers stand for 30% of the market). This process, known as "the repair clause" aims at reducing the price of visible spare parts, while allowing the sector to operate more efficiently.
The Autorité de la concurrence has also recommended allowing car equipment manufacturers to freely market their own spare parts without being bound by restrictive clauses in the agreements with car manufacturers.
On the consumer's side, the Autorité considers it necessary to draw up explicit warranty contracts and warranty extension contracts allowing consumers to use the services of an independent repairer without losing the benefit of the warranty.
Merger Control
The Autorité de la concurrence Cleared the Acquisition of TPS and Canal Satellite by Vivendi Universal and Groupe Canal Plus, Subject to Several Undertakings
On 13 July 2012, the Autorité de la concurrence cleared the acquisition of TPS and Canal Satellite by Vivendi Universal and Groupe Canal Plus, subject to compliance with undertakings ordered to provide sufficient competition in the pay TV markets.
Acquisition of Direct 8 and Direct Star by Vivendi and Groupe Canal Plus, the Decision of the Autorité de la Concurrence
On 23 July 2012, the Autorité de la concurrence cleared the acquisition of Direct 8 and Direct Star by Vivendi and Groupe Canal Plus to Groupe Bolloré, subject to certain commitments which include: (i) limitation of acquisitions rights of American movies and American series and French films, (ii) separate negotiation for pay TV and free-to-air TV rights from movies and series, (iii) limitation of acquisitions by Direct 8 and Direct Star of the catalog of films of StudioCanal and (iv) the sale of the free-to-air broadcasting rights of important sporting events.
All of these commitments were undertaken by the merging parties for a five-year term.


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What is custom writing and how it operates? Why students pay for essays?
Also someone distant with this type of work knows that there are custom writing solutions and something or two about them. The word is self-explanatory, plus it might look like there isn't much to learn about it. You want something written but cannot get it done yourself for whatever reason – and that means you find someone else to create it for you personally. It is understood that the author is a professional that will make sure your written piece is well-written, 100% original, and delivered on time. For instance, students can use such services while securing him- or herself a fantastic grade for the paper for whatever reason that he or she cannot deliver him- or herself. This indicates very easy through to the moment whenever you resort to such services your self. When that happens – you begin having doubts – how do they deliver papers that are excellent enough time? If I order a paper, how do I make sure that it will turn out just what i'd like? Is it well worth the chance or do I need to rather write everything myself? These and lots of other questions can be running through the mind. To clear your doubts, the following is a brief description regarding the customized writing process:
Placing your custom order that is writing
Once you have composed the mind to outsource a writing project for school, you pick the custom writing website that is best customwriting and put your order. You cannot simply drop them line like 'write my paper for me' since it is too vague. The main element to them delivering precisely the type of paper for them to know all the details there are to know about your assignment that you want is. Additionally they understand they have a new order placed that they cannot expect every client to remember all relevant details every time. So, they remind one to specify those details by marking them as necessary areas into the purchase type on the site. These details go down seriously to the four questions: what (subject and subject), whenever deadline that is(, just how (formatting style and style of paper), and just how much (range pages). Needless to say, in the comment section if you have any extra requirements that do not fall under either of these categories, you are welcome to mention them.
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As soon as your paper is written, it doesn't imply that the business's work is completed. As of this true point, it really is only a draft. It should go through meticulous proofreading and editing to make sure that no flaws remain overlooked – from typing errors to style inconsistencies or instances of non-intended plagiarism before it can be submitted. The business needs to ensure that the paper is 100% error-free and plagiarism-free and you an excellent grade that it will surely secure.
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When the paper is written and thoroughly proofread, it shall appear in your mailbox. Often, it happens significantly earlier than the deadline you have actually specified within the purchase kind. This is to work with that additional time to check using your paper to see in case it is indeed what you need. Otherwise, a custom that is reputable solution will offer you to revise it free of charge.


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From Our Editors
Anime, manga, and cosplay lovers flock to Austin's Anime Overload each year for three days of panel discussions, workshops, and gaming. The Japanese anime and pop-culture convention saturates the long weekend with activities, including dances and anime screenings that go into the wee hours. Read on to learn about some of the con's can't-miss offerings:
Maid Cafe: Like the cosplay restaurants in Japan, Anime Overload's Maid Cafe features waitresses in classic maid costumes performing songs and dances for visitors. Maid Cafe hosts its own events throughout the con, including Neko Neko Hour, during which maids add cat ears and tails to their costumes, and Butler Hour, during which the maids are swapped out for handsome butlers who all respond to "Mr. Belvedere."
Special-Guest Appearances: Anime Overload hosts anime voice actors Jason Liebrecht, Tia Ballard, and Xanthe Huynh, who have all voiced a range of animated characters. It also features two powerhouses in the cosplay world—Twinzik and Colony Drop Cosplay.
Games: In addition to the games in Maid Cafe, including Game Night Hour with Apples to Apples and Words with Friends, Anime Overload includes a gaming-console room and card-game area. There, tournaments unfold, including Magic the Gathering and Pokémon.


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Mega Menu
Content / Editor
The Mega Menu control has been designed to enhance your site navigation and usability. A mega menu reduces the amount of clicks and time spent searching on your site.
In this section:
The first step in setting up the Mega Menu is to enable the control in the site settings.
1.Open the Contegro Start menu and select Administration > Site Settings > General.
a.Scroll down to the site Functions, check the Mega Menus On box and click [Save].
2.Next, enable the Show Mega Menu tickbox in the Navigation module at template level.
a.Go to Contegro Start > Designer Tools and select Templates.
b.Select the template you wish to update (e.g. Home, 2Column, etc).
c.Locate or add the Navigation module you will use to display the mega menu and click on the settings button.
d.Configure the Navigation module settings as follows and click [OK].
1.CSS Class Name = Set as required (check with your Web Design company, Contegro Partner or Reseller).
2.Is Slide Menu = Yes
3.Direction = Horizontal
4.Menu Type = Primary/Sub Navigation
5.Start Level = 1
6.Clickable Depth = 2
7.Number of Levels to Show = 2
8.Show Mega Menu = Yes
e.Click [Save].
Manage modules in the Mega Menu container
When the Mega Menu control is enabled in the site settings, the Mega Menu tab is added to the page Attributes panel in the Editor. Use the steps below to add modules your mega menu container.
1.Open the Contegro Start menu and select Content > Editor.
2.Double left click to open the page or right click and Open the top level page that you want to add the mega menu content to.
3.Open the Attributes panel.
4.To add modules to the Mega Menu container - click on the module dropdown and select a module.
5.Once all modules have been added, update the settings as required.
6.When all changes are complete, click [Publish].
Topic Link


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Are you the owner or the admin of 50voicesgroove.de?
Site thumbshot:
· Registered on: ?
· Estimated montly site traffic (visitors): 62
· IP address(es):
- 126.96.36.199 (IP Tools: Server Uptime/Whois/Reverse DNS)
- More sites on this IP address here
- Sites on IP address class 82.165.101.*
· Site hosted in: Germany
· Hosted at: kundenserver.de
· HTML/CSS rating: 9 (More HTML/SEO Analysis )
· Site Speed : 30607.4 Kbps (Germany -> Germany)
- Check the speed between your IP (22.214.171.124) and www.50voicesgroove.de
50voicesgroove.de site reach during the last 6 months:
HTTP Header details : HTTP/1.1 200 OK
Content-Type: text/html
Content-Length: 101046
Connection: close
Date: Sun, 18 Nov 2018 18:29:09 GMT
Server: Apache
Last-Modified: Wed, 17 Oct 2018 20:44:34 GMT
ETag: "18ab6-57872bce209c4"
Accept-Ranges: bytes
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Detailed Notes on rsvp sms sample
Guest_Name - optional visitor name. If guest didn't deliver title when RSVPing to the function to start with time then his/her cell phone number will likely be employed as name.
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In the sector 'Exclusive party code to RSVP by way of cell phone phone or SMS' enter some numeric worth, by way of example 20170523.
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As the 2017 flu year starts in earnest, in this article?s what you need to know to safeguard yourself and infant.
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Martial Arts
Street Fighting TechniquesWritten by Sierra Rein
When it comes to using street fighting techniques in an actual fight, remember that there are no rules. Your opponent will probably not follow any regulations and may fight dirty if they have to. You have to rise to any challenge and do the same whenever your life and safety are concerned.
Most street fighting techniques are built around the concept of giving you enough time to incapacitate your opponent quickly and make the first exit possible. There should be no shame involved in escaping an attack, especially if there is no one around to help you. More injuries, rapes and deaths occur when people decide to fight longer than 15 seconds instead of calling for help.
Thus, learning what are called "stop hits" is very important, as these moves will stall the attacker just enough to give you a head start. However, if the aggressor gets you in a lock hold, then you must be able to jab, punch, kick and roll yourself out of it. If the situation gets so bad as to require full force, make sure you are aware of your surroundings and how your own adrenaline rush is affecting your body.
Street Fighting Techniques Against Two Attackers
If you come across more than one attacker, you should know how to immediately go into action and perform a "stop hit" on one of them as soon as you can. You will be able to defend yourself easier against the second opponent and possibly even scare him off with your ferocity. If you feel that you are outnumbered, rely on your instinctive strength and smarts to use every kicking, holding, punching, slapping and biting street fighting techniques you can to get them off your back.


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Goldwingers Singapore (GWS) previously known as W*A*S*H Singapore (Wingers Against Staying Home) established in Feb 2004 by a group of friends who share a common passion for winging.
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Super Methane Brothers
From the Database of Home of the Underdogs
GAME DESIGNER:Mark Page
GAME DEVELOPER:Freeware
GAME PUBLISHER:Freeware
Copyright 2001, Mark Page
Super Methane Brothers is an excellent unofficial PC remake of the fun Amiga 1200 game of the same name. The game is similar to Bubble Bobble in looks and gameplay: you control two cute cartoon characters who use methane gun (instead of bubbles) that fire gas to capture enemies.
This PC remake (which has been endorsed by the original developer) is very faithful to the original, offering great graphics and sounds as well as captivating gameplay. The game is fast, fun, and furious, with many power-ups, tons of baddies, and more. Unfortunately, some of the original game's features aren't yet implemented in this PC version, such as the simultaneous two-player mode, pause codes, and joystick control. Similar to the original, you also can't save the game – a minor annoyance that isn't too frustrating because the game isn't very difficult (besides, you can collect cards to earn extra lives).
With attractive graphics and addictive gameplay, Super Methane Brothers is ideal for whiling away a few minutes at a time in a fast-paced environment. Thanks to the game's original programmer Mark Page who took the time to convert this underdog, PC gamers now have a chance to play a great game that Amiga fans have enjoyed. Highly recommended!


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Side to side
Switch flip
College Park Animal
The Best Violator
Fine Subject
Break a Made King
Flung among
Army Rugs
You Couldn't avoid Shame
While De-flating
Others' Success
Can't critique beggars with any consistency
With any Power
What does Yeats say to his Friend whose Work has come to Nothing?
Refuse Shame in Plain Sight, that is the hardest task.
Finn was always alive, he jest needed an excuse to drop his hod and sleep for a few hours until he picked up his hod the next working day.
Care for a passel of porter? Halp yoresellffves…


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#e2fff6 hex color information
In the additive RGB color model, color #e2fff6 (hexadecimal – hex triplet) has values of 226 (89% red), 255 (100% green) and 246 (96% blue). In the CMYK (subtractive color model), color #e2fff6 has values 11% cyan, 0% magenta, 4% yellow and 0% black. In the HSL model, it is represented by 161° hue, 100% saturation and 94% lightness. Win32 representation: DWORD COLORREF C=0x006fff2e. Decimal value is 14876662.
#e2fff6 is not web-safe (Netscape). Nearest web-safe color is #ccffff. #e2fff6 isn't X11 color, closest X11 color is LightCyan (#e0ffff).


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ONE parent has come up with what she thinks is a seriously savvy way to hang baby clothes.
Simply hang the baby's onesie over the clothes rail upside down, to secure it with its own poppers to the drying line.
No pegs needed, is the upside.
The tip was first seen on the Facebook page for Nubs & Bumps, posted by a user who said alongside the photo: "Omg why did no one tell me about this hack sooner!'"
The post has garnered more than 55,000 comments and has since gone viral.
'I didn't do this but looks like a good idea apart from doing/undoing all the buttons,' wrote one mother.
We think she's hit the nail on the head because actually, it's much more time consuming to undo all the poppers, hang the onesie, do all the poppers up, and then undo them again to take it off.
Surely it's actually quicker and easier to just keep it old school and grab a clothes peg?
While some parents commented that they'd been using the "trick" for years, others were less impressed.
'Omg! How long would it take to button up all those press studs! No sleep deprived mummy/daddy is doing this,' another comment read.
We agree – pegs are definitely quicker and easier.
What do you think?
Either way, doing the laundry can reportedly help you life longer.
And if you do like a life hack, check out this one saving you money at Boohoo.


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THANK YOU! The two most powerful words one can deliver, and—believe me—the most powerful words one can receive, especially when it's not expected. A simple Thank You can make all the difference. Can life really be this simple? I believe it can. I guess sometimes just believing is half of the battle. I believe!
I recently returned from a Red Shoes presentation given to my very good friends in Orlando, Florida, who reminded me how much it can mean to receive a Thank You. This is an amazing leadership team of men and women who get what Red Shoes is all about.
This team decided to take a few minutes and simply thank me, in writing, for my time. Are you kidding me? How can something so simple mean so much? Well it did and I can't fully express my appreciation for being the recipient of such a simple and powerful Red Shoes moment.
This is a very professional, very amazing group of leaders who remember what it means to truly make a difference. You're rare, my new friends from Florida, and I am not "ribbing." Thanks for living life while wearing Red Shoes. I wish you all the success and happiness in the world—this year and into the future.


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Divers and volunteers were stoked to be able to return to Pulau Hantu after last month's short reprieve due to the haze from the forest fires in neighboring Sumatra, Indonesia. Water visibility was unexpectedly good compared to the previous month, which brought some relief to the few new divers who were about to make their […]
Entries Categorized as 'Climate Change'
Unfazed by the haze
July 9, 2013
Orgy on our reefs: Coral spawning 2011
April 28, 2011
"Once a year, four days after the full moon on the fourth month, our corals spawn" said Jeff during a recent briefing. Wow! We were afraid that our corals wouldn't be up to it due to the massive coral bleaching last year. But our corals did mass spawn again! Thanks to Mei Lin and Jeffrey […]
To Save the Planet, Save the Seas
December 28, 2009
December 26, 2009 The New York Times For the many disappointments of the recent climate talks in Copenhagen, there was at least one clear positive outcome, and that was the progress made on a program called Reducing Emissions From Deforestation and Forest Degradation. Under this program, key elements of which were agreed on at Copenhagen, […]
Students talk about Singapore's future
November 14, 2009
Last month, the Hantu Blog was invited to attend the Green Singapore 2050 Summit by the Singapore Environmental Council, to give a talk about Singapore's coral reefs and why they should be protected. About 300 students from various primary and secondary schools in Singapore attended the 4-hr talk, and learned about a variety of issues […]
Nature is Changing: Copenhagen and beyond – what does it mean for Asia?
October 27, 2009
Event title: Nature is Changing: Copenhagen & Beyond – What does it mean for Asia? Date/Time: 11 Nov 2009, 5-7pm Venue: Lee Kuan Yew School of Public Policy Auditorium, Level 3 Blk B, Faculty of Law, NUS Bukit Timah Campus, 469G Bukit Timah Road Singapore 259772 RSVP: Admission is free, but registration is required. To […]
Free Lecture: The Influence of Climate Change on Maritime Australia and Pacific Islands: Biology and Business
October 23, 2009
Presented by Professor Michael Kingsford, Head of the School of Marine and Tropical Biology, JCU Australia Synopsis: Global climate change is the biggest issue facing resource managers and poses a great challenge to businesses. Unless business adapts to changing resources, gives greater attention to sustainable behaviour and reduces the use of fossil fuel then there […]
Fun Quizzes by Planet Green
September 16, 2009
What's your oceans IQ? Test your smarts on ocean science, fishing, climate change effects and more. Know Your Marine Life? How much do you know about what's living in our oceans?
Ocean temperatures hit record high for July
August 21, 2009
Combined land and ocean surface temperatures for the world are fifth warmest on record The ocean surface temperature was the warmest on record for July, according to the National Oceanic and Atmospheric Administration (NOAA) in the US. Incidentally, on 28 June 2009, the Hantu Blog recorded an underwater temperature of 31 degrees C, up from […]
Malaysian PM pledges US$1 million to save corals
June 11, 2009
NO ONE predicted that Prime Minister Datuk Seri Najib Abdul Razak's simple gesture at the World Oceans Conference in Manado, Indonesia, last month would create waves. By pledging US$1 million (RM3.5 million) to a fund to save corals in the Coral Triangle, the world's centre of marine life, he not only crested the waves of […]
Fishermen launch nationwide mangrove replanting program
June 8, 2009
DAPITAN CITY — Fishermen seeking to protect the Coral Triangle have launched a nationwide watershed and mangrove tree planting program here during the opening of the 57th Zamboanga del Norte Founding Anniversary. Dubbed as "Puno ko, Sagip-Buhay Mo," the project was spearheaded by the department of Agriculture (DA) through the Bureau of Fisheries and Aquatic […]


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From our 2017 Academy scholar Michelle Marcial: "I was a part of the first cohort of the Prancing Ponies Leadership Abroad Academy. Traveling abroad to begin with is already a big transition and this program will not be easy. However, you will learn a lot about your weaknesses, strengths, fears, discipline, goals, and ultimately perseverance. If I can emphasize anything it would be that this program is not a vacation, nor should you think it is one. You will work harder than you have ever worked before, you will be pushed beyond your limits and it is up to you if you embrace it or refuse to grow. The academy itself has a great mission, creating women leaders one girl at a time, but to make that into a reality it is not just how the academy decides to help make those women leaders but it is also on the girls to already have traits of a leader. If you are mature, hardworking, respectful and open minded to becoming the best who you could be then this might be the program for you."
The Prancing Ponies Leadership Academy accepts up to 10 girls each summer for 6 weeks to learn life and leadership skills. The Academy accepts applications from girls who are in their 2 or 3 year engineering program in the US.
The Academy focuses on five fundamental areas of leadership instruction:
- Presentation skills: Creating & giving presentations. Self-brand management. Social media presence.
- Financial: Managing a budget and a P&L statement. Salary negotiation.
- Conflict Management: Using your intuition as a decision-making tool and managing inter-office dynamics.
- Mentoring: Individualizing their learning experience and providing guidance to optimal information integration.
The scholar's first year activity is an intensive Academy and Internship at Prancing Ponies Foundation during the summer. After graduation, the scholar then has to fulfill requirements to mentor a Prancing Ponies scholar that is a year younger than her and attend events throughout the year. We support the scholar with post graduation company placement and working with the company to ensure the scholar receives management/leadership training as quickly as possible after hire. Mentoring continues indefinitely.
Housing, a small stipend for meals and transportation along with all materials are supplied to the scholar during the Academy.
We are committed to 'Creating Women Leaders One Girl at a Time."
Applications for the 2019 Prancing Ponies Foundation Leadership-Summer Academy is now available.
Below are requirements to apply to this year's Academy.
- Available for the Academy dates of June 24, 2019 – August 1, 2019
- 2nd or 3rd year Engineering student at US University
The application process will consist of the following phases:
Phase I The application:
a. Written biography and resume (why you are a good fit for the program and what is your plan for optimizing your experience abroad)
b. Two recommendation letters (one from a current teacher and/or program manager and one from your parent/guardian)
c. Academic transcript
d. Financial certification
Phase II Verification/Validation:
Once your application has been reviewed and considered for progression through the process we will verify and validate all information provided including financial status. You may receive additional questions about the information provided during this phase.
Phase III In-Person interview:
All applicants are required to complete an in-person interview for consideration to the Leadership Summer Academy. Applicants will be contacted to meet the Prancing Ponies Interview team for an in-person interview via email.
Phase IV Acceptance/Decline:
All applicants will be informed of their acceptance/decline via email on or before April 2019.
If you'd like to receive updates please email our Leadership Academy team.
The Academy started June 19th in San Francisco and the girls will flew to Paris on June 24th to continue their 7 weeks of cultural immersion and leadership-development projects. Although we accepted high school girls last year, we are only accepting applications from 2nd and 3rd year University girls this year but we would love to share the experience from 2017 Academy with you. Meet our Graduates!
After completing a 20 hours of French language, communications, and investment management courses in the Academy in San Francisco, they were flown to Paris continuing the Academy with 40 hours of French language immersion and life strategies by native Parisian instructors from the Wi-School Paris. The Academy continued with their volunteerships at Leaders League 3 days per week in addition to investment management, and other leadership development projects. The girls also had 4 days a week to enjoy traveling throughout Europe which is also an important part of their international experience.
Prior to returning to the US, the rally fundraisers had the opportunity to meet our Academy scholars when our rally arrived to Monaco. This provided the girls an opportunity to talk to possible mentors and rev the engine of a Ferrari in front of the Monte Carlo Casino! The girls also had an incredible opportunity to meet the legendary Baroness Floella Benjamin of the House of Lords UK!
At completion of the Leadership Academy, the girls have solid experience with investment/budget management, communicating authentically, using their intuition as a decision-making tool, and basic French. The experience has surely change their lives forever and begin their path to becoming our future Women Leaders.
To receive email updates about the Leadership Academy 2018 please email our Leadership Academy team.
Please click here to donate and support 'Creating Women Leaders One Girl at a Time'.


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If you are interested in decreasing your depending on glasses after cataract surgery then Premium IOLs may be of interest to you.
Multifocal IOL
The Multifocal IOL is a Premium IOL that Dr. Schneider can implant during cataract surgery to provide a range of clear vision with a decreased dependency on glasses. Your nearsightedness, farsightedness, and need for reading glasses are all corrected with this IOL. If you have Astigmatism as well, there is now a combination Multifocal with Astigmatism correcting/Toric IOL.
Most patients who chose a Multifocal IOL find that they can read a book, work on the computer and drive a car day or night usually without the need for glasses. In fact, 78% of patients in a clinical study reported complete freedom from glasses. You may, however experience some visual disturbances that are unique to this IOL. Approximately, 10-15% of patients implanted with the Multifocal IOL experience mild to moderate halos around lights at night. This disturbance diminishes with time. Additionally, under low lighting conditions, many will require additional light for near activities. Despite these visual disturbances, patients with a Multifocal IOL are so pleased with their vision that over 93% say they would have the Multifocal IOL implanted again.
Astigmatism Correcting/Toric IOL
The Astigmatism correcting/Toric IOL is a Premium IOL that Dr. Schneider can implant during cataract surgery in patients with astigmatism. If you have astigmatism and chose the standard Monofocal IOL, you will need glasses or contact lens after cataract surgery to see clearly because the standard Monofocal IOL does not correct corneal astigmatism. The unique design of the Astigmatism correcting/Toric IOL reduces or eliminates corneal astigmatism and significantly improves uncorrected distance vision.
The Astigmatism correcting/Toric IOL platform has been implanted into 70 million eyes worldwide. This IOL offers freedom from glasses or contact lens for distance vision, however, you will still require glasses for near vision activities.


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Amazon Web Services Micro Instance MySQL Crash
I've been using Woocommerce 1.6.6 and found that my Amazon Web Service instance MySQL database would crash almost daily after I enabled Woocommerce.
The database would stop crashing and WordPress would be fine as soon as I disabled the plugin.
Has anybody else had a similar experience?
I would have thought that the software should just go slower rather than falling over even if I was running on a small server…
Is it worth trying out Woocommerce 2.0.1?
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2017 NFL Draft Grades: Denver Broncos Day 3 Picks
The Denver Broncos added depth on both the offensive and defensive side of the ball on day 2, but who did they draft on day 3 and was it enough to improve the team?
The Denver Broncos started their draft weekend by drafting Garett Bolles, offensive tackle from Utah with their first-round pick. This pick was necessary because they needed to add depth and talent to the offensive line.
There was a lot of talent still on the board for day two and the Broncos took advantage of that opportunities that were presented to them by filling some of their needs with some very talented players. They started Day 2 by selecting DeMarcus Walker, defensive end from Florida State who was an ACC standout during his senior season. Walker will help the defensive line by rushing the passer and providing depth at defensive end.
Denver utilized the third round to draft Carlos Henderson, a deep threat wide receiver from Louisiana Tech. Henderson was added to the team to help stretch the field and provide cushion for Demaryius Thomas and Emmanuel Sanders to run routes underneath the coverage.
The Broncos used their second third-round pick to add much needed depth to the secondary by drafting Brendan Langley cornerback from Lamar. He was a top flight recruit out of high school who originally signed his letter of intent with the University of Georgia. After a short stint with the Bulldogs, Langley decided to transfer to Lamar in hopes to receive more playing time.
Even with the first three rounds of the draft already completed, the third and final day consisting of Rounds 4-7, is still stocked full of talent. There was a lot of quality defensive players left on the board at the beginning of the fourth round a long with a plethora of running backs and receivers.
The last four rounds of the draft are very important because those are the rounds where teams can find solid developmental players for the future and quality depth for their roster.
Round 5, Pick 145: Jake Butt, TE – Michigan
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The Broncos didn't have a pick in the entire fourth-round due to a trade they made with the Cleveland Browns by sending their fourth- and seventh-round picks to Cleveland in exchange for two fifth-round picks.
Denver used their first fifth-round pick to snag Jake Butt, tight end from Michigan, who was considered one of the most talented tight ends in the draft. However, a torn ACL in which he suffered during the Orange Bowl caused him to slide in the draft.
Butt caught 138 receptions for 1,646 yards and 11 touchdowns during his four year collegiate career at Michigan. He finished his senior year with 546 yards and four touchdowns.
He is a well rounded player as he's a very good pass protector and can run multiple different types of routes. Butt was projected to be drafted somewhere between the first and second round before the injury.
Jake Butt
TE, Denver Broncos
Even with the ACL injury, Butt was still considered a third- to fourth-round pick, which means Denver received a massive deal by snagging him at No. 145 overall. Tight end was one of the team's biggest needs and Butt will improve the offense once he's healthy and ready to go. This is a great pick for the team, because they got a very talented prospect on a discount. The only question with this pick is when will Butt be healthy enough to contribute to the team.
Round 5, Pick 172: Isaiah McKenzie, WR – Georgia
The Denver Broncos used their second fifth-round pick to draft Isaiah McKenzie, wide receiver for Georgia. McKenzie is expected to compete for punt returner duties and can contribute to the team as a slot receiver.
McKenzie caught 44 receptions for 633 yards and seven touchdowns during his junior season which was his final year in college. He wasn't a massive producer in college, but he made his money as a punt returner by returning 59 punts for 692 yards and five touchdowns during his collegiate career.
He ran a 4.42-second 40-yard dash at the combine, ranking in the 83rd percentile amongst wide receiver prospects. McKenzie is very shifty and his short area quickness allows him to avoid defenders with ease.
Broncos is in need of a solid punt returner, mainly because the longest return they had last season was a dismal 25 yards. Getting a punt returner who can consistently pick up a few extra yards with every return can help the offense by allowing the team to start their offensive drives with better field position.
Isaiah McKenzie
WR, Denver Broncos
Punt returner is a need that could have been addressed later in the draft or possibly by bringing in a few undrafted free agents. Not to mention the team drafted Carlos Henderson in the third round, who is more than capable of returning punts. McKenzie is quick, but he doesn't have the skill-set to hang with NFL level corners as the team's slot receiver. Denver should've used this pick to add depth to the offensive line considering it is the biggest need of the team.
Round 6, Pick 203: De'Angelo Henderson, RB – Coastal Carolina
The Denver Broncos used the 19th pick in the sixth round to select De'Angelo Henderson, running back from Coastal Carolina. Denver averaged 3.6 yards rushing last year as a team and, by adding a talented running back in the later rounds of the draft, could help ignite some positive competition in the backfield.
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He's Coastal Carolina's all-time record holder with 4,635 yards rushing during his entire collegiate career. He also rushed for 58 touchdowns while averaging 6.43 yards per carry. Henderson was a very productive receiver out of the backfield with 97 career receptions.
Henderson is a short stalky back standing at 5-7 while weighing 207 pounds. His 4.48-second 40-yard dash suggest that he has enough speed to fly by defenders in the open field. He may not be an elite prospect but he does have enough talent to make a positive impact for the team if given the opportunity.
De'Angelo Henderson
RB, Denver Broncos
It wasn't a bad idea drafting a running back in the sixth-round to elevate the competition in Denver's backfield, but there were a few running backs left on the board when it was Denver's turn to pick that were more talented than Henderson. For instance, Elijah Hood who fell to the Oakland Raiders is a more talented prospect when compared to Henderson and has experience playing against tougher competition in the ACC.
Round 7, Pick 253: Chad Kelly, QB – Ole Miss
Denver used their seventh-round pick which was the last pick in the draft at No. 253 overall to select Chad Kelly, quarterback from Mississippi, making him Mr. Irrelevant in this year's draft class. The Broncos drafted Kelly to develop his skills as the third string quarterback on the depth chart and to one day compete for the team's starting quarterback position.
Kelly started his junior and senior season for Ole Miss, passing for 6,800 yards and 50 touchdowns. Around this time last year he was considered one of the top quarterback prospects in the nation but a dismal senior season curtailed his draft stock.
He's the nephew and god son of Jim Kelly, which is more than likely one of the reasons why he got drafted by the Broncos. Usually, the players that are drafted as the last pick in the draft do not carry much notoriety with them.
But by being one of the top quarterbacks in the nation at one time, Kelly becomes one of the most well known prospects to ever be drafted as the last pick of the draft.
Chad Kelly
QB, Denver Broncos
This is an incredible talent to land with the last pick of the draft. He may never become the team's franchise quarterback, but there's a chance he could develop into a solid backup quarterback. Most players who get drafted this late in the draft usually don't carve out a career in the league, but Kelly is talented enough to stick on the Broncos roster. This addition will eventually create more competition at the quarterback position for the Broncos.


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Practical responses
Palin vs Arnie
December 18, 2009 3 comments
An infuriated unspeak.net reader writes: ((Thanks to sw. Readers' letters may be edited for length and/or comic-but-potentially-libellous obscenity.))
I was reading [this] and getting infuriated for so many different reasons — not the least of which is that Palin gets almost daily coverage of her Facebook comments in the press.
And now, thanks to infuriated reader, Sarah Palin is getting coverage of her Facebook comments on unspeak.net. In your face, news priorities! Anyway, infuriated reader continues:
Amongst the many phrases that disturbed me, I particularly enjoyed this passage:
"While I and all Alaskans witness the impacts of changes in weather patterns firsthand, I have repeatedly said that we can't primarily blame man's activities for those changes," she wrote. "And while I did look for practical responses to those changes, what I didn't do was hamstring Alaska's job creators with burdensome regulations so that I could act 'greener than thou' when talking to reporters."
It is extraordinary for a number of reasons, not the least of which is that there is a rhetorical switch from the description of a purported communal experience to a self-quotation that seeks to imply a factual basis for that experience through self-quotation, in which her "I have repeatedly said" suddenly becomes almost God-like in its insistence that what she says is therefore the actual fact. It is as if she wrote, "While I and all Alaskans have weathered many storms, I have repeatedly said that snow is just a form of water." I think it would be tempting to consider, however, two snippets of unspeak: "practical responses" and "job creators". Any thoughts?
Thank you, infuriated reader of unspeak.net! Well, yes: 1) I am pretty sure Palin has never referred to "job destroyers" when Alaskan companies are firing people; and 2) "practical responses" evidently unspeaks reduction of CO2 emissions as outwith the realm of the practical. (This is a perfect example of the normal use of practical in political speech, where it is shorthand for "what I am prepared to do, for reasons that have nothing to do with an honest comparison of the practicability of various alternatives".)
I note that Palin also wrote: "Perhaps he [Arnold Schwarzenegger] will recall that I live in our nation's only Arctic state", apparently arguing that, because she lives in a place closer to one of the poles, Palin therefore knows more about global warming than does the governator. By that logic, penguins ought to know more about global warming than Sarah Palin. (And actually, they really do?)
I note further that Palin wrote:
Climate change is like gravity – a naturally occurring phenomenon that existed long before, and will exist long after, any governmental attempts to affect it.
An imaginary scientist ripostes: "Nuclear fusion is also a naturally occurring phenomenon that existed long before, and will exist long after, any governmental attempts to affect it. But we can also make it happen in ways that are quite dangerous to us."
Finally, my eye kept returning to the headline given to the newsy announcement of exciting-news-from-Sarah-Palin's-Facebook-page, which reads: "Palin Fires Back At Schwarzenegger". It's as though she has never seen Commando or Raw Deal. Dude, there really is no point firing back at Schwarzenegger? He will kill you just the same!