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I share what I've learned with the creative community through my international keynotes, The Crazy One podcast, Lynda.com course and more.
I've spoken at events ranging from sessions for companies like IDEO, Apple, Google, Amazon, and GE; to large international keynotes at SXSW, HOW Design Live, Awwwards, Pausefest, FUSE, Tech Open Air, Fifteen Seconds Festival and more alongside speakers like Apple co-founder Steve Wozniak, Nest founder Tony Faddel, Martha Stewart, Zappos.com CEO Tony Hsieh, and John Maeda.
My talks are consistently scored by attendees as one of the best at every event by as much as 4 times other speakers because I give honest and actionable takeaways the audience can immediately implement.
I'm the only speaker named an Adobe MAX Master, voted as one of the top 20 speakers at the conference, for 4 consecutive years with those sessions receiving an average score of 4.9 out of 5 from over 8,000 attendees. I've been a guest lecturer at Yale, Princeton, MIT International Design Center, School of Visual Arts, and Parsons. As well as an IDEO trained Design Thinking teacher and Lynda.com instructor.
If you're interested in having me speak at an upcoming event, please contact me and I will be happy to provide references and attendee scores from past events. Contact me now to check my availability.
I'll be speaking at these upcoming events
I booking talks for 2020 so please contact me now to inquire about speaking at your upcoming event.
Global Innovation Forum
London, England
November 20-21, 2019
SXSW 2020 – solo design keynote
Austin, Texas
Match, 2020
Fifteen Seconds Festival, Istambul
Istambul, Turkey
April 21-22, 2020
HOW Design Live
Boston, MA
May 4-7, 2020
I'm an IDEO trained Design Thinking instructor.
I have used, taught and led teams using Design Thinking to produce world-class creative and help change companies. I'm a trained IDEO Design Thinking instructor who has worked with senior members of IDEO to build a custom curriculum and content which I've taught a variety of intensive workshops alongside their team and on my own to thousands of people all over the world.
Watch my keynote opening for Steve Wozniak at NICE Interactions 2014
I was honored to deliver the opening keynote at NICE Interactions before Apple co-founder Steve Wozniak. The talk focused on what drives social media and its role in customer service.
I've taught at these companies and more leadership, creativity and more.
What attendees say about my talks
"I've been attending industry conferences and company off-sites since the early '90s, and have heard everyone from Seth Godin to Jared Spool to Guy Kawasaki to Malcolm Gladwell and countless people in between but can honestly say yours was far and away and without reservation one of THE best presentations I've ever seen."
Lynda.com instructor 'Running a Design Business: Leading a Creative Team'.
Leading a creative team comes with a unique set of challenges that must be navigated with care in order to get reports to be able to perform at their best. In this course, I break down the tenets of impactful leadership for creative professionals. Covers how creative leadership is unique, why it's important, the ways leaders can improve what they are doing, and how to help foster the kind of culture that is most beneficial.
Watch my keynote at the 2018 Fifteen Seconds Festival in Graz, Austria
This keynote called "The power of crazy: How you can inspire creativity and innovation in anyone" looked at how every company wants more creativity and innovation from its teams, but few understand how to create a culture that fosters leadership, drives innovation and delivers results. This keynote shared unique insights on creativity and innovation that I have learned through leading creative teams for some of the world's biggest brands and working with senior teams at Apple, Google, Facebook and more.
I've been a guest lecturer at these universities.
I've spoken at these events and more
SXSW solo keynote
2018 – Building an in-house design powerhouse
Pausefest – Melbourne, Australia
2019 – Opening keynote: Don't underestimate the power of crazy
Adobe MAX
2017 – In-house powerhouse: building & managing an empowered internal creative team (scored 4.91 out of 5 by attendees)
– Building your personal brand (scored 4.89 out of 5 by attendees)
– Most attendees of any speaker at the entire event
2016 – Success Is a Choice: Building Creativity and Leadership in Your Team (scored 4.95 out of 5 by attendees)
– 1% Inspiration. 99% Design Thinking. (scored 4.9 out of 5 by attendees)
2015 – Beyond the Lightbulb: How to Concept, Design, and Prototype Great Ideas (scored 4.98 out of 5 by attendees)
– The Crazy Ones: How to Build a World-Class Career (scored 4.89 out of 5 by attendees)
2014 – The Crazy Ones: How to Be a Leader Who Inspires Creativity and Innovation (scored 4.87 out of 5 by attendees) press coverage
2013 – Secrets to Creating a Successful Mobile Roadmap, Apps, and Mobile Websites (scored 4.79 out of 5 by attendees)
2012 – Using Adobe's Web Tools to Rethink Digital Branding (scored 4.8 out of 5 by attendees)
(watch the video on Adobe TV)
2012 – Create Anywhere
2019 – The Crazy Ones: How to make design core to every business
2018 –The future of digital design
2017– Design Thinking Workshop
2017 – Building Atomic Design Languages
2016 – The Future of Digital Branding is Proactive Storytelling
2016 – The Crazy Ones: How To Be A Leader Who Inspires Creativity and Innovation
2011 – How Starwood Hotels Creates Design Leads Brands Online press coverage
2010 – Memory Loss and Hamburger: Getting the Best From In-house Design Teams press coverage
REACH: Accelerating Creative Leadership
2017 – The Crazy Ones: How To Be A Leader Who Inspires Creativity and Innovation
Fifteen Seconds Festival – Graz, Austria
2018 – The Power of Crazy
2016 – The Crazy Ones: How To Be A Leader Who Inspires Creativity and Innovation
Design Thinkers Toronto
2017 – In-house powerhouse: building & managing an empowered internal creative team
Design Thinkers Vancouver
2018 – Creative powerhouse: Ho to building & managing an empowered creative team
Digital Design and Innovation Summit
2014 – How State-Aware Design is Going to Change Mobile
AdTech New York
HTML5 Changes Everything
Talks and classes on leadership and innovation at Apple, IDEO, Adobe L'Oreal, GE, Carrefour and more.
Social Media Week NYC
2013 – Bringing Real Life Brand Experiences to Online Communities
Connecticut – The Crazy Ones: How to Be a Leader Who Inspires Creativity and Innovation
Online Marketing Expo – Barcelona, Spain
2013 – Opening Keynote: Agile is the new smart
NYC Creative xChange
2016 – The Power of Design Thinking
Usability Experience Professionals Association
International Conference
– Putting Brand at the Center of UX Design
– What is 'State-Aware' Design and Why is it Going to Change Everything?
NYC UXPA 2013 – How To Succeed in Mobile When You're Really Trying (scored 4.8 out of 5 | highest score of any presenter)
NYC UXPA 2012 – Become a Presentation Superstar (scored 4.7 out of 5 by attendees) – watch the video
NYC UXPA 2011 – How Starwood Build Emotional Connections and Brand Loyalty Online (scored 4.8 out of 5 by attendees) – watch the video
HOW Design Live
2019 – The future is creative (mainstage keynote)
2019 – Why innovation is rarely authorized (panel)
2018 – In-house powerhouse: How to build and manage an empowered in-house creative team
AIGA LeadCon
2018 – How to lead an empowered creative team
InVision Design+ Series
2017 – Design + Finance – watch the video
Adobe Tech Summit
2017 – Inventing the future keynote
Generate NYC
2016 – 1% Inspiration. 99% Designing, Prototyping, and Testing
NY Festivals
2017 – 'Who Owns Creativity' panel
World Usability Day
Building Brands with Every Interaction
Engage: NYC Digital Storytelling Conference
2015 – Inside Successful Interactive Storytelling
2016 – Experience is Not Enough
Saatchi & Saatchi
Experience and Wellness through Design panel
Future Trends
The Future of Crowdsourced Branding
World Future Trends Summit
Using Global Travel Trends to Create Award-Winning Mobile Experiences
Private Brand Movement
Transforming from a Graphic Design Team to a Brand-Building Force
The Mobile Marketing Conference
Best Practices in Mobile Web Design
– NYC Open House
– NYC Creative Jam Judge
– Brooklyn Creative Jam Speaker
Social Media & Community 2.0
Non-traditional Insight-Driven Community Building
Client & Agency Summit Presented by FUSE
Reclaiming client-side creativity
Customer Contact East
Social is real. But is it it's own channel? (scored 4.7 out of 5 by attendees)
Total Customer Experience Leaders
The Crazy Ones: How to be a leader that inspires creative and innovative customer solutions
Makers of Barcelona
How To Lead World-Class Creative Teams
Digital Luxury NYC
How Starwood Hotels Creates Unique Brands Online press coverage press coverage
Marketing World
2013 – Getting Your Mobile Strategy Off The Ground (scored 4.8 out of 5 | highest score at the conference)
2012 – Rebuilding and Revitalizing Your Brand (scored 4.8 out of 5 | highest score at the conference)


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I purchased the entire Red Copper set and seasoned them like the instructions said to, yet my skillet is peeling and the insides are chipping up. The advertising says lifetime warranty but the customer service rep i spoke with acts as though she does not want to comply.
WOW whom do i contact to get a skillet that does not burn up and i do not have a glass top stove, I really really really would like to have this taken care of quickly and why do i have to have a paragraph of one hundred words just to leave a review of your product. Is this a college essay ok
Product or Service Mentioned: Red Copper Frying Pan.
Reason of review: Bad quality.
Monetary Loss: $30.
Preferred solution: Let the company propose a solution.

subset: commoncrawl


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By Rui Abegao, Business Development Manager at Schneider Electric Ireland
The offshore wind power generation is continuing to spread to more countries and could very soon be a key source of a large amount of Ireland's power. The benefit of this is that it is also much cheaper than new gas and nuclear power – benefitting the economy as well.
While the transition is good for the environment, it will be a challenging one for utilities. Ireland continues to reduce its reliance on fossil fuels while utilities are under greater pressure to improve the efficiency and reliability of their power supply. Yet the rise of offshore wind poses new and unfamiliar challenges.
More support and funding means offshore wind farms are growing larger and more innovation in the space means that they can be installed further out to sea. Wind turbines are also increasing in size to generate more energy, with 10MW+ machines likely in the future.
The drawback of large farms is that bigger turbines and longer cables are required to connect the generated power to the grid. Without an innovative approach to high-voltage switchgear, utilities run the risk of more expensive equipment and more frequent power losses.
The potential of offshore energy
Traditional 72.5kV switchgear is costly, heavy and intended for the transmission of power from generation site to electrical substation. It can no longer scale with the complex demands of our burgeoning offshore capacity.
Now, utilities have to be smarter when selecting switchgear and should not be afraid of more innovative solutions. For easier transportation, installation and maintenance they should prioritise solutions that are compact and lightweight. Yet they must also be resilient, staying in good condition in harsh open-air and underground environments.
For improved cost efficiency, utilities should seek out switchgear with maintenance-free high voltage parts including sealed-for-life vacuum interrupters. Purchasing equipment that comes as a complete unit will also keep installation costs from spiralling.
Above all, they should take advantage of digital innovation. The latest generation of switchgear contains Internet of Things connected sensors, protection relays and discreet devices offer real-time condition monitoring reducing failure rates and increasing the lifespan of equipment. Embedding the common protocol of IEC61850 enables this to be achieved quicker and more cost effectively than established solutions.
Ultimately, it doesn't take working in the energy sector to understand that it is changing at a fast pace. To keep pace and meet the demands of our diversifying energy mix, utilities and operators ought to be embracing switchgear innovation. For Ireland to meet its energy needs in a sustainable way, it only needs continue support and creativity because at the end of the day, the benefits of offshore are endless.


text: Preparing For the Ultimate Vacation Make your retirement as exciting as your next vacation. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Contents A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. Social Security: Maximizing Benefits There are other ways to maximize Social Security benefits, in addition to waiting to claim them. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.


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YAI Certification for Schools & Teachers
Yoga is, by and large, a self-regulated practice. Many certifying bodies such as YOGA ALLIANCE INTERNATIONAL, THE BRITISH WHEEL OF YOGA and THE YOGA REGISTER work toward a standard of excellence in teacher knowledge, ethics and safety.
Purpose of Certification:
For individuals
The purpose of the Yoga teacher certification is to make sure that instructors have an excellent knowledge of all Yogic aspects and safety issues. Yoga teachers should be certified for their own protection. Yoga is not considered to be as dangerous as some of the other activities in health clubs, but some Yoga classes can be surprisingly vigorous.
YAI's Certification is recognized by Yoga Organizations worldwide. YAI Certified individuals will be able to teach anywhere in the world confidently. Details of YAI certified teachers are available on YAI web-sites.
Note that YAI certificates for individuals are issued by YAI, and carry signatures of both YAI functionaries and that of the Head of the certified School. Certificates that do not carry signatures of YAI functionaries but are issued directly by the certified school are not valid YAI certificates.
For Yoga Schools
The purpose of the Certification for Yoga schools is to ensure that the TTC programs offered by these Institutions meet, at the very minimum, the standards set out by YAI on this site. YAI-certified schools are entitled to deliver YAI-certified TTC programs, and candidates completing these TTC programs are automatically entitled to YAI certification.
YAI Certification will enable Schools to conduct TTC at the 200 hrs and 500 hrs Levels. In addition, they will be permitted to use our logo in advertising and promotional materials. Details of their programs will be available on YAI sites.
Certification Process
For individual Candidates who complete a TTC from a YAI-certified school
Such candidates are automatically eligible for YAI certification. They can obtain these Certificates from their schools on payment of a nominal fee to their school.
For Established Teachers Certification without formal Qualifications (Special Consideration)
If you have substantial Yoga teaching experience (at least 10 years) and Yoga studies, with an essential strong knowledge of anatomy and biomechanics, a firm grasp of the philosophy that underpins your practice and your teaching and wish to obtain YAI Certification, please contact us as we look at your case under Special Consideration category. Please note that the process for this type of application is long, complex and not always successful as we have very strict rules in place in order to maintain high standard of safety and quality teaching for all Yoga students and Yoga enthusiasts from around the world. For prerequisites and more in depth information, please read/download the application form for YAI's Certification for Individuals and Special Consideration Category here.
For schools
To be considered for YAI Certification, institutions are required to fill up an application form, and pay the applicable fees. The process is long, complex and involves the payment of fees.
Yoga Alliance International charges a ONE-TIME ONLY FEE for both Teachers and Schools Certification.This means NO more annual renewal Fees.


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Jeevan Sharma blogs on Maternal Mortality Rates in Nepal
Drawing on DfID/ESRC research conducted in Nepal and Malawi Jeevan Sharma reflects on the politics of MMR
Looking beyond Maternal Mortality Rates in maternal health interventions: Lessons from Nepal
Nepal has long been hailed as a global success in reducing maternal mortality, but recent census data suggests there has been less progress than the international development agencies had estimated. This raises several questions: are Maternal Mortality Rates (MMRs) the best way to measure progress on maternal health? What are the consequences of the political pressure to demonstrate the impact of programmatic and technical interventions? In this brief Jeevan R. Sharma seeks to offer some preliminary answers.


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Think stout with a hint of sweetness from the addition of lactose in the boil. The resulting sweetness takes the sharp dark grain edge off the stout . The sweetness isn't so pronounced to take away from the beer.
Kit Details
Complete instructions are included with the beer kit. Our instructions include target gravity levels, hop addition times, suggested and required equipment lists, and all the important brewing steps! If you need any help, you can just call us!
All of our extract kits come with malt extract, hops, specialty grains (pre-crushed), grain bag, instructions, and yield 5 gallons of delicious homebrew. Yeast is not included but we've provided a selection of recommended yeast (liquid and dry) that you can add to your order in the drop downs above. Clarifying agents (i.e. Irish moss) and priming sugar can be purchased separately.
|Kit Yield:
|5 Gallons
|Alcohol by Volume (ABV):
|4.9 - 6.2%
|Intl. Bittering Units (IBUs):
|27 - 37
|Standard Ref. Method (SRM - Color):
|39 - 41
|Original Gravity:
|1.056 - 1.065
|Final Gravity:
|1.018 - 1.024
|Yeast Starter Suggested?
|Beer Kit Instructions:
|Click Here »
of Service
30-Day Returns
The Experts


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PHOENIX, Arizona – Harris & Bruno International announces they will showcase their ExcelCoat series of offline/inline coaters for UV & AQ at Dscoop March 1-4, while also celebrating a strong partnership with HP.
At Dscoop, H&B will distribute ExcelCoat samples of high-quality coating over HP Indigo prints. ExcelCoat installations continue to compliment HP Indigo Digital Presses worldwide. In fact, ExcelCoats have been installed inline or near line to several recent major HP Indigo placements at Shutterfly, Avery Dennison, and RR Donnelley.
"The HP partner program has worked well for us and we're excited that our coating systems align well with the expectations of quality, throughput, and increased revenue sought by HP press owners," said Scott Michels, H&B VP of Sales & Marketing. "We're committed to continually building on these relationship on many fronts."
Visit Dscoop booth #1035 and www.harris-bruno.com to learn more.
Harris & Bruno International has been manufacturing printing/coating machinery for 70 years. Current products focus on offline/inline coating systems, chamber/anilox, and related fluid pumping systems. H&B has a worldwide network of direct offices and dealers.


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Guild Mortgage announced Monday that it is acquiring AmeriPro Home Loans, a move that San Diego-based lender says will make it "one of the largest independent mortgage lenders in Texas."
AmeriPro Home Loans is based in Austin, Texas, and was founded in 2003. The company has a total of 29 branches in Texas, Oklahoma, Florida, Colorado, California and Utah.
Since 2008, AmeriPro Home Loans has been a subsidiary of Tenura Holdings, an Austin-based investor in realty, title and insurance companies, but now, AmeriPro Home Loans will be part of Guild Mortgage.
According to a release from the company, the AmeriPro Home Loans acquisition is the latest in Guild's expansion efforts, which have seen the company grow from 75 branches and satellite offices to more than 230 over the last five years.


text: We are how we treat each other and nothing more. The Alternate Routes is one of my favorite bands. They're local and very soulful. Last year they were asked by the Newtown Kindness organization to write a song to bring awareness to Newtown's recovery process and this video is the


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Canada to issue Al-Jazeera journalist a passport
TORONTO (AP) — The Canadian government said Monday it will issue a passport to Al-Jazeera English journalist Mohamed Fahmy who remains in Egypt on bail while awaiting trial on terror charges, reversing an earlier decision denying him one.
Kevin Menard, a spokesman for Canada's immigration minister, said they are "now in a position to issue Mr. Fahmy a passport despite ongoing legal issues and travel restrictions."
Fahmy, who was born in Egypt and is a naturalized Canadian citizen, was freed from jail in February. He renounced his Egyptian citizenship last year as a condition of any future release from Egypt.
He and two other journalists were charged with being part of a terrorist group and airing falsified footage. They deny the charges.
Fahmy's passport was confiscated when he was arrested in 2013.
Canada earlier refused to issue him a new passport while he remained under court-imposed travel restrictions.
"Finally good news, in the midst of this unjust tribulation. I can now walk the streets safely," Fahmy said in an email to The Associated Press.
"The replacement passport means wedding bells and a trip to Egypt's coast for a honeymoon by the sea I dreamt about in prison more than a year! Grateful to all the media and Canadian officials who supported me in this struggle to obtain my rights as a proud Canadian."
Fahmy said he needs the passport to get married and has run into problems at security checkpoints in Cairo.
Under his bail conditions, Fahmy must check in with police every day and cannot leave Egypt. He said he's on a no-fly list.
Australian journalist Peter Greste, also charged in the case, was deported in February.
Fahmy has long said Canadian Prime Minister Stephen Harper's government hasn't done enough to win his release. It was not immediately clear why the Harper government reversed its decision.
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Are you looking for GED® testing locations in Wells River VT? The GED® test is only given in person and not online. Typically in order to take the test the test taker must be over 17 years old. The GED® examination cost in the state of Vermont typically varies from $40 to $90.
The test consists of five topics: reading, writing, mathematics, science and social studies. Each test gives a score between 200 and 800. Many states require test takers to get a score of 410 on each of the five sections and an overall average of 450 for the GED® exam to pass.
Numerous GED® testing locations in Wells River VT are offered at:
- Wells River High Schools
- Wells River Community Colleges
- Wells River Independent School District
- Wells River Adult Education Centers


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Are your employees getting the message about their benefit plan? Effective benefit communications are critical for improving employee plan participation and ultimately employee satisfaction.
Fill out the form now to receive "Optimizing Enrollment & Communications."
We would like to get to know our audience. Please fill out the form below to receive your free download.


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World Heritage Shirakawa-go Light-up & Hida Takayama(Takayama Oan Hotel) / Operates from 2
Shirakawa-go Light-up (image)
Shirakawa-go Light-up (image)
Townscape of Takayama (image)
Takayama Oan(image)
Outdoor bath at Takayama Oan (image)
Limited departure dates! This tour includes viewing the Shirakawa-go Light-up event and one night's accommodation at Hida Takayama. 1. Enjoy the hugely popular illumination spectacle at Shirakawa-go. Travel conveniently by bus to the site. 2. You will have a dinner at the restaurant in Shirakawa-go. 3. Stay overnight at a hotel in central Takayama. 4. This tour operates from 2 participant so the trip is guaranteed if you book! 5. You will travel on Limited Express trains between Nagoya and Takayama (normal carriage/reserved seat) There is a similar tour to Shirakawa-go Light-up that includes a visit to the observation deck for an elevated view of the event. Please click here. ---------------------------------------------------------------------------------------------------------------------------------------------- [Additional Information] *Tour inclusions: ・Train tickets for Nagoya~Takayama (Limited Express Wide View Hida - normal carriage/ reserved seat) ・Bus fare from Takayama to Shirakawa-go Light-up ・Overnight hotel in Takayama (breakfast included) ・Taxes. None of these expenses will be refunded even if the participant does not use them for whatever reason. *Tour exclusions: ・Any expenses not specified in the itinerary (e.g. personal expenses, optional tours.) * Children aged between 0~5 unfortunately cannot join this tour. Since this is an independent plan, a tour conductor will not accompany the trip. We will provide all the necessary documents so that customers can deal with the admin. on their own during the trip. We will deliver the necessary documents one day before the trip to your hotel. Please provide (i) the name of the hotel, (ii) the check-in date and (iii) the name of the person who made the booking. ---------------------------------------------------------------------------------------------------------------------------------------------- [Attention] Shirakawa-go Light-up ・You will travel to the event using a sightseeing bus. There will be a guide on board, however communication will essentially be in Japanese. ・The bus will be shared with other Japanese and foreign tourists. ・Please be waiting at the bus terminal at least half an hour before departure as large crowds will be waiting to board buses. ・We will deliver the bus coupon to you beforehand. On the day, please go to the bus center terminal and exchange for the actual boarding ticket. If you do lose your coupon, you will not receive the ticket, in which case you will not be able to board the bus. ・The bus is non-smoking. ・You cannot reserve seats on the bus. ・The bus schedule is subject to change due to road conditions or bad weather. This could mean a shorter visit to the light-up event. ・Operating company: NOHI NORIAI JIDOSHA K.K. CO., LTD Trains *You will receive an e-mail with the information on your seats once they are booked. If the departure date is over one month away, expect a reply within a month of your return trip. *Please note that when the train(s) specified in the itinerary section is fully booked, we will place you in a train before or after that. *Seat preferences such as a particular carriage number or seat number will not be considered. *No stopover is permitted. *Once the tour starts, the carriage or designated seat cannot be changed. *If you miss the train, the tickets will become invalid. Boarding subsequent trains, even in the non-reserved section, will not be permitted. Event site *Shirakawa-go village is expected to be extremely busy so please be aware of the people and space around you in order to avoid accidents. *It will be very cold and slippery so please wrap up warm and wear shoes with strong grip. Hotel *The room types at the hotel are as follows: Western/Japanese/Western-Japanese. Some rooms will have bath tubs and some won't. You will be allocated rooms and cannot choose a preference. Other *We will not be responsible for any delays, shortenings or omissions made to the itinerary due to circumstances beyond our control (traffic, weather etc.) *A decision on whether to cancel the tour will be decided by 3pm Japan Standard Time one day before the tour date. We will inform you by e-mail. *The amended Act on the Protection of Personal Information came into effect on 30 May 2017. Customer information (name, age, gender etc.) may be forwarded to the hotels or necessary entities for the purpose of making tour arrangements. This condition shall be deemed to have been accepted by the customer upon completion of the reservation.
- Breakfast: 0
- Lunch: 0
- Dinner: 1
- Light meal: 0
Hotel: Takayama Oan
- Breakfast: 1
- Lunch: 0
- Dinner: 0
- Light meal: 0
Have breakfast at the hotel and then check-out (by 10:00) Free time before departure. Enjoy exploring Takayama JR Takayama station (15:35~18:50 Departure) Limited Express "Wide View Hida" (normal carriage・reserved seat) JR Nagoya station (18:05~21:05 Arrival)
|Departure place
Designated place (Aichi)
|Meeting Time
Aichi (Nagoya), Gifu, Shirakawa-go
|Language Support
This particular course is operated as a free plan tour, therefore there will not be any language support from a tour conductor. We will however, provide the final confirmation and itinerary in the preferred language of your choice.
|Minimum number of participants for operation
2 Person(s)
*When the participants does not reach the number above, the tour will not be operated. If this is the case, those who have made a reservation will be informed of the matter by 14 days prior to the scheduled departure date (by 4 days prior to the departure in case of a Day-tour).
|Minimum number of participants for booking
2 Person(s)
|Cancellation policy
|Tour Condition


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Geranium Reviving Mask Botanicals
L'Oréal Paris® Botanicals Geranium Reviving Mask is infused with geranium, soya and coconut oils to hydrate and add shine to dull and coloured hair.
Botanicals is dedicated to crafting luxurious haircare infused with botanical ingredients and fresh aromas. We search for finer ingredients of natural origin to create high quality formulations free from silicones, parabens and colourants.
After cleansing hair with L'Oreal Paris Botanicals Geranium Reviving Shampoo, apply onto wet hair and leave for 3 minutes. Comb hair with fingers before rinsing thoroughly.


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Privacy Policy
This document establishes The Ultimate Software Group, Inc. ("Ultimate Software") Privacy Policy. This document is in accordance to ISO/IEC 27001:2013 and establishes Control A18.1.4 — Privacy and Protection of Personally Identifiable Information and ISO/IEC 27018:2014 and establishes applicable controls in Annex A — Public cloud PII processor extended control set for PII protection.
This Privacy Policy applies to all Personally Identifiable Information (PII) received by Ultimate Software from its customers, employees, website visitors and job applicants (including its Subsidiaries) (each which may be individually referred to herein as "you" or "your") in any format including electronic, paper, or verbal. For purposes of this Policy, "PII" means any information collected by Ultimate Software that identifies or could be used by Ultimate Software to identify an individual. As a subset of the larger group listed herein above, Ultimate Software processes information of employees of its customers under the direction of its customers and has no direct relationship with such customers' employees whose personal data it may process on the customer's behalf.
Privacy Policy
Ultimate Software respects the privacy of our customers, employees, website visitors, and job applicants. We believe it is important for you to understand the type of information we collect about you and how that information is used. We recognize the need for appropriate safeguards and management of Personally Identifiable Information (PII) you provide to us. This Privacy Policy sets forth the privacy principles Ultimate Software follows with respect to your Personal Information.
Ultimate Software's privacy practices, described in this Privacy Policy, comply with the APEC Cross Border Privacy Rules System (CBPR). The APEC CBPR system provides a framework for organizations to ensure protection of personal information transferred among participating APEC economies. More information about the APEC framework can be found at https://www.apec.org/Groups/Committee-on-Trade-and-Investment/~/media/Files/Groups/ECSG/CBPR/CBPR-PoliciesRulesGuidelines.ashx.
Privacy Shield
Ultimate Software complies with the EU-U.S. Privacy Shield Framework and the Swiss-U.S. Privacy Shield Framework (Privacy Shield) as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information transferred from the European Union (and if the United Kingdom leaves the EU, then the United Kingdom) and/or Switzerland, as applicable to the United States in reliance on Privacy Shield. Ultimate Software has certified to the Department of Commerce that it adheres to the Privacy Shield Principles with respect to such information. If there is any conflict between the terms in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification, please visit https://www.privacyshield.gov/.
Ultimate Software is responsible for the processing of personal data, defined as any operation or set of operations which is performed upon personal data, whether or not by automatic means, such as collection, recording, organization, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, blocking, erasure or destruction, it receives, under the applicable Privacy Shield Framework, and, on occasion, subsequently transfers to a third party acting as an agent on its behalf. Ultimate Software complies with the Privacy Shield Principles for all onward transfers of personal data from the European Union (and if the United Kingdom leaves the EU, then the United Kingdom) and/or Switzerland, including the onward transfer liability provisions.
With respect to personal data received or transferred pursuant to the Privacy Shield Frameworks, Ultimate Software is subject to the regulatory enforcement powers of the U.S. Federal Trade Commission. In certain situations, Ultimate Software may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.
Under certain conditions, more fully described on the Privacy Shield website, you may invoke binding arbitration when other dispute resolution procedures have been exhausted.
How Personal Information is Collected
Web Visitors
Ultimate Software collects PII about a visitor to our website only when the visitor chooses to provide such information. On certain pages, for example, a visitor has the opportunity to provide his/her PII such as his/her name, company, address, phone number, and e-mail address. Any personal data you provide when using this website will only be used in accordance with this privacy policy. By supplying such information to Ultimate Software, a visitor can request details about Ultimate Software, including information about the company's product line and investor information, or sign up for company-sponsored events or use the company's support website.
If you are a resident of the European Union or the United Kingdom if it leaves the EU, and would like to request to be forgotten in relation to a previous request for such information please click here.
Website / Cookies and other Tracking Technologies
In order to improve the content and format of our site, Ultimate Software uses website tracking software to automatically capture technical information that is then stored in our server's log files. This information may include, but is not limited to, user domain, the type of Internet browser being used, which of our Web pages is visited, and the amount of time spent on our site.
Ultimate Software and its partners use cookies and similar technologies to analyze trends, administer the website, track users' movements around the website, and to gather demographic information about our user base as a whole. To manage Flash cookies, please click here: //www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html
A cookie is a small amount of data which our website stores on your computer, and which we can later retrieve. The cookie cannot be read by a site other than ours. We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information. No cookie will contain information that will allow anyone to contact you via telephone, e-mail, or any other means. You can monitor our use of cookies on your computer by setting your Web browser to inform you when cookies are set, or you can prevent the cookies from being set entirely. The "help" portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Please understand that if you disable the use of cookies on your computer, you may be unable to access certain portions or services on our websites.
We partner with third parties to manage our advertising on other sites. Our third-party partners may use cookies or other similar technologies to provide you advertising based upon your browsing activities and interests. If you wish to opt out of interest-based advertising, click here. If you are located in the European Union or the United Kingdom if it leaves the EU, please click here. Please note you will continue to receive generic ads.
Ultimate Software Job Applicants and Employees
Ultimate Software collects PII such as name, address, email address, SSN from job applicants and employees of Ultimate Software for, among other things, legitimate human resource business reasons such as payroll administration, filling employment positions, maintaining accurate benefits records, meeting governmental reporting requirements, security, health and safety management, performance management, company network access, and authentication. Ultimate Software does not engage in automated decision making. European Union or United Kingdom residents (if it leaves the EU), who have created an applicant profile and/or applied for employment opportunities with Ultimate Software wishing to exercise applicable rights under GDPR can refer to instructions within their profile under Consent and Privacy.
Ultimate Software collects PII such as name, address, email address, SSN from customers of Ultimate Software who use our solution. The information may be collected through our SaaS solution, or by members of our support team who provide support to customers. The type of PII collected is similar to the information collected under the "Ultimate Software Job Applicants and Employees" paragraph, above.
Ultimate Software collects information under the direction of its customers and has no direct relationship with the individuals whose personal data it processes. Contact the customer that you interact with directly for requests or questions related to access, correction, amendment or deletion of data. We may transfer personal information to companies that help us provide our service. Transfers to subsequent third parties are covered by the service agreements with our customers. The use of information collected through our SaaS solution shall be limited to the purpose of providing the products(s) and service(s) for which the customer has engaged Ultimate Software.
Mobile Application
We use mobile analytics software to allow us to better understand the functionality of our Mobile Software on your phone. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from. We do not link the information we store within the analytics software to any personally identifiable information you submit within the mobile application.
Use of Your Personal Information
We use your PII to provide you with the services, which Ultimate Software is contractually obligated to provide to you, or to assist you in completing a transaction, or communicate with you about our products or services. We use PII from website visitors to respond to any inquiries such visitors make to our website and to provide you with related information of interest to you. We do not sell or rent your PII to third parties.
We may disclose your PII if we are required to do so by law or we in good faith believe that such action is necessary to (1) comply with the law or with legal process; (2) protect and defend our rights and property; (3) protect against misuse or unauthorized use of our website; or (4) protect the personal safety or property of our users or the public (among other things, this means that if you provide false information or attempt to pose as someone else, information about you may be disclosed as part of any investigation into your actions).
Other than as stated in this Privacy Policy, we will endeavor not to release your PII to unknown or unaffiliated third parties, and we will not cross-reference your PII with that of any other customer or entity.
Onward Transfer
Sharing of Your Personal Information
Ultimate Software may contract with third-party providers to perform certain functions on our behalf or to enhance our existing product and service offerings. Examples include providing marketing assistance, product, and service support. These third parties may have access to your PII only to the extent necessary to provide these services, however, they are bound by confidentiality agreements before any information is provided to them, and they are restricted from using the information for other purposes.
Selling of Your Personal Information
Ultimate Software does not sell Personal Information.
Links to Non-Ultimate Software websites and Third Parties
Ultimate Software's websites may contain links to third-party sites for your convenience and/or information. If you access those links, you will leave Ultimate Software's website and be re-directed to a third-party site. Ultimate Software does not control those sites or the privacy practices of those third-party sites, which may differ from Ultimate Software's privacy practices. We do not endorse or make any representations about third-party websites, and the personal data you choose to provide to third-party websites is not covered by this Privacy Policy. We encourage you to review the privacy policy of any website or company before submitting your PII to them.
As to its website visitors, its own employees or its own job applicants, Ultimate Software will take reasonable steps to provide that your PII is accurate, complete, and current, to its intended use. We provide individuals with reasonable access to the PII that they provide to us, as well as the ability to review and correct such information. For access requests please contact us at firstname.lastname@example.com. We will respond to your request within a reasonable timeframe.
Ultimate Software will only retain PII as long as is necessary to comply with our legal obligations, resolve disputes, and as applicable to agreements with our customers.
Both the EU- U.S. Privacy Shield framework and the Swiss-U.S. Privacy Shield Framework provide EU citizens and Swiss citizens, respectively, with a right to access their PII. Ultimate Software has no direct business relationship with the individuals whose personal data it processes (individuals of our customers). If you are an individual of one of our customers, please direct your query to Ultimate Software customer with whom you do have a business relationship.
To protect your privacy and security, we also take reasonable steps to verify your identity, before granting access to your PII. In addition, we may limit or deny access to PII where providing such access would be unreasonably burdensome or expensive in the circumstances, or as otherwise permitted by Privacy Shield.
To prevent unauthorized access or disclosure, to maintain data accuracy, and to allow only the appropriate use of your PII, we utilize physical, technical, and administrative controls and procedures to safeguard the information we collect.
To protect the confidentiality, integrity, and availability of your PII, Ultimate Software utilizes a variety of physical and logical access controls, firewalls, intrusion detection/prevention systems, network and database monitoring, anti-virus, and backup systems. We use encrypted sessions when collecting or transferring sensitive data through our websites.
We limit access to your PII and data to those persons who have a specific business purpose for maintaining and processing such information. Ultimate Software's employees who have been granted physical access to your PII are made aware of their responsibilities to protect the confidentiality, integrity, and availability of that information and have been provided training and instruction on how to do so.
Data Integrity
As to its own employees and its own job applicants, Ultimate Software will take reasonable steps to provide that PII is accurate, complete, and current, to its intended use. Ultimate Software will only use PII in ways that are compatible with the purposes for which it was collected or subsequently authorized by the individual.
Enforcement and Verification
Ultimate Software will conduct periodic assessments to validate its continued adherence to this Privacy Policy.
Where Ultimate Software has knowledge that one of Ultimate Software's employees or third parties is using or disclosing PII in a manner contrary to this Privacy Policy, Ultimate Software will take reasonable steps to prevent or stop the use or disclosure. Ultimate Software holds its employees and agents accountable for maintaining the trust that our customers place in our company.
Dispute Resolution
Ultimate Software will investigate and attempt to resolve complaints and disputes regarding the use and disclosure of PII in accordance with the principles contained in this Policy. Ultimate Software agrees to cooperate with Data Protection Authorities located in the European Union and the Federal Data Protection and Information Commissioner located in Switzerland, or authorized representatives for disputes specific to Human Resource information received from the European Union and Switzerland. All other disputes that cannot be resolved between Ultimate Software and the complainant will be handled in accordance with applicable dispute resolution procedures through our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request. We strongly encourage you to raise any complaints you may have with regard to this Privacy Policy and/or our activation of this Policy to us prior to proceeding to the arbitration procedure described in this paragraph.
Changes to This Privacy Policy
The practices described in this Policy are the current PII protection policies approved on September 18, 2019. Ultimate Software reserves the right to modify or amend this Policy at any time consistent with the Privacy Shield Principles. If we make any material changes we will notify you or our customer by email (sent to the email address specified in your account) or by means of a notice on this website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
Contact Information
At any time, you may contact Ultimate Software with questions or concerns about this Privacy Policy at email@example.com. Written responses may also be submitted to:
The Ultimate Software Group
Attention: Vice President of Privacy, Risk & Compliance
2000 Ultimate Way
Weston, FL 33326
Those residing in the EU may contact the external Data Protection Officer (DPO) via email at firstname.lastname@example.com. The DPO also serves as Ultimate Software's representative in Europe and is located at:
Intargia Management Consulting
Max-Planck-Straße 20,
63303 Dreieich Germany


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Pastel rainbow glass trinket dish
Beautiful glass trinket bowl decorated with shades of pastel gemstones in the colours pink, purple, blue, green, yellow and silver in various sizes. Each diamond is hand glued around the edge.
They are small but quite deep bowls
Shipping & delivery
This item will be posted to you by Sarah Jane Rainbow Butterfly within 7 days of receiving payment.
|Shipping destination
|Additional items
|United Kingdom
Italy, Greece, Cyprus, Germany, France, Spain, Finland, Belgium, Portugal, Poland, Ireland, Sweden, Denmark, Netherlands, Austria, Latvia, Bulgaria, Czech Republic, Estonia, Hungary, Lithuania, Luxembourg, Malta, Romania, Slovakia, Slovenia, Isle of Man, Jersey, Guernsey, Gibraltar
|USA and Canada
|Rest of the World
Returns Policy
You have 14 days, from receipt, to notify the seller if you wish to cancel your order or exchange an item.
Unless faulty, the following types of items are non-refundable: items that are personalised, bespoke or made-to-order to your specific requirements; items which deteriorate quickly (e.g. food), personal items sold with a hygiene seal (cosmetics, underwear) in instances where the seal is broken.


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We've seen many iPhone clones come out of China, like the Oppo R9 and the Meizu Pro 6. Now, that phenomenon enters the gaming arena.
Chinese company Fuze on Tuesday announced a new gaming console, the Tomahawk F1, and it shares some striking similarities to both Sony's PlayStation 4 and Microsoft's Xbox One.
As you can see, the console itself is clearly inspired by the PS4, while the F1's controller is almost identical in design to the Xbox One's.
The console runs on Android, and will be priced from 899 yuan, which converts to roughly $140, AU$190 and £95, according to Chinese blogger ZhugeEx.
Sony and Microsoft's consoles have had limited impact in the People's Republic, due to console gaming being banned until last July. Fuze hopes to take advantage, undercutting its international competitors on price.
A showreel revealed that franchises like Dynasty Warriors, Assassin's Creed and Saint's Row would be coming to the platform.


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A collection of three and four bedroom townhomes, Golden Grove Estate is a tranquil address overlooking open plains just 25 minutes from Brisbane's CBD. Situated a short distance from Forest Lake, Golden Grove Estate holds a grand sense of community, connection and serene living; composed elegantly in contemporary design. The chance to live in one of Brisbane's most tranquil and friendly areas is here, with 97 new townhomes on offer overlooking nearly 1.5 hectares of open space.
Golden Grove Estate is an elegant new project located in the peaceful and family orientated suburb of Doolandella. Just 25 minutes out of the Brisbane's Business
District, and 45 minutes from the Gold Coast, Golden Grove Estate is perfectly
positioned between metropolis and your next weekend adventure, with easy access to the Logan Motorway, and only 5km from Richlands Train Station.
Golden Grove estate ensures convenience to your day to day—centred amongst a vast collection of early learning centres, primary schools, high schools and medical facilities and just a short distance from Forest Lake Shopping Village, local restaurants, shops, and health clubs, including a planned Woolworths.
This is a remarkable opportunity to live in a suburbly connected location.
For futher information, please contact us on (07) 3266 8555.


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About us
Healthy nutrition for cats is our mission. With a home prepared cat food you always know what's in the bowl, because you put it there. And we are here to assist you to safely prepare the best cat food for your cat next to mice.
Tatzenladen is a small, family-run company and our business has steadily grown by word of mouth. Since 2007 we have been operating our own production facility for the manufacture of TCPremix, a powdered premix for making homemade cat food, organic liver powders, and all-natural grain-free premium cat treats.
In addition, we are distributing cat food supplements for raw food enthusiasts to customise their own homemade, raw meat cat food. All our products are carefully sourced and contain only the highest quality human-grade ingredients.
We are concerned about the welfare of animals and the environement and therefore wish to grow our business in an ethical way. For this reason, we are a certified organic manufacturer and a member of "Biokreis", a German-based organic food label. For further details please view our certificate online.
We want to stay in close communication to our customers. So whatever question you may have, please contact us and let us know how we can help you.
Thank you for your visit and enjoy your stay!


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From ANN –
3rd Isshoni Project by Primastea to Ship This Fall
…The Isshoni franchise launched in April of 2009 with Isshoni Training: Training with Hinako (pictured at right), an exercise video with an anime girl that became a surprise hit and sold 13,300 copies in its first two weeks. The second project, Isshoni Sleeping: Sleeping with Hinako, launched in February with the title character returning for a "pleasant sleeping and alarm clock" anime.
Ray's take: I dunno, after watching the first one with my mind wondering and fastforwarding through the second one, I'm beginning to wonder if this is marketed toward cowards who are too afraid to be caught with real hentail or ecchi series. For boobage (despite of) with deep plots and characters, I commend Queen's Blade and for exercise sex…Aren't there hentai anime made about exercise girls that actually delivers the goods? And for a virtual, sweet girlfriend, I think there's something called "virtual girlfriend". I guess Fucking Together would totally be too dirty for the audience, eh? XD The art of being ecchi but sweet cum not on screen is certainly difficult for me to understand! XD
You may also like
3 thoughts on "Isshoni H or Fucking Together"
I really don't know what to say about these. Like you, I watched the Training and FFW'd through sleeping. I mean, I can't say they were horrendous if I watched both, ne? I can honestly say, I do not know how to rate this accurately. The audience intended was not me. However, Hinako is a moe-blob, so there is a small amount of appeal. I think. No idea. I'll get back to you after watching this new one.
Comments are closed.


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This review features minor spoilers for Legacy of Dragonholt.
In Legacy of Dragonholt, 1-6 players take on various fantasy roles in a game that mixes the mechanics of a D&D-esque RPG with choose-your-own-adventure books. Together, your characters will use their various skills to meet the inhabitants, embark on quests and uncover a nefarious plot.
A child is in danger. After a long chase through the woods, we're at the top of a tower, warding off a small army of bandits. Our backs are against the wall. What do the magic-wielding Elf Darthoridan Theyoras and Kiira the battle-scarred Catfolk brawler do? An arrow flies towards the boy. Kiira strikes out a paw, and plucks the missile from the air, in epic, cinematic slo-mo. She launches it back at her foe, piercing her target through the chest.
You may play Legacy of Dragonholt and never come across this situation. Truth be told, I can't tell you what might be in store if you play this game. What I can tell though, is that the journey will be something special indeed.
First though, you may need to consider if this game is for you. Legacy of Dragonholt sits in a sort of halfway house. Based in the popular Runebound RPG universe, it has all the trappings of a dice-rolling, role-playing fantasy adventure. However, this is a delicately balanced serving that certainly looks like a duck and quacks like a duck, but is definitely more of a gateway duck for those who may be intimidated by skill checks and armour classes.
How does Legacy of Dragonholt straddle the line, then, between high fantasy and heavy mechanics? Fortunately, it puts all its energy into making the latter easier and quicker, without hurting the former. This means the thematic elements found in Dragonholt are everything you would hope for from an RPG, and the game expertly handles the GM role through its paragraph-based system.
Talk to a non-player character and get a small quest? Check a box. The next time you visit them, they'll ask you for an update. Drop off a magical rune at the local smithy? Come back the next day, they'll have made a powerful weapon out of it. Go to the pub and you'll find an old chap, telling the same old stories again and again of days gone by. Head down the road and you might find yourself between two people arguing if gnomes are real (and you might be able to join in the debate if you're a gnome yourself). The world feels alive, lived-in, and each location and encounters drips with the sort of magical energy you would hope for from any RPG.
What of the dice-rolling, stat-heavy character aspects, then, that dominate other well-regarded fantasy games? Here, you're creating your character with more respect for their story, their background, their personal virtues and vices. From the outset, you're set up to become attached to who this character really is, and you're encouraged to develop a personal philosophy for your creation, based on their experiences you've described. You're also asked to select a list of skills, such as 'agility', 'strength', 'performance', 'empathy', 'alchemy' – the list is long (over twenty), and you can create some interesting combinations.
Skill tests in the game simply name-check skill keywords (and on some occasion, certain items which you can pick up across the course of an adventure). A trio of goblins heading your way in a cave? The game may ask if you have stealth. If you do, you flick to a paragraph that sees you jump into the shadows, ready to attack. If you don't have stealth, then lets hope you're good at brawling because chances are you'll be attacking them head-on. A wild dragon keeping you busy? The game may ask if you know the ways of runic magic – which will help you unleash powerful bursts of energy – or archery, so you can wound it from afar.
Skills don't level up – you either have them or you don't – and as you progress, you'll get to add new skills to your repertoire. You also don't 'die' when you lose all your health (that would be far too grisly) – you just disable a skill, often meaning you are without it for the rest of the specific quest or day you are undertaking. It means you are always progressing forward – sure, you may have a few missteps and lose an encounter here or there – but even then, you know full well that those moments are making your adventure unique to you and your group.
Branching narrative games are a bit of a bugbear for me – it's why I haven't yet been persuaded to try any Telltale video games – as they feel a little too 'on the rails' for my liking. Yet Legacy of Dragonholt is like going for years without trying risotto because you find it too plain, then having a 5 star chef cook it for you. It's expertly crafted, beautifully designed, an engaging narrative sewn onto an almost invisible system.
Visiting the locations in the town – which change with each passing day – is a real treat, as is getting to know the locals. In addition to the main Dragonholt Village quest book (which is a hefty tome), there are several extra quests of 1-2 hours each, proper thrillers that will really put your characters to the test. And all of it hooks together seamlessly – cross off a story point when you're exploring a crypt outside of town, and someone may reference it later when you're checking out what the library has to offer.
If you're after meaty combat, complex character creation and freedom to do whatever you want, then Legacy of Dragonholt is not going to be for you. But if you want to share in a magical story with your partner, that you can play (like we did) in the last hour of the day, when you can just slip into a game as easy and welcoming as this, where you don't need to keep track of numerous stats and statuses, you'd be hard pushed to find a better experience. Legacy of Dragonholt may bridge the gap between fantasy RPG and the mainstream like nothing before (at least, not since the US sitcom 'Community' made its sublime efforts). It's a brilliant journey to undertake together, and while it may not warrant all too many repeat playthroughs, I'm more than hoping there'll be a sequel.
Now it's your turn!
Whether you've played it or not, what are your thoughts on Legacy of Dragonholt? Let us know in the comments, or have a chinwag with us over on Twitter or Instagram!
If you'd like to find out more about the game, we also discuss it in our podcast, in Episode 5: When Board Gaming is in Tents:


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THE SHADOW Volume 129:
"Mobsman on the Spot" & "Murder Trail"
The Dark Avenger teams with an ally from his own wartime secret origins in thrilling pulp novels by Walter. B. Gibson. First, as rackets take over New York, The Shadow recruits wrongly convicted ex-con Cliff Marsland to put "Mobsmen on the Spot." Then, the Master of Darkness and Marsland follow a "Murder Trail" of stolen millions to unmask a hidden mastermind!
- Sanctum Books
- Softcover
- 7×10
- 128 pages
- $14.95


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The certiorari petition asks the court to address whether the National Bank Act continues to have preemptive effect after the national bank has sold or otherwise assigned a loan to another entity.
In a petition for a writ of certiorari filed on November 10, 2015, the U.S. Supreme Court has been asked to accept for review the U.S. Court of Appeals for the Second Circuit's controversial opinion in Madden v. Midland Funding, LLC, 786 F.3d 246 (2d Cir. 2015). Pepper discussed the Madden decision in a June 24, 2015 client alert; rehearing en banc was subsequently denied by the Second Circuit. The Madden ruling, which is inconsistent with longstanding court of appeals precedent, held that the National Bank Act does not preempt the application of state usury laws to third-party, non-bank assignees.
Petition for a Writ of Certiorari
In its petition for a writ of certiorari, the petitioner, Midland Funding, urged the Supreme Court to address the following question: "Whether the National Bank Act, which preempts state usury laws regulating the interest a national bank may charge on a loan, continues to have preemptive effect after the national bank has sold or otherwise assigned the loan to another entity." Petition for Writ of Certiorari, Midland Funding, LLC v. Madden, No. 15-610.
The petitioner set forth three main arguments in an effort to persuade the Justices to address that critical question. First, the petitioner explained that the Second Circuit's opinion creates a conflict with case law in the Fifth and Eighth Circuits because those courts have continuously upheld the prevailing view that whether the National Bank Act preempts the application of state usury laws depends on which entity originated the loan at issue. Next, the petitioner described the Second Circuit's decision in Madden as "deeply flawed" because it cannot be reconciled with section 85 of the National Bank Act, which "incorporates the principle that an interest rate set by an originating bank cannot be invalidated by a subsequent assignment of the loan." Astoria Fed. Sav. & Loan Ass'n v. Solimino, 501 U.S. 104, 108 (1991). According to the petitioner, the Second Circuit's focus on the fact that the assignees of the loan were not subsidiaries or agents of the originating bank directly conflicts with the longstanding valid-at-inception rule. Finally, the petitioner emphasized that the Second Circuit's decision will have unintended consequences for the American financial services industry and particularly for secondary market transactions. The question presented is urgent, because the Second Circuit's opinion casts uncertainty on the applicability of the National Bank Act to national banks and their assignees when a loan is subsequently assigned.
What's Next?
If the Supreme Court does not grant the petition for a writ of certiorari, or grants it but does not decide the issue in favor of the petitioner, the precedent established by Madden will continue to complicate interest rate exportation authority for any non-bank party that purchases loans from a bank, including those involved in peer-to-peer or marketplace lending platforms. Further, third-party, non-bank entities would be at risk of losing the exportation advantage that an FDIC-insured bank has, and they may be subject to substantial penalties, including voiding of loans, for violating a borrower's state usury laws.
Although the respondent waived the right to file a response to the petition, on December 13, 2015, the Supreme Court requested that the respondent file a response. The response is due on February 12, 2016, and the Supreme Court's decision on whether to grant certiorari is expected to be issued by the end of March 2016. The issue presented by Madden is of great importance to the financial services industry, in particular marketplace lenders. The level of interest in the issues is demonstrated by the fact that four amicus curiae briefs have already been filed by Clearing House Association LLC, ACA International, The Structured Finance Industry Group, Inc. and American Bankers Association. Although the Supreme Court grants review in fewer than 1 percent of the cases in which it is sought, the Court's request that the respondent file a response to the petition suggests a level of interest in the case within the Court. Whether that signifies support from at least four of the Justices, which is required to grant a certiorari petition, remains to be seen. We will soon find out.
The material in this publication was created as of the date set forth above and is based on laws, court decisions, administrative rulings and congressional materials that existed at that time, and should not be construed as legal advice or legal opinions on specific facts. The information in this publication is not intended to create, and the transmission and receipt of it does not constitute, a lawyer-client relationship.


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I'm a Linux admin by day and fantasy writer by night. I was born and raised in Istanbul, Turkey and relocated to San Jose, California in 1999 to work in the tech industry there. After living in California and Texas, I moved to Finland in 2013. I have a book review blog and currently working on my first fantasy book.
The White Tower is a big book at a whopping 624 pages, but it is a page turner in enough parts.It is a sprawling epic fantasy tale with a huge character cast and diverse settings. It starts as a typical run of the mill epic fantasy, which I didn't mind at all cause everything I love about epic fantasy was there. The White Tower features a lot of Point of View characters, but the plots are centered around four of them. These are Ty, the fae-bred youth who seems to be some kind of chosen one, Ayrion the Guardian Protector, the heroic warrior figure, the magic wielding smith Ferrin, and the villain Valtor who is a dark magician hell bent on summoning the long-banished dark lord figure. Ty's point of view scenes have a whimsical quality; I particularly loved the magic displays and the interesting secondary characters there.
Ferrin's and Ty's parts were among my favorites as well as Ayrion's excursions and rather interesting battle scenes with a bit of a magic twist. The action scenes are impressive and the character perspectives get interesting as you progress through the story. Poor quarter and thieves' guild parts were excellent. Another positive aspect is the presence of amazing female characters. These being said, the White Tower has several serious issues.
The biggest problem I have is the excessive info-dumps. I was willing to overlook them in the beginning since the well-paced action scenes and the tension-heavy parts balanced them out, but they piled up rather quick and became an annoyance. I appreciate the rich and highly detailed world-building and the author's love for the world he created, but there are better ways to feed the information to the reader.
The other issue is the logic errors. In one scene, the character falls on his back and ends up with a gash on his forehead. In another, a woman named Saleena is being tortured, but she worries about whether she will be attractive to the men if she survives the ordeal. This was one of the parts which made me face-palm. Then there is a long info-dump telling her life story. The flashback would be fine if it was done in the right place, but it came off quite boring. In contrast, Ferrin's flashbacks during his torture scenes were compelling to read cause they were timed right, kept brief and interesting.
Some of the information is unnecessarily repeated. By page 488, I already knew the High Guard was an elite group protecting the king, but this info is repeated in the middle of a battle action.
The other major issue I have with The White Tower, as with the two others in my SPFBO stack, is the excessive use of modern vocabulary. It simply doesn't belong in epic fantasy with a pre-modern setting and ruins the atmosphere. I can't feel the fantasy world of the book if I'm constantly transported back to the 21st century with words and idioms like faux, socially-awkward, claustrophobic, sadism, beau (seriously?), positive attitude, fecal smell, positive feature, technique, alone time (good grief!), novel (it should have been tome), logical metaphor, get it out of his system, homicidal maniacs, superb (I can recommend some good editors), positive result, shelving unit (this made me put the book down and think of Ikea catalogs.) These are the worst of the modern language examples I have highlighted. There are more. I blame the editor as much as the author here: No self-respecting editor should allow that kind of vocabulary in an epic fantasy book. I can overlook "Yeah, I got it" and "Wow!" but that's about it.
Last, but not least, there are quite a few typos. One example: Cauldron is misspelled as Caldron in four places. My search for Cauldron returned zero results. I can overlook the occasional typo or two, but this kind of pattern sticks out like a sore thumb.
Despite all the shortcomings, the story is compelling and the majority of characters are highly interesting. Lyessa and Sheeva were among the best female characters I've read in fantasy books, even though Sheeva's parts were brief. I am planning to read Shackle, the prequel from Ferrin's point of view and if Mr. Wiseheart published a novella featuring Sheeva, I'd buy it on the spot.
I think The White Tower is overall a great story and could have been easily on par with mainstream published books -if not better- with serious editing and beta readers with higher standards.
This is a sword and sorcery tale, with a good amount of sword and little sorcery. It has a nice action-packed opening, with our hero the farmboy Benjamin helping his village folk battle a demon attacking their village. Shortly after, a strange group shows up, featuring a stern mage lady, a blademaster, an affable rogue and a noble girl with her maid. One can see the Wheel of Time influence, but it didn't feel derivative at all. The characters and the general atmosphere were different enough.
Kindling features interesting main characters and great action scenes, especially in the last quarter of the book. It opens with a great prison sequence which reminded me of the Elder Scrolls games. The main protagonist Zahir left a great first impression on me, as did the realistically depicted inmates. However, after the first chapter it started to fall flat due to the dire need of editing. I can overlook a flaw or two, but they piled up rather quick.


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This is Sheila, a white lioness resident of Insync Exotics. Her story can be read here (Warning: her 'before' picture is disturbing):
Sheila made a full recovery and now lives with her 'husband' Kahn. They're a very sweet, loving couple.
Sheila.stl - Brown 25, change to Beige at 0.6 mm, change to White at 1.1 mm, 0.1 mm layers
Sheila_nose.stl - Black, change to Pink at 0.6 mm, 0.1 mm layers
Sheila_eyes.stl - Black, change to Beige at 0.4 mm, change to White at 0.8 mm, 0.1 mm layers
Sheila_background.stl - Blue, change to White at 0.5 mm, 0.1 mm layers.
Sheila_frame.stl - Green, 0.2 mm layers


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Cliff Grassmick / Staff Photographer
Cliff Grassmick / Staff Photographer
For students of St. Vrain Valley high schools, basketball doesn't discriminate.
Special needs students and traditional students gathered on Saturday morning for an inaugural basketball tournament against schools.
Silver Creek High School set the scene for friendly competition between various Unified Basketball teams. The program focuses on bringing students with special needs together with typical athletes similar to the Special Olympics.
Kyle Schuyler, the athletic director for Silver Creek High school, helped organize Saturday's event. He and other organizers sought to create a positive environment that gives participants a fun way to provide support. He said he hoped to "see the community and kids cheering for each other."
Emma Maldoff, a senior from Mead High School, said that making new friends has been her favorite part about participating in the program.
Erin and Christian Maldoff, Emma's parents, believe it's not only a great way to get Emma involved in her school, but help other students empathize with kids like her.
"The priority is the involvement and the awareness for those kids that maybe don't understand what it's like," Erin Maldoff said. This is one of the reasons the Maldoffs liked Mead High School.
St. Vrain Valley School District was the first to roll out the program back in 2014 with Silver Creek being the first to implement it. Over 700 high school students in the district have disabilities on a physical or learning level, according to a statement made by Jackie Whittington, executive director of student services for the St. Vrain district in a 2014 interview.
The unified basketball team is entirely volunteer-based. Typical students, or partner athletes, work with the special education kids once a week for 30 minutes.
Special needs students receive coaching on typical drills and techniques in basketball all while learning how to work within a team. The competitive atmosphere of basketball gives students the opportunity to work together toward a collective goal.
While the program places its focus on facilitating a fun environment for special needs students, Schuyler has found that partner athletes develop leadership skills, as well.
Adam Peña, a senior at Longmont High School, has been participating in the program for the past couple years.
He said, "It's a great way to give back," and at the end of the day, partner athletes are there to be friends.
"Everybody loves sports. It brings them together," Peña said. "It's a valuable opportunity. It brings that aspect of connection."
While special needs students play in competitive district games, the tournament didn't include the same competitive element. Each team played three games without taking score — Saturday was about the fun of the game.
"The best part is seeing the joy it brings them," Peña said.


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Leslie Knapp
Leslie Knapp hails from Albany, Georgia (The Birthplace of Ray Charles and Paula Deen). She attended Warren Wilson College in Asheville, North Carolina and received a B.S. in Chemistry in 2007. Leslie's passion in life is wastewater treatment. She interned at the Blue Plains Advanced Wastewater Treatment Plant in Washington, D.C. before becoming a licensed operator for the Cabarrus County Water and Sewer Authority in Concord, North Carolina. Although she loved her life as an operator, Leslie decided to move to Tampa to fulfill her long term goal of becoming an Environmental Engineer. She is excited about her future adventures in the Peace Corps and hopes to work on a water-related project in West Africa.
Return to Student Bios


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Tuesday, 5 July 2016
Falling over sucks.
Going arse over tit sure as shit gets harder the older you get.
It seems according to my somewhat dimming memory, that I spent a lot of time on my bum when I was a youngster, no not out of laziness or stubbornness, but because I had been attempting something ridiculous and being merely mortal, was unable to counter gravity, science is a pisser that way.
Some splatterings are still accessible memories, like the time when I was 11 and doing some foolhardy fly through the air thing on the uneven parallel bars and I flew up up up and like in a cartoon, there was that exaggerated moment of stillness before I slammed, back first, down onto the floor. The coach didn't believe in mats and told me to get up and have another go. Yeh No! The bars were never my friends after that. Fucking things! And whilst I can see all this play out in my mind all these years and kilos later, it didn't really stop me doing shit.
And then there was the time we were on a family holiday in the pink place on Chevron Island and the diving into the pool had gotten all a bit tame and ordinary, so I started back flipping into the water. As I practiced and practised, I took off higher and higher and the flip became tighter and tighter, and I can still hear my lovely Dad call out, ' Push out, not so high, you will bang your head on the wall.' Yeh I knew he couldn't be talking to me, what wall? Oh shit bloody head, that wall. In the 80's AIDs craziness they would have had to drain the pool cos of all the blood, but in the 60s they just cleaned me up and told me to get back out there, and so I did.
But as you get older there is a real fear of falling.
Out in the park sometime ago, Dog and Sam were playing and getting rough as they do, and they ran right into me, taking my legs from under me and I landed inelegantly spread eagled, with 10 bucks worth of coffee all over me. I sat for a while waiting for the youthful 'jump up' factor to kick in, but it didn't. Somewhere in my adulthood, that elastic bounce backability had evapourated and I was now just some fat old gal on her arse on the ground trying to work out the best way to haul myself up. With shit for knees, I need to do a sort of crazy woman roll over and balance myself on my pathetically weak arms and go the push, the bum end leads and I do a bit of the downward facing dog making my face all bloodshot and if I am lucky I can manage to be vertical in one try. Other times I pivot around on my arse with legs and arms flailing, like I am the cup and saucer on the Disney ride. I imagine it's all very amusing to watch, like some anxiety ridden flubber raging from desperation to stillness as I struggle to have another go.
Anyway, yesterday a friend of mine fell in the park.
I saw it in slow motion.
She panicked about being able to get up.
I put my coat under her head and told her to take it easy for a second and then our 2 dogs who have spent day after day happily playing decided that the stress of watching all this was too much so they had a big barking rouse at each other, which was so loud that the builder from across the way heard it and saw us and doned his chivalry superman cape and came to help.
My friend calmed down and Superman and I helped her up.
She said that falling was the thing she was most afraid of. She worried all the time that if she falls she will not be able to get up.
But you know what? I reckon that there is more good than shit in people and that if we fall, more than likely there will be someone around to give us a hand up, and so the fear of falling aught not stop us having a go.
How's that for philosophical Tuesday? yeh I just made that up cos the last bit made me wonder if I had begun to stream live from some evangelical Baptist Sunday service.
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The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships so we may get a share of the revenue from your purchase.
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Annual Campaign
With your support, the Old Colony YMCA's Annual Campaign ensures that the YMCA is available for kids and families who need us most. We count on the generosity of our members and community to help people of all ages and walks of life be more healthy, confident, connected, and secure. When you give to our Annual Campaign, your gift will have a meaningful, enduring impact right in your own neighborhood. By supporting the Y, you help guarantee that everyone - regardless of their circumstances or ability to pay - can benefit from the YMCA's values-centered programs.
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501(c)(3) Charitable Tax ID: 04-2125014
As you browse this year's Annual Report, you'll see our theme come to life through the experiences of people. These are your neighbors, friends, and members of your community. They're also part of our Y family.


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11/09/2017 13:02
Shares of Panacea Biotec zoomed over 13 per cent on the Bombay Stock Exchange after the company has expanded its existing collaboration with Canada's Apotex Inc for sales and distribution of Prasugrel tablets in the US.
"Panacea Biotec has expanded its existing collaboration with Apotex Inc, the largest Canadian-owned pharmaceutical company, for sales and distribution of Prasugrel 5mg and 10mg tablets (generic version of Eli Lilly's Effient) in the US," the company said in a BSE filing.
It further said, "The company has signed an exclusive licence and supply agreement with Apotex for this purpose. Under the terms of the agreement, Apotex shall be responsible for sales and distribution of the product in the USA and the company shall be responsible for manufacturing and supply".
Following the statement, shares of the company gained as much as 13.13 per cent to trade at Rs 248.50 apiece on the Bombay Stock Exchange.
In a similar fashion, shares of the company were trading 12.07 per cent higher at Rs 247.90 apiece on the National Stock Exchange.
Meanwhile, the broader benchmark BSE Sensex was trading at 31,889.72, up 201.37 points, or 0.64 per cent, at 12:55 hours.
Tag: Panacea Biotec Ltd
Panacea Biotec witnesses shortage of Cilamin 250 capsule
29/09/2016 16:53
"Panacea Biotec ensures limited availability of life saving drug Cilamin 250 capsule (D- Penicillamine IP 250 mg)," the company said in a filing to the Bombay Stock Exchange on September 29, 2016.
The drug is used for treatment of Wilson's disease, rheumatoid arthritis and other conditions.
"The temporary shortage is due to sudden disruption of supplies of raw material by qualified supplier beyond the control of the company. Since then company has been working tirelessly with alternate suppliers for supply of this raw material. Due to continuous efforts we have resumed limited production of Cilamin 250 and have released limited quantities in the market from September 26, 2016," the company said in a statement.
However, it has started the supply of new batches with limited quantities of Cilamin 250 from September 26, 2016 from its manufacturing facility in Baddi, Himachal Pradesh under Good Manufacturing Practices, the company added.
The company further said that, it will continue to work closely with existing and potential new raw material suppliers in China and India for access to the raw material in an accelerated manner.
Meanwhile, shares of the company closed at Rs 110.55 apiece, down 5.47 per cent, from previous close on BSE.
Panacea Biotec zooms 10% on launch of antidiabetic drug
28/06/2016 15:26
Cheering the news, shares of the company gained 9.98 per cent in intra-day trade to Rs 127.25 apiece on Bombay Stock Exchange at 15:14 hours.
In a similar fashion, stocks of the company surged 9.98 per cent to Rs 126.15 apiece, or 11.45 points, on National Stock Exchange at 15:09 hours.
Meanwhile, the broader benchmark BSE Sensex was trading at 26,509.45, up 0.40 per cent, or 106.49 points, at 15:27 hours.


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Our next featured customer is Lesley Wooten!
Lesley is another example of how great and friendly the people in this area can be. Some of the most radiant personalities call this place home, and we area happy to call them our patients.
Lesley is a student at the Wilkes Community College and also owns her own Horse Farm! She spends her time outside of the books giving guided trail rides and boarding and riding lessons.
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