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Step one – Back-test your idea
The first step is back-testing. Nice and simple with no real money at risk. This is the key stage but many people can't be bothered.
Why not?
Because they want to trade and they want to have fun. Not work at it.
Don't make this mistake. Back-testing is the foundation on which everything else is built. It is also the stage during which you get to see how your system parameters work in the real world.
One recommendation I would make is to visualise that you are actually doing the trades and the bets as you work through this. That way you will begin to understand how it will feel when your money is at risk as the market (or the match) bounces up or down until you end up with your final profit or loss.
At this stage you can also change some of your parameters to enhance system performance. The best systems are stable, meaning that minor changes in a parameter will not have a huge effect on profitability. If minor changes have huge effects then that is not a good sign.
Example 11.3: Back-testing a Trading idea
To make this process real for you I am going to put forward an idea and go through each of the six stages.
- The trading idea: Buy either the bet FTSE to be up at 12pm or the bet FTSE to be down at 12pm if the price goes to 12 or lower. Allow the bet to expire at either zero or 100.
- The reasoning: This system seeks to make money out of the early action on FTSE. If you examine how FTSE behaves in the first hour of trading you will see it can be fairly erratic and early losses or gains can be reversed. This is the sort of action this idea is looking for.
This is a simple example of a trading system. It defines the entry (when the bet price is 12 or lower) and the exit (allow to expire at zero or 100). That is all you need although systems can be a lot more complex.
Can we make money with this idea?
We are doing this process to find out.
This table needs some explanation, these are the columns:
There are only 9 entries because it is difficult to get access to binary prices going back further. You could use the underlying market with pre-set parameters or apply a binary formula but I prefer to extend the paper trading period to compensate for the shorter back-testing period.
Possible Entry
The possible entry is either given a value of 10 or more or is stated as <10 meaning "less than 10."
Possible Exit
This sets out the best possible exit point of the bet. If a value of 0 is stated it means the bet simply moved down to 0 with no profit opportunity. A price above 0 identifies the best possible exit giving maximum profit although this does not imply the system captured all of that potential.
My Entry/My Exit
There are no entries for "my entry" or "my exit" as we are not taking trades at this point but these columns will become useful as we move onto later stages of the process.
Possible result
I categorised the results as follows:
0 – a loss of the amount risked
A – a profit of less than 20
B – a profit of 20-40
C – a profit of 40-60
D – a profit of 60-80
E – a profit in excess of 80
I use an Excel spreadsheet to track the results but this is not essential.
Nine trades is not a large sample and is not even statistically relevant (meaning we cannot rely on the results). Nevertheless, it is useful for illustrative purposes and we can be encouraged by the results which can be summarised as:
Metric #1
Four profits out of nine trades – 44.4%.
Metric #2
Average loss was 10 points as all the losses were 10 points.
There were 4 profits. Two went all the way and the bets closed at 100. The other two gave maximum potential at 77 and 82. This raises the question do we take profits early, say at 80 (giving a profit of 70 after the entry at 10) or do we let these run all the way? If we run all the way we end up with only two profits as the other two will close at zero. If we close at 80 we will get all four profits but those which had given us around 90 points of profit will only give us 70 points.
This sort of decision goes to the heart of system design.
If we decide to close at 80 we end up with 4 profits of around 70, average profit 70 and metric #2 becomes 7 (70 divided by 10).
Multiplying the two metrics together gives us 311% which is great but, don't forget, it is also unreliable with so few trades.
Here are the results set out in the form of a table.
Having completed step one it is now time to move on to paper trading.
Taken from the book Binary Trading By John Piper


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subset: commoncrawl


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Sunday, May 13, 2007
Mothers' Day
As I usually do on Mothers' Day, I took some goodies over to Jenny's place for lunch. It was a small occasion. Those present were only Jenny, our son Joe, myself and Nanna (Jenny's mother). I think Jenny was a bit disappointed that neither of her daughters came over. She did however go over to her son Paul's place later in the afternoon -- presumably for afternoon tea.
I bought some Kingaroy double cream brie for the feast which turned out to be particularly good and some double-smoked Champagne ham also went down well. Jenny provided Pavlova for dessert. Pavlova is a great Australian favourite and this one was one of the best.
I had a fairly long chat with my son Joe after lunch. We discussed his mathematics studies (he is now in 3rd year) and religion, among other things. I was pleased that he has decided to go straight through to his Ph.D. at UQ. I was however surprised that, at a very large university, he is one of only a handful of students who are concentrating exclusively on mathematics. Given that there is a need for mathematicians in all sorts of places, he should always be in demand.
I am still mildly surprised to have a mathematician for a son. Joe is eerily like me in all sorts of ways but mathematics was always my least favourite subject -- though I did teach statistics at university level at one stage.
Like me, Joe still has an interest in religion but his beliefs seem to be minimal. We mainly discussed church history.
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Press Release announcing the results of the online survey that examined which casino software is most popular among online gambling players.
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A beauty case may not be an important item on your 'must have list' this season; nevertheless, for any lady who loves to travel and stay organized, a top quality beauty case is essential. When lodges are endorsing their bookings via on-line travel portals, there must be publics, who have already stayed these accommodations and stayed over for just a few days. There are personal policies like home-owner's or renter's insurance which are meant to cover valuables should situations of fireplace and theft arise and these insurance policies also can have stipulations to cover lost baggage throughout a trip.
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Just about every professional sports fan has dreamed about having a team full of star players or, when their team's general manager makes another boneheaded move, that they could be the one calling the shots and signing, or releasing, players for the betterment of the team. Fantasy sports is an outlet for just such a person. By using the statistics of real players in real games, team "owners" get to see how their "dream team" stacks up against others. Once relegated to pencil-and-paper and the local newspaper's sports section, Fantasy Sports have moved to the web in a big way. This category contains information on all aspects of Fantasy Sports, from places to play to guides on who to "draft" and who should start each week. Other games that use the results of real-life professional sports games, such as "pick 'em" contests, are not part of fantasy sports. (You will find most such games in Games: Gambling: Sports.
More information
More information
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Related categories 3
Sites 14
ESPN Fantasy Games
Play fantasy football, baseball, basketball, hockey, and poker. Free and premium leagues available.
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Compete with friends for fun or prizes. Play soccer, golf and F1 with personalised reports.
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Other languages 2
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Hours:Presentation times vary, call for a reservation.
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© 2004-2019 Family Publications
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212-947-2177 email@example.com
Information is subject to change, please confirm before visiting.


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Remember Tucker, our world-class escape artist? He kept escaping from his adopters and our adoption counselors and running back to his buddy, Gary, who was not able to adopt him at the time. (And poor Tuck got blamed for all kinds of mischief in Gary's neighborhood where he was first dumped and the neighbors did not want him anywhere near there again.)
Tucker was adopted and recently Gary got to visit him and his new adopter, Kevin. Here's the note we received from Gary after the visit (Gary calls him Goldie):
Hi …just a note to let you know Kevin brought Tucker (Goldie) over for a visit. It made my year!!! I mean, if ever there seemed a perfect match-up…actually I had been praying to the Great Everywhere Spirit and other deities that just such a person would arrive for Goldie. I felt it would have to be a male, patient as can be, and absolutely love the dog for who and what he was. Inversely, Goldie (Tucker) would have to fall head over heels for the guy to reverse the tendency to bolt…"no place he'd rather be," kinda' thing. Kevin and Tucker meet these criteria to the max…they are absolutely perfect together….In what is left of an unreliable mind, I did picture Goldie being taken for runs along Town Lake. Kevin: "Yeah, Tucker and I go for our runs around Town Lake."
Thanks so much, for all of your help in saving the heart and soul of that noble animal. I think he may at last be "Home."


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This country-specific Q&A provides an overview of the legal framework and key issues surrounding banking and finance law in France including national authorities, regulation, licenses, organisational requirements, supervision and assets.
This Q&A is part of the global guide to Banking & Finance.
For a full list of jurisdictional Q&As visit http://www.inhouselawyer.co.uk/practice-areas/banking-finance/
What are the national authorities for banking regulation, supervision and resolution in the jurisdiction?
In addition to the European regulator, ECB, there are two main national authorities for banking regulation, supervision and resolution in France:
- the Autorité de contrôle prudentiel et de resolution ("ACPR") is responsible for the supervi-sion of the banking and insurance sectors. It insures the stability of the financial system and the protection of the customers ; ACPR conducts investigations and issues sanctions.
- the Autorité des Marchés Financiers ("AMF") regulates participants and products in France's financial markets. It regulates, authorises, monitors, and, where necessary conducts investiga-tions and issues sanctions. In addition, it ensures that investors receive material information, and provides a mediation service to assist them in disputes.
Other national authorities could also act against banks and financial institutions as for example the "Auto-rité de la Concurrence" (anti-competition agency).
Which type of activities trigger the requirement of a banking licence?
A banking licence is required as soon as one of the banking services defined by law will be proposed. Banking services under French law are defined by the article L.311-1 of the Monetary and Financial code as follows:
- receiving funds from the public;
- granting loans;
providing banking payment services.
Whether a bank should decide to offer investment services, it should also have a licence.
Does the regulatory regime know different licenses for different banking services?
There are several types of licenses issued by the ACPR depending on the activities considered as fol-lows:
- Credit institution license for banking activities which may be issued for a Credit institution and may be doubled up with an investment firm license for a Credit institution providing invest-ment services;
- Finance company license in order to carry out credit transactions;
- Investment firm license in order to provide investment services (except the portfolio man-agement companies license which is issued by the AMF) ;
- Payment institution license in order to provide payment services;
- Electronic money institution license in order to issue, manage and provide electronic money;
- Money changing.
Does a banking license automatically permit certain other activities, e.g., broker dealer activities, payment services, issuance of e-money?
Credit institution and electronic money institution licenses allow to provide payment services and ser-vices related to electronic money.
Credit institutions may also carry out operations related to their activity such as:
- Exchange transactions;
- Trading in gold, precious metals and coins;
- Investment, subscription, purchase, management, custody and sale of securities and any financial products;
- Advice and assistance in wealth management;
- Financial management advisory and assistance, financial engineering and, generally, all services intended to facilitate the creation and development of companies, subject to the legislative provisions relating to the illegal exercise of certain professions;
- Leasing operations of transferable or real estate property for institutions authorised to car-ry out financial leasing transactions;
- Payment services;
- Issue and management of electronic money.
When it provides investment services, the exercise of related operations and the conservation activity are subject to the prior approval provided of the ACPR.
What is the general application process for bank licenses and what is the average timing?
Before starting above mentioned banking activities, the institutions must apply for a licence issued by the ACPR as follows:
- contact the Authorisation, Licensing and Regulation Division to present plans and proposed timetable;
- prepare an application for the licence, including all supporting documentation to be submitted to the ACPR General Secretariat.
Credit institution licences are issued by the ECB based on draft decisions sent by the ACPR.
The ACPR or the BCE have to decide on the application within a 6 months delay following the receipt of the complete application.
In practice, the licensing decision must be taken within:
- 6 to 12 months following the receipt of the application for credit institutions and finance companies;
- 4 to 5 months in the case of investment firms;
- 3 months in the case of payment institutions and electronic money institutions.
Is mere cross-border activity permissible? If yes, what are the requirements?
International headquartered banks can operate in France as subsidiaries which require their own govern-ance and risk management and are subject to capital and liquidity requirements. The establishment of a subsidiary requires an application for the requisite license issued by the ACPR.
Institutions registered in another Member State of the EU or in a State party to the EEA Agreement can operate in France as they may be covered by a European passport un-der the following procedures:
- freedom of establishment:
- by opening a branch;
- by using a tied agent to provide investment services there, an agent to provide payment services there, or a electronic money distributor;
- freedom to provide services;
In all these cases, institutions must contact the competent authority of their Home State to complete the necessary formalities.
In return, the institutions established in France, including subsidiaries, can operate in the EU under the European passport. Before pursuing activities, the institutions must:
- Prepare a package for a notification under the freedom of establishment or a declaration under the freedom to provide services;
- Mail the completed package to the General Secretariat of the ACPR.
What legal entities can operate as banks? What legal forms are generally used to operate as banks?
Banks, mutual or cooperative banks, specialised credit and municipal credit banks can operate as banks following the credit institution license.
In order to issue a credit institution license, the ACPR control the suitability of the legal form for the pro-posed activity.
French credit institutions are incorporated under the form of unlimited companies by shares, that is to say under the form of SA (public limited company), SAS (simplified joint-stock company) or sometimes under the form of limited partnership.
What are the organisational requirements for banks, including with respect to corporate governance?
At any time, the institutions must ensure that:
- at least two people are in charge of effectively running the business;
- the nature and scope of the functions performed by persons effectively running the undertaking enable that person to have a comprehensive and in-depth view of the whole business and related risks;
- persons effectively running the undertaking comply with applicable regulatory re-quirements.
The appointment of a member of the supervisory body of a credit institution, finance company or in-vestment firm must be notified to the ACPR, providing the information required for the authority to as-sess the fitness, propriety, knowledge, experience and availability of the person in question.
At any time, the institutions must ensure that the supervisory body is independent with respect to effec-tive management. For this purpose, the general manager in charge of effectively running the business can not add the function of chairman of the board of directors.
Important institutions must comprise several committees to assist the supervisory body as:
- the risks committee;
- the remuneration committee;
- the appointments committee;
- the audit committee.
In Particular, the appointment of the persons called on to take charge of the effective running of the business of the institution must be notified to the ACPR, providing the information required for the au-thority to assess the fitness, propriety, knowledge, experience and availability of the concerned persons.
Banking institutions must adopt a strong governance package including:
- a clear organisation ensuring a defined, transparent and consistent division of re-sponsibilities,
- effective procedures for the detection, management, monitoring and reporting of risks,
- an adequate internal control system,
- sound administrative and accounting procedures,
- remuneration policies and practices that enable and promote sound and effective risk management.
Do any restrictions on remuneration policies apply?
Banking institutions must adopt remuneration policies and practices that enable and promote sound and effective risk management.
In that way, they must implement a global remuneration policy regarding the persons effectively running the business, risk takers, staff engaged in control functions and any employee receiving total remunera-tion that takes them into the same remuneration bracket as senior management and risk takers, the pro-fessional activities of whom have a significant incidence on the risk profile of the bank or the group of which it is a part.
Has the jurisdiction implemented the Basel III framework with respect to regulatory capital? Are there any major deviations, e.g., with respect to certain categories of banks?
The provisions of the Capital Requirements Directive IV (CRD IV) have been transposed into French law by means of Ordinance n° 2014-158 of 20 February 2014, Decree n° 2014-1316 of 3 November 2014, and several ministerial orders of 5 November 2014.
- Minimum paid up capital requirements depend on categories of licenses as follows :between € 1 million and € 5 million depending on the banking license granted for credit institu-tions and finance companies;
- between € 50 000 and € 3 800 000 depending on the services provided for Investment com-panies;
- € 40 000 for payment institutions;
- € 350 000 for electronic money institutions.
Are there any requirements with respect to the leverage ratio?
Banking institutions comply with the prudential regulation and regarding the leverage ratio they must im-plement policies and processes to detect, manage and monitor the risk of excessive leverage deter-mined according to CRR.
What liquidity requirements apply? Has the jurisdiction implemented the Basel III liquidity requirements, including regarding LCR and NSFR?
The provisions of the Capital Requirements Directive IV (CRD IV) have been transposed into French law so that credit institutions and investment companies must respect a 100% permanent ratio between liquid assets or quickly achievable assets and the portion of short-term payments.
Additionally, the LCR must be applied by the credit institutions.
Do banks have to publish their financial statements?
Banking institutions must publish their annual financial statements.
Particularly, listed banks must publish their bi-annual financial report.
Also, these banks must publish as soon as possible any significant information which could have an impact on the share value.
An annual report on internal control must be sent to the ACPR.
Does consolidated supervision of a bank exist in the jurisdiction? If so, what are the consequences?
Banking groups supervised on a consolidated basis shall:
- implement the necessary means to ensure compliance, in entities controlled exclusively or jointly, the provisions of the Order of November 3, 2014 relating to the internal control of banks and, where appropriate, European provisions, unless their application would be unlawful under a State outside of EU or EEA in which a subsidiary is established;
- ensure that the systems put in place within these banks are coherent with each other in order to measure, monitor and control the risks incurred at the consolidated level;
- verify the establishment of an organisation, a control system and the adoption within those enti-ties of adequate procedures in order to product information necessary for the exercise of the monitoring on a consolidated basis.
These banking groups are supervised by the BCE or the ACPR (where the parent company is a French credit institution or investment firm) depending of their seize.
Supervision on a consolidated basis affects all the entities of the group and involves that the ACPR, where appropriate, ensures with the competent authorities concerned:
- Coordination of the collect and publication of relevant or essential information (especially with on-site control missions);
- Planning and coordination of prudential supervision activities.
What reporting and/or approval requirements apply to the acquisition of shareholdings in, or control of, banks?
Changes of shareholding must be subject to prior authorisation of the ACPR in the following cases:
- Acquisition of the effective management control of the institution,
- Acquisition of one tenth, one fifth or one third of the capital and/or of the voting rights.
All modifications to the licence file shall be approved or declared to the ACPR.
Does the regulatory regime impose conditions for eligible owners of banks (e.g., with respect to major participations)?
Owners of banking institution must comply with a long list of criteria which main ones are the following:
- reputation of the proposed acquirer;
- reputation of the persons who are expected to take charge of the effective running of the business of the institution or to be a member of the supervisory body;
- reputation, experience and competence of key functions managers;
- financial soundness of the proposed acquirer;
- ability to still comply with prudential requirements;
- risks of money laundering.
Are there specific restrictions on foreign shareholdings in banks?
The control of foreign investment in regulated entities has been removed by the Decree of 2 August 2005 regulating financial relations with foreign countries.
Is there a special regime for domestic and/or globally systemically important banks?
The ECB supervises systemically important financial institutions. In France, these institutions are point out by the ACPR so that special supervision measures as additional capital requirement can be applied to them in order to reduce the risks involved.
What are the sanctions the regulator(s) can order in the case of a violation of banking regulations?
The enforcement committee of the ACPR could order two different natures of sanctions:
Disciplinary sanctions:
- warning;
- reprimand;
- prohibition from conducting certain operations for a maximum period of ten years and any other restrictions on the conduct of its activity,
- temporary suspension of senior managers for a maximum period of ten years,
- compulsory resignation of senior managers,
- partial or total withdrawal of the license or authorisation and being struck off the list of authorised entities
Financial sanctions:
- and/or a fine up to EUR 100 million (EUR 1 million for bureaux de change) or , in the event of non-compliance with CRR, the penalties incurred by legal entities amount to 10% of turnover or twice the benefits derived from the breach when it can be assessed and a maximum amount of EUR 5 million for the responsible leaders.
The decisions taken by the Sanctions Committee are published in the official register of the ACPR and are made public However, the Committee's decision may provide for its publication without specifying the name of the bank in very exceptional cases where there could be a "risk of seriously disrupting finan-cial markets or of causing a disproportionate prejudice to the parties involved".
What is the resolution regime for banks?
Directive No 2014/59/EU of 15 May 2014 (BRRD), establishing a European framework for the recovery and resolution of credit institutions and investment firms, was transposed into French law under Ordi-nance No 2015-1024 of 20 August 2015, and supplements the framework created by Law No 2013-672 of 26 July 2013 on the separation and regulation of banking activities which set up a resolution college.
In addition, the Single Resolution Mechanism (SRM) defined in 2014 under Regulation No 806/2014, es-tablishes uniform rules and a uniform procedure for the resolution of credit institutions and certain in-vestment firms in the framework of a Single Resolution Mechanism and a Single Resolution Fund. Under the SRM, responsibilities for resolution are split between:
- the Single Resolution Board (SRB) located in Brussels, and
- the national resolution authorities (NRAs) of participating Member States.
In France, the ACPR has exclusive responsibility for certain entities: credit institutions considered less significant (not supervised by the ECB), nearly all investment firms, branches of third-country banks, and the banking systems in Monaco and in the French overseas territories.
With regard to these entities, the ACPR is charged of the following duties:
- preparing resolution plans;
- assessing the resolvability of an entity;
- taking decisions aimed at reducing or removing obstacles to the implementation of resolu-tion measures;
- determining whether an entity is failing or likely to fail;
- implementing resolution measures.
In France, the costs entailed by resolution are financed from two separate funds: either the Single Reso-lution Fund (SRF) or the National Resolution Fund (NRF).
How are client's assets and cash deposits protected?
First, in order to ensure the effective application of the resolution tools, resolution funds have been set up which are financed by contributions from the institutions.
In addition, in the event of a straightforward liquidation, the Deposit Guarantee and Resolution Fund (FGDR) is used to reimburse depositors, holders of securities and beneficiaries of guarantees.
In the event of a resolution, the deposit guarantee scheme, which subrogates to the rights of covered depositors, is not required to make a contribution greater than the amount of losses it would have had to bear if the institution had been wound up under normal insolvency proceedings, or greater than 0.4% of the total amount of covered deposits held by its members.
In the event of a liquidation, the deposit guarantee scheme is used for the following purposes:
- to reimburse depositors up to a maximum of EUR 100,000 per person and per establish-ment, within seven business days;
- to compensate investors up to a maximum of EUR 70,000 per person and per establishment in respect of any securities (shares, bonds, shares in UCITS) or other financial instruments that cannot be returned to them;
- to act in place of the bank if the latter is no longer able to honour the sureties or guarantees it has provided.
In France, the role of the deposit guarantee scheme is carried out by the Deposit Guarantee and Resolu-tion Fund (FGDR).
Regarding the protection of clients assets, the bank acting as custody account-keeper must exercise due care in the safekeeping and accurate recording of securities. In particular, when it holds securities for its customers, it must keep the securities held on own account strictly separate from those kept for its customers. To this end, it must have at least two accounts open for each security with the central securi-ties depository. This is called the account segregation rule.
The financial intermediary may never use its customers' securities without their express prior consent. This rule is intended to ensure that customers' securities may be promptly transferred to a healthy finan-cial intermediary in the event that the original intermediary fails.
In the event of the failure of a custody account-keeper that fraudulently used its customers' securities without their agreement, a guarantee mechanism compensate investors if they cannot obtain their securi-ties in the limit of €70,000 per investor.
Does your jurisdiction know a bail-in tool in bank resolution and which liabilities are covered?
When a failing bank enters into resolution, a tool known as a "bail-in' can be applied to force sharehold-ers and creditors to absorb the losses and recapitalise the bank.
Under this mechanism, shareholders and creditors are required to shoulder some of the entity's losses or take part in its recapitalisation.
It consists of two phases:
- eligible liabilities are reduced as much as possible to absorb losses and bring the en-tity's net asset value down to zero;
- eligible liabilities are converted in order to recapitalise the entity or contribute to the capital of the bridge institution.
However, depositors are always protected, whether a bank is placed under resolution or into straightfor-ward liquidation.
In the case of a resolution:
- Covered deposits (up to EUR 100,000) are protected as they are excluded from the scope of the bail-in.
- The ordinance transposing the BRRD into French law stipulates that no depositor may incur losses greater than they would have incurred under normal insolvency proceedings (NCWO – no creditor worse off than in liquidation).
In the case of a liquidation, depositors are also protected:
- Deposits of up to EUR 100,000 are protected by the deposit guarantee scheme, and reimbursed from a fund previously built up using contributions from financial institutions.
- Depositors are given a preferential ranking in the hierarchy of claims, and are thus re-imbursed before ordinary creditors: amounts covered by the deposit guarantee scheme (up to EUR 100,000) are given a high ranking, followed by any amounts in excess of this thresh-old. Depositors are the last to be asked to make a contribution in the event of a resolution (after holders of capital shares and debt securities).
Depositors are placing even higher up in the ranking of claims for credit institutions. This makes it easier to apply the bail-in tool and provides depositors with greater protection.
Credit institutions can also issue a new category of debt securities which absorb losses after subordi-nated debt instruments and before preferred liabilities.
Is there a requirement for banks to hold gone concern capital (TLAC)?
The Article L613-30-3 of the French Monetary and financial Code was modified by the Law n° 2016-1691 of 9 december 2016 and enable banks to comply with the Principles on Total Loss-absorbing Capacity (the "TLAC Requirements") adopted on November 9, 2015 by the Financial Stability Board (the "FSB").
Even if the TLAC ratio will have to be implemented from 1st January of 2019 and will apply to the globally systemically important banks, France has chosen to establish the ranking of debts in the event of a fi-nancial institution's liquidation, to create two new categories of debt:
- The first consists of currently existing claims that rank senior, as well as claims of future creditors that are not otherwise preferred and are not in the second category described below; and
- The second consists of a new type of non-structured debt containing a contractual clause specifying that their owner or holder is a "senior creditor" (and thus holds "Senior Non-Preferred Debt"); Senior Non-Preferred Debt may be issued by French banks.
The article thus introduces a new category of debt between subordinated debt, on the one hand, and the debt currently classified as senior debt, on the other hand, permitting financial institutions to issue un-subordinated debt instruments ranking below operating liabilities, making them eligible under the TLAC Requirements.
In your view, what are the recent trends in bank regulation?
Indisputably, the implementation of the anti-money laundering and counter terrorist financing (AML) regu-lation by entities is the target of numerous inspections by the college of the ACPR which are often fol-lowed by disciplinary procedures in front of the Sanctions Committee.
What do you believe to be the biggest threat to the success of the financial sector ?
The Blockchain, the e-money as the Bitcoins issues seems to be the biggest threats to the success of the financial sector in France.


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Registration is now open for the fourth in a series of workshops to bring together representatives from government, industry and academia to establish a voluntary Cybersecurity Framework that will help reduce risks to critical infrastructure. The workshop will be held Sept. 11-13, 2013, at the University of Texas at Dallas, and will be the final public session before the preliminary framework is formally released later this year.
Executive Order 13636, Improving Critical Infrastructure Cybersecurity, directed the National Institute of Standards and Technology (NIST) to work with stakeholders to develop a framework consisting of standards, guidelines and best practices to promote the protection of critical infrastructure. NIST will release a preliminary framework for public comment in October 2013, and the final framework in February 2014.
"The focus of the Dallas meeting will be on the first full draft that we plan to make available in August. That draft will reflect input from critical infrastructure stakeholders provided in previous workshops, and in Dallas, we want to make sure we provide a chance to get direct and extensive feedback on the draft," said Adam Sedgewick, senior information technology policy advisor at NIST.
The Dallas workshop will be preceded by an "Executive Order primer" on Tuesday, Sept. 10, for participants who are new to the framework development process and to ensure that there is a good understanding of how the framework can be adopted by organizations.
NIST has released an update of the framework's development, based on input received at the most recent workshop, held July 10-12, 2013, in San Diego, Calif., as well as at two prior sessions and an earlier "Request for Information." At the July working meeting, more than 350 representatives from critical infrastructure owners and operators, industry associations, standards developing organizations, and government reviewed a draft outline of the preliminary framework and discussed structure, informative references and implementation levels. Breakout sessions covered executive engagement, awareness, privacy and small business considerations, among other topics. Videos of the plenary sessions are available on NIST's website.
"We consider this a long-term process to enhance the cybersecurity of our critical infrastructure," said Sedgewick. "NIST will continue to work with all of our stakeholders to ensure the framework is a useful tool that is consistently updated to reflect changes in technology, risks, feedback from industry and other factors."
On July 25, 2013, Under Secretary of Commerce for Science and Technology and NIST Director Patrick Gallagher testified before the Senate Committee on Commerce, Science and Transportation to describe NIST's collaboration with the private sector to develop the framework.
All organizations and individuals are invited to contribute to the development of the Cybersecurity Framework by contacting NIST at email@example.com. Key links:
- To register for the September meeting in Dallas: www.nist.gov/itl/csd/4th-cybersecurity-framework-workshop.cfm
- To review materials related to the framework, including videos of previous meetings: www.nist.gov/itl/cyberframework.cfm
- To get the current update on the framework development process: www.nist.gov/itl/upload/NIST-Cybersecurity-Framework-Update-072413.pdf
- To see videos of the San Diego meeting plenary sessions: www.nist.gov/itl/csd/3rd-cybersecurity-framework-workshop-webcast.cfm
- To read Director Gallagher's Senate testimony: http://go.usa.gov/jmRx


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$16,495,000 141.74 acres 15312 Dismuke Drive, Biloxi, MS 39532 - Jackson County
141.74 Acres at 15312 Dismuke Ave
ONLINE AUCTION (FEBRUARY 27TH, 2019) 10:00AM - 04:00PM CT. Attention Investors!! The perfect spot for a Condo, Hotel, Casino, or recreation property near The Bay of Biloxi. 141.74 total acres with some views of the Beau Rivage Resort & Casino. Endless opportunities! LIST PRICE IS $16,495,000 WITH AN OPENING BID OF $13,900,000. Property may be sold any time prior to event. See RealtyHive(.)com for details. Listing Agent: Brandy Maples #S-50673 | Auctioneer: Rick Roundy #1375
RealtyHive RealtyHive


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The Mallory
- Easy Beach Access Nearby
An adorable, well maintained 2 bedroom 2 bath home. pet-friendly with a hot tub. It sleeps 4 guests comfortably.
If you are looking for a group vacation spot in a quiet beach location, our Bella Beach vacation rentals are just for you. Located between Lincoln City and Depoe Bay in an area known as Lincoln Beach, the quiet, protected neighborhood of Bella Beach is a great place to gather with friends and family. The neighborhood evokes the feeling of a classic beach community with sidewalks, walking paths, green spaces and areas for picnicking. Dog-friendly parks and a playground for children make it a great space the whole family can enjoy. The neighborhood offers two paths leading to the beach, both giving you direct access to the immaculate sandy shoreline. Be sure to stop by Café C'est La Vie for a cup of coffee for your morning stroll. Our selection of Bella Beach vacation rentals come in different sizes to sleep anywhere from 4-19 guests. We also offer rentals with hot tubs and beautiful ocean views.
Depoe Bay is located just a few miles south and is full of great shopping and dining options. It is the jump-off point to exciting adventures in deep-sea fishing and whale watching. To the north you'll find Gleneden Beach, home to Salishan Golf and Spa Resort. Salishan offers a world-class 18-hole golf course surrounded by old growth timber and views of the Pacific Ocean. Spend a day at the luxurious day spa or the Shops at Salishan, a collection of boutique stores and galleries. Just a few minutes farther north you'll find the quintessential coastal town of Lincoln City, situated along 7.5 miles of sandy beaches and brimming with great shopping, dining and entertainment.
Here are some local area attractions:
An adorable, well maintained 2 bedroom 2 bath home. pet-friendly with a hot tub. It sleeps 4 guests comfortably.
Relax and enjoy easy beach access, stunning coastal sunsets and high end amenities at this beach retreat.
Amazing oceanfront views from a covered deck, two luxurious king suites and a private beach access in this Bella Beach beauty!
Separate game room, two master bedrooms, sleeping for 12, hot tub and toys make this Bella Beach beauty a spacious family retreat!
Set in the quiet Bella Beach neighborhood, enjoy great amenities including bicycles, hot tub and more!
Amazing oceanfront views from a covered deck, two luxurious king suites and a private beach access in this Bella Beach beauty!
Soaring ocean views from the elevated great room and deck, oceanview hot tub and fabulous amenities!
SeaGlass Cottage offers high end, luxurious beach living in a stunning, ocean front setting.


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Well....I was SO CLOSE to completing my streak of at least one blog post a month for a YEAR...
but I never made time to knock one out before November ended...
I'm actually incredibly sad about it. I had a plan and an idea and then Thanksgiving/Black Friday week/weekend happened and my work schedule turned insane and I forgot how to function like a sane human for a minute.
but I never made time to knock one out before November ended...
I'm actually incredibly sad about it. I had a plan and an idea and then Thanksgiving/Black Friday week/weekend happened and my work schedule turned insane and I forgot how to function like a sane human for a minute.
I'll get over it. In the meantime, let's do a very late recap.
I did manage to ALMOST accomplish one pretty impressive goal. That was to take family Christmas photos, order cards and send them out by the BEGINNING of December.
We actually bought "ugly" sweaters from Walmart, took photos using the tripod Josh got me for Christmas last year, in our bedroom in front of the only well lit, empty wall in our tiny house. I hung up a $1 Merry Christmas banner over our heads, dressed the kids and set the timer on my Nikon. It took us about an hour total, getting just enough good shots that we needed. The kids handled it amazingly, the lighting was perfect, I edited the photos and ordered the cards that night, and we returned the sweaters the next day.
Did I mention we accomplished this within the FIRST WEEK of NOVEMBER??
Yeah, I was pumping my mom fists so high that week.
Yeah, I was pumping my mom fists so high that week.
Well, almost.
I'm still working on practicing my hand lettering/calligraphy skills addressing them all, so they haven't actually been SENT OUT yet....but I started them and now that I have all the addresses I need, it's just a matter of knocking them out, finding stamps and stuffing the mailbox.
Yeah, I know....don't count my ducks before they hatch.
Either way, we look awesome.
Both my kids love the camera, but they were extra hammin it up that day. I will honestly cherish these photos forever. I adore my perfect little family.
Speaking of family...
I may or may not have WILLED this newest addition to the Markle household with all my wishful thinking, dreaming, longing and straight up WHINING about missing having a feline in the family for 2 years.
Here's the whole story...
It all started on a freezing cold Saturday night. I had just gotten off work at what I thought was a really good time. 10:15pm. I was in my car just one street over from where I work when...My car broke down.
I had no choice but to call Josh, who I knew had probably just put the kids to bed, to drive 45 minutes with tired, screaming children, to come rescue me.
We had to leave my car there until we had daylight, rest and a gameplan.
We managed to be able to get it to a mechanic that was located just 20 minutes from there. We had to use back farm roads to get there and all I could think about was "how are we going to afford Christmas gifts, a down payment for a house we were hoping to find come spring, and NOW possibly a new car??"
This is all vital information. Trust me.
I explained all of that because when we were on our way home from picking up the car from the mechanic, we were driving along one of the back roads, surrounded by fields and trees. Josh was in front in my car and I was in his car with the boys.
Suddenly he stops and I watch as this TINY creature runs off the road in front of him and between a bush and tree nearby. I thought it looked like a baby rabbit at first, but it had a longer tail.
Josh immediately gets out and gently coaxes the creature out and into his arms.
He then walks over to my side of the car, opens his jacket, and there I see it.
The TINIEST little grey kitten I have ever seen. Shivering and purring and clinging to Josh.
"I found him." Was all he said.
There is no doubt in my mind that our baby Goblin {name and gender still pending} was the product of local barn cats not being spayed/neutered like they should. This baby was all alone, laying on the road in the sun trying to soak up any warmth he/she could find. Starving too. I've never seen a kitten so small eat so ferociously.
I mention my car dilemma because, as stressful and chaotic as it always is, IF MY CAR HADN'T BROKEN DOWN, WE WOULD HAVE NEVER BEEN ON THAT ROAD AT THAT MOMENT TO MEET THIS CAT.
I refuse to think about the alternatives. There are none.
We were MEANT to find him/her.
He/She needed us.
And now our family is complete with the best kitten anyone could ever ask for.
It's been two weeks and I can't imagine our life without this perfect little creature.
So yeah, I've been a little preoccupied with reflecting on life, purpose and the universe's way of keeping everything balanced. I'm in awe.
I'll end this with a quote from one of my favorite movies, one that has become unexpectedly relevant a lot in my life,
"When God throws a curve ball, don't duck.
You just might miss something.."


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November 6, 2017 00:10:34
Posted By Babs
Over the past week I have been enjoying making jewellery from bracelets to earrings and I have been thinking about making some necklaces. I made this one from some spare beads I had, it looks very fantasy and something I can see Weisheng or Bǎihé would make. I considering putting it up for sale, only if I can get the flower beads.
I have also opened up an Etsy store to help my international fans to buy my jewellery as my other store does not give the buyer to chose there currency or language.
I would like to reassure my fans, I am not stopping writing, I am just doing this in between stories to make sure I get a brake before I continue with one or make a start on a new one.
I will be back writing very sortly and hopefully completing Bǎihé and the mystery gifts.


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Tuesday, November 3, 2009
Our sream trip day
On thursday room nine drove to the brook sanctuary.
Subscribe to: Post Comments (Atom)
This blog is written independently by Room 9 students. Our work is not corrected by our teacher.
The Writing Spot is a special spot where we can express ourselves freely.


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Our practice has been established since 1972 and is An Independent family run business which prides itself on providing a professional friendly service.
Standard NHS Eye Examinations. There are a number of factors that qualify you for a free NHS eye test. Please ask when making your appointment to see if you are eligible for help and also you may qualify for help with your glasses. Please ask and see if we can help you with receiving an Optical Voucher.
60 and overs qualify for a free NHS test or as directed by your Optometrist.
Private Eye Examinations are £30
We also offer an Enhanced Eye Examination to include an OCT which is like an MRI/CAT scan for the eyes and also Macular Pigment Screening. Low Macular Pigment can be a significant factor in the onset of Macular Degeneration. These tests are not funded by the NHS or Standard Private Examinations and therefore the charge is £30 extra. Please enquire when making your appointment and if we can be of any assistance to you, then please do not hesitate to ask us.
NHS Entitlement
When you are under 16 you can get a free NHS eye test every year, or as directed by your Optometrist.
Over 16 and a full time student you can have a free NHS test every two years or as directed by your Optometrist. An Optical voucher can be used towards glasses or contact lenses.
Contact Lens Assessments
We supply all brands of contact lenses Daily Wear, Monthly wear, extended wear,
Assessment takes about 30 minutes. You will be fitted with a contact lens and shown how to put them in and out all care and attention and training given. Two weeks later or before if required you will have another assessment to see if all ok or given more trials lenses to find which one suits your needs the most. When all assessments complete you can purchase lenses as and when you need them or for them to come in automatically. You decide which scheme you prefer.
The cost for the initial consultation is £30, that includes trial lenses and follow up appointment. You will be required to have a contact lens check each year to assess the health of your eye.
Field testing
Safety glasses
Complete Frames and single vision lenses start from £39.95


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A vid from earlier this year which I never got around to uploading at the time
I'm Elaine, I'm a UK Pole Dance Instructor, teaching pole dancing in Surrey since 2005, and this is my Blog, where I put video-clips, pictures and articles as a resource for pole students (and sometimes just to let off steam, hehe). I try to post regularly, and would love to read any feedback so do post a comment.. Or add your email to get new posts. Enjoy :-)
Thursday, 27 August 2009
2 comments:
- M@ said...
Love it!
- 26 September 2009 at 00:51
- M@ said...
- This comment has been removed by a blog administrator.
- 26 September 2009 at 00:51
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Information About GivingThe Foundation for Tulsa Schools (FTS) has worked for over 15 years to make sure that an investment through FTS is an investment in the long-term success of Tulsa's teachers and students.
Formed on the premise that public education is a community responsibility, FTS makes investments in educational quality, creativity, and innovation. The Foundation prides itself on its ability to channel funding to directly benefit teachers and increase academic success for all students.
When you give to FTS, you are a partner in our mission of building a better community through the support of Tulsa Public Schools.
Donate to FTS TodayYES! I would like to champion public education in Tulsa and support the more than 39,000 students at Tulsa Public Schools.
Choose from one of the following easy ways to make your commitment today:
- Click here to make an instant, secure online donation.
- Mail a check to FTS at 3027 South New Haven Avenue, Tulsa, OK 74114.
- Call (918) 746-6604 to discuss your gift with a member of the FTS team.
Amazon SmileAmazon donates 0.5% of the price of eligible AmazonSmile purchases to the Foudnation for Tulsa Schools. AmazonSmile is the same Amazon you know. Same products, same prices, same service. It couldn't be easier to support the students and teachers of Tulsa Public Schools.
Join the Honor Roll at the 46th annual Tulsa Designer ShowcasePair of Honor Roll Patron Tickets $250
* Invitations to the Bare Bones Party on March 26 and the Premiere Party on April 29
* Name recognition at both events
* And most importantly, the honor of knowing that you are supporting the students and teachers of Tulsa Public Schools!


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Electricians Test Equipment Manufacturers Turkey, Turkish Electricians Test Equipment Manufacturers, Companies, Suppliers List Directory Turkey.
Let us help you to deliver your inquiry about the topic of Electricians Test Equipment to the supplier(s) quickly.
Pictures from Internet About "Electricians Test Equipment"
Some "Electricians Test Equipment" pictures randomly collected from internet, have been added to make the entire page aesthetically richer. All of these pictures may not be related to our site.


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The following is a list of things I secretly wish would happen in the near future or that were true. Oh, and it's titled part one because you can expect there to be more to come.
Will Smith Plays a Bad Guy
We've seen Will Smith play assholes before but these characters always seem to turn around and become the heroes everybody wants them to be.
What I want to see is Will Smith playing the villain in a movie. Just to know if he can because frankly, I think he's a talented actor and he would probably make it into a very entertaining character. Also, we would hopefully get some more of this.
Every TV Network Executive Realizes the Damage They Have Done with Reality Television
Reality TV is awful. No, Seriously, look at this shit.
"If it fits in my mouth, it's probably too small?" Is that a thing that a real person would say? Are those words that a sapient human female would actually think with their brain then form with their mouth if they weren't reading off a script and hating every moment of it? Are these people so dead inside that they want to subject onto the rest of the world their pain by filming their inexplicable existence? Or maybe they are all escaped mental convicts. I'm sorry, I just need to find some reason why society let it get this bad.
I mean, I know I don't have to watch it, but the fact that it's out there and people do is just… goddammit.
And I wish that everyone who has ever been responsible for putting Jersey Shore or one of its brethren on the air thus lowering the collective intelligence of society as a whole loses one brain cell for every brain cell they apathetically murdered.
Alternatively, we can force them to watch every minute of reality television ever broadcast, Jack-Nicholson-Style.
Everybody to Just Shut up for Five Goddamn Minutes
Myself included. As a society we talk too much. That normally would not be a problem if our conversations were actually conversations as opposed to people waiting deafly for their chance to voice their own uninformed opinion; or if our debates were more than shouting matches. But unfortunately, people (myself included) suck. We talk about bullshit that has almost no impact on anything. We talk about this nothing to pass the time, or we gossip, or we talk just to hear our own voices. You know what? I wish everybody (myself included) would just shut their goddamn mouths unless they had something worthwhile to say, or were offering constructive criticism. No more pulling down people with insults and no more building up a talentless hack with false compliments.
And no texting either. Or emails. Or Morse code. Or fucking smoke signals. Five minutes of introspection is not going to kill you.
Printers do What They Say They're Supposed to do
Anybody who has ever had to print out an assignment at three in the morning to hand in the next day knows what I'm talking about. Same goes for anybody who has ever worked in an office.
Printers. Are. The. Fucking. Worst.
There is no piece of technology that is quite as shitty as the printer. I can't really put it any better than the Oatmeal but I sure as hell will try.
Here's a little anecdote:
My father once bought the family a brand new, top of the line, laser printer because he was tired of the bullshit that the old one gave us with "empty" ink cartridge messages. This printer, like all printers, worked just great outside of the box. It printed colour documents and black and white documents and it was even one of those multi-function machines that could also scan and fax (but let's be honest, who faxes anymore?). One of my favourite features that the box said the printer came with was the direct USB print function. If I didn't want to turn on my computer I could just print directly from my flash drive. Hooray! Convenience!
Except this function didn't work. At all. With any USB I owned in the time we had that machine from hell. I say from hell because it was only a matter of months before the first paper jam came. Then weeks before we got another. And soon, documents weren't printing properly, or at all. Sometimes there wasn't even an error message, it just didn't work. The garbage toner tray filled up on almost a weekly basis, colours ran (even though it was a LASER printer) and entire pages would be skipped. We put up with that shit for a year and probably all suffered psychological trauma because of that thing. The day after we got rid of it I vowed to watch the next one closely. If it so much as pretends it can't print a black and white document because it's out of cyan toner then I'm getting my baseball bat and taking it to an open field.
Honestly, why can't they just work properly?
Or how about making their packaging honest?
Somebody Films a Good Videogame Movie
The only genre of film adaptations that is never taken seriously, never expected to be a success, and frankly, never objectively any good is the video game genre. It is more likely that Will Ferrell will one day win an Oscar for playing a loud obnoxious man-child than it is that any actor will earn a Golden Globe for playing Marcus Fenix.
But why should that be the case?
What if a good script was written as a faithful adaptation to a classic video game, this script was put in the hands of a competent director, starred competent actors and was then given a wide release?
I'll tell you what would happen. That film would make all of the money.


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SLC Marathon
2018 Salt Lake City Marathon
This year's the marathon will be held on Saturday April 21 2018.
If you wish to volunteer please register here:
Click the REGISTER button. Select whether you are registering as an individual or a group (e.g. family or ward). Scroll down to the "Ham Radio Operators" section.... select the number of requested tickets, and then order a free ticket.
NOTE: If you have a preference as to location/role/skill set - please send me an email. We will need Net controllers, SAG operators, Race Official shadows and mostly aid station volunteers. Ham radio operator roles:
- Aid Station Volunteers: These hams are based at a given aid station and this task is basically sedentary. Communicate to the net control for the aid station.
- Net Control Controllers: Net control hams basically directs all activity on the net during the event. The operators are generally experienced and these roles are assigned. However, if you are interested in watching net control, feel free to drop by later in the event if time permits.
- SAG Operators: These hams travel around in the SAG wagons and provide logistics as necessary. These radio operators need APRS enabled radios, but we can provide APRS radios if you don't have one and really want to SAG.
- Race Official Shadows: These hams will very closely "shadow" the various race officials during the event and relay vital information directly to the race official. This assignment is extremely active so be prepared to get as much exercise as one of the marathon.
Thor Femenias KF7RKO


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Essay On Man Pope Pdf
Awake, my St. John! leave all meaner things
To low ambition, and the pride of kings.
Let us (since life can little more supply
Than just to look about us and to die)
Expatiate free o'er all this scene of man;
A mighty maze! but not without a plan;
A wild, where weeds and flow'rs promiscuous shoot;
Or garden, tempting with forbidden fruit.
Together let us beat this ample field,
Try what the open, what the covert yield;
The latent tracts, the giddy heights explore
Of all who blindly creep, or sightless soar;
Eye Nature's walks, shoot folly as it flies,
And catch the manners living as they rise;
Laugh where we must, be candid where we can;
But vindicate the ways of God to man.
Say first, of God above, or man below,
What can we reason, but from what we know?
Of man what see we, but his station here,
From which to reason, or to which refer?
Through worlds unnumber'd though the God be known,
'Tis ours to trace him only in our own.
He, who through vast immensity can pierce,
See worlds on worlds compose one universe,
Observe how system into system runs,
What other planets circle other suns,
What varied being peoples ev'ry star,
May tell why Heav'n has made us as we are.
But of this frame the bearings, and the ties,
The strong connections, nice dependencies,
Gradations just, has thy pervading soul
Look'd through? or can a part contain the whole?
Is the great chain, that draws all to agree,
And drawn supports, upheld by God, or thee?
Presumptuous man! the reason wouldst thou find,
Why form'd so weak, so little, and so blind?
First, if thou canst, the harder reason guess,
Why form'd no weaker, blinder, and no less!
Ask of thy mother earth, why oaks are made
Taller or stronger than the weeds they shade?
Or ask of yonder argent fields above,
Why Jove's satellites are less than Jove?
Of systems possible, if 'tis confest
That Wisdom infinite must form the best,
Where all must full or not coherent be,
And all that rises, rise in due degree;
Then, in the scale of reas'ning life, 'tis plain
There must be somewhere, such a rank as man:
And all the question (wrangle e'er so long)
Is only this, if God has plac'd him wrong?
Respecting man, whatever wrong we call,
May, must be right, as relative to all.
In human works, though labour'd on with pain,
A thousand movements scarce one purpose gain;
In God's, one single can its end produce;
Yet serves to second too some other use.
So man, who here seems principal alone,
Perhaps acts second to some sphere unknown,
Touches some wheel, or verges to some goal;
'Tis but a part we see, and not a whole.
When the proud steed shall know why man restrains
His fiery course, or drives him o'er the plains:
When the dull ox, why now he breaks the clod,
Is now a victim, and now Egypt's God:
Then shall man's pride and dulness comprehend
His actions', passions', being's, use and end;
Why doing, suff'ring, check'd, impell'd; and why
This hour a slave, the next a deity.
Then say not man's imperfect, Heav'n in fault;
Say rather, man's as perfect as he ought:
His knowledge measur'd to his state and place,
His time a moment, and a point his space.
If to be perfect in a certain sphere,
What matter, soon or late, or here or there?
The blest today is as completely so,
As who began a thousand years ago.
Heav'n from all creatures hides the book of fate,
All but the page prescrib'd, their present state:
From brutes what men, from men what spirits know:
Or who could suffer being here below?
The lamb thy riot dooms to bleed today,
Had he thy reason, would he skip and play?
Pleas'd to the last, he crops the flow'ry food,
And licks the hand just rais'd to shed his blood.
Oh blindness to the future! kindly giv'n,
That each may fill the circle mark'd by Heav'n:
Who sees with equal eye, as God of all,
A hero perish, or a sparrow fall,
Atoms or systems into ruin hurl'd,
And now a bubble burst, and now a world.
Hope humbly then; with trembling pinions soar;
Wait the great teacher Death; and God adore!
What future bliss, he gives not thee to know,
But gives that hope to be thy blessing now.
Hope springs eternal in the human breast:
Man never is, but always to be blest:
The soul, uneasy and confin'd from home,
Rests and expatiates in a life to come.
Lo! the poor Indian, whose untutor'd mind
Sees God in clouds, or hears him in the wind;
His soul, proud science never taught to stray
Far as the solar walk, or milky way;
Yet simple nature to his hope has giv'n,
Behind the cloud-topt hill, an humbler heav'n;
Some safer world in depth of woods embrac'd,
Some happier island in the wat'ry waste,
Where slaves once more their native land behold,
No fiends torment, no Christians thirst for gold.
To be, contents his natural desire,
He asks no angel's wing, no seraph's fire;
But thinks, admitted to that equal sky,
His faithful dog shall bear him company.
Go, wiser thou! and, in thy scale of sense
Weigh thy opinion against Providence;
Call imperfection what thou fanciest such,
Say, here he gives too little, there too much:
Destroy all creatures for thy sport or gust,
Yet cry, if man's unhappy, God's unjust;
If man alone engross not Heav'n's high care,
Alone made perfect here, immortal there:
Snatch from his hand the balance and the rod,
Rejudge his justice, be the God of God.
In pride, in reas'ning pride, our error lies;
All quit their sphere, and rush into the skies.
Pride still is aiming at the blest abodes,
Men would be angels, angels would be gods.
Aspiring to be gods, if angels fell,
Aspiring to be angels, men rebel:
And who but wishes to invert the laws
Of order, sins against th' Eternal Cause.
Ask for what end the heav'nly bodies shine,
Earth for whose use? Pride answers, " 'Tis for mine:
For me kind Nature wakes her genial pow'r,
Suckles each herb, and spreads out ev'ry flow'r;
Annual for me, the grape, the rose renew,
The juice nectareous, and the balmy dew;
For me, the mine a thousand treasures brings;
For me, health gushes from a thousand springs;
Seas roll to waft me, suns to light me rise;
My foot-stool earth, my canopy the skies."
But errs not Nature from this gracious end,
From burning suns when livid deaths descend,
When earthquakes swallow, or when tempests sweep
Towns to one grave, whole nations to the deep?
"No, ('tis replied) the first Almighty Cause
Acts not by partial, but by gen'ral laws;
Th' exceptions few; some change since all began:
And what created perfect?"—Why then man?
If the great end be human happiness,
Then Nature deviates; and can man do less?
As much that end a constant course requires
Of show'rs and sunshine, as of man's desires;
As much eternal springs and cloudless skies,
As men for ever temp'rate, calm, and wise.
If plagues or earthquakes break not Heav'n's design,
Why then a Borgia, or a Catiline?
Who knows but he, whose hand the lightning forms,
Who heaves old ocean, and who wings the storms,
Pours fierce ambition in a Cæsar's mind,
Or turns young Ammon loose to scourge mankind?
From pride, from pride, our very reas'ning springs;
Account for moral, as for nat'ral things:
Why charge we Heav'n in those, in these acquit?
In both, to reason right is to submit.
Better for us, perhaps, it might appear,
Were there all harmony, all virtue here;
That never air or ocean felt the wind;
That never passion discompos'd the mind.
But ALL subsists by elemental strife;
And passions are the elements of life.
The gen'ral order, since the whole began,
Is kept in nature, and is kept in man.
What would this man? Now upward will he soar,
And little less than angel, would be more;
Now looking downwards, just as griev'd appears
To want the strength of bulls, the fur of bears.
Made for his use all creatures if he call,
Say what their use, had he the pow'rs of all?
Nature to these, without profusion, kind,
The proper organs, proper pow'rs assign'd;
Each seeming want compensated of course,
Here with degrees of swiftness, there of force;
All in exact proportion to the state;
Nothing to add, and nothing to abate.
Each beast, each insect, happy in its own:
Is Heav'n unkind to man, and man alone?
Shall he alone, whom rational we call,
Be pleas'd with nothing, if not bless'd with all?
The bliss of man (could pride that blessing find)
Is not to act or think beyond mankind;
No pow'rs of body or of soul to share,
But what his nature and his state can bear.
Why has not man a microscopic eye?
For this plain reason, man is not a fly.
Say what the use, were finer optics giv'n,
T' inspect a mite, not comprehend the heav'n?
Or touch, if tremblingly alive all o'er,
To smart and agonize at ev'ry pore?
Or quick effluvia darting through the brain,
Die of a rose in aromatic pain?
If nature thunder'd in his op'ning ears,
And stunn'd him with the music of the spheres,
How would he wish that Heav'n had left him still
The whisp'ring zephyr, and the purling rill?
Who finds not Providence all good and wise,
Alike in what it gives, and what denies?
Far as creation's ample range extends,
The scale of sensual, mental pow'rs ascends:
Mark how it mounts, to man's imperial race,
From the green myriads in the peopled grass:
What modes of sight betwixt each wide extreme,
The mole's dim curtain, and the lynx's beam:
Of smell, the headlong lioness between,
And hound sagacious on the tainted green:
Of hearing, from the life that fills the flood,
To that which warbles through the vernal wood:
The spider's touch, how exquisitely fine!
Feels at each thread, and lives along the line:
In the nice bee, what sense so subtly true
From pois'nous herbs extracts the healing dew:
How instinct varies in the grov'lling swine,
Compar'd, half-reas'ning elephant, with thine:
'Twixt that, and reason, what a nice barrier;
For ever sep'rate, yet for ever near!
Remembrance and reflection how allied;
What thin partitions sense from thought divide:
And middle natures, how they long to join,
Yet never pass th' insuperable line!
Without this just gradation, could they be
Subjected, these to those, or all to thee?
The pow'rs of all subdu'd by thee alone,
Is not thy reason all these pow'rs in one?
See, through this air, this ocean, and this earth,
All matter quick, and bursting into birth.
Above, how high, progressive life may go!
Around, how wide! how deep extend below!
Vast chain of being, which from God began,
Natures ethereal, human, angel, man,
Beast, bird, fish, insect! what no eye can see,
No glass can reach! from infinite to thee,
From thee to nothing!—On superior pow'rs
Were we to press, inferior might on ours:
Or in the full creation leave a void,
Where, one step broken, the great scale's destroy'd:
From nature's chain whatever link you strike,
Tenth or ten thousandth, breaks the chain alike.
And, if each system in gradation roll
Alike essential to th' amazing whole,
The least confusion but in one, not all
That system only, but the whole must fall.
Let earth unbalanc'd from her orbit fly,
Planets and suns run lawless through the sky;
Let ruling angels from their spheres be hurl'd,
Being on being wreck'd, and world on world;
Heav'n's whole foundations to their centre nod,
And nature tremble to the throne of God.
All this dread order break—for whom? for thee?
Vile worm!—Oh madness, pride, impiety!
What if the foot ordain'd the dust to tread,
Or hand to toil, aspir'd to be the head?
What if the head, the eye, or ear repin'd
To serve mere engines to the ruling mind?
Just as absurd for any part to claim
To be another, in this gen'ral frame:
Just as absurd, to mourn the tasks or pains,
The great directing Mind of All ordains.
All are but parts of one stupendous whole,
Whose body Nature is, and God the soul;
That, chang'd through all, and yet in all the same,
Great in the earth, as in th' ethereal frame,
Warms in the sun, refreshes in the breeze,
Glows in the stars, and blossoms in the trees,
Lives through all life, extends through all extent,
Spreads undivided, operates unspent,
Breathes in our soul, informs our mortal part,
As full, as perfect, in a hair as heart;
As full, as perfect, in vile man that mourns,
As the rapt seraph that adores and burns;
To him no high, no low, no great, no small;
He fills, he bounds, connects, and equals all.
Cease then, nor order imperfection name:
Our proper bliss depends on what we blame.
Know thy own point: This kind, this due degree
Of blindness, weakness, Heav'n bestows on thee.
Submit.—In this, or any other sphere,
Secure to be as blest as thou canst bear:
Safe in the hand of one disposing pow'r,
Or in the natal, or the mortal hour.
All nature is but art, unknown to thee;
All chance, direction, which thou canst not see;
All discord, harmony, not understood;
All partial evil, universal good:
And, spite of pride, in erring reason's spite,
One truth is clear, Whatever is, is right.
An Essay on Man is a poem published by Alexander Pope in –[1][2][3] It is an effort to rationalize or rather "vindicate the ways of God to man" (l), a variation of John Milton's claim in the opening lines of Paradise Lost, that he will "justify the ways of God to men" (). It is concerned with the natural order God has decreed for man. Because man cannot know God's purposes, he cannot complain about his position in the Great Chain of Being (ll) and must accept that "Whatever IS, is RIGHT" (l), a theme that was satirized by Voltaire in Candide ().[4] More than any other work, it popularized optimistic philosophy throughout England and the rest of Europe.
Pope's Essay on Man and Moral Epistles were designed to be the parts of a system of ethics which he wanted to express in poetry. Moral Epistles has been known under various other names including Ethic Epistles and Moral Essays.
On its publication, An Essay on Man received great admiration throughout Europe. Voltaire called it "the most beautiful, the most useful, the most sublime didactic poem ever written in any language".[5] In Rousseau wrote to Voltaire admiring the poem and saying that it "softens my ills and brings me patience". Kant was fond of the poem and would recite long passages from it to his students.[6]
Later however, Voltaire renounced his admiration for Pope's and Leibniz's optimism and even wrote a novel, Candide, as a satire on their philosophy of ethics. Rousseau also critiqued the work, questioning "Pope's uncritical assumption that there must be an unbroken chain of being all the way from inanimate matter up to God."[7]
The essay, written in heroic couplets, comprises four epistles. Pope began work on it in , and had finished the first three by They appeared in early , with the fourth epistle published the following year. The poem was originally published anonymously; Pope did not admit authorship until
Pope reveals in his introductory statement, "The Design," that An Essay on Man was originally conceived as part of a longer philosophical poem, with four separate books. What we have today would comprise the first book. The second was to be a set of epistles on human reason, arts and sciences, human talent, as well as the use of learning, science, and wit "together with a satire against the misapplications of them." The third book would discuss politics, and the fourth book "private ethics" or "practical morality." Often quoted is the following passage, the first verse paragraph of the second book, which neatly summarizes some of the religious and humanistic tenets of the poem:
Know then thyself, presume not God to scan
The proper study of Mankind is Man.[8]
Placed on this isthmus of a middle state,
A Being darkly wise, and rudely great:
With too much knowledge for the Sceptic side,
With too much weakness for the Stoic's pride,
He hangs between; in doubt to act, or rest;
In doubt to deem himself a God, or Beast;
In doubt his mind or body to prefer;
Born but to die, and reas'ning but to err;
Alike in ignorance, his reason such,
Whether he thinks too little, or too much;
Chaos of Thought and Passion, all confus'd;
Still by himself, abus'd or disabus'd;
Created half to rise and half to fall;
Great Lord of all things, yet a prey to all,
Sole judge of truth, in endless error hurl'd;
The glory, jest and riddle of the world.
Go, wondrous creature! mount where science guides,
Go, measure earth, weigh air, and state the tides;
Instruct the planets in what orbs to run,
Correct old time, and regulate the sun;
Go, soar with Plato to th' empyreal sphere,
To the first good, first perfect, and first fair;
Or tread the mazy round his followers trod,
And quitting sense call imitating God;
As Eastern priests in giddy circles run,
And turn their heads to imitate the sun.
Go, teach Eternal Wisdom how to rule—
Then drop into thyself, and be a fool!
Pope says that man has learnt about Nature and God's creation by using science; science has given man power but man intoxicated by this power thinks that he is "imitating God". Pope uses the word "fool" to show how little he (man) knows in spite of the progress made by science.
- ^Pope, Alexander (). An Essay on Man; In Epistles to a Friend (Epistle II) (1 ed.). London: Printed for J. Wilford. Retrieved 21 May via Google books
- ^Pope, Alexander (). An Essay on Man; In Epistles to a Friend (Epistle III) (1 ed.). London: Printed for J. Wilford. Retrieved 21 May via Google books
- ^Pope, Alexander (). An Essay on Man; In Epistles to a Friend (Epistle IV) (1 ed.). London: Printed for J. Wilford. Retrieved 21 May via Google books
- ^Candide, or Optimism. Review of the Burton Raffel translation by the Yale UP.
- ^Voltaire, Lettres Philosophiques, amended edition, cited in the Appendix (p) of Philosophical Letters (Letters Concerning the English Nation), Courier Dover Publications , ISBN, accessed on Google Books
- ^Harry M Solomon: The rape of the text: reading and misreading Pope's Essay on man on Google Books
- ^Leo Damrosch (). Jean-Jacques Rousseau: Restless Genius. HOughton Mifflin Company.
- ^In the first edition, this line reads "The only Science of Mankind is Man."


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BZZZZ - Art Print
Wasps, bees, flies, beetles, nests and banksia's all thrown in together. This work developed a life of its own, hence is hard to explain the unexplainable…
Original artwork: 2011
Original materials used: 600 GRM Fabriano Watercolour Paper || Acrylic / Pen & Ink / Watercolour
Limited Edition Prints 99
Artwork is printed on high quality German Etching Archival paper, numbered, signed and embossed for authenticity.
26cm x 36cm = IMAGE
39cm x 48cm = PRINT
Production & shipping: Art Prints will take 2 business days to produce. Shipping within Australia will be additional 3-7 business days and international shipping will take an additional 5-15 business days.
Disclaimer: Images featured are a digital representation. Final produced product may vary slightly.


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'Bago Chronicles: Moving Day
I'm here! It took all of today and there's more to do tomorrow, but as of right this second, I'm officially (mostly) moved into my new studio apartment in Tobago. #OfficiallyAdulting. It's a small studio apartment in Black Rock, and it's perfect. The area itself is gorgeous and breezy. There are chickens running around by the neighbors and a few more iguana that I'm comfortable with, but all in all, it's a perfect combination of the Tobago I remember from growing up, and the Tobago I need it to be as a ~*tWeNtY sOmEtHiNg PrOfEsSiOnAl*~
Truthfully, I'm very nervous. I've moved here for a new job and for the first time I will be wholly responsible for myself. It's mildly terrifying but also weirdly freeing. No one ever really teaches you how to be an adult and I'm kind of beginning to realize that it's sink or swim. You're never going to be ready. You just have to strike out and hope you don't end up on the street. It'll take some adjusting, I'm sure I'll manage. I have to learn how to do everything on my own again. From navigating the island to learning to cook for one, to learning how to shop for one, I'm really going to have to dedicate some time to figuring out how to live on my own.
But Tobago moves at such a relaxing pace that I think it may have already tricked me into thinking there is no sense of urgency. I've been to Tobago many times but I don't think I ever noticed how truly gorgeous it is until now. So much of the landscape is still unsullied, and even where there is evidence of people, the green space is always there, reminding you there are more important things in life. My apartment is literally two houses down from the beach. I can see the ocean every time I pull my car out of the garage. It's a little mind-blowing.
I start at my new position in two weeks, so I have lots of time to acclimatize. I'm looking forward to decorating and making this space my own. It's small and cozy, but more than enough space for me. I'm kind of excited to have my first place. This is the start of another chapter of my life and I'm terrified, but open to possibilities. Let's see how things go...
I think I'm going to like it here.
Cate Young


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To continue my ongoing saga of seeking my viola "match," I recently came across a viola at a violin shop in Portland, Oregon, which made my heart skip. A gorgeous viola made in 1912 by G. H. Blair of Spokane, this instrument sounded as breath-taking as it looked. Unfortunately, at 16.5 inches, I struggled to even reach the tuning pegs. The curse of being a small violist!
However, I am intrigued by this viola's untold story. The folks at the shop didn't know much about this instrument, but I would love to find more information. I was able to try one of his later violins also at the shop but this viola has a particularly special quality to it. Who was this maker who lived in Spokane?


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Great 88
The number 8 is said to be lucky in Chinese culture, therefore Great 88 from Betsoft Gaming should be your ticket to riches. This Oriental-inspired game has a gentle theme and some outstanding graphics, making it a joy to play.
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TCF is a charitable organisation of bereaved parents, siblings and grandparents dedicated to the support and care of other bereaved parents, siblings and grandparents who have suffered the death of a child/children.
Our Helpline is always answered by a bereaved parent who is there to listen when you need someone to talk to. She/he can also put you in touch with your nearest Local Contact in the United Kingdom and provide you with information about our services. The Helpline also offers support and information to those supporting bereaved families. It is open every day of the year - 10.00am to 4.00pm / 7.00pm - 10.00pm (GMT).
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