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Changing the Game for Drug Delivery with Robert Niichel, CEO of SmartTab
Robert Niichel the CEO of SmartTab is creating ingestible capsules for drug delivery of biologics and targeted medications. Think of a pill you take that tells medications where to deliver their remedy—like an Uber driver or GPS for drug therapy.
The SmartTab platform is intended to replace both traditional coated capsules and injections. We're on a mission to provide novel administration routes and effective therapies that improve patient lives.
About Robert:
Robert Niichel has 20+ years of experience in Pharmaceutical Research and Development, holding numerous pharma delivery system patents issued and pending in the United States and Globally. Niichel started SmartTab in 2016 as an evolution of his prior startup company which brought pharmaceutical technologies into the sports nutrition and consumer healthcare space.
Resource links:
Apply to be on the show: https://forms.gle/uUH2YtCFxJHrVGeL8
Music by keldez
Show Notes:
- https://www.linkedin.com/in/startupminute/
- https://www.alix.vc/ron-shigeta
- The Bio Revolution by McKinsey Global Institute
Transcript is automatically generated. Please kindly excuse any grammatical and/or spelling errors.
[00:00:15] Kelly Stanton: Hi, everyone. Thanks for turning into from lab to launch today. If you haven't already please subscribe, rate the podcast and share with your network. We'd absolutely love that. I'm Kelly from Qualio and I'm your host. Today we're talking to Robert Niichel the CEO of SmartTab, SmartTab is creating ingestible capsules for drug delivery of biologics and targeted medications.
Think of a pill you take that tells medications where to deliver their remedy. It's pretty cool. It's like an Uber driver GPS for drug therapy. So Robert comes to us with 20 years, more than 20 years of experience in the industry pharmaceutical high-tech holds numerous patents in pharma delivery systems.
Hopefully we'll, we'll get a chance to talk about that here a little bit today.
welcome. It's great to meet you.
[00:01:03] Robert Niichel: Thank
[00:01:03] Kelly Stanton: you for having me. You bet. We'd love to hear what was the catalyst to launching SmartTab?
[00:01:09] Robert Niichel: Yeah. Great question. So you have to go back a little bit, maybe about 10, 12 years.
My background is in the pharmaceutical space. About 10 years ago, I started a company called Nano Pharmaceutical Technologies with the idea to bring pharmaceutical types of technologies, to sports, nutrition, consumer healthcare, and then as an extension of that the next step was to blend in wireless technology, digital technology to delivery systems. So to that end SmartTab was really started as a mechanism, as an adjustable capsule that has electronics onboard has a small battery on board. You swallow it, it moves to a certain place in the GI tract, and then it releases the active ingredient based upon a signal.
Sent in from perhaps a iPhone or an iWatch. So really the catalyst was taking my career, my experience one step further. You know, you look all around and you see cell phones and you see I-phones and other types of iWatches and computers. But if you go into a pharmacy, it looks pretty much the same as it did 50, 60 years ago.
So the thinking was, if we could expand in that direction with technology, that would be pretty grand. We would have better patient outcomes. We would be able to tie into some of these other platforms. So really it's, you know, like a lot of people do. When they started a company, they have an idea.
That's maybe an extension of what they're currently doing or something better than they're currently doing. And then they'd look to implement that. So that's how it all started with SmarTab
[00:02:47] Kelly Stanton: Nice. Yeah. I was reading a little bit on the website about the benefits technology, right? So targeted drug delivery. Tell us a little bit about that.
[00:02:56] Robert Niichel: Yeah. So what are the key things is this is very much patient focused. So we contain a lot of data. We obtained from patients. We'll have these networking sessions, we'll have focus groups with people, we'll get them together. And maybe one of them for example, is from Crohn's disease.
Today. People will perhaps have to self-inject with a syringe and a needle into their arm or leg once a week. You know, categorically people would like to see that go away. And if you could replace a syringe and needle with a capsule, that would be very exciting. So really the key here is that.
That's where we start, how can we make these lives better for patients and then working back from there. Okay. Now we need a capsule that will have these types of characteristics. Then we've moved backwards from that to how do we develop it? How often do you have to take it? What types of drugs can be used?
And from there we really move forward in focusing on how this can make a better outcome for the patients.
[00:03:53] Kelly Stanton: That's exciting. as I was reading some of the benefits there and the trying to get, I know there's a lot of innovation going on around drug delivery because somethings are very effective, in the dish on the bench.
In that very targeted sort of, situation. But as soon as you put it into your body, you've got all these other processes that come into play. It gets digested before it gets there, or you have to take so much of it to get therapeutic levels you know, to a place where it actually works, but now it's toxic because of the volume you have to take.
So that's, that's pretty exciting. We noticed that you're running an equity crowdfunding campaign. Why did you choose that route for funding?
[00:04:30] Robert Niichel: Oh yeah, exactly. So, today before the equity crowdfunding, we've been pretty much self-funded myself, some individual investors we've raised about $4 million.
We were actually approached by start engine a few months ago. And they were like, you can do crowd funding campaign. And we looked at it as one of our shorter term goals over the next year is to get listed on the London stock exchange. So we're moving in that direction to get that done. So for some type of intermediate finance team, we thought, well, this could be interesting because it would expand our investor base who gives more publicity.
So then when we do go on one of the exchanges, we will have more visibility and it has done that to a large extent. We will need to raise, you know, larger capital typically than crowd funding will provide, but it seemed to be a good intermediate step. So kind of branching into, you know, moving outside.
Of just our individual investors to get more a public platform. So that was really kind of a intermediate step sets the stage to get listed on one of the exchanges. And then from there, we'll continue moving forward, raising capital.
[00:05:41] Kelly Stanton: Oh, that's exciting. Has it been w has it been easy, challenging, different than things you've experienced in the past?
It's kind of a unique approach, I think, to drug delivery, you know, fundraising. Yeah.
[00:05:52] Robert Niichel: It's, it's been fine. It's been good. You know, you are looking at a different platform. It does give us exposure to many types of people. It does get our name out there. It really has generated, continue to generate a lot of buzz around our technology, what we're doing, you know, it helps us on that path.
Yeah, kind of one step at a time to get listed on one of the exchanges. So it has been, it has been good and it will continue to, I believe the funding round goes through perhaps March or April. So we'll continue to push forward on that get that wrapped up, get it closed, and then continue on the path to get listed on most likely the London stock exchange.
[00:06:33] Kelly Stanton: Nice. That's exciting. Where do you see SmartTab or this tech being in the next five, 10 years?
[00:06:41] Robert Niichel: Yeah. So, you know, the vision is in three years or less, we will have our first product on the market. So that means we'll move through FDA approvals. They'll have a specific drug that will be approved as well.
So a physician could prescribe this who would then go to the pharmacy. You would go into the pharmacy, pick up your bottle of spark tabs. Take it home. And then you take them as this prescription has laid out. So you're not talking about a long time here, like 5, 10, 15 years. This is a shorter term. This is real, you know, we've spent the last four or five years developing the technology working out.
But it it's ready to go. We've completed one successful preclinical animal trial. Last year, there was an, a pig model with our target tab. We're getting ready to go into a new trial this spring. Most likely insulin with the inject tab. And then from there, we file with the FDA we're working with the FDA now.
There are some pre-submission meetings that we're working through. So as we file later, next year, we know the roadmap to getting approval. So this is not. Like an idea or something like, perhaps it was five years ago, this is a real deal. It's been reduced to practice. We, we have filed several patents around it.
I believe we have three or four issued patents to date. So the next two or three years we'll be finishing up the approvals and getting the product to market. So to answer your question in five years, you should be able to go to the pharmacy and they have maybe five, six different drugs that are approved with our technology.
Hope. Hopefully.
[00:08:21] Kelly Stanton: That's really exciting. Wow. Especially the insulin piece too. That's that's a game changer. There's a whole group of people that would like to stop injecting themselves. I'm sure.
[00:08:32] Robert Niichel: Yeah. It's a significant, I mean, you look at some of these drugs where you have to self-inject daily. So for insulin, a lot of people have to get a Bazell amount in the morning.
So if you could take a pill to obtain that in the morning and these poor people with Crohn's, I mean, there are a lot of young people that are being diagnosed with Crohn's. 20 years ago, they would prescribe maybe some steroids or this and that. And if it didn't work, they would go right to some type of a biologic.
If it didn't, you know, the other things didn't work. So first today you go right to a biologic it's like, guess what? You're going to have to self-inject once a week for the rest of your life. That's daunting. I mean, that's a, that's a big thing to look at spot, but if you could take a capsule once a week um, the other thing I'd like to touch on is you mentioned this with, you know, the toxicity levels or whatever.
There's does have applications longer term for something like infusions that you take an infusion typically go into the hospital clinic once a month. Well, the reason they do it once a month and they give you this huge bolus of the drug. You're not going to get people to go into the hospital once a day and get an infusion.
So they spread it out. As far as they can. You get your infusion the first three, four days you feel sick, then you feel okay for a couple of weeks. And then the last week, whereas. Then you get to go back in and get stabbed. So you sit there for another 30, 60 minutes with the infusion, but if you had a device like ours to, we could titrate in the amounts, maybe take a capsule every day or two or three days.
That would be huge in the progress of. You know, getting rid of infusions, you would still deliver the same amount over the course of a month. It would just be spread out so many applications and you know, many drugs that this could certainly improve people's lives.
[00:10:17] Kelly Stanton: Wow. Wow. Yeah. Changing delivery. Oh man.
That's, that's always one of the biggest challenges in, in, in the drug development, any, any time. And like we talked about before, right. But you know what your bioavailability looks like and how does that adjust? And so also I think a huge opportunity with targeted delivery to reduce overall amount. You'd have to take in the long-term too, right.
Because you're not having to digest it before you can uptake or filter half of it through your kidneys before. Right.
[00:10:49] Robert Niichel: Yeah, exactly. And many of the, many of the new drugs today are biologics. You know, they do have to be deployed with a syringe in a needle 30 years ago, small molecules, you know, they were kind of paving the way and then you got to generics and a lot of the generics were small molecules, but today they're bigger.
Molecules are big. Drugs are big markets, they work great. That's just a little painful and problematic to deploy them to the patient.
[00:11:17] Kelly Stanton: Yeah, definitely. And it, and it often has to be injected directly into, you know, the locations. Wow. That's that is so exciting. One of the things we also love to hear about with founders and entrepreneurs is how you balance product development and quality in your, in your startup.
So how do you approach product velocity and quality? Those are very often viewed as opposing forces. What's your take on that?
[00:11:44] Robert Niichel: Fortunately, we're in the. Kind of the grand plan of the FDA. So when we really look at what we're developing, it's really a two prong path, if you will. So on one side, we're developing the products.
Certainly keep it in mind, know the design controls, quality, all the things that we need to have to put together to file with the FDA. So that's one path, a lot of products. That's your, your path, you just developed the product. You have internal quality control systems and you go to market here. Not only do we have to build a product and have all those controls in place, but we have to file with the FDA.
The FDA is like building a product itself. It's, it's a heavy lift. It's a big task. There is a pretty good line of sight. Don't what a company needs to do with that. So we have these two paths. So as we pursue product development, The quality controls have to be in check because those need to be submitted with the FDA.
So then we're working through the pre sub meetings and then as we complete more trials, we'll have our filings, we'll have the FDA approvals and then everything we do has to match what we need to file with the FDA. Audits. Everything needs to be under a GMP environment, which is, is another part to that.
So it's almost like the quality, the quality controls are built in that this is what we have to do, and we just seek to get those in place early. And then as we expand you just budget for those activities, I mean, it does add to the cost. But it's necessary if we're bringing a product like this to market.
[00:13:22] Kelly Stanton: Absolutely. It's a, it's definitely an it in my experience costs you less if you do it upfront than if you try to shoehorn it into the place later. So that's good
[00:13:34] Robert Niichel: to hear. Good to hear.
[00:13:37] Kelly Stanton: If you could go back and tell yourself something at the start of SmartTab, what would you say?
[00:13:44] Robert Niichel: Well, that's a really good question.
So going back to the start I think maybe, you know, just have a good line of sight with the one thing that I've learned in, you know, the innovation in this space, you know, it's exciting. You're getting some early chatter in the space, but just be aware that. We have to get this pretty far along before pharma companies, larger pharma companies are going to want to perhaps be strategic partners.
Now we do have some strategic partners, some in the U S some not, but I've been a little. Not surprised, but it's been interesting that, you know, pharmaceutical companies are very conservative. They want to see things get to a certain point before. They're interesting. And that, that depends from company to company, but.
That would be one thing. Just be ready to make sure that you have things far enough along you sometimes you hear like, oh, this company came up with an idea. They got some patents, they got bought by a big company. You really have to get down the path that, yes, this is a viable product. We have clinical studies, just, we have FDA approval.
We're ready to commercialize. Maybe we even have a pilot facility that'd be ready for that. And you know that then companies are very excited. Pharmaceutical companies will pay up in terms of a purchase price. If that's the path the company wants to go later. So they're very willing, you know, they have a lot of capital right now to let things get further along and then come in and purchase a company.
So maybe that's just something that. You know, these are not, you know, overnight projects or, you know, get it to market quick. These are, these are big targets. Now having said all that I would say the people in our team though, that this is, you know, this is truly a mission we've had prior successes and we've done some really cool things in the past.
So then it is so much about, you know, cover the idea or some patents and then getting sold or bought quick. This is a mission to get it tomorrow. To make sure this is successful, do something that really changes patient's outcome for the better. And we're willing to put the time in to, to do that.
So from that perspective, it's very exciting that we can work on something that will, will have a huge impact on virtually billions and billions of people. Once this is in the market.
[00:16:05] Kelly Stanton: That is exciting. That is exciting. And of course, you know, being a, being a quality professional, I always love to hear that qualities in that.
I do think it makes you more attractive for those partnerships in the long run, too, because if you're developing things and applying. Some GMP principles to how you do your development, how you document your efforts. They, they, I feel like they just take you more seriously as opposed to, you know, Hey, we just have this idea and here's our patent in this.
Great. So that's exciting. That's exciting. Is there anything else that you that you want to share with our audience or chat about?
[00:16:40] Robert Niichel: We can just, you know, to comment that, you know, again, we are pretty far along. We had a call this morning with a company talking about the, what is a pilot scale look like?
Like how do we, we already have a GMP facility. We already have some of these capsule filling machines. So, you know, Thing to build the capsule, et cetera on the bench. But to actually now we're looking at pilot production, how do you build out 50,000 of these capsules? So we already have some of that equipment.
We already have the GMP facility. So my point is that we're pretty far down the path. You will see this. Three to five years. And you know, we're very excited about that. You know, five, six years ago, it was kind of an idea, not really many companies working on this, but now there are some companies out there that, you know, there are working on things, not as advanced as we are, but you know, you're getting some early chatter to you know, five, 10 years.
You will see this widely deployed. In the market in pharmacies, but you know, the point is that we're pretty far along and we will be doing more clinical studies, FDA submissions. And so then you're, you know, you're talking 2, 3, 3 years. You'll see our first products in the market. And then you can say, I remember that guy talked to him on a cold snowy day and Franktown Colorado.
My internet won't work, but here they are
[00:18:01] Kelly Stanton: here. It is. It's exciting. That is awesome. And it's, I love, I love what I do. This is why, because we, and quality in general, you know, we really, we believe in, in these innovation and, and just changing people's lives. And it's really exciting. I also love that you're right in my backyard.
That's so awesome. Well, I guess to wrap it up where can people find you in the company if they want to follow along or get
[00:18:28] Robert Niichel: into. Yeah. So our webpage is SmartTab.co CEO, not, not com. So SmartTab dot C O that's our webpage, you know, I'm on LinkedIn Robert dot initial I'm on LinkedIn and Sasha, our main marketing person.
He can probably send you. More contacts. And then, you know, a lot of good publicity. I mean, like I said, some of our team just attended the Arab health this last week, we're going to, there's a Vive conference in March in Miami, Florida. There's a south by Southwest conference in Austin, late March.
We'll be attending. I'm actually going to be a speaker there, one out of 45 companies that were chosen across the globe to present. So we're out there and I think if you, oh, here's another cool thing. We have one of the TV stations coming in next Tuesday to film a documentary for one of the local TV stations here in Denver.
So we'll be able to probably add that to our list of Assets as well. So a lot of exciting things going on right now, and we're happy to be part of Denver. You know, Denver is starting to really get built out as a hub. You know, you see health is making great gains in this space. A lot of cool technology companies are starting to come out of Denver.
So we're really looking to expand, you know, get our pilot stuff, wrapped up, build a larger manufacturing facility and, and keep our home right here in Denver caller.
[00:19:56] Kelly Stanton: Nice. That's exciting. Awesome. All right. Well, thanks so much for your time today, Bob. I really appreciate it. What an exciting technology.
We'll definitely be keeping an eye
[00:20:06] Robert Niichel: on that one.
[00:20:07] Kelly Stanton: All right. Well, thanks a bunch, Bob has been a real pleasure.
[00:20:10] Robert Niichel: Thank you, Kelly.


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Splash Your Way Into Summer On This Massive Slip 'N Slide In Michigan
If you grew up in the Great Lakes State, you likely spent childhood summers playing outside with neighborhood pals and finding creative ways to beat the heat. For Michigan kids of eras past, beach days and ice cream trucks had their perks – but nothing was more exciting on a hot summer day than zooming down a perfectly sudsy slip 'n slide. If you're ready to relive your childhood thrills, there's one event in Michigan that simply can't be missed.
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We've all heard a wild tale or two of a boating mishap, but we weren't prepared for how unbelievable some of these True Stories were when we gathered them from our audience. This tale begins on the Murray River in Bundalong, Australia, where a crew of nine all loaded into their new boat late one night, charted for a nearby tavern for some more drinks. Six of the nine boarded the vessel directly into the bow, and remained there to avoid getting their dirty shoes in the boat. Once underway, water started pouring in over the bow. In a desperate attempt to induce bow rise, the driver accelerated abruptly, burying the nose of the boat even further under the water. As the boat sank, everyone abandoned ship except for the driver, who put on some music, cranked up the volume, and went down in style — honoring the saying that "a true captain goes down with his ship." Meanwhile the remaining passengers were left to swim against the current, and four of them ended up more than 100 meters downriver. To add to the chaos, a good Samaritan blasted out of the darkness on a PWC to offer help, unaware of the remaining passengers still in the water. In a stroke of pure luck, the boat was recovered and no one was injured in the debacle.
As much of a comedy of errors as it was, things could have been much, much worse. Now that we've all had a laugh, let's learn from this crew's mistakes — because in the future, we may not be so lucky. Let's identify some of the factors that put them at risk: It was pitch dark, some of the occupants were under the influence of alcohol, and the boat was improperly weighted. It goes without saying, but if they had avoided these risk factors by staying off the lake after dark; not mixing boating and alcohol — because boating under the influence is just as deadly as drinking and driving; and either redistributing the passengers initially, or just relocating them rather than hitting the throttle, this whole fiasco could have been avoided. Moral of the story? Don't wear your shoes in the boat. It's a wild world out there, folks. Have fun and stay safe!


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Valerie Loureda signs new, long-term deal with Bellator MMA
Rising star Valerie Loureda has signed a new multi-year, multi-fight contract extension with Bellator following her second-round TKO win over Tara Graff.
"I am pleased to have re-signed with Bellator," Loureda said in an official press release. "As I have always said, I am here to show the world the true martial artist that I am and chase the flyweight belt. I was born for this, I am a natural born fighter."
The 22-year-old accompanied the announcement with a signature dance video on Instagram.
View this post on Instagram
just signed an exclusive multi-year, multi-fight extension with @bellatormma not going anywhere 🤑🤑🤑
"Just signed an exclusive multi-year, multi-fight extension with @bellatormma not going anywhere," she wrote in the caption for her post.
The young star has made waves since arriving on the scene and took her record to 3-0 with her latest win. The savage knockout and celebratory dance that followed it garnered more than 11 million views on Bellator's social media platforms.
Her dancing has become an ongoing topic among some of her rivals with her last opponent suggesting that her posts were "demoralizing the sport."
That seemed to give Loureda added motivation to get the finish.
"When I heard that, it was over for me," she told MMA Fighting. "I'm crazy and I was gonna go in there to kill her. I wasn't gonna just hit her soft, it was to kill her."
Her style both in and out of the cage is bound to garner plenty of attention moving forward, and her manager commented that she's 'The Cardi B of MMA.'
With slick moves in and out of the cage as well as being a former member of the US Olympic team for Taekwondo, the black belt has had a stellar start to her MMA career and is certainly one to watch.
just an "ig" model pic.twitter.com/rShqfAArkc
— Valerie Loureda (@valerielouredaa) August 8, 2020
What do you think the future holds for Valerie Loureda?
This article appeared first on BJPENN.COM
Topics:Bellator Valerie Loureda


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English Way: The Camino from Ferrol to Santiago
The English Route of the Way of Saint James or Camino Inglés was the most popular with seafaring pilgrims from the north of Europe, who over the ages sailed to the northern coast of Galicia from Scandinavia, Flanders, England, Scotland and Ireland and made their way to destinations such as Ribadeo, Viveiro, or to Ferrol and Corunna and it is these last two coastal enclaves that constitute the starting points of the two possible itineraries that make up the Way's English Route. The 70-mile journey from Ferrol (118 km) is the minimum distance required to apply for your "Compostela" certificate.- ITINERARY -1st day: ARRIVAL IN FERROL2nd day: FERROL-PONTEDEUME (31 km -7 h – difficulty 2/3)3rd day: PONTEDEUME-BETANZOS (21 km – 4h1– difficulty 1/3)4th day: BETANZOS-HOSPITAL DE BRUMAS(24 km – 6h– difficulty 3/3)5th day: HOSPITAL DE BRUMAS-MARANTES (SIGÜEIRO) (26 km – 5h15– difficulty 1/3)6th day: MARANTES (SIGÜEIRO)-SANTIAGO (12 km – 4h– difficulty 1/3)7th day: SANTIAGO DE COMPOSTELA The Price Includes:- 6 nights in handpicked hotels and inns, all with en-suite accommodation, on a bed and breakfast basis.- Luggage transfer from hotel to hotel (1 x max. 20kg bag per person)- Travel insurance- Credencial (Pilgrim's passport)- Tips and maps- 24/7 telephone assistance (English-speaking)DAILY DEPARTURES FROM END OF MARCH TO FIRST DAYS OF NOVEMBER


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Trump announces new executive order on trade with Hong Kong
President Trump announced Tuesday that he had signed legislation sanctioning China for suppressing freedoms in Hong Kong, as well as an executive order ending U.S. preferential treatment for Hong Kong.
Mr. Trump said "we just lost a competitor" that "we incentivized to do a lot of business," referring to Hong Kong. He said that Hong Kong would now be "treated the same as mainland China."
"No administration has been tougher on China than this administration," Mr. Trump said. He also slammed former Vice President Joe Biden, the presumptive Democratic nominee for president, saying Biden's "entire career has been a gift to the Chinese Communist Party."
Earlier Tuesday, Mr. Trump told CBS News' Catherine Herridge that he is "not interested" in talking to China.
"I've always had a tough stance," Mr. Trump said. "Look, we made a great trade deal — was done, the ink wasn't even dry, and they hit us with the plague. So right now, I'm not interested in talking to China about another deal. I'm interested in doing other things with China."
Mr. Trump said during his announcement Tuesday that "we hold China fully responsible for concealing the virus and unleashing it upon the world." He also reiterated that he has "no plan" to speak to Chinese President Xi Jinping in the near future.
The press conference comes as coronavirus continues to spread in the U.S., with nearly 3.4 million confirmed cases, according to Johns Hopkins University. It's the highest number of cases of any country in the world.
Dr. Lilian Abbo, an infectious diseases specialist from the University of Miami Health System, called Miami the new "epicenter of the pandemic" during a news conference with Mayor Carlos Gimenez on Monday. "Where Wuhan was months ago, that's where we are, and we really need your help," Abbo said.
Statewide, Florida set a new record for deaths, with 132 deaths reported on Tuesday, a 10% jump over the previous state record set on July 9. There were 9,270 new cases reported on Tuesday, a dip from the record high of over 15,000 on Sunday.
Florida Governor Ron DeSantis has remained one of Mr. Trump's staunchest allies, and Mr. Trump is so far still set to accept the Republican nomination in Jacksonville in August.
A CBS News Battleground Tracker poll released Sunday showed the coronavirus pandemic has shaped Mr. Trump's falling support in Florida and other swing states. The poll shows Joe Biden is now leading Mr. Trump by 6 points in Florida, and the two are tied in Arizona and competitive in Texas, where Biden is down by just 1 point to Mr. Trump. Biden has made gains in part because most say their state's efforts to contain the virus are going badly — and the more concerned voters are about risks from the outbreak, the more likely they are to support Biden, according to the CBS News Battleground Tracker.
for more features.


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Cocktail Glass Vector Design
Cocktail glass vector design is the perfect summertime design. The vector shows a glass with a cocktail inside. It is for all cocktail lovers. It is an ideal drink for the summer. Get your vector to help you remember to have your cocktail in the scorching heat of summer. It is for all cocktail lovers. Enjoy your dinners with cute hankies with cocktail glass vector designs. You can invite friends over to your place to enjoy the cocktail party with this cocktail glass vector Art and be creative. The fine quality of the design offers a fantastic look to the garment cards and every in between. Get some more amazing Vector Art on our website.
- Stained Vector Design
- Cocktail Glass Vector Art
- Wine Glass Vector Art


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Somewhere with the changing era, one thing has not yet changed that quite is the illuminating rooms. From those kitchens tables to libraries or your cozy bedroom, light can actually do wonders and radiate the floor. Today when the world is turning into the minimalism where the new tag line has yet emerged "less is more." Homes are now designed with economically justifying the statement for the minimalist in the context of lights.
Hopping the idea of re-designing the home, the human wants to keep it cozy and radiating at the same time. To solve such problems, floor lamps perfectly fit the mystery puzzle.
The scenic beauty stands right on the place putting fixture statements can bring light to your favorite place.
From being the general light to the artwork corner light, is what a floor light can serve simultaneously. A perfect height that keeps on standing near your bed or to your sofa can help you to read, think ambitiously and can even bring the architectural highlight.
Aesthetic economical living is total high cost as the world of today as the increment of pricing is raising high. But when it comes to styling the interior lightening we don't think about bucks burning in our pockets but rather spend a lot of money which can be useless shortly.
So don't worry, we are here to help you with the struggle that you might be going on as we bring you the floor lamps that would not only light your room but even your soul too.
As we help you, listing down the 3 best floor lamps in Amazon, from burning your pocket.
Brightech – Madison LED Floor Lamp
When it comes to a lamp with charging capacity which built-in with side table pretty much a contemporary taste to the side of your bed in your bedroom. A lamp with an attached side table comes up with two USB ports along with an outlet so that you can charge your mobile devices or plug in your computer. As Brightech – Madison LED floor lamp concludes with advanced features like:
- Storage capacity that can be used to keep from vases to books
- Enable the turn on/off by Alexa, Google Home Assistant, or Apple HomeKit
- Includes 9. 5W LED bulb
- 3 years of warranty
The 12 inches in diameter come in the shade of white, black & white pattern, or rustic Havana brown color.
- Quick to assemble and side table
- Good quality comes at a reasonable price.
- With an outstanding design that perfectly fabricated the place
- The light can be dim that might create a problem while reading.
- It might be quite disappointing when it comes to paying the additional cost for assembly.
Aaron Mid Century Modern Floor Lamp
If you love collecting and decor your home that inspired from vintage, then Aaron Mid Century Modern Floor Lamp is your ideal taste. A 64″ contemporary lamp with three adjustable brass-finished headlights sleeks with the classic vintage look that probably completes your modern millennial life. There is also a control of each light on/off rotary switch on each socket. With the slender position, the base is 10″ wide at the bottom gives a gripped and each shade is 6″ high x 5 3/4″ wide with weighs of 10 lbs. The lamp comes with 360 lightings.
- An attractive contemporary lamp
- A budget-friendly
- A simple functional design
- The light leans too much
- Sometimes the product can come with damage
Adesso 6237-02 Oslo Floor Lamp
When it comes to sleek with simplicity, the Adesso 6237-02 Oslo Floor Lamp adds a contemporary style to your room. A body design like a tulip that perfectly fits the Scandinavian style strikes an extreme simplicity. The modern hardback drum is made with Japanese paper putting a sleek accent that interprets a Scandinavian design.
As the lamp doesn't come with the bulb so you can put 100W incandescent or 26W CFL bulb, but it does provide an on/off rotary socket switch. With UL listed for safety, this 5′ cord allows versatile placement needs no assembly which saves our time.
- Simply gorgeous that would probably bring you compliments.
- A minimalistic lamp with excellent quality.
- Perfect shades
- Though to light the room, only one is not enough.


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How To Style Pullover Sweater For Summer Looks
Wearing a pullover sweater is not something wrong for 2014 summer trends outfit. Although it's kinda strange for hot weather on summer day, but if we live in tropical countries it would be something necessary. To protect skin by the sun storm, we need to cover out body with long clothes.
Is it okay to wear pullover for summer?
And maybe some of you it will be a problem because we can't be fashionable when summer comes. The answer is "Don't worry about that", we can still get fashionable look with outfit paired with pullover sweater. There is a bunch pullover mode to add our outfit look better.
Maybe get fashionable with sweater already trends by along year ago, and we just need to developing the style.
How to style pullover on summer?
Some fashion bloggers we got by pinterest already shared some look which they wore pullover sweater to summer fashion. As we can see at the following photos below you will get the look how to paired sweater with other outfits. For example, sweater with lace short and just wearing boots. That would be great!
Another snapshot, we will get maxi skirt paired with pullover sweater which make your summer day look brighter and looking fresh. And the simple ones, we only need to pair the sweater any color with short, it good with jeans or just short. Depending on the sweater color we choose, don't be wrong to pick the right one for the color of bottom your outfit.
And how about the accessories? Choose the simple ones, also for the shoes or just sandals.[su_slider source="media: 1737,1749,1748,1747,1746,1745,1744,1743,1742,1740,1739,1738″ limit="11″ link="attachment" width="500″ height="800″]


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LaSirena69's Biography
They say the most beautiful women are from Venezuela and "LaSirena69" is living proof of that statement. Be careful when lookin at that gorgeous face, you'll get lost in those almond eyes. La Sirena is a mesmerizing mermaid ready to fuck you to the ocean's depth. Cunning and smart, she will blow your mind with her sharp intellect and general culture. And we haven't talk about her thicc body yet! Those insanely sexy curves will give you vertigo. She has perfect fake tits that you just wish your face could get lost in for days. With Italian roots and originally from Caracas, Venezuela, LaSirena69 moved to Miami to escape the crisis gripping her country. From there, she took intensive English courses and found work as a radio host. She was always very comfortable with her sexuality, so starting her own radio show about sex felt totally natural. She got approached by PlayBoy. but at the time turned them down. Her name "LaSirena69" comes from when she was a teen, she dyed her hair red and everyone started calling her "la sirenita" (the little mermaid). Regarding 69, well, it's her favorite position and her birthday is also June 9. Talking about about 69, LaSirena69 sees foreplay as a life philosophy. You'll need to go down on her first if you wanna get to her heart. That girl is extremely sexual. For LaSirena69, sex is like a dialogue and god, she loves to talk. And the deeper the discussions, the better. She recently moved from Miami to LA to pursue a career in showbiz. She started her own vlog about sex and got a new twitter account where she frequently posts erotic shows for her followers. She was featured as the Penthouse Cyber Cutie of January 2019. Outside sex, you'll see LaSirena69 modeling for artists in LA or shooting music videos. She loves getting involved in the art scene and you'll find her surrounded by the coolest kids in town. "LaSiren69" is a rising star, so grab your VR headset and be the first one to experiment that gorgeous Latina in 180 degree stereoscopic VR.
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In News
A panel on Fintech set up by the Ministry of Finance has submitted its final report with many recommendations recently.
- The Fintech panel headed by DEA Secretary was constituted by the Ministry of Finance after the announcement for the same was made in the budget speech of 2018-19 by the then Minister Arun Jaitley.
- In its final report, the committee has outlined the fintech landscape in the world and in India, studies various issues related to the development of the sector and made recommendations on how fintech can be leveraged toe and generating enhanced entrepreneurship.
The Recommendations
- The panel has recommended a comprehensive legal framework for consumer protection keeping in mind the rise of fintech and other digital services.
- It identified areas in governance and financial services where fintech services can be used and suggested to upgrade the regulatory provisions to enable fintech innovation.
- It recommended that RBI may consider the development of cash-flow based financing for MSMEs.
- Development of an open-API MSME stack based on TReDS validated by GSTN is suggested.
- Also, the panel recommended allowing insurance companies and lending agencies to use drones and remote sensing technology for damage and location assessments to support risk reduction in insurance/lending business, crop area assessment etc.
- With the rapid pace at which the fintech sector is expanding, the committee recommended that to reduce fraud and security risks, the Department of Financial Services (DFS) should work with PSU banks to bring in more efficiency to their work.
- It also noted that ample opportunities are available with Artificial Intelligence, machine learning, and cognitive analysis in the back-end processes of fintech players.
- The panel recommended for modernisation and standardisation of land records across the states through National Land Records Mission based on a common National Land Records Standard. Also, all such data on land ownership is made available online for financial institutions to verify.
- It recommended for the adoption of Regulation Technology (RegTech) by all financial sector regulators to develop standards. This will facilitate the financial sector service providers with easy, quick and effective regulatory compliance.
- It also wants the financial sector regulators to develop an institutional framework for the specific use-case of supervisory technology testing, deployment, monitoring and evaluation.
Fintech sector has seen a major upswing in investments. Many start-ups have embraced the sector and are changing the financial landscape of the country. But, the pace at which the sector is expanding needs proper regulatory mechanisms to check frauds and risks.
The committee has done its part in recommending what is good for both the sector and the consumers. It is up to the government to adopt these recommendations.
The government is looking to set-up an Inter-Ministerial Steering Committee will be set up on fintech applications in Department of Economic Affairs (DEA), Ministry of Finance which will take at implementing the recommendations of the report.
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Would you like to impress your loved ones by showing off your arts and crafts skills? Perhaps you just desire a new experience by creating a new object and turning it into a conversation piece in your house. There is a variety of options available for arts and crafts projects. Read on for some great tips.
Many crafting projects create messes, so cover your surfaces with newspapers. Once the project is complete, remove the newspaper.
Do you need craft supplies? There are a lot of online places to find your craft items at a big savings. Look online to locate the best deals out there on crafting supplies. Additionally, try shopping at stores that offer free shipping for added savings.
There are quite a few things you can use for crafting. You can put paper goods to use in your projects. You can use empty toilet paper rolls or paper towel rolls. Even old newspapers or pictures from magazines are easy to get creative with. Instead of throwing things away, get creative by thinking of ways to use them in your arts and crafts projects.
Remember that when kids do crafts, it will be messy. If that that is stressful to you, cover your surfaces with some butcher paper or newsprint to catch bits of glitter, paper, and glue drops. Washable markers are another option.
Look to Beadaholique to find lots of cool bead accessories for your jewelry projects. You can find all sorts of items for this type of project. A lot of the fashions you see today started as costume jewelry. When you create your own, you'll save money and have great pieces to wear.
You can use a variety of materials for crafts. Paper items that are usually disposable work great. Toilet paper rolls come to mind. You might also use magazines and newspapers. Try to think of ways you can incorporate items you would generally discard into your projects.
Concentrate on one project at a time. Sometimes you want to try out a million different things. But, that leads to a room fun of unfinished items. Finish a project before you even think about starting another. Doing so will increase your chances of actually finishing each one.
Let your imagination soar when doing craft projects with children. Try not to show concrete examples of the finished product so their imaginations can run wild. Maybe your child glues an eye where the ear should be! The more they are allowed to experiment, the better.
Seek new ideas out on the web. The Internet has several websites that you can get ideas from. No matter what age kids or adults will be doing the project, you are sure to find something that everyone can do online.
If you are doing crafts with children, prepare for a mess. Cover the work surfaces with newspaper for easy cleanup. Sometimes, the mess can be diverted however, such as when washable materials are used.
You can create many things in the world of crafts. Whether it's something simple or extravagant, there is much to learn. Follow these tips to make a lot of different objects of art.


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19th October 2021
A sports student with cerebral palsy and a passion for bodybuilding has won medals at a prestigious competition.
Lee Farrell took part in the UFE European Championships in central London. He competed in both the 'Men's beachwear fitness model' and the 'Men's physique' events.
Lee has been training for over three years now and has a clear goal.
I want to become a leader of a gym and fitness centre for people with disabilities and complex needs. I want to be the best coach out there!
Lee has already become the founder of LJF Fitness and Gym: www.instagram.com/ljf_fittness.
His training has certainly paid off. Despite fierce competition, at the championships he achieved an impressive fifth place in the beachwear event and an even more impressive second place in the men's physique competition.
His tutors and friends were delighted to hear his winning news.
Lee has been doing a fantastic job in his studies at College and clearly has the talent outside of College too. We are all really proud of what he is achieving. He's an inspiration to all of us and acts as a reminder that the mind is your most powerful asset you have. Well done, Lee.


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Wherever we go, we are under the watchful eyes of the law. We cannot afford to overlook the fact ever. Those who try to overlook the law and take a chance are the ones who either suffer behind the bars or get killed by bullets, in extreme cases.
Even when youre working, you are under some jurisdiction that undermines you and your work. Similarly, there are jobs that involve the law and the field is better known as judiciary and the people lawyers, attorneys and judges.
Due to the increasing involvement of law in everything, there are more opportunities in the field than ever before. Now being a lawyer doesnt mean just a criminal lawyer.
Some of the spheres where law can get interesting are:
Corporate Law: This is perhaps the largest employer of the best brains in law. Corporate houses every time need to go through a screening by law. They cant do anything illegal; they are at all times covered and governed by laws. Quite understandably, lawyers have a lot of work to do here.
Criminal Law: This is the oldest reason why a law-setup was done. This setup is to prevent any crime from happening. Fortunately for lawyers, crimes do happen and they are employed. If there were no crimes at all, the lawyers would be sitting at home, jobless!
Juvenile Law: The modern times have not even spared children from the horrors of committing a crime. Thus came juvenile law where you need to treat cases pertaining to children and adolescents who are under the age of 18 years (age limit varies from state to state).
Civil Law: Everything that is divorce or has a dispute in property is governed by various laws which can be under a single heading titled as civil law. Arguably, civil cases are the most twisted and complex cases of all. For example, there can be multiple claimants for a piece of land or property and it is the courts duty to find the rightful owner of the same.
International Laws: Did you know that there are separate laws for each country and laws which are specific to a country are not valid in other countries? An offense in a country need not be seen as the same in another country! Therefore a need was felt for developing international laws. Such laws pan across the world and are the same for each country. Due to the interesting nature of the job, there are more takers for the same.
Jobs in law are also amongst the highest paid in the country. Lawyer jobs are the one of the most esteemed employment areas of all fields. Law employment is not a dream anymore.


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Liwa Sellaj Dates 180G
Review: 5 - "A masterpiece of literature" by John Doe, written on May 4, 2006
I really enjoyed this book. It captures the essential challenge people face as they try make sense of their lives and grow to adulthood.
Liwa Sellaj Dates 180G
Available: In Stock
Dhs. 11.00
Liwa Sellaj Dates 180G>


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The classification approach to an estimation of the factors defining competitiveness of enterprises baker's industry
In the article are considered factors to define on competitiveness of the enterprises baker's industry. Authoress is supplemented classification of "hard" and "soft" factors. The allocated factors are influenced on methodical approach to an estimation competitiveness of enterprise baker's industry.


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Announcing the deal on Wednesday, MEPs and European Commission President José Manuel Barroso said they were not satisfied with the final agreement between the Parliament and the Council. But Hans-Gert Pöttering, leader of the Parliament's biggest group, the centre-right EPP-ED, said: "We know we couldn't have achieved more." This view was shared by other group leaders.
The deal brings the EU budget for 2007-13 to €866.4bn – from €862.4bn agreed by EU government leaders in December 2005. This included €2.1bn more for programmes aimed at boosting competitiveness and innovation. It breaks down as an extra €500 million for trans-European networks, €800m more for lifelong learning and an extra €300m for research and development.
German centre-right MEP Reimer Böge said the additional money would enable 40,000 more students to take part in the Erasmus exchange programme.
A range of programmes on health and consumer protection, youth and culture also received a boost of €500m while the parties agreed an extra €1bn for the EU's neighbourhood and partnership instrument (up €200m) and €800m more for foreign policy missions.
But under the deal €2bn allocated in the December agreement was moved off the budget as funding for the emergency aid reserve (€1.5bn) and for EU officials' pensions (€500m).
The presidency and the Parliament also agreed to increase European Investment Bank funds by €2.5bn to provide loans for research and development and small- and medium-sized enterprises.
MEPs had to make a number of concessions in other areas as part of the agreement. They failed in their attempt to convince the Council to increase the annual flexibility instrument to cope with unforeseen foreign policy emergencies beyond the current level of €200m a year. Unspent funds from this instrument will be rolled over for two years.
They also failed to win influence over the review of all aspects of the EU budget – both spending and resources – to take place in 2008-09.
EU governments also rejected a request from the Parliament to provide formal declarations that they were properly monitoring how EU funds were spent, promising instead to work towards getting the Court of Auditors to approve the Union's annual accounts for the first time.
National governments are expected to approve the agreement with the Parliament in the next few weeks while MEPs should endorse the package at the May plenary session in Strasbourg.


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Editor's note: A ThinkProgress investigation found that the @Crystal1Johnson account was a fake account linked to Russian trolls. The account has since been deleted. In failing to trace back the original source of the tweet, to reach out for comment, and to document the tweet's viral trajectory, we fell short of our editorial standards. Given the story's historical and educational value, we've decided to leave the post in its original form, and we encourage you to read the ThinkProgress report.
What can black people do these days without being accused of a crime?
Apparently you can remove "go to work" from the list.
On Monday a Facebook post of a black man being given a ticket went viral. From what can be told by the picture and the post, the man works for Comcast and was working on a house when a bystander reported him to the cops. (By the time his post got to Twitter, his name had been redacted.)
The police allegedly showed up, guns drawn, and told the man to put his hands up because he was accused of walking around the property, looking through windows, trying to open doors, and searching for a way to steal from the home.
The man wore a red Comcast shirt, was near his white Comcast truck, and was searching for some wiring to do his job.
Apparently someone saw the man in an area where they did not think he should be, got scared, and reported him. You'd think the Comcast truck and shirt would have done the trick.


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Press Release
General availability of new cutting-edge self-serve wizards will drive operational effectiveness, regulatory compliance and pricing changes with speed and agility
Morristown, NJ – March 16th, 2021 – Majesco, a global leader of next-generation cloud insurance platform software for insurance business transformation, today announced the release of the new, innovative Bureau circular and rate Adoption capability for the market-leading Majesco Policy for P&C.
"Majesco has been delivering monthly bureau circular updates containing rates, rules and forms – fully integrated with Majesco Policy from many decades to provide regulatory compliance to our commercial lines customers. We relentlessly explore ways to improve ease of use and speed to implement for impactful product capabilities," said Manish Shah, President and Chief Product Officer at Majesco. "With the general availability of the Bureau Circular and Rate Adoption self-serve wizards for Majesco Policy for P&C, our commercial lines and workers compensation customers can now continue to meet the demands and expectations of regulatory changes easily and quickly in a more consistent, quality and autonomous way."
This release highlights Majesco's continued strategic investment in Majesco Policy for P&C. To keep pace with ISO, NCCI and other bureau content, it's absolutely essential for commercial lines and workers compensation insurers to stay current with the latest loss costs, rules and forms as well as remain compliant with continuous regulatory changes. While support for bureau circulars has always been a key strength and differentiator for Majesco Policy for P&C, the new self-serve Bureau Circular Adoption capability enables simplicity, independence, consistency, and efficiency through a wizard-based adoption process. Furthermore, the new feature provides an auto adoption option to update Majesco Policy for P&C with the circulars with no manual user intervention.
This feature also comes with a comprehensive dashboard that not only provides the business users the tools to manage bureau circular adoption along with rate updates, but also provides a catalog of new bureau circulars available for adoption for multiple lines of business. Business users can generate monthly and yearly reports listing bureau circular adoption audit history to help their compliance needs.
"Insurers continue to seek higher degrees of operational efficiencies and timeliness when managing ISO an NCCI bureau content," stated Karen Furtado, Partner at Strategy Meets Action. "Advancements such as Majesco's Bureau Adoption capabilities support insurers needs of reducing time to access and implement circulars as well as improving the user experience when interacting with the process."
Majesco was named a Leader in the October 2020 Magic Quadrant for P&C Core Insurance Platforms, North America; received an XCelent award for Depth of Service in the Policy Administration Systems: North America Property and Casualty Report; and named the Top "Best-in-Class" Vendor in the P&C Policy Administration Aite Matrix Report.
Gartner Disclaimer
Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner's research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
About Majesco
Majesco provides technology, expertise, and leadership that helps insurers modernize, innovate and connect to build the future of their business – and the future of insurance – at speed and scale. Our platforms connect people and businesses to insurance in ways that are innovative, hyper-relevant, compelling, and personal. Over 190 insurance companies worldwide in P&C, L&A, and Group Benefits are transforming their businesses by modernizing, optimizing, or creating new business models with Majesco. Our market-leading solutions include CloudInsurer® P&C Core Suite (Policy, Billing, Claims); CloudInsurer® L&A and Group Core Suite (Policy, Billing, Claims); L&A Insurance Data & Analytics Platform, Digital1st® Insurance with Digital1st® Engagement, Digital1st® EcoExchange, and Digital1st® Platform – a cloud-native, microservices and open API platform; Distribution Management, P&C Insurance Data & Analytics Platform, including an Enterprise Data Warehouse. For more details on Majesco, please visit www.majesco.com.


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Nullifire S605 Solvent-Based Intumescent Basecoat
Nullifire S605 Solvent-Based Intumescent Basecoat
S605 Intumescent Basecoat is a single pack solvent-based intumescent coating for fire protection of both internal and external structural steelwork. S605 is very pale green in colour.
What the experts have to say
Compatible with
Nullifire primers
S605 provides effective structural fire protection, for steelwork, from 60 minutes up to a 120 minute fire rating. Suitable for universal and hollow sections. For long term durability and external use, a top seal is required.
Can provide up to 120 minute fire protection in some applications
Proven history of successful usage in projects all over the world
Compatible with a full range of Nullifire primers and top seals providing an outstanding finish.
Suitable for on-site and off-site application.
A solvent based, multi-coat formulation
BS 476:Part 2 1987
Building Classification:
Up to C3 & C4 environments with suitable top coat
Specific Gravity:
1.37 ±0.02
Volume Solids:
68% ±2%
333 g/litre
Theoretical Coverage:
730 g/m² based on an applied @ 0.5 mm dry film thickness
Store in secure, dry warehouse conditions between +5°C and +35°C
Shelf Life:
12 - 15 months when stored as recommended in original unopened container
Full Information:
Check out the full datasheet available in the Downloads section!


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Phil Gramm:
Not The Only Quackademic
July 26, 1996
Veteran draft-avoider and quackademic Senator Phil Gramm, and House Speaker Newton Gingrich, are not the only consumer frauds rampant in university faculty lounges today. Although a small minority among today's professional economists is composed of both literate and insightful professionals, virtually everything taught as principles of economics, is an illiterate's hoax.
The legendary, pervasive incompetence of most leading and other campus economists, is emerging, once again, to be a timely topic of public opinion. The presently insurgent contempt for the official economists, should remind us of moods which erupted after August 15, 1971, when a global monetary collapse, which Paul Samuelson, like others, had said could never happen, triggered abandonment of the Bretton Woods gold-reserve agreements. Today, as the storms of an on-rushing international banking collapse darken the skies, we might expect, soon, that all we shall hear from under the crack in the door of the Economics Department, will be a mewling murmur: "No one here but us visiting ditch-diggers."
Those who recall the period of the 1971 monetary crisis, may also recall the face-to-face and literary debates which this writer conducted with some among the most famous U.S. economists, during the closing months of that year. Every trend which this writer then warned was likely to happen, unless policy-decisions of the 1966-1971 period were reversed, has become the ugly truth of today, inside the U.S.A., and world-wide. The mass-murderous policies of Phil Gramm, Newt Gingrich, and Pennsylvania Governor Tom Ridge, today, are the policies against which this writer, in 1971, forewarned the public, in prophetic detail, as the fascist trends implicit in 1966-1971 policies. What experience, since then, teaches, is, chiefly, that what most of today's high-ranking students of economic policy--at the Wall Street Journal, Washington Post, in the Republican Party, and Yuppiedom elsewhere--appear to have learned best from the experience of the past thirty years' economic decline of the U.S.A. and world economies, alike, is how to surpass their parents of the World War II veterans' generation, in transforming the disasters of the past into the catastrophes of the present.
Admittedly, there are important differences between the putative leading economists of 1971 and those of today. Like kitchen con-man Phil Gramm, or Newt Gingrich, most of today's populist economists tend to be low-budget imitations of such higher-priced models of Mont Pelerin clansmen as Friedrich von Hayek and Milton Friedman. Whereas the economists of the 1950s and 1960s blundered in their representation of the processes of production, Gramm and Gingrich typify those popular economists of today's mass media and foundation circuits, who have rejected any serious attempts to understand the productive process itself.
The notable point of difference is, that the thoughts of today's Yuppie economists, dwell, as byte-afflicted hesychasts, in the caves of "cyber-space." Ideologue Malthilde Ludendorff would have been greatly embarrassed to forsee, that the aging Yuppie of today, has rejected modern European civilization's traditional functional standards of physical performance, out of preference for the cultural determinists' coddling consolations of fantasy-life, those of the proverbial, twice-weekly, psycho- therapy circle's Orwellian "group think." It is but a reflection of this point of difference, that, for today's Generation Xer, Hannah Arendt's beloved, the leading Nazi ideologue Martin Heidegger, and other German and French, existentialist co-thinkers of Hitler-prophet Friedrich Nietzsche, are the preferred symbols of most of today's university philosophy departments.
The crucial point to be made here, is that every scrap of innovation in generally accepted classroom teaching of economics, since about 1966, must be recognized for the certifiable lunacy it is. For example: Those twin pillars of psychotic cyber-space, "information theory" and "systems analysis," must be purged, outrightly, from the policy-shaping discussions. Attention must be focussed upon correcting the prevailing errors of an earlier generation, when professional economists were more or less sane, even when in grave, axiomatic error. We must address the hereditary impact upon today's economies, of those blunders which prevailed during an earlier generation's time, when economists still lived in the real world, where physical, rather than merely financial or monetary performance, per-capita, per household, and per square kilometer, were the yardsticks to which professional standards for economic-policy discussion obliged us, ultimately, to return. In that former time, monetary and financial systems were judged by the physical-economic performance they were arguably proposed to have fostered: the exact reverse of the standard employed by today's hegemonic pack of professional lunatics.
Only when we have stated the problem in such, admittedly, rude and insensitive, terms of plain speech, do we escape the prison-yard of "politically correct" babbling, into the fresh, free air, where sane men and women enjoy healthy respect for the realities urgently to be addressed.
The Abba Lerner Debate of 1971
For those who remember, and others, consider the circumstances and outcome of the writer's celebrated Autuman 1971 debate with Professor Abba Lerner, then considered the leading Keynesian economist of the U.S. That turned out to be a bench-mark, a turning-point in the history of the U.S. economics profession. On that account, certain essential features of the debate are of signal importance, for understanding the leading economic policy-issues of the U.S. today.
Following the events of August 16-17, 1971, the author's associates deployed in numerous university campuses of the U.S.A., challenging the economics departments on three key points. First, that virtually all among them, had been proven incompetent by the August 16-17 events, on the principal point of their teaching to their students, up to that point in time. On this account, we described the relevant such professors of economics as "quackademics." Second, that their teaching would lead, in practice, into introducing forms of economic austerity, world-wide, against labor, and others, echoing the measures of fascistic economists such as Hjalmar Schacht, in 1920s and 1930s Germany. Third, we, as critics, were willing to meet any challenge from the accused economists, by offering the author of these two charges, the present writer, to debate publicly any champion the offended academic economists might select.
In short, the New York academic economists selected Professor Abba Lerner to be that champion. An audience of under 1,000, chiefly faculty representatives and students, attended. Throughout, this writer focussed upon the charge which he had made publicly against Lerner: that Lerner's economic theory had already impelled Lerner to propose, or to support otherwise, measures of austerity modelled upon the fascist measures imposed in 1930s Germany by Nazi Minister Hjalmar Schacht. In the end, Lerner conceded, in effect, by delivering what most in the audience heard as a shocking admission, Lerner's apology for the policies of Schacht: he stated, that had the German Social- Democracy supported Schacht, "Hitler would not have been necessary." The quotation is exact.
Afterward, Lerner's closest political associate, the noted John Dewey clansman and former Communist, Professor Sidney Hook, avowed: Yes, LaRouche had defeated Lerner in the debate, but LaRouche would pay a price for that success. On one point, Hook proved accurate: Since that time, no U.S. academic economist has been willing to risk his skin in a public debate with this writer.
Although, many among those relevant, professional economists of the post-August 1971 decades, would have rightly insisted that they were not personally fascist ideologues, the characteristic tendency of their policy-shaping always moved them in the direction of either recommending the kinds of fascistic trends in economic policy against which this writer had warned in August 1971, or making excuses for those who did so. Just as this writer had first warned, in late August 1971, the consistent trend in U.S. academic and governmental economic policy-shaping, since then, has been toward the kind of fascist austerity presently typified by either Newt Gingrich's co-thinkers, or the utterly shameless neo-Nazism of the fuzzy-tongued former Colorado governor, Reform Party pre-candidate Dick Lamm.
Thus, were Hitler alive and running as candidate of the Nazi Party in Germany--or, in the United States, today, even among most liberal academics, it would be forbidden, on grounds of "political correctness," to describe that candidate Hitler, or Pennsylvania Governor Tom Ridge, as promoting "Nazi-like" policies. Among radical conservatives, "neo" or other, in today's U.S.A., the charge of "Nazi-like," or simply "fascist," strikes too close to home for comfort. Not only arguable fascists, such as Newt Gingrich or Phil Gramm, have reason to be sensitive on this issue; most so-called "liberal" economists are carriers of the epidemic trends in thinking, not only in economics, but on social policy generally.
Go back to 1966-1971. Why did most liberal economists of that time, as Professor Abba Lerner typifies the case, take the first baby-steps, leading toward what should have been visible to them as today's GOPAC and kindred threats of full-blown American fascism? What was included, or perhaps missing, from their comprehension of economic processes, which has led into mass-murderous fascistic policies such as those of Gingrich's "Contract on Americans," and of the man classed variously as "apparent," or "abberant" candidate for the Republican Party's Vice-Presidential nomination, the "Nuremberg criminal" Pennsylvania Governor Tom Ridge?
The present writer has identified this specific problem, repeatedly, within policy analyses published earlier in editions of Executive Intelligence Review, and other locations. We bring that issue into sharper focus upon the specific topic posed here.
Prince Philip Says He Is a 'Higher Ape'
While his wife has been otherwise occupied, the co-founder of the World Wildlife Fund, Britain's Duke of Edinburgh, Prince Philip, has insisted, repeatedly, that he is neither a man, nor a horse, but a "higher ape." As it was for Charles Darwin, since long before both the Duke and the U.S.A.'s "Unabomber," that is the kernel of neo-Malthusian philosophy, to which today's World-Wide Fund for Nature is devoted; it is the kernel of the issue of economics upon which our attention is focussed here.
The characteristic feature of all physical economy, from the most remote point of pre-history of mankind, to the present, is the increase of human potential relative population-density, from the level of several millions living individuals, the maximum for any imaginable higher ape, such as Prince Philip, to several hundred millions, and then billions, as the consequence of a succession of changes in typically human behavior, as exemplified by scientific and technological progress in both the development of inhabited areas, and in the productive powers of labor. This measurement of productive powers of labor, is expressed in terms of physical contents of market-baskets of output, and of consumption, per capita, per household, and per square kilometer of relevant land-area.
Converted into the language of classroom thermodynamics, this increase in life-expectancy, standard of living, and potential density of population, depends upon an increase of the level of the potential productivity of the imputable labor-force of society, per capita. As Gottfried Leibniz specified, in founding the science of physical economy, in his 1671 Society and Economy, this level of productive potential in the member of the labor-force, depends upon a corresponding standard of material and cultural existence. among the family households which produce the members of the labor-force. This also requires appropriate levels of physical improvement of basic economic infrastructure of the society taken as a whole, and increased levels of expenditure, per capita, in capital facilities, and in materials invested in the individual work-place.
Continuing to examine the history of physical economy, from earliest known times, in these same terms of reference, we have the following notable results.
Identify the aggregation of those costs (and related investments) necessary to sustain a certain level of productive powers of labor for a society, as corresponding to "energy of the system." Identify any margin of output in excess of those costs, as "free energy." Thus, we are presented with notion of some ratio of "free energy" to "energy of the system," This ratio, as expressed in physical terms, not monetary or analogous terms, provides society a standard of measure of performance. This standard is composed of the relationship between two elements: 1) absolute "energy of the system" per capita of labor force, as measured in relative physical content of market-baskets of standard necessary consumption; 2) ratio of "free energy" to "energy of the system."
The increase of the productive powers of labor, is expressed initially, in terms of increase of the required physical content of all market-baskets: production, infrastructure, and capital investment in production. These are measured threefoldly: per-capita of labor-force, per household, and per relevant square kilometer. The associated, required condition, is that the ratio of "free energy" to "energy of the system" must not decline, despite the increase (in physical terms, and as measured in terms of the division of labor) of the capital-intensity of required "energy of the system" (per capita, per household, and per square kilometer).
That latter restriction ("constraint") may be termed, conveniently, the characteristic required function of the economy considered as a whole, or, simply, Characteristic Function.
The commonplace, fallacious assumption, even prior to 1966-71, was that economics must proceed from the "microcosm," as of the individual farm, factory, or trading-house, to build up to the level of considering the society as a whole.[1] For those of such opinion, thus, productivity must be measured, first, at the point of production within the individual firm, and that in respect to ratios of prices of sales versus prices of necessary purchases. The question whether the gain of the individual enterprise came as a loss to the society as a whole, was not considered. This attempt to derive a general theory of political-economy from an assumed microcosmic "cell form," was the usual situation, and is the essence of the fallacious approach taken by the followers of the British East India Company's Haileybury School, such as Adam Smith, Jeremy Bentham, Thomas Malthus, David Ricardo, Karl Marx, et al. In more recent decades, it was argued that this was the "capitalist," or "free society" approach, supposedly as distinct from the Soviet approach.
During the late 1940s through 1960s, there came an epidemic of lunacy in the military and security institutions of the U.S.A. The case of the FBI under the Hoover-Tolson dynasty is notorious. The military side of the problem is more interesting, and more directly relevant to the concerns we have expressed here. It began, as an invasion of silly varieties of so-called "social science," invading the newly-created U.S. Air Force, during the late 1940s: as through RAND and MIT channels, such as those associated with Margaret Mead and her sometime husband, Gregory Bateson of MK-Ultra notoriety. During the 1960s, This plague took over West Point Military Academy. This invasion by "mind snatchers," included a strong emphasis upon the pseudo-scientific cults of "cybernetics" and "systems analysis." It spread through leading universities, and prominent military suppliers and influential "think tanks;" it was purveyed widely through the forums of the American Management Association and kindred circuits, and through the "technical" textbooks of the notorious "how to deceive your neighbors into thinking you are a genius, all in less than one hour a day, all in your spare time" variety. The notorious cult text, High Frontier, is an example of this latter sort of charlatanry.
This infusion of pseudo-science provided a medium for the spread of a hyperventilating mantra: "Free economy versus command economy." That mantra has served as the predecessor of the fascist (anti-"big government") communitarianism cult adopted by Speaker Newt Gingrich and his fellow-clansmen of "Contract on Americans" (those considered by Gingrich, Ridge, their supporters, et al. to be "useless eaters").[2] The wild-eyed fanaticism associated with that mantra, has contributed a significant part to the incompetence of taught (and practiced) economics today.
More significant than that mantra, has been the popularization of "material incentives," a doctrine whose impact upon quality is typified by a visit to any gallery offering an exhibition of what passes for modern art among the wealthy, and would-be-wealthy decadent classes of today. The same sick minds have supplied us the related dogma of "psychological" (as distinct from "material") incentives (e.g., a more resonant job-description, in lieu of a pay raise). In short, the influence of pathetic varieties of so-called "social science" upon economic policy-shaping, has been to impose a Hobbesian, morally degraded conception of "human nature," upon the practice of the firm, and the society as a whole. "Lure people into being 'more productive,' through material and other psychological incentives."
The crux of the matter is implicit in the assertion: "No amount of bananas or stroking, could induce baboons (or, perhaps, Prince Philip) to invent the wheel."
The widespread, credulous toleration of the outrageously anti-scientific, axiomatic assumptions, underlying the work of such followers of Bertrand Russell as Norbert Wiener ("information theory") and John Von Neumann ("systems analysis"), exemplifies the nature of the incompetence pervading economics teaching even prior to the 1966-1971 interval, and even more so after that. Von Neumann's assumption, as set forth publicly by him in 1938, was that all economies can be reduced, for purposes of analysis, to the terms of solutions for systems of simultaneous linear inequalities. Wiener's fatal presumption, was that human intelligence could be reduced to an expression of Ludwig Boltzmann's statistical thermodynamics of a linear kinematic model, the so-called "H-theorem." The absurdity of Wiener's assumption subsumes the identical quality of foolishness in Von Neumann's views of both economies and the human brain.
As we have summarized the fact, above, any successful economy must satisfy the requirement, that the productivity must be increased, through such means as emphasis upon investment in scientific and technological progress. However, although this requires an increase in the relative (physical) "energy of the system" of the economy, taken as a whole, per capita, per household, and per square kilometer, the ratio of "free energy" to "energy of the system" must not decline. That is, a true "not-entropic" process, whose very existence suffices to demonstrate that the universe, taken in its entirety, is, similarly, "not-entropic."[3] This fact has crucial economic implications; it also has, as Bernhard Riemann showed implicitly, in his 1854 habilitation dissertation, the most profound implications for both mathematics and mathematical-physics in general.
Whence this "not-entropic" impulse, so indispensable to the continued existence of the human species? It is derived, ultimately, from valid, axiomatic-revolutionary qualities of discovery of principles of nature, in both science and Classical art-forms. These discoveries, by their nature, can not be communicated, in the form of what Wiener presumes to be "information:" by means of a mathematical or other language based upon levels of knowledge existing prior to that mental act of discovery. Such discoveries can be communicated, only by prompting a replication of the original discovery within the sovreign precincts of the individual mind of the student, et al. It is in this process of evoking reenactments of original discoveries of principle, that knowledge is imparted to the present generations from the past, and valid new discoveries of principle added to the stock of human knowledge.
As Riemann emphasizes,[4] the incorporation of any valid new principle into mathematical physics, requires us to depart the domain of mathematical formalism for the realm of experimental physics, and, thereafter, to redesign mathematics to accomodate what the old mathematics could never develop, or represent. That quality of invention, is the only source of the "not-entropy" upon which all economy depends.
In mathematical terms, the pathway of economic meta-equilibrium demanded by the characteristic function of physical economy, is described by what is known as a "Riemann Surface Function," a succession of physical geometries, ordered in terms of advances in Gaussian curvature, each employed to represent the characteristic of that stage of advancement of the economy,
Thus, for any competently designed economic policy, the following leading rules apply:
- There must be a universal Classical form of education (e.g., the Humboldt model formerly used, for the more fortunate students, in Germany), for all young members of society. (Not merely trade-school, or other so-called "practical" education. No John Dewey, or "New Math" permitted. Lots and lots of "dead, white, European males," and others, are required for all.)
- The standard wage-income or substitute for all households of society, must conform to the cultural level of something better than the presently desired productive potential of the labor-force.
- The improvements in infrastructure and work-place, per capita, per household, and per square kilometer, must conform to the Characteristic Function of physical economy.
- The rate of development of, and investment in scientific and technological progress, and in Classical cultural development, must be sufficient to satisfy, in effect, the Characteristic Function of physical economy.
The beginning of economic science is to be found in the appropriate Biblical location: Genesis 1:26-30. The scientific evidence is, that man and woman are made in the living image of the Creator, by virtue of that developable creative power of the human individual through which mankind's power over the universe is increased without limit. A science of economy, is the branch of physical science which premises itself upon the increase of the physical power of survival of mankind, through reliance upon the development of those creative mental powers, for valid, axiomatic-revolutionary discovery of principle, which sets humanity absolutely apart from, and above, all other creatures.
That is the essence of the matter. That, therefore, is the point of reference from which to discover the cause for any economic affliction which mankind imposes upon itself.
FOOTNOTE1. As by aggregating "Value Added" of the economy's individual parts. [return to text]
2. "Communitarianism," as typified by former Columbia University denizen and Professor Amitai Etzioni, is an explicitly fascist movement derived from the Nazi Party circles' traditions met in Schumacher's Small is Beautiful. Etzioni's "communitarianism" was initially presented, during the mid-1970s, under Etzioni's rubric of "fascism with a human face." Obviously, the attack upon "big government" is part of the movement to replace national governments by UNO world government, and national economies by a single,"global economy" controlled by world government. [return to text]
3. The fact, that mankind's potential relative population-density has been increased through valid, axiomatic-revolutionary discoveries of natural principle, demonstrates, the universe is prone, by its implied principle of design, to submit to the properly developed human powers of cognitive discovery of principle. Hence, the characteristic feature of that process of higher hypothesis, which subsumes a series of successful discoveries of principle, is a reflection of the lawful design of the universe as a whole. Since, an efficient realization of the "not-entropic" series, in economic development, expresses the mathematical form of Riemann's 1854 habilitation dissertation, and since this series is in correspondence with scientific progress, the ordering subsumed by mankind's cognitive powers for successive, valid, axiomatic-revolutionary discoveries of principle, reflects the "not-entropic" ordering-principle characteristic of the universe to which man's successful efforts at discovery are addressed. An elaboration of the principles involved will be found in the forthcoming publication of this writer's "Leibniz From Riemann's Standpoint," Fidelio, Fall 1996. [return to text]
4. e.g., 1854 habilitation dissertation. [return to text]


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Science Olympiad Foundation (SOF) has released the answer key of National Science Olympiad (NSO) 2019 today. Available for download at sofworld.org, the NSO answer keys have correct answers of all sections of the exam including achievers section, science, and logical reasoning for classes 1st to 10th, and physics, chemistry, mathematics / biology, achievers section for class 11th and 12th.
However right now, only the answer key for Set A has been made available.
Candidates can download the answer key from sofworld.org, from the direct link sofworld.org/answers-keys-cut-2019. Clicking the link on text "SOF NSO answer keys Set A" opens the page where for each of the classes from 1st to 12th, a separate answer key has been published.
The direct link to download all SOF NSO answer keys 2019 for set A is sofworld.org/sof-nso-answer-keys-set-2019. All the answer keys are in pdf format. Anyone can download them without the requirement of any login.
22nd NSO was held on November 11 and 21, 2019. Set A answer key means the answer key of exam held on the first day, that is November 11, 2019. The answer key of set B, that is for the exam held on November 21, 2019 is still awaited. Considering that the first one is out, the second one should be on the way, and should be available soon.
After the exam was held, coaching centres such as Resonance and Motion IIT JEE had released their versions of the exam solutions. However the answers that will be actually used for marking are those in the official answer key released by SOF. Hence it is recommended that even if one had checked answer keys of coaching centres after the exam, the official version should be referred to get a better idea of predicted scores.
Students who had appeared for the olympiad had been eagerly waiting for the SOF NSO answer key 2019. Though a larger demand was for the set B answer keys, primarily because although many coaching centres released answer keys for set A, only few had done so for set B.
Last year SOF had conducted National Science Olympiad on November 1 and 27, and declared results on December 26. If a similar timeline is followed this time, then the results of the 22nd NSO are likely to be out by December 20, 2019.
Science Olympiad Foundation will declare the result at results.sofworld.org/results. Students will need to enter their roll number only to check their results. Besides knowing whether they have qualified for level 2, students also get a performance report.
For class 1 and 2 students, SOF will give awards on the basis of level 1 exam only. For the rest of the classes, students will be shortlisted for level 2 on the basis of this level 1 exam. Then in the second level, the criteria of ranking will be marks scored in the level 2 exam, marks of level 1 will not be used for final ranking. However in case of a tie, the first step of breaking a tie will be marks scored in sections in level two exam accorded higher priority, then marks scored in level one exam will be used, and then marks scored in sections in level one exam accorded higher priority.


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We're going meatless for the whole day today, and Sankala wanted to do something nice for dinner. It turns out Amber has had a vegetarian menu since Amber 2.0 started, as they move towards becoming more sustainable as a restaurant. On our last visit more than 2 years ago, Richard Ekkebus told us that he himself had been moving towards a more plant-based diet with reduced meat intake. So we decided to return to one of my old haunts for this occasion.
I still hate that the fluorescent lighting here causes banding on my Sony A9, but I've gotten better at dealing with banding over the last 2 years.
Love, love that they still insist on serving Nordaq Fresh. There's absolutely no reason to be forced to drink bottled water that's been shipped from a different continent. I have water filtration systems both at home and in my office, so why would I not want the same thing when dining out?!
We were taking it easy and took the 6-course vegetarian menu, but who were we kidding?! Richard was never gonna let us have "just" 6-courses and have us complain about leaving the place hungry...
But first, some Champagne. Richard very generously sent us a welcome glass of lovely bubbly. It's always nice to be pampered, of course... and we are always grateful for his hospitality.


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This Act exists to protect ecologically significant sites on Prince Edward Island, including sand dunes, marshes, rivers, ponds, bogs, forests, offshore islands, cliffs and marine areas.
This Act provides for the preservation, regulation, and study of archaeological, historical, paleontological, and ecological sites in Nova Scotia.
This Nova Scotia legislation aims to protect provincial water resources so as to ensure their "long-term self-sufficiency and utilization to the greatest benefit of the population". It recognizes the need to preserve water supplies for future domestic nee ...


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Now that you've got a homestead, you're probably hoping to quit your job and focus full time on your homestead. Learn how to make your homestead profitable so can you make your dream a reality!
Unleash The Power Of Your Homestead: Could You Make Your Homestead a Profitable Business?
It was the 16th president of the United States, Abraham Lincoln, who once said, "The greatest fine art of the future will be the making of a comfortable living from a small piece of land." While you may dream of becoming a completely self-sufficient homesteader living solely off the land, reality may require you to continue earning an income to make ends meet.
As the chances are good that your homestead is bursting with income-generating potential, you may want to consider turning it into a profitable business. Before taking the plunge, however, there are a number of important things to consider.
Have a closer look at your resources
The first thing you will need to do upon deciding that you want to generate an income from your homestead is identify the resources you have at your disposal. Your resources include many things, such as your capital, property, skillsets, knowledge, and even your determination. Other resources include the various fruit and vegetables growing on your land, as well as the animals you keep.
If you have no shortage of passion but lack some financial savvy, you should consider enlisting the help of a business advisor, who can help you determine exactly how much money you have available and what additional financing you may require. There are also a variety of reliable online tools to help you reduce the confusion associated with raising capital.
Consider possible income streams
Once you have identified your available resources, you can examine the different income streams you can create from them to create a profitable homestead.
Farm-fresh fruit and vegetables can be sold as fresh produce or turned into delicious jellies, pickles and preserves that can be sold at local farmer's markets or developed into retail store-worthy product lines.
Depending on the exact nature of your resources, you can produce and sell everything from artisan bread and handcrafted cheese to free-range jerky, lotion bars, or beautiful rustic homemade soap.
If your homestead is particularly eye-catching and you have land available to be developed, consider turning it into a campsite, bed and breakfast, or wedding venue.
Take heed of the risks you may face
Small businesses are typically faced with a range of risks, including those pertaining to cash flow concerns, brand fatigue, security and fraud, and competition. Homesteaders also have a unique set of risks to contend with, such as extreme weather conditions, food trends, natural predators, and amended farming regulations.
While this may seem like a lot to contend with, there is no reason to get disheartened. As a homesteader, you are more than likely naturally averse to placing all your eggs in a single basket. This inherent instinct, together with your drive and determination, will see you making informed decisions and only taking well-calculated risks that will benefit your new homestead business venture.
There are many ways you can generate an income from your homestead. As long as you do in-depth research and refrain from taking unnecessary risks, you can turn make your homestead profitable.