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Fun to drive. Easy to cover.
A New Vehicle Limited Warranty** covering 6 years or 72,000 miles, whichever occurs first, isn't generous; it's proof of our confidence.
A warranty built for two.
If you sell your Atlas, the remainder of the New Vehicle Limited Warranty** transfers to the new owner at no cost to you.
Compare our warranty to the runners-up.
Our bumper-to-bumper transferable New Vehicle Limited Warranty** is longer, in years and mileage, than our competitors.*
*Claim based on manufactures' published data on length and transferability of car and SUV Bumper-to-bumper/Basic warranty only. Not based on other separate warranties.
**6 years/72,000 miles (whichever occurs first) New Vehicle Limited Warranty on MY2018 and MY2019 VW vehicles, excluding e-Golf. See owner's literature or dealer for warranty exclusions and limitations.
Three rows isn't a crowd.
Atlas accommodates three rows of seats with ease. Each row is large enough for kids, adults, or a combination of both to sit comfortably.
96.8 cubic feet of cargo space
With the 2nd and 3rd rows folded down, the Atlas has 96.8 cubic feet of cargo space. You may need more stuff just to take advantage of it.
Come in for a grille-to-grille comparison.
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Information for Newly-Registered Investment Advisers
Oct. 12, 2017
November 23, 2010 [Update Currently in Progress]
Prepared by the Staff of the Securities and Exchange Commission's Division of Investment Management and Office of Compliance Inspections and Examinations1
This information sheet contains general information about certain provisions of the Investment Advisers Act of 1940 (also called the "Advisers Act") and selected rules under the Advisers Act. It is intended to assist newly-registered investment advisers in understanding their compliance obligations with respect to these provisions. This information sheet also provides information about the resources available to investment advisers from the SEC to help advisers understand and comply with these laws and rules.
As an adviser registered with the SEC, you have an obligation to comply with all of the applicable provisions of the Advisers Act and the rules that have been adopted by the SEC. This information sheet does not provide a complete description of all of the obligations of SEC-registered advisers under the law. To access the Advisers Act and rules and other information, visit the SEC's website at www.sec.gov (the Advisers Act and rules are available at http://www.sec.gov/divisions/investment.shtml).2
Investment Advisers Are Fiduciaries
As an investment adviser, you are a "fiduciary" to your advisory clients. This means that you have a fundamental obligation to act in the best interests of your clients and to provide investment advice in your clients' best interests. You owe your clients a duty of undivided loyalty and utmost good faith. You should not engage in any activity in conflict with the interest of any client, and you should take steps reasonably necessary to fulfill your obligations. You must employ reasonable care to avoid misleading clients and you must provide full and fair disclosure of all material facts to your clients and prospective clients. Generally, facts are "material" if a reasonable investor would consider them to be important. You must eliminate, or at least disclose, all conflicts of interest that might incline you — consciously or unconsciously — to render advice that is not disinterested. If you do not avoid a conflict of interest that could impact the impartiality of your advice, you must make full and frank disclosure of the conflict. You cannot use your clients' assets for your own benefit or the benefit of other clients, at least without client consent. Departure from this fiduciary standard may constitute "fraud" upon your clients (under Section 206 of the Advisers Act).
Investment Advisers Must Have Compliance Programs
As a registered investment adviser, you are required to adopt and implement written policies and procedures that are reasonably designed to prevent violations of the Advisers Act. The Commission has said that it expects that these policies and procedures would be designed to prevent, detect, and correct violations of the Advisers Act. You must review those policies and procedures at least annually for their adequacy and the effectiveness of their implementation, and designate a chief compliance officer ("CCO") to be responsible for administering your policies and procedures (under the "Compliance Rule" — Rule 206(4)-7).
We note that your policies and procedures are not required to contain specific elements. Rather, you should analyze your individual operations and identify conflicts and other compliance factors that create risks for your firm and then design policies and procedures that address those risks. The Commission has stated that it expects your policies and procedures, at a minimum, to address the following issues to the extent that they are relevant to your business:
- Portfolio management processes, including allocation of investment opportunities among clients and consistency of portfolios with clients' investment objectives, your disclosures to clients, and applicable regulatory restrictions;
- The accuracy of disclosures made to investors, clients, and regulators, including account statements and advertisements;
- Proprietary trading by you and the personal trading activities of your supervised persons;
- Safeguarding of client assets from conversion or inappropriate use by your personnel;
- The accurate creation of required records and their maintenance in a manner that secures them from unauthorized alteration or use and protects them from untimely destruction;
- Safeguards for the privacy protection of client records and information;
- Trading practices, including procedures by which you satisfy your best execution obligation, use client brokerage to obtain research and other services (referred to as "soft dollar arrangements"), and allocate aggregated trades among clients;
- Marketing advisory services, including the use of solicitors;
- Processes to value client holdings and assess fees based on those valuations; and
- Business continuity plans.
Investment Advisers Are Required to Prepare Certain Reports and to File Certain Reports with the SEC
As a registered investment adviser, you are required to file an annual update of Part 1A of your registration form (Form ADV) through the Investment Advisers Registration Depository (IARD). You must file an annual updating amendment to your Form ADV within 90 days after the end of your fiscal year. In addition to making annual filings, you must promptly file an amendment to your Form ADV whenever certain information contained in your Form ADV becomes inaccurate (the Form ADV filing requirements are contained in Rule 204-1 of the Advisers Act, and in the instructions to the Form).
- Make sure your Form ADV is complete and current. Inaccurate, misleading, or omitted Form ADV disclosure is the most frequently cited finding from our examinations of investment advisers.
- Please keep the e-mail address of your contact person current (Form ADV, Part 1A, Item 1J). We use this e-mail address to keep you apprised of important developments (including when it's time to file an amendment to your Form ADV).
- Accurately report the amount of assets that you have under management (Form ADV, Part 1A, Item 5F(2)). Advisers who have less than $25 million of assets under management, who are not otherwise eligible to maintain their registration with the SEC, or who stop doing business as an investment adviser, should file a Form ADV-W through IARD to withdraw their registration.
With respect to Part 2A of your Form ADV, you are required to file it electronically through IARD. As with Part 1A, you must update Part 2 annually within 90 days of the end of your fiscal year and whenever it becomes materially inaccurate. Part 2B brochure supplements, are not required to be uploaded to IARD.
You may also be subject to other reporting obligations. For example, an adviser that exercises investment discretion (or that shares investment discretion with others) over certain equity securities (including convertible debt and options), which have a fair market value in the aggregate of $100 million or more, must file a Form 13F each quarter that discloses these holdings. "Discretionary authority" means that you have the authority to decide which securities to purchase, sell, and/or retain for your clients.
You should also be aware that it is unlawful to make any untrue statement or omit any material facts in an application or a report filed with the SEC (under Section 207 of the Advisers Act), including in Form ADV and Form ADV-W.
Investment Advisers Must Provide Clients and Prospective Clients with a Written Disclosure Statement
Registered investment advisers are required to provide their advisory clients and prospective clients with a written disclosure document (these requirements, and a few exceptions, are set forth in Rule 204-3 under the Advisers Act). As a registered adviser, you comply with this requirement by providing advisory clients and prospective clients with Part 2 of your Form ADV. This written disclosure document should be delivered to your prospective clients before or at the time of entering into an advisory contract (under certain conditions, you may comply with the delivery requirements through electronic media).
Each year, you also need to deliver Part 2 or summary of material changes to each client, without charge. You are required to maintain a copy of each disclosure document and each amendment or revision to it that was given or sent to clients or prospective clients, along with a record reflecting the dates on which such disclosure was given or offered to be given to any client or prospective client who subsequently became a client (under Rule 204-2(a)(14)).
Investment Advisers Must Have a Code of Ethics Governing Their Employees and Enforce Certain Insider Trading Procedures
As a registered investment adviser, you are required to adopt a code of ethics (under the "Code of Ethics Rule" — Rule 204A-1 under the Advisers Act). Your code of ethics should set forth the standards of business conduct expected of your "supervised persons" (i.e., your employees, officers, directors and other people that you are required to supervise), and it must address personal securities trading by these people.
We note that you are not required to adopt a particular standard of business ethics. Rather, the standard that you choose should reflect your fiduciary obligations to your advisory clients and the fiduciary obligations of the people you supervise, and require compliance with the federal securities laws. In adopting a code of ethics, investment advisers may set higher ethical standards than the requirements under the law.
In order to prevent unlawful trading and promote ethical conduct by advisory employees, advisers' codes of ethics should include certain provisions relating to personal securities trading by advisory personnel. Your code of ethics must include the following requirements:
- Your "access persons" must report their personal securities transactions to your CCO or to another designated person each quarter. "Access persons" are any of your supervised persons who have access to non-public information regarding client transactions or holdings, make securities recommendations to clients or have access to such recommendations, and, for most advisers, all officers, directors and partners.
- Your access persons must submit a complete report of the securities that they hold at the time they first become an access person, and then at least once each year after that.3 Your code of ethics must also require that your access persons obtain your approval prior to investing in initial public offerings or private placements or other limited offerings, including pooled investment vehicles (except if your firm has only one access person).
- Your CCO or another person you designate in addition to your CCO must review these personal securities transaction reports.
- Your supervised persons must promptly report violations of your code of ethics (i.e., including the federal securities laws) to the CCO or to another person you designate (provided your CCO also receives a report on such issues). You must also maintain a record of these breaches.
Also, as a registered investment adviser, you are required to establish, maintain, and enforce written policies and procedures that are reasonably designed to prevent the misuse of material non-public information (under Section 204A of the Advisers Act). These policies and procedures must encompass your activities and those of your supervised persons. Advisers often include this prohibition on insider trading in their code of ethics.
Provide each of the people that you supervise with a copy of your code of ethics (and any amendments that you subsequently make to it), and also obtain a written acknowledgement from the supervised person that he/she has received it. In addition, you must describe your code of ethics in your Form ADV, Part 2, Item 11 and provide a copy to your advisory clients, if they request it.
Investment Advisers are Required to Maintain Certain Books and Records
As a registered adviser, you must make and keep true, accurate and current certain books and records relating to your investment advisory business (under "the Books and Records Rule" — Rule 204-2). The books and records that you must make and keep are quite specific, and are described below in part:
- Advisory business financial and accounting records, including: cash receipts and disbursements journals; income and expense account ledgers; checkbooks; bank account statements; advisory business bills; and financial statements.
- Records that pertain to providing investment advice and transactions in client accounts with respect to such advice, including: orders to trade in client accounts (referred to as "order memoranda"); trade confirmation statements received from broker-dealers; documentation of proxy vote decisions; written requests for withdrawals or documentation of deposits received from clients; and written correspondence you sent to or received from clients or potential clients discussing your recommendations or suggestions.
- Records that document your authority to conduct business in client accounts, including: a list of accounts in which you have discretionary authority; documentation granting you discretionary authority; and written agreements with clients, such as advisory contracts.
- Advertising and performance records, including: newsletters; articles; and computational worksheets demonstrating performance returns.
- Records related to the Code of Ethics Rule, including those addressing personal securities transaction reporting by access persons.
- Records regarding the maintenance and delivery of your written disclosure document and disclosure documents provided by certain solicitors who seek clients on your behalf.
- Policies and procedures adopted and implemented under the Compliance Rule, including any documentation prepared in the course of your annual review.
Some advisers are required to maintain additional records. For example, advisers that have custody and possession of clients' funds and/or securities must make and keep additional records that are described in the Books and Records Rule (Rule 204-2, paragraph (b)), and advisers who provide investment supervisory or management services to any client must also make and keep specific additional records (which are described in Rule 204-2, paragraph (c)).
You must keep these records for specified periods of time. Generally, most books and records must be kept for five years from the last day of the fiscal year in which the last entry was made on the document or the document was disseminated. You may be required to keep certain records for longer periods, such as records that support performance calculations used in advertisements (as described in Rule 204-2, paragraph (e)).
You are required to keep your records in an easily accessible location. In addition, for the first two of these years, you must keep your records in your office(s). If you maintain some of your original books and records somewhere other than your principal office and place of business, you must note this practice and identify the alternative location on your Form ADV (in Section 1K of Schedule D). Many advisers store duplicate copies of their advisory records in a location separate from their principal office in order to ensure the continuity of their business in the case of a disaster.
You may store your original books and records by using either micrographic media or electronic media. These media generally include microfilm or digital formats (e.g., electronic text, digital images, proprietary and off-the-shelf software, and email). If you use email or instant messaging to make and keep the records that are required under the Advisers Act, you should keep the email, including all attachments that are required records, as examiners may request a copy of the complete record. In dealing with electronic records, you must also take precautions to ensure that they are secure from unauthorized access and theft or unintended destruction (similar safeguarding provisions regarding client information obtained by you is required by Regulation S-P under the Gramm-Leach-Bliley Act). In general, you should be able to promptly (generally within 24 hours) produce required electronic records that may be requested by the SEC staff, including email. In order to do so, the Advisers Act requires that you arrange and index required electronic records in a way that permits easy location, access, and retrieval of any particular electronic record.
Investment Advisers Must Seek to Obtain the Best Price and Execution for Their Clients' Securities Transactions
As a fiduciary, you are required to act in the best interests of your advisory clients, and to seek to obtain the best price and execution for their securities transactions. The term "best execution" means seeking the best price for a security in the marketplace as well as ensuring that, in executing client transactions, clients do not incur unnecessary brokerage costs and charges. You are not obligated to get the lowest possible commission cost, but rather, you should determine whether the transaction represents the best qualitative execution for your clients. In addition, whenever trading may create a conflicting interest between you and your clients, you have an obligation, before engaging in the activity, to obtain the informed consent from your clients after providing full and fair disclosure of all material facts. The Commission has described the requirement for advisers to seek best execution in various situations.
In selecting a broker-dealer, you should consider the full range and quality of the services offered by the broker-dealer, including the value of the research provided, the execution capability, the commission rate charged, the broker-dealer's financial responsibility, and its responsiveness to you. To seek to ensure that you are obtaining the best execution for your clients' securities trades, you must periodically evaluate the execution performance of the broker-dealers you use to execute clients' transactions.
You may determine that it is reasonable for your clients to pay commission rates that are higher than the lowest commission rate available in order to obtain certain products or services from a broker-dealer (i.e., soft dollar arrangement). To qualify for a "safe harbor" from possible charges that you have breached your fiduciary duty by causing your clients to pay more than the lowest commission rate, you must use clients' brokerage commissions to pay for certain defined "brokerage or research" products and services, use such products and services in making investment decisions, make a good faith determination that the commissions that clients will pay are reasonable in relation to the value of the products and services received, and disclose these arrangements.
The SEC staff has stated that, in directing orders for the purchase or sale of securities, you may aggregate or "bunch" orders on behalf of two or more client accounts, so long as the bunching is done for the purpose of achieving best execution, and no client is systematically advantaged or disadvantaged by the bunching. The SEC staff has also said that, if you decide not to aggregate orders for client accounts, you should disclose to your clients that you will not aggregate and the potential consequences of not aggregating orders.
If your clients impose limitations on how you will execute securities transactions on their behalf, such as by directing you to exclusively use a specific broker-dealer to execute their securities transactions, you have an obligation to fully disclose the effects of these limitations to the client. For example, if you negotiate volume commission discounts on bunched orders, a client that has directed you to use a specific broker should be informed that he/she will forego any benefit from savings on execution costs that you might obtain for your other clients through this practice.
You should also seek to obtain the best price and execution when you enter into transactions for clients on a "principal" or "agency cross" basis. If you have acted as a principal for your own account by buying securities from, or selling securities to, a client, you must disclose the arrangement and the conflicts of interest in this practice (in writing) and also obtain the client's consent for each transaction prior to the time that the trade settles. There are also explicit conditions under which you may cross your advisory clients' transactions in securities with securities transactions of others on an agency basis (under Rule 206(3)-2). For example, you must obtain advance written authorization from the client to execute such transactions, and also provide clients with specific written disclosures. Compliance with Rule 206(3)-2 is generally not required for transactions internally crossed or effected between two or more clients you advise and for which you receive no additional compensation (i.e., commissions or transaction-based compensation); however, full disclosure regarding this practice should be made to your clients.
Requirements for Investment Advisers' Contracts with Clients
As a registered investment adviser, your contracts with your advisory clients must include some specific provisions (which are set forth in Section 205 of the Advisers Act). Your advisory contracts (whether oral or written) must convey that the advisory services that you provide to the client may not be assigned by you to any other person without the prior consent of the client. With limited exceptions, contracts cannot include provisions providing for your compensation to be based on the performance of the client's account. In addition, the SEC staff has stated that an adviser should not enter into contracts with clients, except with certain sophisticated clients, that contain terms or clauses commonly referred to as a "hedge clause" because such clauses or provisions are likely to lead other clients to believe that they have waived their rights of legal action, whether under the federal securities laws or common law.
Investment Advisers May be Examined by the SEC Staff
As a registered investment adviser, your books and records are subject to compliance examinations by the SEC staff (under Section 204 of the Advisers Act). The purpose of SEC examinations is to protect investors by determining whether registered firms are complying with the law, adhering to the disclosures that they have provided to their clients, and maintaining appropriate compliance programs to ensure compliance with the law. If you are examined, you are required to provide examiners with access to all requested advisory records that you maintain (under certain conditions, documents may remain private under the attorney-client privilege).
More information about examinations by the SEC and the examination process is provided in the brochure, "Examination Information for Broker-Dealers, Transfer Agents, Clearing Agencies, Investment Advisers and Investment Companies," which is available on the SEC's website at http://www.sec.gov/about/offices/ocie/ocie_exambrochure.pdf.
Requirements for Investment Advisers that Vote Proxies of Clients' Securities
As a registered investment adviser, if you have voting authority over proxies for clients' securities, you must adopt policies and procedures reasonably designed to ensure that you: vote proxies in the best interests of clients; disclose information to clients about those policies and procedures; and describe to clients how they may obtain information about how you have voted their proxies (these requirements are in Rule 206(4)-6 under the Advisers Act).
If you vote proxies on behalf of your clients, you must also retain certain records. You must keep: your proxy voting policies and procedures; the proxy statements you received regarding your client's securities (the Rule provides some alternative arrangements); records of the votes you cast on behalf of your clients; records of client requests for proxy voting information; and any documents that you prepared that were material to making a decision as to how to vote or that memorialized the basis for your decision (these requirements are described in Advisers Act Rule 204-2(c)(2)).
Requirements for Investment Advisers that Advertise their Services
To protect investors, the SEC prohibits certain types of advertising practices by advisers. An "advertisement" includes any communication addressed to more than one person that offers any investment advisory service with regard to securities (under "the Advertising Rule" — Rule 206(4)-1). An advertisement could include both a written publication (such as a website, newsletter or marketing brochure) as well as oral communications (such as an announcement made on radio or television).
Advertising must not be false or misleading and must not contain any untrue statement of a material fact. Advertising, like all statements made to advisory clients and prospective clients, is subject to the general prohibition on fraud (Section 206 as well as other anti-fraud provisions under the federal securities laws). Specifically prohibited are: testimonials; the use of past specific recommendations that were profitable, unless the adviser includes a list of all recommendations made during the past year; a representation that any graph, chart, or formula can in and of itself be used to determine which securities to buy or sell; and advertisements stating that any report, analysis, or service is free, unless it really is free.
The SEC staff has said that, if you advertise your past investment performance record, you should disclose all material facts necessary to avoid any unwarranted inference. For example, SEC staff has indicated that it may view performance data to be misleading if it:
- does not disclose prominently that the results portrayed relate only to a select group of the adviser's clients, the basis on which the selection was made, and the effect of this practice on the results portrayed, if material;
- does not disclose the effect of material market or economic conditions on the results portrayed (e.g., an advertisement stating that the accounts of the adviser's clients appreciated in value 25% without disclosing that the market generally appreciated 40% during the same period);
- does not reflect the deduction of advisory fees, brokerage or other commissions, and any other expenses that accounts would have or actually paid;
- does not disclose whether and to what extent the results portrayed reflect the reinvestment of dividends and other earnings;
- suggests or makes claims about the potential for profit without also disclosing the possibility of loss;
- compares model or actual results to an index without disclosing all material facts relevant to the comparison (e.g., an advertisement that compares model results to an index without disclosing that the volatility of the index is materially different from that of the model portfolio); and
- does not disclose any material conditions, objectives, or investment strategies used to obtain the results portrayed (e.g., the model portfolio contains equity stocks that are managed with a view towards capital appreciation).
In addition, as a registered adviser, you may not imply that the SEC or another agency has sponsored, recommended or approved you, based upon your registration (under Section 208 of the Advisers Act). You should not use the term "registered investment adviser" unless you are registered, and you should not use this term to imply that as a registered adviser, you have a level of professional competence, education or special training. For example, the SEC staff has stated that advisers should not use the term "RIA" after a person's name because using initials after a name usually indicates a degree or a licensed professional position for which there are certain qualifications; however, there are no federal qualifications for becoming an SEC-registered adviser.
Requirements for Investment Advisers that Pay Others to Solicit New Clients
Registered investment advisers may pay cash compensation to others to seek out new clients on their behalf, commonly called "solicitors" or "finders," if they meet certain conditions (under Rule 206(4)-3 of the Advisers Act):
- The solicitor is not subject to certain disciplinary actions.
- The fee is paid pursuant to a written agreement to which you are a party and (with limited exceptions) the agreement must: describe the solicitor's activities and compensation arrangement; require that the solicitor perform the duties you assign and in compliance with the Advisers Act; require the solicitor to provide clients with a current copy of your disclosure document; and, if seeking clients for personalized advisory services, require the solicitor to provide clients with a separate written disclosure document containing specific information.
- You receive from the solicited client, prior to or at the time you enter into an agreement, a signed and dated notice confirming that he/she was provided with your disclosure document and, if required, the solicitor's disclosure document.
- You have a reasonable basis for believing that the solicitor has complied with the terms of your agreement.
Requirements for Investment Advisers that have Custody or Possession of Clients' Funds or Securities
Registered investment advisers that have "custody" or "possession" of client assets must take specific measures to protect client assets from loss or theft (under "the Custody Rule" — Rule 206(4)-2 under the Advisers Act).
The first step is to determine whether you have custody or possession of client assets. "Custody" is defined as "holding, directly or indirectly, client funds or securities, or having any authority to obtain possession of them." This includes situations in which you:
- have physical possession of client funds or securities, even temporarily;
- enter into arrangements (including a general power of attorney) authorizing you to withdraw funds or securities from the client's account (note that if you are authorized to deduct your advisory fees or other expenses directly from clients' accounts, you have custody); and
- serve in a capacity that gives you or a supervised person legal ownership or access to client funds or securities (note that if you are a general partner to a privately-offered pooled investment vehicle, you have custody).
- If you are a trustee, you may have custody.
If you have custody, with limited exceptions, you must maintain these client funds and securities at a "qualified custodian." Generally, qualified custodians include most banks and insured savings associations, SEC-registered broker-dealers, Commodity Exchange Act-registered futures commission merchants, and certain foreign financial institutions. With a limited exception, for client accounts over which you have custody, you must have a reasonable basis, after due inquiry, for believing that the client (or a designated representative) receives periodic reports directly from the custodian that contain specific information with respect to the funds and securities in custody. With respect to pooled investment vehicles over which you have custody, the qualified custodian must send account statements for the pooled vehicle directly to each investor.
If you have custody of client funds or securities that are held at an unrelated, independent qualified custodian, then you must have a "surprise verification" by an independent public accountant. The independent public accountant must verify the funds and securities in your custody or possession at least once each calendar year, and must then promptly file a "certificate of accounting" with Form ADV-E electronically through IARD.4
If you have custody of client funds or securities that you or a related person maintains as a qualified custodian, then you must also have an internal control report completed by an independent public accountant registered with, and subject to regular inspection by, the Public Company Accounting Oversight Board.
Staff answers to frequently asked questions regarding the custody rule may be found at http://www.sec.gov/divisions/investment/custody_faq_030510.htm.
Requirements for Investment Advisers to Disclose Certain Financial and Disciplinary Information
Registered investment advisers may be required to disclose certain financial and disciplinary information (under Rule 206(4)-4 under the Advisers Act). These requirements are described below.
Registered advisers that have custody or discretionary authority over client funds or securities, or that require prepayment six months or more in advance of more than $1,200 in advisory fees, must promptly disclose to clients and any prospective clients any financial conditions that are reasonably likely to impair their ability to meet their contractual commitments to their clients.
All registered advisers must also promptly disclose any legal or disciplinary events that would be material to a client's or a prospective client's evaluation of the adviser's integrity or its ability to meet its commitments to clients (regardless of whether the adviser has custody or requires prepayment of fees). The types of legal and disciplinary events that may be material include:
- Criminal or civil actions, where the adviser or a management person of the adviser was convicted, pleaded guilty or "no contest," or was subject to certain disciplinary actions with respect to conduct involving investment-related businesses, statutes, regulations, or activities; fraud, false statements, or omissions; wrongful taking of property; or bribery, forgery, counterfeiting, or extortion.
- Administrative proceedings before the SEC, other federal regulatory agencies, or any state agency where the adviser's or a management person's activities were found to have caused an investment-related business to lose its authorization to do business or where such person was involved in a violation of an investment-related statute or regulation and was the subject of specific disciplinary actions taken by the agency.
- Self-regulatory organization (SRO) proceedings in which the adviser or a management person was found to have caused an investment-related business to lose its authorization to do business; or was found to have been involved in a violation of the SRO's rules and was the subject of specific disciplinary actions taken by the organization.
Informational Resources Available From the SEC
The SEC provides a great deal of helpful information about the compliance obligations of investment advisers on the SEC's website at https://www.sec.gov/investment. This information includes links to relevant laws and rules, staff guidance and studies, enforcement cases, and staff no-action and interpretive letters (generally from 2001 — present). In addition, the SEC's website contains a list of the source materials that were used in preparing this information sheet.
To assist chief compliance officers of investment advisers and investment companies in meeting their compliance responsibilities and to help enhance compliance in the securities industry, the SEC has established the "CCOutreach Program." This program includes regional and national seminars on compliance issues of concern to CCOs. Information about CCOutreach and any scheduled events is available at http://edgarfeed.sec.gov/info/complianceoutreach.htm.
Finally, the SEC staff regularly receive calls and correspondence concerning the application of the federal securities laws, and advisers and other registrants are encouraged to communicate any questions or issues to SEC staff. To ensure that you reach the right person at the SEC, the SEC's website lists the names and contact information for SEC staff in the Division of Investment Management who are responsible for responding to communication from the public about specific topics (https://www.sec.gov/investment/contact/divisions-investment-imcontacthtm.html). With respect to issues or questions that arise in the context of a compliance examination by the SEC, advisers are encouraged to raise any questions or issues directly with the SEC examination team, or with examination supervisors in their local SEC office (contact information for senior examination staff is available at http://www.sec.gov/about/offices/ocie/ocie_org.htm).
Additional Information: Reference Materials
The following informational sources may be helpful.
Investment Advisers Are Fiduciaries
- Section 206 of the Advisers Act.
- SEC v. Capital Gains Research Bureau, Inc., 375 U.S. 180 (1963), available on the SEC's website at http://www.sec.gov/about/offices/ocie/iainfo/capitalgains1963.pdf.
- In re Arleen W. Hughes, Release No. 34-4048 (Feb 18, 1948), available on the SEC's website at http://www.sec.gov/litigation/opinions/2007/ia-4048.pdf.
Investment Advisers Must Have Compliance Programs
- Rule 206(4)-7 under the Advisers Act.
- Compliance Programs of Investment Companies and Investment Advisers, Advisers Act Release No. 2204 (Dec. 17, 2003), available on the SEC's website at http://www.sec.gov/rules/final/ia-2204.htm.
Investment Advisers Are Required to Prepare Certain Reports and to File Certain Reports with the SEC
- Form ADV (Part 1A and Part 2), instructions to the Form, and filing requirements contained Rule 204-1 under the Advisers Act.
- A list of the amendments that advisers must make to their Form ADV is in the General Instructions to Form ADV (Item 4) at http://www.sec.gov/pdf/fadvpo.pdf.
- SEC staff's responses to frequently asked questions regarding completing and filing Form ADV are available on the SEC's website at http://www.sec.gov/divisions/investment/iard/iardfaq.shtml.
- Additional information regarding Form 13F and an official list of securities that fall under Section 13(f) of the Securities Exchange Act are on the SEC's website at https://www.sec.gov/pdf/form13f.pdf.
Investment Advisers Must Provide Clients and Prospective Clients with a Written Disclosure Statement
- Rule 204-3 under the Advisers Act.
- Use Of Electronic Media By Broker-Dealers, Transfer Agents, and Investment Advisers for Delivery of Information; Additional Examples Under The Securities Act Of 1933, Securities Exchange Act Of 1934, And Investment Company Act, Advisers Act Release No. 1562 (May 9, 1996), available on the SEC's website at http://www.sec.gov/rules/interp/33-7288.txt.
Investment Advisers Must Have a Code of Ethics Governing Their Employees and Enforce Certain Insider Trading Procedures
- Section 204A and Rule 204A-1 of the Advisers Act.
- Investment Adviser Codes of Ethics, Advisers Act Release No. 2256 (July 2, 2004), available on the SEC's website at http://www.sec.gov/rules/final/ia-2256.htm.
- SEC staff no-action letter, Kleinwort Benson Investment Management Limited (pub. avail. Dec. 15, 1993), available on the SEC's website at http://www.sec.gov/divisions/investment/noaction/kleinwort121593.htm.
- SEC staff no-action letter, Corinne E. Wood (Herbert-Simon Co.) (pub. avail. April 17, 1986), available on the SEC's website at http://www.sec.gov/divisions/investment/noaction/herbert-simon031886.htm.
Investment Advisers are Required to Maintain Certain Books and Records
- Rule 204-2 under the Advisers Act and Regulation S-P, privacy rules promulgated under Section 504 of the Gramm-Leach-Bliley Act.
- Privacy of Consumer Financial Information (Regulation S-P), Advisers Act Release No. 1883 (June 22, 2000), which is available on the SEC's website at http://www.sec.gov/rules/final/34-42974.htm.
- Electronic Recordkeeping by Investment Companies and Investment Advisers, Advisers Act Release No. 1945 (May 24, 2001), which is available on the SEC's website at http://www.sec.gov/rules/final/ic-24991.htm.
Investment Advisers Must Seek to Obtain the Best Price and Execution for Their Clients' Securities Transactions
- Section 206 of the Advisers Act.
- Interpretive Release Concerning Scope of Section 28(e) of the Securities Exchange Act of 1934 and Related Matters, Exchange Act Release No. 23170 (Apr. 23, 1986), available on the SEC's website at http://www.sec.gov/rules/interp/34-23170.pdf.
- Interpretation of Section 206(3) of the Investment Advisers Act of 1940, Advisers Act Release No. 1732 (July 17, 1998), available on the SEC's website at http://www.sec.gov/rules/interp/ia-1732.htm.
- Commission Guidance Regarding Client Commission Practices Under Section 28(e) of the Securities Exchange Act of 1934, Exchange Act Release No. 54165 (July 18, 2006), available on the SEC's website at http://www.sec.gov/rules/interp/2006/34-54165.pdf.
- In re Thompson and McKinnon, Exchange Act Release No. 8310 (May 8, 1968), available on the SEC's website at http://www.sec.gov/litigation/opinions/34-8310.pdf.
- In re Mark Bailey and Co., Advisers Act Release No. 1105 (Feb. 24, 1988), available on the SEC's website at http://www.sec.gov/litigation/admin/ia-1105.pdf.
- In re Kingsley, Jennison, McNulty & Morse, Inc., Advisers Act Release No. 1396 (Dec. 23, 1993), available on the SEC's website at http://www.sec.gov/litigation/opinions/ia-1396.pdf.
- In re Marvin & Palmer Associates, Inc., Advisers Act Release No. 1841 (Sept. 30, 1999), available on the SEC's website at http://www.sec.gov/litigation/admin/ia-1841.htm.
- SEC staff no-action letter, United Missouri Bank of Kansas City, N.A. (pub. avail. May 11, 1990), available on the SEC's website at http://www.sec.gov/investment/noaction/unitedmissouribank012395.htm.
- SEC staff no-action letter, SMC Capital, Inc. (pub. avail. Sept. 5, 1995), available on the SEC's website at http://www.sec.gov/divisions/investment/noaction/smccapital090595.htm.
- SEC staff no-action letter, Pretzel & Stouffer (Dec. 1, 1995), available on the SEC's website at http://www.sec.gov/divisions/investment/noaction/pretzelstouffer120195.htm.
Requirements for Investment Advisers' Contracts with Clients
- Section 205 of the Advisers Act.
- SEC staff no-action letter, Auchincloss & Lawrence, Inc. (pub. avail. Feb. 8, 1974) available on the SEC's website at http://www.sec.gov/divisions/investment/noaction/auchincloss010874.htm.
- SEC staff no-action letter, Heitman Capital Management LLC (pub. avail. Feb. 12, 2007), available on the SEC's website at http://www.sec.gov/divisions/investment/noaction/2007/heitman021207.pdf.
Investment Advisers May be Examined by the SEC Staff
- Section 204 of the Advisers Act.
Requirements for Investment Advisers that Vote Proxies of Clients' Securities
- Rule 206(4)-6 and Rule 204-2(c)(2) under the Advisers Act.
- Proxy Voting by Investment Advisers, Advisers Act Release No. 2106 (Jan. 31, 2003), available on the SEC's website at http://www.sec.gov/rules/final/ia-2106.htm.
Requirements for Investment Advisers that Advertise their Services
- Section 206 and Rule 206(4)-1 under the Advisers Act.
- SEC staff no-action letter, Clover Capital Management, Inc. (pub. avail. Oct. 28, 1986), available on the SEC's website at http://www.sec.gov/divisions/investment/noaction/clovercapital102886.htm.
- SEC staff no-action letter, Investment Company Institute, (pub. avail. Sept. 23, 1988), available on the SEC's website at http://www.sec.gov/divisions/investment/noaction/ici092388.htm.
- SEC staff no-action letter, Mandell Financial Group. (pub. avail. May 21, 1997), available on the SEC's website at http://www.sec.gov/divisions/investment/noaction/mandell052197.htm.
Requirements for Investment Advisers that Pay Others Cash to Solicit New Clients
- Rule 206(4)-3 of the Advisers Act.
Requirements for Investment Advisers that have Custody or Possession of Clients' Funds or Securities
- Rule 206(4)-2 under the Advisers Act.
- Staff Responses to Questions about the Custody Rule at http://www.sec.gov/divisions/investment/custody_faq_030510.htm
- Custody of Funds or Securities of Clients by Investment Advisers, Advisers Act Release No. 2986 (Dec. 30, 2009), available on the SEC's website at http://www.sec.gov/rules/final/2009/ia-2968.pdf.
- SEC staff no-action letter, Investment Adviser Association, (pub. avail. Sept. 20, 2007), available on the SEC's website at http://www.sec.gov/divisions/investment/noaction/2007/iaa092007.pdf.
Requirements for Investment Advisers to Disclose Certain Financial and Disciplinary Information
- Rule 206(4)-4 under the Advisers Act.
1 The Securities and Exchange Commission, as a matter of policy, disclaims responsibility for any publication or statement by any of its employees. The views expressed herein are those of the staff and do not necessarily reflect the views of the Commission or the other staff members of the SEC.
2 This information sheet contains descriptions of the Advisers Act, rules, Commission releases, court decisions, Commission orders and opinions, which impose or explain legal obligations. It also contains staff interpretations and no-action letters that have been issued by the Division of Investment Management. Staff interpretations and no-action letters provide informal interpretative and advisory assistance and represent the views of persons who are continuously working with the provisions of the Advisers Act. Opinions expressed by the staff, however, are not an official expression of the Commission's views and they do not have the force of law. You may wish to speak with an attorney or a compliance professional about specific provisions and how they apply to your firm. This information is current as of June 2007.
3 A complete report contains: the title and type of security; the exchange ticker symbol or CUSIP number; the number of shares, and principal amount of the security; the name of any broker, dealer or bank where the access person has an account that holds securities for the access person's direct or indirect benefit; and the date the access person submits the report.
4 There are exceptions to this requirement. For example, an adviser is not required to provide regular account statements with respect to a registered investment company or a limited partnership (or another type of pooled investment vehicle) that is subject to an audit at least annually and that distributes its audited financial statements prepared in accordance with generally accepted accounting principles (GAAP) to all investors, generally within 120 days of the end of its fiscal year (under Rule 206(4)-2).

subset: commoncrawl


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(Photo by Linda Y, Jun's co-worker)
Congratulations Jun & David! This beautiful couple were married last Saturday, November 6th in Los Angeles. I met Jun while at UCLA's Library School in 2003, and we hit it off immediately and have had a great time the last 7 years.
Koyasan Buddhist Temple in Downtown Los Angeles' Little Tokyo. It was a very touching ceremony conducted in both English and Japanese. The priest had asked Jun & David to write letters to each other, and he read them during the ceremony. They didn't know he would do that when they wrote the letters, so they were honest and funny. After dating for 12 years, everyone was so excited to witness the ceremony. Jun wore her mother's beautiful wedding kimono!
Center for the Arts, Eagle Rock. It's a historic 1914 Carnegie Library (the former LAPL Eagle Rock branch). They have art classes on the bottom floor and rent out the top floor. I think the bar area was the information or circulation desk! How perfect is that?!
I'm one of those people who loves to receive and give handmade gifts. So my gift to Jun & David was the dessert bar at the reception.
(Jun & David, don't read this part) But what was I thinking? I'm a freaking librarian with a small refrig and basic oven. I've only make food for my library, and this was a 125 person reception. Thus, I got 5 hours of sleep in two days. But it was so worth it! The wedding and reception was so much fun!
Oh, you poor mini cake. I made it at 4 am on the day of the wedding (yes, I was a bit behind schedule. And before all you kids who finished a week's worth of homework in one night tell me I could have frozen items prior to the wedding, that just didn't happen.) It got frosted by Helen (Cook's Illustrated Basic Buttercream) and we were off to set up at the reception hall.
When we arrived, Helen lifts up the cake carrier and notices that the cake completely shifted and is smashed against the side of the box. We call Alison, Helen's awesome daughter, and leave this voicemail: "Alison. Go to the grocery store. Buy a boatload of white canned frosting. Stat. Please. Thank you." Then, I carry in the sad cake carrier and I proceed to Drop. It. On. Its. Head. Yes, we dropped the darn thing twice! Luckily, the Daruma figurines were not on the cake. Finally, we shellac the cake with canned frosting, but you can see some of the bad bits coming through. Luckily, no one was planning on cutting or eating this cake. On their first anniversary, I'll bring over cream puffs and cupcakes to celebrate. No one wants to get near this twice bruised cake.
- Chocolate Buttermilk Cupcakes with Mascarpone Frosting
- Chocolate Mint Cupcakes with Andes Baking Mints and Peppermint Buttercream Frosting
- Pumpkin Cupcakes with Cream Cheese Honey Frosting
- Lemon Blueberry Cheesecake
- Coffee Jello
- Raspberry Jam Shortbread
- Nutella Chocolate Chip Cookies
- Oatmeal Cranberry Cookies (replaced raisins with dried cranberries, used old-fashioned oats)
- Lemon Bars (Barefoot Contessa recipe)
- Lemon Tarts with Meringue
- Fruit Tarts with Vanilla Pastry Cream
- Vanilla Cream Puffs
- Chocolate Cream Puffs
- Brownies (Sono Bakery)
- Fruit kabobs
- Fresh Fuyu Persimmon
- Mochi from Sakura-ya in Gardena, CA
- 1,040 pieces of dessert and fruit
- 8 dozen eggs (Next time, I'm getting myself a chicken. Hee hee. There will be no "next time.")
- 30 sticks of butter (I looked like a mad woman checking out of Trader Joe's with 8 boxes of butter in my cart)
- And so much cream cheese, chocolate, lemons, sugar and flour...
- My friend Helen and her daughter Alison who helped sooooo much!
- My mom and auntie who came over on Thursday and Friday to do all my dishes and help organize the treats.
- My cousin who filled up my car with gas the morning of the wedding and ran errands for me.
- My friend Socrates and his boyfriend Jesus who helped plate the desserts and prep the dessert bar.
- Jun's co-worker Linda who was able to take awesome photos of the dessert bar while we were setting up (you can totally be a food photographer!)
- My friends JustJenn, Diane, Jessica, Fellow Mary, co-workers, and blogger friends who supported me via txt message, email messages and twitter.
- mary the food librarian
Photo notes: Food photos and top wedding photo by Linda Y, friend of Jun's.


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About Us
Dealing with the challenges of today requires problem-solvers who bring different perspectives and are willing to take risks. Mark Wallace Ministries emerged out of a pursuit to inspire and support the community, and a desire for actions to speak louder than words. Established in 2000, we're an organization driven by progressive ideas, bold actions, and a strong foundation of support. Contact us to learn more and get involved.
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Privacy Policy
[fusion_builder_container hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3″ video_aspect_ratio="16:9″ video_loop="yes" video_mute="yes" border_style="solid" flex_column_spacing="0px" type="flex"][fusion_builder_row][fusion_builder_column type="1_1″ type="1_1″ background_position="left top" background_color="" border_color="" border_style="solid" border_position="all" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3″ animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" min_height="" hover_type="none" link="" first="true"][fusion_text]
How we respect privacy when we deal with personal information collected by our organisation
This Privacy Policy applies to information we BIRDS OF PARADISE FOUNDATION collect about individuals who interact with our organisation. It explains what personal information we collect and how we use it.
If you have any comments or questions about this notice, feel free to contact us at email@example.com
1. Personal data that we process
The following table explains the types of data we collect and the legal basis, under current data protection legislation, on which this data is processed.
|Data (key elements)
|Enquiring about our organisation and its work
Abdulqadir Aboo
(Trustee – Kenya)
Muhammadali Macci
(Trustee- UK)
Dawood Harunani
(Trustee – USA)
|Legitimate interests – it is necessary for us to read and store your message so that we can respond in the way that you would expect.
|Making a donation
|Charity and common good
Bank Name: Cooperative Bank
Bank Name: US Bank
2. How we use your data
We will only use your data in a manner that is appropriate considering the basis on which that data was collected, as set out in the table at the top of this policy.
For example, we may use your personal information to:
- reply to enquiries you send to us;
- handle donations or other transactions that you initiate;
- where you have specifically agreed to this, send you marketing communications by email relating to our work which we think may be of interest to you.
3. When we share your data
We will only pass your data to third parties in the following circumstances:
- you have provided your explicit consent for us to pass data to a named third party;
- we are using a third party purely for the purposes of processing data on our behalf and we have in place a data processing agreement with that third party that fulfils our legal obligations in relation to the use of third party data processors; or
- we are required by law to share your data.
In addition, we will only pass data to third parties outside of the EU where appropriate safeguards are in place as defined by Article 46 of the General Data Protection Regulation.
4. How long we keep your data
We take the principles of data minimisation and removal seriously and have internal policies in place to ensure that we only ever ask for the minimum amount of data for the associated purpose and delete that data promptly once it is no longer required.
Where data is collected on the basis of consent, we will seek renewal of consent at least every three years.
5. Rights you have over your data
You have a range of rights over your data, which include the following:
- Where data processing is based on consent, you may revoke this consent at any time and we will make it as easy as possible for you to do this (for example by putting 'unsubscribe' links at the bottom of all our marketing emails).
- You have the right to ask for rectification and/or deletion of your information.
- You have the right of access to your information.
- You have the right to lodge a complaint with the Information Commissioner if you feel your rights have been infringed.
A full summary of your legal rights over your data can be found on the Information Commissioner's website here: https://ico.org.uk/
If you would like to access the rights listed above, or any other legal rights you have over your data under current legislation, please get in touch with us.
Please note that relying on some of these rights, such as the right to deleting your data, will make it impossible for us to continue to deliver some services to you. However, where possible we will always try to allow the maximum access to your rights while continuing to deliver as many services to you as possible.
6. Cookies & usage tracking
A cookie is a small file of letters and numbers that is downloaded on to your computer when you visit a website. Cookies are used by many websites and can do a number of things, eg remembering your preferences, recording what you have put in your shopping basket, and counting the number of people looking at a website.
Where cookies are used to collect personal data, we list these purposes in section 1 above, along with other personal data that we collect. However, we also use some cookies that do not collect personal information but that do help us collect anonymous information about how people use our website. We use Google Analytics for this purpose. Google Analytics generates statistical and other information about website usage by means of cookies, which are stored on users' computers. The information collected by Google Analytics about usage of our website is not personally identifiable. The data is collected anonymously, stored by Google and used by us to create reports about website usage. Google's privacy policy is available at http://www.google.com/privacypolicy.html.
7. Modifications
We may modify this Privacy Policy from time to time and will publish the most current version on our website. If a modification meaningfully reduces your rights, we'll notify people whose personal data we hold and is affected.


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Sale on canvas prints! Use code JFRNBG at checkout for a special discount!
Boundary: Bleed area may not be visible.
Click and drag to re-position the image, if desired.
by Caesar van Everdingen
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The image is near the edges of the product but doesn't cover the entire product. Some of the background color may appear around the outside edges of the image.
Background Color
Product Details
Our shower curtains are made from 100% polyester fabric and include 12 holes at the top of the curtain for simple hanging from your own shower curtain rings. The total dimensions of each shower curtain are 71" wide x 74" tall.
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Spiral Notebook
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Jigsaw Puzzle
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For more information see my website : : www.augustastylianougallery.com Augusta Stylianou was born in Cyprus, the island of the goddess Aphrodite, in a beautiful sea-side town called Limassol. From a young age she enjoyed Geography and took interest in the customs and traditions of cultures. She wanted to find out, as was possible, about the entire world as well as the way in which it was created. She studied Political Sciences and Public Administration at the university of Athens, regardless of the fact that these fields of study did not reflect her true interests. During her student life she would make handicrafts, including jewellery, in the spare time that she had. This brought her closer to the arts and from then on her aim...


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Door Style
Simple classic styling allows this transitional door to match any decor.
Shape 5 Piece
Material Maple
Finish/Color Buckboard
Glaze None
Product photography and illustrations have been reproduced as accurately as print and web technologies permit. To ensure highest satisfaction, we suggest you view an actual sample from your dealer for best color, wood grain and finish representation.
Door Shape: 5 Piece
Material: Maple
Finish/Color: Buckboard
The material you choose will determine which finishes/colors are available. View our full offering of cabinet finishes/colors, paints & glazes by material.
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Girona vs FC Barcelona Tickets
Ticket Filter
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- Buy Confidently Direct From Verified Trusted Sellers (Approved By Us)
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Information About Girona vs FC Barcelona Football Tickets
Remarks You Must Read & Know Before Buying Girona vs FC Barcelona Tickets:
- Event date and time are subject to change - these changes are not connected to Football Ticket Net but to the official organizer - you are advised to check occasionally the correct date and time and make your personal arrangements for attending the match on the new date and time. We are sorry but no refunds can be made for rescheduled matches - tickets will be valid to the new date and time.
- The categories used by Football Ticket Net are not always similar to the categories used by the official organizer of the event. The exact block, row and seat numbers cannot be known beforehand. Unless purchased as single tickets, tickets are guaranteed in pairs - if you wish to buy tickets together for more than two people, please contact us and we will endeavour to fulfil your request.
- Football Ticket Net is a market place who specializes in sold out and hard to get football tickets, Football Ticket Net is not connected, not working with and not affiliated with by any way to any official organizer, team, venue, or box office. Most of our tickets are sold above face value, these prices are determined according to the demand and difficulty getting them which means that the price you will see on your ticket will not be similar to our price for the reasons mentioned before.
- All paid orders are final and guaranteed, we are sorry but no cancellations can be made. Please note, when your order is approved, we immediately confirm your tickets with our suppliers or with the sellers.
- Football Ticket Net guarantees to deliver your tickets in a secure and safe method in time for the match. The tickets are dispatched to you as soon as possible, usually 3-7 days prior to the match, and in most cases the tickets arrive to our customers 1-2 days before the match or sometimes even by the day of the match.
Be sure that we will always deliver the tickets to our customers on time and you will have them in your hand before the match starts. Our delivery methods are (depends on the match): registered post, hotel reception or concierge drop off, Pick up points (a place scheduled in advance for meeting one of our suppliers or private sellers) or an E-ticket (sent by email).
- Football Ticket Net recommends that before buying tickets on its site, to try and purchase tickets directly from the official organizers - if no tickets are available (sold out) or tickets are available only for members (hard to get) - Football Ticket Net is your optimal source for purchasing your tickets safely and securely.
More Girona Matches
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Girona vs Deportivo AlavesSpanish La Liga Montilivi, Girona, Spain Girona, Spain
Real Betis vs GironaSpanish La Liga Estadio Benito Villamarin, Sevilla, Spain Sevilla, Spain
Girona vs Atletico MadridSpanish La Liga Montilivi, Girona, Spain Girona, Spain
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FC Barcelona vs AlmeriaSpanish La Liga Estadi Olimpic Lluis Companys, Barcelona, Spain Barcelona, Spain
FC Barcelona vs Club AmericaFriendly Matches Cotton Bowl, Dallas, United States Dallas, United States
View All FC Barcelona Matches
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The Tiffen 6.6 x 6.6" Glimmerglass 1/16 Filter is a beauty filter whose function is two-fold: in addition to modifying the appearance of the image itself, it also features a sparkling appearance when viewed from the front, instilling more confidence in the model. The filter itself helps to soften skin details, blemishes, and wrinkles. It also produces glowing highlights and a mild reduction in contrast for a more ethereal appearance. The 1/16 density provides less softening than the 1/8.
This filter is made using ColorCore technology, a process that involves laminating the filter substrate between 2 pieces of optical glass and grinding flat to a tolerance of 1/10,000th of an inch. This filter measures 6.6 x 6.6" / 167.6 x 167.6mm.
Produces glowing highlights and a slight reduction in contrast for a more ethereal image appearance.
Helps to soften skin details, blemishes, and wrinkles.
When viewed from the subject's perspective, the filter appears to be sparkling and helps to instill confidence in models, resulting in a potentially better performance.


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Fresh Bloom [merino dk]
Fresh Bloom [merino dk]
Out of stock
Fresh Bloom features a bright minty green base with speckles of berry pink and mint green.
This colorway pairs well with Midnight Affair, Pearl, and It Ain't Easy.
merino dk: 100% supewash merino wool; 4-ply | 250 yds per 115 g
Due to the nature of hand-dyed, speckled yarns, skeins differ slightly both within and between dyelots. Alternating skeins every couple of rows is recommended when working large projects. I do my best to capture the true color of the yarn, however colors may vary due to monitor differences.
Each skein is rinsed to remove excess dye, however some bleeding may still occur with the first few washes. Hand washing yarn is recommended. Lay flat to dry.
This yarn comes from a pet-friendly household. All yarn is stored in airtight containers away from pets, however please keep any potential allergies in mind when ordering.


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Customize your care with Boiron single medicines for highly targeted relief. Abies Canadensis is a homeopathic dilution that relieves slow digestion and sour stomach from overindulgence. The pellets melt in your mouth and can be taken on the go, no food or water needed. They come in an easy dispensing tube of approx. 80 pellets (16 doses). Boiron single medicines are ideal for adults and children and do not contain artificial colors, flavors, sweeteners, or preservatives. Always use according to the label instructions unless directed by your health care professional.
With more than 85 years of expertise, Boiron is a trusted brand that prides itself on quality manufacturing and responsible environmental practices. All products are made according to the highest standards of cGMP and formulated with HPUS ingredients for purity.


text: A collection of the top 41 5120X1440 Gaming wallpapers and backgrounds available for download for free. We hope you enjoy our growing collection of HD images to use as a background or home screen for your smartphone or computer. Please contact us if you want to publish a 5120X1440 Gaming wallpaper on our site.


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Solas RUBEX HR3 #9552-148-17 Stainless Steel Boat Propeller Mercruiser Alpha One 5.7L Sterndrive 210 - 320 HP
Propeller Specifications:
- Part(s): Prop #9552-148-17Hub #RBX-102
- Manufacturer: Solas
- Brand:RUBEX HR3
- Material: Stainless Steel
- Diameter: 14 - 3/4
- Pitch: 17
- Blades: 3
- Rotation: Counter (Counter-Clockwise)
- Usually Ships Within: 1 Business Day
- Prop Hardware: All required propeller hardware may not be available. Consult engine manual for hardware requirements.
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About Solas Boat Propellers
RUBEX HR3 Stainless Steel Boat Propellers
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Call our Roof Replacement line at 855-462-5515 for a prompt response to roof leaks and other roofing issues.
Our responsive team will dispatch a technician to your site within hours, depending on the severity of the roof damage, to quickly assess your residential or commercial roof and make necessary repairs on the spot.
When it involves putting the best touches on a home our roofing solutions can easily add curb appeal to any house. We can aid you make a professional roofing plan to ensure that your home will be the best it can be. The possibilities are endless when you call Excel Roofing Service.
We at Excel Roofing Services aim to produce the roof of your dreams! Call us today and set up a consultation with our specialist roofers. You won't be dissatisfied. Call today for Services!
Find a Roofing Leak Repair specialist for buildings of all types from homes of all sizes to condo complexes, apartment buildings and offices in Topeka, KS 66683


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Code of Ethics
Integrity is an integral part of providing our customers with quality goods and services; therefore we adhere to the code of ethics adopted by the National Association of Educational Buyers:
- Give first consideration to the goals and policies of my institution.
- Strive to obtain the maximum value for each dollar of expenditure.
- Decline personal gifts or gratuities.
- Grant all competitive suppliers equal consideration insofar as state or federal statute and institutional policy permit.
- Conduct business with potential and current suppliers in an atmosphere of good faith, devoid of intentional misrepresentation.
- Demand honesty in sales representation whether offered through the medium of a verbal or written statement, an advertisement, or a sample of the product.
- Receive consent of originator of proprietary ideas and designs before using them for competitive purchasing purposes.
- Make every reasonable effort to negotiate an equitable and mutually agreeable settlement of any controversy with a supplier and/or be willing to submit any major controversies to arbitration or other third party review, insofar as the established policies of my institution permit.
- Accord a prompt and courteous reception insofar as conditions permit to all that call on legitimate business missions.
- Cooperate with trade, industrial, and professional associations, and with governmental and private agencies for the purpose of promoting and developing sound business methods.
- Foster fair, ethical, and legal trade practices.
- Counsel and cooperate with NAEP members and promote a spirit of unity and a keen interest in professional growth among them.
- Failure to comply with college procurement policies may result in further disciplinary actions, which may include suspension of employment and procurement responsibilities, or termination of employment.


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Domain Offer
Domain Purchase Agreement
Domain: FloridaNames.com
Price: $3500.00
This domain name is listed with a buy now price as listed below. Please fill out the form on the bottom of this page to start the sales and transfer process. You will receive an email from our Sales Department shortly with a Pending Sale Agreement. This will also explain the next steps in the transaction process.
Payment must be made within 7 days. We do offer payment programs, on some transactions. Our secure domain holding program allows the buyer to make scheduled payments, while the domain name is held in an escrow account. The domain name can be used by the buyer for a website and email, while making payments. Additional fees are charged for this service. Please contact our sales department in the remarks section below for more information.
If you have a request for any deviation from this listed and appraised sales price, please fill out the form below and add the remarks that you would like. Our sales team will reply to you via email 24/7.
You will receive emails from our sales and domain staff to assist in the sale and closing of this transaction. Please make sure the email address you enter below is accurate and not blocked from incoming emails. All emails will come from NameStore.com
By submitting this form, it is considered a binding contract of sale. For security purposes your IP address has been recorded. Any fraudulent use of this form will result in your IP address being blocked from our servers.
Domain Sale Information
All domain names listed for sale on NameStore.com are legally owned by our US based corporation. Our domain inventory changes daily and is updated every hour. All domain name sales transactions are managed by our Domain Management Group, as contracted Icann accredited registrar resellers. We partner with several of the largest domain registrars in the world for backend domain registrar support. Our domain sales and support team is available 24 hours a day - 7 days a week in our US based data center.
Payment Details
Our companies are long term corporate partners with both PayPal.com and Escrow.com for payment processing of any domain name sales. All transactions are 100% guaranteed and secure. Our company does not collect any payment information such as credit cards, bank information, etc. This is all handled by our partners at PayPal.com and Escrow.com for every transaction. You are free to choose below, which of these companies best fits your payment requirements and our Domains Department will set the transaction up with your choice.
Transfer Process
The domain name transfer process is streamlined and can happen within a few hours, on most transactions. After our Domains Department receives payment verification from our partners, they will immediately transfer the domain name to a domain account with all of your contact information, at the domain names registrar of record. You would then receive all the login and domain management information via email. If you prefer to transfer this domain name to another registrar, we will accommodate that transfer request. All transfers are only handled via email as it is a security requirement of our company and Icann.
Immediately upon transfer, all name servers and email accounts can be added or edited and the domain name can be redirected at no charge, to any website you would like. In your new domain account, you can choose from many free services, premium services and hosting programs. Upon payment and domain transfer, our company would have no further rights to this domain name. All legal rights would reside with the new owner.Offer Form


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Rule #1 - Be Patient - Rule #2 - Don't ask when, if you don't contribute - Rule #3 - You have coding skills - LinuxMCE's small brother is available: http://www.agocontrol.com
Where do we download the non-android versions?thx-Coley.
==========================================================================Releases can be found here: http://lasmarthomes.com/qorbiter/
working on it
Super... I haven't tried qorbiter for a while... I think the last one I downloaded was from the play store.QorbiterQT5: On my phone (HTC one-v ICS) I tried to download and install QorbiterQT5 but when I run it there is simply a "Your appliation encountered a fatal error and cannot continue" with an OK button.QorbiterQT4: On HTC one-v ICS: Downloaded, installed and ran (connected to my core) but functionality seemed rather limited. I'll post some details this weekend.Will try on my cheap tablet and wife's Samsung S4 as well.Do all the other config steps that are outlined somewhere on the wiki still apply? (skins, setting up the orbiter on the core, creating the config xml file on the device etc etc?) If we install a new version should we update all of that / redo it at all? Does the core need an update/upgrade to get the latest stuff on its side?What is the difference between QorbiterQT5 and QorbiterQT4... in terms of requirements? Are there any pre-requisites for QT5 that I should install to prevent the fatal error?many thanks and sorry for the ignorance.Is there a video or wiki page I should look at to see how it is *supposed* to work in case I report things that are just user errors?James.
I have tested the QT5 version on a Motorola Razr Maxx running android version 4.1.2. I keep getting an error `make sure you can connect to your core` - I can open a browser and pull up my core on 192.168.80.1 from my phone... let me know if you need more information or any insight.-herb
Can the Qt4 version be used on phones with an OS lower than 3.0? Mine's 2.3.5
Have tested the QT4 and QT5 nightly builds on my HTC Desire HD (running Jelly Bean 4.2.2).Installed and tried QT5 version first, but I also got the "make sure you can connect to your core" message. I use the Android touch orbiter as my main orbiter. Standard 192.168.80.1 internal IP address. Set up a qOrbiter on the core. Skin folder is up to date.Then installed QT4 version, and it loads up to show the 6 buttons with the power and exit bar at the bottom. The 'Advanced' button works to show the submenu, as does the 'Power' button. No response from the other buttons.Went back to QT5 version, but now it shuts down straight away without showing the error message from before, I assume as a result of also having the QT4 version installed (don't know if that's relevant)Cheers,Matt.
Have read your previous posts, understand now that I should be testing QT5 only on this device.This is on a phone.To begin with, as a precaution, I removed the contents of /var/www/lmce-admin/skins folder before running "svn co http://svn.linuxmce.org/svn/branches/LinuxMCE-1004/src/qOrbiter/qOrbiter_src/qml /var/www/lmce-admin/skins". Also did the chmod on /var/www/lmce-admin/skins/android.I've uninstalled the QT4 version from my phone.Unfortunately I'm seeing the same issue. This is the log for when I try to load it http://pastebin.com/GJ36a3RuCheers,Matt.
the key bit is making them accessible via 'chmod -R 777 /var/www/lmce-admin/skins/android'


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Export 2 results:Author Title Type [ Year]
Filters: Author is Pérez, M Teresa [Clear All Filters]
"Transmurality Maps in Late Enhancement Cardiac Magnetic Resonance Imaging by a New Radial Fast Marching Method", XXIX Congreso Anual de la Sociedad Española de Ingeniería Biomédica, Cáceres, Spain, pp. 211–214, 2011.,
"A variationally based weighted re-initialization method for geometric active contours", Biomedical Imaging: From Nano to Macro, 2010 IEEE International Symposium on: IEEE, pp. 908–911, 2010.,


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Privacy Policy
GemStar Candles is completely committed to protecting the privacy of our site visitors and customers. Therefore we will not disclose information about our customers to third parties except where it is part of providing a service to you.
Your Consent is important to us too. Therefore we will never sell your name, address, e-mail address, credit card information or any other personal information to any third party without your consent.
Communication & Marketing
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Early Booking
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from 30 reviews 97% appreciated Fethiye View all reviews
Fethiye, Fethiye, Turkey
Last booking: 10/23/2023
Oludeniz, Fethiye, Turkey
Last booking: 11/24/2023
Last booking: 10/05/2023
Last booking: 09/28/2023
Gocek, Fethiye, Turkey
Last booking: 09/18/2023
When choosing a hotel from Fethiye, Turkey in a summer holiday resort, an important factor not to be neglected is the hotels proximity to the beach. If the hotel in Fethiye, Turkey is located in the very center of interest of the resort, near the beach, the beach, the tourists will have increased chances of a successful stay.
Being located near the beaches, hotels near the beach from Fethiye, Turkey are consequently very close to the areas where restaurants, fast food, outlets, supermarkets, souvenir shops, local food stores, seasonal products boutiques, pharmacies, etc. are concentrated. This means a whole range of trade for all tastes and pockets. Basically, staying at a hotel in Fethiye, Turkey near the beach, you are minutes away from all the facilities needed for the perfect holiday on your own or with a tour guide.
But the most important advantage of choosing a hotel close to the beach in Fethiye, Turkey is by far the time saving with walking from the room to the beach and back for a nap during the day and a proper sleep by night.
Choosing a hotel close to the beach for your summer holiday will guarantee a unique holiday atmosphere, both through the excellent views directly from the privacy of your room and the hotel holiday theme, inspiring the good mood, lack of worry, concern exclusively on leisure and air gourmet breeze of a dream holiday.
Hotels from Fethiye, Turkey near beach are the ideal choice for romantic getaways, group vacations, with incredible nights out ending up late on the beach, spontaneous picnics, but also for families with children who will not carry about the logistics problem at the beach anymore.
Hotels near beach in Fethiye, Turkey 2024 - Offers holiday accommodation Hotel near beach in Fethiye. Search and Book now by DirectBooking.ro !


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Download the application Now & Revive the true spirit of Islam
* All Timings are Beginning Times
Strzelce Krajenskie
Prayer Timings – In the five basic pillars of Islam, Namaz (Salah) is considered as the second more important pillar, in Qur'an there are about seven hundred different places which show the importance of Namaz in Islam. Internet facilitates in every sort of life and makes our life style easier so, being a Muslim Ummah, why we don't get the quick helps for the internet in religious things, internet helps in striving to enlighten people with the knowledge of the Qur'an and Sunnah of the Prophet Muhammad (S.A.W) to provide the services for the Islamic point of view and be a part to spread the Islamic knowledge and info.
Strzelce Krajenskie
Prayer Times أوقات الصلاة – This Namaz time page is very useful for the Muslims, here you get the prayer timings of all the cities and districts of various countries either Muslim or Non-Muslim to get the all five times prayers according to the current schedule of Salah time in your location. This page provides the
Strzelce Krajenskie
Namaz Time with Sunrise to give the quick services for the citizens of
Strzelce Krajenskie
with the help of it they can offer Salah on time. The resident of
Strzelce Krajenskie
can Bookmark this page in your laptops and other internet devices to get the updated timings when you visit.
Strzelce Krajenskie
Prayer Time is important to know daily by the residents of
Strzelce Krajenskie
to perform daily their prayers (صلوٰۃ - نماز). Daily
Strzelce Krajenskie
Prayer Times include Fajar Times at
5:50 AM, Dhuhur / Zuhur Prayer Time at
11:50 AM, Asr Prayer Time at
1:26 PM, Maghrib Prayer Time at
and Isha Prayer Time at
Strzelce Krajenskie. Muslim worldwide performs five Prayers daily and it is must to know the legitimate prayer time of each prayer. Users can find here
Strzelce Krajenskie
prayer time monthly, weekly and for 30 days. There is also Yearly Calendar for
Strzelce Krajenskie
Prayer Times.
Prayer Time in Strzelce Krajenskie for Saturday 09 Dec 2023 are:
Fajr Time Strzelce Krajenskie: 5:50 AM
Zuhr Time Strzelce Krajenskie: 11:50 AM
Asr Time Strzelce Krajenskie: 1:26 PM
Maghrib Time Strzelce Krajenskie: 3:42 PM
Isha Time Strzelce Krajenskie: 5:43 PM
These prayer timings are updated on 09-Dec-2023
Fajr Last Time Strzelce Krajenskie: 7:58 AM
Zuhr Last Time Strzelce Krajenskie: 1:26 PM
Asr Last Time Strzelce Krajenskie: 3:42 PM
Maghrib Last Time Strzelce Krajenskie: 5:43 PM
Isha Last Time Strzelce Krajenskie: 5:50 AM


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Pooling the resources of several operators, Southplanet is the largest cultural database of the South
Here you will find projects that are currently being edited, which are looking for partners for their action.
You can contact the project leaders by email if you wish to become a partner or provide your help.
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New Arrival Delicate Design Austria crystal Gold Color Earrings
Subcribe to back in stock notification
Free Shipping
We can ship to virtually any address in the world. Note that there are restrictions on some products, and some products cannot be shipped to international destinations.
When you place an order, we will estimate shipping and delivery dates for you based on the availability of your items and the shipping options you choose. Depending on the shipping provider you choose, shipping date estimates may appear on the shipping quotes page.
Please also note that the shipping rates for many items we sell are weight-based. The weight of any such item can be found on its detail page. To reflect the policies of the shipping companies we use, all weights will be rounded up to the next full pound.
Returns Policy
Learn More.
Returns Policy
All exchanges and returns except earrings, body Jewellery, and personalized Jewellery that is done within ten days of delivery will be accepted. There is no refund of shipping fees, and the return shipping costs are on the customers. Be aware that there is no refund of the shipping costs, including the seven percent restocking fee. Please also note Only regular priced items may be refunded, unfortunately sale items cannot be refunded. WHAT YOU CANNOT RETURN Not all items can be returned, the lists of items that cannot be returned include: Items that have been unboxed and worn by the customer. Items that have been either used, misused, or washed. Items without the package it was enclosed in, this includes a certificate of authenticity and gift boxes. Customized items, items that have been altered as requested by the customers, have been engraved or resized by a jeweler. Items that have been in possession and custody of the customer for more than thirty days since the day of delivery. There is always a full investigation for items that have not been delivered before a refund can be made. It takes twenty-one days for domestic orders and thirty-one days for international orders before a return of undelivered items can be made. Items sold in pieces are not refundable. Only regular priced items may be refunded, unfortunately sale items cannot be refunded.
Covid-19 Shipping Delay Notice
ALERT: DUE TO LIMITED TRANSPORTATION AVAILABILITY AS A RESULT OF NATIONWIDE COVID-19 IMPACTS, PACKAGE DELIVERY TIMES MAY BE EXTENDED With additional safety precautions around COVID-19 we are fulfilling all orders in a timely manner with 95% of our orders arriving on time. Some deliveries may be delayed and we appreciate your patience during this time. We are so sorry that shipping delays have been inevitable during the epidemic. Due to the suspension of most international airlines and the long customs clearance process, the delivery time of your package will be much longer than expected. Under the influence of the coronavirus, the airline industry has been hit hard. Most airlines announced that they would drastically reduce the flights and air cargo capacity. Over 90% of international flights have been or will be suspended. Affected by local quarantine and customs clearance policies, the customs in most countries cannot process the clearance in time because of the limited manpower. Customs clearance is inefficient, and goods are stranded at the customs for much longer time than expected
Metals Type: Gold Plated
Metals Type: Other
Style: TRENDY
Fine or Fashion: Fashion
Model Number: 18K
Item Type: Earrings
Earring Type: Drop Earrings
Shape\pattern: Geometric
Material: High Quality AAA+ Cubic Zirconia Diamonds
Gender: Women
AAA+ Cubic Zirconia Diamonds
Like in diamonds, cut, quality, and color affect the grade of Cubic Zirconias.
An AAA+-rated CZ stone will surpass a lower grade piece in symmetry, luster, and shine.
The AAA+ rating is the most popular grade for high-quality fashion jewelry.
AAA+ - "AAA+" grade is assigned to a gemstone that is considered to "being near perfect." Gemstone grading is assigned by letter. AAA+ is the highest grade while D is the lowest.
Though these stones do show some variation in colour, they are clean, well cut and polished. AAA+ grade Cubic Zirconia are usually more expensive, higher quality, and near-perfect.
These diamonds are not usually color-enhanced and most of them are faceted cut.
Our products are made available at the best prices – but patience has its rewards. It isn't easy to get the most affordable prices in online stores. We can offer the best prices because we deal with suppliers directly. Their prices on different e-commerce stores in their country are one of the best. You are then able to secure a good deal at an affordable price. Your patience will be rewarded with the best and affordable price. It takes some popular brands, Hot items, Handmade items, Items on Sale with a large number of customers about two to three weeks to ship their items. It can also be affected by the item's stock status. Jewellery is one of the most expensive items to ship, but we have included all the costs for shipping in our prices; you expect no shocking discoveries. SHIPPING PROCEDURE: Total Delivery Time = Processing Time + Shipping Time After the receiving of your order, we conduct Quality Control checks and testing in order to ensure the product's quality prior to shipment. All orders that are shipped using Standard Int' l Shipping are dispatched directly to your resident country. The delivery is made by the local Post Office or any specified dispatch delivery services. It can take nine to eighteen business days for delivery. Variations in delivery time could occur; as a result of delays by International custom clearance activities. Shipping times are based on business days and they do not include weekends and holidays Affected by local quarantine and customs clearance policies, the customs in most countries cannot process the clearance in time because of the limited manpower. Customs clearance is inefficient, and goods are stranded at the customs for much longer time than expected. You must be aware that the time taken to process your order is not included in the shipping time. The total time it will take for your order to be delivered includes both the processing time and the shipping time. Before we can ship your order, our suppliers have to prepare your products, do strict quality-control tests and carefully package items. The duration of preparing your items for shipping and the delivery time is the total time to receive your order. Public holidays could also cause a variation in shipping dates because there are limited operations of both manufacturers and deliverer. We are making efforts to improve and deal with the issue, but please don't assume that it is our fault. Normal service resumes immediately after each holiday. Please note, whilst we endeavour to deliver orders within the stated delivery times, delays caused may be beyond our control and due to our individual delivery services. ALERT: DUE TO LIMITED TRANSPORTATION AVAILABILITY AS A RESULT OF NATIONWIDE COVID-19 IMPACTS WHERE OUR FACTORIES/SUPPLIERS LOCATED, PACKAGE DELIVERY TIMES MAY BE EXTENDED
Customer Reviews
Let customers speak for us
Still hasn't arrived so I can't leave feed back on something I haven't yet received
Good service and quality of jewellery
Easy order and delivery on time.
I will use the Jewellery supermarket again!
Absolutely Amazing! Very beautiful cross. Very good quality.
the product looks just as described in the product description.
it looks great and I like it. kudos to the vendor.
The watch is of excellent quality and I love the mixed metal look!
Super! Awesome! Just like in the video, beautiful on the hand and fascinating with the movement of the dial👍🏻👍🏻👍🏻
Watch cute and lovely
great looking works well great price great seller fast sevrvice
nice product, Im satisfied
Top product!
very nice and beautiful
I recommend the store fast shipping goods well secured super quality as for the money.
Shipping planks watches worth the price really worth it
very nice and beautiful


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You may also like.
- Featuring a versatile plain design, in a range of vibrant colours.
- This floor cushion features a carry handle making it easy to move around your outdoor space.
- Made of water resistant polyester, this outdoor floor cushion is designed to withstand showers and spills.
- Designed, printed and made in the UK.
|Height (cm)
|Width (cm)
|Line dry
|Do Not Iron
|Material composition
|100% Polyester
|Spot Clean
|UV Resistant?
|Shower Resistant?
|Outdoor Use?
Not sure which one is right for you?
Take a look at our handy guide section to help you decide.
Or read our:
Cushion cover + inner pads sizing guide
Still stuck? Ring our customer service team on 0113 543 1381.
We're proud to say we dispatch all orders within a maximum of 2 working days.
Sadly we only currently ship to UK Mainland, at the following rates:
EVRi 48 (Tracked)
2-3 working days
£2.95 orders below £50
FREE on orders £50+
DPD Premium
1-2 working days
£2.49 orders below £100
FREE on orders £100+
Please visit our shipping policy for more information.
Returns are super easy, and super automated. We use the popular Collect+ service. Visit our dedicated returns page for more information, or to start your return. Please note that oversized items (e.g. large furniture) cannot be returned through the automated network, so please contact us to arrange this.