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That's why two new booklets by John McManus, Restoring the Rights of the States and the People and Dollars & $ense: Solutions to the Economic Meltdown, are so useful. They lay out in direct, accessible language the common-sense arguments that our betters prefer to obscure or ignore.
A Stately Affair
First, the states. These days we hear a great deal about various Tenth Amendment and state-sovereignty resolutions proposed and passed by various state legislatures. Naturally, the press demonizes people who support them — why, these rubes don't trust the Harvard Ph.D.'s who rule over them for their own good!
From the period of the early republic until the misnamed Civil War, the states repeatedly defied the federal government on issues ranging from war, conscription, and trade, to free speech and fugitive-slave laws. Students are not generally taught this history in school. They learn instead that the only reasons anyone might not want to repose all decision-making power in the hands of our wise overlords in the federal government is an incorrigible desire to oppress minority groups in one way or another. (Good thing most college students don't read what their professors assign them, or we'd be in real trouble.)
Although not his primary purpose, McManus deftly lays out the case in Restoring the Rights that those Americans who favor these resolutions — and, we hope, the follow-up actions by the states involved — are demonstrably in the right from a constitutional and historical (not to mention moral and political) point of view.
McManus also provides an important service in taking apart John Marshall, chief justice of the United States from 1801 through 1835. I have never understood the soft spot that some conservatives and constitutionalists have for Marshall. It is not a compliment to observe that Marshall was an innovator, since a chief justice is supposed to preserve and interpret the law as written, not impose his own gloss on it. The Jeffersonians consistently opposed Marshall's innovations, whose combined effect was to strengthen the federal government against the states on the basis of dubious arguments that are today presented to law students as masterpieces of jurisprudence. The various Jeffersonian replies to Marshall are, naturally, ignored entirely.
It was Marshall, for instance, who placed an expansive interpretation on the "necessary and proper" clause of Article I, Section 8, which social-studies teachers have erroneously referred to as a catch-all "elastic clause" ever since. The clause pointed out that the federal government was being delegated those subsidiary powers without which the enumerated powers could not be put into effect. Thus the power to erect "other needful buildings" presumably included the power to purchase lumber for this purpose.
Marshall, on the other hand, gave "necessary" such a broad construction that it may as well have read "convenient." Since just about anything seems convenient to the federal government, the expansion of government power under this interpretation is not exactly the most surprising development in the history of mankind.
I would add to McManus' excellent analysis the amplifying point that early exegesis of the clause held that it had been meant only as a clarification, and was not a grant of additional powers to the federal government. In other words, it was not intended to be an "elastic" clause. Even Alexander Hamilton held this view: the Constitution and its meaning, he said in The Federalist, would be exactly the same had there been no "necessary and proper" clause.
Likewise for the "general welfare" clause: the idea that additional federal powers could be carelessly justified with reference to these words is incompatible with virtually all early constructions of the phrase. At the Virginia ratifying convention, skeptics of the Constitution like Patrick Henry were assured that the federal government would possess only those powers "expressly delegated" to it, and that no interpretation of clauses like this one could change that.
McManus has long been impatient with gripes about our present situation that lack any proposals for reversing it. At the end of Restoring, he offers 10 such suggestions. All of them are worth trying, although we may have reached a point at which more radical (though still peaceful) approaches have become necessary.
Dealing With Dollars
The economic crisis of the present day has brought forth its own clichés and prop-aganda. They boil down to this: if we do not hand over more money and power to our wise planners and stabilizers, our economy will never fully recover. Reading the Washington Post's pleas for the various bailouts and its demonization of all opposition gave us a glimpse of what it must have been like for a 20th-century Russian to read Pravda.
McManus' Dollars & $ense eviscerates this comic-book version of events. Among other things, he raises the Forbidden Subject — the Federal Reserve System — and proposes that our monetary central planners may have had a teensy weensy bit to do with the disaster we face now.
If there's one thing the New York Times and MSNBC are even less happy to see the public discussing than the Federal Reserve, it's the broader subject of money itself. We are supposed to believe that only a laissez-faire stooge could favor a commodity-based money (backed up by gold or some other precious item) over the fiat paper system (not backed by a commodity) we have now. When not being laughed at or ridiculed, the idea of basing our monetary system on a commodity whose supply the government cannot multiply at will is considered so contemptible as not to be worthy of reply or even acknowledgment.
McManus, naturally, doesn't give a hoot what the Times or MSNBC wants to hear, and proceeds to explain, in layman's terms, some of the advantages of a sound-money system over the irredeemable paper we now use. The very reason that the regime and its media shills despise and fear sound money is the reason a free people should support it: it limits the government's ambitions by restricting the share of resources it can siphon from the productive economy. Without a magical money-creation machine, government must resort to borrowing and taxation, both of which occur in the open and both of which come up against natural limits. (Since World War II, for instance, federal tax receipts have consistently hovered around 20 percent of GDP regardless of the tax rates in force.)
That is not the only advantage of sound money, to be sure, and McManus discusses others, but it is almost certainly the most important.
Most Americans, including even some of those who more or less grasp the big picture of what's going on, are bewildered by the Federal Reserve System, fiat money, gold, and other such issues, which they falsely believe to be inscrutable except to specialists. McManus explains them all. He is not supposed to do this. Americans are expected to entrust their monetary system to those people we laughingly call the experts.
I think a rudimentary description of the Austrian theory of the business cycle, which blames central banks' manipulation of interest rates for the economy's boom-bust cycle — and which has aroused more public curiosity than ever thanks to the current downturn — would have rounded out the story McManus is telling. Still, if Americans can be led to understand what our author is saying, we will have taken a gigantic step toward restoring a sound economy.
You could spend the next 10 years listening to the propagandists and empty suits on cable news programs and not learn a sliver of what these two booklets can teach you in an afternoon. They are worthy introductions to a lifetime of learning.
Restoring the Rights of the States and the People, by John F. McManus, Appleton, Wisconsin: The John Birch Society, 2009, 38 pages, paperback.
Dollars & $ense, by John F. McManus, Appleton, Wisconsin: The John Birch Society, 2009, 38 pages, paperback.
Thomas E. Woods, Jr. is the author of nine books, most recently the New York Times bestseller Meltdown: A Free-Market Look at Why the Stock Market Collapsed, the Economy Tanked, and Government Bailouts Will Make Things Worse.


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Depression is a disorder that strikes millions of people every year. The treatment options for depression are sometimes confusing, and to be honest often worse than the depression itself. Prescribed medication often has side effects that can be worse for the patient than the depression alone. Often medical professionals will try a mixture of medical prescriptions to cure the patient. This can be very difficult for the patient. There has been a lot of research done the last few years on how people suffering from depression can deal with the symptoms naturally, using remedies that are environmental as well man made.
Herbal Remedies
All one needs to do is walk into a grocery store, or department store and you immediately see organic sections or shelves of herbal remedies. Herbal remedies for depression are becoming extremely popular, not only do they help with the symptoms but they also promote a healthy lifestyle. The side effects of herbal remedies such as fish oil capsules, folate and vitamin treatment are minimal when compared to strong antidepressants that most health care professionals prescribe. It is important to understand also that antidepressants can have a reverse effect and makes some patients more depressed and even suicidal. You need to be monitored regularly by your doctor and be weaned off the drug if you decide you don't want to take it anymore.
Foreigh Treatments
Many people choose to use foreign treatment options; traditional Chinese medicine for example is a popular method that is becoming more and more popular in western cultures. These traditional methods not only help to cure the depression but also work to boost your mood. There are a number of alternative options available and it is always a good thing to do a bit of research as to what is best for your situation.
Many would argue that the best method for a person to overcome depression is to simply talk about the problem. Often people are afraid to share their problems with loved ones, either because they do not want to burden them, or they may be embarrassed to admit they have a problem. Group therapy is an excellent way to overcome depression issues. Sitting in a group setting and hearing other people discuss their thoughts and feelings can often make a person look at their situation and feel better immediately. Perhaps their problems aren't as bad after all. Many people feel at ease when they can actually sit down and discuss what is bothering them. And having others that have the same or similar issues there to listen is essential.
No matter what method you choose to take care of your depression it is important to realize that the prognosis is good if you are honest with yourself and communicate your feelings. The worse thing you can do is withdraw into a shell and ignore your thoughts and feelings.
Natural Remedies for Anxiety
Anxiety can be very difficult to deal with. It is often not fully understood by people without anxiety. Taking a few steps can alleviate your systems of anxiety.
Difficulty in Falling Sleep
Anyone who has anxiety knows how difficult sleep can be during bed times, thus making the anxiety worse. Ensuring you have a good nights sleep will help with anxiety and a lot of other issues. Avoiding caffeine or late night meals, only using your room for sleeping, and having a comfortable bed will help greatly in getting a good nights sleep. Sleeping well and feeling refreshed is a huge step in curbing anxiety problems.
Avoid caffeine completely. If you have anxiety, caffeine is best to be avoided completely. This acts as a stimulant and speeds up the thought process and brain in general. If you have anxiety, you basically want the opposite of that. If you enjoy coffee you can switch to decaf, or better yet, try some natural teas. Tea also contains caffeine, but in much lower amounts. It would also be a good idea to avoid other drugs or even alcohol, as these are also known to increase anxiety levels.
Exercise is Great Remedy
Exercise is one of the most natural and healthy ways to alleviate symptoms of anxiety. A lot of people with anxiety have excess energy. If you can you can use the energy in a healthy and productive way, you are taking a huge step on taking control of your anxiety. Not only does it keep you busy and burn extra energy, but exercise will also help you in having a better nights sleep.
To curb your anxiety short and long term looking into breathing exercises is a great idea. When you can master this, you will almost certainly be able to control your anxiety. When you practice a breathing exercise, you are basically trying to reset your mind and get control of your thoughts again. Even doing this once every hour, for just a minute or two will help tremendously. You can create your own exercise, it does not even have to be breathing, maybe just a simple walk around the block every couple of hours.
Avoiding stressful situations can be a great proactive way of avoiding anxiety problems from even manifesting. Certain people or tasks can be very aggravating to the anxious person. When you need to go somewhere, looking into public transportation or alternative options can be helpful, as a stressful commute can raise your anxiety level for the whole day, and it can stay there.

subset: commoncrawl


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History becomes more that a succession of place names and battles. Carroll explores not only how these forgotten places forged our identity as Americans, but why they have been forgotten in the in first place. Women and minorities are often shortchanged in history books, but many previously forgotten accomplishments are enthusiastically set forth.
The details are fascinating, but part of the appeal is the author also journeyed to these sites and often met with eye witnesses or direct descendants to add another layer of interest. One story leads whimsically to another. Some are amusing. Richard Hart, a federal agent who fought bootleggers was Al Capone's brother. Some are chilling. Madison Grant was a fervent conservationist who saved the buffalo from extinction and the redwoods from the lumberman's axe. He was also a die-hard racist whose writings influenced Adolf Hitler.
Well-written history should read like well-written fiction and this certainly does. Be warned. After reading this book, you will have a difficult time passing a historical marker.
Here is Where Buy Link


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The Running Doctor: Resting up during the winter months
This is the time of the year when you should reduce your training session.
Race schedules tend to slow down with the coming of the holidays and it is time to give your body a chance to recover from any lingering injuries. Exercising before an injury has healed may not only worsen it, but may actually decrease the chance of recovery.
Runners who continue tough training sessions year-round will fall victim to staleness, which creates fatigue, worsens performance, and can lead to depression. When staleness persists with extreme fatigue, an iron deficiency often occurs. Iron deficiency can also be present if you are anemic.
Research has shown that runners in heavy continuous training tend to develop iron deficiency. In some cases, the blood count may be normal but the body can be completely out of iron stores, which are necessary for the body's cellular makeup to function properly. It takes at least two months of daily iron supplements to build these stores back to normal. If you are not sure if you have an iron deficit, a serum ferrin blood test can be done. However, studies have shown that bone marrow aspiration is the only foolproof method to evaluate low iron stores.
Overtraining can also bring on vitamin deficiencies. I recommend that a daily intake of Vitamin C, as well as Vitamin B Complex, be taken in heavy training sessions.
There can also be a decreased supply of potassium and magnesium in the blood levels when fatigue sets in during heavy training session; if this fatigue is allowed to continue one may develop colds, a sore throat, or cough.
So, for the winter, take a week off or cut down your mileage and learn to keep in touch with your body. Listen to your body- physically, mentally, and spiritually.
Dr. Robert F. Weiss is a podiatrist specializing in foot and ankle surgery, Weiss is a veteran of 35 Marathons and has a practice in Darien, affiliated with Stamford Hospital and member of Stamford Health Medical Group-Foot & Ankle Institute, and resides in Westport.
For info visit his Web site at www.stamford
healthmedicalgroup.org, and find a Physician-Dr. Robert F. Weiss.


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|Julien Danjou
|Re: ELPA update
|Wed, 28 Sep 2011 09:48:23 +0200
|Gnus/5.110018 (No Gnus v0.18) Emacs/24.0.90 (gnu/linux)
On Tue, Sep 27 2011, Chong Yidong wrote: > It's done manually, a couple of times a week (if I remember). If you > want it updated, shoot me an email and I will do it; you'll also need to > bump the version number so that the package manager sees the change as > an update. Yeah, I did that. > It seemed preferable to have some human component in the procedure of > rolling out packages to users. For instance, I try to scan the bzr logs > before doing each update. > > But I'm open to arguments for simply setting it up as a cron job. I hope that the checks are done before commiting. :-) So I'd rather like a daily cronjob rathen than disturbing you each time I commit a bugfix that I want to give to users. And as the number of package will increase, I'm not sure you'll be able to do this review manually so, it might be best to trust us on short term. :) -- Julien Danjou
Description: PGP signature
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GP always bring all those exciting offer for those connection, what is unused for a long time (bondho SIM). At the recent time the company announce GP bondho SIM offer for unused connection. Only postpaid users will receive those facility. Let me explain the offer detail and about it's pricing.
GP bondho SIM offer and its detail –
Talk time offer – GP to GP .5 paisa per second (12.00 AM to 5.00PM). GP to other operator 1 paisa per second (24 hour)
Free internet – enjoy 29MB free internet after recharge 29 taka on you reconnect SIM. Or you can use Grameenphone regular internet package.
Who will get the bondho SIM talk time offer?
To get the bondho SIM offer, at first you should get sure that, you are under the campaign. Only those user who does not user there SIM after 19th February of 2016, they can under the offer. To check type Apr 17XXXXXXXX' and send to 9999 at free. It will be notify you o reply message. User must registration her SIM first.
To How to get the Grameenphone bondho SIM offer 2016
Recharge exactly 29 taka on your Grameenphone connection. After recharge the exact amount on you connection the bonus will automatically added on your balance.
Note – unregister users are cannot get the GP bondho SIM offer. User must register there number first. At the time of offer, the my zone system will unviable. 19% extra change will catted.


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Working in central Alberta, east of Calgary, in May 2017. It is tough to spot a Boreal Chorus Frog, despite how easy it is to hear them, because they are small and tend to hide when potential predators are near. This brave little frog made eye contact with Cam Nordell a few feet away and continued to sing.
Photo by Cam Nordell.


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Your SME team will be happy to help you to make the best choice and to answer any of your administrative and/or technical questions. Our employees are very knowledgeable about each of our customers' backgrounds and can advise you on all of your energy projects.
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3 listed
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Glendale Guest House4
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"Friendly welcome, clean & tidy room and a cracking breakfast. What more do you need?..."
About the hotel
Glendale is a unique Victorian House built in 1830 with spectacular views over Rothesay Bay We are a 5 minutes walk from the pier and town centre. The residents lounge is situated on the first flour and has panoramic views of the Bay and surrounding hills so why not sit back with a glass of wine and watch the world go by
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God is not dead,
nor does he cause
the trials and losses
of this life.
He does not stand aside
at the time of suffering,
but enters in
with us.
He is not the froth
of waves thundering
after the storm.
He cannot be controlled
by ritual or demands,
nor does he gloat
over the hurt
of sinners.
He is not in the spilt blood
of our children
or the thunder of bombs,
God cannot be defined
by our desires,
nor is he in the burning slag
of hatred and greed.
God is…
© Maureen Sudlow
For the DVerse poets them 'via negativa'


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Scripture Reflection
"Better is a poor person who walks in his integrity than one who is crooked in speech and is a fool." Proverbs 19:1
Week 4- Understanding your Values
When you can align your health with your values, being healthy is not work, effort or something to dread. As you remain aligned, in time, being healthy will become a natural extension of who you are as a woman of God. But first you must understand what your core values are. For this exercise, you will share your values by completing the values assessment.
Complete the Haven Values Assessment if you have not already done so and share your 5 top values then share how you've started to incorporate at least one of them into your health program.
[button link="http://cathymorenzie.com/members-area/haven-membership-area/" type="big" color="orange"]Haven Home[/button]


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Atkins is going through an exciting period of change. On July 2017 we were acquired by the Canadian listed construction and engineering firm, SNC-Lavalin. SNC-Lavalin is one of the leading engineering and construction groups in the world and a major player in the ownership of infrastructure. Our work focuses largely across the transport, infrastructure, energy, aerospace and defence sectors where we're involved in the delivery of major projects such as Hinkley Point, HS2 and Heathrow Airport expansion. The combined group now has approximately 50,000 employees around the world and both Atkins and SNC-L's offerings combined give us the opportunity to continue our growth.
Job Description
The work of the HR Shared Service team is key to supporting the business, line managers and employees in all things HR. This team provide the HR face to the business and HR Services need to be delivered with passion and commitment providing a consistently great customer experience and making sure services deliver optimally meeting all policy and compliance requirements. The Shared Services Team also includes responsibility for improvement – how can systems, processes and data be optimised to make the service even better and take a pro-active approach to lead not just respond to business requirements.
The HR Shared Services Advisor is accountable for the resolution of cases which the HRC are unable to resolve. They would also act as a point of escalation for queries both from the UK and Indian based teams. This role will work as part of a small team in a cross functional manner across all HR systems, processes and procedures. As the role develops, they might also get involved in process optimisation.
This role is currently being advertised as 3months FTC.
• Knowledge and expertise with a recognised HR qualification preferred, or qualified through experience
• Demonstrable success in an HR Service role
• Excellent understanding and experience of working with HR systems preferred
Essential Criteria
• Generalist HR advisory experience across a range of HR activities/processes with specialism in one or more HR process areas
• Strong computer skills across the full range of Microsoft Office applications, in particular Excel, Word and the use of mail merge, and prior experience of HR databases
• Diagnostic and analytical skills with the ability to listen actively, ask probing questions and analyse requirements
• Ability to apply judgement to resolve individual cases
• Ability to identify and address or escalate risk
• Excellent written and oral communication skills
• Outstanding customer focus and the ability to manage customer requirements through a partnership approach
• Professional and flexible approach to work and to managing customer needs
• Willingness to own tasks and the resilience to work through issues to conclusion, maintaining energy and motivation
• Credibly provides sound advice, accurate information and timely support to all stakeholders
• Previous experience of working in a shared services environment
• Ability to drive improvement through the assessment of existing processes and implementation of new processes.
• Keep up to date with policy, process and documentation changes maintaining ability to respond to a full range of HR queries
• Ability to build strong working relationships/networks with all stakeholders and maintain a high degree of integrity
• Persuasion and influencing skills
• Experience of working on projects
• Confidentiality with the ability to handle sensitive situations within data protection legislation
Desirable Criteria
Stakeholder management and customer interaction within an HR Shared Service operation with multi-country and multi-cultural teams
• Build excellent working relationships with Business Leaders, HR teams, employees and key stakeholders
• Provide a professional advisory and administrative service to business colleagues across a broad range of HR queries and processes, including supporting with complex case management, producing correspondence, handling customer queries, monitoring reports and documentation
• Support the HR Shared Services Senior Advisor in one or more HR process areas, advising on policy /service impacts of proposed process changes ensuring they are compliant and support process delivery standards
• Apply specialist knowledge as appropriate
• Maintain and update online HR policy and procedure reference documentation online – Knowledge Base
• Provide skills and knowledge to efficiently deliver an outstanding performance against agreed SLAs
• Work with HR Shared Services Senior Advisors to support resolution of cases from managers and employees referred by HRC in line with Governance requirements and service SLAs
• Manage delivery of assigned tasks and queries within scope of personal and team workload and agreed handoffs
• Identifying customer needs, seeking and providing effective solutions to their queries
• Analyse caseload individually and across the team and identify improvements and issues
• Work in rotation as part of AskHR Service Desk managing stakeholders to ensure queries are dealt with in a timely manner to meet SLAs and customer service principles.
• Signpost and transfer employees to other HR service lines where appropriate.
• Advising HRC services teams around HR Services policies and processes
• Advising employees and line managers around HR Services policies and processes
• Clearly understand service delivery boundaries and hand offs and operate within them
• Ensure current statutory and legislative requirements are being complied with
• Use the case management and HR system to record and maintain accurate records about activities and tasks undertaken and update HRMS as required
• Work pro-actively to support and deliver excellent customer experience
• Have a proactive and collaborative approach, working with HR colleagues and stakeholders to ensure timely and professional delivery
• Manage assigned cases on own initiative and work with HR Shared Services Senior Advisors in dealing with complex cases
• Liaise with teams within HR Services, HR Business Partners and Centres of Expertise for escalation and resolution of queries and cases
• Support the HR Shared Services Senior Advisor in the delivery of key, standardised HR processes
• Work on 'Agile teams' to deliver project activities e.g. large scale restructuring, acquisition, simplification activity, etc.
• Identify and raise continuous improvement opportunities to the HR Shared Services Senior Advisor
• Support the implementation of continuous improvement initiatives in processes and systems
• Keep up to date with future trends in HR Services and participate in internal HR Innovation and Improvement forums
Atkins develops individuals through a portfolio of training and development activities designed to help you make the best of your abilities and talents. These are reviewed with individuals through an annual appraisal process. We actively support staff in achieving corporate membership of relevant institutions.
Atkins offers a fantastic range of benefits, which you can tailor to suit your own health, wellbeing, financial and lifestyle choices. All the information you need to know is available on our dedicated benefits portal; your reward, which is available to access 24/7 from any device:
This role may require security clearance and offers of employment will be dependent on obtaining the relevant level of clearance. If this is necessary it will be discussed with you at interview.
If applying to this role please do not make reference to (in conversation) or include in your application or CV, details of any current or previously held security clearance.
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About UsHow We Help
How We Help
Custom strategies for financial services businesses
We are management consultants with tested industry expertise, who produce innovative and executable business strategies. We deliver methodical strategic planning and clear implementation tactics to address the challenges of financial institutions today.
Singular financial services focus
As a specialist consultancy, we excel at generating innovative and well-defined strategies tailored to each client. Patpatia & Associates is defined by our:
• Hands-on knowledge of the financial services industry
• Results orientation, focused on guiding projects to successful execution
• Detailed advice and guidance to manage implementation risk
• Consistent history of success with business and technology innovation
PrinciplesGuiding Philosophy
Guiding Philosophy
A partnership focus
We aim to work with client stakeholders as a true part of the team. When preparing for any assignment, we tailor our services and approach to ensure that the specific needs of the client are addressed. We start every engagement with a fresh perspective, allowing us to adapt our activities to each company, as well as emerging trends in the marketplace.
We don't simply deliver a presentation and consider a job done. We continue to work closely with senior managers until objectives are met as expected, and our knowledge base is transferred into the client's organization.
Specialized expertise
The financial services are our singular focus. Our professionals have years of industry knowledge and operating experience with developing and executing wealth management, insurance, and asset management business strategies – we don't need to "learn on the job". Our work is also continuously informed by extensive proprietary industry research and analysis.
Execution-oriented approach
With any strategy, our ultimate goal is to see it successfully implemented. We work closely with clients throughout implementation, taking on general oversight, project management, and any other required role to realize the business vision.
ExperienceRepresentative Clients
Representative Clients
Over 20 years of demonstrated results
Our consultants are true practitioners, with years of operational and consultative experience in the financial services. From go-to-market planning, to design and assistance with implementation of operational capabilities, we have worked for over two decades to help our clients achieve their business goals.
Leading financial services companies trust us to deliver
Patpatia & Associates has worked with leading firms in the financial services industry throughout the Americas, Europe, and Asia. Our clients benefit directly from our strategic outlook and knowledge of domestic and international markets, as well as from the long-term relationships we have developed with industry participants, such as technology and service providers, that assist in delivering on the solutions we shape.
We are proud to have worked with the following companies, and we have long-term relationships with many of them:
Select Clientele
INDUSTRIESIndustries Overview
Industries Overview
Expertise Across the Financial Services
From strategy through execution, Patpatia & Associates delivers solutions across three principal industry practice areas:
• Wealth Management – we work with brokerage firms, retail & private banks, insurers, and other wealth providers, developing innovative offers, marketing strategies, investment programs, and technology platforms. Read More >
• Insurance – we help insurance and reinsurance companies to grow their core businesses through entry into new markets, expanded distribution channels, improved infrastructure, and optimized investment programs. Read More >
• Asset Management – we help firms execute domestic and global market growth strategies within both retail and institutional markets. We also proactively help asset managers enter into the insurance asset management marketplace. Read More >
Wealth ManagementOverview
Helping Wealth Managers Excel for the Long Term
Wealth management firms face mounting challenges to growth, including showing differentiation in a compressed market, meeting on demand client servicing expectations, and managing increasing regulatory scrutiny. We help global & regional brokerages, retail & private banks, and advisory firms to reposition themselves to remain competitive.
Our general areas of expertise include:
• Offerings and Advice Experiences
• Technology and Infrastructure Modernization
Custom Solutions to Help Insurers Excel
Insurers today face many challenges – shifting consumer demographics, rapid technological change, and regulatory & risk management concerns. Patpatia & Associates provides life, P&C, and health insurers & reinsurers with actionable solutions to increase growth, improve competitiveness and drive profitability in the near- and long-term.
We help insurers generate results through:
• Market and Distribution Expansion
ASSET MANAGEMENTOverview
Custom Blueprints for Building Investment Businesses
Improving profitability and growth can be a challenge in today's competitive and increasingly regulated marketplace. Our Asset Management Practice helps clients build sustainable investment businesses, offering a combination of experienced operating perspective, proprietary industry research, and hands-on implementation support.
We work with established asset managers, diversified financial services providers, and investment boutiques to enter new markets, innovate managed products, and rework distribution platforms to drive successful asset gathering domestically and internationally.
Our consulting services focus on three areas:
• Retail and Private Client Investments
• Institutional Asset Management
Wealth ManagementMarket Development
Market Development
Seizing Opportunities for Growth
We help clients sustainably grow by both uncovering new business opportunities, including entry into new markets, and enhancing the productivity & reach of current channels.
Our strategies include:
• Unlocking new client segments (e.g. HNW, mass affluent, 401(k)/retirement plan) for near- and longer-term growth
• Deploying segment-specific marketing plans to maximize brand recognition
• Deepening wallet share by providing training programs and tools to increase advisor productivity
• Developing complementary sales models (e.g. advisor, direct, bank) to improve market saturation
Wealth ManagementOfferings and Advice Experiences
Offerings and Advice Experiences
Building a Relationship, rather than Making a Sale
Both investors and regulators are demanding genuine trusted advisors, and pushing out "salespeople". Firms can help advisors provide trusted (fiduciary) advice by positioning products to match individuals' financial goals, and changing the sales process into a relationship building experience, where the advisor makes recommendations specific to what he or she has learned about the investor.
Ways we help include:
• Designing advice-embedded offerings and liability-driven portfolios, to better match with the objectives of individual investors (e.g. retirement, education)
• Standardizing product suites (e.g. pricing, features, compensation) to increase transparency, simplify communication with the investor, and ease upselling over the lifetime of the relationship
• Implementing new, training, workflows and tools (e.g. financial planning, CRM) to naturally guide advisors towards prudent client discovery and demonstrably "best interest" recommendations
• Creating digital presence for the firm and advisor to be continuous, on demand resources in investors' lives, rather than ad hoc, transaction facilitation tools
Wealth ManagementTechnology and Infrastructure Modernization
Technology and Infrastructure Modernization
Making Technology Work
Effective technology and infrastructure platforms can be the difference between a firm that excels, and a firm that falls behind. Strong platforms increase home office efficiency, attract new advisors, and power long term growth. We work closely with both financial institutions and vendors to create differentiated solutions.
Our capabilities include:
• Uncovering and resolving inefficiencies in front-, middle-, and back-office systems & operations (e.g. outdated manual processes, poor system integrations)
• Introducing new technologies that make a meaningful difference to both the producer desktop and back-office environment (i.e. value generated far exceeds one time change and ongoing costs)
• Creating & executing total enterprise data management strategies to unify platforms, including those employing many best of breed point solutions (e.g performance reporting, rebalancing, compliance)
INSURANCEStrategic Optimization
Strategic Optimization
Positioning Insurers for the Future
We help management and owners to develop and achieve their growth objectives by collaboratively implementing new business models and and acquisition-driven expansion tactics. Our strategies capitalize on global market, competitive, and regulatory trends to help clients reinvent their businesses.
Services include:
• Strategic enterprise assembly, guiding the combination of complementary insurance underwriting and distribution entities into sustainable growth engines
• Customer-centric transformation targeting underpenetrated segments and emerging opportunities that are synergistic with firms' capabilities
• Strategic acquisitions & integration to build out new capabilities and market reach
• Capital management and reinsurance strategies directing resources to value creation and profitability enhancement
• Investment return maximization by redesigning the investment operation, including analyzing the organization, portfolio strategies, and liability-driven investment processes
INSURANCEMarket and Distribution Expansion
Market and Distribution Expansion
Promoting Sustainable Growth
Patpatia & Associates helps insurance companies adapt to changing consumer demands and access new markets. We work with clients to improve revenue dynamics by both identifying underserved segments and reworking product offerings & marketing practices. We also help our clients implement integrated distribution systems, ensuring access to customers at all possible touchpoints.
Our strategies include:
• Customer-focused solutions packaging customized products, services, and marketing across segments (e.g. pre-retiree, elder market, wealth management)
• Establishing complementary sales channels, including financial institution, worksite, and affinity markets
• Digital sales transformation empowering agents via integrated in-person and online customer engagement, as well as developing self-service robo-distribution models
• Data-driven marketing, applying big data and analytics to inform sales engagement and value-added advice delivery
• Sales force performance improvement with programs to develop field productivity, migrate agents up-market, and guide change management for relationship-based servicing
INSURANCEOperations Reinvention
Operations Reinvention
Greater Efficiency Through Modern Platforms
Patpatia & Associates helps insurers upgrade outdated infrastructure and technology, eliminating inefficiencies and accelerating growth. We launch firms into the modern marketplace by overhauling current practices and introducing new solutions.
Activities we undertake include:
• Operating model definition including internal and external servicing infrastructure design
• Process improvement harnessing new digital straight through workflows to eliminate the inefficiencies and inflexibilities of legacy core processing
• Platform rationalization consolidating key business functions (e.g. underwriting, policy admin, claims) across business units
• Digital servicing deploying integrated, multi-channel delivery platforms to support on-demand access and improve distribution effectiveness
• Enterprise risk management and surveillance automation to reduce human, competitive, and market exposures
ASSET MANAGEMENTRetail and Private Client Investments
Retail and Private Client Investments
Capitalizing on Opportunities for Expansion
Patpatia & Associates helps equity, fixed income, and alternative managers capitalize on today's dynamic investment marketplace by uncovering new opportunities in individual investor markets. We have experience in all aspects of creating a leading asset gathering process, spanning product innovation, marketing, and distribution.
Our services include both the development of strategic business blueprints, as well as implementation support:
• New investment business development including segment-specific product & service strategy (retirement, mass affluent, etc.) and marketing plans tailored for advisor-driven and direct channels
• Distribution channel expansion to harness new bank, brokerage, & insurance outlets via specialized marketing & servicing programs and improved sales management
• Private client asset management business enhancement spanning scalable client engagement models and operating process & multi-vendor deployment
• Value-added retail fund distribution platforms, including liability-centric fund of fund solutions and enhanced advisor digital technologies (e.g. roboadvisor-like tools)
• Streamlining operations by reengineering portfolio implementation processes, customer reporting & servicing, and front-, middle-, & back-office platform
ASSET MANAGEMENTInstitutional Asset Management
Institutional Asset Management
Maximizing Asset Gathering in Underserved Institutional Markets
Patpatia & Associates works with both traditional and alternative asset managers to build sustainable growth in new institutional markets on both a domestic and a global scale. Our strategies include:
• Market segment strategy, including identifying and harnessing untapped opportunities (e.g. insurance cos., family offices, small-to-mid-sized institutions) and global expansion
• Offers and pricing optimized for specific target clientele
• Solution-based marketing programs including multi-asset portfolio construction and LDI to provide superior value directly to institutional investors that complement investment consultant relationships
• Institutional business infrastructure, including assembly of segment-specialized servicing, analytics, and technology platforms
• Marketing & distribution organizations and entry tactics tailored for each market's unique competitive and regulatory needs
ASSET MANAGEMENTPrivate Equity Advisory
Private Equity Advisory
Developing Investment Opportunities
We help private equity firms, hedge funds, and proprietary investors acquire and grow businesses in insurance, banking, asset management, brokerage, fintech, and other financial services-oriented industries.
We work with general partners in several areas:
• Strategic opportunity assessment & target identification pinpointing under-valued market segments and companies with potential for attractive value realization
• Business due diligence harnessing our deep financial services knowledge to analyze business fundamentals and the viability of potential venture & buyout investments
• Strategic combination advisory driving multi-company synergies, as well as managing the integration process
• Turnaround guidance diagnosing inefficiencies as well as revenue enhancement opportunities, and assisting management with the reengineering of operations to unlock profitability
• Infrastructure enhancement upgrading front-, middle, and back-office technologies to boost competitiveness
• Market & channel extension aligning segmented marketing and sales strategies to harness new advisor and digital distribution outlets
Strategies & SolutionsOverview
We know financial services
Patpatia & Associates has a singular focus on financial services and fintech businesses. This allows us to provide creative, well-defined, and customized solutions for any challenge our clients present.
We do what it takes to drive your business forward
Patpatia & Associates has a range of services for all aspects of a financial services business, from strategic business planning, through the implementation of focused solutions.
We provide consulting services across all financial services business areas, helping our clients improve their performance and achieve their business objectives:
• Marketing, Sales, and Product Management
ServicesBusiness Strategy
Business Strategy
Intelligent Planning for the Near- and Long-Term
Success does not just happen. The most successful firms develop thoughtful plans, informed by experience and market insight.
Patpatia & Associates approaches each strategic challenge with a fresh, market-focused perspective, and strives to push our clients beyond the competition and on to higher returns.
Our strategies are defined by:
• Genuine performance improvement – the clear mission for each of our strategies is a quantifiable gain in performance, generated through increased revenues, lower costs, and improved efficiency
• Concern for the future – identifying global business trends & forces and anticipating future challenges are key to building the groundwork for a strategy that supports sustainable growth and advantage
• Real world market understanding – each member of our team has deep experience working with financial institutions on fundamental challenges
• Practical implementation – having a plan is not enough, we ensure our strategies can be reasonably implemented, taking into account the firm's resources and other constraints
ServicesMarketing, Sales, and Product Management
Marketing, Sales, and Product Management
Reaching and Keeping Customers
Firms aim to engage customers in a compelling way, that isn't too costly. Patpatia & Associates has many services to help our clients attract new prospects, close more sales, and improve client retention.
Our capabilities include:
• Market opportunity and entry analysis – we uncover and assess opportunities in both current and new markets to ensure our clients access all potential sources of revenue
• Brand strategy – we develop compelling branding strategies that connect our clients to potential customers and provide built-in credibility
• Distribution channel management – we guide business practices, field oversight, ongoing education, and other strategies to improve sales in current channels
• Product design and pricing – we help clients create innovative, customer-focused, profitable products to meet consumer demand and generate sustainable revenues
ServicesTechnology and Operations
Technology and Operations
Aligning Systems, Processes, and People
A financial institution's home office infrastructure plays an important role in its success. Patpatia & Associates works with clients to ensure internal systems, processes, and people are well-positioned for stability and long-term scalability.
Solutions and services that we provide include:
• Constructing cohesive, up to date technology platforms – we create strategic design blueprints, compose functional requirements for build projects, analyze external vendors, project manage implementations, and perform numerous other functions
• Designing efficient organizations – we analyze front-, middle-, and back-office operations to uncover efficiencies and implement solutions, including redesigned workflows
• Enhancing risk management and compliance practices – we ensure key risk exposures are addressed, and help implement disciplined supervision and compliance processes, including automation where available
• Supporting M&A and strategic alliances – we identify targets, conduct due diligence, and support execution of acquisitions & alliances to capitalize on business synergies and accelerate firm growth
ServicesCustomer Experience
Customer Experience
Changing from Transactional to Trust-Based Relationships
Both investors and regulators are demanding that advisors and firms provide recommendations that are in the client's "best interest" (i.e. fiduciary), rather than simply facilitate transactions. Firms can use this movement as an opportunity to position themselves and their advisors as valuable, continuous resources for investors and their financial well-being.
Services and solutions we provide to help firms with this transition include:
• Coordinated in-person advisor and digital interaction – we design business models where both the advisor and digital tools play discrete roles in the client relationship, and help with public branding and advisor guidance to avoid disintermediation concerns
• Customer lifecycle management – we help segment clients by servicing need and identify key engagement "moments" to improve customer satisfaction and increase cross- and up-selling
• Sales force enhancement – we develop strategies and programs (e.g. training, teaming, incentives) to help advisors & field management offer better customer experiences and build stickier relationships
WHITE PAPERThe Fiduciary Standard is Here to Stay
WHITE PAPERDOL Fiduciary Compliance
InsightsResearch & White Papers
Research & White Papers
Insurance Companies Alternatives Analytic: Spring 2016
Based on wide-ranging interviews with insurance company investment executives, this extensive report analyzes insurer's growing usage of alternative asset classes, with a particular focus on hedge funds.
2015 Insurance Asset Management Analytic – A Bridge to Corporate Profitability
Download this 150-page, in-depth exploration of insurance asset management industry trends.
Next Generation Managed Advice: Spring 2015
Developing lifetime relationships & UMH programs through advanced wealth solutions, advisory experiences, operations, and technologies.
Alternative Investments in Insurance: Spring 2015
Read about the increasing utilization of alternative investments in insurer general accounts.
Insurance Asset Management Market Dynamics 2014: Market Summary
Learn about emerging trends in the insurance asset management marketplace, as well as their implications for insurance companies and asset managers, in this white paper based on key findings from Patpatia & Associates' 2014 Insurance Asset Manager Report.
2013-2014 Insurance Company Analysis Report
See a sample of our 2013-2014 Insurance Company Analysis Report (ICAR), which includes in-depth business and investment information for 250 of the largest insurance companies in the United States. Please contact us at email@example.com for more detail on the full report.
Reeingineering the Client Experience for Improved Asset Gathering
Learn how leading financial institutions, from brokerages to banks and insurance companies, are remaking themselves as customer-centric purveyors through enhanced communications strategies, channel development, planning-based client engagement, total wealth solutions, and innovative wealth technologies.
Wealth Management Fixed Income Study
Learn more about the July 2013 study conducted by Patpatia & Associates which analyzes the fixed income marketing, pricing, and support practices of wealth management channels.
2012 Insurance Asset Management Market Dynamics
Review the latest installment of Patpatia & Associates' analysis of the asset management practices of U.S. insurance companies and the money management firms that serve them, which was conducted in conjunction with Thomson Reuters. The study includes an evaluation of insurance company investment trends, as well as profiles of the varied managers targeting the insurance industry.
European Insurance-Driven Investments
Learn about the expanding market of insurance assets in Europe, with profiles detailing the leading insurance asset managers. The study includes insurance's role in Europe's wealth markets and insurer's investment practice.
Advice-Embedded Solutions
Find out how a broad array of wealth managers are deploying new liability-driven managed money platforms, including retirement income vehicles.
Liability-Driven Investments – Investment Strategy & Benchmarking
Learn about the market leading approaches to risk-managed investment strategy and benchmarking, as firms increasingly need to formalize their investment policies, enhance risk management, and improve business line and corporate profitability.
InsightsIndustry Thought Leadership
Industry Thought Leadership
Insights – Industry Thought Leadership
WSJ / October 2016: How to Incorporate Robo Services in Your Practice
FundFire / May 2016: Been Fired? Don't Ruin Your Chances for Future Mandates
Financial News / April 2016: US Insurers Plan Hedge Fund Expansion
Insurance Asset Risk / April 2016: US Insurers Raise Exposure to Alternatives
FundFire / September 2015: Managers Boost Sales Teams to Grab Piece of Surging Insurance Market
FundFire / September 2015: Investors Bet on Hedge Funds Despite Wild Markets
Pensions & Investments / August 2015: Insurers Increasingly Sending Assets Outside
Insurance Asset Risk / July 2015: Insurers Juggle Different Approaches to Combat Low Returns
Reactions / July 2015: Regulations Challenging Investment Strategy
LifeHealthPro / July 2015: Health Insurers Buy More Alternative Assets
NAIC Capital Markets Bureau / 2014: U.S. Insurance Industry Third-Party Investment Management
Best's Review / July 2014: Other People's Money
The Wall Street Journal / June 2014: AIG, Oak Hill Join to Lend to Midsize Firms
Financial News / June 2014: US insurers diversify into alternatives
Intelligent Insurer / January 2013: More insurers outsource asset management
NAIC / August 2011: Capital Markets Special Report
Financial News / August 2011: Fund chiefs train their sights on insurers
Reactions / 2011: Asset Management 2011
InsightsAlternative Investments in Insurance
Alternative Investments in Insurance
Meredyth Sneed - Alternative Investments in Insurance
This paper previews the results of a P&A research initiative, tracking the increasing utilization of alternative investments in insurer general accounts. For this study, we are speaking with investment management decision makers at firms of all business lines and sizes, and with a range of experiences investing in alternative assets.
The linked whitepaper, Alternative Investments in Insurance, provides a preview of the results of this study.
If you are interested in participating in this research, or would like the results, please contact us at email@example.com.
Insights2015 Insurance Asset Management Analytic
2015 Insurance Asset Management Analytic
Insurance Asset Management – A Bridge to Corporate Profitability
Meredyth Sneed and Amelia Lanfrankie – Spring 2015
This wide-ranging analysis evaluates the key business trends influencing the insurance industry, including how insurance companies are reorienting their investment strategies and reengineering their investment units to address the challenging economic environment. We consider how these changes impact the breadth of insurance businesses, identifying emerging trends in Life, Health, P&C, and Reinsurance investment approaches. By examining these trends from the perspective of both domestic and international insurers, we seek to present a comprehensive view of an industry that is becoming increasingly global. We also consider the opportunity this presents for asset managers, both traditional and alternative, and the tactics they can use to capitalize on its potential.
Read press coverage of Patpatia's Insurance Asset Management Analytic:
Please click here for a free download of the report.
CareersApply with us
Apply with us
About Working at Patpatia & Associates
Patpatia & Associates has an entrepreneurial and fast-paced environment that offers an outstanding opportunity for professional and personal growth. Our staff is comprised of some of the best and brightest people in the industry.
Patpatia & Associates recruits entry-level business analysts, senior associates, and interns to join our team. Qualities of successful candidates include: creativity, a strong work ethic, tenacity, self-confidence, an ability to work in an unstructured environment, and a strong interest in the financial services industry. Candidates should be self-motivated and have a demonstrated ability to work independently in a proactive manner. College degree required (except for interns with talent).
Please submit your resume and cover letter as an attachment using the form below (Word or PDF file).
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We welcome any comments, questions, or requests for more information you may have. Please fill out the following simple email questionnaire and we will reply as soon as we can.
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Few weeks back, Pokemon Go was a worldwide phenomenon that attracted everyone with its augmented reality-based magic game. Even though it has lost a little enthusiasm now, It isn't the only game in the series. Two more titles – Pokemon Sun and Pokemon Moon that were announced earlier for Nintendo 3DS are supposed to hit the console in November.
Now, the India prices for the games have been revealed. Both Pokemon Sun and Pokemon Moon have been listed on Game The Shop and Amazon India's website at Rs 4,099/- and are available for pre-orders. In addition, the Amazon India listing also reveals the release date of the games. As per the listing, Pokemon Sun will be released on November 16 and Pokemon Moon is set to release on November 18.
Both games will be available in French, Italian, German, Spanish, English, Korean and Japanese languages. They will also be compatible with Pokemon Bank, where users can store their Pokemon. Nintendo has already mentioned that the games will have a character named Professor Kukui and her assistant Lily, both will have an important role in the game.
In related news, Pokemon Go's popularity seems to be fading in the US. At its peak, estimates said Pokemon Go reached more than 40 million daily active users. But currently, developer Niantic has no cause for concern. The app is still a hit in multiple parts of the world and current numbers are still very impressive, especially for a new product.
Checkout latest news at itvoir.com
From ITvoir News Desk


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#2 "Read with a pen in your hand and enter in a little book short hints of what you find that is curious or that might be useful; for this will be the best method of imprinting such particulars in your memory, where they will be ready on some future occasion to adorn and improve your conversation." -Benjamin Franklin
Harvard has posted on their website a page titled, "Six Reading Habits to Develop in Your First Year at Harvard." What is their number 2? My classroom calls it "jotting". Harvard calls it "annotating." Benjamin Franklin calls it "short hints". No matter what the name is...active engagement and interaction with a text will support students in comprehension, engagement, and prepare them for future conversations. I remember how awkward some students felt at the beginning of the year...they were not use to actually "jotting" their thoughts, wonders, confusions, or "ah-ahs" on paper. There was the feeling of "jotting" a right response. After much, much, much modeling, students learned that jotting is more than post-its. It is determining what you want to hold onto after previewing a book to support your understanding. It is determining the point in which the student entered into engagement with the text. It is noting points of confusion, new words, or monitoring comprehension.
The key to "annotating" was letting the students see all of the tools they could use beyond a highlighter. In fact, if you read the article, Harvard discourages highlighters. Read the article to find out why! :) From post-its, to charts, to diagrams, to line graph's for character feelings...the key is "choice" in the tool. What do I need to hold onto to understand what I am reading? What do I think? And to realize that this thinking matters. Students will find purpose in jotting if they use it for further conversations and it is connected back to the text. I often hear..."wait, I jotted about that...let me find it". Now a student has left a trail of thinking to support their conversation and the conversations are more focused on the text with confidence.
I knew annotating was important. It is more than note taking. It occurs with a purpose. It occurs on a text. It occurs simultaneously with other reading strategies. The most important part...it records what the reading experience was like for you.
|"With jotting, it helped me put thoughts into my head and remember the story. It helped me to think deeply."
|"At the beginning of the year I disliked jotting, I felt like it slowed me down. Now I can't live without jotting."
|"I had the choice of when to pause, jot, and when to not."
Here are some other posts on "jotting":


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Watch Lovecraft's THE CURSE OF YIG
Killing Joke Films impressed Crimespree years ago, when I heard they were making public their very cool THE CURSE OF YIG I wanted to spread the word.
In 1925, a young academic visits the Guthrie Asylum in Oklahoma to explore the native tribal belief in the snake god, Yig. There she is confronted by a bizarre creature, the sole living survivor of the nightmarish Halloween of 1889. As she learns the tragic tale of Walker and Audrey Davis- early residents of the Oklahoma Territory- she too begins to fall under the spell of an unrelenting fear that time cannot diminish.
In 1928, Zealia Bishop enlisted Lovecraft's help in writing an original short story about pioneers in the American Southwest who encounter strange tales of a malevolent spirit, the Father of Serpents. The Curse of Yig, the blood-chilling result of Bishop and Lovecraft's collaboration, was first published in Weird Tales (Volume 14, Number 5) in November of 1929.
If you like this, learn more about Killing Joke and check out their other work.


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Aleria™ is a new anti–microbial alternative to treat acne and cutaneous impurities, with the benefit of isolating the microbes from spreading to surrounded areas and creating the best condition for tissue regeneration.
A tube of 50 ml cream–gel
Medical device, class IIb
Product description
Aleria™ cream–gel is indicated in topical treatment of cutaneous impurities and in acne therapy.
Aleria™ contains a unique system (TIAB) that forms a film barrier to the point of action containing antimicrobial micro silver ions. The film protects the affected area against microbial attack, it prevents the infection from spreading and creates the best condition for tissue regeneration. Aloe vera and hyaluronic acid provide rapid soothing and hydrating action.
Aleria™ safety has been established by several preclinical studies. Studies confirm that the active TIAB complex does not penetrate through the skin and therefore acts only topically without any systematic action.
Useful Information
To avoid contamination, wash your hands before use. Prior to application, clean the skin and dry it thoroughly. Apply a thin layer of Aleria on the affected area and allow to dry naturally without massaging. Two applications per day is recommended until complete healing. In the most severe and persistent cases, the product serves as an excellent adjuvant treatment.
Active Ingredients and Functions
TIAB–system creates antimicrobial protecting barrier that enhance self-healing of the tissue.
Hyaluronic acid supports the filmogenic action of the device as well as producing hydrating effect.
Aloe vera provides a rapid soothing effect and hydrating action.


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What does it even mean to be American? Why are Americans so patriotic? I think that people confuse American patriotism for what it may mean in some other countries. Americans don't rush out in droves on Independence Day to eat cotton candy and play with sparklers at a cookout because they agree with everything the … Continue reading Independence Day
independence day
Independence Day
Migrants You know, my grand parents moved to The States right before World War II, because they could tell trouble was brewing and they wanted no part of it. That's not so different from everyone else who lives here. Thousands of years ago, the native tribes traveled from Asian across the land bridge to escape … Continue reading Independence Day


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On the subject of that wacky Common Eyelash fungus that I found in the woodpile...
Turns out these are more complex than I'd realised. Literally. Nick Aplin of Sussex Fungus Group got in touch and explained that the Scutellinia are now thought to be a poorly-described "species complex". That means that what people used to think was one species (i.e. Common Eyelash Scutellinia scutellata) could be any one of many different species that all look very much the same. Unless you have a microscope and you know how to use it. And you've got the right identification key and you know how to navigate your way around that.
This is all getting well beyond my ken. Lucky for me, Nick has microscope, keys and know-how, and generously offered to take a look at my "Eyelash". (Yeah, we know it sounds weird.)
So one day a couple of weeks ago I went back to that woodpile for a specimen. I packed it carefully, along with that purply-brown blob, and popped it in the post.
After waiting a few days to get a spore print, Nick was able to get these photos of the identification features which show the fungus I found is Scutellinia crinita. The notes in brackets are his.
Asci mounted in water
Ascospores mounted (and heated) in lactophenol cotton blue (note the fine ornamentation typical of this species)
Incredible, huh?
For the record
Observation date: 01/01/2016
Location: Tottington Wood
Grid reference: TQ216127
Location: Tottington Wood
Grid reference: TQ216127
Detemined by Nick Aplin as Scutellinia crinita on 16/01/2016
Entered into FRDBI: 13/02/2017


text: On Sep 22, 2010, at 6:24 PM, R. David Murray wrote: > On Wed, 22 Sep 2010 19:18:35 -0400, Terry Reedy <tjreedy at udel.edu> wrote: > >> deputed tracker authority/ies. Not everyone has the same idea about how >> to handle the various fields and processes. Who decides in cases of >> disagreement? > > We discussed this a while back and I don't think we really have a tracker > BD. Brett and Martin come closest, but mostly we just sort of evolve > a rough consensus. IMO, Benjamin and Antoine are the closest. They devote a substantial portion of their lives to Python and have been our most active contributors in the last year. They read almost every tracker post, read every check-in, and continuously monitor the IRC channel. Raymond


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Tom DeLonge on his love for Blink-182, and the Future|
As media coverage of Blink-182 founding member Tom DeLonge's departure from the band spiralled out of control, the music world reeled at the news and fans could only guess as to why this 'friendly divorce' had come to pass. Was it all down to friction within the band, or could there be some other reason why Tom would decide to leave the multi-platinum pop/punk phenomena?
It's common knowledge that Tom has an entrepreneurial nature, even in the early days of Blink-182 when the future of the band was uncertain he knew the smart move was to have a safety net should it all come crashing down. Of course Blink did exceptionally well, but that didn't stop Tom from exploring his business options.
"It can't be about 'What's the best job I can have?' or 'What's the best career I can have?' It has to be about, 'What do I love doing?' That's really what people fail to do. They never think what they love doing could be their job or their life."
So if being the singer and guitarist with one of the biggest bands on the planet is what you love, why on Earth would you consider leaving it? The answer is simple. With a family, responsibilities to employees and shareholders, numerous highly functioning companies to juggle, not to mention a novel to write and promote, something had to give.
But where does that leave Tom's relationship with the band that launched his career and gained him a huge fanbase? The answer might not be as bleak as some imagined…
In an interview shortly after his departure from Blink-182, Tom revealed, "For me it's always a scheduling thing. At this period of my life, I have these 10 things that I'm doing. And the 10 things are very important to me and what I'm very passionate about right now – but I did this band thing for 25 years, so, give me a second, y'know!"
From what he's said in recent interviews and social media, it's clear Tom doesn't consider his days with Blink-182 to be over for good, but for now his own ambitions and the needs of his family are his main concern, and there's nothing much wrong with that.
"I love that band. I could not do anything that I'm doing now without the fans of that band. If I did not have the fans of Blink, I would not exist." – Tom DeLonge


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BLOG: http://www.untetheredartists.wordpress.com/
45 Degree Gallery Located in historic Old Colorado City at 2528 B W Colorado Ave,Colorado Springs, CO 80904. 719-434-1214. Tuesday – Saturday 10am – 6pm (closed Sunday & Monday). Open late for First Friday Art Walks. Free parking in the back or metered parking on the street.
Manitou Art Center – The unique approach to arts and education offered to the region by the Manitou Art Center (formerly the Business of Art Center) sets standards of excellence in ways other institutions cannot.
Trails and Open Space Coalition – A non-profit organization working to preserve open space and rural land; and create a network of trails, bikeways and greenways in the Pikes Peak region.
Catamount Institute – Consciously connecting people with nature. Environmental Education and Leadership development in the Pikes Peak Region to inspire ecological stewardship.
Cultural Office of the Pikes Peak Region (COPPeR) – Creating a community united by creativity.
Colorado Springs Arts Blog – All things artistic in Colorado Springs.
PeakRadar.com – Your source for arts, culture, recreation and fun!
Pikes Peak Arts Council (PPAC) – PPAC holds a central position in the cultural community, providing a forum for the exchange of ideas and information in the Pikes Peak Region.
Smokebrush Gallery & Foundation for the Arts – The Smokebrush has been behind many random acts of creativity since 1992.


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Founded in 1971, we are Canada's leading LGBT news source, bringing our queer, sex-positive and activist-focused voice to domestic and international readers.
We bridge the gap between generations, honouring and reflecting the rich history of Canadian LGBT and queer activism. We aspire to support, inspire, foster, strengthen and spotlight a new generation of activists, allies and evolving communities.


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Dear Mr. Green,
I wanted to reach out to you after I heard of the United State's Supreme Court decision regarding the insurance mandate that requires you to provide coverage to your employees that includes the morning after pill. You challenged the law as a violation of your faith. In your words your family had to "violate their faith by covering abortion-causing drugs or be exposed to severe penalties."
Read more: http://www.foxnews.com/politics/2012/12/26/supreme-court-denies-hobby-lobby-request-for-reprieve-from-health-care-mandate/#ixzz2GJ4YTt46
Just a little family planning 101 – the morning after pill changes the lining of the uterus so that an egg is less likely to implant in the uterus. If the woman is already pregnant it does not cause an abortion. I know…silly little fact. Can't let these things get in the way. Kind of like scientific facts of evolution vs. creation, but that's a debate for another blog.
Back to your bad news – I understand the fines for not complying can be up to $1.3 million dollars per day. That's a whole lot of scrapbook materials if you ask me.
Now if you have read any of my blog posts, you know I hate guns and that includes the hot-glue kind so I haven't been in your store much. I did, however, go in a few months back. I was shopping for a frame for a picture I wanted to hang in my new apartment. My grandparents lived in an apartment. Hanging in their dining room was this Salvador Dali print of Abraham Lincoln. I was fortunate to get this print after they passed away. Note potential art thieves it's a print and not an original. My brother was blessed with the other valuable art work famously known as the dogs playing poker print.
Anyway, Abe had to be re-framed before being hung in all of his glory over my fireplace. Off to Hobby Lobby I went. Sure enough you had the perfect frame to match my artwork. If you look a certain way, you can see a cross in this piece. Of course, most people just see a woman's tush.
My point to this long story isn't about the artwork hanging over my fireplace, it's that your company didn't seem to have any problems taking my money. Your faith wasn't compromised in any way when I purchased my frame. Here's the deal – when I worked in family planning, we prescribed lots and lots of morning after pills. I am proud to say that I helped prevent a lot of unplanned pregnancies.
When it comes to making the all-American profit, your faith doesn't seem to be an issue when it comes to doing business with women who take the morning-after pills. I don't recall any sort of statement saying you won't take money from women who have had abortions or support family planning. I read your messages on your website, even the sneaky ones that are in 4 point font. You didn't screen me before I came in your store to be sure I believed in your faith. My credit card worked just fine in your store.
Your faith is only "compromised" when it comes to providing birth control for your employees and conveniently that is when it may cost YOU some money. Nobody is stopping you from closing up your store, starting your own church and preaching to your own congregation. That way you don't have to be put in this compromising position.
Just know that you may have made a small profit from the frame I purchased at your store, but every time I look at the ass, I mean cross, that is framed above my fire-place, I'll think of your commitment to faith, but the bigger draw of the all-American profit.
Yours in respecting our Supreme Court,


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I have done advertising work for years and years, including: story boards, comps, and illustrations. I will post some of those soon.
For my latest I decided to have a storyboard look and approach to my Dancing with Star. I have seen some.... um....... super sexy photos of Star and her man lover AL out tearing up the town. After I laughed and laughed, I cried a little and then picked up my pen and began sketching. It's how a process things I don't understand. I created what I imagine a night out dancing for the dynamic duo could be like.
This is done with ink on paper and photoshop text.


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"We gotta get out while were young
`cause tramps like us, baby we were born to run"
(in the words of Bruce Springsteen "Born to Run")
I took a bit of a hiatus from my running (and zumba) over the past 2 weeks. I did get one or two runs in there, but for some reason I just couldn't get myself motivated to do it and it.
I never really considered myself a runner. Actually, never thought I'd run a 5k, let alone continue running after that race, but for some reason I do enjoy the HIGH from getting out there and talking myself through the moments when I want to stop and walk the rest of the way home.
I don't think its bad to take a break, no more than 2 weeks for any exercise, to give my body a break. It allows me to heal a bit if I've pushed it too hard and allows me to do something else so that my muscle memory is ever-changing. And lord knows the muscle memory in the head sometimes needs a break too, since I seem to be less motivated on exercising that sometimes. 🙂
Now don't start thinking I've become this exercise freak who is just whittling down into nothing, cause that so not what I am doing. My refrigerator held 12 scrumptious Sugar High Cupcakes (yes my favorite cupcake shop) for me to devour (taste test 🙂 over the past few days… but at least it kicked my but into saying – "you eat those, you're gonna need to do something healthy to counter balance that act."
You see my motto is…everything in moderation. Enjoy life. Eat a little of everything, but not a lot of anything. Of course sometimes I will over indulge, but I do try to keep the above in mind most of the time.
It's all about balance in this life and Lord knows I could use a little more. But this life is about lessons and we all have them to learn. Mine will be different from yours and someone elses will be different again So…
Today I am strong and able,
so let me do what I might not be able to do tomorrow.
~katie frank
Until next time~Happy Trails, K


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|The main players: Carole Ann Ford (Susan), Jacqueline Hill (Barbara), Verity Lambert (Prodcuer), William Russell (Ian), and William Hartnell (The Doctor).
There have been rumblings for sometime that Who writer Mark Gatiss has been writing a drama about the conception of Doctor Who to mark the show's 50th anniversary. This has now been officially confirmed by the BBC. The 90 minute drama will air on BBC 2 and is titled An Adventure in Space and Time and will tell the story of the genesis of the BBC sci-fi show in the early 1960s. The drama will cover the programme's first broadcast on 23 November 1963 with the four-part adventure An Unearthly Child and also William Hartnell's rise to fame.
Gatiss said:
"This is the story of how an unlikely set of brilliant people created a true Television original. And how an actor - William Hartnell - stereotyped in hard-man roles became a hero to millions of children. I've wanted to tell this story this for more years than I can remember! To make it happen for 'Doctor Who's 50th birthday is quite simply a dream come true".
"The story of Doctor Who is the story of television - so it's fitting in the anniversary year that we make our most important journey back in time to see how the TARDIS was launched."
|Also sure to feature: Warris Hussein (Director).
|And Sidney Newman (Creator)
Further details about the production, including the casting, will be confirmed next year but I'm sure speculation will be rife.
|The original cast in An Unearthly Child.


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Pokhara Bird Society in support of Nepal Tourism Board and Bird Conservation Nepal organized "Pokhara Bird Fair" in Pokhara, Kaski Nepal. The three day log fair that began from 3 July 2018 was attended by diverse professionals involved in tourism, environment conservation, birders, students, BCN members and others.
The major highlight of the first day was "Bird Watching Training for Tourism Professional". More than 70 seniors and budding professionals took part in training that continued for two days. Second day began with birding where participants gained practical knowledge on bird identification and code and conduct of birder. Beautiful pictures of different species found in Pokhara were displayed at the photo exhibition during the day.
Birders and nature lovers took part in the bird race on the final day. The participants divided into two groups named "Broadbill" and "Vulture" were assigned to sight as many birds as possible within the time frame of an hour. Team Broadbill won the race by sighting 38 species. The final program was organized at Hotel Barahi where ornithological and tourism experts representing various organizations shared their knowledge on conservation of birds, biodiversity and importance of people participation on their conservation. "We are very delighted that we are able to conduct such a grand event within short timeframe", said Manshanta Ghimire, President Pokhara Bird Society. "This is the first ever Bird Fair of Pokhara and we intend to mark it as our calendar event", he added.


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Other State Legislation
OR: petition to Fish & Wildlife Commission
The following organizations petitioned the Oregon Fish and Wildlife Commission for stronger trapping regulations on 3/9/2012.
Exemptions: trapping of gophers, moles, mountain beavers, rats and mice on property owned by the person setting the traps.
Analysis by SS-Slocum.info
Point #3 doesn't go far enough, but otherwise the key points of this petition make sense, and correspond to the following traits of a humane, responsible trapper:
(This is not meant to be a complete list of all the traits of a humane, responsible trapper; only a four-point list to correspond with the four key points of this petition.)
CA: no body-gripping trapping for recreation or fur trade.
California's 1998 ballot Initiative, Proposition 4, a ban on specified traps and poisons, was passed in 1998 and is still in force.
It prohibits trapping mammals classified as fur bearing (or non-game) with body gripping traps for recreation or commerce in fur.
This includes, but is not limited to, steel-jawed leghold traps, padded-jaw leghold traps, conibear traps, and snares.
Cage and box traps, nets, suitcase-type live beaver traps and common rat and mouse traps are not considered body-gripping traps.
California isn't the only State with trapping regulations like this. In his article Is Trapping Doomed?, Tom Reed of the High Country News described similar trapping regulations in three other states:
"Voters in three states, Massachusetts, Colorado and California, have banned the recreational and commercial use of all leg-hold, body-gripping and snare traps. Arizona bans such trapping on public lands but allows it on private land."
These are not "trapping bans"; they still allow the following forms of trapping:
WI: challenging private-property rights.
Wisconsin State Senate Bill 226 seems to propose a challenge to private-property rights and State land-acquisition rights regarding hunting and trapping.
This bill creates a 15-member sporting recruitment and retention council. The bill requires the council to study, and advise and make recommendations to the natural resources board and the legislature on, ways to improve the recruitment and retention of hunters and trappers. The bill requires the council to conduct an initial study of options and recommendations for increasing access to private land for hunting and trapping and options and recommendations for simplifying DNR hunting and trapping rules.
This bill prohibits DNR from awarding a grant under the stewardship program unless DNR first considers whether the grant will benefit local businesses and the economy of this state. It also prohibits DNR from acquiring land under the stewardship program unless hunting, fishing, trapping, hiking, and cross-country skiing will be allowed on the land acquired or unless every member of the natural resources board approves the land acquisition.
WI: dog-safe
Wisconsin State Legislation proposes improvements in the safety of body-grip trapping, as follows:
CT: leg-hold buffer zone
Connecticut General Assembly 2/28/2012: Representative Kim Rose and the Select Committee on Children introduced the following trap-regulation bill HB 5324.
Original proposal for new trapping regulations (to be added to the Connecticut General Statutes, Section 26-72):
Reasons for bill: reports of companion animals being caught in illegal leghold traps. In an incident in Ansonia Connecticut, children found a companion animal (cat) caught in a leghold trap. The cat later had to be euthanized. This bill seeks to keep children safe by restricting where leghold traps may be placed.
Any person who sets, places or attends any trap shall report each incident of the trapping of a nontarget animal to the Department of Energy and Environmental Protection within twenty-four hours.Amendments by the Joint Committee:
As used in this subsection, "nontarget" animal means an animal of a species not intended to be taken.
(c) No person shall place any leghold trap on or within one thousand five hundred feet of the real property comprising a public or private elementary or secondary school, licensed child day care center, as defined in section 19a-77, that is identified as a child day care center by a sign posted in a conspicuous place, state park, municipal park, municipal playground, public boat launch, public road, public highway, roadside rest area, public picnic area, public campground, blazed trail or state hiking trail. As used in this subsection, "leghold trap" means a device designed to close on the foot or leg of an animal with sufficient force to hold the animal until the person tending the trap returns, and includes, but is not limited to, a steel jawed leghold style trap that is either padded or unpadded. Nothing in this subsection shall prevent any person duly authorized by the Department of Energy and Environmental Protection from setting a leghold trap within one thousand five hundred feet of such areas listed in this subsection to control nuisance wildlife.
Status on 3/28/2012:
Referred to the House and Senate Committees on Environment.
Summary by SS-Slocum.info
Response by the National Trappers Association
There is a Raised Bill ( HB 5324 ) that is within the Select Committee on Children that is targetted to impose unrealistic restrictions on the placement of foot-hold traps.
This Bill is just another ploy to initiate an elimination of trapping by placing these unnecessary limitations on where we can place our traps.
We need OPPOSITION of this Bill in numbers at the scheduled Public Hearing scheduled for Tuesday 03/06/2012.
If you cannot attend in person, send in your written tesomony and/or contact the members of this Committee to state your opposition.
IL: body-grip buffer zone
Illinois Senator Dan Duffy introduced the following safe-trapping bill SB 1704 on 2/9/2011.
Synopsis as introduced:
Amends the Wildlife Code. Makes it unlawful to place, set, or maintain a body-gripping trap (other than an underwater set) within 30 feet of bait that is not completely covered and concealed from sight and (ii) to place, set, use, or maintain certain types of traps within one-quarter mile of a residence, school, picnic area, playground, beach, campground, road, highway, public trail, golf course, or parking lot. Exempts certain government employees as well as their duly authorized agents from the latter of these prohibitions if certain conditions are met. Redefines the term "bait" to include certain types of oils.
Status on 3/27/2012:
"Postponed" by the Agriculture and Conservation Committee.
Summary by SS-Slocum.info
Reaction from the Illinois Trappers Association June 2011 Report
"The ITA has been very active this legislative session in Springfield, and I feel our efforts in that area have been fruitful. SB1704 was our first baptism into fire; this legislation was introduced by Sen. Dan Duffy from Barrington Illinois. The language in this bill would have stopped trapping on over 19 million acres of Illinois lands, and would have imposed regulations on body grips to set back distances of a ¼ mile from roads, parks, schools, golf courses, etc. The bill never made it out of committee before the deadline, but I don't want everyone to think it is just going to go away. This bill could come at use this fall in the veto session, or again this session in the form of a shell bill. We will keep an eye open on it."
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E-S Theory
What Is It?
There are so many interesting topics in psychology that it's difficult for me to choose. I find this theory particularly interesting as it focuses on two distinct brain types and cognitive sex differences. The E stands for empathizing and the S stands for systemizing. It was developed by Simon Baron-Cohen.
He found that fetal testosterone exposure is positively correlated with scores on the systematizing quotient (SQ) and negatively correlated with scores on the empathizing quotient (EQ). The fetal testosterone factor is where gender comes into play. Males experience higher levels of fetal testosterone exposure. They also score, on average, higher on the SQ. Women score, on average, higher on the EQ. Baron-Cohen found that 53 percent of men have systemizing brains, 17 percent have empathizing brains, and 24 percent are roughly balanced. The remaining 6 percent have an extreme male brain. This extreme male brain behavior he labeled as autistic. 44 percent of women have empathizing brains, 17 percent have systemizing brains, and 35 percent have brains that are roughly balanced. Four percent exhibit an "extreme female brain" type.
Ok, So What?
This theory is not bulletproof (no theories are) and I'm not saying it shouldn't be questioned. But the research is there and what it supports is very interesting. Empathizing brains are better at interpreting and expressing emotions. They see need in others without being told about it and have a desire to fix it. Systemizing brains are attracted to…systems. Go figure. Systems are anything that follows rules. A rule is a repeating, lawful pattern. Systemizing brains desire to know what any given outcome will be if a certain manipulation is made to the system.
There's a reason many guys love sports. What are sports but a set of systems? The rules of the game itself, the physics involved in making a tackle or shooting a jump shot, etc. Systemizing brains like math and science over more nebulous subjects like English. The stereotype of the socially awkward genius comes to mind here but actually, systemizing people tend to excel in the type of socializing the business world requires. This is because they've figured out the system of social interaction and can manipulate their way through it. Systemizing brains don't excel at deep connections, however. That's the empathizing brain's domain. Baron-Cohen and his team identified 412 emotions (I don't know if this is exhaustive, but it's what they found). Empathizers tend to have a knack for language so they can interpret and express all of these emotions well.
So women, if you've ever known a guy who is very driven and meticulous, worked in a field involving mathematics or science, was considered brilliant, and failed completely when it came to emotional expression then he probably had a systemizing brain. Guys if you're girlfriend gets discouraged (read: testy) because you won't open up, it's not your fault. But it's not her fault either. Even though gender has a relationship with the two types (and a strong one at that), it's not a perfect correlation (obviously) and shouldn't be viewed as such. The previous two examples could take place in any relationship regardless of either party's gender.