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Cartoon Head Cake Rilakkuma Bear Silicone Mould
Cake mould can also be used for jellies & ice cream
Oven proof, microwave proof & freeze proof
Approx 17 x 15 cms
Colours supplied randomly, pink, blue, green etc.
Mould's size approx 5.7" X 4" X 2.1"
Silicone mold can withstand temperature of -20 C (-4 F) to 200 C (392 F)
Rilakkuma's name is a combination of リラックス and クマ(熊, Japanese for "relax" and "bear". Rilakkuma mysteriously appears in office lady Kaoru's apartment one day. On his back there is a zipper which when opened reveals a light blue polka dot patterned material.
His favorite foods are dango, pancakes, omurice, custard pudding, and grapes. True to his name, he enjoys relaxing and his favorite things include sleeping, lying around, watching television, listening to music and soaking in hot springs. He loves using Kaoru's yellow bean bag pillow and his friends Kiiroitori the yellow duck and Korilakkuma the white bear cub.
Please place any 6 items from any catergory into your basket the cost of the cheapest will be deducted from your basket.Please note
if returning an item purchased as part of one of our multi-buy offers, the value of the original discount will be offset against this return.


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In addition to my service as Mayor since 2004, I am currently also giving public service in other ways. I chair the following: the Advisory Council for San Juan County Higher Education; the Board of Directors for Transitions; and the San Juan County Homeless Coordinating Committee. I am also on the Board of Directors for the San Juan County Health Service District, a member of the San Juan Utah Substance Abuse Coalition, and a founding member of the Blanding Rotary Club. I am also a Commissioner for the Housing Authority of Southeastern Utah. These various service experiences nicely complement my role as Mayor of Blanding, and help me to serve our community better. It has also helped me gain a more balanced understanding of how Blanding fits into the broader San Juan County community.
The following is a snapshot of Blanding's growth and progress during my term as Mayor (2004-2009):
Communications – Cell Tower; Fiber Optics
Education (CEU) – Adult Learning Center; Health Science Building; Maintenance Building, Student Center
Fire – Station Expansion
Health – Blue Mountain Hospital
Housing – Crown Homes; New Sub-Divisions; Self-Help Homes
Police – Peace Keeping Balanced with Law Enforcement
Recreation – Park Improvements (Centennial, Central, Pioneer, Skate, Walter C. Lyman); Recreational-Use Annexation of Public Land; Wellness Center
Tourism – Centennial Celebration; Main Street Beautification
Transportation – Airport Improvements ($650K); Road Improvements ($2.5M)
Water – Blue Mountain Tunnel Restoration, Deep Wells, New Water Treatment Plant; Storm Water
While accomplishing the above, Mayor, Councils and City have reduced our overall debt, significantly increased savings for future major infrastructure projects and reduced property tax rates in five of the six budgets with which I have been involved. Currently, we have well in excess of $6 million dollars in grant funds at work for our community – over $4 million of which are dedicated to water improvement projects and the balance for our pending wellness center.
I am committed to continue to serve the Blanding community in the following ways:
Advocate for the Blanding Campus during the USU restructure
Advocate for the return of San Juan County Anasazi artifact collections to Blanding
Continued Progressive Infrastructure & Economic Development
Equal enforcement of the law without preference or prejudice
Zero tolerance for illegal drugs and alcohol offenses
I am asking for the citizens of Blanding to continue the momentum by reelecting me as Mayor on November 3. Your vote will be appreciated.

subset: commoncrawl


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Wednesday, April 11, 2012
Autumn and All
Across the river from the nuthouse
under the gush of grey
sodden sky flirting with the
sun—a fickle breeze tumbles
autumnal leaves through the last gasp
of meadows, golden and rusted
brambles and milkweed
the glimmering of winter berries.
All along the river the reddish
leathery, stubborn, snaking
stuff of vines and other creepers
once verdant, persistent leaves sprawling
over hapless earth.
Yesterday the grass, now
the lace of frost traces maple veins.
Tomorrow the stark solemnity
of leave-taking—Then, the end
creeps upon them: surprised, they
burrow into deepening frost.
I have been reading a lot of William Carlos Williams of late. Here, a take on SPRING AND ALL, one of my favorite poems.
To see more of my poetic glimerings as we traverse National Poetry Month, detour to BLUETRUEDREAM, my blog of daily musings. Peace...
4 comments:
I love your bare-knuckled descriptions, the "nuthouse", the "fickle breeze" and the "surprise" in the final lines. Sorry I haven't gotten hip to your other blog until now. Do you have the book itself entitled 'Spring and All'? It's one of my very favorites: a fascinating hybrid of prose and poetry, explication and demonstration. No one can truly appreciate the red wheelbarrow who hasn't read it in the context of the whole book.ReplyDelete
Thanks for reading this poem. Mark, your words mean a lot, you are a poet whose work I aspire to, so thanks. I do NOT have the book, though I have other collections, and will rectify that asap. Peace...ReplyDelete
New Directions just came out with a facsimile of the original - this is on my wish list.ReplyDelete
I've been thinking about this poem since I read it. It's really good. I think you're far better at poetry than perhaps you realize.


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Among the small "peep" sandpipers, this is a beefy shorebird seen more often in wet grass than sand or water. Combination of larger size, yellowish legs, and brownish bill base is usually enough to separate from other sandpipers; also look for dense breast streaking with abrupt border at white belly. Upperparts brown with rufous tinge. Plumage and yellow legs similar to Least Sandpiper but much larger. Males have large air sac in throat, which they inflate during display.
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Comprehensive life histories of North American breeding birds
Life histories of all species breeding in Mexico, Central America, and South America


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According to a survey commissioned by the Johns Manville company (a leading manufacturer of an extensive line of energy-efficient building products, such as insulation materials) most Americans think that the transportation sector (cars, trucks, buses, etc) is the number one user of energy in the country. Americans are incorrect in their thinking. The family car is not the number one energy hog, it's the family home. (Since most homes are energized by fossil fuels, American homes are also responsible for the most greenhouse gas emissions.)
According to a survey commissioned by the Johns Manville company (a leading manufacturer of an extensive line of energy-efficient building products, such as insulation materials) most Americans think that the transportation sector (cars, trucks, buses, etc) is the number one user of energy in the country.
Americans are incorrect in their thinking.
The family car is not the number one energy hog, it's the family home. (Since most homes are energized by fossil fuels, American homes are also responsible for the most greenhouse gas emissions.)
Johns Manville's Energy Awareness Month Survey of 1,032 Americans, conducted by Opinion Research Corporation, revealed that 35 percent thought that road transportation was the single largest consumer of energy in the US. Only 12 percent of respondents said that residential buildings ranked first as the single largest energy consumer.
Further the largest number of respondents, 44 percent, also said that road transportation ranked as the largest contributor of greenhouse gas emissions; only 4 percent said it was residential buildings and 6 percent said commercial buildings.
The reality check comes from the May, 2007 report from the McKinsey Global Institute titled "Curbing Global Energy Demand Growth: The Energy Productivity Opportunity" which showed that the US residential sector ranks as the single largest energy consumer in the world, and homes worldwide account for 25 percent of total energy use.
On the greenhouse gas front the U.S. Energy Information Administration supports the McKinsey claim. The EIA says that residential and commercial buildings are responsible for almost half, 48 percent, of greenhouse gas emissions in the US.
Why are US homes the number one energy consumers? According to the Harvard University School of Public Health, 46 million, or 65 percent of U.S. homes, are currently under-insulated. The US Department of Energy estimates that 40 percent of all air leaks in the average home are in the attic. (Johns Manville of course, and correctly so, would like to help in that regard by encouraging people to stuff more insulation up there.)
Kateri Callahan, president of the Alliance to Save Energy had this to say about homes, "Many homeowners don't realize that a typical house releases almost twice as much carbon dioxide annually as a typical car. But when you consider the energy needed for heating, cooling, lighting and appliances, it becomes apparent that today's homes can be real 'energy guzzlers.' The good news is that there are ample opportunities for homeowners to assess their homes' energy use. Energy-efficiency upgrades not only reduce energy consumption and greenhouse gas emissions, but also lower home energy bills."
Kateri is absolutely correct, of course. There's a whole cornucopia of techologies readily available to cut energy consumption and thus greenhouse gas emissions from homes. Further, the building and building systems industries continue to add new ideas, new concepts, new products to the already bursting horn of plenty.
For example Johnson Controls recently completed the design and installation of a unique heat pump-based HVAC system and controls for the new headquarters (a refurbished bank branch) of Integrated Design Associates (IDeAs), the IDeAs Z2 Design Facility in San Jose, California. The efficient heat-pump system circulates either warm or cool water through the concrete floor slab to create radiant heating or cooling, depending on the season. Note the key phrase "warm or cool water through the concrete floor slab to create radiant heating or cooling." Typlically heat pumps are known as moving warm or cool AIR through ductwork in a building to heat or air condition it. Radiant heating is considered the most comfortable and most efficient way to heat a building, home or commercial. (Radiant cooling is something new to me.)
There are also solar panels on the roof to run all systems and equipment in the building. Skylights and high-efficiency windows working in conjunction with energy-efficient lighting that include sensors that will switch off most of the facility's lighting to decrease energy consumption.
The building is one of the first net-zero energy, zero carbon emission commercial office buildings in the US.
In Europe, where energy efficiency has been the mantra for decades, there's already a standard for ultra-low energy homes - the passivhaus building standard developed in Germany.
There are over 5000 homes built in Germany, Austria and Switzerland that do not need central heating despite a cool temperate climate, according to CEPHEUS,
To meet the passivhaus standard, triple-glazed windows need to be optimized for south-facing and contribute close to 40 percent of space heating demand. The building envelope, as well as window frames, must be superinsulated and air tight.
Aside from solar thermal heating from windows the buildings must use heat recovery systems and latent heat recovery from hot exhaust air as well as subsoil heat exchangers for fresh air preheating. To keep air from gettin stale inside there's directed air flow throughout the homes with exhaust air extracted from damp rooms.
Heat for domestic water comes from renewable sources, perhaps stylish and readily available pellet water heaters. And, high efficiency, low energy consumption,electric appliances complete the package by slashing power consumption by 50 percent.
CEPHEUS (Cost Efficient Passive Houses as European Union Standards) is a project involving the construction and scientific evaluation of about 250 housing units built to Passive House standards in five European countries
Alliance to Save Energy http://www.ase.org
CEPHEUS http://www.cepheus.de
Johns Manville http://www.jmhomeowner.com
Johnson Controls http://www.johnsoncontrols.com
IDeAs Z2 Design Facility http://www.z2building.com
IDeAs http://www.ideasi.com


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Renew or replace your adult passport
The rules for passports, driving, EHIC cards, pet travel and more may change from 1 January 2021. Act now so you can travel as planned.
It costs £75.50 to renew or replace your passport if you apply online or £85 if you fill out a paper form.
You must be aged 16 or over (or turning 16 in the next 3 weeks) if you want an adult passport. There's a different process to get a passport for a child.
If you're in the UK you can:
- renew your passport if it's expired or will expire soon (including if you currently have a child passport)
- replace your passport if it's been lost, stolen or damaged
- change the details on your passport
There are different ways to renew or replace your passport if you're outside the UK.
How long it takes
It should take 3 weeks to get your passport. Use a different service if you need it urgently.
It can take longer if more information is needed or your application has not been filled in correctly.
Do not book travel until you have a valid passport - doing so is at your own risk. Your new passport will not have the same number as your old one.
Tracking your passport application
You can track your passport application immediately if you apply online or after 3 weeks if you apply by post.
Getting your new passport
Your new passport will be sent to you by courier or Royal Mail. They'll either:
- post it through your letterbox
- hand it to you if you're home
- leave a card or post you a letter saying how you can get it (it will not say the package is your passport)


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Date: about 1976
Address: 197 North 300 West
The history of this historic house in Logan is unknown. If you know something about it, please let us know. The address is approximate and has not been verified.
Picture ID: 1230
Source: Community Development Photo Collection
If you have any additional information about this photo, send us an email.


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0 in your BagX
$183.00Add All to Bag
*At least 90% of ingredients are derived from natural sources processed in allowance with third-party standards – currently the COSMOS standard. Natural sources include water, plants, minerals, ingredients of mineral origin and other agricultural ingredients. For more information, go to marykay.com/naturally.
**To learn more about the COSMOS standard, see https://cosmos-standard.org/the-cosmos-standard/.
*Based on a majority of panelists who agreed with statements in a one-week independent consumer study during which 200 women used Mary Kay Naturally™ Moisturizing Stick daily as desired


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I find myself jumping between stackoverflow, superuser and serverfault to check on my activity. Unfortunately there's no easy way to do that other than typing in the other domain and browsing there manually.
Now that we have the ability to associate different accounts it would be nice if we could display a bar along the top of the screen that lets you jump directly to the other site. Additionally the bar can indicate when you have new activity on the other site and your current reputation.
An example of what I'm talking about can be seen on the 37signals apps. When you have a highrise and a basecamp account you can jump between your linked accounts easily.


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Mariella Cas
Cypress Creek High
Memories of Mariella Cas
Are you Mariella Cas?
This page means someone is someone is looking for you. Register for free to let other alumni contact you and more:
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About placeholder profiles
You are visiting the placeholder page for Mariella Cas. This page is here because someone used our placeholder utility to look for Mariella Cas. We created this page automatically in hopes Mariella Cas would find it. If you are not Mariella Cas, but are an alumni of Cypress Creek High School, register on this site for free now.


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Sorry for the shaky photo, this is not one of my best.
With his infamy going down in the underworld, Bruno needed to boost his reputation. He did this by traveling to the mountain of Creek in the South and eliminating the Archenmind, a ugly eight-legged beast. The monsters head cost him several scars on his arms and handsand the blade of his sword, but this was a small price to pay for killing the ugly-looking thing.
Once again sorry for the shaky picture. Any comments or suggestions would be welcome.


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WEEKENDER IN THE WOODS...august BH weekend. CANCELLED.
We may still do a 1 day event on the sunday if enough people are interested in coming.
Sorry folks, but there is too much to do in preparation for this and I havent the time to sort it.
Start a list below if you want to come on the Sunday, and we will make a decision in the next few days whether to do a 1 day event or not.
Cheers Greg


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More Frugal Tips /The Royal Family/From Our Readers /Guest Post
Next weekend I was invited to go to an open house for a couple that just got married. I don't personally know the couple but I go to church with their parents. I wanted to make them something cute, but not spend a lot. Here's what I came up with and you won't believe how easy and inexpensive it is!
All you need is a plain bathroom tile. I got mine at Home Depot and I think it was 17 cents…yes under a quarter. You also need some stencils. I picked mine up at Michael's a few weeks ago when they were on clearance for less than $3. I've also seen them at Walmart. But if you don't want to buy any you can trace a letter onto some thin cardboard (like a cereal box) and cut it out with an sharp knife. I've already used these stencils for a few projects, so to me they were a fabulous investment. And of course if you were blessed with great handwriting you may not even need a stencil! You also need some acrylic paint, I only used about 1 tablespoon. A q-tip or sponge brush. And some clear spray, modge podge may work as well but I haven't tested it. Most of these items I already had, so this project only cost me 17 cents!
(I forgot to show the clear spray but it is in a picture below)
Make sure your tile is clean. Place the stencil centered on the tile. Lightly dab the q-tip in paint and then dab off any excess paint. Then dab up and down on the stencil. If you use too much paint it will bleed under the stencil. I also found that if you use a brush the bristles would go until the stencil. Be sure to keep the stencil tight against the tile. When you are finished lift the stencil straight off.
If you want to add more letters or designs, let the paint dry and then repeat.
I painted around the tile and then wiped the edges to give it an antiqued look. When you are done let it dry completely. Then take it outside and spray it with a clear spray. I used two light coats. That spray paint cost me a few bucks, but again I've used to on so many projects, another good craft investment!
After it was completely dry I glued a ribbon on the bag so it could be hung on the wall.
Easy. Cute. Inexpensive.
There are many possibilities to this project. You could make one for each letter in a name and then hang them up in a nursery. Make one for each letter in your last name to display in your home. Let me know what you come up with!
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Don't forget to download the ConsumerQueen.com Savings Toolbar.


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K Rend Primer TC - Antique White
£65.01 (ex. VAT)
£78.01 (incl. VAT)
Brand K Rend
Minimum of 20 bags for non stocked products
K Rend Primer TC is a synthetic resin primer designed for use to prepare masonry substrates prior to the application of a K Rend thin coat topcoat (eg: Silicone TC)
- Low odour, ready to use primer which is quick and easy to apply.
- Primer TC should be used after the application of K Rend base coat and before Silicone Topcoat.
- Apply by brush, roller or spray.
- Available in a wide range of colours which should be coordinated to the colour of the Topcoat.
- A 15kg tub covers approx. 60 sqm.
K Rend Base Coats & Stocked K1 Colours are available for next working day delivery (Excludes Scottish highlands and UK islands - Please call 01793 496277 for delivery timescales). Non stocked colours & products have a lead time between 5 - 10 working days. Split deliveries may be available upon request.


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Here we are, three weeks into summer and come this July 11th we've got only one thing on our minds: free Slurpee day at 7-Eleven, right? Well, get ready to double down on your summer-fun pleasure index for this Wednesday July 11 marks the return of the annual Carolina Beach Music live DJ spectacular at Amoeba Music in San Francisco from 6-9pm. DJ Flip-Flop Mode and myself will be breaking off hit after hit of classic sunny oldies, boardwalk soul b-sides, and rhythm & blues shuffles what you can Shag to (no, not that kind of shag you cheeky monkey).
What is Carolina Beach Music?
Like other regional Oldies/Soul sub-genres, think Lowrider Oldies or Northern Soul, Carolina Beach Music (or just plain Beach Music if you're in Carolina, nothin' could be finer) developed from various musical styles of the 40's, 50's, and 60's that became closely associated with a fancy, footwork-heavy style of dance known as the shag, or the Carolina shag (which, fun fact, is also the official state dance of both North and South Carolina).
Prior to the Civil Rights Act of 1964, white youth in the Jim Crow South could not easily access the compelling music of primarily black R&B artists in their home towns and, in some communities, this remained in effect even after racial integration was implemented in the region. But the kids, as kids are always wont to do, found ways of flocking to the bars and band shells of the Carolina beaches where the shag was the fad and R&B ruled the jukeboxes and R&B artists sometimes performed live (see: Bo Diddley's Live Beach Party Album, recorded live in concert in July 1963 at the Beach Club in Myrtle Beach, South Carolina). Those college students and vacationing teenagers of Beach Music's early years went on to ween their young'uns and their young'uns young'uns on the The Tams, The Embers, The Drifters, The Tymes, The Platters, Ernie K-Doe, Bob & Earl, General Johnson & The Chairmen of the Board, and Major Lance just to name a few.
Quite often the most popular Beach Music jams were discovered on the flip-side of a chart-topper and some of the original acts made famous by the Beach Music phenomenon maintain a popular following today having scored crucial Beach Music hits, besides b-sides, on through the 70's and 80's. With several radio stations in the Carolinas dedicated to broadcasting Beach Music and Beach Music only nowadays, if you find yourself rockin' your digital audio files north or south of the Carolina border this summer let me not be the first to declare: not only are you doing it wrong but you're dealing the season a disservice. And if you're rocking a hi-fi at home, take it from me: many of the best Beach Music gems can be exhumed from the bargain bin in Amoeba Music's extensive collection of 45s and it's worth puttin' in the time mining them out. Here's a hint: pretty much anything on the Ripete label is legit Beach Music fare (even if they are all re-pressings, Ripete reissued a ton of hard to find Beach Music platters for the greater good).
In other words: Beach Music is a guaranteed party, people! So get to fixin' this Wednesday, July 11, by hittin' up your local S'leven, secure your Slurps and come on up to Amoeba Music SF from 6-9pm for Hold Back The Night 2012: a proper Beach Music get down spun by two genuine Carolina Girls, I suwannee!
"Hold Back The Night" - The Trammps


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Architectural Outdoor LED Wall Lights | Shape: Round; Mount Type: Wall
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Episode 2 | 54m 43s
Darius Arya uses the latest scanning technology to reveal the historical secrets of Cairo and Ancient Egypt. He explores the Great Pyramid of Giza and the first pyramid ever built. He also explores a hidden Roman fortress and discovers a well deep in the rock below the Arabic citadel of Saladin.
Aired: 09/05/18
Expires: 09/04/26Video has closed captioning.


text: When it comes to wedding dresses, Vera Wang is a household name. Whether we're newly engaged, waiting for our guy to pop the question or still looking for Mr. Right we dream of walking down the aisle in one of the designer's awe inspiring creations. And, when Chelsea Clinton tied the knot, looking fabulous in a Vera Wang last weekend, she only fueled the fantasy. But with prices starting at four grand and going upwards of twenty-five, it isn't a very realistic option for most of us. Good news! Wang is partnering with David's Bridal, and the moderately-priced chain will be launching a line of her gowns for Spring 2011. The collection will include 20 designs ranging in price from $600 to $1500, with the majority under $1200. Bridesmaids can also celebrate because a line just for them will be following the launch of the bridal collection. (Designer bridesmaid dresses? Yes please!) And it's rumored that ensembles for flower girls and junior bridesmaids are on the horizon. Talk about becoming a fashionista at a young age! Need a gift for the bride to be? Check out our Appliance & Technology Director's picks for the Top Ten Wedding Gifts


text: This is the Great Planes C.G. Machine Precision Aircraft Balancer. **Not designed for use with planes under 2 lbs flying weight** FEATURES: Accurately balances your plane and set the center of gravity for maximum flight performance Works for all types of airplanes that weight between 2 - 40lbs (0.91 - 18.144kg) flying weight Level vial for accuracy INCLUDES: Two Base black plastic (NYLON141) Two Socket caps black plastic (NYLON138) Two Rule holder black plastic (NYLON139) Two Rule end cap black plastic (NYLON140) One Level vial (LEVEL01) One 1/2" x 3" clear plastic strip (LEVEL02) Two Leading edge pointers (.074" x 2 1/2" wire) (WBNT262) Two 2-56 threaded ball stud (SCRW072) One 1"x1" double sided tape (FTAP001) Two 1" self-stick round foam pad (FOAM002) Two #4 x 3/8" sheet metal screw (SCRW043) One Rule set (left and right, clear plastic NYLON142) Two 1/4" x 16" upright metal rod (ROD003) Two 3/16" x12" base metal rod (WIRES07) One C.G. Machine sticker (STKER46) One instructions (BALP01) REQUIRES: Medium or thick CA glue, hobby knife, phillips screwdriver, small metal file, threadlocking compound, 600 & 220 grit sandpaper, small 90 degree triangle, tissue or paper towel and rubbing alcohol or glass cleaner COMMENTS: Available accessories to balance the airplane: GPMQ4485 Stick-on lead weights GPMQ4640 1/4-28 Brass spinner nut 2.5 ounce GPMQ4645 1 ounce spinner weight GPMQ4646 2 ounce spinner weight If the holes are slightly large around the rods, simply pinch them tight around the rods with a pair of pliers. (per R&D, AMC)


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You can read more about Cope (Copenhaver) on my website at http://www.cumpston.org.uk/#/copenhaver-cumpston-usa/4533405065
Cope Cumpston found her voice as an activist when she moved to Champaign-Urbana and got heavily involved with a political campaign. With hard work and long hours, it succeeded. She was amazed to find that, unlike Boston or the Bay Area, where she used to live, a smaller community gave her the opportunity to really make a difference.
Cope took that opportunity seriously. As part of the school board, she helped establish a fair election process. She also helped found the Bike Project of Urbana-Champaign, an advocacy group that provides space and tools for bike repair. Now, as a member of the grassroots Champaign County Health Care Consumers, Cope works to empower people to demand affordable, quality health care.
"Our community has so many opportunities, resources and richness. Everybody deserves their fair share." http://surface51.com/voices/copecumpston.php
Home: 239-5338 E-mail: cumpston at uiuc.edu Cope Cumpston is currently the Art Director for University of Illinois. Cope became a member of Ladies of Letterpress Dec 7, 2010.
Catherine Hume Cumpston
CUMPSTON, Catherine Hume "Cappy" Died on January 27 at Meadowbrook Health Center in Urbana, Illinois. She was born Catherine Hume Maguire on November 23, 1924 in Cambridge, Massachusetts, to Mary Hume and John MacArthur Maguire. Her sister Nancy Hoffman lives in Lutz, Florida. She attended Shady Hill School and Concord Academy, and graduated from Radcliffe College in 1946. She married Edward Henry Cumpston IV (Harry) on August 4, 1944, and had three children, Mary, Hank, and Cope. Two are living: Mary (Tsipora Bar Rashi) in Israel and Cope (married to Walter Matherly) in Urbana, Illinois. Her husband Harry died in 2006. She has six grandchildren (five in Israel, Sarah Matherly in Urbana, Illinois) and four great grandchildren in Israel. Cappy worked as Development Director of Bennington College, and as a fundraising consultant for Arthur Raybin Associates. She served on the board of directors of the Bennington Museum, and was active in the Garden Club of America. She was a talented singer, and was soloist in a number of church choirs. She enjoyed tennis, skiing, dancing and entertaining. She and her husband Harry lived in Massachusetts, New York, and Vermont, and retired to Naples, Florida. Contact through Cope Cumpston, 217-714-2389, email@example.com.
You can read her brother's obituary on my website at http:Cumpston//www.cumpston.org.uk/#/connecticut/4535583575
BLOOMINGTON – The Occupy Bloomington-Normal movement protested outside a campaign fundraiser for U.S. Rep. Aaron Schock on the east side of Bloomington on Friday night. The private event featured former Secretary of State Condoleezza Rice. Illinois State senior Kelby Cumpston said the group protested because they believe there's too much money going into political campaigns.


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Topics include, tooling, fixtures and jigs, setups, measuring, CMM's, materials and their properties and other general discussion about machining.
Use this control to limit the display of threads to those newer than the specified time frame.
Allows you to choose the data by which the thread list will be sorted.
Order threads in...
Note: when sorting by date, 'descending order' will show the newest results first.
Forum Rules


text: Discover many beautiful bracelets for a perfect layering look! From super casual INDIA pieces in wood and natural moonstones to sophisticated SIGNATURE bracelets in pure gold or teamed with pave. For an ultimate touch of glamour, don't miss our stunning MIKADO FLAMENCO pieces in our famous Color Stories. So many designs to choose from!


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Steinhoff UK Group – UK Tax Strategy
The Steinhoff UK Group (the "UK Group") is the group of companies owned directly or indirectly by Steinhoff UK Holdings Limited (including this company), which itself is a subsidiary of Steinhoff International Holdings N.V.. The Steinhoff International group has a Tax Risk Management Framework to align the worldwide group's approach to tax management and tax risk. The UK Group ensures its compliance with this framework by paying the right amount of tax, in the right place, at the right time.
The UK Group considers this publication meets the requirement of the Finance Act 2016 to publish its UK tax strategy.
Tax Risk Management
Tax considerations impact on all the UK Group's commercial operations whether these are corporate business taxes based on trade results, VAT and customs duties on the products we buy and sell, employment tax responsibilities when paying staff we employ, or property taxes on the premises from where we make our offering. The UK Group's in-house tax function plays a role in all aspects commencing with planning and reviewing change proposals to implementation and recording to HMRC through the tax returns and reports.
Within the UK, the UK Board is ultimately responsible for the management of tax risk. The Finance Directors of each subsidiary company or division in turn hold responsibility for tax accounting arrangements within their own businesses, whilst day to day responsibility for the management of the UK group's tax risk rests with the UK Group Tax Manager. The UK Group Tax Manager has clear reporting channels to all Finance Directors and the divisional and UK Group audit committees, and a tax compliance status report is presented at each quarterly UK Group audit committee meeting, with significant or material matters being reported to the UK Board.
Minimising the tax risk also relies heavily on the accounting systems and controls in the underlying businesses. The UK Board is responsible for implementing and monitoring these systems and controls, with delegation to the Finance Directors of the subsidiary companies and divisions for the day to day management. The internal audit team regularly assesses and tests these controls, and reports to divisional audit committee meetings on a quarterly basis. The businesses in the UK Group are also required to complete and maintain risk registers which are discussed at the quarterly audit committee meetings, and in order to comply with the Criminal Finances Act 2017, businesses are required to have in place controls to specifically guard against tax evasion. External auditors provide an opinion on the UK Group companies' results on an annual basis, which includes tax amounts and disclosures.
Overall, the UK Group's appetite for tax risk is low and it structures its affairs based on sound commercial principles.
Tax Planning
As stated above, tax considerations can have a significant impact on the UK Group's commercial operations. The UK Group recognises its duty to stakeholders to control unnecessary costs, including taxation, so utilises tax reliefs and allowances that are available. We do not condone either personal or corporate tax evasion under any circumstances.
Efficient tax planning is engaged to support our business and reflect commercial and economic activity. Adherence to relevant tax law is fundamental and the UK Group seeks to minimise the risk of uncertainty or disputes.
For the purposes of UK corporation tax, forecasts are prepared for the UK Group on a quarterly basis in order that an estimate can be made of the annual corporation tax due, and payments on account can be made accordingly. These forecasts inherently contain numerous estimates, particularly surrounding future trading prospects, but are put together with the support of results from all relevant underlying businesses to ensure that the estimate is as accurate as it can be in the circumstances.
Professional opinions are sought from reputable external advisers on matters where the amount of tax involved is significant and the tax treatment uncertain.
Dealings with tax authorities
A full and active dialogue with tax authorities such as HMRC is maintained, disclosing all relevant facts and circumstances in a timely manner. Where relevant, we will use tax clearances to obtain agreement in advance from tax authorities prior to undertaking transactions.


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Welcome to the Institute of Chemical Biology & Drug Discovery
Message from the Director
Objective of ICB&DD
The primary objective of ICB&DD is to establish a world-class "Center of Excellence" in chemical biology and drug discovery at Stony Brook University. The rapid and impressive advancements in chemical biology during the last decade have clearly demonstrated that solutions for a vast majority of medical problems rely on the understanding of the molecular basis of diseases, therapeutic targets, drug actions, and drug resistance. ICB&DD promotes highly productive interdisciplinary and collaborative research among chemists, biologists, medicinal chemists, pharmacologists, and physicians to attack major biomedical problems to find solutions including the discovery of novel therapeutic drugs.
ICB&DD will complement Stony Brook's Centers for Molecular Medicine (CMM) and significantly contribute to the establishment of a truly comprehensive biomedical research enterprise from molecular science to clinic at Stony Brook. Fundamental biological research often fails to include drug discovery, which is one of the most important and beneficial scientific contributions to mankind. Thus, drug discovery is included in the scope of ICB&DD together with chemical biology. The Stony Brook University Cancer Center (SBUCC), the Center for Infectious Diseases (CID), the Center for Structural Biology (CSB) and the Laufer Center for Physical and Quantitative Biology (LCPQB) will be greatly benefited by ICB&DD to promote translational and experimental therapeutics research. In addition, ICB&DD will bridge chemical biology to immunology, infectious disease, and research on aging. It is already well perceived that chemical biology covers genomics and proteomics, which already have a strong presence in pharmacological sciences, biochemistry, biophysics, and microbiology departments at Stony Brook. One of ICB&DD's strengths is that it has been founded by reorganizing existing exceptional talents on campus, and thus the core of the institute is a well proven entity with an excellent track record.
Join us to explore the exciting basic and translational biomedical research at Stony Brook by adding your expertise!
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Mplus Home
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Categorical Data Modeling
Brian W
posted on Monday, April 07, 2008 - 7:43 pm
Hi there,
This may be a simple question.
I am doing a path analysis and have a categorical indicator variable with 4 levels. From what I have read on here, it looks like I need to create three dummy codes 0/1, just like in regression. Then what? Do I create an ON statement with all dummy codes - i.e., y1 ON dummy1 dummy2 dummy3? How do I interpret the output for these codes?
Linda K. Muthen
posted on Tuesday, April 08, 2008 - 10:09 am
Mplus is a regression-based program. You would create three dummy variables and interpret them as in regular regression.
Xiaoyu Qian
posted on Thursday, May 08, 2008 - 10:35 am
What is the maximum number of indicators and factors Mplus can handle using CCFA? I have a test with a lot of items(3 categories) and observations a little over 1000. Thank you for your help.
Linda K. Muthen
posted on Thursday, May 08, 2008 - 10:47 am
How many is a lot of items?
Xiaoyu Qian
posted on Thursday, May 08, 2008 - 10:51 am
The whole test has over 200 items. But the items are ordinal (3 categories) and skewed. So I am thinking about a categorical CFA at first. And probably a second-order CFA later.
Linda K. Muthen
posted on Thursday, May 08, 2008 - 11:00 am
Your sample size may be too small especially if the items have floor or ceiling effects. You do not want empty cells in the bivariate frequency tables for pairs of items. You might check out these bivariate frequency tables as a first step.
Xiaoyu Qian
posted on Thursday, May 08, 2008 - 11:29 am
Thank you. The items are categorized into clusters according to theory. So I did polychoric correlation for one of the clusters using SAS. And I get pretty good correlations (above .53). Not sure if it is equvalent to checking the bivariate frequency tables. So if I want to use a CCFA on this cluster only. Do you think it will work using Mplus?
Linda K. Muthen
posted on Thursday, May 08, 2008 - 2:30 pm
I'm not sure how SAS operates in this situation. You would need to try this is Mplus to see what happens.
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2019 A Capitol Fourth Preview
Preview: Season 2019 | 30s
Join us July 4 at 8/7c on PBS for A Capitol Fourth featuring Carole King, the Broadway cast of Beautiful feat. Vanessa Carlton, the Muppets of Sesame Street, Vanessa Williams, Lee Brice, Keala Settle, Gone West feat. Colbie Caillat, The O'Jays, Yolanda Adams, Laine Hardy, Lindsey Stirling, Maelyn Jarmon, Laura Osnes, Angelica Hale, Maestro Jack Everly conducting the NSO and hosted by John Stamos!
Aired: 06/11/19Video has closed captioning.
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Corporate sponsorship by The Boeing Company. Additional funding by the National Park Service, the Corporation for Public Broadcasting, the Department of the Army and PBS. Travel is provided by American Airlines.


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The first trailer for High Rise has been released.
The first trailer for High Rise has been released.
Nothing currently
You and all the people can help here and any help would be more than appreciated. The goal is to be your number 1 source to Tom Hiddleston and for it, we need all the help you can give us. Anything you done will be creditted to you!
This site is always looking for pictures that we don't have up, so if you have scans, stills, shoots or any other picture that we could use, send to us. Full credits will be given.
Owner: Anne
Name: Tom Hiddleston Fans
Domain: tom-hiddleston.org
Since: February 2013
Adopted Out: February 2017
Host: Free Fansite Hosting
Tom Hiddleston Fans (tom-hiddleston.org) is a non-profit fansite. It is not official and has no affiliation with Tom Hiddleston himself, his family, friends or anyone around him. All pictures, videos and other media are copyright to their respective owners, no copyright infringement is ever intended. If there is anything on this site that belongs to you and you'd like me to take down, please e-mail me and I will do so immediately.
This fansite is strictly against any paparazzi or stalkerazzi pictures. We will not support any kind of bashing or privacy intrusion into Tom's life and/or the one of people around him. The gallery contains just paparazzi photos related to Tom's work, such as on-set photos and promotional related (arriving or leaving TV Shows...).


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Tiny, lanky woodland songbird, streaked brown and buff above, blends easily into bark. Reminiscent of a woodpecker as it hitches on the side of trees, probing for insects and spiders. Moves with short, jerky motions as it spirals up trees, bracing itself with long, stiff tail. Occasionally feeds on suet.
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text: The official website of "Baron" Julius von Brunk, a talented and quirky artist in New York! The original Amish cowboy, and the tattooed bearded LEGO maniac! Baron von Brunk specializes with making original LEGO models as a hobby, and creates graphics as a chosen profession. His most popular LEGO creations are often retro video game themed, such as the Super Mario Bros. 3 "Fireflower" airship model and the Game Boy Transformer, both published in Nintendo Power's May 2012 issue.


text:
|General software and network General OS-independent software and network questions, X11, MTA, routing, etc.
|Thread Tools
|Display Modes
I have been playing with asciidoc for some time.
First I converted parts of the OpenBSD ksh man page to asciidoc. I ran into some trouble because I pasted from the man page text, and that gives a lot of single back ticks (`) in the text. In asciidoc the backtick delimits a command like:
`ls -l`
The second newbie error was forgetting to handle the asterisk '*', that is used to mark text as bold:
Then I decided to convert parts of the more simple markup of pf.conf(5). An small snippet:
The following actions can be used in the filter: *block*:: The packet is blocked. There are a number of ways in which a *block* rule can behave when blocking a packet. The default behaviour is to drop packets silently, however this can be overridden or made explicit either globally, by setting the *block-policy* option, or on a per-rule basis with one of the following options: *drop*;; The packet is silently dropped. *return*;; This causes a TCP RST to be returned for TCP packets and an ICMP UNREACHABLE for other types of packets. *return-icmp*;; *return-icmp6*;; This causes ICMP messages to be returned for packets which match the rule. By default this is an ICMP UNREACHABLE message, however this can be overridden by specifying a message as a code or number. *return-rst*;; This applies only to TCP packets, and issues a TCP RST which closes the connection. An optional parameter, *ttl*, may be given with a TTL value. + Options returning ICMP packets currently have no effect if pf(4) operates on a bridge(4), as the code to support this feature has not yet been implemented. + The simplest mechanism to block everything by default and only pass packets that match explicit rules is specify a first filter rule of: + -------------------- block all -------------------- *match*:: The packet is matched. This mechanism is used to provide fine grained filtering without altering the block/pass state of a packet. *match* rules differ from *block* and *pass* rules in that parameters are set every time a packet matches the rule, not only on the last matching rule. For the following parameters, this means that the parameter effectively becomes "sticky" until explicitly overridden: *nat-to, binat-to, rdr-to, queue, rtable*, and *scrub*.
You don't need to be a genius to debug a pf.conf firewall ruleset, you just need the guts to run tcpdump
|asciidoc, html output, markup language, pdf output
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Discover the Marriott for all your travel or vacation destination needs - whether for business, pleasure - or planning an event. Marriott has hundreds of deals on over 2,700 hotel locations internationally worldwide
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Democratic News
Sep 03 2013
Senator Wyden to Tour North Dakota Energy Sites
Senator Hoeven to Host Wyden Visit to the Bakken
Washington, D.C. – On Friday, Sept. 6 and Saturday, Sept. 7, Senator Ron Wyden, D-Ore., chairman of the U.S. Senate Committee on Energy and Natural Resources will tour Western North Dakota at the invitation of Senator John Hoeven, R-N.D, a member of the committee. The senators will meet with community leaders and energy employees to review energy development and community infrastructure needs in the region.
"The Bakken is right at the heart of a historic energy boom, which is rewriting the playbook for American energy," Wyden said. "As Chairman of the Energy Committee, I want to see for myself whether federal policies are keeping up with the pace of development there, and how to make sure that the U.S. is protecting the environment while maximizing the economic advantages of shale oil and gas. Sen. Hoeven graciously offered to show me around his home state and I'm excited to take him up on his invitation."
Friday, September 6
Wyden and Hoeven will hold a media availability in Bismarck to provide an overview and answer questions regarding their two-day tour of the Bakken Region.
9:30 a.m. CT Media Availability
National Energy Center of Excellence
Room 211
Bismarck State College
1500 Edwards Avenue
The senators will visit Blue Flint Ethanol biorefinery, developed by Great River Energy and Headwaters Inc., which now produces 65 million gallons per year of ethanol. Located adjacent to Great River Energy's Coal Creek Station power plant, the facility is the first co-located, directly integrated biorefinery in the world. Its combined heat and power design and location help make it one of the most cost-effective, energy-efficient and environmentally friendly plants in the country.
11:00 a.m. CT Coal Creek and Blue Flint Ethanol Tour
2875 Third Street Southwest
Media planning to tour Coal Creek on Friday, Sept. 6 must RSVP to email@example.com by noon CT, Thursday, Sept. 5. Long pants and closed-toed shoes required.
12:15 p.m. CT Reclaimed Hill
Group will depart from Coal Creek Station and Blue Flint Ethanol
Wyden and Hoeven will view a presentation by geologist Kathy Neset of Neset Consulting Services followed by a tour of a Whiting oil rig to review operations. Media are invited to both the briefing and the tour.
1:45 – 2:15 CT Whiting Oil Conference Room
701 4th Avenue NW
Watford City
2:45 p.m. CT Whiting Oil Rig and Hydraulic Fracturing Site Tour
South and West of Watford City
Following the oil rig tour, the senators will tour ONEOK Gas plant. MEDIA NOTE: ONEOK's safety policy requires guests to leave cameras and any other electronic media, including cell phones, inside the control building before embarking.
4:30 p.m. CT ONEOK Gas Plant Tour
3007 121st Avenue, NW
Watford City
Friday evening, the senators will hold a roundtable discussion with industry and tribal leaders.
7:00 p.m. CT Roundtable Discussion with Bakken Community,Tribal and Industry Leaders
Outlaws Bar & Grill
Lower Level
120 South Main Street
Watford City
Saturday, September 7
Saturday morning, the senators will tour a crew camp. Media invited onsite.
8:15 a.m. CT Target Logistics Man-Camp Tour
2509 14th Street NW
Watford City
The senators will review area infrastructure. Media may follow in their own vehicles as the senators review ongoing projects, including roads, schools, city and county buildings, community recreation facilities, medical clinics and hospitals, housing and other developing infrastructure. The tour will begin at the Long X Trading Post Visitor Center, 100 2nd Avenue SW, Watford City.
9:45 a.m. CT Watford City Ground Driving Tour
Long X Trading Post Visitor Center
100 2nd Avenue SW
Watford City


text:
Tracking Payments and Securities with IBM Financial Transaction Manager V2
IBM Redbooks Solution Guide
Published 31 January 2013
View online
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Rate and comment
Authors: John Arnold, Verena Michel, Rod Moon, Robert Snider
The reality for many financial institutions is a transaction processing environment that has evolved through a combination of organic development and a merger or acquisition where case-by-case projects have driven point-to-point implementations. These environments have the following characteristics:
- Diverse transaction formats
- Varying processing rules and requirements
- Many-to-many connections
- Broad combinations of technology stacks and platforms
Equipped with these environments, financial institutions must track, manage, and report on transactions while facing the challenges of changing business requirements that demand rapid extension, expansion for additional capability, or both.
This IBM® Redbooks® Solution Guide describes how IBM Financial Transaction Manager V2 provides integration and orchestration of transactions with an architecture that enables a streamlined environment. Such an environment is easier to maintain; increases transaction visibility; facilitates reuse of services, data, and processes; and improves agility to respond to changing business requirements.
The reality for many financial institutions is a transaction processing environment that has evolved through a combination of organic development and a merger or acquisition where case-by-case projects have driven point-to-point implementations. These environments have the following characteristics:
- Diverse transaction formats
- Varying processing rules and requirements
- Many-to-many connections
- Broad combinations of technology stacks and platforms
With these environments, financial institutions must track, manage, and report on transactions while facing the challenges of changing business requirements that demand rapid extension, expansion for additional capability, or both. These environments resist change because they take on these attributes:
- Complex and costly to maintain
- Incompletely documented
- Duplicated services, data, processes, and functions
- Controlled by different organizations within the institution
IBM® Financial Transaction Manager V2 (Figure 1) provides integration and orchestration of transactions to enable an architecture with the following capabilities:
- Enables a streamlined environment that is easier to maintain
- Increases transaction visibility
- Facilitates reuse of services, data, and processes
- Improves agility to respond to changing business requirements
Figure 1. Transaction Environment Transformation
Did you know?
IBM is the largest vendor in the payments industry. IBM computers and systems process many of the payment systems around the world. IBM Financial Transaction Manager builds on IBM's payments expertise to help financial institutions increase revenue, reduce cost, mitigate operation risk, and improve regulatory and legal compliance. For more information, see IBM Banking Industry Framework: IBM Financial Transaction Manager speeds introduction of new transaction services at
Business value
Virtually all financial institutions have multiple systems to process payment, trade, and securities messages. These systems have morphed over years or even decades and were implemented to be efficient at processing the needs of a particular department, function, or customer set. With so many systems evolving at differing times, paces, and purposes, process duplication inherently exists. Duplication and inconsistent processes create workflow friction, slowing client relationships and time to market. Because of this duplication, the existence of monolithic applications, redundant gateways, and numerous connections, payment systems can represent a higher percentage of expenses than they do revenue to a financial institution. The situation calls for strong pressure to reduce costs because increasing transactional volume might be unable to compensate for the revenue/cost differential.
While the internal pressures grow, financial institutions face increased pressure from nontraditional competitors who only offer niche products and services and lack the heritage that established financial institutions must maintain. Additionally, clients might exert pressure to have services added, modified to their own requirements, or to add new outlets that could never have been conceived during the original system implementation years or decades ago.
IBM Financial Transaction Manager provides an enterprise business-oriented view of payment and security messaging that can be modified and reused as needs change and competition morphs. Modeling facilitates the renovation and justifies each change along the way. IBM incorporates industry standards including ISO message formats and service-oriented architecture (SOA). The discipline and models of the Information Framework (IFW) provide tools, models, and techniques.
Implementing Financial Transaction Manager has the following typical benefits:
- Is agile in reaction to change
- Provides visibility of payments processes at design time and run time
- Integrates service components that are built, bought, or both
- Facilitates renovations by wiring together reusable service components
- Reduces the cost and impact of change
- Reduces the cost of testing additional applications with external networks
- Enhances liquidity management monitoring and control
- Reduces cost by enabling payment efficiencies and reducing system duplication
- Improves customer satisfaction with faster time to market
Solution overview
IBM Financial Transaction Manager provides the basis for defining and further customizing a bank's financial messages handling platform (see Figure 2).
Figure 2. Payments handling financial messaging platform
These platforms typically handle payments processes, but are also used for other types of financial messages such as securities message handling. A financial messages handling platform that is specialized for payments covers the entire payments handling process of a bank, from reception of payment orders through the payments factory to delivery of the payment orders to the corresponding payment partners. It covers the reception of payments requests from payments partners through a payments factory. It also covers the delivery of an execution report or statement to the bank's part of the payments handling process. These processes include the processes of the following hubs:
- The enterprise hub (processes oriented toward corporate customers)
- The compensation hub (processes oriented toward correspondent banks and the clearing and settlement mechanisms)
Financial Transaction Manager delivers a framework of the components that are required to set up a bank's payments or financial messages handling platform step by step. It starts with a limited scope in terms of payment types and processes and continuously enriches it, adding new functions and processes to it. These components cover several functions that are outlined in the following section.
Immediately usable functions
The following functions can be used immediately:
- The administration and configuration user interface, which provides alerts raising, payments monitoring, and administration of the major parameters such as channels, formats, and calendars
- The transaction database, which is designed for high performance and audit trailing
- The internal standard format, which is required for handling and monitoring different types of payment messages while using a single reporting and monitoring mechanism
- The business dashboard infrastructure and dashboard examples
- A sample payments handling application for verification of the installation and that delivers the basis for customization
- Prebuilt message transformations
Customizable functions
The following functions are customizable:
- Transaction routing services
- Transaction storing services
- Events and process orchestration services that you can define by using state machine diagrams
This task is simplified by using the supplied IBM Rational® models.
- Client acknowledgement services, which can be customized to meet specific payments partner or tool requirements
- Message mapping services, which facilitate the mapping between internal formats and the specific customer formats and interfaces
- Bulking and debulking services, which are delivered as examples that can be adapted to fit specific requirements
- Alert management and transaction status services, which can be raised when events or payment object statuses are reached
- Request/response correlation services, which facilitate the mapping of outgoing and incoming messages or interfaces
Middleware infrastructure
The required middleware infrastructure is delivered as part of the Financial Transaction Manager product download. Financial Transaction Manager has been thoroughly tested on the underlying middleware infrastructure.
Figure 3 shows the Financial Transaction Manager components.
Figure 3. Financial Transaction Manager components
Solution architecture
The Financial Transaction Manager platform consists of several components that are deployed and manifest in a Financial Transaction Manager solution:
- Data Model
The data model includes an operational database and a configuration database that are deployed in IBM DB2®.
- IBM WebSphere® Message Broker artifacts
Message flows to facilitate runtime message processing are provided for deployment in IBM WebSphere Message Broker.
- Console
An operations and administration user interface is provided for deployment in IBM WebSphere Application Server.
- IBM Rational Software Architect plug-ins
A set of model state machines and support for creating custom state machines are deployed in Rational Software Architect.
- Sample dashboard and application
A sample application is provided for deployment in Rational Software Architect and WebSphere Message Broker. Also a sample dashboard definition is provided for deployment in WebSphere Business Monitor.
Figure 4 illustrates the typical interaction between the components of a Financial Transaction Manager solution.
Figure 4. Financial Transaction Manager component interactions
WebSphere Message Broker Toolkit and Rational Software Architect are used to define and implement the desired transaction flows. These flows are deployed to the Financial Transaction Manager transaction engine in WebSphere Message Broker and to the data model in DB2. The operations and administration user interface dynamically adapts to these flows and provides user interaction for configuration and visibility to transactions for monitoring and management.
Usage scenarios
Multiple solutions have been implemented and running in production status for some time or have been implemented as part of proof-of-concept interventions as indicated by the following examples.
Enterprise platform
A European banking customer wanted to be able to receive different types of payment orders from their enterprise customers, through different available channels. By implementing an enterprise platform, this bank used Financial Transaction Manager to handle the payment file and order acceptance processing. The solution included the following features:
- File reception and registration in the Financial Transaction Manager database (audit trailing)
- Validation that customers are authorized to use the service and the conditions that govern the service
- Detection of the file format (SEPA or domestic), corresponding debulking of the file into remittances and orders, and their registration in the audit trail
- Remittance and order validation toward customer data
- Order routing to the corresponding payment factory
- Delivery of acknowledgments to the customer (such as file reception, file acceptance or refusal, and order delivery to factory)
- Delivery of payment execution feedback, in addition to returns and refusals or statements to the customer's preferred channel
Figure 5 shows the function model of an enterprise platform.
Figure 5. Enterprise platform
Compensation hubs
Banks all over the world have implemented compensation hubs based on Financial Transaction Manager. These platforms receive orders for payment that a bank places into an account. The bank must send these payment orders for processing to the bank of the receiver of the payment. The routing of the orders to the partner bank follows routing rules that are specific for each bank. Through their payments processes, these banks receive the payment orders from the back-office systems or payment factories of the bank. They do a format validation and transformation of these orders. They also record the orders in the audit trail database. At the maturity date, the payments orders are extracted from the database and routed to the best fitting execution partner. The partner is determined through an order routing mechanism, based on reachability, efficiency, cost and other criteria. Before transmitting the orders to the corresponding gateway, they are transformed to the partner's format (such as XML, ISO 20022, and flat file) and bulked according to the partner's requirements.
Often the compensation hub requests a delivery acknowledgment from the gateway. The acknowledgement is then recorded in the audit trail and states that the payment order has reached the counter party bank or partner. This platform also receives payments messages. The messages are recorded. If required, the messages are mapped to a former outgoing payment message to which they respond and are then handled through customized processes.
Figure 6 shows the function model of a compensation hub.
Figure 6. Conceptual compensation hub that can be built by using Financial Transaction Manager as the hub
Funds routing platform
A funds routing platform is another type of platform that is based on Financial Transaction Manager. This platform receives nonpayments-based financial messages from different actors and delivers these messages to the correct destination for execution or custody.
This platform as the following layers:
- The Access layer includes the interfaces the different users and channels will use to access the platform.
- The Protocols and Gateways layer takes care of message reception and delivery.
- The Function layer provides the required business services.
- The Application layer delivers the customizable bases of these services.
- The Data layer includes the Financial Transaction Manager delivered data and the funds hub.
- The Infrastructure layer can be implemented for high availability or as a virtualized cluster.
Figure 7 illustrates the layers of this platform.
Figure 7. Funds routing platform
In considering the adoption of new applications, you must consider several important facts, such as the ease that the application integration allows for a gradual renovation of your business functions environment with your previous investments. You must ensure that it provides full integration with existing and core banking applications (such as antimoney laundering, risk, fraud, and accounting) and most enterprise resource planning (ERP) systems, just as Financial Transaction Manager does.
Financial Transaction Manager is a software package used for the implementation of an integration layer to manage, orchestrate, and monitor financial transactions. It provides integration through a common data and message model, based on an industry standard (ISO 20022). Financial Transaction Manager has a strong alignment with major industry standards (such as SWIFT (MT, MX), ISO 20022, and EDI) and uses these standards to facilitate integration with new and existing systems. It is an integration platform that uses de facto leading IBM middleware components. Adoption of Financial Transaction Manager integrates to, and shields internal applications from, external standards changes. It provides the common integration capabilities that are needed for managing financial transactions. Customers can use Financial Transaction Manager to facilitate back-office integration and track transaction status.
Financial Transaction Manager uses a unified development methodology and environment for middleware integration. Repeatable patterns or models (proven, reusable assets) are integrated in Financial Transaction Manager. For example, the Router and Message Correlator patterns are inherited from the core component WebSphere Message Broker and are widely used.
Financial Transaction Manager has built-in integration with the market leading business rules management system IBM Operational Decision Manager. Therefore, the complex rules that relate to the enterprise can be externalized yet used by the transaction flow to build dynamic internal decision points.
Supported platforms
For information, see "Detailed hardware and software requirements for IBM Financial Transaction Manager offerings" at:
Ordering information
Table 1 shows the ordering information for IBM Financial Transaction Manager.
Table 1. Ordering information
|Program number
|Program name
|IBM Financial Transaction Manager for Multiplatforms V2.0
|IBM Financial Transaction Manager for z/OS® V2.0
Related information
For more information, see the following documents:
- IBM Financial Transaction Manager product page
- IBM Offering Information page (announcement letters and sales manuals)
On this page, enter Financial Transaction Manager, and click Search. On the next page, narrow your search results by information type, geography, language, or all three options.
Others who read this publication also read
- TCP/IP Tutorial and Technical Overview, GG24-3376-07
- Enterprise Single Sign-On Design Guide Using IBM Security Access Manager for Enterprise Single Sign-On 8.2, SG24-7350-02
Special Notices
This material has not been submitted to any formal IBM test and is published AS IS. It has not been the subject of rigorous review. IBM assumes no responsibility for its accuracy or completeness. The use of this information or the implementation of any of these techniques is a client responsibility and depends upon the client's ability to evaluate and integrate them into the client's operational environment.
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"Straight Talk for Taxpayers in the Real World"
Tax Advice For Families and Small Businesses in the Union County Area Looking for Someone to Trust
Dear Friend,
I hope you'll forgive me for being blunt.
My name is Fred Greene, I'm an EA and I realize that you may not be used to seeing a tax professional talk like this. It's not my intention to offend (I'm actually being very careful with my words–I'm a tax professional, after all).
But I think you'll agree that the times we're currently facing require a little straight talk.
Here's a certain truth: the State and Federal Government would love to have more of your hard-earned money in their accounts. Sure, even though it's painful, none of us begrudge paying our legal and fair share of taxes. But the problem is that regular taxpayers, like you, are missing out on legal and safe deductions, to the tune of hundreds of millions of dollars in unclaimed refunds every year!
As a tax professional, it truly breaks my heart, knowing that just a few thousand, or even a few hundred bucks for us "regular guys" out of that vast pool of overcharging could make a world of difference–and they are just sitting there, unclaimed! And with the economy we're facing now…it's essential that the "right" professional handles your taxes, books, or other financial matters.
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I've put more of my thoughts on these matters in a Free Report for Individuals: "The Top Five Money-Saving IRS 'Secrets' for Tough Economic Times" and special White Paper for Business Owners: "Seven Strategies for Increased Profits During a Recession." In the box to the right, enter your information and we'll immediately rush you one of these reports.
Feel free to poke around our site and discover why we've been called "The Most Trusted Tax and Accounting Professionals in the Union County Area."
Talk again soon,
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PS–When you grab one of those reports, we'll also add you to our weekly email series on "Real World" Strategy (for businesses or individuals). These get forwarded to friends all the time, and they're not your standard "tax tips."
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You can also log in to Macquarie Investment Management financial advisors website using your LinkedIn account.
When logging in with LinkedIn, you will briefly leave the Macquarie Investment Management website. Macquarie Investment Management is not responsible for the login page you are about to visit. Your browser will automatically return you to our site.
Christopher S. Beck, Paul A. Matlack, Ty Nutt , Bob Zenouzi
November 2, 2012
Hurricane Sandy brought an enormous amount of devastation to the U.S. Eastern seaboard, and the region now faces a difficult recovery. Millions of people are affected, and our thoughts are with them.
Ultimately, the storm resulted in untold levels of property damage, loss of transportation services, and two days of frozen securities markets. Markets have not been impeded to this degree by weather since the 1880s, and investors can't be faulted for questioning the broader ramifications of these circumstances. Will they complicate the investment landscape in a lasting way? In the notes that follow, portfolio managers from four investment teams weigh in.
By Christopher S. Beck
The developments cited below are based on data published by sources that include Dow Jones, Reuters, Bloomberg, and Insurance Journal.
As is often the case following a natural disaster, investors are trying to sort out companies that they believe will benefit from a significant reconstruction effort as well as those that will potentially face negative pressures. Aside from company-level concerns, however, one important dimension to this scenario involves the two-day shutdown of stock markets; markets were closed on October 29 and October 30, something that is exceedingly rare. This will very likely lead to discussions on how to prevent markets from going off line during future disasters (while taking into account how relatively rare they are). These discussions will likely focus on the fact that Hurricane Sandy came dangerously close to causing serious harm to the "physical plants" that make up the exchanges — as well as threatening the safety and mobility of many employees who work at the exchanges.
Keeping the above in mind, it's worth remembering that stock transactions today are processed largely electronically. This does not diminish the role the personnel play; but barring a change in location of the exchanges (which is extremely unlikely), we do not anticipate that the wake of Hurricane Sandy will lead to serious changes in day-to-day market operations.
By Paul A. Matlack
While it's too soon to accurately assess the full consequences of Hurricane Sandy, the following details are known:
*One basis point equals 1/100 of a percentage point.
By D. Tysen Nutt Jr.
It's been a difficult few days for many residents in our region. Hurricane Sandy has caused considerable disruption and destruction of property. Our thoughts and prayers are with those who are suffering in the storm's aftermath.
As long-term investors with a three- to five-year horizon, we have not made any changes to positioning within the portfolios we manage. Our portfolios continue to emphasize stocks issued by higher-quality companies that have what we believe to be attractive valuations. In the near term, we think the storm may have a measurable effect on several industries where the portfolio has exposure, including the following:
By Babak "Bob" Zenouzi
Clearly the devastation has caused an interruption of commerce, mostly in New York and along the eastern corridor. In terms of the real estate sectors that we cover, we believe hotels will feel the brunt of the aftermath. Already, flight cancellations have caused conferences (as well as transient business travel) to be permanently lost. One possible upside, however, is that the rebuilding efforts within New York and New Jersey will likely act as an infrastructure spending bill. Roads, bridges, dwellings, and utilities systems will need to be upgraded, which should help home builders, engineering-and- construction services providers, as well as cement companies.
We think with the U.S. Federal Reserve, already on high alert for any additional softening of the U.S. economy, will only be emboldened by this tragedy, thereby increasing liquidity and offering additional monetary measures (including outright printing of new money) if needed.
The views expressed represent the Manager's assessment of the market environment as of November 2012, and should not be considered a recommendation to buy, hold, or sell any security, and should not be relied on as research or investment advice. Views are subject to change without notice and may not reflect the Manager's views.
Carefully consider the Funds' investment objectives, risk factors, charges, and expenses before investing. This and other information can be found in the Funds' prospectuses and their summary prospectuses, which may be obtained by visiting delawarefunds.com/literature or calling 800 523-1918. Investors should read the prospectus and the summary prospectus carefully before investing.
Investing involves risk, including the possible loss of principal.
Executive Director, Chief Investment Officer — US Small-Mid Cap Value Equity
(View bio)
Executive Director, Chief Investment Officer — US Small-Mid Cap Value Equity
Christopher S. Beck leads the firm's US Small-Mid Cap Value Equity team. He is also a member of the Macquarie Investment Management (MIM) Global Management Committee. Prior to joining MIM in 1997 as a vice president and senior portfolio manager, he was vice president at Pitcairn Trust from 1995 to 1997, where he managed small-capitalization stocks and analyzed equity sectors. Before that he was chief investment officer of the University of Delaware from 1992 to 1995 and held management positions during his seven years at Cypress Capital Management and four years at Wilmington Trust. Beck earned a bachelor's degree at the University of Delaware and an MBA from Lehigh University, and he is a member of the CFA Society of Philadelphia and past president of the Wilmington Society of Securities Analysts.
Managing Director, Senior Client Portfolio Manager
Managing Director, Senior Client Portfolio Manager
Paul A. Matlack is a strategist and senior portfolio manager for the firm's fixed income team. Matlack rejoined the firm in May 2010. During his previous time at Macquarie Investment Management (MIM) from September 1989 to October 2000, he was senior credit analyst, senior portfolio manager, and left the firm as co-head of the high yield group. Most recently, he worked at Chartwell Investment Partners from September 2003 to April 2010 as senior portfolio manager in fixed income, where he managed core, core plus, and high yield strategies. Prior to that, Matlack held senior roles at Turner Investment Partners, PNC Bank, and Mellon Bank. He earned a bachelor's degree in international relations from the University of Pennsylvania and an MBA with a concentration in finance from George Washington University.
Senior Vice President, Senior Portfolio Manager
Senior Vice President, Senior Portfolio Manager
D. Tysen Nutt Jr. is a senior portfolio manager for the firm's Large-Cap Value team. Before joining Macquarie Investment Management (MIM) in 2004 as senior vice president and senior portfolio manager, Nutt led the US Active Large-Cap Value team within Merrill Lynch Investment Managers, where he managed mutual funds and separate accounts for institutions and private clients. Nutt earned his bachelor's degree from Dartmouth College, and he is a member of the CFA Society New York and the CFA Institute.
CIO — Real Estate Securities and Income Solutions (RESIS)
Senior Vice President, Chief Investment Officer — Real Estate Securities and Income Solutions (RESIS)
Bob Zenouzi is the lead manager for the real estate securities and income solutions (RESIS) group at Macquarie Investment Management (MIM). Zenouzi created this team, including its process and its institutional and retail products, during his prior time with the firm. He also focuses on opportunities in Japan, Singapore, and Malaysia for the firm's global real estate securities strategy. He is also a member of the firm's asset allocation committee, which is responsible for building and managing multi-asset class portfolios. He rejoined the firm in May 2006 as senior portfolio manager and head of real estate securities. In his first term with the firm, he spent seven years as an analyst and portfolio manager, leaving in 1999 to work at Chartwell Investment Partners, where from 1999 to 2006 he was a partner and senior portfolio manager on Chartwell's Small-Cap Value portfolio. He began his career with The Boston Company, where he held several positions in accounting and financial analysis. Zenouzi earned a master's degree in finance from Boston College and a bachelor's degree in finance from Babson College. He is a member of the National Association of Real Estate Investment Trusts and the Urban Land Institute.


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Hello members, I need to be a able to send output from one program to several files based on some conditions, for instance, my program create several jobs with four different attributes, one of these attribute is priority. There are four different priorities a job could have viz: 'VeryHigh', 'High', 'Medium' and 'Low'. After generating say a thousand jobs with several attributes, my program then select (sort) all the jobs with same priority and print them out in groups.
Now, I want the output sent to different files.
Say all jobs with priority 'VeryHigh' shall be sent to FileA, all jobs with priority 'High' shall be sent to FileB, all jobs with priority 'Medium' shall be sent to FileC and all jobs with priority 'Low' shall be sent to FileD.
Can anyone help on this? How do I go about this task?


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TOURISM chiefs have been flying the flag for the county at Westminster as politicians and business influencers attended a House of Commons reception on the £20m Northern Tourism Growth Fund.
The event was hosted by Visit England chairman Lady Cobham, on behalf of 38 Northern England Destinations and their business partners.
Invited guests heard from Minister for Tourism David Evennett, Paul Callaghan, chair of Newcastle Gateshead Initiative, Sir Gary Verity, CEO of Welcome to Yorkshire and Paul Bayliss, chair of the Manchester Hotels Association, about the ambitious programme of capacity building, product development and trade engagement activities funded through the NTGF.
Ruth Connor, chief executive of Marketing Lancashire said: "The focus on business activities and partnerships made possible by the Northern Tourism Growth Fund has definitely raised the visibility of Northern England as a place to visit and this will have a positive impact on job growth and tourist expenditure.
"Working to our collective strengths, we have concentrated on the international growth markets of USA, Australia/NZ, China, Germany and Holland, with the support of our Visit Lancashire partners and tourism colleagues across the county we have been able to maximise the Northern Tourism Growth fund events and showcase Lancashire to a world audience."
The Northern Tourism Growth Fund aims to deliver 3,000 more jobs and £177m incremental spend.
Blackpool North MP Paul Maynard, who was present at the event, said: "The Northern Tourism Growth Fund is a positive initiative that will enable attractions on the Fylde Coast, Lancashire and elsewhere to showcase the best of our region. We need to increase levels of tourism in the North and this fund helps to provide key expertise and training in 'selling' all that our area has to offer to visitors."


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3 die in Alton Maine home
Police say no one else sought
The bodies of a man, his wife and his friend were found in the couple's home in this rural central Maine town. Investigators were not saying what caused the deaths, but a spokesman said Tuesday it did not appear that anyone else was involved.
The dead were identified as Scott Reed, 43; his wife, 39-year-old Danielle Folsom Reed; and Daniel Young, 41, of Bradley, state Public Safety Department spokesman Steve McCausland said. Scott Reed and Young were good friends, McCausland said.
Police went to the Reeds' home Monday evening after getting a call from a woman who went there at about 7:30 p.m. and found one of the bodies.
McCausland said investigators were gathering evidence Tuesday to determine what happened. The bodies were taken to Augusta for autopsies by the state medical examiner.
"We're still trying to figure out what happened and that will be done with the results of autopsies as well as interviews we're doing with family and friends," but authorities don't think anyone else was involved, McCausland said.
The Reeds' rented, Cape Cod-style home is located in Alton, a town of about 800 people located just north of Old Town in Penobscot County.
The clerk in the only grocery store in the town said she did not know any of the three who died.
"I can't imagine that ever happening here," said Kristen Barnes, of Alton Grocery. "It's sad, very sad."