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I'm a London-based Interior and Web designer
After graduating at Central Saint Martins College of Art and Design with a BA degree in Graphic Design in 2009, I have worked as a Web Designer for 4 years. I am currently doing an Interior Design diploma at KLC School of Design, while doing freelance graphic/web design work on the side.
Email me about project ideas and to get a quote. CV upon email@example.com
What I do
- Interior Design
- Web Design
- Illustrations
- Motion Graphics
- Photoshop, Illustrator, InDesign


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Look to the woods in the fear or the hope that someone is looking back. Breathe in the night air. Listen.
14 tracks
5 comments on They're Coming From the Woods
Absolutely in love with this mix!! It was has a perfect atmosphere. I'm moving to a wooded area, and I'm totally gonna look at my window the next time I listen to it. Thanks for making it, this is just what I was looking for. <3⃠
as I was listening to this playlist, I stopped to check where you were from. I had a feeling you were canadian.⃠

subset: commoncrawl


text: Hola, I am Alyssa, I am 27, from London and living in Barcelona! I really need to improve my Spanish, I have been living here for some time but my level is still beginner. I can understand a lot more than I can speak, so I need to practise some conversations- in return I can help with your English! I used to be an English teacher, but I am happiest if we keep it casual and just try to have conversations. You will need to be patient with me as I expect my Spanish will be much worse than your English :)


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- bad debts insurance
- страхование от потерь, вызванных неуплатой долгов ;
Англо-Русский словарь финансовых терминов. 2000.
Смотреть что такое "bad debts insurance" в других словарях:
insurance — /in shoor euhns, sherr /, n. 1. the act, system, or business of insuring property, life, one s person, etc., against loss or harm arising in specified contingencies, as fire, accident, death, disablement, or the like, in consideration of a… … Universalium
casualty insurance — insurance providing coverage against accident and property damages, as automobile, theft, liability, and explosion insurance, but not including life insurance, fire insurance, or marine insurance. [1900 05] * * * Provision against loss to persons … Universalium
credit insurance — noun : insurance against excessive loss due to default of debtors * * * credit insurance noun Insurance against bad debts, taken out when a business sells on credit • • • Main Entry: ↑credit * * * credit insurance, 1. insurance to protect… … Useful english dictionary
credit insurance — 1) An insurance policy that continues the repayments of a particular debt in the event of the policyholder being financially unable to do so because of illness, death, redundancy, or any other specified cause. 2) (credit guarantee) A form of… … Big dictionary of business and management
Economic Affairs — ▪ 2006 Introduction In 2005 rising U.S. deficits, tight monetary policies, and higher oil prices triggered by hurricane damage in the Gulf of Mexico were moderating influences on the world economy and on U.S. stock markets, but some other… … Universalium
United Kingdom — a kingdom in NW Europe, consisting of Great Britain and Northern Ireland: formerly comprising Great Britain and Ireland 1801 1922. 58,610,182; 94,242 sq. mi. (244,100 sq. km). Cap.: London. Abbr.: U.K. Official name, United Kingdom of Great… … Universalium
France — /frans, frahns/; Fr. /frddahonns/, n. 1. Anatole /ann nann tawl /, (Jacques Anatole Thibault), 1844 1924, French novelist and essayist: Nobel prize 1921. 2. a republic in W Europe. 58,470,421; 212,736 sq. mi. (550,985 sq. km). Cap.: Paris. 3.… … Universalium
Russia — /rush euh/, n. 1. Also called Russian Empire. Russian, Rossiya. a former empire in E Europe and N and W Asia: overthrown by the Russian Revolution 1917. Cap.: St. Petersburg (1703 1917). 2. See Union of Soviet Socialist Republics. 3. See Russian… … Universalium
debt — that which is owed. If you borrow money, buy something on credit or receive more money on an account than is owed, you have a debt. Glossary of Business Terms Funds owed by a debtor to a creditor. Outstanding debt obligations are assets for… … Financial and business terms
Debt — Money borrowed. The New York Times Financial Glossary * * * debt debt [det] noun 1. [countable] money that one person, organization, country etc owes to another: • The country will not receive further funds after it failed to repay debts of $16… … Financial and business terms
debt — n [Old French dette, ultimately from Latin debita, plural of debitum debt, from neuter of debitus, past participle of debere to owe] 1: something owed: as a: a specific sum of money or a performance due another esp. by agreement (as a loan… … Law dictionary
- The Rainmaker, Grisham John, Rudy Taylor is a newly qualified lawyer: he has one case, and one case a lone, to save himself from his mounting debts. It is a bad faith case against a giant insurance company which could… Категория: Публицистика на иностранных языках Издатель: Random House, Inc., Производитель: Random House, Inc., Подробнее Купить за 2084.9 руб
- The Rainmaker, John Grisham, Rudy Taylor is a newly qualified lawyer: he has one case, and one case a lone, to save himself from his mounting debts. It is a bad faith case against a giant insurance company which could… Категория: Random House, Inc. Серия: - Издатель: Random House, Inc., Подробнее Купить за 593 руб


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National External Diploma ProgramⓇ
National External Diploma Program®
Naugatuck Adult Education offers the National External Diploma Program (NEDP®). This option has students earning their high school diploma independently through the successful completion of a series of online assignments which demonstrate mastery of life skill competencies, as well as an additional demonstration of an individualized competency (occupational, vocational, or specialized skill). Upon successful completion of these competencies, the student is awarded a high school diploma through the Naugatuck Board of Education.
The National External Diploma Program (NEDP®) is an applied performance assessment system that assesses the high school level skills of adults and out-of-school youth. The NEDP® evaluates the reading, writing, math and workforce readiness skills of participants in life and work contexts.
- Assesses high school level skills awarding a traditional diploma so graduates can meet their academic and career goals.
- Designed for self-directed youth and adults with life and work experiences and a general familiarity with the computer.
- Offers flexible scheduling and confidentiality.
- Evaluates competencies in ten content areas including Financial Literacy, Health Literacy, Civic Literacy, Geography, History, Science, and Twenty-First Century Workplace.
- Evaluates competencies that are based on skills outlined in the Common Core College and Career Readiness standards.
Depending on your skill level at enrollment, and how much review of basic skills is needed, most students complete the program in six to nine months.
When all work is completed with 100% accuracy, your portfolio is reviewed by an assessor for verification. Each student must meet with an advisor weekly for a minimum of two hours to demonstrate your mastery of certain competencies through completion of assignments.
Both daytime and evening hours are offered for this program. For more information, please contact us at (203)-720-5282.


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When I purchased LifeBook 2018 last year, as part of my wedding gift from friends (gift cards are great), I was hesitant and tentative.
I had done two years of LifeBook prior to this year…and then there was a two, perhaps three-year gap…and I am one of those people who didn't really miss it all that much. Every now and then I would think to myself, I would genuinely enjoy having a class that came to my inbox every Monday again…giving me a focus and a plan and something to do when I couldn't think of anything else…
But…I have a lot going on…every day. I sign up for free online workshops, the kind where you get video lectures/tutorials every day for a week or a month or whatever…and I never have the time to sit and watch or listen to them. I have bought stand-alone classes that if I fight hard enough I can skim through the videos—which means I am doing something else while the video plays in the background and I listen—and look up if something catches my interest.
Now, there's LifeBook. You can see from my blog…I did a few lessons. The lessons I did felt good to me. I have ideas for things that coincide with Sarah Trumpp's monthly Yoga offerings…but other than rough sketchy doodles in my written journal—nothing has yet come of that.
I do have a few lessons that I started yet and haven't completed…although I watched, as best as I could, the videos…I haven't done anything LifeBook related since the fifth week.
In February, I knew I would be having surgery and spent that entire month in a state of breathless…waiting…and worrying…and worrying some more…and not sleeping…but worrying some more…and prepping for after surgery as best as I could.
March was the month I had surgery…and I was pretty much out of anything for three weeks nearly completely – and after that have simply been slowly trying to find where I want to be and what I want to do now. I still have to take things slowly and carefully—even though certain people seem to be ridiculing me for "being overly dramatic" the whole thing. To them, I say, please…let the doctors put you to sleep, give you a catheter, cut you open in three places to shove medical equipment up inside—and then apologize for the bruising afterwards because they have to really shove to get the equipment in—and then cut out a large piece of you and have to cauterize all the veins and arteries and tidy up all the other bits—without damaging anything else around…and take those bits they removed out of you through a whole other 'door'…and see what you feel like for the next few weeks, few months…when medical personnel tell you when they went through it they needed 8-12 weeks before they felt nearly like themselves (as at least five nurses and DOCTORS did to me), I don't think I am 'being a baby' or 'trying to get attention'… I am actually recovering and recuperating and dealing with the issues that come from having had major surgery—it will take me as long as it takes me to heal, to not hurt from surgery, and so on…you have no right to tell people it's all in my head when you have no idea what is actually going on anyway…
And now…off my soapbox…
Back to LifeBook…after about the third week of my surgery, it felt good to sit and watch the lessons from LifeBook, even though I wasn't up to doing any of them. A few weeks ago, however, I started to get cranky. One reason I had decided to try LifeBook again this year was the emphasis on healing practices. Yoga is great; Sarah Trumpp is great; I knew there would be one Yoga lesson per month. It's not enough for me.
Although I deeply love and appreciate the guest teacher's and their lessons, I am learning…I should just buy the Tam version of LifeBook every year and let the rest go because I am not really getting a lot out of anything lately. Now, there are some lessons that I love…and I respect and appreciate all the teachers and all the work that goes into these lessons. I have come to realize…this isn't what I want to do.
I hit a plateau where I wasn't learning anything new…although I will say the lessons I love best are where I learn something, whether it is an art technique or a quote, or if it is just enjoying listening to the teacher talk…my problem revolves back to…I'm doing someone else's work and not my own.
I know there are ways to take the lessons and do them in my own style…however, the issue for me—and this is my issue—not an issue with LifeBook, or the teachers, or Tam, or anything like that…there isn't enough substance around the theme—not the yearly theme, the monthly theme, that sort of thing. There is no toehold in many of these lessons for me to say, ah, yes, this is where I can dig in to further my own process of healing…and right now when I am literally physically healing and having to redefine limitations and ambitions…the healing process is of a higher importance to me…in different ways than it was four months ago, or six months ago…
I have shifted…my body has shifted and is still shifting…my brain has shifted…my desires have shifted…my plans have shifted…my ideas have shifted…and although I can see the light on the Path…I am not certain which direction I am heading…there is a fog yet, as details filter through my heart and my subconscious, bubbling to the surface. So much is changing for me, within me, around me…and I am still deciding, still making choices…still pondering.
I do not feel the need to hurry at this moment.
I make changes, big ones, like deleting the family website and moving everything over here to this site when the mood strikes and everything feels right. Other things, like classes I am creating, I am not fighting. I am writing. I am finding my footing. I am moving slowly and luxuriously and enjoying the process rather than rushing through everything.
I am not speaking ill of LifeBook in any way, please understand. I shall continue to download the materials…watch videos and read PDFs as I am able…and if struck by the LifeBook Muse, I will do the work…otherwise…I shall enjoy the show and let the rest go. I shall find other outlets, other medicines to soothe my ills, and just be me.
The other day I was wandering around YouTube…seriously…just wandering…
I found this video:
which leads to this video:
Basically, it's an art swap. You make one of these journals filled with all sorts of ephemera and send it out, trade it with a partner…and then you both make art from what you find in your new journal. It's a challenge…and a partnership.
I am slowly getting back into working in my journals, doing my own art, slowly but surely again (yay!)…and this sounds like an incredible idea.
Would you like to play along with me and swap flow journals, set ourselves up with an art challenge?
If so–my email is listed on the sidebar…or respond to this post.
Having someone else on board would help keep me accountable and moving forward
This is a "multi-surface journal for mixed media".
It comes with fifty-four pages of varying materials—a cotton rag watercolor paper, heavy brown kraft paper, unprepared (as in no gesso, just soft cloth) canvas, and burlap.
I follow several artists on YouTube and one day I got a notice that someone (I forget who at this point, I've watched so many videos about the journal) had put up a new video…and I went to watch it…the person was in the midst of doing a series of videos about working in her Dina Wakley media journal.
I was hooked from the moment I saw the closed journal. Something about the burlap strings hanging out all over made my heart SING…even though I personally hate working on burlap…at least I have in the past…
The journal is listed as 8 inches X 10 inches on every website I have seen it on; however, on the book itself it says "cover measures 7.75" by 10.25"; pages are 7.25" x10.0"."
The cover is a nice matte black. If you are looking for an envelope to keep bits and bobs in—you have the wrong journal. If you are looking for an attached closure—you have the wrong journal.
The journal has four sewn-in signatures. There is more of the watercolor paper than anything else. I love the burlap strings…except when they come off. Hanging out of the book all over, that for me is cool…having to pick up the strings…and pry them out of my cats' mouths—not so cool…
I have an issue with the kraft paper. In the one video I watched of Dina Wakley talking about her journal, she talked about how much she loves the brown kraft paper. The kraft paper in this journal is nice. It is thick and heavy. But—there simply is not enough of it. I was a bit miffed to see that the kraft paper was used as the outermost page of the first and the last signature…and then that front page and that back page were glued down to the inside covers of the book. I know the brown inside covers give the journal a nice clean look. I know gluing the first and last pages to the cover strengthens the journal…but…there goes two pages of brown kraft paper that I cannot use. And yes, I have a piece started on the front inside cover.
I started working on the front inside cover because I wrote my intentions for the journal down there in pencil—then decided I didn't want anyone reading what I had written…and I painted over it…which was fun…I am not done with it…and I have no deadline to finish…I am just enjoying myself…which is part of the point of this journal for me.
The watercolor paper has an absorbency I am not used to…but I am enjoying it. Right now all I have done is play with acrylic paint in it. Tomorrow I am planning to work some watercolors on the watercolor paper and see what happens…
I have no clue what I am going to do with the burlap pages…but I know I am going to use them. The canvas pages are easy…it's just canvas paper…I have used that before. Maybe I will gesso or prep the pages first…I am not yet certain.
I do think, as of now, my plan is to work every page as a single entity in and of itself. In many of my journals of late, I only work one side of the page, in case someone wants to remove one later and frame it…as my daughter swears she is going to do when I die and she (and the boys) inherit all my journals…that is why I started doing things that way. But I don't think I'll do it in this journal…this journal is for something else.
Since I found this journal on sale, I bought two more of them…because I do love them that much. In fact, I have started bemoaning the fact that buying the materials to make a larger journal like this myself is not cost-effective for me to do…although while searching online I did find out that there is a larger size of this journal available: a 10 inch X 14.25 inch one…and none of the stores I tried even carry that size online, much less in store…so the 8X10 I have now, and the two other ones I ordered are what will have to tide me over for a bit.
But…another thing has come up in relation to this journal. I am having so many more ideas about things I can put into my hand-made books. Things I hadn't thought of as "appropriate" before. But that burlap…and I am telling you, that burlap is something that makes me cringe when I think of painting on it…but the challenge of it also entices me…but thinking of what I can include in my hand-made books…that has my brain nearly exploding. One thing I have grown certain of lately is…I am a book artist…and I have my friends Tracy and Julie and their wonderful and encouraging comments to bolster and buoy me along. So many things are coming in the future…I can't wait to share…but have to until I have something to show.
Thanks for listening.
Until next time…


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INTERIOR FURNITURE WALL: More Maple
PPG1091-5 / WALL: At The Beach PPG12-28
Supplies: paint, painters tape, paint brush
1 – Tape off areas of cabinet that will remain unpainted. For all painted areas, lightly sand and wipe clean. Remove shelving if possible.
2 – Select a light neutral hue for the majority of the cabinet, and a more colorful hue for the visible interior wall.
3 – Paint two coats of first color, allowing time to dry between coats. Re-tape and paint two coats of second color, again allowing time to dry between


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halloween spooktacular - The reel cast
14:33It's October ladies and gentlemen, and what better way to celebrate Halloween month with some Spooky Scary Movies. In this show, Bill and Mikey discuss the new addition to the Conjuring franchise, The Nun! Was this a missed opportunity? What improvements could they have made?
Next up is an in depth discussion of The House with the Clock in its Walls! Book adaptations are usually hit or miss, but what happened with this one? How did it miss the mark so much?
Lastly, Bill and Mikey discuss some of the scariest movies they have ever seen! Could it be that these are the scariest movies ever made??
Skip to your favorite part of the discussion
The Nun - 14:33
The House With The Clock In Its Walls - 51:15
Top 3 Scariest Movies - 2:15:44
Hurricane Florence Relief Foundations:
Red Cross - https://rdcrss.org/2xPlfw5
Samaritan's Purse - https://sampur.se/2D6UnwL
Save The Children - https://bit.ly/2IsBRht
support us on patreon
Subscribe to us on youtube
Find us on facebook
follow us on twitter


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Smoke Notes Cigar Review: Camacho American Barrel-Aged Robusto
Camacho American Barrel-Aged Robusto (5×50)
W: Pennsylvania Broadleaf
B: American Broadleaf
F: American Broadleaf, Pennsylvania Broadleaf Maduro, Bourbon Barrel-Aged Honduran Corojo
Factory: Occidental Cigars, D.R.
The first Camacho core line cigar to be produced in the Dominican Republic, the American Barrel-Aged features a blend made up almost entirely of U.S.-grown tobaccos. The secret ingredient in these patriotic smokes? A six-year old Honduran Corojo leaf that was aged for an additional five months in bourbon barrels.
- This cigar oozed with dense flavor right out of the gate: charred wood, cocoa, and mouth-tingling red pepper spice with a lingering syrupy sweetness on the finish.
- If the 1st third was a "10" in terms of flavor intensity, the 2nd was about an "8," as a new wave of smoothness washed over its bold, layered profile.
- About 2 inches in I began to pick up subtle notes of rye bread and honey.
- The 1/2 mark saw the lip-smacking "campfire" note in full effect.
- In the final third there was a return to the full-bodied flavor intensity of the intro. This was by far the richest portion of the smoke, with lots of heavy cocoa, pepper, and strong tobacco flavor shining through.
- The American Barrel-Aged is the first offering under Camacho cigars new "Master Built Series." If this cigar is any indication of what we can expect from the series in the future, I'm looking forward to it.
- For the time being, each box of Camacho American Barrel-Aged ships with 2 complimentary rocks glasses and an ice ball mold set.
- Despite the bourbon barrel-aged leaf component used in the blend, I detected no flavors that were outright "boozy" in nature.
- While I agree with this cigar's listing as "full-bodied," I would add that it delivers its strength in a very manageable, and never-overwhelming fashion.
- This stick displayed the long ashes, straight burn, and full, even draw that only comes with the most well-crafted cigars.
Flavor Report: Dark wood, cocoa, red pepper, syrupy sweetness, rye bread, honey, campfire, rich tobacco
Overall: 10/10
Not only did the Camacho ABA have one of the most engaging flavor profiles I've tasted in a while, but its top-notch construction and perfect burn really put it over the top. If I had to describe this cigar in just one word it would be "impressive." It's not often that I find every aspect of a cigar to be this enjoyable.
Have you tried the Camacho American Barrel-Aged? If so, we'd love to hear your take on it. Let us know what you thought in a comment below.


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A major focus of the Obama proposals to redesign the regulatory system is to bring all the major financial institutions that were implicated in the current financial crisis (or might be implicated in the next one) under regulation. These include hedge funds, investment banks and mortgage companies, which have been only loosely regulated.
The general presumption seems to be that if all the major categories of firms are regulated, with clear lines of regulatory responsibility, all should be well. But will it?


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TTLAB will host its fourth preview of TTNIC sponsored research on August 28, 2017 at the DCIT Conference Room, 2nd Floor, NatSci Building, UWI from 1:00pm.
Presentations will be made by the following researchers on the subjects described as follows…
Devika Bhagwandin, Vrijesh Tripathy and Patrick Hosein, "Association Rule Mining of Household Electrical Energy Usage", ACM International Conference on Data Mining, Communications and Information Technology, Phuket, Thailand, May, 2017
Inzamam Rahaman and Patrick Hosein, "Exploiting Gaussian Embeddings for Directed Link Prediction", 13th International Workshop On Mining and Learning with Graphs, Halifax, Nova Scotia, Canada, Aug 2017.
Ramneek Sekhon, Patrick Hosein, Woojin Seok and Jaiseung Kwak, "Emerging Network Technologies and Network Neutrality Conformance", 19th Asia-Pacific Network Operations and Management Symposium, Seoul, South Korea, Sept, 2017
Inzamam Rahaman and Patrick Hosein, "Exploiting Gaussian Word Embeddings for Document Clustering", Future Technologies Conference, Vancouver, British Colombia, Canada, Nov 2017.
Saffiyah Doolan, Nicholas Hosein, Patrick Hosein and Devika Bhagwandin, "Constant Time, Fixed Memory, Zero False Negative Error Logging for Low Power Wearable Devices", submitted to IEEE Conference on Wireless Sensors.
Steffan Boodhoo and Patrick Hosein, "On the Distributed Optimization of Calendar Events", submitted to IEEE 10th International Workshop on Computational Intelligence and Applications.


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National Chemical Laboratory (NCL), Dr. Homi Bhabha Road, Pune-411008, under Council of Scientific and Industrial Research , a premier research institution under CSIR, New Delhi, conducting research, development and consultancy services in chemical and related sciences, invites applications from Indian Nationals for Scientist posts in different grades. Below are the key details of CSIR NCL Pune Scientist Posts :
Sr. Principal Scientist/ Principal Scientist
03 posts, Pay Scale : Rs.37400-67000 Grade Pay Rs. 8900 / Rs.8700, Age : 50/ 45 years
Sr. Scientist / Scientist
12 posts (UR-6, OBC-3, SC-2, ST-1), Pay Scale: PB-3 Rs. 15600 – 39100 grade pay Rs.7600 / Rs. 6600, Age : 37 / 32 years
How to Apply : Demand Draft for Rs.100/- drawn on any nationalized bank to be made in favour of "Director, CSIR – National Chemical Laboratory" payable at Pune. The following details must be filled up on back side of Demand Draft (i) Candidate's Name, (ii) Candidate's Category, (iii) Post Code Applied For. The candidates belonging to SC/ ST/ PH/ Women/ CSIR Employees/ Abroad Candidates category are exempted from submission of application fee.
Apply online at NCL website from 21/07/2014 to 20/08/2014 only. Take print out of the system generated application form and send it on or before 05/09/2014.
For more details on CSIR NCL Pune Scientist Posts and to apply online :


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$140.81 $189.00
As low as $140.81
Ask A Style Expert: Chat Now - or - 877 443-1951
Lightweight hardwearing and highly versatile the Gamma LT Pant delivers light weather protection air permeable comfort and outstanding mobility. The abrasion resistant Fortius DW 2.0 fabric combines quick-drying nylon with elastane fibres for performance stretch. A brushed polyester waistband provides additional next-to-skin comfort. The Gamma LT's articulated construction and gusseted crotch provide outstanding mobility and freedom while hiking climbing guiding or backpacking.
- Activity: Rock Climbing / Alpine Climbing / Hiking / Trekking
- Inseams: Regular Short Tall
- Regular Fit Straight leg
- Gamma- Highly breathable textiles with stretch and differing degrees of thermal efficiency that can be worn as water-resistant outer layers. High degree of abrasion resistance.
- LT | Light Weight- Built with highly durable top performance materials but designed with a streamlined minimalist set of features to provide very light weight.
- Technical- Moisture-resistant outer face fabric Lightweight and Durable
- Construction- DWR finish (Durable Water Repellent) helps repel water from fabric surface and Stretchy fabric provides freedom of movement
- Patterning- Articulated patterning for unrestricted mobility Gusseted crotch and Straight leg
- Zippers & Fly Configuration- Front fly with snap closure
- Cuff & Sleeves Configuration- Adjustable pant cuff drawcord and Laminated cuffs
- Waist & Belt Configuration- Adjustable integrated webbing belt Snap waist closure and Soft/Brushed lined waist
- Pocket Configuration- Thigh pocket with laminated zip Two hand pockets with laminated zippers and Mesh lined hand pockets
- Logos & Label Configuration- Reflective logo
- Fortius DW 2.0 - 88% Nylon 12% Elastane
Write Your Own Review


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|Attention Developers, Business Owners and Land Investors: Check out this 2.40 +/- acre corner lot (former Silver Lake Ballroom/Irish Pub Sports Bar) at a signalized intersection with about 350 +/- feet of road frontage on the White Horse Pike (Route 30). Public water/sewer, gas, electric available. Great zoning - B-2 (Commercial Zone Highway)- permitted uses include stores and shops of any retail or service use including grocery/food stores, drug stores/pharmacies, hardware/household supply stores, tobacco/newspaper, restaurants, banks, professional offices, beauty shops and more. Close proximity to Route SR 55, RT 42, CR 534 and RT 73. Good traffic counts - 24,480 vehicles per day on White Horse Pike (Route 30). Property includes block 55 lots 6.03, 7, 7.01 & 8.
|This VisualTour is provided by: http://www.warnerrealtors.com


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High Performance Door for wash down applications
Image Slideshow
Click on the image to start the slideshow.
The Goff's Clean Guard doors offer a premium, wash down ready, high performance door. This door comes standard with many premium features that are required for facilities that wash down the area around the door and must wash down the door on a regular basis. The door is designed to be a very durable door that will not rust, corrode or deteriorate in these conditions. It is priced very competitively compared to other doors with the same features and major upgrades.
IP-65 rated, wash down door
Reinforced fiberglass wind bars
Pre-assembled components and simple door design – reduces installation time.
Door panels are chemical resistant
Adjustable projection mount hardware to provide maximum flexibility for many installation scenarios.
Door panels meet NFPA-701 and CSFM flame resistance standards.
Benefits & Applications
Benefits of Goff's Clean Guard Doors Include:
- Controls airborne contaminants.
- Improves building appearance.
- Door panels meet NFPA 701 and California Fire marshal standards flame resistance standards.
- Door panels are chemical resistant.
- IP-65 rated, wash down door.
- Quick installation with only 4 components.
- VFD provides soft start / stop (42″/sec only).
- Reinforced fiberglass wind bars.
Applications Include:
- Food Processing Plants
- Contract Packaging Facilities
- Poultry Processing Plants
- Beverage and Food Packaging
- Any wash down required location
Features of Goff's Clean Guard Doors Include:
- Non-corrosive, construction grade PVC side guides
- Dual door seals for reduced air infiltration
- NEMA 4 (Up/Down/Stop)
- NEMA 4 through beam photo eye
- Stainless steel track transition pieces
- Stainless steel end brackets that support the door roll
- Mildew resistant vinyl door panels are individually replaceable
- Full roll cover to protect the top of the door
- Full width, 40 Mil double polished clear PVC window, optional at no cost
- Direct drive motor:
- 110 volt, 1 phase (40 cycles per hour)
- 208 volt, 3 phase (120 cycles per hour)
- 480 volt 3 phase (120 cycles per hour)
- Manual crank override in case of power failure
- No sewn construction on door panels
Clean Guard Door Warranty
Goff's Enterprises, Inc warrants all Clean Guard doors for 3 years. This includes all component parts including the motor and field labor. Goff's reserves the right to repair or replace warranty items at its discretion.
Have this product? Let us know how it works for you! Click here to send a Testimonial!
Industries Served
Options & Accessories:
Toggle Switch
Toggle Switch is standard on all G1 powered doors.
RF with Remote Control
Transmitter and a receiver. Perfect for use with Fork Lift/Vehicle Drivers.
Pull Cord
Mounts to the ceiling. Perfect for Pedestrians & Fork Lift/Vehicle Drivers.
Reflective Photo Eye
Optional safety photo eye is available on powered doors.
Nema 1 – 3 Button Controller
Optional on G1 Doors.
NEMA 4 – 3 Button Controller
Up/Down/Stop controls
Motion Detectors
Automatically detect pedestrian and vehicle motion within a certain range of the detector.
Projects around an existing door.
Motor Option
Standard 20″/sec Direct Drive Motor
Offered in 115 volt, single phase (40 cycles per hour) or 208 volt 3 phase (120 cycles per hour).
Standard 42″/sec Direct Drive Motor with a VFD (Variable Frequency Drive)
Offered in 115 volt or 230 volt, single phase (120 cycles per hour) and 230 volt or 480 volt 3 phase (120 cycles per hour).
Sizes & Colors
Goff's Clean Guard Doors are available in sizes up to 12′ x 12′
12 Vinyl Color Options!
Forest Green
Field Green
*The color options shown are not an exact match. For samples of the material please contact Goff's.


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July #ExtraCreditChallenge
Work out for 20 days and log them into Beyond The Whiteboard
Between vacations and weekends away, this is a tough time of year to stay consistent. In light of that, our challenge for July is to work out at least 20 days over the course of the month.
But that's not all–to help keep us all accountable, part of the challenge is to record the workout somewhere. We recommend Beyond The Whiteboard, but you can really do it anywhere–on your phone's calendar, on your wall calendar at home, in a journal.
The important thing is that we take the extra step to record the workout, because it helps keep us accountable. It helps make your hard work seem a little more real. And best of all, at the end of the month you'll be able to look back and see what you've accomplished.
Not a member of Beyond The Whiteboard? Click here and go through the signup process. After you search for CrossFit Hoboken, enter code HOBO588 to connect with us. It's free!
Need a little more help staying consistent? At the beginning of every week, schedule your workout time into your calendar just like it's an important meeting. And then DON'T cancel it! Your workout time is just as important as a meeting, because it's your time to take care of yourself.
Here's to staying on the wagon through the summer months. Best of luck, everyone!
2018 06 30


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That feelings you get when you just received a wedding invite, seriously it's amazing isn't it?. Weddings are fun, exciting and one great moment to connect with friends and family, but one awkward moment is when you get really confused on what to wear to a wedding. Weddings are great even if it's not your wedding, the first thing that always come to your mind when you think of attending a wedding is what you will love to wear to a wedding, believe me the confusion is real. Although if you have friends you can always coordinate, discuss and decide on what to wear to a wedding, but what if you decide to attend a wedding with a unique style why don't you try rocking a nice Ankara dress?.
Ankara which has been around for the past few years now has become really popular as the regular African traditional fashion style. Ankara has pave way for a lot of fashionista since they come in different variety of patterns and colours, with the right combinations of colours and pattern you can create your own unique style using the Ankara. Although the Ankara style is not all about gown there are other things been made from Ankara such as, skirt, blouses, shoes, bags and even accessories.
Ankara is popular among Nigerian women and is known as a "traditional wear". The most popular brands of this fabric are:
- Nigerian wax.
- Dutch wax.
- Ghana wax.
- Vlisco.
So what makes for a nice and exciting Ankara wedding guest dress? Well let's take a look at some of this amazing Ankara wedding guest dress style that are sartorially approved which you can easily wear to a wedding.
Wedding Guest Outfits – Dos and Don'ts
You really want to know some of the things you can and can't do when choosing a wedding guest outfit, or else you don't want to attend a wedding looking way too awkward.
- Always go with outfits that are romantic and do not reveal your body too much.
- Style your outfit with nice accessories.
- Do your self a favour and opt in for good shoes that are comfortable even for dancing, because reception comes after wedding ceremonies which features dancing.
- Make sure you respect your invitation by sticking to the theme.
- If you plan going to a wedding with a bag make sure you avoid bags like beach and big office bags, bags like clutch or a sling bags are good option for you.
- Avoid dresses that are way too revealing.
- Avoid loud and glaring colour dresses for your outfits.
- If you are not among the bridesmaid please avoid dressing up with matching clothes.
- White dresses are off the list, so don't go for white colour outfit when attending a wedding.
- For wedding dress keep your outfits less formal or casual, you should watch out for distressed denim, flip flops and jeans.
Final Words
There are different ways to dress to a wedding as a guest, although picking the right outfit can be a little tricky that is why we have put together a list of amazing Ankara outfits you can easily style to a wedding as a guest. When dressing for a wedding you don't want to look overdressed or under dressed and look less interesting so always be careful how you choose your outfit.
Do you have any idea of an elegant well balanced wedding dress? You can easily let us know by dropping a comment below, thank you.


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- (verb) a short, sharp sound made by a horn, trumpet, or similar instrument. "an accidental toot from the saxophonist"
- a snort of a drug, especially cocaine. "he still likes a toot"
- cocaine. "you won't have me to supply you with free toot"
- a spell of drinking and lively enjoyment; a spree. "a sales manager on a toot"
- sound (a horn or similar) with a short, sharp sound. "an impatient motorist tooted a horn"
- make a toot. "a car tooted at us"
- snort (cocaine). "the drawbacks of tooting cocaine"
Toot meaning in Hindi (English to Hindi meaning)
- भोंपू, भोंपू बजाना, कोलाहपूर्ण मद्यपनोत्सव, गूंजना, भोंपू, सीटी, हार्न, हार्न बजाना
Toot origin
- early 16th century: probably from Middle Low German tūten, but possibly an independent imitative formation.
Toot in a sentence (word usage in recent Hindu newspaper)
- Food is the star at Carnegie Hall's TOOT festival, Taste of Our Towns (TOOT), a wildly popular street festival in downtown Lewisburg that benefits Carnegie Hall, is right around the corner.
- Make like an Emmy nominee and toot your own horn, This Sunday night at the Emmy Awards, you'll hear the name of Gwendoline Christie from "Game of Thrones" among the list of nominees for …
- Farting and feminism: Old Greenwich author tells girls it's OK …, As mothers of daughters, the sisters decided to write a children's book, which they called "We Toot: A Feminist Fable About Farting," illustrated …
- Can I toot my own horn without being obnoxious?, The hustle was always real. Now, it's in your face. Everywhere. You promote yourself at your workplace, on your LinkedIn or over an email.
- Hey, Columbia: End The Band Ban, Columbia is serious about its band ban, warning students ominously that band members who tried to toot their horns at a game would be …
Toot pronunciation
How to pronounce Toot


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Many cancers offer an extended window of opportunity for early detection and therapeutic intervention that could lead to a reduction in cause-specific mortality. The pursuit of early detection in screening settings has resulted in decreased incidence and mortality for some cancers (eg, colon and cervical cancers), and increased incidence with only modest or no effect on cause-specific mortality in others (eg, breast and prostate).
Whereas highly sensitive screening technologies are better at detecting a number of suspected "cancers" that are indolent and likely to remain clinically unimportant in the lifetime of a patient, defined as overdiagnosis, they often miss cancers that are aggressive and tend to present clinically between screenings, known as interval cancers. Unrecognized overdiagnosis leads to overtreatment with its attendant (often long-lasting) side effects, anxiety, and substantial financial harm. Existing methods often cannot differentiate indolent lesions from aggressive ones or understand the dynamics of neoplastic progression. To correctly identify the population that would benefit the most from screening and identify the lesions that would benefit most from treatment, the evolving genomic and molecular profiles of individual cancers during the clinical course of progression or indolence must be investigated, while taking into account an individual's genetic susceptibility, clinical and environmental risk factors, and the tumor microenvironment. Practical challenges lie not only in the lack of access to tissue specimens that are appropriate for the study of natural history, but also in the absence of targeted research strategies. This commentary summarizes the recommendations from a diverse group of scientists with expertise in basic biology, translational research, clinical research, statistics, and epidemiology and public health professionals convened to discuss research directions. This article is protected by copyright. All rights reserved.
Journal of cellular physiology. 2015 Oct 27 [Epub ahead of print]
Sudhir Srivastava, Brian J Reid, Sharmistha Ghosh, Barnett S Kramer
Division of Cancer Prevention, National Cancer Institute, National Institutes of Health, Bethesda, MD. , Divisions of Human Biology and Public Health Sciences, Fred Hutchinson Cancer Research Center, Departments of Genome Sciences and Medicine, University of Washington, Seattle, WA. , Division of Cancer Prevention, National Cancer Institute, National Institutes of Health, Bethesda, MD. , Division of Cancer Prevention, National Cancer Institute, National Institutes of Health, Bethesda, MD.


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Karnataka 2nd PUC result 2018: The Department of Pre-University Education, Karnataka, is going to release the results of 2nd-year examinations on Monday. All the candidates who had appeared for the examinations can check their results through the websites, kar.nic.in, karresults.nic.in and pue.kar.nic.in. Around, 6,90,000 students had appeared for the PUC 2nd exam that was held between March 1 and 17. In case, the official website goes slow due to heavy traffic, the candidates can check the results through examresults.net/karnataka, also check Karnataka Board 2019 Time Table.
Karnataka 2nd PUC result 2018: How to check
Step 1: Go to any of the websites mentioned above.
Step 2: On the homepage, click on the link for Karnataka II PUC results in 2018.
Step 3: Fill in your roll number and other details.
Step 4: Your result will appear on the screen
Step 5: Download your results and take a print out of the same for further.
This year, students will get grace marks in English and Physics papers for the compulsory question. As per a report by The Hindu, C Shikha, Director of the Department of Pre-University Education, said that the students will be given two grace marks in the English paper for the compulsory question. "For the physics paper, students will be given one grace mark. All those candidates who have attempted the optional questions will get additional five marks," she said. The same is being done due to reports of spelling or typographical errors which caused confusion.
Last year, the overall pass percentage was dipped by 4.82 per cent, the overall pass percentage for this year is 52.38, while last year it was 57.20. The girls performed better than boys in 2017 by scoring 60.28 percentage. The highest score in science was 589 while in commerce it was 595 and 585 in arts. About 355697 students have overall passed the exam. The pass percentage among freshers stands at 59.9, among private candidates, the pass percentage is 22.86 and for repeaters, the percentage is 20.14.
Over 3,700 students could not appear for the final examination this time due to the shortage of attendance. They will be allowed to appear for the same next year now.


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$1/mo WordPress Hosting from GoDaddy!
GoDaddy Black Friday deal: most awaited deal to buy domains names at a very cheap price.
Number of start-ups today is increasing manifold and it has become somewhat of a trend. Engineers, Doctors, Charters Accountants or people of any other profession are up for it. With rise in start-ups, there is going to be a massive competition as well and thus everyone wants to have something that stands out.
One if the most crucial points here is the way we communicate with our business ideas with the masses in general through various Medias around us. Internet in today's world has become one of the best ones and registering your own site is crucial for your business and GoDaddy has been a massive help here.
Brainchild of Bob Parsons, GoDaddy has been serving us with domain and hosting services since 1997. GoDaddy is a site where you can register your own domain name and also offers website hosting services. Domain services are services that are the most crucial in your website development. It searches domains all over the internet and lets you know if you can register or not. Domain in layman's terms means your site name. Listed below are various domain name options
Various Domain options
- Find a Domain
- You have the option of finding your domain here
- You can click on the link domain name search and search if it is already been taken or not
- The Bulk Domain Search enables you to search for a bulk on domain names you would like to have
- This search is better since you can find multiple domain options for your site at once
- You have an option to check out new domain extensions available for your site which broadens your options with the website domain name.
- You can also purchase the domain you want through a Domain broker on GoDaddy.com
- This way there is a middle man in your transaction
- You can also buy the already in use domain name through a Domain broker who can negotiate a deal with the current domain holder for you so that you can get the domain you want.
- You have an option to create a personal domain and link it to your Facebook page as well.
- Domain services
- GoDaddy enables you with the option of Domain transfer as well. Domain Transfer is simple and all you have to do is enter your domain name and hit go.
- After purchase authorize it via your email id and receive a confirmation mail
- You also have the option of keeping your domain private through GoDaddy
- The WHOIS option is a very useful option for GoDaddy users. In case of your desires domain being already taken, you can go on to the WHOIS option and search the domain owner details
- This way you can easily contact the owner and negotiate any details for it if needed
- This is a widely used service and has proven to be very helpful
- Auctions
- You have an option to auction your domain over GoDaddy as well.
- You have an option to sell your domain to other users who would be interested in buying your domain
- Domain Auction is an easy process. All you have to do is enter the domain keyword you would want and hit go.
- A list of options would come up of domains that you can buy and you can start bidding for them.
- You can also put up your domain for sale over GoDaddy.com via an auction
- You can do this in the List A Domain option
- There are many other tools as well which assist you in auctions
- GoDaddy pricing helps in pricing for your domain and makes selling your domain easier and purchasing more affordable
- Investor Tools
- There are many investor tool options available on GoDaddy as well such as discount domain clubs and domain backorders and also CashParking
Along with registering a Domain for a website, hosting is equally important as well. GoDaddy realises that Hosting is an important part in forming a website and has given its Hosting services as well
Hosting services offered
- Hosting
- There are host of hosting options available on GoDaddy.com for its users such as web hosting, WordPress hosting dedicated IP and Premium DNS
- In this way GoDaddy has aimed at covering most number of customers possible
- Web hosting is easy on GoDaddy with their affordable rates and worth the money packages such as starter, economy, deluxe and ultimate
- These packages are cost based depending on your needed ranging from providing an option of only having 30 GB storage to unlimited storage.
- They also have discounts on these packages so that you can save up to 50% on purchasing these packs.
- They have WordPress hosting packages as well ranging from just ₹99 per month to ₹999 to a month giving you extensive features of 8,00,000 monthly visitors and 50GB ssd storage along with 5 websites
GoDaddy has been in business since a long time and is extensively used by millions of users worldwide. This is the best to site to go to for domain creation and hosting options.
$1/mo WordPress Hosting from GoDaddy!
So what are you buying on GoDaddy Black Friday discount in 2017?


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300gsm, 100% Cotton, White, Matte
The fine watercolor paper structure of the surface with a matte finish gives this cotton paper its unique character.
Size: A3 30 Sheets
To be the first to review this product simply fill out the form to the left and let us know how you feel about this product!
To estimate the freight on this item simply enter the destination postcode and the desired quantity and click the "estimate" button.
Get Free Shipping on all orders! No minimum spend! Items are dispatched from our Melbourne Warehouse within 24 Hours*
Shop with peace of mind knowing all items sold @ C.R.Kennedy & Co are backed by genuine manufacturers warranty.
Place a Click and Collect order online and pickup from your nearest warehouse.
C.R. Kennedy is Australia's leading importer and distributor of photographic equipment. Our head office and main warehouse is located in Melbourne with branch offices and warehouses in Adelaide, Brisbane, Cairns, Perth and Sydney.
All rights reserved.
We pay the store, you take the goods the same day.
Choose how you pay - weekly, fortnightly or monthly.
Up to $1,000 interest free always or up to $1,000 with 6 months interest free.
Accepted here:
*A $6.00 monthly account fee applies. Pay your balance by the due date (the end of next month) and we'll waive the fee. See full Ts & Cs


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Product information
Perfect for the quick and nimble mountain explorers amongst us, the Sensifit technology really holds your foot in place while the Advanced Chassis provides under foot support, stability and protection. The Descent Control technology allows you maintain excellent grip even when going downhill thanks to the strategically placed rubber and patterned lugs on the heel of the outsole.
All the while the GoreTex bootie hidden on the inside of the boot ensures waterproof and breathable protection and helps to keep a dry and healthy environment for your foot on the inside of the shoe.
Product features
- Materials:
- Upper: textile & synthetic
- Lining: GoreTex Performance Comfort Footwear
- Midsole: injected EVA
- Outsole: High Traction Contagrip
- Waterproof & breathable
- OrthoLite, EVA footbed
- Advanced Chassis
- Descent control
- Protective heel & toe cap
- Quicklace with lace pocket
- Sensifit
- Gusseted tongue
Salomon has been playing in the French Alps since 1947. Our passion for the outdoors, new technologies and craftsmanship has driven us - and still does - to create progressive gear to enable you to freely enjoy and challenge yourself in the great outdoors.Salomon produce footwear, apparel and equipment for those who see nature as a vast playground. Its passion and genuine understanding of the outdoors allows Salomon to continuously innovate and improve the outdoors experience.


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Where Shepherds Lately Knelt joins believers from all times on a visit to Jesus' manger. A miniature diorama sets the stage for this gentle hymn arrangement invoking the lyricist idea of being a modern-day pilgrim.
Click here to learn about the benefits of becoming a Koiné Worship Media partner →
Since 2003, Koiné has traveled the world pairing their modern arrangements of beloved Christian hymns presented alongside stunning, Biblically inspired, multimedia presentations. Today, our mission is to help ministry partners communicate the Gospel of Jesus Christ around the globe by releasing our music and worship media resources through Koiné Worship Media.


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The Cranberry Educational Foundation is holding its first annual CEF Cranberry Country Kickoff. Proceeds will benefit the Foundation's scholarship fund. The event will be held on Friday, August 11 at the Loon Pond Lodge at Ted Williams Camp in Lakeville from 6:00 to 10:00 pm.
Included in the ticket price is a night of dancing, delicious BBQ fare and everything cranberry. It also features the Southern City Band, B&M Catering and raffles.
Cranberry Educational Foundation's scholarships are given to local students who are graduating from area high schools or currently in college with preference being given to those who study in the fields of agriculture or the environment. Applicants must be from a cranberry growing town.
Tickets may be purchased online at http://cranberrykickoff.ezregister.com. Pre-Sale tickets purchased prior to July 31 are $55. After July 31, tickets will be $65 per person.


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Diapet has modeled the G1, G3 and G4 Preludes over the years in 1:40. As typical with other Diapets, the Preludes focus on operating features rather than fine castings or details.
The G3 Preludes 2.0Si 4WS (1988 model) were very crude in its casting – mainly because Diapet casted the entire door including the window frame as one piece. The moonroof no longer operates. Diapet's G3 Preludes came in 2 variations: the G55 and the SV20. The G55 has chrome wheels and engine while the SV20 has white wheels and a grey engine. Tires are rubber compared to the plastic tires on the G1 Diapet Prelude. On the G55 variation, the moonroof has a casted border but the moonroof itself is a black decal. However, the hood trim and side molding is painted black. The underside of the hood has the sectional details.
Here, the black G3 Prelude (SV20) comes with white wheels.
A Red G3 with white wheels
Here's an Red G-55 version with chrome wheels and extra black details with no box. The tires are cracked
Here, the white one (G-55) has chrome wheels
And finally, a rarer silver


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Broker: Feeling exposed?
Need to know
- PI policy wordings contain some exclusion clauses that leave brokers uninsured in certain circumstances
- The IUA has released model clauses that may address the issue
- Another concern is brokers not buying the right level of cover
Many brokers' professional indemnity policies contain exclusion clauses that limit their cover, leaving them and their customers exposed
In December last year, the Financial Conduct Authority published a thematic review into brokers' professional indemnity insurance, revealing practices which gave the watchdog "significant concerns".
The FCA found that in many cases brokers' PI policies included exclusion clauses that reduced the scope of cover required by its handbook.
"With the way that some of the wordings had been drafted, even if the broker had been negligent, the policy might not pay out," says Your Compliance Matters director Mike Hanson. "Clearly, that is not acceptable for a policy that has been designed to cover the broker's negligence itself."
Post explores the breadth of the issue, and whether brokers are potentially leaving themselves exposed.
The FCA found insurer insolvency exclusions in 140 of the 186 policies it assessed. PI insurers explained to the regulator that the clauses are included as they don't want to underwrite the credit risk of the insurers with which the intermediary places policies.
"The PI market cannot be the last guarantor for poorly capitalised unrated insurers with a business plan that can't work," says Manchester Underwriting Management CEO Charles Manchester. "So when they inevitably go bust, as they do, then you can't have the PI market picking up the losses.
"My sense is that the thematic review was published before there was any consultation with the industry on the FCA's findings. Had there been some consultation, then it would have understood better what the industry's trying to achieve.
"You now have the Financial Services Compensation Scheme consulting on its future and it's talking about potentially subrogating against the PI insurers of brokers that have gone bust. So you've got the potential for quite a lot of aggregation against insurers, should they be giving cover relating to insolvent insurers."
The breadth of the exclusions found by the FCA varied widely, however, with the regulator particularly concerned with how closely linked a claim needs to be to the insolvency of an insurer to be excluded.
Concerning clauses
The watchdog said that "in many cases" it was concerned that the exclusion clause would not provide intermediaries with the necessary cover for claims for which they may be liable.
Model clauses
December 2016
The Financial Conduct Authority publishes a thematic review into GI brokers' professional indemnity cover
April 2017
The International Underwriting Association of London releases two model clauses
Brokers' Professional Indemnity insurance – insolvency exclusion clause
This policy does not cover liability arising solely out of:
(i) the insolvency or bankruptcy of any insurance company, underwriting agent, bank, building society, unit trust or any other business with whom you have arranged any insurance, investment or deposit; or
(ii) your insolvency or bankruptcy or that of any other business through whom you have arranged any insurance, investment or deposit.
International Underwriting Association of London, 10 April 2017
"It is something that the broking community is really concerned about," says Sarah Naylor, insurance partner at Hill Dickinson.
"Brokers speak to us about this a great deal. There have been court decisions where a broker has had to pay out because an insurer has gone under.
"That's why we're in this situation where the PI insurers have for quite some time now put these exclusions in the policy wordings that are going to leave brokers uninsured in certain circumstances.
"You don't see the half of it because most claims will get settled behind the scenes. But it's certainly something that brokers are concerned about.
"There has been a case in Australia where a broker was found to be negligent because he'd failed to advise the client that the insurer's position was tenuous. The Australian case made us a bit concerned that that might be something that brokers might actually need to do."
Manchester adds: "The FCA has clarified its initial comments by saying it's more concerned where a broker has been negligent other than in connection to the insolvency of the insurer.
"That should be covered and it shouldn't be the insolvency of the insurer that gets PI insurers off the hook. Putting that into a clause that works is something that might be harder to do than might at first be thought.
"Is there a big problem lurking there? There have been cases of brokers being found liable for losses arising where an insurer has gone bust. There haven't been many. The thing is at some point there will be a situation where brokers are found to be at fault.
"If you have a well-rated insurer that goes bust, it's going to be difficult to pin it on the broker. If you have an insurer where a lot of the market are thinking 'How the hell are they still existing, writing this kind of product with that kind of a rating without any capital?' that is something that is a potentially large issue.
"Insurers, of course, write policies without insolvency exclusions. There's not many of them, and frankly if they stop and think about it, they might change their mind because actually they're putting their own existence at stake."
Model clause response
In response to the FCA's review, in April, the International Underwriting Association of London released two model clauses that could potentially address the issue by more clearly defining what is excluded from a policy.
The four types of exclusion clause found by the Financial Conduct Authority
Out of 186 policies surveyed:
Insurer insolvency: 140 policies
Non-admitted insurers: 13 policies
Suitability of insurer: 11 policies
Unrated insurers: 2 policies
The first model clause reads: "This policy does not cover liability arising out of the insolvency or bankruptcy of any insurance company, underwriting agent, bank, building society, unit trust or any other business with whom you have arranged any insurance, investment or deposit; or your insolvency or bankruptcy or that of any other business through whom you have arranged any insurance, investment or deposit."
The second model clause is identical, but includes the sentence: "This exclusion will not apply to any circumstance or claim that may be covered under this policy but for the relevant insolvency or bankruptcy".
Chris Jones, director of market and legal services at the IUA, says: "When we spoke with the FCA, it had seen some clauses that it thought were ambiguous that it wanted to raise with the market.
"So we sat down with the FCA and said: 'Let's go through what your concerns are, and whether we can put in place a model provision that can address those concerns'."
In addition to taking legal advice, the IUA consulted the members of its PI forum before drafting the clauses.
"Insurers want to avoid being in a position of responsibility for the aggregated, high-severity credit risk of the insolvency of an insurer with which a broker has placed business," explains Jones.
"From our perspective, it's absolutely not the role of the PI market to meet those potential liabilities. But obviously, the FCA's concern was that some policy clauses could be construed very widely, to exclude any claims. And that's what we agreed with the FCA to address and that's what we tried to do.
"The FCA can't rubber-stamp model clauses but indicated that they were addressing the issues that it had raised."
Mitigating risks
What can brokers do to mitigate the risks posed by broadly drafted insolvency exclusion clauses? Brokerbility chairman Ashwin Mistry believes the answer is simply transparency with the client and proper due diligence into the carriers being used.
"Everybody's known about this for years, so it's not new," he says. "Broker PI doesn't protect against insurer failure, full stop. That's been known by every professional broker since day one.
"You've got a number of fundamental issues. That puts the onus on the broker in terms of the carrier that it's recommending to the customer. The obligation is on the broker to highlight to the end customer the financial rating of the carrier.
"If they go for a premium that is market-competitive but the carrier has a low credit rating, then of course the policyholder will be left without any recompense if the carrier goes under. My personal experience is I've never had a client that's accepted an insurer with a rating that has been questioned by us, let alone the markets."
Naylor says that a broker that takes sensible steps to investigate the solvency of an insurer they place business with will be better able to defend a claim that may be brought against them.
"Brokers in larger networks have security committees that have a system of checking the quality of the security that's afforded by these insurers," she adds.
Mistry emphasises, however, that it is not the network's responsibility to tell brokers "how to behave". He says that Brokerbility has never had to raise the issue with any of its members.
"It's not a network responsibility, and if a network does take responsibility for that, then God help them with their own PI!"
Hanson adds: "The majority of our clients use a specialist PI broker to arrange the cover for them. And perhaps they are trusting that those PI brokers are ensuring that they are getting the cover they should have.
"There has been a level of trust by the brokers who are actually buying the PI cover that may have been slightly unwarranted. So they need to look very closely at the wordings for the cover that they're being provided with."
Mistry says he has seen examples of brokers limiting their liability with their customers in their Terms of Business Agreements.
"For example, a broker insures a company, and says: 'The PI for you is only £2m. If my business screws up, I'm only going to cover you for that if we're liable'. But the client's exposure could be many times that.
"Some brokers will potentially go down the limited liability partnership route, and that's another strange thing to do, but again it's brokers trying to protect their position.
"There's a whole range of issues in terms of limiting liability, Terms of Business Agreements, the impact of the Insurance Act, the limits of indemnity and obviously the client's understanding of the capacity of the provider with which they're placed.
"This is not a new issue, it's been going on for a very long time. Most people have decided to stick their heads in the sand, and hope it doesn't really exist because it never impacts on them, but I suggest now with the Insurance Act, it's somewhat different."
Hanson says, however, that unless a broker receives a signed document from the client agreeing to liability limitations within a Toba, it is "unclear" how enforceable the limitations would be.
"Although it's important and it's embarrassing for the industry when this sort of thing happens, in a way it's slightly a red herring," says Manchester.
"What's arguably more important is that brokers aren't insuring themselves enough for the sort of things that should be covered."
Real danger
Manchester believes that the real danger to brokers is failing to buy the right level of cover. "Most brokers have got clients insured well into the millions and sometimes hundreds of millions, yet they buy PI cover at the absolute bare minimum required by the FCA," he notes.
"Although there is a limit on how much brokers should spend on insurance, the cost of buying £2m PI cover increased to £5m or £10m really isn't that much. But they're buying the bare minimum.
"That's a much bigger issue because every year there are a number of total loss claims on brokers' errors and omissions insurance policies that are inadequately covered because of the amount of cover that a broker buys.
"You can spend years building up your business and then put it all at risk for the sake of not a lot of money by not buying adequate cover. There is an irony there but it's not that funny."
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Celebrating International Disability Day
Marking #InternationalDisabilityDay with some great personal stories highlighting the unique talents people with disability can bring to our business. Thank you to all our speakers Steven Dows, Emma Case, Marianne Waite, Paul Dockerty #futureisaccessible pic.twitter.com/7x4eWGtEWh— AXA UK (@AXAUK) December 3, 2019
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Robin + Scott's Chateau Laurier wedding was elegant and classy, start to finish. The Prime Minister's Suite was a fitting backdrop for Robin's bridal prep and time spent with her bridesmaids pre-ceremony sipping champagne and sharing laughter. When it was show-time, Robin's sister helped her step into her gown and her girls ensured every last detail was perfect before leading Robin to the Chateau Laurier terrace where Scott was waiting with is groomsmen. The terrace afforded everyone a gorgeous. sunny view of Parliament Hill and the Locks while Robin + Scott exchanged their vows. A few quick photos post ceremony and then Robin + Scott joined their family and friends for a lovely reception in one of the Chateau Laurier's gorgeously appointed ballrooms - elegantly decorated by The Gathering Event Company. Scott's toast to the bride was a genuine reflection of his love for Robin and gained a standing ovation in the house. Congratulations, Robin + Scott - thank-you for giving over your trust to me to capture the elegance of your day.
Venue: Chateau Laurier, Ottawa
Florals, Decor & Day of Coordination: The Gathering Event Company
Hair: Richardson Hair Design
Makeup: 2BU Artistry
Weddings at Le Belvedere are always a gorgeous affair, with Milena +Yuki's wedding being no different. Partial day coverage of their wedding gave me a snapshot that their evening celebrations were going to be elegant and glamorous - just like this couple. Milena was absolutely stunning in her Revelle gown, almost bringing Yuki to his knees during their first looks. (Ugly crying has never looked so beautiful and genuine.) Milena + Yuki then stole some moments away to create some keepsake bridal portraits before heading to their ceremony. Their guests were treated with the iconic cliffside ceremony site at Le Belvedere - where views match the beauty of each bride who walks down that aisle. A few chosen words and the popping of champagne later, Milena + Yuki are now Mr. and Mrs. They finished their coverage with key family photos and then joined their guests for the clinking of glasses and well-wishes. Thank-you, Milena + Yuki for entrusting me with the key highlights of your day!
Want to see another Le Belvedere wedding? Click >> HERE << to see Coline + Chris's wedding!
Venue: Le Belvedere
Photography: Elenora Luberto, J E M M A N | photography
Videography: Matt & Kat Films
Bridal Gown: Revelle Bridal
Groom's Attire: Indocino
Bridal Bouquet, Decor: Floral Reef Designs
Bride's Hair and Makeup: Leslie-Anne Barrett
Bride's Tiara: EDEN LUXE Bridal
Sarah & Sasha: An Elegant Backyard Wedding in Brockville That married Tradition with Modern
Sarah + Sasha knew they wanted their wedding to be meaningful and intimate, with an ode to their family cultures and traditions. Blending Sasha's Russian heritage and Sarah's family roots, they chose to have their wedding at Sarah's family home in Brockville. On wedding day, Sarah happily greeted her guests dressed in Russian tradition (wearing one of her two gorgeous floral crowns by Colonial Flowers in Brockville) and broke bread (she made!) with her future husband while their family-style meal was being prepared on-site by Victor Dries Curated Events. Then, when it was time, she and her closest family members retired to the bridal suite to dress for the ceremony while guests mingled with cocktails and appetizers. When Sarah emerged in her Powder Bride gown by Lihi Hod and made her way to the ceremony site, she literally made her stoic Russian husband-to-be crumble with emotion. The fathers officiated a ceremony filled with personal details and promise. With their kiss, everyone shared a champagne toast to the couple - the beginning of many toasts to the day, a Russian tradition that kept things flowing into the wee hours of the morning. Their tented reception was an elegant affair, beautifully executed by Victor Dries Curated Events and Colonial Flowers - a treat for both taste buds and the eyes. Sarah and Sasha's wedding day was photographed in primarily documentary style - with little direction or posing. Below are some highlights of the day to enjoy while the couple enjoys their full gallery ...
It was destined to be a rainy day at The Mill of Kintail, Kerry + Sean's outdoor ceremony venue of choice, but it made not one iota of difference to these outdoor enthusiasts. Kerry + Sean knew weather could be a risk factor in choosing such a location for their wedding, but they loved The Mill of Kintail Conservation Area regardless as it spoke to their outdoor-loving, wilderness-adventuring hearts for their wedding day. Knowing their love for the outdoors, their guests really weren't surprised that Kerry + Sean didn't choose to move their ceremony indoors when the rain really started to come down and wouldn't let up. Kerry + Sean stayed the course though, grabbed a few umbrellas, saw each other for the first time pre-ceremony and walked the grounds for their creative photos with positive, cheerful attitudes. Perhaps that's the reason why the rain actually stopped long enough for their ceremony, fulfilling their wedding visions without drenching their guests in the process. Julie Keon, Marriage Officiant & Life Cycle Celebrant, officiated a sincere, heartfelt, personalized ceremony for Kerry + Sean that included gifting their two daughters with keepsake lockets that would commemorate the day - something Sean's father did for Sean on his own wedding to Sean's mother. As soon as the "I Do's" were done, Mother Nature gave cause for everyone to dash to their cars and head to Kerry + Sean's Whitewater Brewing Company reception, where Sean is the manager and award-winning master brewer. Not everyone would risk an outdoor wedding in May at The Mill of Kintail, but, if asked, Kerry + Sean would likely tell you it was worth it.
Ceremony Venue: Mill of Kintail Conservation Area
Reception Venue: Whitewater Brewing Company
Gown: Maggie Sottero, Renewed with Love
Bridal Hair: Showpony
Bridal Makeup: Artistry by Jacquie
Florals: Acanthus Flower & Botanicals
Holly + Brady: Married April 12, 2019, Ottawa Police Association and Museum of Nature
There wasn't too much down time for Holly and Brady post-wedding: in fact, next morning, the two embarked on their cross-country drive to Alberta, where Brady would begin his first post as a newly graduated RCMP Officer. Knowing this was in their cards, Holly + Brady got down to business, tied the knot, celebrated with family and friends and are now paving their way out West. Holly + Brady will soon have a gorgeous heirloom album in hand and full gallery to share of their Ottawa Police Association and Museum of Nature wedding, but for now, here are a few highlights of their day:
Despite the constant tease of rain throughout the day, Brittany + Spencer still had a wonderful wedding day - even if the sun refused to make an appearance to warm up temperatures and brighten the day. Brittany + Spencer chose to keep things traditional and didn't see each other until the ceremony; however, they did send each other a special note and keepsake gift in the morning to show they were thinking of each other and looking forward to that walk down the aisle. The drops held off long enough for Brittany and Spencer to exchange their vows outdoors and see their wedding vision through. (Thank-you to Lisa at Strathmere!) A quick dash around the grounds at Strathmere - we nailed family formals, bridal party photos and couples creatives in about an hour! - and then Brittany + Spencer were back in the warmth of The Lodge to celebrate with family friends. You did it, Brittany + Spencer! Wishing you continued health and happiness no matter what the forecast brings you! xox
Hair: Hometown Roots
Makeup: Sophie Alder
Florals: Floral Reef Designs
Gown: Lily's Bridal, Napanee
Bridesmaids' Attire: Runway Bridal, Belleville
Groom and Groomsmen Attire: Tip Top Tuxes
Venue: Strathmere
Cake: Sugar House Cakes
On August 19,2018, I had the pleasure of photographing one of the nicest persons I have ever met and have the continued pleasure of knowing and having in my life.
Her soul is gentle, her heart kind. Where others would frown, she laughs with an easygoing spirit and generosity. Those who have been on the receiving end of her smile or who have heard the music of her laugh, know that both are genuine and given freely without reservation despite any challenges life decides to throw her way. This wonderful soul is my assistant, Aynsley - and those who are in her many circles - or at the very least have been fortunate enough to receive her care on wedding day -- know that everything I say here about her is true.
And, so, it would be only fitting if an equally beautiful soul recognized Aynsley's and they spoke to each other. That soul is Shawn's. The more I learned of Shawn and got to know him, the more I knew that his soul IS the fitting complement to Aynsley's. Those who came before him have no idea of the fortune they failed to invest in -- and all that Shawn and Aynsley have now gained. It makes my heart happy to watch Aynsley and Shawn together: they work, play, laugh and cry together, recognizing and appreciating the value in each other and their families, truly uplifting and supporting each other.
My friend is safe and sound.
And this is what snippets of happiness look like:
Hair: Showpony
Makeup: Megan Roberts, 2Bu Artistry
Gown: Stella York, With Love Bridal
Suit: Surmesur
Florals: Sheila, family friend
Cake: Made by Nikki
Ceremony Venue: St. Brigid's Centre for Performing Arts
Reception Venue: Central Bierhaus, Kanata
Videographer: Elephant Shoe Media
Live Band: Southbound Boots
Longtime sweethearts, Coline + Chris managed to squeeze in a wedding for themselves amidst countless moves and busy work schedules. Even though Dutch roots and tradition are strong on Coline's side - her extended family traveled from the Netherlands to celebrate with her - Coline + Chris still opted for non-traditional first looks to spend time with one another before sharing the day with their honoured guests. Foot traffic was stopped at the Wakefield covered bridge so that Coline + Chris could have a few intimate moments to themselves as they greeted each other as bride and groom. Creatives then followed at the ever-gorgeous, ever-professional Le Belvedere. The sun hid long enough for a very comfortable outdoor ceremony without the need for sunglasses or shade. Because their photography was done pre-ceremony, Coline + Chris could then enjoy a few family photos, cocktails with friends and then a quick entry to their reception where they could truly relax and enjoy their celebration. Congratulations, Coline + Chris! Wishing you many many more years of happiness together!
Bridal portraits, first looks and couples creatives were absolute priorities for Kristin + Grant as they tied the knot in an outdoor garden ceremony at the Perth Manor Boutique Hotel in Perth. I had the pleasure of photographing Kristin as she got ready with her closest family members (Grandma, Mother and brother) and maid of honour assisting. The Beach House in Perth is responsible for Kristin's pretty makeup and softly elegant updo. Kristin's gown from Sinders Bridal House fit Kristin's petite frame like a glove, highlighting Kristin's stunning back and fit curves in all the right places. A gorgeous bouquet from Apropos Flowers was the perfect finishing detail to Kristin's bridal look -- a sentimental locket containing a photo of Kristin and her father was attached and at her fingertips so that she could easily be reminded of his presence. Kristin's first looks with Grant were genuine - just look at their shiny, beaming eyes as they saw each other for the first time on their wedding day. A quick jaunt to Stewart Park for their couples creatives closed out the afternoon for Kristin + Grant before they headed back to Perth Manor to exchange their vows and officially become "husband and wife". Thank-you, Kristin + Grant, for entrusting me with capturing some of the important high-lights of your day!
Although family and friends might have wanted to celebrate with a large, elaborate wedding for Abigail + Matthew, this pair decided on a more quiet, intimate day instead. As wedding day dawned, unbeknownst to many, Abigail + Matthew literally snuck away in the early morning to rendezvous at the site of their engagement: Mer Bleue. There, they saw each other for the first time as "bride" and "groom" and spent some time in each other's company, laughing and reminiscing while the rest of the world slowly awakened to their wedding day. Their little girl, Elizabeth, joined them for some sweet family captures before the duo departed as a family of three to enjoy the rest of the day with closest family and friends at their intimate reception at Vittoria Trattoria. Thank-you, Abigail + Matthew for inviting me to share in some of the most intimate moments of your day! Wishing you the happiest of days!
Jenny + Chris had a beautiful Orchard View wedding in Greely, Ontario. Jenny was elegantly stunning in her Paloma Blanca ball gown from Renewed With Love (one of my absolute favourite bridal looks from this year's wedding season! LOVE LOVE). Alina Sauve and Kayla Drew made sure Jenny's makeup and hair were perfection. Jenny's crystal blue eyes were bright and sparkling all day, her long blond locks strategically styled in a loose side-swipe that was fitting for such an elegant gown. Jenny was such a vision that it was no surprise that Chris broke down into some ugly crying at the sight of his bride during their first looks. Jenny shed a tear as well looking at her groom: Chris himself looked handsome and smart in his suit from Moores; his white vest and tie were smart. Love me a 3-piece suit on a groom! Jenny + Chris's day was lovely, the skies blue and the smiles wide. Congratulations, Jenny + Chris. Thank-you for trusting me on your most special day! xox
Because of a very restricted timeline (sometimes it happens!), we literally had just over an hour and a half to chronicle Stacey + Doug's First Looks, Creatives, Family Formals and Bridal Party photos before jumping into our vehicles to make it for their outdoor ceremony at Equinelle Golf Club in Kemptville. Talk about running a tight ship: We concentrated on what was most important, kept communication very clear, and directed individuals, pairs and groupings into as many photographic opportunities as possible - both candid and posed - while ensuring smiles remained on faces and laughter could still be heard in front of the lens and in the background. We got 'er done. Congratulations, Stacey + Doug! Enjoy your keepsakes: Thank-you for trusting me to get you what you wanted and needed!
My coverage of Danielle + Milo's Brockville Country Club wedding started at First Looks and concentrated on the highlights that were most important to them: creatives, family photos and the ceremony. Milo absolutely beamed seeing Danielle for the first time in her Maggie Sottero gown from ISIS Dress for Special Occasions. Becky Chevrier and Megan from Aura Brockville enhanced Danielle's natural and happy glow. Milo was handsomely classic in his navy Tip Top Tailor suit. Colonial Flowers provided the perfect floral accents to Danielle + Milo's elegant looks. Danielle + Milo were all smiles throughout their portraits, laughing and enjoying in each other's company before heading to their ceremony at the Brockville Country Club. With the sun setting behind them, Danielle + Milo exchanged their vows and sealed their promises with a kiss that was met with clapping and cheers from family and friends. Congratulations, Danielle + Milo - it was an honour to capture the highlights of the day that meant the most to you! xox
I knew as soon as I met Cynthia at a bridal show that we both gravitated to a similar style. She studied my work and I could tell the images spoke to her. A consultation allowed us to confirm our suspicions ;) and, happily, she and Brian booked me to photograph their August 2018 Graydon Hall Manor wedding in Toronto. Putting their trust in me, we opted for an Experimental Farm / Dominion Arboretum engagement session in Ottawa that would provide a contrast to the images we plan to create on wedding day. On a gorgeous July evening, Cynthia + Brian willingly allowed themselves to be put through the paces of play and posing, trusting that their images would reflect their personal style and connection. Thank-you, Cynthia + Brian for your trust - such fun working with you! So excited for August! xox
Where were you on Saturday? If you didn't make your way to 1281 Wellington Street West, you missed one of the best birthday parties in Ottawa. Revelle Bridal turned One - and celebrated in style with The White Party.
Celebrants - brides and wedding industry peeps alike - were greeted upon arrival with a toast and bubbly, handsomely served by Sip Beverage Bike. Pollen Nation provided the stunning floral installations and sweet accents to charm the eyes and senses every way one turned. Brides were able to browse Revelle's curated collection of gowns, accessories and jewellery, asking questions, receiving guidance and setting up personal consultations for the future. Stor by Margot was on site, showing off her stunning collection of exquisite rings for both him and her. And swag! Gift cards, complimentary items and giveaways were on every table and in every swag bag (including a $1000 Grand Prize!). Suzy Q Doughnuts, Batter Up Bakery, Hey Sugar Candy Co, Valentina's Sweets, Supply and Demand Oyster Bar made everyone smile because who doesn't like Champagne with their sweets or oysters?
Congratulations to the Revelle Bridal team for turning One! You definitely know how to celebrate in style. Wishing you many many more parties in honour of your future successes!
Michelle and Nick are a solid, quiet couple, with ready smiles and generous hearts. Their wedding day was calm and intimate, full of quiet happiness. Salt of the earth these two are, along with their friends and families. Thank-you, Michelle and Nick, for choosing me to document your day and for giving over your trust to me. xox
Paulina and Carey's wedding was two years in the making - 2 years of sourcing, collecting and storing all the little tidbits that would come together to make one glorious day. In every nook and cranny there was some unique item that linked back to Polly and Carey in an intimate, personal way - from venues, wardrobe, decor, food, drink ... everything held special meaning to either the bride or groom. It was a wedding of Pinterest dreams, but with total meaning and integrity. Nothing was mindless. At one point in the day, Carey jokingly teased Paulina and said the contents of her brain had spilled out all over the backyard. If that's the case, oh what a magnificent mind! And, more importantly than that was how family and friends helped provide the glue of Paulina and Carey's vision and craft. Many hands make light work; it was impressive how the love in those hands came together to put the "extra" in "extraordinary". It was wonderful to witness and made it all the more a joy to capture. Congratulations, Paulina + Carey - one of the sincerest weddings ever! xox
Amanda + Jimmy: A Toronto Winter wedding at St. Clare of Assisi Catholic Church & Chateau Le Parc
Amanda wanted a winter wedding and Mother Nature did not disappoint, constantly providing fresh blankets of snow throughout Amanda + Jimmy's day. Amanda was snow- angel-like in her Haley Paige bridal gown from Pearl Bridal House. Her bridesmaids were stunningly dramatic in their shimmering black gowns from Eccentrica Boutique. Alana from Beauty by Alana and Joanne Pocitto for makeup ensured that Amanda and her girls were truly flawless. Jimmy was smart in his bespoke, custom-made suit, flagged by his handsome groomsmen - all dressed by 4 Men United in Woodbridge. Amanda + Jimmy exchanged their vows at St. Claire of Assisi Catholic Church - a church that is both majestic and inviting - followed by a reception at the newly renovated Chateau Le Parc - a Concord venue that blends both old and new world style, suitable for any event. Florals and Decor were provided by The Social Rose - I wish you could have smelled the reception hall - just divine! Fresh florals were also incorporated into the Nutmeg Bake Shop's semi-naked wedding cake. Gorgeous, gorgeous. Thank-you, Amanda + Jimmy, for the honour of selecting me to photograph your day and to work with your wonderful families and friends - wishing all of you a lifetime of health and happiness! xox
She didn't see it coming.
My dear friend and assistant, Aynsley, volunteered herself and her partner, Shawn, to be my models for a couple's winter "practice session" on Ottawa's Corktown Bridge - also known as the "Love Lock" Bridge where couples come to profess their love for one another, attach a "love" lock to the rails and throw away the key. What Aynsley didn't know was that with her kindness and willingness to help, she had played exactly into Shawn's plans for a surprise proposal in such a fitting location.
Shawn had privately messaged me earlier with his desire to propose to Aynsley on the Love Lock Bridge in Ottawa - and to have it photographed. A plan was hatched and Aynsley unsuspectingly stepped right into it. A few poses later, Shawn was on his knee asking Aynsley to marry him, to which she laughed and said "yes, I'll marry you!" Shawn obviously had a lock prepared for the bridge: together, they found its "forever" spot, attached it for all time and threw away the key.
They were joined by their dog, Kea, for a few family keepsake photos and then spent the rest of the afternoon skating on the Canada 150 rink, basking in the glow of their little secret that had yet to be shared with the rest of the world.
Thank-you, Shawn, for entrusting me with your special plans to propose to Aynsley. It was perfection. So looking forward to August 19, 2018!
Jamie + Corey: Married October 16, An elopement at Willowstone Church and Gardens
Jamie +Corey planned to elope with a quaint early morning weekday ceremony at Willowstone Church, but at the last minute, decided to include their closest friends and family to share in their joy. Getting right down to business, 8am had them exchanging their vows and 1pm saw them on their way to the airport for their honeymoon with well-wishes from their closest kin - just the way they wanted. Congratulations, Jamie + Corey - and thank-you for including me to create the important keepsakes of your special day!
Reagan + Corey: Married October 14, 2017, A fall Wedding at Equinelle Golf Course
Reagan + Corey knew they didn't want full day coverage of their wedding, choosing instead to pare down their budget and concentrate on getting photo keepsakes of their first looks, creative photos and family photos - photos they could hang on their wall as reminders of their day and future together as a blended family.
Reagan + Corey enjoyed their first looks privately on the grounds of the eQuinelle Golf Course in Kemptville. They spent some time in each other's company - savouring the moments - before being joined by their children for family photos / bridal party photos (cutest bridesmaids and groomsmen ever!) and before hosting responsibilities kicked in that would pull them in different directions.
Reagan + Corey chose what was right for them. At the end of the day, they have keepsakes of what is most important to them. xox
Sometimes you don't have to travel too far to find a "nice location" for photos. Brittany + Spencer used their own backyard for their engagement session. Granted, their backyard has cornfields, green space and some wonderful light. Regardless of location though, an engagement session can be a no-pressure warm-up to wedding day - allowing the couple to get accustomed to their photographer and the process of having photos taken that represent their relationship. Looking forward to October 2018, Brittany + Spencer!
Kristen + Eric chose Thanksgiving weekend to bring their family and friends together to celebrate not only their thankfulness, but their vows.
Kristen was gentle and regal in her Amanda-Lina Boutique gown, timeless accessories and classic florals by The Gathering Event Company. With her bridesmaids scattered around the globe, the only instruction Kristen gave for their individual gown choice was that it had to be grey: and just look how well her best friends pulled their ensembles together sight unseen!
Rain squashed our plans of photos in the Dominion Arboretum but the shelter of Lago Restaurant and Dow's Lake still provided a fitting backdrop for Kristen and Eric's super sweet, super genuine first-looks. Eric was completely floored with the sight of his soon-to-be-bride. (I'm a huge fan of first looks - and with private moments like these, you can understand why.)
The Gathering Event Company transformed Lago Restaurant into an elegant ceremony space and then retransformed it into an inviting and comfortable dining space while family photos were being taken. (So impressive! Kudos on the joint efforts of The Gathering Event Company and the staff of Lago Restaurant for that impressive flip!)
Kristen + Eric's wedding was one of my favourite weddings of 2017. Despite my catching fire while Kristen walked down the aisle (see the backstory under the "Meet Elenora" tab), Kristen + Eric's day was sublime and a perfect fit for a weekend of "thankfulness". xox
Andrea made a shy, quiet bride, but her soulful eyes and radiant smile speak of her happiness marrying Jason. She looked stunning in her Essence of Australia gown from Bridals by Al-mor, her hair and makeup absolute perfection by Richardson Hair Design (my favourite updo of the 2017 wedding season!) and 2BU Artistry . Her florals by Floral Reef Design provided a wonderful balance of classic style and pop of colour. Andrea and Jason's day was coordinated and executed by Custom Events - who patiently caters to both clients and vendors alike to ensure a smooth, stress-free day.
Andrea & Jason's first-looks were private and very emotional. Jason could not restrain his tears seeing his bride-to-be for the first time - and then again as she walked down the aisle to make their union official and their little family complete. What these two may lack in loud words, they make up for in quiet devotion and love to each other and for their little boys.
Thank-you, Andrea & Jason, for your trust in photographing your intimate moments. I wish you and your little family a lifetime of happiness! xox
Andrea + Derrick: Married August 5, 2017 - A BackyarD Asian - Canadian Wedding Planned over 3 Provinces
Andrea + Derrick are proof that you can successfully pull off planning a wedding from afar, in 3 provinces actually!
They booked me from Yellowknife in the Northwest Territories and then continued to plan their backyard wedding in Winchester, Ontario from Calgary, Alberta. Couples - don't let geography stop you: With a little patience, trust and technology, anything is possible. We forged a connection over email, phone and Skype so that working together on wedding day - the first time we actually met in person - was seamless.
You can tell from their photos that Andrea + Derrick were excited but relaxed - even calmly dealing with unexpected downpours that made for dramatic skies in their photography and humorous memories. They rolled along with laughter and happiness. In fact, Andrea's only concern was her origami cranes that she had painstakingly made for her Asian - Canadian ceremony - but they held up to the weather well, a fitting and lasting tribute to her family and cultural traditions.
Congratulations, Andrea + Derrick. It was my honour to have your trust as we stepped through the planning of your wedding day! xox
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October 2019