text:
Italian Premier Matteo Renzi on Wednesday offered relief to workers and businesses alike in an ambitious package of economic reforms that he said would lay the groundwork for bigger structural changes to come.
Renzi's government approved a raft of new decrees, including 10 billion euros ($14 billion) in payroll taxes aimed at helping Italy's working class. The measure would put 1,000 euros a year back into the pockets of 10 million Italians who take home 1,500 euros or less a month, Renzi said.
For businesses, Renzi outlined tax cuts and reductions in energy costs.
The money would come from spending cuts, not raising taxes, the premier said, adding that Italy has enough jockeying room to stay within the EU budget deficit limits. Renzi has sought to profile himself against previous governments that sought to boost Italy out of economic doldrums through austerity measures.
"There has never been a reform course so meaty and significant," Renzi told a news conference in Rome.
He stopped short of promising a "new Italy," but said the country would be "lighter and more capable of taking on structural reforms'" by July 1, when Italy takes over the rotating EU presidency.
He also announced money to fix decaying school buildings, to create jobs for young people and plans to raise the tax on investment earnings from 20 percent to 26 percent, and to free up money to pay off the public administration's 90 billion euros in private sector arrears by the end of July.
Renzi was jocular during his hour-long presentation, which was accompanied by a colorful slideshow that immediately took on a life of its own on social media, with users poking fun at the graphics of grocery carts and goldfish in a glass bowl.
Renzi won his first major parliamentary battle earlier in the day, when the lower house passed a controversial new electoral law that aims to create political stability by producing a clear winner. The measure heads to the Senate, which Renzi has vowed to abolish.


text:
- Abu Dhabi Grand Prix - Mercedes
Hamilton says car failure caused spin
Lewis Hamilton believes something broke on his Mercedes which caused him to spin during qualifying for the Abu Dhabi Grand Prix.
Having been improving on his final run in Q3, Hamilton spun coming out of Turn 13 with it appearing to be caused by him running wide on to the kerbs. However, speaking immediately after the session Hamilton said there was a strange feeling with his car and that he's certain something has broken as he couldn't return to the pits.
"For some reason something gave way on the right hand side of the car," Hamilton said. "I was going through the chicane, I got on the power and all of a sudden it just snapped out. Then I tried to pull away and it wouldn't move, so something's busted."
Hamilton admitted the problem was a big blow to his hopes of a strong race in Abu Dhabi but was glad he can still start the race from fourth place.
"This is a very difficult circuit to overtake - being at the front means everything here - but hopefully we can get a good start like we did in Japan or something like that and maybe then we can still challenge for positions. I'm just grateful that at least I didn't drop down too far."
Mercedes later confirmed via Twitter that the spin was caused by a part failing on the car.
We can now confirm that a right-rear wishbone failed on Lewis' car. We hope to repair the damage under parc ferme.— MERCEDES AMG F1 (@MercedesAMGF1) November 2, 2013

subset: commoncrawl


text:
Sales Have Ended
Sales Have Ended
We are Chatterbox
The language learning service created and delivered by refugees.
Whether you are a complete beginner, or more advanced Arabic learner, you can share a glass of shay, baklava, and stories with our tutors who will be on hand to help you find the right words.
Chatterbox tutors are professionals from a range of backgrounds, including teaching, business, and medicine. Since becoming refugees and arriving in the UK, they have been training with Chatterbox to rebuild their careers.
Our trained conversation practice tutors will guide you towards the ultimate goal in language learning -communicating across cultures with real people in the real world.
Choose between online and in-person sessions to simulatneously develop your language skills and support refugee integration wherever you are.
Once you have made your booking, we will be in touch.
Contact us on email@example.com with any questions.
Find out more at www.wearechatterbox.com


text:
North Korea has threatened to launch an atomic weapons strike on the United States.
Here, I'm referencing a USA Today article which can be found at USA Today, March 10, which describes North Korea's threat to launch a nuclear attack on the United States. If I were president, I might consider just the threat itself AN ACT OF WAR, and launch a preemptive strike on Pyongyang. Would you?
An official statement by a government needs to be taken seriously. An atomic bomb, detonated within the boundaries of a large American city, such as Los Angeles or San Francisco, would kill millions and badly disrupt the entire economy of our country. While North Korea probably can't make a warhead that would fit into one of their missiles, and there's a good chance the missile might not be reliable enough to hit an American city, it's still possible they could. We might shoot down such a missile, or not. Should we take the risk?
North Korea's new dictator, Kim Jong Un, is very young and appears to be a dingbat. Like a certain current American president, he's probably unqualified for the job. He may actually be less qualified. However, I think his threats are therefore more believable. He might really mean to attack South Korea or the United States.
According to USA Today, North Korea's blustering is in response to joint South Korea and U.S. military exercises, which they hold every year. They have cancelled the armistice between North Korea and South Korea, which has been in effect since 1953. But, some analysts think the threatening talk is really for the benefit of North Korea's people, to keep them in a state of hysteria.
Taking all the above in consideration, I still believe that North Korea has taken an action, by issuing the threat to attack the United States with atomic weapons, that should not be ignored. Even if we don't think much of their missiles, there are other ways they could attack us. They could slip a bomb in on a freighter, for example. They could attack South Korea, which we are pledged to defend. I would strike North Korea – not with an atomic weapon, because the North Korean people aren't to blame, but I would hit every military installation I could find with whatever conventional weapons I could put over their country. In other words, I'd call their bluff.
Or rather, if I were president, I'd call in my advisors. They would point out the risk of starting a dangerous war, no matter how justified, and probably talk me out of it. They might tell me either use an atomic weapon on Pyongyang, or don't do anything. I'd probably end up by just imposing sanctions. Stopping the flow of Hershey bars to North Korea might be the end result. That's about the kind of thing we do now to prevent wars.
We have a similar situation with Iran and Mamoud Achoomadinejad (spelling?) who also makes crazy and irrational threats. We respond by imposing sanctions. This has been going on for many years, and the situation just gets worse – they are very close to developing long range missiles, with warheads that work and can hit anywhere in Europe. When they have them, we should have lots more threats to worry about.
One of these days, we should learn to take crazy dictators seriously.


text:
Õigus- ja tarbijaküsimuste peadirektoraat
Eurobarometer 2012 on perceptions of discrimination in the EU
The survey looks into attitudes and perceptions of Europeans towards discrimination, based on different grounds (gender, ethnic origin, religion or beliefs, age, disability, sexual...
PDF (1192 kuvad) (158 Allalaadimised)
Consumer Markets Scoreboard (Consumer Market Monitoring Survey)
The Consumer Markets Scoreboard tracks the performance of over 50 consumer markets using indicators such as comparability of offers, trust in retailers, problems, complaints,...
CSV PDF (813 kuvad) (236 Allalaadimised)
Kuva andmehulk: Market Monitoring Survey 2010 to 2015 Qlikview application
Legal professions
Information on the organisation of legal professions at EU and national level. Within the different legal and judicial systems of the Member States of the European Union (EU), there is a...
HTML (468 kuvad) (190 Allalaadimised)
Rapex (Rapid Alert System – Non-Food)
European legislation ensures a consistent, high level of protection for the health and safety of consumers. Products placed on the market in the internal market are subject to general...
PDF HTML (973 kuvad) (267 Allalaadimised)
EU Member States legal systems and law - overview
Each Member State of the European Union (EU) has its own law and legal system. Member State (MS) law can comprise both law at the national level (or national law, which is valid anywhere...
HTML (175 kuvad) (1270 Allalaadimised)
Identifying the main cross-border obstacles to the Digital Single Market and where they matter most: DSM consumer survey (2015)
The survey was based on data collected within the scope of a wider investigation that feeds into one of the Commission's top priorities: to create a borderless Digital Single Market (DSM)...
Excel PDF (431 kuvad) (139 Allalaadimised)
Consumer Conditions Scoreboard (surveys of consumers and retailers)
The Consumer Conditions Scoreboard monitors Member States' consumer conditions and the integration of the single market from the consumer perspective. The main data sources of the...
CSV PDF (680 kuvad) (128 Allalaadimised)
Kuva andmehulk: Surveys of consumers' and retailers' attitudes towards cross-border trade and consumer protection 2008 to 2016 Qlikview application
European Court Database (CDB) Application Programming Interface (API)
The European Court Database (CDB) system is publicly available since November 2015. It provides an easy way for users to determine the correct (i.e., competent) court for a number of...
PDF (328 kuvad) (113 Allalaadimised)
Information on legal rules concerning maintenance claims
If you wish to claim maintenance, for example by asking for a monthly payment for child support from a parent not living with the child, EU law allows you to use the courts of your home...
HTML (374 kuvad) (1684 Allalaadimised)
Information on Member States Law
Each Member State of the European Union (EU) has its own law and legal system. Member State (MS) law can comprise both law at the national level (or national law, which is valid anywhere...
HTML (257 kuvad) (4310 Allalaadimised)
European Case Law Identifier (ECLI)
The European Case Law Identifier (ECLI) has been developed to facilitate the correct and unequivocal citation of judgments from European and national courts. A set of uniform metadata...
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Small claims procedure at the EU and Member States' level
The European Small Claims procedure is designed to simplify and speed up cross-border claims of up to €2000. The European Small Claims Procedure is available to litigants as an...
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Cross-border family mediation
Mediation can be particularly helpful in cross-border family disputes and parental child abduction cases. The term 'family matters' covers a broad range of disputes, from purely private...
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Mediation in Member States
Mediation is at varying stages of development in Member States. There are some Member States with comprehensive legislation or procedural rules on mediation. In others, legislative bodies...
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Member State case law
The courts of the Member States of the European Union (EU) apply and interpret the law of the relevant Member States as well as EU law. Therefore, it is in the interest of citizens and...
HTML (124 kuvad) (1248 Allalaadimised)
Procedural time limits – general information
When you are involved in a civil dispute and think you may have to litigate, you must be aware that there is certain deadline for taking action. All modern legal systems including those...
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Information on legal rules concerning divorce
When a married couple decide to separate permanently, one of the spouses, or both together, will generally institute divorce proceedings.
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Judicial systems in Member States
The Member State judicial systems are very diverse, reflecting differences in national judicial traditions. Below you will find general information on judicial systems in Member States –...
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Information on judicial systems in Member States – ordinary courts
Ordinary courts are the core of the judicial systems in the Member States. They deal with a major part of judicial proceedings. Their scope of jurisdiction varies considerably. You can...
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Rights of defendants in criminal proceedings
If you are suspected or accused of a criminal offence, these factsheets take you through the criminal process and the various steps involved. They explain your rights and obligations at...
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text:
Visits, Admit Days, and Open Houses / Re: 2008 Rankings T100, T3, T4« on: March 30, 2007, 08:19:30 PM »
It seems as though people are a bit concerned about BYU. Not sure if it is just an opportunity to knock a religion that has its peculiar parts or if it is really a big deal. Regardless, here is a little info on the subject. Last year BYU's admisssions made a very calculated decision to try to raise their LSAT 25/75. In their efforts they obtained nearly an exact number as the year before. The failure to raise their LSAT numbers wouldn't have been so bad if they hadn't sacrificed their 25/75 for GPA in their attempt, dropping from a 3.73 median to a 3.64 median. In addition, rather than fill last years class in its entirety they decided to let it stand with 3 vacancies rather than take an additional 3 students off the waitlist that they didn't feel were qualified. In addition, four of their notable professors took leave last year to teach at other universities as visiting professors. Their student teacher ratio went down from about 17/1 to 21/1. All of those dropped their index in relation to #1 Yale (The standard to which every school is compared with by USA Today) In reality those mistakes are easily recoverable even though some seem to prefer gloating in BYU's demise. The fact of the matter is that they do have an incredible library (one of the tops in the nation) and a bottomless pit of financial backing in the form of the Mormon Empire (Worth Billions). To further explain, anyone who knows a mormon knows that they band together. The JRCLS (J. Rueben Clark Law Society) is not limited to alumni only. Any practicing Mormon attorney can be a part, and there are quite a few mormon attorney's out there. This allows a vast network available to BYU grads that doesn't always exist in the same fashion as other schools. This combined with an over-aggressive career placement service makes them a real sleeper when it comes to job placement. So for those who were wondering, this is why BYU is ranked where it has been in the past and most likely will go up again seeing that their mistakes are easily recoverable in regards to their index rating used by USA Today. I write this simply as an informative post. I am not selling or defending just explaining.


text:
SMILA/Documentation/HowTo/How to setup SMILA in a cluster
SMILA is primarily thought of as a framework where you can plug in your own or third-party high-performant/high-scalable components (e.g. for data storage). Nevertheless, it is also possible to set up SMILA out-of-the-box on a cluster by using its default implementations. This permits horizontal scaling having the effect that importing and processing jobs/tasks will be shared across the cluster nodes. (Remark: We also have a vertical scaling on each cluster machine, but this is not new, because you also have this with a single-node SMILA.)
The following steps describe how to set up SMILA on multiple cluster nodes.
Install external Solr server
If you want to use Solr for indexing, you need to set up a separate Solr server, because the Solr instances embedded in SMILA cannot be shared with the other SMILA instances.
Single node server
- Download a Solr 3.x archive from http://lucene.apache.org/solr/. This HowTo was tested with Solr v. 3.6.1.
- Unpack the archive to a local directory; you will get a directory like /home/smila/solr/apache-solr-3.6.1.
- Copy the files from SMILA/configuration/org.eclipse.smila.solr to the Solr machine (solr.properties isn't needed here), e.g. to /home/smila/solr/smila-cores.
- Go to /home/smila/solr/apache-solr-3.6.1/example and run:
java -Dsolr.solr.home=/home/smila/solr/smila-cores -jar start.jar
- Check if Solr is running at http://localhost:8983/solr/DefaultCore/admin/ (replace localhost with the name of your Solr server, if necessary).
Distributed server
For larger data volumes you will need to set up Solr in a distributed way, too. However, using a distributed Solr setup is not yet fully supported by the SMILA integration (especially during indexing).
Configuring SMILA on cluster nodes
On each cluster node, you have to do the following SMILA configuration changes.
Cluster configuration
You have to define which nodes belong to the cluster.Configuration file:
Enter new section "clusterNodes" stating the host names of the individual cluster nodes:
{ "clusterNodes": ["PC-1", "PC-2", "PC-3"], "taskmanager":{ ... }
Objectstore configuration
You have to define a shared data directory for all nodes ("shared" means that the selected directory must be accessbile from every machine in your cluster under the same path).Configuration file:
(Directory/File will not exist in older SMILA versions - just create it).
Set a root path to the shared directory:
root.path=/data/smila/shared ...
Solr configuration
You have to point to the Solr server that we installed above.Configuration file:
solr.embedded=false ... solr.serverUrl=http://<SOLR-HOST>:8983/solr
Jetty configuration
To monitor the cluster node, you have to make the SMILA HTTP server accessible from external.File:
... -Djetty.host=0.0.0.0 ...
See also Enabling Remote Access to SMILA
You can use the REST API to monitor SMILA cluster activities.
After having started SMILA, accessing http://<CLUSTER-NODE>:8080/smila should return the configured cluster nodes in the response (SMILA 1.2):
... cluster: { nodes: [ "PC-1", "PC-2", "PC-3" ] } ...
Running jobs
After having started a job run, you can check the number of tasks that are currently being processed on each node in ZooKeeper's state at http://<CLUSTER-NODE>:8080/zookeeper/smila/taskmanager/hosts/.
There, you should see a list of cluster nodes and the following output for each of them: (The given sample output means that 6 tasks are currently being processed on the given cluster node.)
stat: ... data: "6"
You can also count the
inprogress tasks under http://<CLUSTER-NODE>:8080/smila/tasks, which is the number of tasks currently processed in the whole cluster. This number can be compared with the
maxScaleUp setting for a worker in the
clusterconfig.json which is the max. number of tasks allowed to be processed on one node. (see also Taskmanager REST API).
Some useful commands
Removing all documents from a Solr core (Unix-shell command):
curl http://localhost:8983/solr/DefaultCore/update?commit=true -H "Content-Type: text/xml" --data-binary '<delete><query>*:*</query></delete>'
Optimizing the Solr index (Unix-shell command):
curl http://localhost:8983/solr/DefaultCore/update?commit=true -H "Content-Type: text/xml" --data-binary '<optimize/>'
Hint: When using Windows, replace all ' marks with ".


text:
Uploaded by
UploadedFeb 1, 2014
Size372.48 KB
Supported Game Versions
- 5.4.2
tag v1.1
LaoTseu <firstname.lastname@example.com>
2014-02-01 09:04:00 -0500
Tagging as v1.1
- Trying to get v1.1-Beta-2 out.
- Added missing specialize engineering armors.
- TOC bump to 50400
- Added Wisdom of the Four Winds to the riding skills
- The PetID are not longer a good solution to detect if racial pets have been learned. Using the Pet Species ID instead.
- TOC bump
- TOC bump
- New implied skills for ring enchants and spellthread
- Tweak to Pandarian Cooking recipes filter. Added missing Golden Carp Consomme to the Pandarian recipes.
- Battle Pet filter for all the race specific Battle Pets offered by the trainers. The Battle Pet related skills are now shared between all classes just like the riding skills.
- Hack a filter for the Orange Tabby Cat so that it doesn't show if there is already a copy of it in the Pet Journal.
- Fix fishing prof. Add implied skill learning for Embroideries and Battle Pet.
- TOC bump to 50100
- Touch without change, trying to kick the packager into action.
- Ticket #39 - Trying to fix the deformat code for the ERR_SKILL_UP_SI string so it works with the German client.
- Add an option to filter out the Pandirian cooking that can only be learned if you have access to Chin in Dawn's Blossom or Sungshin Ironpaw in Hslfhill. The option is ignored if the toon is higher then level 85.
- Taking care of an extra edge case for the ConvertData issue.
- Fix CovertData issue reported by thomasd (thanks for the report)
- The Fishing skills have change ID (or I was on drugs before). Conversion code to erase the Fishing skills with the wrong ID in the user SaveVariables file. Remove pre-Mists data conversion code.
- Bug fix.
- Hack for the Cooking Specialty professions (Way of the ...).
- Bad spell_id for Zen Master Fishing.
- Remove debugging trace
- Bug fix: spells listed in the spellbook were marked as known even if they were not known yet.
- Fix for ticket 37 - Powerheal 4000 Lens is a priest item
- Fix spellbook scanning. Fix fishing detection. The database should clear now when Syllabus detects version 5.0.4.
- TOC Bump to 50001. Detect patch 5.0.4 for database reset. Detect Mists of Pandaria for the new profession levels.
- Build 16004 has GetSpellBookItemInfo() throw an error when the id is to big instead of returning nil as it used to. A workaround was needed. Also added new implied skills for Mists. Should still work with live.
- Justicebringer 2000 Specs are only available for Paladin
- CleanCummonClassSpells() transfer from the inactive Database.lua to Syllabus.lua Monks wear Leather.


text:
An influential union representing City Hall workers failed to reach a consensus Tuesday evening on whether and whom to endorse in Los Angeles' mayoral campaign, labor officials said.
Members of six locals of the Service Employees International Union questioned City Controller Wendy Greuel and City Councilman Eric Garcetti, two top contenders in the race, for at least half an hour. Neither was recommended for an endorsement, even though Greuel was ranked higher on a scoring sheet prepared by union officials.
The rating was prepared in December and ranked Greuel 4.3 out of 5 on issues important to the union. Garcetti was rated a 3.5, and consistently was graded lower on issues such as furloughs — the unpaid days imposed on civilian city workers — and on retirement benefits, according to the document, a copy of which was obtained by The Times.
Favel Jens, political coordinator for SEIU Local 721, which represents 10,000 city workers, said the scoring sheet was prepared by the political directors of six SEIU locals in December, after the candidates responded to written questionnaires.


text:
UltraVNC 1.0.5
Downloads: 955263
File size: 2.15MB
Requirements: Windows 2000 / XP / 2003 / Vista / Windows7 / XP64
License: Open Source
UltraVNC 1.0.5 Change Log
** v1.0.5 Release
(v1.0.4 was never released. We switched directly to v1.0.5)
* Update 23 aug
- Driver+applications that change resolution (like pinpall in fullscreen)
- vnclog : In some cases the standard path wasn't writable, now path can be set
* Update 13 aug
- FT crash when clipboard is used during transfer fix
- Admin properties and domain user fix
- Inputlock input fix
* Update 3 aug
- Exceptions thrown with no message cause access violations when Report called.
- All message boxes are now properly parented to the viewer window so that they
are modal.
- Socket timeouts are now used during file transfer so that connections lost
while connected to a repeater are detected
- A small keepalive message is sent every 5 seconds after receiving a file chunk
to keep the server or viewer from timing out during a read.
- The prompt for exit is now respects the m_fExitCheck setting if the 'x' in the
full screen titlebar is clicked
- Another big change to the file transfer module is that a temporary file is used
to hold the file being transferred. When it is successfully completes, it is
moved to the original file name -- resume still works too. This was because
when a file transfer is interrupted, a user (ie, service tech) can't tell
if the file is complete.
- The close button on the file transfer dialog is now enabled and disabled during
file transfers. You can't close the window with the 'x' during a transfer,
but you can otherwise
- Many variables are now properly initialized.
- The black layered window is now brought to the top every 20ms -- the start menu
is still visible on the remote system so this change makes it go away faster.
- You can now register the service with a custom name.
- Simplified Copy_to_temp and copy_to_secure_from_temp
- When the network connection is lost, a message is shown "Connection lost due to
communication failure" instead of "writeexact: socket error while writing"
- socket read/write errors now break the while (connected) loop in vncclient.cpp
- Simplified file handle cleanup
- FT crash fix, lock screeen while transfer
- quickoption fix: Was not saved correct
* Update 10July
- Repeater: found bug that required server to be connected first.
Now you can connect server or viewer first
- Viewer: option are now correct loaded.
The problem was the the presets didn't have "manual set", this cause the presets
always to be loaded on top of manual settings.
- Server now take as commandline
- Autoreconnect -id:???
- Single repeater connection server had a possible error ( reconnect couldn't
happen if shutdown by service is requested)
* Update 26 june 2008
- View Only, comment text: Alt+Ctrl+F3
- Ctrl+Shift+Esc open Task Manager on winvnc application and service
- Ctrl+Alt+F4 send Ctrl+Shift+Esc if winvnc run as application
- Dead keys \' ^`"´ and € + winkey shortcuts (Windows Logo Key)
- Scroll Lock ON, winkey + shortcuts sent to remote
- Scroll Lock OFF, winkey + shortcuts are local (default)
- 8bit (switching codec+colors) vncviewer crash, fixed.
- Auto scaling remote screen improved to fit to local screen
- winvnc with mirror driver 1.22 active only when viewer connected, fixed
- ExitCheck (default=false vncviewer config file)(pgmoney)
* Update 16 june 2008
- vncviewer, View Only (check box) and title bar
- vncviewer, command line encoding, added zrle and zywrle
- vncviewer auto scaling big screen of remote server to small video screen
local viewer.
- vista, uvnc_service already installed as service (winvnc)
- Start service (need to be previously installed) (Jeff for w2k fix)


text:
A few more busy weeks and I am finally up-to-date with my posting! I can't believe that there are only 26 days left until this project is finished!!! Where did the year go?
Katie Pertiet
365 Layered Template
Naturally Krafty No 3 (Two different colors faded together)
Pattie Knox
Absolutely Acrylic
Ali Edwards
Days and Months Hand Drawn Brushes
Anna Aspnes
Stitched by Anna No. 1
Esat Hoxha NRML
TFL!! --Lisa


text:
As we anticipate the arrival of Christmas 2013 in just a few days, we have an opportunity to pause a few minutes and reflect on our Christmases past.
There are memories attached to every Christmas past, some truly wonderful, some not so good. But they are what brought us to this day.
Now this is not my original idea, I must tell you. It came to me a few nights ago as I sat reading Patricia Cornwell�s new novel, �Dust.� The television was playing quietly across the room with no attention from me. That is until I heard that fellow on the cable news show start talking about Christmas memories.
I put Scarpetta and Marino and the other characters in the book aside and listened to what he had to say.
He talked of the importance of saving our Christmas memories not only for ourselves in years to come but for our families, now and in the future. All of us hold memories that will be lost unless we make an effort to save them, he said. So he said get a pen and a notebook, and begin listing your memories.
�A good idea� I said to myself.
So today I share some of my memories in the hope that it will inspire you to get that notebook and pencil and start writing. But let me warn you, some of mine may not be traditional memories that you might expect.
The very first one I have and one of my earliest memories of anything happened when we lived on North Avenue just down the street from the gate to Burlington Mills, where my dad worked. We had been to his parents� home in Salisbury for Christmas and came home to find cold weather had caused a pipe to burst in the kitchen. The linoleum on the floor was raised a good three inches by a solid floor of ice.
I told you I would not be traditional.
Another year we made that same Christmas trip to Salisbury and were buried in a heavy snowfall there. We had to leave our car and ride the train home, going back at Easter to retrieve it.
All of the kids there in our neighborhood had parents who worked at the mill, and we all looked forward to the annual Christmas party at the mill. Every kid under 12 years received a big shopping bag of �treats� � little toys, candy and such � from the mill. That was a big deal for us, and in reality, these were the only gifts some of those kids received each year.
And there were those Christmas trips to my grandfather�s farm north of town to get our Christmas tree. I would go with my dad out to the pasture and pick our tree from the line of cedars that stretched along the fence.
All the tree lots of today were still far in the future, not that my dad would have bought one anyway.
Those Salisbury trips held many memories, and one of them was the music. My family was a family of musicians. My grandfather, my dad, my two uncles all were singers of very good caliber. And Christmas brought them all around the piano � my cousin Betty played � and it was a special time. One I miss very much.
Then there was the year when we were living on South Church Street with our two cats. We put our tree in the corner of the living room and decorated it with beautiful balls and tinsel. The cats loved batting the balls at the bottom of the tree, but one of them had higher dreams. One day he could stand it no longer and began climbing up the middle of the tree.
And down it came � tree, balls, tinsel and all.
But it went back up, with the cats exiled to the back of the house for the duration.
As I said, all the memories may not be good, as was our case with Christmas 1975. My father had been told only a couple of weeks before that he had terminal lung cancer and would not likely be around for more than six months. That placed a dark shadow over the holiday that year, but we tried to make it as happy as possible for him. On July 4, 1976, he was gone.
And there is one memory of Christmas related to my work that will be with me as long as anything remains in my mind.
It was the morning of Christmas Eve, I think in the late 1950s. We were living on Church Street then, and I was covering local news � police and fire among other things.
The telephone called me from sleep, and it was a fireman at the downtown station. He told me there had been a very bad fire on Piedmont Way and that I should go take a look before I wrote the story. So I went off in the dark of night and found that fire. I also found a mother and three small children. The children were dead in their beds, the mother on the floor of their room as she tried to get to them.
Their decorated tree stood unharmed in the living room.
It is a memory, a part of my Christmases past that I wish had never happened.
I could list many more things from my Christmases past. But now it is your turn. Get your notebook and pen and go to work � this year and every year to come.
Merry Christmas, one and all!
Don Bolden is editor emeritus of the Times-News. His column appears every Sunday. He can be contacted at firstname.lastname@example.com.


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by Genevieve Martineau
Participants who attended the 2010 Gathering of the International Society of Glass Beadmakers were treated to pre- and post-show classes, a vendor area, an open torch, the bead bazaar, and many interesting presenters and demos. A day trip to the Corning Museum of Glass and the Bead Shop Tour also proved to be highlights of the conference.
This article was originally published on page 48 of the Winter 2010 issue of Profitable Glass Quarterly.


text:
New Website
for the Catalog of Federal Domestic Assistance
DC - Looking for federal grants or loans for flood control, food
and nutrition programs, education and training, or small business
development? How about help for community development programs,
childcare, or mental health research?
The U.S. General Services Administration's Office of Governmentwide
Policy has made it easier to access the most recent and accurate
information on Federal assistance programs with its new world wide
web version of the Catalog of Federal Domestic Assistance
at http://www.cfda.gov.
The website contains information from the 1999 Update to the
Catalog of Federal Domestic Assistance published in December
The Catalog of Federal Domestic Assistance website also features
a guide to writing grant proposals, a list of Federal agencies providing
assistance programs with links to agency web sites, and an introduction
to the Catalog and types of assistance available from the Federal
The Catalog's database contains information submitted by 57 Federal
departments and agencies on over 1,400 Federal programs. These programs
include grants, loans, loan guarantees, scholarships, mortgage loans,
insurance, and other forms of assistance, both financial and non-financial.
For additional information about the new website, contact Bill Erwin
at (202) 40l-8944.
Monday February
7, 2000


text:
Artist's description:
Hiding In Plain Sight
They know I am here, they just don't care. I speak, but it is like they are deaf. I am a decoration or a piece of furniture. Place me in the center of the room and gawk at how beautiful it is. Then on to another room, another face, hidden in plain sight.
Words and Art by Rich Ray
Description Of Artist Process
Emotional Process
With each piece of artwork I create there are several emotions present. I look at the face or figure to determine if there is a story to be told. Inevitably, there always is. I am drawn to that person in an instinctual way.
Since I don't know them personally, my process starts to expose their hidden dimensions. The soul behind the beauty. Each layer of texture adds depth to that person. Whether it is an acrylic painting, ink painting, or nature photography, all art of which I create separately.
I have seen so many emotions surface that were not there in the original photo. Sometimes fear is exposed or joy, ecstasy or sorrow. We are all human. It matters not what our outward appearance is. The soul is always striving to reveal itself just under the surface.
My hope is other people view my art as a vehicle for emotions to roam freely. The vulnerability of the person in the artwork allows us to be vulnerable. I am aware that others vulnerability is a teacher. I respect it, I cherish it and I admire it. What do you see and feel when you view the picture?
Technical Process
Each piece of art is crafted with layers of different textures and mediums. This process has been the focus of my work for the past three years. It involves acrylic painting, photography, inks, oil sticks and pastels.
The final art work is designed in a photo editor program. This technology gives me creative freedom to add in my abstract paintings and photography.
I am very fortunate to be full time artist. It is how I earn a living and help provide for my family. I have three teenage boys and a great wife.
Every time someone buys artwork from me I am truly grateful! I am honored to have my work in your home.
I made the decision to keep all my work exclusive to Art Finder. It is a great and fair company that supports both the customer and the artists!I try to keep my prices affordable for all. If you have any questions about price. Please ask and I will try and work with you.
Thank you for your support!
Rich Ray
Materials used:
I use these materials to create abstract work that is incorporated in photo editor to create the finished printed piece. Acrylics, Oils, Inks, Paint, Photos, Pastels, Pencils, Pens, 140 pound Cold Pressed Cotton Paper, Photography, Photo editor.
Hiding In Plain Sight (2016)
Photograph by Rich Ray Art
- Photograph
- From a limited edition of 150
- Size: 40 x 40 x 1.5 in (framed) / 40 x 40 x 1.5 in (unframed) / 40 x 40 in (actual image size)
- This artwork is sold framed
- Signed and numbered on the front
- Ready to hang
- Style: Abstract
- Subject: People and portraits
This artwork is sold by Richard Ray from United States


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Difference between revisions of "Heir"
(From the sounds of page 108, starting a new side is a thing for barbarian commanders. I'm removing the bit about heirs being able to found a side.)
(Corrected spelling error on "capitol")
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Does the "cost" of an heir depend on how big the [[Side]] is? or how big the
Does the "cost" of an heir depend on how big the [[Side]] is? or how big the [[City]] might be?
It may be the case that all Heirs must be [[Commander]]s; every Heir seen thus far was either popped as a Warlord-Heir, or was named Heir Designate while serving as a Warlord or Caster. (Stanley was promoted to Warlord, and ''then'' named [[Heir Designate]].) Naming an [[Heir Designate]] may require promoting the [[unit]] to Warlord first.
It may be the case that all Heirs must be [[Commander]]s; every Heir seen thus far was either popped as a Warlord-Heir, or was named Heir Designate while serving as a Warlord or Caster. (Stanley was promoted to Warlord, and ''then'' named [[Heir Designate]].) Naming an [[Heir Designate]] may require promoting the [[unit]] to Warlord first.
Revision as of 15:25, 6 May 2013
Proposed Canon
An Heir is a Unit that will become Ruler of their Side when the current Ruler croaks.
An Heir may be popped for the purpose, at great cost in production, or named from among existing units, at great cost in Shmuckers.
It is not uncommon for an Heir to also serve as Chief Warlord, but it is not necessary for one unit to serve both functions, and both titles can be redistributed by the Ruler.
Known Heirs
- Gobwin Knob
- Stanley - Former Heir Designate under King Saline IVErf-b1-p079; now Overlord
- Jetstone
- Prince Ansom - Former Heir to King Slately; Croaked & Decrypted
- Prince Ossomer - Possible Former Heir to King Slately after Ansom was croaked; Croaked, Decrypted, Turned, and finally Dusted
- Prince Tramennis - Former Heir Designate to King Slately; now King
- Transylvito
- Don King - Former Popped Heir to King County; now King of Transylvito
- Unknown Royal male - Former Popped Heir to Don King; Croaked
- Unknown Royal female - Former Popped Heir to Don King; Croaked
- Viscount Caesar Borgata - Noble Heir Designate to Don King
- Unknown Royal Heir, being popped.
- Faq
- Jillian Zamussels - Former Popped Heir to King Banhammer; now Queen Erf-b1-p082
- Unknown Royal Heir, being popped.
- Goodminton - Side destroyed
- Wanda Firebaugh - Former Heir Designate to Overlord Firebaugh. Became Overlord of Goodminton shortly before the side was destroyed. Currently Chief Croakamancer of Gobwin Knob.
Does the "cost" of an heir depend on how big the Side is? or how big the capital City might be?
It may be the case that all Heirs must be Commanders; every Heir seen thus far was either popped as a Warlord-Heir, or was named Heir Designate while serving as a Warlord or Caster. (Stanley was promoted to Warlord, and then named Heir Designate.) Naming an Heir Designate may require promoting the unit to Warlord first.
Ansom refers to Jillian as Princess when he finds out about Faq Erf-b1-p083. This seems to be a customary title for a Royal Heir.
It is unclear how Ansom became Heir - he may have been popped as an Heir, or merely popped as a Royal Warlord and later named Heir Designate.
It may be that Heirs, while capable of claiming sacked and razed Capitals, may not be able to claim neutral cities. No one has spoken of claiming Unaroyal and restarting that side. Of course, this might be due to other issues. Stanley has no Heirs to claim Unaroyal. And the RCC II, while they have heirs, may not feel that the limited benefits of gaining one new unmanned city outweigh the expense of seizing and fortifying it.
Since a Warlord in production may be popped as an Heir (at the cost of additional turns), and since there is a small chance of a Warlord in production instead popping as a Caster, then it is possible that a Warlord-Heir may instead pop as a Caster-Heir.
Multiple Heirs and Line of Succession
So far, two sides are known to have had multiple Royal progeny; Transylvito and Jetstone.
It is unclear if Transylvito's heirs existed concurrently or consecutively. Each was Heir for a time but later croaked. Don King then named non-Royal Warlord Caesar Borgata as Heir Designate. Later, with Borgata still serving as Heir (and Chief Warlord), Transylvito began popping a new Royal Heir.
In the case of Jetstone, it is known that three Princes (Ansom, Ossomer, and Tramennis) existed at the same time. It is clear that Ansom served Jetstone as Chief Warlord, was replaced by Ossomer after his croaking, who was replaced by Tramennis after his croaking. However, the line of succession as Heir is less clear. After the capture of Ossomer by Gobwin Knob, Parson comments that they "have [Jetstone's] heir," which could refer to either Ansom or Ossamer. After Ossamer was croaked and decrypted, Slately expends a great deal of effort and Schmuckers to name Trammenis Heir Designate, which means Trammenis did not become an Heir automatically. It is unclear if Ossamer was ever Heir, and if so, whether he inherited that position because he was popped as a "backup" Heir as part of a line of succession, or if he was named Heir Designate after Ansom was croaked and decrypted.
Slately does have thoughts on Transylvito not having a royal "line of succession," but this could be referring to Transylvito having no Royal Heir at all at the time, and thus it does not rule out the possibility that a side can have only one Heir at a time. That would mean, in the event of losing an Heir, a side must then spend a great deal of production to pop a new Heir, or spend a great deal of Schmuckers to name an Heir Designate, instead of taking either (or both) of those steps beforehand. Considering that an Heir would likely only die in a time- and money-consuming conflict, and that the primary function of an Heir is to preserve the side in the event of the Ruler croaking, this would make losing an Heir extremely problematic.
If a side can have multiple Heirs concurrently, and any Heir can claim a Capital site, it's possible that sides have Heirs not only for security, but as a threat to rivals. It lets a Side credibly threaten to destroy their Capital and start a new side. However, again assuming a side can have multiple concurrent Heirs, it may be the case that only the first in the line of succession may capture a Capital site.
Normally a Ruler can disband units immediately, with just a thought. However, Heirs can apparently "make a play for the throne". This may mean that an Heir cannot be disbanded like a normal unit, or simply that they must manipulate other Sides and Natural Allies (as Stanley may have) to gain the throne.
Banhammer and Faq
An Heir, if it escapes the destruction of its Side, becomes a Barbarian, as happened to Jillian. If it then recaptures its original Capital, the Side may be restored (as suggested by Ansom). King Banhammer popped an Heir in response to a prediction, but this would not change the Predictamancer's claim that his Kingdom will fall. With Jillian away at the time of the Fall of Faq, she was not present to commit a suicidal attack against overwhelming forces (as her demeanor would have demanded), and so she survived the event by not being present. This leaves her free to return later with adequate forces to recapture Faq and restore her Side. This may have been Banhammer's plan all along: knowing his daughter could not flee from an overwhelming force (where a philosopher Prince would have seen the wisdom of escape and so could have been kept close), she could not be kept near him in Faq. This demanded that Banhammer create friction between himself and his daughter, allowing him to send her away to do as she would willingly while ensuring her survival; whereas, had she known he was trying to protect her, she would have resisted.
Heirs may have some protection against being disbanded by the Ruler. Even though King Banhammer doesn't seem to like Jillian, he doesn't disband her. This could be due to Jillian misunderstanding his opinion of her, or perhaps, Natural Thinkamancy imparts something like parental love. It may also have been purely an expense issue, or possibly a moral one (just because he doesn't like her doesn't mean he should disband her.)
Popping an Heir
It is stated that popping a Royal Heir would take the total production of the City of Faq (when it was a level 4 City) for 60 Turns.Erf-b1.5-p037
Designating a Heir should take just as much worth or more but in actual money, instead of production time. The price to designate Prince Tramennis as Jetstone's heir during the Assault on Jetstone would be roughly 165,000 Shmuckers. (5K*28 archons=140K + 25K bonus, assuming Gobwin Knob had not lost or gained any archons in between the Battle for Gobwin Knob and the Battle of Expository Bridge.)
These may be the only means of acquiring an Heir. However, it is possible that a popped Warlord, which has a certain percentage chance of being Noble, or Royal, and/or a caster, also has a chance of being an Heir.
Puppet States
Heirs may claim sacked cities as their own. However, heirs also have inherent loyalty to the side that popped them. Therefore, it is possible that establishing an heir in a city may allow a side to create a puppet side, similar to what Transylvito did to Faq.


text:
Kathryn Dethier, chair of the Design Department and professor of Interior Design, recently wrote an article "rStore: Revitalizing Torresdale Avenue in Tacony" about her experiences redesigning storefronts for the Community Design Collaborative. The article has been posted on their blog.
Dethier volunteers at the Community Design Collaborative for projects in the summer and is also a guest critic. The Collaborative is a community design center that provides pro bono preliminary design services to nonprofit organizations in greater Philadelphia, offers unique volunteer opportunities for design professionals, and raises awareness about the importance of design in community revitalization.


text:
Are You an Earth Day Maptivist?
Maptivism = maps + activism. Interactive online maps are an excellent way to communicate and engage, often telling a story in a way that words can't. Maps can do anything from reporting emergencies, documenting event to instantly interpreting complex data. They can even find you the best coffee in town.
"Online mapping is only four or five years old, but it has become so integrated into our lives we often forget how new and innovative it is," writes Lisa Goldman on techpresident.com.
What story is Project AWARE's online Action Map telling you? We're hoping it provides a global picture of all the passionate divers taking action around the world and inspires others to join the movement. This Earth Day, 22nd April, make sure your actions and events for ocean protection surface on the Action Map. Or use the map to find an event near you and dive in.
Maps are after all, just a tool. Grassroots work involves getting out in the community, rallying support and for us ocean lovers, getting wet. For many AWARE leaders and event organizers, it's a way to turn up the volume on what we're doing for the ocean in local communities. It helps us connect the dots between what we do on the ground and amplify our work for something greater. It also helps us connect to others with the same passion, for the same cause.
This Earth Day, let's roll out our keyboards, strap on our fins and do both – online action mapping and real world activism. Happy Earth Day everyone!


text:
Qwasian : The Hardest working man Photoshop, THREE
Continuing from the previous gallery of art by Qwasian Phillips, and Team Brinkz here are 30 more pieces from that will complete this update to Quasian's work. Through all this experience, note that producing cover after cover, all the type is still readable and telegraphic. Some of the custom lettering is a bit more difficult, but hey -- it's really tough to put out this much work, while keeping it all fairly different and fresh. Hats off to Qwasian, and keep up the great work! March 22, 2014


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(BPT) – If you're a recent college graduate, chances are you left school with more than just a diploma. You're probably carrying debt, as well. You may already know how debt affects your future borrowing power, but it's important to also understand how credit impacts other areas of your financial life, as well – such as how easily you'll be able to rent an apartment when you leave home.
Average student loan debt for the class of 2011 was $26,600, according to the Project on Student Debt at the Institute for College Access & Success. You may also have credit card balances and an automobile loan that all affect your credit record. How you use credit and how much debt you carry will affect many aspects of your life, both financial and personal.
Here's what recent graduates should know about the impact of credit:
* Your credit score will likely affect your auto insurance rates. If you've been insured under your parents' policy, once you graduate and start your career, you'll need to get your own coverage. Credit scores are one of the factors auto insurance companies look at when deciding what your premium will be. Although a higher score is no guarantee of a lower premium, a low score may drive your premium up – or even prompt an insurer to deny you coverage.
* Landlords and rental companies will almost certainly want to review your credit before agreeing to rent a home to you. A history of on-time payments and smart credit use can make landlords view you as a good potential renter. Spotty payment history, a high debt load and questionable credit decisions may make you look less desirable. A poor credit history may mean a landlord asks for a larger security deposit from you – or may choose not to rent to you at all.
* When you initiate an account with a utility company such as electric or gas providers, the company will ask to review your credit. Blemishes on your credit report may prompt the utility to ask for a higher security deposit.
* Just like landlords and utility companies, cell phone providers may require a credit check – and a higher deposit if you have poor credit or little or no credit history.
* If you're considering surgery or a health procedure (such as extensive dental work) that's not covered by your employer-provided health insurance, you may try to strike a payment deal with the doctor or service provider. A good credit report and score may make the provider more inclined to work with you on a payment plan.
* If you fall in love and plan to get married, it's unlikely bad credit or high debt will prompt a devoted partner to walk away from your relationship. But studies show that money stress can strain a marriage, and fights over money are a leading cause of divorce. While good credit can't ensure wedded bliss, starting your marriage with good credit can make many aspects of life easier for you and your spouse.
Understanding how credit affects your financial and personal life is important for everyone, especially recent graduates. Fortunately, online resources like Equifax.com and the Equifax Finance Blog can help you understand credit and how credit reporting and scoring works.


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St. Cloud Rox Walk-Off in Extra Innings For Home Opener
ST. CLOUD - The St. Cloud Rox are off to a perfect 4-0 start this season after a 5-4 walk-off win against the Willmar Stingers during their home opener.
Kyle Thornell hit the walk-off single in the bottom of the 12th inning to score Harrison Wenson.
Rox starter Nick McCarty went five innings and allowed two runs off of seven hits while striking out four. Trevor Charpie, Ben Lumsden and Kevin Burgee threw the final seven innings for the Rox, allowing just one run in the process.
An estimated crowd of 2,427 attended the home opener at Joe Faber Field. Minnesota Twins World Series hero Gene Larkin threw out the ceremonial first pitch.
The Rox will host the Stingers again at 6:05 p.m. on Saturday. You can hear all the action on AM1390 The Fan with pregame at 5:35 p.m.


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|OUMNH number
|Name and quarry location
|Geological description
|OUMNH number
|Name and quarry location
|Geological description
|Breccia traccagnina, locality unknown
|Polymict limestone conglomerate - perhaps a debris flow.
|Breccia traccagnina, breccia Capitolina, locality unknown
|Polymict limestone conglomerate.
|Breccia traccagnina, brecha da Arrábida, from Siera di Arrábida, Setúbal, Portugal
|Polymict limestone conglomerate
|Breccia corallina, from Verzirhan, Bilecik,Turkey
|Limestone breccia with extensive solution-modified stylolitic clast contacts, and calcite-filled fractures/veins.
|Breccia di Settebasi, from Isle of Skyros, Sporades, Central Greece
|Sheared fine-grained calcite marble breccia.
|Breccia di Settebasi fiorito, from Isle of Skyros, Sporades, Central Greece
|Sheared breccia of fine-grained calcite marble clasts in a hematitic calcareous matrix.
|Griotte, from the Haute Pyrénées, France
|Lower Devonian red nodular limestone, clay-rich matrix, with extensive solution seams and stylolites
|Breccia della Villa Casali, locality unknown
|Polymict limestone conglomerate. Note complex sutured solution-modified clast contacts. Contains shell fragments among clasts.
|Semesanto, from Isle of Skyros, Sporades, Central Greece
|Polymict sheared limestone breccia in clay-rich matrix.
|Breccia di Casteldaccia, from Calvario, near Casteldaccia, Palermo, Sicily
|Polymict limestone conglomerate with pervasive sutured solution-modified clast boundaries.
|Breccia dorata, from Siena, Tuscany, Italy
|Limestone breccia/conglomerate with pervasive suturing and solution-modification of clast boundaries.
|Breccia dorata, from Siena, Tuscany, Italy
|Limestone breccia with solution-modified fractures
|Breccia gialla, locality unknown
|Polymict limestone breccia/conglomerate.
|Occhio di pernice, locality unknown
|Limestone conglomerate. Clasts are in part intraclast-rich; this may be debris flow material. Note extensive stylolites and calcite-filled fractures
|Breccia, locality unknown
|Polymict limestone conglomerate. Matrix is a fossiliferous micrite with minor dendritic Mn-oxides. Some clasts have goethitic rims. Note calcite-filled voids and calcite-filled fractures. Red areas are filler/polishing compound.
|Probably breccia di Sciro from Skyros, Sporades, Central Greece
|A nodular or conglomeratic limestone, sheared and metamorphosed to a marble breccia, with extensive clay-rich hematitic matrix and deformed calcite veins. Note extensive late-stage solution seamed stylolite development.
|Breccia pavonazza, locality unknown
|Polymict limestone/marble breccia-conglomerate with red, calcareous mudstone/lateritic matrix, and stylolites. Some residual fossils appear to be present.
|Grand antique, bianco e nero antico, from Lez valley, Aubert, near St Girons, Hautes-Pyrénées, France
|Black limestone breccia with calcite-filled voids and fractures. Some beige coloured areas are fossiliferous clasts and margins to black clasts.
|Breccia gialla e nera, from Portovenere, La Spezia, Liguria, Italy
|Black and grey limestone conglomerate, with a yellow ferruginous calcite matrix.
|Pavonazzetto, from Iscehisar (Synnada), Afyonkarahisar Province, Turkey
|Breccia of medium to coarse-grained calcite marble clasts in a darkred marble matrix.
|Breccia della villa Adriana, breccia Quintilina, most probably from Levanto, Liguria, Italy
|Serpentinite breccia.
|Oolite bianca di Monte Baldo, from Monte Baldo, and most probably from Punta San Vigilio, Verona, Veneto, Italy
|Oolitic limestone; oosparite with calcite-filled fractures.
|Oolite bianca e gialla di Monte Baldo, from Monte Baldo, and most probably from Punta San Vigilio, Verona, Veneto, Italy
|Oolitic limestone; oosparite with extensive yellow limonite in the matrix and cortex of the ooliths. Brown is filler/polishing compound.
|Oolite bigia di Brescia, from Brescia, Lombardy, Italy
|Oolitic limestone; oosparite with abundant crinoid debris.
|Breccia di Bologna, from Bologna, Emilia-Romagna, Italy
|Polymict conglomerate with microspar matrix. Clasts are predominantly of limestone; some are a jasper-like pseudobreccia in appearance.
|Breccia di Arbe, breccia a semesanto di Dalmazia, from Island of Rab, Primorje-Gorski, Croatia
|Polymict conglomerate of limestone clasts.
|Breccia di Terni, from Terni, Umbria, Italy
|Polymict limestone conglomerate, clasts mainly of pink or creamy white pelagic limestone, some rimmed with dendritic manganese oxides. It also contains clasts of coarsely crystalline white calcite.
|Mandolato di Lubiara, nembro rosato, from Lubiara, Caprino Veronese, Verona, Veneto, Italy
|Upper Jurassic or Cretaceous burrowed nodular biomicrite limestone crowded with skeletal grains. Note the extersitu stylolite development.
|Corallina di Carrara, from Carrara, Massa e Carrara, Tuscany, Italy
|Marble breccia, medium-grained calcite marble clasts in a granular ferruginous calcite matrix. It is heavily fractured, the fractures filled with calcite.
|Pomorol di S.Giorgio, from San Giorgio, Verona, Veneto, Italy
|Brecciated, stylolitised, biomicrite limestone with scattered intraclasts.
|Breccia pavonazzetto, from Iscehisar (Synnada), Afyonkarahisar Province, Turkey
|Marble breccia; a heavily stylolitised, metamorphosed polymict limestone conglomerate, probably resedimented.
|Breccia di Seravezza, from Seravezza; or perhaps breccia Medicea, from nearby Stazzema, Lucca, Tuscany, Italy
|Fine-grained calcite marble breccia.
|'Breccia di Brentonega di Dolce nel Veronese', from Dolce, Verona, Veneto, Italy, or from Brentónico, Trentino, Trentino-Alto Adige, Italy
|Jurassic ?syn-sedimentary breccia with micritic limestone clasts, sparry matrix, stylolites and spar-filled voids.
|Breccia dorata, from Montagnola Senese, Siena, Tuscany, Italy
|Breccia of fine-grained recrystallised limestone (probably weakly metamorphosed) clasts, closely packed, with minimal red calcareous matrix. Pink colour is leached, not present in rims of larger clasts and all the smaller clasts. It has stylolites, stylolitised clast boundaries, and a few sparry calcite-filled cavities.
|Breccia di Canneto, from Canneto, Tuscany, Italy
|Breccia of grey micritic limestone clasts showing 'paesination' (microfracture constrained iron-staining like that of pietra paesina, q.v.)
|Semesanto di Milano, from Milan, Lombardy, Italy
|Lower Jurassic limestone. A crinoidal biosparite, the red crinoid debris overgrown with white calcite rims, and with coarse sparry calcite in the interstices.
|Broccatellone, from Verzirhan, Bilecik,Turkey
|Polymict limestone breccia with spar-filled cavities. Note suturing/dissolution at clast boundaries.
|Breccia di Brescia, from Brescia, Lombardy, Italy
|Limestone breccia.
|Breccia rossa di Trapani, rosso di Castellammare, from Castellammare, Trapani, Sicily, Italy
|Jurassic-Cretaceous burrowed red, nodular micritic pelagic limestone with abundant thin-shelled bivalve (Bositra) debris. Note solution seams.
|Corallina di Pisa, from Pisa, Tuscany, Italy
|Breccia of fine-grained calcite marble clasts.
|Breccia del lago di Como, from Lake Como, Como, Lombardy, Italy
|Peloidal limestone breccia. The matrix is pale brown transparent calcite, as compact banded travertine in places. Note extensive brown filler/polishing compound.
|Breccia di Mastro Simone, from S.Angelo Romano, Roma, Lazio, Italy
|Limestone; a burrowed nodular biopel-micrite, perhaps from the Jurassic Rosso ammonitico formation.
|Broccatello di Maran, from Maran, Verona, Italy
|Rosso ammonitico Jurassic pelagic limestone. It is a heavily stylolitised pebbly fossiliferous micrite, either an intraformational conglomerate or a debris-flow.
|Rosso di Rosaro, from Rosaro, Verona, Veneto, Italy
|Stylolitised nodular biomicrite; a pelagic limestone of the Jurassic Rosso Ammonitico Formation.
|Broccatello di Torbe, from Torbe, Verona, Veneto, Italy
|A redeposited pelagic limestone of the Jurassic Rosso Ammonitico Formation.
|probably breccia di Carrara, from Carrara, Massa e Carrara, Tuscany, Italy; or breccia di Seravezza, from Seravezza, Lucca, Tuscany, Italy
|Marble breccia: a limestone breccio-conglomerate that has subsequently been metamorphosed.
|Breccia del Lago di Garda, from Lake Garda, and perhaps from Brentónico, Trentino, Trentino-Alto Adige, Italy
|Limestone; a burrowed nodular biomicrite crowded with skeletal grains, with extersitu stylolite development. Dark brown area is filler.
|Broccatellone, from Verzirhan, Bilecik,Turkey
|Polymict limestone breccia.
|Breccia di Brianza, from the area of Brianza , Lombardy, Italy
|Fine-grained limestone conglomerate. Clasts include ooliths and various beige, cream and white limestones, in a sparry calcite matrix.
|Breccia della Gaetta, from Gaetta (Gaeta), Lake Como, Como, Lombardy, Italy
|Limestone breccio-conglomerate in pink limestone matrix.
|Breccia di Lugano, from Lake Lugano, Varese, Lombardy, Italy
|Slumped (or sheared) limestone/marble breccia, with red and metallic grey hematite, and flecks of green chlorite and yellow-brown goethite.
|Breccia del Giannicolo, from Rome, Lazio, Italy
|Limestone breccio-conglomerate, very poorly sorted; the matrix is clear crystalline calcite in places, elsewhere full of microfauna-rich grains.
|Breccia del Giannicolo, from Rome, Lazio, Italy
|Poorly sorted limestone conglomerate with extensive styolitic suturing of clast boundaries. The matrix is micritic with less forams than no. 454. It has some spar-cemented intraclasts and a few dark grey clasts. Some dendritic manganese oxides are evident on the sides of the specimen.
|Breccia del Giannicolo, from Rome, Lazio, Italy
|Poorly sorted limestone conglomerate with extensive styolitic suturing of clast boundaries. The matrix is micritic with abundant forams. Yellow areas are filler.
|Mischio di Casale, from Casale, Verona, Veneto, Italy, is doubtful
|Limestone breccia-conglomerate with scattered large bioclasts of marine organisms in a creamy microcrystalline matrix containing forams. Note extensive suturing of grain boundaries, and calcite filled fractures.
|Breccia di Cango, from Cango, Milan, Lombardy, Italy
|Brecciated marble.
|Griotte, from the Haute Pyrénées, France
|Devonian hematite-rich fine-grained nodular limestone with extensive stylolite development. White areas are calcite spar-filled goniatites
|Pomarolo di Serme, from Serme, Verona, Veneto, Italy
|Brecciated limestone with red, non-calcareous (perhaps lateritic) matrix.
|Broccatello di Milano, from Milan, Lombardy, Italy
|Polymict limestone conglomerate with sutured/stylolized grain boundaries, very poorly sorted, matrix largely calcarenite.
|Breccia de'Colli Euganei, probably from Verona or Vicenza regions, Veneto Italy
|Brecciated limestone with pervasive stylolites.
|probably diaspro tenero di Sicilia, from Sicily, Italy; but may be breccia d'Arzo, from Ticino, Switzerland.
|Polymict limestone breccia with variable amounts of orange iron-staining of micritic matrix.
|Breccia di Cori, from Cori, Latina, Lazio, Italy
|Intraformational limestone breccia of peloidal limestone (fragments of Triassic-Jurassic limestones) in pink Jurassic-Cretaceous pelagic limestone matrix.
|Broccatello di Olorgie, from Olorgie, Verona, Veneto, Italy
|Rosso ammonitico Jurassic nodular pelagic limestone.
|Broccatello di Malcesine, nembro rosato, from Malcesine, Lake Garda, Verona, Veneto, Italy
|Upper Jurassic limestone; a burrowed nodular biomicrite crowded with skeletal grains but microbreccia-conglomerate in places. Note the extersitu stylolite development.
|rosso di Grezzana, rosso Verona, from Grezzana, Val Pantena, Verona, Veneto, Italy
|Nodular pelagic limestone from the Jurassic rosso ammonitico formation.
|Breccia del Largo di Garda, from Lake Garda, Lombardy, Italy
|Rosso ammonitico Middle-Upper Jurassic nodular pelagic limestone.
|Breccia di Tivoli, from Tivoli, Lazio, Italy
|Black limestone breccia with white limestone matrix.
|Breccia degli Appennini, from Apennines, Italy
|Limestone. A debris-flow deposit of bio- and intraclast-rich biomicrite. Stylolites and manganese oxide dendrites are present.
|Breccia degli Appennini, from Apennines, Italy
|Matrix-supported bio- and intraclast-rich biomicrite limestone. It is poorly sorted; possibly resedimented in a debris flow.
|Breccia degli Appennini, from Apennines, Italy
|Bioturbated fossiliferous biomicrite limestone. A packstone (grain-supported, the bioclasts in contact). It has fractures and stylolites.
|Breccia di Ponte Salaro, from Ponte Salaro, near. Rome, Lazio, Italy
|Polymict limestone conglomerate with abundant nummulites, molluscan and other skeletal debris. It is extensively stylolitised. The micritic matrix has a rich microfauna. It has large areas of yellowish filler and brown areas around clasts are also filler.
|perhaps Chiampo, from Ponte Salaro, near Rome is doubtful; this is more likely to be from the area of Chiampo, in Vicenza.
|Limestone; a foraminiferal ruddite with abundant nummulites and other benthic forams, algal grains, mollusc fragments and limestone intraclasts. It has extensive solution of grain boundaries, creamy micritic cement containing microfossils. Extensive use has been made of an orange filler.
|Breccia di Monsumano, from Monsummano Terme, Pistoia, Tuscany, Italy
|Slumped/sheared limestone breccia with calcite-filled fractures and with small amounts of manganese oxides as dendrites and stylolites.
|breccia di Taormina, from Taormina, Messina, Sicily, Italy; or perhaps breccia della Villa Casali, locality unknown
|Polymict breccia of limestone clasts in red micritic matrix.
|Cipollino mandolato, perhaps Tarteing, from Tarteing, Esplas de Sérou, Ariège, Midi-Pyrénées, France
|Calcite marble. A metamorphosed nodular limestone, clay matter surrounding the nodules has altered to fine-grained chlorite. A few slender veins have ferruginous infills.
|Breccia di Prato, from Prato, Florence, Tuscany, Italy (unlikely)
|Poorly sorted polymict limestone breccia with many fossiliferous clasts. Clasts have green chloritic rims.
|Breccia di Seravezza, from Seravezza, Lucca, Tuscany, Italy
|Breccia of calcite marble clasts.
|Breccia di Sciro, from Isle of Skyros, Sporades, Central Greece
|Sheared polymict marble breccia
|Breccia di Seravezza from Seravezza, Lucca, Tuscany, Italy; or breccia di Siena, from Siena, Tuscany, Italy
|Sheared breccia of calcite marble clasts; ferruginous staining gives yellow colouration.
|Breccia di Val di Radi, breccia di Siena, from Valle di Radi, Siena, Tuscany, Italy
|Sheared micritic limestone with plastic deformation features, weakly metamorphosed.
|Breccia traccagnina di Vitulano, from Vitulano, Benevento, Campania, Italy
|Polymict predominantly limestone conglomerate.
|Breccia traccagnina di Monte Gargano, from Monte Gargano promontory, Foggia, Puglia, Italy
|Polymict limestone conglomerate with limestone matrix. It has stylolitised, solution-modified contacts between clasts.
|'Breccia traccagnina di Giazza', locality unknown; possibly the Verona area, Veneto, Italy
|Polymict limestone breccia-conglomerate with solution modified clast boudaries.
|Serpentina di Torino from the province of Turin, Piedmont, Italy
|Poorly-sorted breccia of heavily fractured, calcite-cemented clasts of serpentinite in a gritty ferruginous matrix.
|breccia rossa Appenninica, from between Biassa and Pegazzano, La Spezia, Liguria, Italy
|Burrowed stylolitised nodular limestone which has been tectonically modified.
|Breccia di Pistoja, from Pistoia, Tuscany, Italy
|Fractured, solution-modified, polymict limestone conglomerate. The micritic matrix contains large benthic forams. The sample has calcite-filled fractures and some dendritic pyrolusite in both clasts and matrix .
|Breccia di Casale, from Casale, Verona, Veneto, Italy
|Bioclastic limestone with large benthic foraminifera.
|Fior di pesco Apuano, from Seravezza, Lucca, Tuscany, Italy
|Sheared marble breccia; perhaps a tectonised burrowed/nodular limestone.
|Breccia degli Appennini, from the Apennines, Italy
|Deformed granitoid; porphyroblasts are quartz dominantly, perhaps originally vein quartz, now disrupted.
|Breccia di Sarzana, from Sarzana, near Seravezza, Lucca, Tuscany, Italy; or perhaps breccia di Seravezza, from Seravezza, Lucca, Tuscany, Italy
|Marble breccia; a metamorphosed polymict limestone breccia with extensive solution seams.
|Breccia di Sarzana, from Sarzana, near Seravezza, Lucca, Tuscany, Italy; or perhaps breccia di Seravezza, from Seravezza, Lucca, Tuscany, Italy
|Marble breccia with calcite filled fractures.
|probably Gialletto di Torri del Benaco, from Torri del Benaco, Verona, Veneto, Italy
|Debris-flow deposit of limestone intraclasts in fossiliferous micritic matrix. Clay-coated stylolites are conspicuous.
|Probably mandolato di Grezzana, nembro rosato; from Grezzana, Verona, Veneto, Italy
|Pelagic limestone. A burrowed nodular fossiliferous micritic limestone with stylolites and solution seams, most probably of Upper Jurassic age, from the upper part of the Rosso Ammonitico Formation.
|Breccia di Napoli, from Naples, Campania, Italy
|Micritic limestone with pale grey dolomite nodules; calcite-filled fractures, and disseminated dendritic pyrolusite. Brown is filler.
|Breccia di Carrara, from Carrara, Massa e Carrara, Tuscany, Italy
|Marble breccia-conglomerate
|Breccia degli Appennini, from the Apennines, Italy
|Debris flow; containing poorly sorted matrix-supported white limestone and other intraclasts in a pink limestone matrix. Sample has calcite-filled fractures.
|Rosso Verona, from Verona, Veneto, Italy
|Limestone from the Jurassic Rosso Ammonitico formation. A red nodular, micritic limestone with pervasive clay-coated solution seams.
|Marmo marrone di Sestino, from Sestino, Milan, Lombardy, Italy; or from Verona, Veneto, Italy
|Most probably a resedimented nodular limestone with extensive solution seams and stylolites.
|Rosso di Mizzole, from Mizolle, Val Pantena, Verona, Veneto, Italy
|Burrowed nodular fossiliferous micritic pelagic limestone with calcite/clay-lined stylolites and solution seams. It is from the Jurassic Rosso Ammonitico Formation.
|'Persichino di Romegiano', from Domegiano or Romagnano, Verona, Veneto, Italy
|Fossiliferous micritic limestone with debris probably of bivalves.


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Atari didn't have a whole lot to show off for its new Alone in the Dark game, but what we saw was definitely very interesting. This completely new AitD game can be played in first- or third-person and the demo we saw focused on how the game and its physics engine allow for the unique use of general everyday items. Most of the demo took place in an underground sewer in the city of New York. The entire game is set in Central Park, where you're investigating something mysterious. We'd have liked more details about the storyline, but that's all we got.
A simple yet unique feature from AitD that caught our eye is the inventory system. Rather than going to a separate inventory screen, pressing the inventory button will make you look down at your own body and open up your jacket, revealing all the items you're carrying. You'll see a knife in a sheath on your belt, a pistol in a holster, blood packs, glow sticks, small bottles of flammable fuel, and even some duct tape.
We were shown some very creative uses for all the items. For example, you could just toss a glow stick down the hall to light up the area, or you could attach some tape to it and stick it onto the wall, or even toss it at an enemy creature and have it illuminate the area everywhere it goes. You can take the fuel and pour it anywhere you want and ignite it with your lighter to make a wall of fire. You can even pour a circle around yourself to keep yourself safe for a short while. If you want to be more aggressive you can even toss your fuel bottle at an enemy, draw your pistol, and shoot it for a spectacular explosion. Don't worry, you'll automatically target the bottle so hitting it is easy.
Other more devious uses for your items include wrapping a fuel bottle in tape, piercing it with your knife, tossing it to a bad guy so it sticks onto it and then lighting the fuel trail left behind. The flames will follow the trail of flammable liquid until it gets to the enemy and engulf it in flames and when it reaches the bottle it'll explode. You can even use your first aid spray as a weapon. Just pair it with your lighter and you'll have an instant flamethrower. The only problem with this is that you won't be able to heal yourself if you use all the spray for offensive purposes.
You'll also be able to pick up items for use as both weapons and tools. Any melee items you pick up are swing using your analog stick. You can move the stick slowly to move items, or quickly to strike enemies. We watched as the developer giving the demo used a wooden stick to carefully lift a live power line out of a stream of water, making it safe to cross. You can even pick up chairs and tables. Both items can be broken down into smaller pieces to make for handier weapons. The table can be used as a shield. Anything you carry that's flammable can be set on fire by placing it into a flame. So a chair can become both a makeshift torch and a flaming melee weapon.
Fire plays a very important role in AitD, so important that the development team spent over a year on the fire alone. Like in real life fire will spread in this game and it will also weaken structures as it burns. We watched as the developer set fire to a plank of wood linked to other planks of wood along the wall. The fire slowly spread to each plank and eventually the planks fell down after they were weakened enough by the flames. We were told that fire can get out of control just like in real life. For example, if you go crazy and set a log cabin on fire while you're in it, it could easily collapse on you. Fortunately, there are fire extinguishers in the game for when your pyromaniac tendencies get you into trouble.
All the tech we saw for AitD was very cool, but we would've liked to see more of the actual game, learn more about the characters and find out what the plot is. We were shown a short teaser video at the end of the demo which hinted at an ancient secret in Central Park, but for now most of the game remains a mystery. AitD is scheduled for a 2008 release.


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A very evoking and inspiring orchestral soundtrack featuring strings, cymbals, panflute, timpani, toms and snares. Perfect for movies with adventurous plots and/or historical subjects. Great also for documentaries and any other visual media that needs a mysterious music to convey a sense of danger.
Zip file containing these tracks:
01. Dangerous Movement (1:53)
02. Dangerous Movement (underscore) (1:53)
Check also my Cinematic Collection to find similar instrumental soundtracks.


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We have been looking lately at evidence and how we use it in our genealogies. Elizabeth Shown Mills' book called "Evidence Explained" has been our source for a good part of what we have been checking. The book isn't cheap (about $50), but it is a great resource for documenting what we have gathered from family and our own research.
We have been looking lately at evidence and how we use it in our genealogies. Elizabeth Shown Mills' book called "Evidence Explained" has been our source for a good part of what we have been checking. The book isn't cheap (about $50), but it is a great resource for documenting what we have gathered from family and our own research.
Last time I quoted from the book, saying "genealogy accepts no margin of error." This means we need to be as accurate as possible, with as many sources for evidence as we can find. These sources must be good sources, though. It isn't enough to have 20 sources that are questionable if we can have three or four that are highly likely to be correct. Of course, we have all seen sources that should be accurate but are not. We need to be careful.
We have to weigh each source and we also have to weigh where the source found the information. I have seen many times where there was an error, and several other sources used that error as their proof. We have to look at the source of the source. If I have quotes from several researchers stating something as fact I need to find out why they said so. If they all used the same reference for their statements all of them together can only count for one source.
Anyway, Ms. Mills uses what she calls the "Genealogical Proof Standard" for research. She says there are "five conditions that a valid conclusion must meet" (pg. 19). These five are, in her words:
- Thorough research
- Complete and accurate citation of sources
- Skilled analysis and correlation of data
- Resolution of any conflicts in the evidence, and
- A soundly reasoned, written conclusion that details all the evidence, analyses, and documentation – i.e., a proof argument.
It isn't always possible to resolve all conflicts in the evidence, but we must try to do so. If we can't resolve, say, a birth date, we must say so. If there are three birth dates for someone and we can prove that one isn't true, but there is equal evidence for the other two, we must use both of them, and state why we are doing so.
This is the part of genealogy that is the most difficult, but it is also the most rewarding. Imagine writing a report about Uncle Pete where you have done all your research and can prove everything you say about him with evidence for each fact. When we can do this for someone we should take pride in that report. When we have used all five conditions for our conclusion we are doing what every genealogist should be doing.
Have you ever looked at the family trees you can find online? You can tell almost instantly which ones are thoroughly researched and which ones are thrown together by someone who found someone with the same name and tried to make that person fit. Don't let that second person be you.
Now to change topics for a minute. I have written several times about familysearch.org and some of its databases. When I am researching my Michigan ancestors I have often found great information in the databases on that site (of course they have bases for all states and for most places in the world, but I'm just concentrating on Michigan for this article). One base I have not used very often is one that only has transcripts – we can't see the original records.
However, I have recently found so much data there that I need several trips to the Library of Michigan to search for obits to help add details to what I found. The base is called "Michigan, Death Certificates, 1921-1952."
The certificates aren't available, but the transcripts are, and the information can help us find newspapers that have the obits with life events and possibly a cemetery location. Check out this database. You won't be disappointed, but your printer may be overworked.
Jim Moses is a genealogy buff living in Lansing. Write to him at the Sentinel-Standard, 114 N. Depot St., Ionia, MI 48846 or email firstname.lastname@example.com.


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text:
UCLA 38, USC 28 (final)
The Bruins blocked a 38-yard field-goal try by Andre Heidari with 1:40 left in the fourth quarter to help secure the victory and earn the Pac-12 Conference South Division title on Saturday afternoon at the Rose Bowl in Pasadena.
UCLA quarterback Brett Hundley completed 22 of 30 passes for 234 yards and a touchdown while also running for two scores. The Bruins' Johnathan Franklin rushed for 171 yards and two touchdowns. USC quarterback Matt Barkley passed for more than 300 yards and three touchdowns but had two passes intercepted that led to 14 points for UCLA.
UCLA 38, USC 28 (4:02 left in fourth quarter)
Johnathan Franklin was just penalized for unsportsmanlike conduct after his 29-yard touchdown run.
It was an unsportsmanlike move, but it was not false advertising.
USC's hold on L.A.'s college football rivalry has a dagger in it.
Franklin's run capped an 83-yard drive.
He has 162 yards rushing in 26 carries. He has run for 100-plus yards in a game 18 times in his UCLA career, second only to Gaston Green.


text:
FRITZ!Box 3370 Service - Knowledge Base
AVM Content
- FRITZ!Box 7590
- FRITZ!Box 7581
- FRITZ!Box 7560
- FRITZ!Box 7490
- FRITZ!Box 7430
- FRITZ!Box 7390
- FRITZ!Box 7369
- FRITZ!Box 7360
- FRITZ!Box 7340
- FRITZ!Box 7330
- FRITZ!Box 7272
- FRITZ!Box 6890 LTE
- FRITZ!Box 6840 LTE
- FRITZ!Box 6820 LTE
- FRITZ!Box 6810 LTE
- FRITZ!Box 6590 Cable
- FRITZ!Box 6490 Cable
- FRITZ!Box 5490
- FRITZ!Box 4040
- FRITZ!Box 4020
- FRITZ!Box 3490
Wireless connection is only established with 195 Mbit/s instead of 450 Mbit/s
When your wireless device (for example a notebook, smartphone, game console) establishes wireless connections (WiFi) to the FRITZ!Box according to the wireless standard 802.11n, the throughput does not exceed 195 Mbit/s.
- A throughput of 450 Mbit/s can only be achieved when channels with a bandwidth of 40 MHz are used. Some wireless devices do not support channel widths of 40 MHz or only support them in the 5 GHz frequency band.
Note:The configuration procedure and notes on functions given in this guide refer to the latest FRITZ!OS for your FRITZ!Box.
Simply proceed as described below. After each measure, check whether the issue persists.
1 Configuring the wireless device to use 40 MHz channels
Perform the following step if the computer's wireless network adapter or the wireless device supports wireless channels with bandwidths of 40 MHz:
Note:You can find information on configuring the device in its manual, or consult its manufacturer directly.
- Configure the wireless network adapter or the wireless device so that it uses wireless channels with bandwidths of 40 MHz.
You can configure many Intel wireless network adapters for channels with bandwidths of 40 MHz. In order to do so, call up the properties of the wireless network adapter in the Windows Device Manager and select "auto" for "802.11n Channel Width for band 2.4":
2 Establishing a wireless connection to the 5 GHz frequency band
As a rule, channel bandwidths of 40 MHz are supported in the 5 GHz frequency band. Therefore, switch to the 5 GHz frequency band if you are currently using the 2.4 GHz frequency band to establish the wireless connection, and the wireless network adapter or wireless device supports the 5 GHz frequency band:
Note:Not all wireless devices support the 5 GHz frequency band.
FRITZ!WLAN Stick AC 430, FRITZ!WLAN Stick AC 860 and FRITZ!WLAN Stick N (v2) support the 5 GHz frequency band.
- Click "Wireless" ("WLAN") in the FRITZ!Box user interface.
- Click "Radio Channel" in the "Wireless" ("WLAN") menu.
- Enable the option "Adjust radio channel settings".
- Click "Additional Settings".
- Select the standard "802.11n+a" from the "Wireless standard" drop-down list.
- Click "Apply" to save the settings.
- Re-establish the wireless connection to the FRITZ!Box.
3 Checking the event log of the FRITZ!Box
- Click "System" in the FRITZ!Box user interface.
- Click "Event Log" in the "System" menu.
- Select "Wireless" from the drop-down list.
- If the message "Wireless LAN transmission quality increased by reduced channel bandwidth [...]" is displayed, follow the instructions given in our guide FRITZ!Box reports "Wireless LAN transmission quality increased by reduced channel bandwidth".


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Defined Benefit
Tapping into behavioural biases can create repeatable returns
Classical economics assumes the existence of a group of perfectly rational human beings who carefully weigh up the pros and cons of any financial decision. But these mythical beings have been hard to find in real life.
Classical economics assumes the existence of a group of perfectly rational human beings who carefully weigh up the pros and cons of any financial decision. But these mythical beings have been hard to find in real life.In truth, people take sometimes irrational short cuts to help them make financial choices. This realisation has led to the development of alternative theories aimed at identifying these short cuts or 'heuristics' – speedy ways of solving difficult problems.
Although heuristics have long been known about, it has never been clear how investors can profit from them. This article draws on the work of behavioural economists to identify three groups of heuristic biases – prospect theory, extrapolation and herding, and ambiguity aversion and availability bias – and then looks at the financial strategies
that can profit from these hard-wired behavioural patterns.
1. Prospect theory
The systematic inconsistencies that individuals bring to their decision-making processes have led to the development of prospect theory1. One key finding from this has been that investors are loss averse2, suggesting that there ought to be excess demand for insurance strategies that reduce downside risk. In other words, the average investor should be willing to pay over the odds to protect themselves from harm. If the behaviourists are right, it ought therefore to be possible to extract an excess risk premium over time for a disciplined strategy that underwrites that risk.
We believe there are two distinct types of investment themes that can be used to exploit
this psychological intuition:
a. Shorting volatility on equity markets
The average investor not only tends to exhibit loss aversion, but also to overestimate the probability of extreme events. This leads to anxiety about a possible loss of capital. As a result, there is consistently high demand for financial assets which can avoid the discomfort caused by significant capital losses. One example is the equity put option. There tends to be a greater demand for puts than for calls as most investors are natural holders of risk assets (like equities). Risk aversion means they prefer to protect these assets from falls, rather than provide themselves with the opportunity for further upside by buying calls.
The heavy demand for this insurance means investors have a tendency to overpay. Consequently, a strategy that systematically underwrites the insurance they seek should earn a positive premium over the long term. On the other hand, the underwriters are themselves likely to suffer losses in the event of a macro shock. This tends to result in a low, even distribution of results with larger tails ('high kurtosis'), particularly to the left ('negative skew'). Despite these infrequent outsize losses, the strategy should still generate a small and generally consistent performance overall. A similar pattern of returns can be seen with currency carry trades (Figure 1).
b. The foreign exchange carry trade
Currency carry is the return an investor can get from borrowing in low yielding currencies – those where interest rates are low – and investing the proceeds in higher yielding ones3. On the basis that investors generally dislike inflation, they should require a lower premium (interest rate) for holding a currency managed by a central bank with a more credible record on containing inflation. Conversely, higher yielding currencies should naturally be perceived as riskier.
It follows that an investment strategy that systematically withdraws liquidity from safe assets (in this case, currencies associated with low interest rates) and allocates it to more risky assets (currencies carrying a higher rate) is equivalent to an insurance policy that underwrites a broad systemic risk. This is because, at times of market stress, it will provide liquidity for investors in risky assets who wish to sell and seek safety in higher quality assets. The expected currency carry therefore becomes the risk premium offered to the provider of insurance against that systemic risk.The principal risk of this strategy is that it is sensitive to liquidity shocks and therefore subject to significant drawdowns. It also exposes the investor to idiosyncratic country risk, which can increase in the event of any big slowdown in global growth (Figure 1). Even so, as with the previous strategy, despite the occasional large loss, an investor should still enjoy a consistently positive return overall.
1David Kahneman and Amos Tversky, 'Judgment under Uncertainty: Heuristics and Biases', Science, vol. 185, no. 4157 1974; and D. Kahneman and A.Tversky, 'Prospect theory: an analysis of decision under risk', Econometrica 47. 2A simple example of loss aversion (and framing) is that it is easier to encourage people to pay a bill by penalising late payment than by offering them a discount for early payment. Loss aversion is in fact equivalent to the traditional concept of the diminishing marginal utility of wealth.3This is an uncovered interest rate arbitrage, which should not exist in theory since the currency with the higher interest rate ought to depreciate relative to the currency with the lower rate. This, however, ignores the actions of central banks and governments which may see it as in their interest to ensure that this trade rewards investors.
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So, um, here's Steph Curry tossing a 55-foot alley-oop to Andre Iguodala.
A few things: Curry starts releasing it from just outside the opposing three point line. And as impressive as the Wade-to-LeBron 92-footer from a few seasons ago was, that was Wade at a standstill quarterbacking the ball down the court to LeBron, who ran under it like a deep pattern and laid it in. This was Steph on the break, floating essentially a 60-foot runner into Iguodala's hands in midair for the dunk. Matter of preference, but give me Steph basically turning an alley-oop into the longet range jumper over the Heat and their confounding way of making spectacular plays seem like paperwork someone forced them to do.
Oh, and here was poor Michael Carter-Williams trying to process what was happening: