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By Neha Agarwal March 19, 2018
Any money that is borrowed from a foreign source or foreign institutions (for entities that are eligible to take them as per RBI guidelines and other laws governing such borrowings) the objective of which is to finance the commercial activities in India is known as 'External Commercial Borrowings'.
It can be:
- Loan from a foreign bank such as HSBC Hong Kong or Standard Charted London etc.
- Loan by an importer-buyer for payment of imports in India from foreign banks or financial institutions – Buyers' Credit;
- Suppliers' credit;
- Securitised instruments such as floating rate notes and fixed rate bonds, non-convertible, optionally convertible or partially convertible preference shares / debentures);
- Foreign Currency Convertible Bonds (FCCBs);
- Financial Lease; and
- Foreign Currency Exchangeable Bonds (FCEBs).
From a lower single digit, foreign commercial borrowings now constitute 38% of India's external debt of over $470 billion. (Data can be found here).
ECBs are an added source of financing for most of the Corporate India. The Government policy emphasizes ECB investments in industrial sectors and strategically core sectors such as aviation, power, infrastructure, telecom, railways, road, etc.
ECB are an attractive source of financing the businesses in India as it provides access to loan at cheaper rates of interest outside India. The interest rates of RBI for commercial borrowings are high when compared to other countries. (Latest rates here)
However, not all the entities can take benefit of ECBs- As they increase the external debt of the country; it has to be in sync with the foreign exchange reserves. Regulatory policies regarding ECBs and all the procedural requirements are set out by Reserve Bank of India. Some entities are required to take the approval of RBI and borrowings subject to such approval are through "approval route", others just need to comply with the procedures and no approval is required, such borrowings are through the "automatic route".
How are ECBs different from Foreign Direct Investment?
ECB means foreign funding which is not in the form of equity. When it is used in the form of equity capital then it is called Foreign Direct Investment (FDI). Any Investment made towards core capital of an organization such as equity shares, convertible preference shares or convertible debentures. We should note here that those instruments which can be converted into equity are called convertible. The convertible instruments are covered under the FDI Policy.
Any other direct capital is not allowed in ECB.
ECB Framework –who can borrow? Who can lend? And where can the money be utilised?
Eligible borrowers-entities entitled to raise money thorough ECBs
- Manufacturing and development sector, i.e. in "real" or industrial sector
- SIDBI- Small Industries Development Bank of India;
- Units in Special Economic Zones (SEZs);
- Shipping and airlines companies;
- Export Import Bank of India (Exim Bank) (only under the approval route)
- Non-Banking Financial Companies (NBFCs;
- Companies in infrastructure sector;
- Holding companies;
- Core Investment Companies (CICs);
- Real Estate Investment Trusts (REITs) and Infrastructure Investment Trusts (INVITs) coming under the regulatory framework of the Securities and Exchange Board of India (SEBI);
- NBFCs-Micro Finance Institutions (NBFCs-MFIs), Not for Profit companies registered under the Companies Act, 1956/2013, Societies, trusts and cooperatives (registered under the Societies Registration Act, 1860, Indian Trust Act, 1882 and State-level Cooperative Acts/Multi-level Cooperative Act/State-level mutually aided Cooperative Acts respectively), Non-Government Organisations (NGOs) which are engaged in micro finance activities1;
- Companies engaged in miscellaneous services viz. research and development (R&D), training (other than educational institutes), companies supporting infrastructure, companies providing logistics services;
- Developers of Special Economic Zones (SEZs) or National Manufacturing and Investment Zones (NMIZs);
Note: There are three tracks which set out the minimum average maturity (MAM) period- the above listed borrowers fall into different categories of such track thereby having different MAM period.
Eligible lenders-
- International banks;
- International capital markets;
- Multilateral financial institutions (such as IFC, ADB, CDC, etc.);
- Export credit agencies;
- Suppliers' of equipment;
- Foreign collaborators and
- Foreign equity holders (other than erstwhile OCBs).
The basic end –use for which ECBs can be utilized, is on capital expenditure in the form of import of capital goods, New project; Modernisation or expansion of existing units in the Indian "real" sector (which is the Indian Industrial sector), infrastructure and specified service sector hospital, hotel , etc.
ECBs cannot be utilized for –
- On-lending or investment in capital market or acquiring a company (or a part thereof) in India by a corporate;
- Investment in Special Purpose Vehicles (SPVs), Money Market Mutual Funds (MMMFs), etc,
- Real estate sector, working capital, general corporate purpose and repayment of existing Rupee loans.
- Guarantees
(Issuance of guarantee, standby letter of credit, letter of undertaking or letter of comfort by banks, Financial Institutions and Non-Banking Financial Companies (NBFCs) from India relating to ECB is not permitted).
ECB limits- Under automatic route for -
- Infrastructure sector , real –industrial sector up to USD 750 million
- Software development sector, hotels, hospitals –up to USD 200 million
- Micro finance activities – up to USD 100 million
- A company or other remaining entities (other than a financial intermediary, registered under the Companies Act, can raise up to USD 500 million in a financial year.
If the above mentioned limits are exceeded then the approval route has to be taken.
Generally, companies can borrow under the automatic route. Approval needs to be taken under the following cases:
- When a service sector company which is not in hotels, hospital or software services example R&D, Training institutions, etc.;
- SEZ developers (wanting to provide infrastructure facilities in the SEZs) Co-operative societies, financial institutions or banks;
ECB which are not covered under the automatic route are subject to approval by the RBI and depends on case to case basis.
Process to avail ECB
Under the automatic route, borrowers have to submit Form 83 to the designated AD cat 1 bank to obtain a Loan Registration Number (LRN). The AD forwards form 83 to RBI Department; loan can only be availed after LRN is issued.
Under the approval route, the borrower has to submit an application in Form ECB to RBI. After examination of the application, permission may be granted.
(For more details check here)
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Legal , External commercial borrowings , ECB , foreign , loan , FCCB , FCEB
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He Wenjie
Chinese Name: 何文杰
Gender: Male
Age: Unknown
City: Yanqi County
Province: Xinjiang
Date of Death: 2003-04-13
Date of Most Recent Arrest:
Most recent place of detention: Sishiliting Forced Labor Camp
Case Description:
Falun Dafa practitioner Mr. He Wenjie was around 30 years of age and lived in Yanqi County, Xinjiang Autonomous Region. He went to Beijing to appeal in 1999. After he returned to Yanqi County, Liu Peilin from the Yanqi County Police Department and Li Dong, Secretary of the Yanqi County Politics and Law Committee, illegally detained and sentenced him to four years of forced labor. On April 13, 2003, he was tortured to death at Sishiliting Forced Labor Camp in the Kuerle area in Yanqi County, Xinjiang Autonomous Region.
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Chinese version available at:


text: Adirondack Mountains, Photo Credit: Stacy MojicaHow can we not be moved by the changing seasons? I'm sharing a lovely, inspiring poem from a friend and guest poet, who is enjoying the fall foliage of upstate New York. The Engagement of Gaia and the North Wind by a Maple Tree by Stacy Mojica Dawn awakens the world with a… Continue reading Gaia and the North Wind


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Reuniting lost pets with their owners is the best feeling ever.
UPDATE: I am happy to report that Sammy was picked up by Palm Coast Animal Control on Friday, Dec. 18, at the Palm Landing Apartments in Town Center. He was taken to Flagler Humane Society, and has been reunited with his family.
On Monday, Nov. 23, Sammy dug under a gate to go exploring. He hasn't been home since.
From his photo, Sammy looks to be a corgi/Labrador mix, and well cared for. He is 11 years old but still very active—too active—and loving. You all know how I feel about corgis! He was adopted from the Flagler Humane Society by Misty Alexander when he was six weeks old. He's neutered, and has a microchip.
We have all had the experience, the sinking feeling when a dog, or cat, slips the collar, darts out of the house, or digs under the fence. It doesn't mean the owner isn't a good owner. It means pets are faster, and sneakier, than we are.
Shortly after we took custody of Kodi for our son, who was headed off to Africa in the Peace Corps, Kodi tried to run away. Well not really run, he darted out the door and jumped into the back of the UPS truck while my husband was accepting a package. We were lucky.
My heart goes out to Susan Percopo-Fuentes, not only because the dog is still missing, but because she was watching Sammy for her friend.
I spoke to Susan recently, and she told me posters went up immediately. She filed a missing pet report with the Flagler Humane Society and posted on multiple social media sites. The only response she received was on Thanksgiving Day when someone called to say they saw, and spoke to, someone who put Sammy in their car to take home, feed and clean up. Then they were taking him to the humane society. Susan and Misty have gone to the shelter many times, hoping to find him.
The folks who picked him up helped keep him safe from harm. If the shelter was closed when they found him keeping him until the next day makes perfect sense. But now, it's time for Sammy to go home. There's a 4-year-old girl, Raelyn, who misses her pup.
To return Sammy to his home, call Susan at 569-7296; Misty at 864-1273; or email me [email protected].
I guess I am hoping for a Christmas miracle for Sammy's family. He's been gone almost a month, but I'm an optimist. I want to hear that he has been found and reunited with his family.


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Prayer for COCINA
Our Ministry in Haiti needs your prayer. We covet your prayers to see lives changed in Haiti.
Current Praise Items
We are thankful to God for His faithfulness! Please thank Him for the following blessings:
- Christ Community Chapel in Hudson, Ohio gave a substantial gift to COCINA
- We have had several donors and supporters step up to help finalize getting a donated ambulance to Ouanaminthe, along with all the necessary equipment and training for the staff at Unvers Medical Center
Current Prayer Requests
Please pray for the following needs:
- Pray for wisdom for COCINA's Executive Committee and Board as they take on the challenges of a growing ministry.
- Pray for strength and encouragement for Hugues, Joe, and Jaccin in faithfully doing the Lord's work.
- Pray for more opportunities to share our work with new foundations and churches.
- Pray for the teachers at IU – for encouragement, faithfulness, and steadfastness in their commitment to the Lord and their students.
- Pray that each of our students would grow in faith, hope, and love.
- Pray that we will meet our commitment of $550,000 for supplementing the operations of the school and clinic.


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« November 2010 |
| January 2011 »
Some exercises and question to go with this really inspiring short film by an Argentinian director Carlos Lascano. Well worth using in A-Level/GCSE classes.
Download LA LEYENDA DEL ESPANTAPÁJAROS - bw sheety
Posted at 10:34 PM in AS/A2 Spanish, Short films, Spanish resources, Year 11 Spanish | Permalink
Comments (0)
| Reblog
I'd wanted to do something like this for ages. This is a whole lesson & homework which begins with revision & exercises on the imperfect tense and continues to a story where i send my year 11 off to some of Spain's worst hotels. Each student has a genuine tripadvisor.es review to translate and then a written task where they use the imperfect tense to describe their own stay at these hotels. Some of the lesson is BVGS specific but should be quite easy to adapt to your own classes. Save zip file first and then open it.
Download Fecha
Posted at 03:45 PM in AS/A2 Spanish, Spanish resources, Year 10 Spanish, Year 11 Spanish | Permalink
Comments (0)
I made this webquest for an ICT lesson at the end of a module on Sports/Hobbies. I used 2 Spanish polideportivos' websites and ScreenPresso to make the screenshots for the 2nd one. The questions are all linked to getting info about timetables, activities etc & answers for teachers underneath. Save zip file first and then open it.
Download Los polideps Download LOS POLIDEPORTIVOS (Autosaved)
Posted at 08:45 PM in Spanish resources, Year 10 Spanish, Year 11 Spanish, Year 8 Spanish | Permalink
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Lingualicious is a collection of resources that have worked best in the classroom along with a few other ideas & links. Hopefully all Spanish & MFL teachers can find something useful here; some are specific to my School (often my long-suffering yr 11s in silly cartoons) but please comment on & download anything you find here. I'll be updating as much as possible but go back to the older resources too as they are some of the ones I've found most effective. If you have problems with any of the presentations because of your version of Office, let me know and i'll put a 2003 version on here. Save the zip files first and then open them. Anyway hope you enjoy some of my stuff. Oh ..and join Joe Dale's MFL twitterati - really good group for sharing new ideas and advice on everything MFL.
Posted at 06:43 PM | Permalink
Comments (3)
Part of a relentless campaign to improve vocab retention. These are slides with vocab/picture matching exercises + some extension tasks for most topics. Save zip file first and then open it.
Download Practice yr 1144a
Posted at 12:54 AM in Spanish resources, Year 10 Spanish, Year 11 Spanish, Year 8 Spanish | Permalink
Comments (0)
Ana Tijoux is a Chilean rapper whose latest album 1977 has won her a Grammy nomination. This is one of the songs from the album and you can check out her website here http://anitatijoux.com/
Posted at 03:20 PM in Music | Permalink
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2nd worksheet using google street view to practice instructions in Spanish using the city of Granada. Updated for 2013 as the nice people at Google maps updated their photos without telling me!
Download Directions-granada
Posted at 06:22 PM in AS/A2 Spanish, Spanish resources, Year 10 Spanish, Year 11 Spanish | Permalink
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Category: News
Letham Gymkhana 2017 – results
The weather was very kind to us for the Letham Gymkhana this year, and our first event in partnership with the Fife Riding Club was a great success. Veteran Woodrow Snips showed the young ones how it was done, and swept up all the points trophies on the day, sharing the games trophy with Merri!
See the full results here: Gymkhana Results 2017
Plum, Apples and Pears for sale
Letham Flower Show Detailed Results
Letham Flower Cup Winners
Toddle to Toddlers
Letham Toddlers restarts this Wednesday 16th £2 per child in the Hall. Toast and drink provided. 9.15-11.15am. Any queries get in touch with Debbie Ssmiles
The Letham and District Horticultural Society's Annual Garden Competition held on 1 August proved once again to be very popular.
Despite the poor growing conditions affecting all the competitors, the garden competition attracted an increased number of entries in all its sections. There were a number of new entrants which was very encouraging and the judge, Roy Daniels of Kirkcaldy had a difficult task in selecting the prize winners.
The Tubs and Hanging Basket category all presented a riot of colour and range of flowers and the judge commented on the good use of both plants and colour in the displays.
The Landscaped Garden Competition as always proved popular with a large variety of designs and themes with all the gardens showing a vibrant display of colour, foliage and well-maintained lawns.
The Vegetable Gardens provided proof of the quality, variety and quantity of produce the keen gardeners had grown.
The hard work and enthusiasm of the competitors made it a rewarding day for the judge and the quality of the flowers and vegetables seen in the competition suggests there will be some close competition for those entering the 115th Annual Flower Show at Letham Village Hall on Saturday 12 August which opens to the public at 2.00pm.
Can we remind any entrants that our Cut Flower Section is an Open category to any resident within Fife. Any queries to Alison McDonald, Secretary Telephone 01337 810250.
Best kept and cropped Vegetable Garden
Winner receives the Paterson Shield
1st – Miss A Irvine, Prosen, Coaltown of Burnturk
2nd – Mr L Wheelans, 12 Lorraine Drive, Cupar
3rd= – Mr J. Duncan, 1 Lomond Crescent, Falkland
Mr D Ellis, 8 Crawford Park, Springfield
Best Kept Flower Plot
Winner receives the Brunton-Kidd Medal
1st – Mr A Lumsden, Carrack, Brighton Road, Cupar
2nd Mrs J Ellis, 8 Crawford Park, Springfield
Best Landscaped Garden
1st – Lady J. Spencer-Nairn, Barham, Bow of Fife
2nd= – Mr & Mrs J Hutchison, Collairnie House
Mrs J Guy, Crawley House. Springfield
3rd – Mr D Dallas, Monimail Road, Letham
1st – Mrs C Sutherland, Catherine Cottage, Giffordtown
2nd – Mrs J Ellis, 8 Crawford Park, Springfield
3rd – Mr Ronaldson, Roselea Terrace, Ladybank
Best Onion Bed
1st Mr J Duncan, 1 Lomond Crescent, Falkland
2nd Mr L Wheelans, 12 Lorraine Drive, Cupar
3rd Mr B Lawrie, Main Street, Dunshalt
Best Onion Sets
1st – Miss A Irvine, Prosen, Coaltown of Burnturk
2nd Mr L Wheelans, 12 Lorraine Drive, Cupar
3rd – Mr D Ellis, 8 Crawford Park, Springfield
Best Tub or Pedestal of Flowers
1st – Mr T Tasker, Park House, Pitlessie
2nd – Mrs J Ellis, 8 Crawford Park, Springfield
3rd= – Mrs C Sutherland, Catherine Cottage, Giffordtown
Mr R McConnell, Sawmill Cottage, Coaltown of Burnturk
Best Hanging Basket of Flowers
Winner receives the D & J Drummond Shield
1st – Mrs J Ellis, 8 Crawford Park, Springfield
2nd = – Mr R McConnell, Sawmill Cottage, Coaltown of Burnturk
Mr S Player, Rankeilour Mains, Bow of Fife
3rd Mrs V Fenton, Ballantager, Letham
Letham Flower Show 2017 (Children's Category)
Well done to all those who entered the recent Letham Primary School Children's Sunflower and Potato Growing Competitions.
The Potato Growing Competition, sponsored very generously by Freuchie Garden Centre, proved very popular and attracted 21 entries and the winners were 1st Skye Cuthbert Bow of Fife (1148g); 2nd Logan Fenton, Ballantager, Letham (951g) and 3rd Fraser Armstrong, Letham (836g).
There were also 21 sunflowers entered and the winners were 1st Sam Brincat, Letham (height 225cm); 2nd Madeline Smiles Letham (height 220 cm); and 3rd Rory Hamilton, Letham, (height 217.5 cm)
Hopefully this enthusiasm from the children will attract a good entry to the Childrens' Section of the annual Letham and District Horticultural Society Flower Show and Industrial Exhibition taking place in the Letham Village Hall on Saturday 12 August. For those wishing to attend the Show it opens to the public at 2.00 pm.
Waiting/Parking Restrictions 7th-11th Aug 17
Cllr Heer has kindly notified us of a temporary waiting restriction on The Row, Letham (for some reason Council officials didnt see fit to advise those of us that actually live in the village!) It is in force daytime Monday- Friday on 7th -11th August 2017. Whilst the order is in force it doesn't mean that it will apply the whole length of the Row at the same time- it is to allow installation of the new lamposts.
Letham Gymkhana 2017
This year's Gymkhana is being run in partnership with Fife Riding Club at their club field in Glenrothes (just off the A92 at Western Avenue). Fife Riding Club have some great facilities with eight acres of grass, two large all weather arenas, a spring turf arena and a sand schooling area. The club holds regular events for members and a number of open shows throughout the year. For more info and directions go to http://www.fife-riding-club.co.uk
The Letham Gymkhana schedule is now ready, so you can start planning for the day. Remember that you can save a bit of money by entering in advance to get a reduction in your entry fees.
Looking forward to seeing you there!
Click here for the – Gymkhana schedule 2017
Click here for a poster to display at your yard – Poster 2017


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BATTLETECH Free Download game
At Gamescom 2017, we could get our hands on a further developed form of BATTLETECH Download, the Harebrained Schemes diversion that was taken under the protection of Paradox, known for the selection of its quality recreations. at the level of what they distribute that of what they create.
Description of the game
We began by having a little introduction of the BattleTech permit, which was conceived on paper in the 80s and which has enormous wealth by its unique help, as well as by the numerous imitations it has known: computer games, kid's shows, books, funnies … this made Battletech's permit to a great degree well known at the time.[foogallery id="4376″]
Story of game
The group chipping away at Battletech is fortunate to have Jordan Weisman among them. This is the first maker of the Battletech permit, in the 1980s. Having Weisman among them gives them a great deal of opportunity for the production of the amusement, not starting over a few parts of it, since they leave promptly based on the permit. They should not transform anything later to be acknowledged by the reasoning heads.
The amusement was initially planned for late 2017, yet it was put off until the point when spring 2018 to achieve the quality standard that engineers need for their diversion. So here we have a two-advance amusement, with a general battle framework where we move in space, growing its base and its group, and the turn-based battle that contradicts the mechhas to the adversaries. At the level of battle, there are numerous things to consider.Did you like this tool? If so, please share!
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Throughout the development, our backers were clear: "Do not rush, give us a great game". And we took these tips to heart. HBS, Paradox and our supporters all have a personal commitment to this project and we are committed to providing a game that meets the expectations of our fans.
BATTLETECH Free Download game


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Reproduction of two works by Vladimir Kush
Hello again friends, as always it is a pleasure to show you the work we do in copiamuseo.com. Today we show you two works by Vladimir Kush that we have made for a client, as always a lover of painting. Say hello to Nacho.
Vladimir Kush's works are in high demand in copying.
Nacho, like many people I've had the pleasure of meeting only on the phone, is a lover of painting and a scholar, thank you very much for counting on us.
Vladimir Kush
Kush was born in Moscow. He began to sculpt and show his artistic capacity at the age of three or four. His father, Oleg, encouraged his son to develop it. He began attending a fine arts school at the age of seven and entered the Moscow Art Institute at the age of sixteen. His style is inspired by great artists such as Monet, Botticelli, Bosch, Van Gogh, Dürer, Schinkel, Vermeer and Dalí.


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The Managing Director and Chief Executive Officer of Pax Herbal Clinic and Research Laboratories has disclsoed that his company is initiating a deal to commence certficate and degree courses in Herbal Medicine.
The three universities according to Adodo are Samuel Adegboyega University, Ogwa, Edo State, University of Medical Sciences, Ondo and the University of Ibadan. He mentioned that University of Medical Sciences is already in the process of introducing bachelor's degree in herbal medicine.
According to him, while Samuel Adegboyega University is planning to introduce a higher certificate programme in Herbal Medicine, the University of Ibadan has already approved and commenced Masters degree and PhD programs in African Traditional Medicineat its Institute of African studies.
He also mentioned that his company has begun to collaborate with UI's Institute of African Studies to offer a professional certificate course in Herbal Medicine.


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What Mother's Day is like in Guatemala
Mother's Day, or Día de la Madre, takes place on the 10th of May in Guatemala. This holiday shares the same purpose all around the world, but the ways of celebrating differ from country to country. Today we want to tell you a bit more about what Mother's Day is like in Guatemala. With special thanks to our volunteer and Spanish student, Myrte Kok, who took the time to conduct an interview about el Día de la Madre with her Spanish teacher Gladys.
Gladys tells us that Día de la Madre is very important in Guatemala. "Mother's Day is celebrated to recognize all the work that mother's do. Not only around the house, but for the children and their husbands as well".
In Guatemala, single-parent families are quite common. These Super Moms and dads deserve some extra appreciation and acknowledgement. As Gladys says: "Many mothers should be admired, as they are a mother and a father at the same time. There are also many fathers in Guatemala that will take care of their children as the mother is not around. Día de la Madre is a celebration for them as well". What is important is that the hard work and care of every mother figure is recognized and celebrated on this special day.
"On the Día de la Madre, most mothers have a day off in Guatemala, because their children do not have school. Remember that their teachers are mothers too, and thus they do not have to come to work on May 10th". What is interesting is that instead of the kids, the mothers go to school on Mother's Day! Especially for them, a cultural morning is prepared by the kids. They have prepared acts like dancing or poems dedicated to their moms. The mothers go to school to enjoy all of this and a refreshment.
Besides this, it is tradition to have a family dinner in a restaurant on the Día de la Madre. There are no typical types of food. You'll just have whatever mom likes best! "All the restaurants are filled with mothers, and they all do something special. They give flowers, for example, or the desert is for free".
Breakfast is less important, but also special. For once a year this is prepared by the kids, because it is (as Gladys says) simple: "black beans, eggs, plantains, cheese, creme and orange juice, coffee or hot chocolate, nothing more". Whatever you would call simple! At breakfast mothers receive their gifts. When the children are younger they will make these at school. It is rare that they get to use new materials, but with some creativity and imagination beautiful gifts can be crafted.
Myrte asks Gladys if she has anything to add about the Día de la Madre. Gladys reminds us of the most important thing: "the bond between a mother and her child is one without a specific purpose or goal. It is a pure kind of love. We cannot compare it to the love from a husband or boyfriend or any other person. Never. In no case. Mother's Day is a beautiful day, but for me every day is special and so every day should be a Día de la Madre."
To celebrate and support the moms of Guatemala, Niños de Guatemala developed a special Mother's Day campaign. If you donate via GlobalGiving now, you will receive a special Certificate of appreciation which you can give to your mother on Mother's Day. This certificate includes a personal thank you note from one of our moms and a description of the impact that the donation made in our schools. With your donation, we can give the mothers of our students the joy of seeing their children develop. What could be a more beautiful gift to your mother than helping another mom in her honor?


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Bob Parks (@bobparks) writes from the hills of Vermont. He is an avid runner (2:54:20, Boston Marathon, 2014) and a huge fan of new inventions.
What Are the 5 Best Portable Coolers?
The push for portability has led designers to create lightweight cooler bags, backpacks, and beer hoppers that promise to get you far off the trailhead with enough provisions to share.


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Thanks to the cooperation of the National Book Critics Circle (NBCC) and Creative Writing at The New School, as well as the tireless efforts of our students and faculty, we are able to provide interviews with each of the NBCC Awards Finalists for the publishing year 2016.
Bradley C. Bergan, on behalf of Creative Writing at The New School and the NBCC, interviewed Jane Mayer about her book Dark Money (Doubleday), which is among the final five selections in the category of Nonfiction for the 2016 NBCC Awards.
Racism, forced emigration and ICE, healthcare, mass incarceration, big oil, climate change deniers, the evisceration of the EPA, Russian espionage, corruption, double-talk, lies, greed and "fake news" are just a few items on the seemingly endless list of antagonisms we face in contemporary US politics as the Trump administration and its alt-right populist base rip the establishment apart with infinite untruths. But there's a maximum depth to this maelstrom; an outer limit to the madness.
Dark Money is the story of how old-fashioned values long-touted as fundamental to American identity — liberty, free trade and the right to self-determination — were brought from nouveau-riche sentiments of Gilded-Age ideologues into the arch-conservative mainstay of a new GOP, and how this paved the golden road to Trump's surreal administration.
Jane Mayer is a thirty-year veteran of political journalism who has reported for The Wall Street Journal and is currently a staff writer for The New Yorker, where she first outed the Koch Brothers' multifarious usurping of nearly every political stage in her 2010 essay Covert Operations. In her book she gives a panoptic account of the history, strategy and tactics of the alt-right, and tacitly suggests, despite their rotten ends, that the now-stymied left learn from the Koch Brothers' and others of this "totalizing new generation of philanthropists," if we desire a better future.
Bradley C. Bergan: Your book's title, Dark Money, is clearly endemic of the dark reality contemporary politics faces today. Will you briefly describe the specific sense in which it relates to the Koch Brothers, and the evolution of the GOP in the 21st century?
Jane Mayer: The title refers to a specific term of art in politics today, describing money spent by donors who want to manipulate our democracy without the public knowing who they are, or what they are up to. As many know, that kind of spending exploded after the Supreme Court's 2010 decision in the Citizens United case. But there was much more to the story. Well before then, a handful of extraordinarily rich and determined conservatives set out to impose their minority views on the majority of Americans by investing millions of dollars in the project, often with very little public awareness that this was going on. Among the leaders of this moneyed movement were the billionaire brothers Charles and David Koch whose progress I follow in the book, along with that of several of their major allies. When they started spending in the 1970's they were considered almost the lunatic fringe, but today, the GOP very much reflects their conservative libertarian influence. While Donald Trump was not their choice of candidate, his administration is now rife with their allies and operatives, as are both houses of Congress, the courts and state legislatures.
BB: Do you think there is an analogous relationship between the Koch Summit 2009's ambivalent conservative divide, and that of the Democratic party's current schism, with centrist liberalism (Clinton-Obama) on one side, and radical socialism (Bernie Sanders) on the other? What are some of the major differences in how these two groups do politics? Which strategies in the Democratic party do you deem more prudent as we go forward?
JM: The Democrats today are ironically in much the same position that the Republicans found themselves in after Barack Obama's election in 2008, in that for the Democrats, Trump represents the ultimate threat to their belief system, as Obama did for conservative Republicans. While there are clear divisions within the Democratic Party, if anything, Trump is providing a unifying force, temporarily at least uniting the different factions in their opposition.
As for their different tactics, the progressive, Bernie Sanders wing of the party has proven more adept at raising small donations from wide numbers of supporters. The more establishment wing of the party is still very much reliant on huge donors. Inevitably this orients them around different policies, with the establishment much more friendly towards Wall Street, business, and free trade. For the time being, until something can be done to reform campaign finance laws, the Democrats are going to remain divided over this, because it's so expensive to get elected. It's going to be hard for the party to break entirely with its big donors. For this reason, I think campaign finance reform – while it may sound boring – is really of paramount importance.
BB: You projected the political war chest accumulated by the Kochs and small circle of friends at $889 million in 2009, compared to the $11 million (adjusted for inflation) funding of Nixon by Balz during Watergate. Where would you put that war chest now?
JM: It was actually the Kochs themselves, not I, who projected they would raise $889 million in 2016. At this point, with their combined personal fortunes worth approximately $84.5 billion, Charles and David Koch have for all practical purposes virtually unlimited funds, should they decide to spend them. But that said, the big problem for them in 2016 was that they didn't have a presidential nominee who they deigned to back. Whether there will be one more to their liking next time around, remains to be seen. Vice President Mike Pence, for instance, has always been one of their favorite politicians. Should he run for president in the future, my guess is that they'd raise a fortune for him.
BB: Since Trump took office, we've seen republicans in Iowa begin to dismantle the State's collective bargaining law, setting back its public sector unions 40 years, leaving 185,000 public workers unable to bargain for benefits, healthcare, vacations, retirement, and most other workplace issues outside of wages (Source: In These Times ) . Is this a step toward patrimonial capitalism? What methods should we expect to see the Trump administration (and the GOP) take to expand its regressive form of capitalism? How can the Left fight it?
JM: I think the Left could learn a lot by studying the playbook of the Right, and that used by the Kochs in particular. They were smart in approaching politics from many directions and on many levels at once. When their prospects were poor at the federal level in Washington, they flooded local and state races with money, eventually helping to flip the majority of state legislatures and governorships their way. Once they achieved that, their side gerrymandered congressional districts all over the country, safeguarding their gains. More importantly, the Kochs and other Right wing activists thought broadly about how to dismantle liberalism. They didn't just try to win elections, they tried to change the whole political debate in America by financing intellectuals, academic programs, think tanks, legal groups, publications, donor seminars, and many, many nonprofit groups. They basically funded a full-scale ideological war.
BB: You define 501(c)(4) as the IRS code for a tax exempt "social welfare" group allowed to participate in politics so long as it's not the group's primary focus. But it seems corporate "philanthropy" is predominantly a euphemism for extreme-right interests, i.e., at once increasing deductibles and allowing corporations to place funds into ostensible nonprofits whose interests are anything but grass roots (despite campaign appearances). How can we stop the extreme- (or alt-) Right from continuing to exploit this loophole?
JM: There has to be more enforcement by the IRS. It has completely rolled over after coming under attack from conservatives for trying to determine whether Tea Party groups really were, in fact, non-partisan and non-political, as the law required. My own view is that the IRS was doing its job, and should reassert itself.
BB: In your section Covert Operations: The Fossils (p.223), you show how over the past 30 years, the Right's climate-contrarian strategy has conflated environmentalist reforms with second-amendment reversals to confuse political issues with disinformation. In what other ways are global antagonisms being conflated with extremist-libertarian appeals to populist (and conservative) insecurities?
JM: At the end of the day, the most effective strategy that extreme libertarians have used to mobilize populist sentiment has been to define the government not as the expression of the public's will, but rather, as the oppressor of liberty. But of course while the absence of a strong and activist federal government may be great for the rich and powerful, it could mean far more inequality and suffering for the weak and poor. As Isaiah Berlin memorably said, "Liberty for wolves is death for the lambs."
BB: The climatologist and geophysicist who introduced the famous "hockey-stick graph" of global warming, Michael Mann , noted that "this circus-like atmosphere may have a chilling effect, preventing scientists from participating in the public discourse, because they fear they, or their department head, will be threatened." With the EPA and other federally-funded scientific organizations under threat, some scientists like Professor Abe Rosenberg of the Center for Science and Democracy urge their contemporaries to participate in public discourse as "scientist citizens." How can scientists participate in political discourse and effect policy change if the Trump administration intentionally places non-qualified climate change deniers on the proverbial microphone?
JM: There has been discussion of a march by scientists on Washington. That certainly would be one way to make a public point. The truth is that public opinion is squarely on the side of enforcing strong environmental regulations. So if EPA budget cuts result in worsening the air, water and climate, the Trump administration may find itself in a pretty precarious political position.
BB: Do you think Obama predicted Trump's alleged ties to Russia, in that, the Citizens United decision in July 2010 opened "floodgates for special interests—including foreign corporations—to spend without limit in our elections?"
JM: When Obama predicted that foreign money might creep into American elections once the lid was taken off corporate spending, critics said he was wrong. In fact, the recent scandal involving Russian interference in the 2016 election shows just how porous and difficult it is to trace foreign money. In light of this, Obama's concerns look more legitimate than ever.
BB: Near the end of the mid-term election in November 2010, Obama made a last-ditch effort to warn voters that Republicans were trying to steal the elections with secret, special-interest cash. In Dark Money, you depict Democrats' last-ditch effort ad of an old woman getting mugged as a "hackneyed" image with "simplistic message." This suggests an increasing complexity of political narrative coupled with lowering standards of political discourse. Do you agree? If so, in what ways we can combat this development, to ensure that the media is able to accurately portray the political narrative in its reports to the people, especially now when the political narrative often goes full-hyperbole; signifying pure fiction, as was the case with the debunked terrorist attack on Sweden?
JM: I think the challenge for opponents of corrupt political spending is to make the public see and care about the impact that it has in their own lives. It's hard to make people care about it in theory, but when they realize that private interest money may weaken regulations protecting the air they and their children breathe, the water they drink, and the food and drugs they rely on, then they care. So it's incumbent on reporters not to get too distracted by the circus, but instead to cover those stories that powerful interests would rather keep them from noticing.
BB: After publication of your essay Covert Operations in The New Yorker, you were threatened with false accusations of plagiarism, citing several other journalists' work you had (almost universally) attributed. Within a few hours, you reached out to each reporter to verify their consent. Did you have a sinking feeling at all, as you awaited their reply while the clock ticked down? How can the media effect real policy change if POTUS not only ignores, but actively bars credible news agencies like CNN, NYTimes, and Politico (Source: CNN Money )?
JM: When the Kochs hired a private investigator who tried to ruin my reputation, I did actually feel it was frightening, though also perhaps flattering that they cared so much. The lesson I learned from this, which I hope the press will follow more generally, is that it is incredibly important for colleagues to stand up for each other when one of us is unfairly targeted. The effort to smear me died because it was false, and my colleagues were generous enough to speak out and say so.
If a member of the media is unfairly picked on by the Trump administration, I hope that their colleagues will unite in their colleague's defense. It makes all the difference to have a united front.
BB: Richard Fink, former executive vice president, director of the board of Koch Industries, and member of Americans for Prosperity, described a new strategy for the Kochtopus' supplanting of the GOP, i.e., to rebrand its narrative to argue that free markets are the path to happiness, and that big government leads to tyranny and fascism on the order of the Third Reich. Would you say this "well-being" rebrand opened the doors for Trump's reactionary-populist campaign?
JM: No, I don't think that the "re-brand" of extreme libertarianism was what opened the doors to Trump. I think what opened the door to Trump, in part, was the capture of the GOP by its radical donor base. The big donors pushed the GOP to serve their own interests rather than those of the base. On issues such as protecting Social Security and Medicare, the GOP towed the line of its donors, and favored privatizing and weakening these programs. The GOP also pushed to lower taxes on the ultra-rich, because that's what its radical donors wanted. All of these issues left the GOP vulnerable to someone like Trump who could claim to have the interests of the middle class in mind, rather than those of the donors, who he lampooned. So the Kochs and their ilk gave Trump an opening, and he ran right through it.
BB: How bankrupt is the notion that slashing taxes for the rich actually frees their hands to donate to nonprofits which in turn help the poor better than "big government" programs ever could?
JM: It's a notion that is very much alive and well thanks to the wealthy people who benefit from it, and keep recirculating it, despite the utter lack of factual support for it. It's like "Trickle-Down Economics," a Zombie theory that the private interests keep alive, no matter how many times those with a better grasp on reality try to kill it.
BB: In your book, you explain that a big part of the Koch Brothers' (or Freedom Partners') rebranding involved forging false "non-divisive" alliances between the Koch Brothers, the GOP, and minority groups like the United Negro College Fund, the National Association of Criminal Defense Lawyers, et al. Will we see the Trump administration do the same as it begins to capitulate, beyond its earlier purely symbolic call to "reunite" the nation post-election, to "heal old wounds?" Is the recent use of non-local military police in the Standing Rock eviction a symptom of this? What might more widespread false alliances look like, and whom might it call upon, going forward? How can we raise awareness to expedite their recognition as such?
JM: We have already seen Betsy DeVos , Trump's Secretary of Education, who was a charter member of the Kochs' donor group, make a great display of her support for historically black colleges. She has portrayed them as wonderful examples of "choice" in education. Her statement of course omitted the fact that these colleges were the result of racist Jim Crow laws that kept black students from attending white colleges in many parts of the country for years. Because of that, her effort backfired. But it was an early example of exactly the kind of for-show, headline-generating alliances between conservatives and unlikely minority partners, that the Kochs' public relations experts prescribed for them, in order to improve their own images.
BB: Last question: how long do you imagine before the POTUS is impeached?
JM: Alas I'm just a reporter, not a fortune-teller, so I'll leave this for someone who works with a ouiji board, not a pen.
Jane Mayer is a staff writer for The New Yorker and the author of three bestselling and critically acclaimed narrative nonfiction books. She co-authored Landslide: The Unmaking of the President, 1984–1988, with Doyle McManus, and Strange Justice: The Selling of Clarence Thomas, with Jill Abramson, which was a finalist for the National Book Award. Her book The Dark Side: The Inside Story of How the War on Terror Turned into a War on American Ideals, for which she was awarded a Guggenheim Fellowship, was named one of The New York Times's Top 10 Books of the Year and won the J. Anthony Lukas Book Prize, the Goldsmith Book Prize, the Edward Weintal Prize, the Ridenhour Prize, the New York Public Library's Helen Bernstein Book Award for Excellence in Journalism, and the Robert F. Kennedy Book Award. It was also a finalist for the National Book Award and the National Book Critics Circle Award.
Bradley C. Bergan is a writer who is working on a novel within the Creative Writing program at The New School (fiction). His work may be found in 3:AM Magazine, Motherboard, @filterthesnow, and elsewhere. He lives in New York.


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Hull based Gateway Chassis, a leading manufacturer of chassis for the holiday home and residential park home market supplying a nu...
At the heart of our quality policy is our New Product Development (NPD) process. We work closely with suppliers and customers to en...
We recognise that our people are the route to growth and innovation. Bringing in fresh perspective and talent is key to that growth...
Gateway Chassis, part of the WSL Group of companies, designs and manufactures a range of chassis for Caravan Holiday Homes, Leisure Lodges and Residential Park Homes. Our range of chassis have been designed to suit a wide range of applications in the industry and we take care to ensure the product selected is the most suitable for your technical and manufacturing requirements as well as the local environment where the structure is finally sited.
Wheel Solutions Group is a family of complementary businesses across the UK, all crewed by like-minded experts in wheel, chassis and motion technologies. From Wheel Solutions to Gateway Chassis, Chassis Solutions, TyrePal and our innovation centre, WheelLab, we have the breadth of experience and capability to develop world-leading solutions for any application.
Family-owned and run since our inception, we have a culture that's warm, friendly, helpful and determined. We work closely and collaboratively at all times, helping each other – and our customers – and pulling together to get things done, moving quickly and fluidly to ensure we keep our promises and deliver on time, every time.
We have developed the Gateway business based on a number of core values which are the foundation of what we do. These are exceptional customer service and support, flexibility, design and technical expertise, product quality, realistic lead times, value for money and developing partnerships with our customers to become an extension of their design capabilities.
All our products are designed and produced at our Hull facility and together with our sister company Chassis Solutions Limited in Wellingborough, we are the UK's leading dedicated manufacturer of chassis for the Caravan Holiday Home, Leisure Lodge and Residential Park Home sectors.
The chassis is the foundation of the completed home, although normally it is not even visible after it is sited, but it goes through quite a journey before it reaches its final destination. We at Gateway consider all these stages to ensure that the home gives the owner the safe, comfortable, secure and sustainable structural foundation they should expect and deserve. The key considerations are:
We work closely with suppliers and customers to ensure that the products that we produce meet the needs of the marketplace and are right for your application. We offer a range of chassis which we tailor to meet your application needs, manufacturing requirements and siting environment. When developing a new chassis we have a stringent new product development process, from scoping out a project through to the launch. We are always testing, validating and checking our chassis systems to ensure they are robust, fit for purpose and exceed customer expectations. We've created a culture of value engineering, with the clear objective of being right first time.
Our design process is also just as considered. From talking to the marketplace, it's clear that not all manufacturers use 3D modelling. To help us improve the design phase, we employ four highly experienced, qualified engineers and structural analysts – all trained in 3D CAD software and FEA – led by Greg Taylor, our Group Engineering Director.
One of the rigorous ways we test and verify our chassis systems is through FEA (Finite Element Analysis) testing. This virtual method predicts how the chassis will react to real-world loading, vibration and other physical effects. Prototype systems are used to fully test products, including bespoke models built to customer specifications. Ultimately, this testing process validates whether the chassis has the strength and resilience required to stand up to rigorous use.
This culminates in our continuous improvement process – 'Value Added, Value Engineered'. With global steel prices at record highs and continued volatility in the market, our ambition is to minimise the cost impact to our customers through smarter, more efficient design and manufacturing, while not compromising the strength of our chassis.
Our high specification I-Beam Chassis is a perfect example of how the VA/VE process is used in conjunction with our stringent quality control processes. Developed to meet the demands for chassis for high-end leisure lodges and park homes, the I-Beam is structurally the strongest (in terms of load bearing capacity) available in the market. The fully galvanised chassis offers high corrosion resistance while the expertise of our design engineers and research and development team has allowed us to optimise the design for the ultimate longevity and strength.
Building on more than ten years of market experience, the VA/VE multi-functional team has successfully completed, designed and FEA tested a new and improved I-Beam product, with a new value engineered and even more sophisticated version of the product due to launch early 2019.


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text: Recycling in Wales: One year in office Written by: RWW | Published: 03 April 2014 Comment on this article Minister for natural resources and food in Wales, Alun Davies reflects on his first year in the post, the achievements so far and what still needs to be done. I'm pleased to say that in a year we have seen a great deal of progress within waste and recycling in Wales. Welsh households are recycling more than ever and we are seeing a marked decrease in the amount of food waste produced. Significant waste infrastructure projects are coming on stream and we have a bold waste prevention plan for Wales. If we are to continue to improve, then co-operation is key, so that everyone involved is clear on their responsibilities. To that end, I can confirm that we will be consulting on guidance on separate collections, ahead of the Waste Framework Directive requirements coming into force in January next year. I plan to launch the consultation by the end of April. This guidance should offer clarity on separate collections for local authorities and waste collection providers operating in Wales; I believe that all waste collection systems should operate in as simple a manner as possible. It is vital that all waste collection bodies are clear on their responsibilities so that they can plan for January 1, 2015. We have come a long way from 7% municipal recycling in 2000-2001. Wales met its first statutory recycling target in 2012/13, with 52% of municipal waste recycled and we are well on our way to meet our next target, of recycling, reusing or composting 58% of municipal waste by 2015/16. Collaborative Change ProgrammeWelsh councils have worked hard to improve their recycling rates as well as the quality of the recyclate they collect, and the Welsh government has supported them in this. So far, 16 councils have received funding and advice from the Collaborative Change Programme (CCP). Among them, Newport City Council has received just under a million pounds towards the purchase of land to extend a recycling facility, as well as to buy bins, recycling boxes and food caddies. Gwynedd council recently received £240,000 to buy stackable recycling boxes, to enable householders to separate materials for recycling. Looking ahead, we have to meet ambitious targets to divert waste from landfill and to continue to increase recycling in Wales, which we are addressing with increased support for local authorities. I extended the CCP budget for another two years, and increased funding by £500,000 to £4m a year. This programme is open to all Welsh local authorities and offers specialist advice to help them achieve recycling targets with efficient services, within their financial means. The funding will be used to invest in projects that improve recycling rates and the quality of the material collected.I want to see councils sharing good ideas and good practice, so that they can improve performance as well as efficiency, given the financial challenges that they face. In terms of food waste, the Love Food, Hate Waste campaign run by Waste Awareness Wales in conjunction with WRAP is having a positive impact. We know that the amount of food and drink waste has been reducing; Welsh consumers saved themselves £160m in 2012 alone by reducing avoidable food waste. However we should be making the best use of that food waste which we cannot avoid creating. AD projectsProsiect GwyriAD, an anaerobic digestion plant in Gwynedd serving the county, has been operational since October 2013. Constructed by Biogen, it can process 11,000 tonnes of food waste a year and has the potential to generate 3,500 megawatt hours of renewable electricity for the National Grid. Thanks to its rural location, local farmers can also make use of the nutrient-rich digestate produced as part of the AD process. Biogen is also moving ahead with two other Welsh AD projects. The company has started construction on an AD plant at Bryn Pica near Aberdare, which will be capable of processing 22,500 tonnes of food waste every year collected from Rhondda Cynon Taf, Merthyr Tydfil and Newport local authority areas, as well as local businesses. The plant should generate enough electricity to power more than 2,000 homes continuously and provide a valuable biofertiliser for local farmland. In North East Wales, the Biogen Waen project near Rhualt in Denbighshire is due to start operating in July, and will be recycling food waste collected from homes and businesses in Conwy, Flintshire and Denbighshire. These three projects have been supported by the Welsh Government through the £750m capital Waste Infrastructure Procurement Programme which supports Welsh councils to meet EU landfill diversion targets and their statutory recycling targets. The programme has two strands, one to deliver anaerobic digestion plants for the sustainable treatment of food waste, the other for diverting residual waste from landfill. The Welsh Government's approach to procurement has been hands-on, supporting councils to work in regional consortia to benefit from economies of scale and to attract competitive tenders. Energy from wasteConstruction is well underway on an energy from waste plant in Cardiff being built by Viridor. The company was awarded a contract to treat the waste of the Prosiect Gwyrdd consortium, a project that will be supported by the Welsh Government. The plant aims to process 350,000 tonnes of residual waste annually and will generate 30MW of electricity, which is sufficient to power 50,000 households. Further up the waste hierarchy, I am clear that waste prevention poses a big opportunity, to make better use of our resources, extend the lifetime of products, and to save money. Wales' Waste Prevention Programme includes annual waste reduction targets for key areas to 2050; reductions in household, construction and demolition, commercial and industrial waste. It also outlines measures to encourage separate collection of waste electrical and electronic equipment (WEEE), and work to encourage the development of a reuse network for Wales. By seeing this waste as a resource and creating conditions to promote repair, reuse and refurbishment, this approach will provide low cost goods to people in need in our communities. Reuse initiativesAt present there are many innovative reuse organisations operating in Wales. Charities and social enterprises like toogoodtowaste are bringing real benefits to communities. Operating within Rhondda Cynon Taf, the social enterprise helps to reduce waste by collecting re-usable household items which are sold in their charity shops. The income helps toogoodtowaste to support low income households with furniture packages, and to provide training and volunteering opportunities in the local community. As we move towards a circular economy and increase our efforts to prevent waste, organisations like toogoodtowaste, or Crest Co-operative in North Wales have a role to play. Not for profit and charity reuse organisations can be flexible and competitive; they can meet community need, employment and training opportunities, all while diverting waste from landfill. My priorities as minister are tackling poverty, growing a green economy and meeting our zero waste targets. Seeing waste as a resource is key to this, as it has the potential to create new jobs and commercial opportunities. One year in we have continued to build on the progress made by my predecessors, but there is much more to do as we move towards zero waste. This material is protected by MA Business Ltd copyright. See Terms and Conditions.


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Associate Analyst
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Global Business in the heart of Manchester
Excellent working environment and training
About Our Client
Dual-headquartered in New York and London, Fitch Ratings is a leading provider of credit ratings, commentary and research. Dedicated to providing value beyond the rating through independent and prospective credit opinions, Fitch Ratings offers global perspectives shaped by strong local market experience and credit market expertise. The additional context, perspective and insights we provide help investors to make important credit judgements with confidence.
Fitch Solutions delivers credit market data, analytical tools and risk services to the global financial community. In addition to offering proprietary market-based content, Fitch Solutions distributes the ratings, research and financial data of Fitch Ratings through a variety of flexible platforms. With innovation and experience behind every solution, Fitch Solutions helps financial professionals meet the diverse and evolving needs of today's global markets.
Fitch Ratings and Fitch Solutions, along with Fitch Learning, are part of the Fitch Group, a global leader in financial information services with operations in more than 30 countries. Fitch Group is wholly-owned by Hearst.
Job Description
Fitch Ratings' Global Core Operations team is seeking Operations Associates to join the group in our new Manchester office. The position involves providing a range of support services required for the overall credit analysis performed by our analytical teams.
The position involves working collaboratively with members of analytical teams, Operations, IT and others to ensure that the correct processes are followed; meeting the needs of the users and supporting compliance with the Company's overall business and regulatory requirements.
Someone comfortable working with data would be a significant advantage, along with strong attention to detail. The selected candidate will be a self-motivated professional possessing strong organisational and problem solving skills, proficiency in Excel (Pivot Tables, Macros), and the ability to communicate with senior managers, analytical staff, and technical support - both verbally and in written reports. The candidate should have the ability to manage multiple projects simultaneously and the general desire to learn about the ratings and Fitch's Core Operations processes.
The key responsibilities of the role with include assisting with day to day management and support of the analytical work-flow operating processes, internal analytical support applications, data and ratings input and verification, and electronic filing of documents. You will provide daily and ad-hoc support to rating analysts across the region to follow the internal credit rating committees' process, and perform other credit related and administrative tasks as directed by the Core Operations team. You will also assist with analytical, data collection and ratings work flow operating processes to ensure universal compliance, and participate in various projects including training new members of the team on the use of new tools/applications.
You will assist senior Core Operations members with special projects, as needed, on behalf of the Chief Operating Officer or other leaders of Fitch Ratings, and work collaboratively with various Ratings teams. You will be able to identify and recommend enhancements to the current procedures, applications, management report and training, to provide the highest quality support to the global analytical community. You will also promote an overall understanding of compliance requirements; and related policies and procedures.
The Successful Applicant
You will be a self-starter who can work independently and as part of a team. Candidates with no prior experience will be considered, however if you have studied a degree in a a related area this would be desirable, or people with previous experience in a similar role will also be considered. You will be customer focused with the commitment to providing exceptional client service, and a quick learner with excellent attention to detail. Fitch Rating require employees to be highly motivated, flexible, proactive, and adaptable to change, with excellent organisational and time management skills as well as strong written and verbal communication skills. You will be a proficient user of Excel (Pivot Tables, Macros).
What's on Offer
£25,000 per annum + excellent benefits + excellent training + city centre location
Successful candidates will be required to start at the beginning of September.


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This is why I'd rather you didn't swing around on the end of your leash like Tarzan
- The regular old collar--retired from service because her head is pretty much the same width as her neck, except that slight bump at the base of her skull and so she could slide out of that puppy without any problem.
- The choke collar--retired from service because her neck is so muscular and she has such a high tolerance for pain that she could just "choke" herself on that thing all damn day without doing any actual choking, but, according to the vet, doing damage to her vocal chords.
- The current prongy collar--Like some kind of medieval torture device, this is a series of interlocking links each with two prongs that circles her neck and functions like a cross between the choke collar and a mouth full of teeth from an angry mom. I've put that puppy on my leg and on my arm and yanked as hard as I could and it seems to distribute the force pretty evenly and so, even though it looks like it hurts, it doesn't really.
The problem with the current collar is indeed the interlocking links, because Mrs. Wigglebottom can hit the end of her leash with enough force that she can pop the collar apart.
I'm sure this must be terrifying for the people with the other dog, to see this crazed pit bull lunging out at their dog, to hear me shouting, "God damn it, Mrs. Wigglebottom, NO!" and to see that collar fly apart in two, sometimes three, pieces.
You can almost hear them silently screaming "Oh, Fuck!"
But, since Mrs. Wigglebottom is never, ever allowed outside without being on the leash and so is never outside without her collar, suddenly finding herself without it, she just immediately sits down and stares at me and waits for me to collect the pieces so that I can put it back on her.
This leads me to believe that her Tarzan-like displays are more about having a little fun at my expense than actually going after other dogs. Otherwise, when she broke out of her collar, she'd actually seize her opportunity.
I guess I could break down and buy her a chest harness. But I've been promising her a life jacket for years and never gotten her one of those either.
It'd be cheaper for me if she just learned how to behave around other dogs. Meanwhile, people with the Husky, please accept my apologies.


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By Sonia Marmen
Les deux premiers tomes de l. a. série l. a. Fille du Pasteur Cullen ont remporté un vif succès au Québec et en France. Des dizaines de milliers de lecteurs ont succombé à ses charmes: intrigues, amours, portrait d'époque richement documenté. Le plaisir se poursuit avec ce troisième tome, qui dépeint une société en pleine révolution industrielle, une époque où l. a. liberté devient l'enjeu de toutes les luttes. Celles de l'émancipation des esclaves, du bouleversement des conventions d'un monde encore fortement attaché à ses traditions, et de l. a. vérité sur le silence. Une histoire où seul l'amour vrai triomphe.
Édimbourg, Londres et los angeles Jamaïque, 1831-1833
Charlotte Seton, fille aînée de Francis Seton, chirurgien réputé à Édimbourg, et de Dana Cullen, fille d'un pasteur presbytérien, vit depuis plusieurs mois à los angeles plantation de los angeles famille Elliot à Montpelier, en Jamaïque. Chargée de prendre soin de los angeles petite Mabel, elle s'est rapidement rendu compte que le poids du passé pesait lourd sur cette famille. Son insatiable curiosité l. a. pousse à tenter de découvrir les secrets and techniques qui semblent miner chacun d'eux, l'entraînant du coup dans de périlleuses mésaventures. C'est alors qu'éclate sur l'île une rébellion des esclaves. Dans le chaos, tous les propriétaires fuient leurs plantations, et Charlotte se retrouve seule avec le gérant du domaine, Nicholas Lauder. Au second où elle ne l'espérait plus, elle se retrouve face à cet homme au passé obscur qui l. a. fascine tant. Une nouvelle fois, sa vie sera bouleversée...
Read or Download Le Prix de la vérité (La Fille du Pasteur Cullen, Tome 3) PDF
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Additional resources for Le Prix de la vérité (La Fille du Pasteur Cullen, Tome 3)
Example text
We are nervous also but we sit still as the flakes come down and stick to our shawls and hats, sugaring our eyelashes and flouring the men's woolly beards. Two women face into the wind that whips their hair like corn tassel, their eyes slits of shine. The other one covers her mouth with her cloak and leans against a man. A boy with a yellow pigtail sits on the wagon floor, his hands tied to his ankles. He and I are the only ones without rugs or blankets covering our feet. Sudden snowfall on tender leaves is pretty.
Yet the animosity, utterly useless in the wild, died in the womb. Even before Lina midwifed Mistress' first child, neither one could keep the coolness. The fraudulent competition was worth nothing on land that demanding. Besides they were company for each other and by and by discovered something much more interesting than status. Rebekka laughed out loud at her own mistakes; was unembarrassed to ask for help. Lina slapped her own forehead when she forgot the berries rotting in the straw. They became friends.
He and I are the only ones without rugs or blankets covering our feet. Sudden snowfall on tender leaves is pretty. Perhaps it will last long enough on the ground to make animal tracking easy. Men are always happy in the snow where killing is best. Sir says no one can starve if there is snow. Nor in spring because even before berries are out and vegetables ready to eat the river is full of spawn and the air of fowl. But this snow will not last, although it is heavy, wet and thick. I draw my feet under my skirt, not for warmth, but to protect the letter.


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Penalty Shooters
Two men, one ball and one goal – to win the penalty shootout warfare. Can you stand the pressure of the full stadium and win the cup in this exciting football game? Pick one of 32 teams and win the glory on the soccer field! Try Penalty Shooters.
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Long Weekend Long Play Ed.
A couple +3hr heavy hitters for the long weekend.
The life of Malcolm X, who through his religious conversion to Islam, found the strength to rise up from a criminal past to become an influential civil rights leader.
The story of New Orleans District Attorney Jim Garrison whose investigation into the assassination of John F. Kennedy became an obsession.


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What weabout it
About this Product
- 252-coil innerspring and 9-gauge border wire for edge support
- Extra firm support
- Certified Organic with organic cotton filling and cover and hypoallergenic
- Waterproof and wipes clean
- Passes all Federal and State flammability standards with NO fire retardants
Naturepedic may have perfected the art of the organic crib mattress. The Organic Cotton Classic 252 Mattress has a heavy-duty, premium 252-coil innerspring plus strong and 9-gauge border wire for edge support, so it's built to last. If you plan to have more than one child, this sturdier construction may be a good investment. The 252 provides firm but comfortable support and a flat surface in accordance with pediatrician and Consumer Product Safety Commission recommendations for young babies. The mattress corners are squared (most others are rounded), giving a snug fit that helps avoid your baby's limbs getting stuck between the mattress and the frame.
The materials in this mattress will also help provide your baby with a healthy sleep environment and give you peace of mind. For starters, the entire mattress is certified organic. The filling is made from only U.S. grown and certified organic cotton, purchased directly from USDA certified sources. This ensures purity, organic reliability and support for U.S. farmers. The exterior is crafted with organic cotton fabric with a waterproof, 100% food-grade polyethylene surface, making the mattress easy to clean and preventing stains and smells.
If you're concerned about chemical exposure, rest assured. Naturepedic mattresses passes all Federal and State flammability standards without the use of any flame retardant chemicals. They are also free from polyurethane foam and vinyl and are tested for chemical emissions and certified to the Greenguard Gold standard, translating into a more chemical-free environment for your child.
There are a few different mattresses in the Naturepedic line. This model has their ultra-sturdy construction, and also comes in a variation with less expensive version with 150 coils. They also make a dual-sided model that grows with your child and a lightweight model
Need another point to tip the scale? Naturepedic is a family owned business, and their mattresses are handmade in Ohio by Amish craftspeople.
- 27.5" x 52" x 6"
- Fits standard cribs and toddler beds
- 252-coil innerspring
- 9-gauge edge support
- Extra firm support
- Squared corners for added safety
- Certified Organic to the Global Organic Textile Standard
- Organic cotton filling and cover
- Waterproof surface made with 100% food-grade polyethylene
- Built-in dust mite/bed bug barrier
- Wipe-clean surface
- Passes all federal and state flammability standards with no flame retardants
- Hypoallergenic: no latex or wool
- Polyurethane foam and vinyl free
- Tested for chemical emissions and certified to the Greenguard Gold Standard
- Heirloom quality construction
- Limited lifetime warranty
- Made in the U.S.
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Wednesday, 03 October 2012 03:41 AM
President Barack Obama called for the reset in ties before taking office in 2008 but relations have been strained by differences over issues such as missile defense, human rights, and the conflict in Syria.
"If we talk about the 'reset,' it is clear that, using computer terminology, it cannot last forever. Otherwise it would not be a 'reset' but a program failure," Lavrov told the Kommersant business daily. "Instead of dwelling on the name of this or that stage, we should think about how to develop our relations. Or, again using computer specialists' terminology, we should update the software."
Lavrov said deepening economic cooperation would help improve ties between the former Cold War enemies but that some moves would have to wait until after the U.S. presidential election next month.
Republican candidate Mitt Romney has accused Obama of being soft on Moscow during his four-year term and described Russia as the United States' "number one geopolitical foe."
The jailing of three women from the Pussy Riot punk band for two years in August over a profane "punk prayer" against President Vladimir Putin in a Russian Orthodox cathedral also prompted criticism from Washington.
Lavrov said there was a distorted image of Russia in the West and dismissed suggestions the verdict was politically motivated or that it amounted to pressure on the opposition.
He reiterated that Russia would not back efforts to topple President Bashar al-Assad to end the conflict in Syria, saying this would be "incitement to fratricidal war" that put at risk hundreds of thousands of lives.
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Regular price $372.00
Portable Upholstered Wheeled Drop Arm Bedside Commode provides versatility. Available in two great attractive colors: chrome or silver vein.
An upholstered seat, backrest, and arms provide maximum comfort, while the drop arms allow for safe lateral transfers to and from the commode.
The injection-molded large plastic toilet seat is easy to clean and the 12-quart bucket with cover come standard. The backrest can be removed easily without tools. Large rust resistant swivel casters make the patient transfer to and from any location a breeze. Swing-away and detachable footrests are sold separately.
- Back can be easily removed without tools
- Chrome plated or Silver Vein coated steel tubing frame with welded construction
- Drop arm allows for safe lateral patient transfers to and from commode
- Injection molded large plastic toilet seat, 12-quart bucket and cover come standard
- Rust resistant, swivel casters (2 with locks)
- Swing-away and detachable footrests (sold separately)
- Width: 18.25" between arms | 22.25" Outside
- Seat Dimensions: 17.75" (W) x 17" (D)
- Height: 19.75"
- Weight: 22 lbs.
- Carton Shipping Weight: 25 lbs.
- Weight Limit: 350 lbs.
- Warranty: Limited Lifetime


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The Justice Department is drafting a rule that would prevent immigrants who are criminally prosecuted for crossing the border illegally from being granted asylum, and increase scrutiny toward Central American asylum seekers, reports Vox's Dara Lind, who saw a draft of the rule.
Why it matters: Attorney General Jeff Sessions implemented the zero-tolerance policy in order to deter immigrants from unlawfully crossing the border, and instead incentivize them to apply for asylum at legal ports of entry. But this approach takes that strategy to a whole new level.