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View the latest press coverage.
Getting the most from your supplements.
Are you on the brink of a BURNOUT?
Over the centuries, red wine has evolved to become an important part of human culture, where it has been prized for its health benefits since medieval times.Read More
Inflammation is a huge topic of interest in this day and age. But what is inflammation?Read More
Ever wondered how ancient religious scholars in India could memorize lengthy sacred hymns and scriptures? The secret lies in a beautiful magical plant called Bacopa monnieri.Read More
Social media has implanted the pursuit of happiness as one's ultimate goal in life. Yet, how do one define this intangible concept? How do we accomplish happiness?Read More
The Entity™ Mobile App helps you to track your diet and blood glucose levels, while assisting you to manage your exercise routine and weight.Read More
Let's face the truth, we aren't as young as we used to be. Aging has many wonderful aspects, but the nights are no longer young for me anymore.Read More


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Wednesday, October 3, 2012
In the Bedroom
Todd Field, however, did it with ease for his debut In the Bedroom. Following a personal tragedy, Matt (Tom Wilkinson) and Ruth Fowler (Sissy Spacek) try to carry on with their lives. But as time slowly wears on, their grief shifts to anger.
Both Wilkinson and Spacek are fine actors, and In the Bedroom displays their skills. They don't overplay the grief within Matt and Ruth as any inexperienced actor might do. They instead have their characters cope with their loss with quiet composure.
In a similar vein to Who's Afraid of Virginia Woolf? thirty-five years earlier, In the Bedroom depicts domestic life on the breaking point. (There's much less alcohol, mind you.) A once-loving couple's lines of communication become frayed thanks to an incident that happened during their marriage. But at least Matt and Ruth have a better chance than George and Martha.
In the Bedroom contains some fantastic work from Wilkinson, Spacek and Marisa Tomei. The pacing can be problematic at times, but no matter. Just let Field's direction do wonders on screen. Wonder if Little Children is like this...
My Rating: ****1/2
Posted by MovieNut14 at 10:37:00 PM
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Tournament Winner
Repowered with Commercial Grade Scania Engines - Fuel Efficient with 20k average longevity of engine life
This tournament winning 45' Ocean powered with the very fuel efficient Di-9 Scania 485hp. The Scania engines are commercial grade with an average longevity of over 20k hours. The 45' Ocean Yachts is an incredible running hull cruising in the upper 20kts range with the top speeds in the 30's. Burning 1MPG at cruise has this boat burning half the fuel as boats of similar size.
In 2016 this boat was customized by Bayliss Boatworks. New Tommy Bahama Interior decor, A/c Units, Dripless Shaft Seals and Chirp Transducer to name a few.
Contact our Professional Listing Broker Scott Krawiec @ 609/970-2677 or email@example.com
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United States


text: StnCld316 40,809 Posted April 26, 2016 This Thread is for Pictures & Comments Relating to the Pictures Commenting is allowed but it is to pertain to the Topic of the Pictures that have been Posted. Any Comments that are not about the Pictures Posted must be placed in the General Chat Thread for this Apartment or an Appropriate Thread that is for the Subject at hand. Any Comments or Quotes placed that are not about the Pictures will be removed. Share this post Link to post Share on other sites


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Recently published On the board's agenda articles
Audit committee focused topics
Blockchain and financial reporting
Blockchain technology has become the latest disruptive force that financial executives need to consider. The Financial Executives Research Foundation and Deloitte explore the potential for industry disruption and realistic next steps for blockchain and financial reporting.
Audit quality
At Deloitte, we are committed to transparency and believe that our clients and the capital markets benefit from public information about the key elements that drive quality in the auditing profession. This report outlines our commitment to audit quality and our focus on the future of the profession.


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Post Page Advertisement [Top]
President Muhammadu Buhari has congratulated former Chief of Naval Staff, retired Vice Admiral Jubril Ayinla, who turns 70 on Monday.
In a statement by his Special Adviser on Media and Publicity, Mr. Femi Adesina, in Abuja on Sunday, President Buhari congratulated Jubril for his outstanding military career, with many decorations for gallantry and outstanding leadership.
The president also lauded him for his contributions to the development of Nigeria, which included serving as Minister of Commerce and Tourism, and Minister of Health.
The President joined family, friends and professional colleagues of the former Chief of Naval Staff in celebrating the many years of hard work, sacrifice, and discipline that culminated in his reaching the peak of his military career.
President Buhari believed the wealth of knowledge and experience Admiral Ayinla gathered from service had remained useful to the country.
He, therefore, urged him to continue to inspire younger officers to imbibe the enduring legacies of integrity, loyalty, and patriotism.
The President prayed that God would bless Ayinla and his family, and grant him more years of good health and wisdom to keep serving the country.
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Showing 25 Items
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So if you are looking to make some extra cash this month you could sign up and drive for Uber…or you could use your car in a different way and drive to the Rocky Mountains.
If you haven't heard of Forrest Fenn and his real life treasure hunt, get ready for an amazing journey. Fenn is 87 years old and has hidden millions of dollars deep into the Rocky Mountains. He's said before that it may take a thousand years to find the treasure.
Apparently over 350,000 people have attempted to find the treasure and some may have even died?
Fenn spoke to NPR back in 2016 and said:
"No one knows where that treasure chest is but me. If I die tomorrow, the knowledge of that location goes in the coffin with me."
The "Treasure Map" if you will was published in his memoir, "The Thrill of the Chase." He has also posted the image and coinciding poem on Instagram as well. The poem reads:
"As I have gone alone in there
And with my treasures bold,
I can keep my secret where,
And hint of riches new and old.
Begin it where warm waters halt
And take it in the canyon down,
Not far, but too far to walk.
Put in below the home of Brown.
From there it's no place for the meek,
The end is ever drawing nigh;
There'll be no paddle up your creek,
Just heavy loads and water high.
If you've been wise and found the blaze,
Look quickly down, your quest to cease,
But tarry scant with marvel gaze,
Just take the chest and go in peace.
So why is it that I must go
And leave my trove for all to seek?
The answers I already know,
I've done it tired, and now I'm weak.
So hear me all and listen good,
Your effort will be worth the cold.
If you are brave and in the wood
I give you title to the gold."
I don't know about you, but this seems like a real life Ready Player One without the technology element. Going on, he has been known to say it's located above the elevation of 5,000 feet. That still doesn't totally help because the map measures out over a thousand miles in length.
He has also said where it's not and what not to do in order to find the treasure. But what if that's just a ploy to get us not to look there?!
"The treasure chest is not under water, nor is it near the Rio Grande River. It is not necessary to move large rocks or climb up or down a steep precipice, and it is not under a man-made object. Please remember that I was about 80 when I made two trips from my vehicle to where I hid the treasure. Please be cautious and don't take risks."
How would people not take risks when there is $2 million on the line?! The treasure is also in a cliché treasure chest and has been seen in a vault in his home filled to the brim with emeralds, rubies, gold coins and diamonds.
He originally filled it when he was diagnosed with cancer back in 1998. He was going to drag it to the top of a mountain and die next to it, but he beat the cancer! Why did he begin this treasure hunt though?
He concluded that the real reason was:
"I wanted to give the kids something to do. They spend too much time in the game room or playing with their little handheld texting machines. I hope parents will take their children camping and hiking in the Rocky Mountains. I hope they will fish, look for fossils, turn rotten logs over to see what's under them, and look for my treasure."
View this post on Instagram
♦ There are nine clues in the poem. ♦ Start at beginning ♦ Q: Will the poem lead you to the treasure? "Yes if you know where to start." ♦ Clues in consecutive order ♦ Don't mess with my poem ♦ "Some folks correctly mentioned the first two clues to me in an email and then they went right past the other seven, not knowing that they had been so close". ♦ People have been within 500' of the treasure ♦ "Some of the searchers have been within 500 feet I know". ♦ "Searchers have been within 200 feet". Huffpost interview 02/04/15 – dalneitzel.com – 📷: @yellowstonenps
So if you need something to do this weekend…road trip out to the Rocky Mountains!


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John L Sullivan Chevrolet
350 Automall Drive Roseville, CA 95661
John L Sullivan Chevrolet near Roseville has the perfect vehicle for your driving needs. Whether you need a car, SUV, crossover, truck or van, we will take care of you and get you driving home in a brand new 2019 Chevrolet Equinox, or any of our numerous used and certified pre-owned cars. Our vast selection of new, used, and certified pre-owned cars will satisfy whatever type of vehicle you're interested in. Come check out the 2019 Chevrolet Equinox nearby Roseville and surrounding communities, as we have attractive offers and incentives available.
When looking for a new Chevrolet, look no further than John L Sullivan Chevrolet located near Roseville. We offer a huge selection of Chevrolet cars and trucks, as well as a variety of quality used vehicles. Our courteous and dependable sales staff will provide you with the utmost quality care, and our main goal is to exceed customer expectations. Visit us anytime when you are near Roseville and test drive one of our many available vehicles.
Available on LS, LT and Premier models, this system enhances traction and control on slippery or snow-covered roads. With switchable AWD, you can travel in the more fuel-efficient FWD mode and a prompt will appear on the Driver Information Center if the system determines you should switch into AWD.
When Equinox is traveling at low speeds and the system senses that a front-end collision with a detected vehicle is imminent, this available feature automatically applies the brakes, if you have not already done so, to potentially help reduce the severity of impact. It may even help avoid the collision altogether at very low speeds.
Got a long commute? Live for those weekend getaways? Need the power to tow? You're in luck. Equinox offers a trio of powerful engines to choose from so you can find one that's right for you. And not only that, fuel-saving stop/start technology comes standard on all three.
This available technology automatically turns on the high beam headlamps when needed in certain conditions and reverts back to low-beams when it detects another vehicle in front of you.
If you've got your hands full, the available hands-free gesture liftgate opens with just the gentle kicking motion of your foot. What's more, a programmable memory height can be set for easy reach or to accommodate areas with low ceilings.
We get it. Some days, traveling light just isn't an option. Not to worry, Equinox has you covered. The 60/40 split-folding rear seats fold flat to create a generous 63.5 cu. ft. of cargo room, so there's no shortage of space.
This small SUV offers purposeful, intuitive technology that keeps you connected and in touch with the things that matter most to you.
Have a teen or any new drivers in your family? This innovative feature can help them when they're learning to master the road. From muting the audio until those in the front seat are buckled, to automatically turning on certain available advanced safety technologies, Teen Driver technology helps out in more ways than one. Plus, an in-vehicle report card shows how your new driver performed so you can identify problem areas and coach your trainee on improvements.
When opportunity calls, the 2019 Chevy Equinox is not just ready. It's capable. Four model trims offering various configurations plus a trio of turbo engine selections to include diesel tailor to your preferred experience and priority pleasures. With a focus on comfort and a family-friendly purpose, the new 2019 Equinox moves forward with confidence. Driver-Selectable All-Wheel Drive adds enhanced traction in seasonal climates. The raised ride height offers a more commanding view of the road. Since the compact Suv segment presently dominates the market, the Chevy Equinox presents stand-out features hard to find in many of its rivals. Rear passengers enjoy generous head and legroom and comfortable, supportive seats. Luxury-level features like the outstanding surround-view camera system, the Teen Driver Monitoring System, Panoramic Sunroof, a Hands-Free Liftgate with programmable memory height, a Safety Alert Seat, and Adaptive Cruise Control add peace-of-mind with convenience into your active lifestyle. The new Chevy Equinox corners with a solid feel, features a smooth ride, excellent handling, and returns quite agreeable fuel-efficiency. Its streamlined silhouette makes whatever statement you speak offering up to thirteen exterior paint choices. With the purpose to move and a focus to move you comfortably, the 2019 Chevy Equinox earns the Most Dependable Compact Suv Award from J.D. Powers.
Anything from the 2019 Chevrolet Equinox to the numerous used and certified pre-owned cars nearby Roseville, John L Sullivan Chevrolet has the means to get you driving back home in comfort. We guarantee you won't be disappointed even after just one visit to our friendly family here at John L Sullivan Chevrolet, assisting near Roseville and neighboring communities with first-class customer service one could want. With such desirable rewards programs, we trust we will earn your business for life. Our Owner Advantage Rewards Program offers plenty of great deals, offers, benefits, and more to show our appreciation to our faithful customers. We look forward to working together with you so you can leave our lot in the pristine 2019 Chevrolet Equinox or any used or certified pre-owned vehicle of your craving.


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Interesting? Let's have a look at the advantages trading platforms offer to traders
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Before you pick a certain trading platform, here is what you need to know:
– Make sure that your online trading broker offers a software that ensures security. It is mandatory that your trading platform be password protected
– You should have access to all markets and financial reports to stay up to date
– All good online trading brokers provide charts so that you can technically analyze the performance of your investment


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Directed by Jon Amiel. With Paul Bettany, Jennifer Connelly, Ian Kelly, Guy Henry. Torn between faith and science, and suffering hallucinations, English naturalist Charles Darwin struggles to complete 'On the Origin of Species' and maintain his relationship with his wife.
Directed by Tom McCarthy. With Mark Ruffalo, Michael Keaton, Rachel McAdams, Liev Schreiber. The true story of how the Boston Globe uncovered the massive scandal of child molestation and cover-up within the local Catholic Archdiocese, shaking the entire Catholic Church to its core.
Directed by Stanley Kramer. With Spencer Tracy, Fredric March, Gene Kelly, Dick York. Based on a real-life case in 1925, two great lawyers argue the case for and against a science teacher accused of the crime of teaching evolution.
Directed by Guy Ritchie. With Robert Downey Jr., Jude Law, Rachel McAdams, Mark Strong. Detective Sherlock Holmes and his stalwart partner Watson engage in a battle of wits and brawn with a nemesis whose plot is a threat to all of England.
Directed by Guy Ritchie. With Robert Downey Jr., Jude Law, Jared Harris, Rachel McAdams. Sherlock Holmes and his sidekick Dr. Watson join forces to outwit and bring down their fiercest adversary, Professor Moriarty.
Directed by John McTiernan. With Bruce Willis, Alan Rickman, Bonnie Bedelia, Reginald VelJohnson. John McClane, officer of the NYPD, tries to save his wife Holly Gennaro and several others that were taken hostage by German terrorist Hans Gruber during a Christmas party at the Nakatomi Plaza in Los Angeles.
Directed by John McTiernan. With Bruce Willis, Jeremy Irons, Samuel L. Jackson, Graham Greene. John McClane and a Harlem store owner are targeted by German terrorist Simon Gruber in New York City, where he plans to rob the Federal Reserve Building.
Directed by Michael Bay. With Sean Connery, Nicolas Cage, Ed Harris, John Spencer. A mild-mannered chemist and an ex-con must lead the counterstrike when a rogue group of military men, led by a renegade general, threaten a nerve gas attack from Alcatraz against San Francisco.
Directed by Jon Favreau. With Robert Downey Jr., Gwyneth Paltrow, Terrence Howard, Jeff Bridges. After being held captive in an Afghan cave, billionaire engineer Tony Stark creates a unique weaponized suit of armor to fight evil.
With Ted Danson, Mary Steenburgen, James Fox, Robert Hardy. An Englishman returns after a long time abroad and tells his strange stories about the lands he visited which are allegories about the real world.
Directed by Terry Jones. With Graham Chapman, John Cleese, Michael Palin, Terry Gilliam. Brian is born on the original Christmas, in the stable next door. He spends his life being mistaken for a messiah.
Directed by Bill Condon. With Benedict Cumberbatch, Daniel Brühl, Carice van Houten, Alicia Vikander. A dramatic thriller based on real events that reveals the quest to expose the deceptions and corruptions of power that turned an Internet upstart into the 21st century's most fiercely debated organization.
Directed by Matthew Chapman. With Charlie Hunnam, Terrence Howard, Patrick Wilson, Liv Tyler. A police officer looks to talk down a young man lured by his lover's husband to the ledge of a high rise, where he has one hour to contemplate a fateful decision.
Directed by Tom Hooper. With Colin Firth, Geoffrey Rush, Helena Bonham Carter, Derek Jacobi. The story of King George VI of the United Kingdom of Great Britain and Northern Ireland, his impromptu ascension to the throne and the speech therapist who helped the unsure monarch become worthy of it.
Directed by Frank Darabont. With Tim Robbins, Morgan Freeman, Bob Gunton, William Sadler. Two imprisoned men bond over a number of years, finding solace and eventual redemption through acts of common decency.
Directed by Terry Gilliam, Terry Jones. With Graham Chapman, John Cleese, Eric Idle, Terry Gilliam. King Arthur and his knights embark on a low-budget search for the Grail, encountering many, very silly obstacles.


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You may leave "Apostasy," Gino Dilorio's brave drama at Urban Stages, questioning some of the playwright's choices, but you'll also leave knowing you have just seen two exceptional examples of naturalistic acting by the women in the cast.
They are Susan Greenhill and Susan Louise O'Connor, playing mother and daughter and deftly embodying all the contradictory emotions that relationship should entail: love, mutual dependence, resentment. Ms. Greenhill is the mother, Sheila, who is dying of cancer. Her adult daughter, Rachel, despite some unresolved tensions from childhood, is trying to play caregiver and cheerleader. Among other things, she supplies Mom with marijuana in the hope that smoking it will make her hungry (a cause the audience will fully support; Ms. Greenhill could not be more fragile-looking).
This is a white Jewish family, but Sheila has news for her daughter: Lately she has been watching a black televangelist, Dr. Julius Strong (Harold Surratt), and is thinking of converting to Christianity and its vision of what happens after death. "I feel as though I'm at the edge of something, and I'm not at all ready to jump," she explains. "I need help."
We first meet Dr. Strong as a video projection (by William Cusick, part of a dandy set by Roman Tatarowicz), but he soon shows up at Sheila's hospice, drawn by the letters she has written him. Beware of any man of the cloth who immediately says, "Call me Julius": Sheila has financial resources, and Dr. Strong's church has debts. Where there's money, can sex be far behind?
But Mr. Dilorio's fearless play, first staged last year at the New Jersey Repertory Company in Long Branch, is more than a soap opera. He weaves in compelling exchanges on issues of faith. Julius's unorthodox explanation of how he views his job is especially delicious.
Mr. Dilorio throws some abortion politics into the mix in a way that feels gimmicky; this ultimately is a play that's not as realistic as the acting that delivers it. But that acting is something to see, particularly a devastating scene in Act 2 when Rachel walks in on her mother and the minister and finds them feasting on Chinese food. Ms. O'Connor's look as she takes in this tableau, the interloper usurping her role as nourisher, is a wonderful mix of heartbreak and fury.


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The Hamilton family has the longest continual presence of grape growing and winemaking in the country. Approaching the 180th anniversary, Hugh Hamilton is the fifth generation of the family that planted the first vineyards in South Australia in 1837.
As with all families there is a black sheep and Hugh is it. Not one to follow the flock, Hugh's wines are distinctive. With the icon 'Pure Black' Shiraz and unique blends and varieties such as 'Black Ops' Shiraz Saperavi and 'Jekyll & Hyde' Shiraz Viognier – this is no ordinary line up.
Our wines are lively in the glass and reflect the vineyard in which they are crafted from. Created to be enjoyed now and certainly very "more-ish". Mary Hamilton, Hugh's daughter and 6th generation, believes to enjoy wine is to define your mood. The range contributes to any mood, from when you want to be wrapped up in a wine that is warm & generous or perhaps when your feeling adventurous and ready to take on the world.


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Trelise Cooper BURNS OF ENDEARMENT DRESS
This unforgettable fabric combines red and pink that flow together in an acid effect. The unexpected colour combination is enhanced by the sculptural silhouette that is cinched at the waist and flares dramatically.
Winter 2016
Size & Fit:
Model is 177cm tall
Model wears a NZ 8/ NZ S/ EU 36/ US 4
Wash Guide:
Cool hand wash or gentle machine wash. Wash inside out. Do not bleach. Wring. Rub. Soak or tumble dry. Light spin. Line dry immediately in shade. Cool iron on reverse. Drycleanable.
Fabric Composition:
Main: 54% Polyester. 30% Rayon. 16% Nylon
Lining: 100% Acetate
Original RRP $747
Size 12


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BSIP/UIG via Getty Images
Vaccines tailored to match a person's particular constellation of cancer mutations seem to have fended off tumours in a handful of patients, two small clinical trials show.
The vaccines are described in papers published in Nature on 5 July1, 2. The studies are the first to report that the approach — which is gaining support in academia and industry — could combat cancer in humans. They also provide hints about ways to boost the vaccines' power by combining them with treatments that target the immune system, called immunotherapies.
"It's potentially a game changer," says Cornelis Melief, a cancer immunologist at Leiden University Medical Centre in the Netherlands, and author of a commentary accompanying the papers. "The two papers really strongly indicate that the patients experienced clinical benefit."
In principle, the vaccines are similar to those used against infectious diseases: unique components of a foreign invader — cancer cells, in this case — are mixed with agents that stimulate an immune response. The mixture is injected into the patient, in the hope of triggering an immune attack strong enough to vanquish the invader.
But for personalized cancer vaccines, the components are tailored to each patient and are administered after the cancer has already appeared — rather than aiming to prevent occurrence.
Looking for a response
In the studies, researchers began by sequencing the genes that encode proteins in each patient's tumour. They selected mutant proteins that were most likely to generate an immune response and used these as the basis for their vaccines.
One group, led by Catherine Wu at the Dana-Farber Cancer Institute in Boston, Massachusetts, treated six people with melanoma, a type of skin cancer. For each person, they formulated a vaccine that contained up to 20 protein fragments corresponding to the mutations in their tumours1. The participants, who received surgery to remove their tumours, had been deemed at high risk for cancer recurrence. But they were not due to receive further treatment unless their cancer came back. Recurrence typically occurs in about half of all such melanoma patients, says Wu.
Two years later, four of those patients had not seen their tumours return. And although tumours did grow in the remaining two participants, both experienced a complete remission when subsequently treated with a drug that rouses the immune system by blocking a protein called PD-1.
The second group, led by Ugur Sahin, a physician who studies tumour immunology and cancer genomics at the University of Mainz in Germany, treated 13 melanoma patients with vaccines that contained RNA encoding up to 10 mutated proteins in each patient2. The eight patients who had no visible tumours at the time of vaccination remained tumour-free more than a year later.
The remaining five participants' tumours had spread by the time they received the vaccine. Tumours shrank in two of them, but later resurged in one patient. A third experienced a complete remission after subsequent treatment with a PD-1 inhibitor.
Challenges ahead
Personalized cancer vaccines had already been shown to provoke immune responses in humans3. But the new trials are the first to evaluate whether these immune responses can successfully battle tumours. The numbers are small and the trials lacked a control group, but the results are encouraging, says Robert Schreiber, a cancer immunologist at Washington University in St Louis, Missouri. Larger trials in academia and industry are ongoing, he notes, and researchers are particularly interested in combining the vaccines with PD-1 inhibitors. "I'm convinced that personalized vaccines are a way to go," he says.
The field still faces challenges. It took both teams about three months to formulate and manufacture their vaccines — too long to delay treatment for many cancers. But both groups say they could accelerate the process as they scale it up. Wu estimates that she could get the lag down to six weeks.
It is also unclear how many types of cancer will respond to the approach. Cancer vaccines may work best if they target several different cancer mutations, to lessen the chance of a tumour becoming resistant to the vaccine by shedding any one particular mutation. The genomes of melanoma cells tend to carry many mutations, giving researchers a host of options when designing the vaccines. But some cancers will present fewer avenues for attack. "We have to think about how we can launch a multipronged attack," says Wu. "How many prongs do you need? We don't know."
With a wave of clinical trials in the pipeline, researchers will gradually work out which cancers are suited to the approach, and how best to combine the vaccines with other treatments, says Sahin. "We are entering the next phase of rational cancer immunotherapy," he says.
- Journal name:
- Nature
- doi:10.1038/nature.2017.22249
- Read the accompanying News & Views article: 'Precision T-cell therapy targets tumours'


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An industry underpinned by talent and ambition is an industry that is primed for growth. But for growth to be sustainable, it also has to be affordable.
The football industry is no different. It is an industry in which affordability must anchor talent and ambition.
In Scotland, we have been struggling for decades to build a truly successful and sustainable football industry that is capable of competing at a decent level in Europe.
It is a tricky balancing act between talent, ambition and affordability that we have just not been able to get to grips with. Not so much because we are never going to be able to develop the talent required, and I genuinely believe that; but because we have been conditioned to perceive 'talent' through the lens of 'unaffordability'.
An honest glance backwards will tell us that the few successes we have enjoyed in recent years, Celtic and Rangers reaching UEFA Cup Finals, for example, have been achieved only because of unique or non-repeatable circumstances.
These have included the temporary presence of one or two extraordinarily talented individuals, such as Henrik Larsson and Lubo Moravcik, the likes of whom we are unlikely to see again; or an unaffordable gathering of hard working players who displayed outstanding collective dig, the likes of which will never be allowed to happen again.
The problem is that we have allowed the link between talent, ambition and affordability to become distorted.
It has become distorted in the same way that magic mirrors distort our physical appearance.
But at the fairground, we understand the illusion.
There is absolutely no temptation to run out and buy new clothes we cannot afford to fit our distorted size. Our own clothes already fit perfectly well.
Not so in the case of football.
Our ambition fools us into believing that we need to buy expensive and unaffordable talent in order to be successful, rather than finding a way of maximising what we already have.
We wilfully stretch affordability beyond its natural breaking point.
Not only does this jeopardise the sustainability of our game, it also distorts our perception of what we need to do to become successful and it changes our definition of talent.
And that is the root of the problem.
Think how easy it is to assume that high transfer fees and salaries guarantee superior ability and success in Europe. And think how often this proves not to be the case.
We need to realign ambition with affordability.
And we need to redefine talent in terms of both.


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Welcome to The Five Weekly Roundup!
Hey! After many requests, we decided to start sharing The Five (5 of our favorite items) every morning in our Instagram stories! But, as you know, Instagram stories expire after 24 hours. In case you missed an item during the week, every Sunday we will publish a weekly roundup blog post of all of our favorite items we shared that week, starting today!
// All you have to do is click on the photo below to shop that item! //
Happy Shopping!
We'd love to know your favorite from this week- comment below and let us know! Follow us on Instagram to see our favorite items first, every day!


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MBT Tembea Chocolate Mens Shoes Details:


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Home › Sockets & Switches › Metal Plate Accessories › Raised Plate › BG Electrical › BG Electrical Nexus Switch 20A DP Neon Black Nickel
The NBN31G is a 20A double pole switch with flush neon indicator in a Black Nickel finish. Other sockets and switches are available in this finish.
This page contains information regarding our delivery information.
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Who\What introduced you to Curling?My parents introduced me to curling when I was about 8 or 9 years old. I was definitely not a fan at first but it grew on me and many years later I am still loving it.
Do you have any pre-game superstitions or rituals?-1
What is your career highlight to date?Its a toss up between being at my first Ontario Scotties Provincial Championship and participating in my first Players Championship (both in 2010). If I had to pick, probably the Players because we got to play against some of the top teams in the country. Our first game was against Cheryl Bernard and they had just won the silver medal from the Olympics.
What is your favourite sport other then curling?Softball. I played for many years at a competitive level but had to retire because of a shoulder injury.
What kind of goals have you set for yourself?I think that more than anything my goals are to be a consistent player and enjoy what I am doing. I would really like to represent my province at the Scottie's Tournament of Hearts.m
Do others in your Family curl?Yes, my father is still curling. My mother and sister used to curl and I played competitvely with my sister in Junior Women's play.
What do you enjoy most about curling?I enjoy the pressure of competition, playing teams from all over the world and meeting new people. Its also nice to have some time to myself as I am usually at home chasing after my 18mth old son.
What have you learned through curling?I have learned patience and emotional control! I wasn't always the most level headed when I was younger but the sport has taught me to keep my cool and that has definitely helped me as a skip.
Other Olympic Sport you'd like to try?Moguls! Although I am not the best skiier so I would be happy just to stay on my feet for a couple of seconds I think.
What would you like others to know about curling?-1
Most memorable curling experience?Winning a 10 day trip to Switzerland in the TCA Bonspiel when I was a junior. That was the first time I had been to Europe and it was such a great experience. Switzerland is a beautiful country - the skiing was great too!
Who are your favourite athlete/heros?Sandra Schmirler and Rafael Nadal
What sporting event would you most like to attend?Definitely the Olympics
What do you wish you were better at?Dancing. I was not blessed with the gift of rhythm.


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Ever since Instagram rolled out their algorithm based feed in March 2016, businesses have been fighting to stay as viewing priority on Instagram's feed to get the attention of their followers and remain of relevance. Gone were the days where we are able to view posts in chronological order; in its place, we are left with a "messy" feed that might have ignited the frustration in many avid Instagram users — yes, we feel you!
How the New Algorithm works
Your Instagram feed is now curated based on what Instagram thinks you are interested in. In other words, your feed is a curation based on your historical interactions with your "friends and family", a term coined by Instagram to represent all the people you have been interacting with on Instagram.
This is inclusive of the stories you have watched, the direct messages you have sent, the likes and comments you have left on their Instagram posts and stories.
Instagram takes all of these interactions as a factor to predict the quality of relationship you have with your followers. If your posts are assumed to have a high engagement rate with your followers, they will be of top priority on their feed.
In order to make your business work around this new algorithm, here's a couple of tips on how to make use of it and stand out to your followers!
Tricking The Algorithm
Tip #1: Sustaining a Brand Aesthetic
A consistent theme allows your followers to easily identify the posts published by your Instagram account.
This applies to both Instagram posts and Instagram stories — where people are highly attracted to pleasant aesthetics. Tying your Instagram account to positive imagery through consistent posts further strengthens your brand image.
This increases the likelihood of your followers remembering your Instagram account for the enjoyable sustained theme and viewing your posts, rather than clicking away.
If you are unsure about the kind of theme that your followers relate your brand to, one way to do so is to identify your top liked posts on Instagram!
Top Posts
Here, you are able to identify your top posts through Popular Chips, which acts as a mood board for you to refer as you curate your Instagram feed. Knowing your best performing posts allows you to understand the kind of brand aesthetics your followers like or that they associate your brand with, as they are posts that generated the highest engagement and growth. This could be a result of either the colours used or even the style adopted.
Tip #2: Encouraging Interaction through Instagram Stories
Another way to trick the Instagram algorithm is through maximising the use of Instagram stories. Similar to Instagram's algorithm where posts are no longer shown on one's feed based on chronological order,
Instagram Stories are prioritised, with your stories appearing frequently to followers who spend the most time viewing your content.
The more your followers interact with your Instagram stories, the higher the frequency of your Instagram stories appearing on their Instagram feed!
Not all businesses have caught up with the habit of posting Instagram stories, and it is key that one continues posting to build an engaged audience. Luckily for us, Instagram has been continuously rolling out new features every month (if not, week!), allowing us the flexibility to construct our Instagram brand identity.
Ask Me A Question
Singaporean influencer Rebecca @beccabeczten has too adopted this feature, as found in her Instagram story highlights.
This ask-and-answer feature is an awesome way to increase engagement with your followers as it prompts a response from them.
Using this feature allows your audience to better know you as an influencer or brand. In general, this keeps them invested in your stories, reducing the rate of swipes away from your stories.
Swipe-up link
Instagram account Apartment Therapy has utilised the swipe-up feature during this holiday season.
You are able to add links to your Instagram stories, driving traffic and increasing reach. The ease of availability to access information also translates to a higher number of visits.
However, the swipe-up feature is only applicable to Instagram business accounts with more than 10k followers. If you have lesser than 10k followers but would still wish to direct your followers to several links you may have, it would be good to consider platforms that offer this service such as lnk.bio. Once Instagram senses the increased interaction, the frequency of your Instagram posts and stories appearing to the follower will too increase.
Tip #3: Scheduling Your Best Time to Post
Aside from the amount of engagement one gets from their posts,
Instagram factors in the duration it takes for posts to get engagement.
Being able to generate a high number of likes and comments within a short period of time appears to Instagram that your post is of quality content. Hence, your Instagram posts will appear more frequently on your follower's feed. Therefore, understanding your best time to post is important so that you would be able to maximise your reach.
Tip #4: Ensuring a Longer Viewing Rate of Your Followers
Instagram understands that the longer the length of time your followers spend viewing your posts, the higher their interest in your content.
This will translate to Instagram prioritising your posts and stories to appear on the top of your followers feed. To ensure your followers spend a long time on your posts, posting Instagram videos is one of the methods to prolong viewing rate as videos incur a higher consumption time compared to images.
Another method you can use to lengthen viewing rate is to create Instagram carousel posts. Through this, you are able to share multiple posts and videos up to 10, in one single post. Viewers will spend a longer time swiping your posts, thereby driving up the engagement rate with your content and ultimately a higher chance of your posts prioritised on their feed.
To stay on top of the latest features and adapt to the new changes, it is important that influencers and brands apply these strategies to optimize Instagram's new algorithm. Do remember to take your time to understand this new algorithm, and work your way around it.
Once you have tried out these methods or if you have any more suggestions, do let me know how it works out for you!


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- Assemble/Welcome (5 min)
- Anti-Trust Compliance Notice (1 min)
- EUAG Member Roster (1 min)
How Achieved
Participant Preparation required
Action items out
Review status of processing "Pain Point" inputs
(20 min)
Randy/Bryan walk through current state on Wiki
Results from August 2nd Pain Points meeting
Discussion on next steps
Identify first pain point to clarify
|Review the wiki before the meeting
Add details to the pain points
Prepare for next pain points meeting
Translate pain points into specific tasks for individual projects, TSC or board
|Using OPNFV Integration to "defragment" the industry (20 min)
|Discuss what we mean by "defragmentation" and how we might achieve it at OPNFV
Review OPNFV Charter
Draft some proposed changes to OPNFV activities to support "defragmentation" .
Discussion around "fragmentation" meaning multiple open source communities/ projects.
Discussion around "interoperability" - between open source projects, VNF packages, data formats, specific/ interfaces & users to be fleshed out
Discussion around what OPNFV can do : outreach to other user apps ( e.g BBF project with redfish), more explicit endorsement/ use of relevant standards, refocussed interop testing, using OPNFV in non OPNFV setting,
discussions to be continued via pain points wiki and future calls.
Related videos:
|June Survey Followup status (5 min)
|Steven/Brandon present status on follow-up plans
- OPNFV Updates: VCO & Plugfest: Brandon (3 min)
- Update: user interface/ top down abstraction Mike Bugenhagen
- Any other Business (2 min)


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(Pocket-lint) - AT&T has made another splash in the upcoming 5G carrier wars.
While carriers are busy upgrading their existing mobile networks to the latest technology, they've also been partnering with phone manufacturers to sell phones that will work with their new 5G networks. For instance, AT&T has confirmed it plans to carry a second 5G Samsung phone in 2019.
The first Samsung 5G device is expected to arrive this spring. We've already seen its unusual notch at this year's Qualcomm Tech Summit in Hawaii. Now, AT&T is teasing yet another 5G Samsung phone. It'll also offer a third 5G device, but that's just a Netgear hotspot. Anyway, little is known about Samsung's second 5G phone. We only know it isn't expected until the second half of 2019.
The reason for these carrier-specific phones is that, since carriers are still working to build out their networks, phone manufacturers aren't rushing to make phones reliant on a technology that isn't expected to be widely available until at least 2020. EE, for instance, has said it plans to upgrade 1,500 sites to 5G in 2019, but that massive effort will only cover 15 per cent of the UK population.
To ensure there is a phone consumers can use on its new 5G network, EE has partnered with OnePlus, which plans to deliver a 5G phone in 2019. Similarly, in the US, AT&T is partnering with Samsung to deliver not one but two 5G phones. If you're in an area with one of the new 5G networks, these upcoming phones should give you access to lighting-fast internet and download speeds.
The genesis of 5G has certainly reached a watershed moment - from modems inside server racks a couple of years ago to announced 5G devices and actually demonstrable 5G devices. And with rollout in the UK and US slated for next year, it's an exciting time for the tech.


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As recently as a few hundred years ago, Western scientists considered the whole earth to be made of just four elements: Fire, Earth, Air, and Water. Even though modern science has taken a different turn, the symbolism still works. We can still turn to the four elements to make sense of the world and appreciate the different ways that people experience life.
The astrological signs belonging to each element appear in triangular groupings in the Zodiac. This is the basis of the trine aspect. Planets in the same element "speak the same language" and are able to work easily with each other.
The fire signs are Aries, Leo, Sagittarius
Fire symbolizes passion, energy, impulse, enthusiasm, inspiration, idealism, and faith. Fire signs are the leaders and the cheerleaders of the zodiac. They provide us with inspiration, motivation and creative energy.
The earth signs are Taurus, Virgo, Capricorn.
The earth element represents practicality, stability, materialism, and realism. Practical and dependable, earth signs provide the resources necessary for the functions of life. There is usually a deep affinity with nature. Earth signs are the builders of long-lasting structures.
The air signs are Gemini, Libra, Aquarius
Air symbolizes mental processes. Language, intellect, reason, human communication, and social relationships all belong to the airy realm. Air signs come up with the ideas that make things happen.
Water signs are Cancer, Scorpio, Pisces
The water element symbolizes emotion, psychism, mysticism, and intuition.
Water signs are the most sensitive of all. They are the "feelers," nurturers, caretakers.
Each sign corresponds to one element (fire, earth, air, or water) and a quality, a.k.a. mode. The 3 modes are cardinal, fixed, and mutable.
Knowing the element and mode for each sign will make it much easier for you to find aspects between the planets.


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SALT LAKE CITY -- A Utah family is calling their daughter a "miracle" baby after she survived a crash that seriously injured her mother and killed two teens.
The crash happened on February 16 when Abraham Miranda, who was carrying two passengers, crashed his Chevy Impala into Amy Wilson's Honda Pilot, KSTU reports.
Miranda's passengers, Vidal Pacheco and Dylan Hernandez, were both killed. Wilson, who was 34 weeks pregnant and suffered traumatic injuries in the crash, was forced to have an emergency C-section.
Baby Grace was born without a heartbeat and medical staff told Wilson her daughter would have brain damage.
Six months later, the family says Grace is "perfectly normal."
"They told us that potentially she could of never fed herself," said Amy's husband, Kyle Wilson. "She would have to be fed through a tube in her stomach, not be able to use her left side, not be able to speak, you know, so far, she is perfectly normal and healthy."
Now, the family is calling Grace's recovery a "miracle."
"We honestly feel like it's a miracle," Wilson told Good 4 Utah. "We know my life and her life in the fact that we've been able to recover so well, we really feel like it's a miracle."
Miranda has been charged with two counts of manslaughter and one count of reckless endangerment.
A warrant is out for Miranda's arrest. Police have not been able to locate him.


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(Photo: Silas Walker/Getty Images)
*In nearly every conversation I've had about what the move the Bengals made at quarterback after their London trip, eventually someone would ask what would happen if Ryan Finley blew us all away with great performances. Would there still be the same urgency to use next year's first round pick -possibly number one overall - to draft a quarterback?
I think we have our answer. Finley played like a rookie backup quarterback yesterday. He made some nice throws. He also telegraphed some passes, including one that ended up in Marcus Peters' hands for one of the easiest pick-sixes he'll ever have. Finley was saddled with a bad offensive line, a lack of quality receivers, and a coaching staff that seems more like innocent bystanders than anything, but if you were clinging to the idea that Ryan Finley possessed some previously unforeseen ability to establish himself as a franchise quarterback, I say you can stop clinging.
Even after one game.
*I saw enough of the way Joe Burrow played against Alabama that I'm sold. I don't want to get too hyped about the Bengals possibly taking the LSU Heisman candidate for a couple of different reasons.
A) The Bengals could still screw up having the number one pick. I doubt they will, but it's possible.
B) The draft is five months away and we will inevitably get to a point when Burrow's game will be so picked apart that some will latch onto whatever flaws in his game exist, which will be exhausting.
C) Baker Mayfield. Sam Darnold. Carson Wentz. Jared Goff. Josh Allen. Jameis Winston. Marcus Mariota. Some of these guys will end up being fine players. In fact, some of them are. Each has been the next big thing only to regress, level off, turn into a pumpkin, get hurt, etc.
There have also been Pat Mahomes, DeShaun Watson and of course, Lamar Jackson. Three quarterbacks that it feels like we can all agree on. But right when it feels like a quarterback has arrived as a franchise-savior, something not good seems to happen, proving that we are way, way too quick to hand down final evaluations of these guys.
The next quarterback of the Cincinnati Bengals will come to town burdened by enormous expectations. In fact, he may be more responsible for the Bengals getting a new stadium lease done than anyone currently working in Paul Brown Stadium. I can't wait to start talking about who the next QB is, what he'll do, and whether the Bengals can successfully build around him.
But it already feels like the hype for whomever it is - and put me in the pro-Burrow camp - is already a little too much.
*I tweeted about this sequence yesterday....
Not exactly some of Zac Taylor's best work. More evidence to suggest that he's drowning in his new job.
*AJ Green. Andy Dalton. Ryan Finley. The offensive line. All meat shields for a defense that's almost comically bad, and a front office that absolutely should not be forgiven for bringing last year's unit back. What the Ravens did yesterday was ridiculous. Triple options to a backup quarterback. Multiple throws to tight ends that badly exposed how bad the Bengals are in the middle of the field. Lamar Jackson undressing linebackers. This. Front. Office. Brought. This. Defense. Back.
*Lamar Jackson. (Sigh.) (Swoon.)
*Cats roll. Clean effort against a UConn team that might be the worst in FBS college football. Not much in the way of analysis is needed. Mike Bohn was about the game, much like I spent the night at my house the day my first wife and I decided to get a divorce. It was weird.
There's today's blog.
Radio: Tony Pike and I have the Tony and Mo Football Show today at the Sam Adams Taproom in OTR. Join us!


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Use edges and value the marginal.
We know that there are different kinds of ecosystems in the world: forests, prairies, deserts, and so on. Logically, this means that there must be places where one kind of ecosystem stops and another begins. These transition areas are sometimes gradual and sometimes abrupt. They are called ecotones, and they are often more biologically rich than the area to either side of them.
In a natural yard, edges are important in several ways. First, even in the smallest yard, there will be edges between different areas – the border between a sunny patch and a shady spot, or the place where a vegetable garden meets a planting of wildflowers. Where space permits, gradual transition zones can be established between different areas. Where this isn't possible, abrupt transitions can offer interesting opportunities.
One of the most abrupt transitions in a yard is the edge between a planting area and a paved area – a sidewalk, driveway, or patio. While these edges can be tough locations for plants, they can also be very favorable sites. The edge of pavement is typically warmer and drier than nearby areas, as well as sunnier, with less competition. Establish plants that like these conditions, and they will be very successful. Be sure to plan ahead, though, and avoid species that will lean or spread over the pavement.
Finally, suburban yards are defined by edges – that is, by the property lines. These may be areas in which to exercise restraint, in order to keep the peace with neighbors who prefer a different style of gardening. But, there is also a valuable opportunity to collaborate with neighbors in order to garden as though property lines don't exist. Typically, nothing but the adjoining property owner's agreement is needed to establish a planting that flows from one yard into the next.
When we start linking natural yards in this way, we can truly begin to restore healthy habitat in our communities.


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My uncle and I had a short discussion about the Bildungsroman the other day, a genre of novel that focuses on the moral and psychological development of its main character. It is what we might call a "coming of age story," where the protagonist matures to find his place in society. Goethe's Wilhelm Meister is the prototypical example of this genre as is its descendent Great Expectations by Charles Dickens. These stories provide useful guidelines and currents of inspiration for anyone who is desirous of coming into his own.
There are many forces at work which conspire to prevent the individual from realizing his full potential. These forces notwithstanding, there are many tendencies within the individual himself which, like weeds in a garden, lead to a tangled mess if handled improperly. Coming into one's own is not a sure bet, for potential must be consistently and repeatedly translated into action, many times against all odds.
The character qualities of self-confidence and self-reliance can go a long way to overcoming the many obstacles to a complete transition from childhood to adulthood. Each one must live his own life and coming to that realization is paramount to successfully navigating the transition. William George Jordan provided an excellent framework for the importance and cultivation of self-reliance in the individual in his book "The Majesty of Calmness":
"Self-confidence, without self-reliance, is as useless as a cooking recipe,―without food. Self-confidence sees the possibilities of the individual; self-reliance realizes them. Self-confidence sees the angel in the unhewn
block of marble; self-reliance carves it out for himself.
The man who is self-reliant says ever: 'No one can realize my possibilities for me, but me; no one can make me good or evil but myself.' He works out his own salvation,―financially, socially, mentally, physically, and morally. Life is an individual problem that man must solve for himself. Nature accepts no vicarious sacrifice, no vicarious service. Nature never recognizes a proxy vote. She has nothing to do with middle-men,―she deals only with the individual. Nature is constantly seeking to show man that he is his own best friend, or his own worst enemy. Nature gives man the option on which he will be to himself.
All the athletic exercises in the world are of no value to the individual unless he compel those bars and dumb-bells to yield to him, in strength and muscle, the power for which he, himself, pays in time and effort. He can never develop his muscles by sending his valet to a gymnasium.
The medicine-chests of the world are powerless, in all the united efforts, to help the individual until he reach out and take for himself what is needed for his individual weakness.
All the religions of the world are but speculations in morals, mere theories of salvation, until the individual realize that he must save himself by relying on the law of truth, as he sees it, and living his life in harmony with it, as fully as he can. But religion is not a Pullman car, with soft-cushioned seats, where he has but to pay for his ticket,―and someone else does all the rest. In religion, as in all other great things, he is ever thrown back on his self-reliance. He should accept all helps, but,―he must live his own life. He should not feel that he is a mere passenger; he is the engineer, and the train is his life. We must rely on ourselves, live our own lives, or we merely drift through existence,―losing all that is best, all that is greatest, all that is divine.
All that others can do for us is to give us opportunity. We must ever be prepared for the opportunity when it comes, and to go after it and find it when it does not come, or that opportunity is to us,―nothing. Life is but a succession of opportunities. They are for good or evil,―as we make them."
We certainly need one another, but the individual must come to terms with his own participation if the synergies of the whole are to be realized in full. If the number of immature, self-centered and dependent adults outweigh those who have come into their own, who have embraced a magnanimous spirit of serve and who have grown into a state of self-reliance, a society, family, company or group is no longer tenable. The quality of the parts determines the integrity of the whole and unfortunately, there are no shortcuts.


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Patrik Backman
"Dear Mr. Hewson, Thank you for submitting your tape of "U2" to RSO Records, we have listened with careful consideration, but feel it is not suitable for us at present."
A General Partner at OpenOcean, Patrik's heart lies with the "data-intensive" bit of our investment thesis. Before starting OpenOcean, Patrik co-founded MariaDB, and spent 6 years managing product and business development at MySQL AB, where he served as a Director of Software Engineering from 2003 to 2008, and managed the company's strategic technical alliance with SAP AG.
With his business hat on, Patrik was part of MySQL Management Team, and worked in management consulting at eCraft Management Solutions and A.T. Kearney.
Patrik is on the board of Nosto, Booksy, Supermetrics, Import.io, AppGyver and MindsDB, works closely with NearGroup, and has held directorships at Ironstar Helsinki, MariaDB, and SkySQL. He received a Master of Science (Engineering) degree from Helsinki University of Technology and Master of Science (Finance) from Hanken School of Economics in Helsinki.
There's nothing Patrik loves more than seeing (and helping) entrepreneurs crack tough problems with scalable solutions. Except, perhaps, (occasionally) beating Tom at ping-pong.
Connect with Patrik
SaaS, The Future Mobile Enterprise, AI and Data Analytics, Crowdsourcing, Open Source


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Ryan Cos. US Inc. has released renderings for the 17-story office tower it's planning to build next to U.S. Bank Stadium in downtown Minneapolis.
The images show how the Minneapolis-based developer's estimated $90 million project will look on the "Block One" property at 728 Fourth St. S., where Fourth Street intersects with Park Avenue.
The tower will rise just east of the 1.1 million-square-foot Wells Fargo campus Ryan built for the banking giant, a two-building complex completed this spring.
Ryan hasn't yet revealed specifics on a timeline for construction or whether it has tenants lined up for the project.
The office tower will rise in front of a parking ramp Ryan built for the Minnesota Sports Facilities Authority to serve fans during Minnesota Vikings games and other stadium events. The stadium is set to open next month.
Ryan's plans for the office tower project were first mentioned last month during a meeting of the MSFA.
The developer, which owns the air rights above the ramp, at one time considered building an apartment tower there.
Ryan Cos. US Inc. released these renderings:


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I've said it before, and I'll say it again: One of the easiest ways to secure your clients' retirement success is by addressing long-term care.
The cost of extended care continues to escalate. And it will continue to climb as Americans live longer and the demand for care increases. If you're not protecting against this risk, you're doing you and your clients a huge disservice.
Today, there are more than $471 billion of annuities on the books of insurers.1 Rarely do our clients annuitize these older annuities, and the utilization rate for income riders remains low. Both of these facts make me think that many people purchased these fixed and indexed annuities for a future need or emergency. If that is the case, why not apply the annuity for the specific purpose of covering emergencies?
Under current tax law, annuity owners are allowed a tax-free exchange between annuities under certain circumstances. The contract being exchange and purchased must have the same owner and annuitant and considered like-for-like. If the exchange meets that criteria, the embedded gains (deferred interest) may continue to be deferred in the new contract being purchased.
With the Pension Protection Act, there is a new level of tax-free status with nonqualified annuities. When the client has a qualifying long-term care event, proceeds from the annuity are received tax-free. That includes the carrier's funds as part of the long-term care insurance, the original principal (cost basis), and all the deferred gains in the contract. Older contracts like variable annuities, fixed annuities, and fixed indexed annuities qualify for this exchange treatment and potential for tax-free distributions due to long-term care.
Your clients' needs change over time. You routinely adjust their asset allocation with market conditions and changes in risk tolerance as they age. You can also change the purpose of their existing annuities to match their current purpose.
Take a look at your existing book of business. Or, ask about a prospective client's annuity holdings. It's likely to make a lot of sense to your clients to re-purpose some of their assets in order to create leverage and tax efficiency.
Winning Strategy
Turn old assets with tax-deferred gains into tax-free distributions for long-term care event. The transaction is easy to complete and benefits many who are holding older annuities for an emergency.
Across the country, advisors are telling us they'd love to find a steady stream of clients. Well, more than $3 trillion in pension assets are ready to move to either insurance carriers or employees in the next two decades. So, with the right approach, pension risk transfer can provide sustainable growth for any financial services firm.
Join us for a powerful webinar featuring Pension Risk Transfers in today's financial world.Catch the Replay!
About the Author
Mike McGlothlin is a team leader, retirement industry activist and disciple of Indiana Hoosier basketball. In addition to being EVP of retirement at Ash Brokerage, he is a sought-after writer and speaker. His web series, "Winning Strategies," provides insight and motivation for financial advisors in many forms – blogs, books, videos, podcasts and more. His latest book, "Free Throw for Financial Professionals," is available now – learn more at www.freethrowsforpros.com.
Learn More
1Insured Retirement Institute Fact Book 2018, 17th edition: https://www.myirionline.org/research/research-detail-view/iri-fact-book-2018-17th-edition-(single-license-download)
© 2018 Ash Brokerage LLC.


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Investor Account Access
Investor access to shareowner accounts, Uni-K accounts, and others.
Tuesday 22 October 2019
Global Investment Views, Fixed income, Equity
Download the Complete November Global Investment Views
Pascal Blanqué
Vincent Mortier
Bad but not so bad news left the market in a limbo: equity markets were more or less flat in the month, treasury yields remained in the 1.5 / 1.8 range and credit spreads also remained within the trading range of the last few months. However, markets oscillated between weak US and Eurozone numbers, prospects of a US-China 'mini-deal' and tariffs on Europe. Geopolitics and Trump's impeachment was in limelight as Turkey started a military offensive in Syria. China witnessed subdued data, only partially offset by policy measures.
Global growth remains decent, but weaker than expected and more vulnerable. The dovish stance of central banks and more details on 'mini-deal', may save the day for risk assets allowing them to trade in a range. While this (resilient but vulnerable growth) remains our central scenario through the year end, there are other two possibilities for next year. First, an escalation in trade war causes a full-blown contagion from manufacturing into services, thereby affecting consumption. If this happens, we would be in for a very defensive stance. Secondly, growth moderately reaccelerates driven by fiscal and monetary policy and improvement in trade situation, a trigger for some repositioning in risk assets.
However, the limbo for the markets will not last forever. In our view, four key themes will likely set the direction of opportunities and risks for investors:
In light of these themes, we outline our four convictions below:
Eric Brard
Yerlan Syzdykov
Ken Taubes
While the global economy is witnessing a slowdown, we don't expect a recession. In the US, consumption and services which are a large part of the US economy, should provide support. However, uncertainty over the ongoing trade war and manufacturing weakness lead us to expect a dovish stance from central banks. Therefore this is a time to be cautious but not too conservative. We believe investors should stay in credit to exploit carry and be selective because the appetite is high and this could lead to areas of market complacency. In this environment, should be selective, well diversified and focused on liquidity.
From a global fixed income perspective, we remain neutral on duration but with a preference for duration in the US compared to the Eurozone and Japan. We continue to favor the UK curve steepening strategy, extending the long end of the UK yield curve and we expect a flattening on the Euro curve, while in the US we continue to play curve opportunities. In Europe, a dovish ECB supports our favorable view on EUR IG credit, but we are negative on utilities and adjusted our outlook for the financial sector. We remain watchful of some idiosyncratic risks in high yield (HY). For sovereign bonds, we are constructive on peripheral European countries and slightly more positive on Italian BTPs now, given the improving political stability. From a US investor perspective, the 10y Treasuries appear expensive as investors' continued to search for safety amid uncertainty on trade front and lower ISM data. However, given the strength of the services sector, the consumer and small businesses, the Fed is likely to evaluate data before additional monetary easing. Hence, in our view the US duration exposure should be limited. On US credit, we maintain a modest risk stance and focus on sectors that offer exposure to the domestic US consumer and allow us to enhance diversification in areas with attractive relative valuations. Accordingly, we remain positive on asset-backed securities (ABS), commercial mortgage-backed securities (CMBS) and residential mortgage-backed securities (RMBS). Agency MBS securities are also attractive. We also continue to expect a steeper treasury curve and we have a slightly positive stance on Treasury Inflation-Protected Securities (TIPS) given a higher likelihood of upside inflation surprise (from wage growth and tariff related).
Although we think the asset class can be a net beneficiary of the tug of war between weaker growth and looser monetary policy, we prefer to maintain an overall cautious stance for the time being. Looking at fundamentals, Latin American countries are relatively more attractive at the moment but we are carefully looking at the commodity outlook, which could weigh on this area. We turned more constructive on Brazil (local currency and corporate), while we have reduced our positive stance on Indonesia and Russia.
Given the liquidity and attractive yield offered by the USD and the protection offered by the JPY, we are positive on both these currencies. We also prefer a relative value trade NOK vs SEK, in light of the Norges Bank's hawkish views. The rate disadvantage and the ECB easing measures are a burden on the Euro. We are neutral on the GBP. EM FX should remain weak in this environment given that they are most exposed to global growth.
Kasper Elmgreen
Yerlan Syzdykov
Ken Taubes
All in all, strong directional bets in equity markets may be too risky in the current environment (economic slowdown, uncertain global trade), however, active investors should keep an eye for opportunities presented by appealing areas of the market. Valuations of value vs growth are extremely attractive and this is leading some initial signal of a reversal in the multi-year trend of out-performance of growth vs value. We are actively watching such pockets, but we are extremely selective as we note that companies that do not meet expectations in the current uncertain environment, get overly punished by the market. Going forward, we believe investors should look more and more at the equity market with an income perspective. In a world of ultra-low/negative bond yields, the dividend from equity is extremely attractive.
In Europe, there is an all-time high dislocation between value and growth and this dislocation provides investment opportunity. Value stocks trade at an all-time low levels relative to growth, and we think the former provides an attractive hunting ground for stock picking. In particular, the areas that have relatively higher quality and are less exposed to disruption are interesting. Such opportunities exist selectively within sectors such as building materials, industrials, consumer discretionary and financials. However, we are cautious on the very high valuation of certain pockets of the growth universe. The current reporting season shows that there is little room for error when the high valuation names within growth disappoint, therefore caution is needed. At the portfolio level, we continue to seek balance. For this we prefer health care and telecoms in the more defensive compartments over consumer staples as the first two sectors offer a better margin of safety. We also look for emerging opportunities in the UK domestic sector which is trading at depressed levels.
In the US, equity valuations remain attractive relative to fixed income, but the global slowdown and government policy uncertainty suggest a more prudent approach. While earnings growth in the upcoming season is expected to be weak, a crucial indicator would be the guidance for the next quarter and 2020. We are more constructive on value over growth. Despite challenging macro data and headlines (i.e., trade, impeachment, Warren presidency), cyclicals/value are compelling on relative valuation and sentiment suggests risk is to the upside right now. Therefore, this is not a time to be overly defensive. From a bottom-up perspective, we believe high-quality cyclicals could provide opportunities in case of an upside.
In the EM space valuations are supportive and the market could benefit in case of a mini-deal on the trade front. We remain broadly positive on domestic consumption countries for the next few months (such as Brazil, Indonesia, Russia and India) and turned moderately constructive on China even though we expect some volatility in the near future.
At a sector level, we favor information technology (especially in Korea and Taiwan) and the energy sector where valuations and free cash flow yield are very attractive.
Important Information
Unless otherwise stated, all information contained in this document is from Amundi Pioneer Asset Management ("Amundi Pioneer") and is as of October 22, 2019.
The views expressed regarding market and economic trends are those of the authors and not necessarily Amundi Pioneer, and are subject to change at any time. These views should not be relied upon as investment advice, as securities recommendations, or as an indication of trading on behalf of any Amundi Pioneer product. There is no guarantee that market forecasts discussed will be realized or that these trends will continue. These views are subject to change at any time based on market and other conditions and there can be no assurances that countries, markets or sectors will perform as expected. Investments involve certain risks, including political and currency risks. Investment return and principal value may go down as well as up and could result in the loss of all capital invested.
This material does not constitute an offer to buy or a solicitation to sell any units of any investment fund or any service.
Date of First Use: October 22, 2019.
Read the latest views from Pascal Blanqué, Group Chief Investment Officer, Amundi, Vincent Mortier, Deputy Chief Investment Officer, Amundi, and others in our newest issue
Read the latest views from Pascal Blanqué, Group Chief Investment Officer, Amundi, Vincent Mortier, Deputy Chief Investment Officer, Amundi, and others in our newest issue
Read the latest views from Pascal Blanqué, Group Chief Investment Officer, Amundi, Vincent Mortier, Deputy Chief Investment Officer, Amundi, and others in our newest issue
Before investing, consider the product's investment objectives, risks, charges and expenses. Contact your financial professional or Amundi Pioneer for a prospectus or summary prospectus containing this information. Read it carefully. To obtain a free prospectus or summary prospectus and for information on any Pioneer fund, please download it from our literature section.
Securities offered through Amundi Pioneer Distributor, Inc.,
60 State Street, Boston, MA. 02109.
Underwriter of Pioneer mutual funds, Member SIPC.
Not FDIC insured | May lose value | No bank guarantee


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Chef Serafin & Staff
About Chef Serafin & Staff
Northwest Florida diners have benefited many years from Chef Serafin's talent & efforts in bringing fine cuisine & ambiance to the area. He owned Jamie's Wine Bar & Restaurant for seventeen years, serving fine-dining menus with a stellar wine list. The Pensacola, Florida restaurant was one of the first in the Florida Panhandle to receive the prestigious Wine Spectator "Award of Excellence" & one of the first to be listed "Top 100 Restaurants" by Florida Trend Magazine with recipes published in numerous journals and cookbooks.
Serafin stayed at the forefront of gourmet dining trends not only in cuisine, but with his wine list as well, creating a unique cellar. Gary's extensive wine knowledge proved to be the perfect complement to his passion for all types of food, offering paired wine dinners to his loyal clientèle. Eventually he transformed the quiet European-style atmosphere into a bistro environment offering a variety of cuisines, fusion food & unique wines.
Since 1983 the Chef has been creating delicious menus. This experience translates into the quality of food, presentation, & high level of service you will receive from Emerald Coast Catering! He has been catering since 2004. Custom menu requests are always welcome.
We are comfortable with events from 2 to 2500. Contact us to discuss your next event!
- Destination Weddings, Local Weddings, Small Weddings, Large Weddings
- Rehearsal Dinners
- Social Events & Dinner Parties
- Corporate Events & Dinner Parties
- Cocktail Parties
- Wine Pairing Dinners
Emerald Coast Catering offers:
- Custom Menus
- Luxe Parties with food, beverage services & staffing.
- Coordination of tent, lighting, décor with other vendors for Luxe parties.
- Packages which include food, beverage, furniture and linens.
- Express Menus providing food and a chef.
- Furniture rentals for DIY parties.
Above, Chef Serafin "plates up" at the Pasta Station. As you can see, there is signage for each dish served. Guests love this feature. The small house did not seem small with the utilization of the action stations. The Pasta Station was set up in the kitchen and the Grill Station was set up at the front of the house. The dance floor was at the rear of the house overlooking the Gulf of Mexico.
Our Location
Emerald Coast Catering Inc
3906 US Highway 98 West Suite 40
Santa Rosa Beach, FL 32459
Contact Us
Phone: (850) 622-6270
Email: email@example.com
Our Hours
MondayOpen 24 hours
TuesdayOpen 24 hours
WednesdayOpen 24 hours
ThursdayOpen 24 hours
FridayOpen 24 hours
SaturdayOpen 24 hours
SundayOpen 24 hours


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White Sweater Outfits Every Fashion Girl Is Wearing Right Now
From oversized silhouettes to sexy red sweater outfits, winter is definitely sweater weather season. Whether you are pairing with classic black leggings or chic ankle boots, there are so many ways to accomplish cute white sweater outfits utilizing your winter capsule wardrobe essentials.
As the polar opposite of black color, white is the perfect color to lighten your skin tone and make your skin complexion cleaner than any other color. Not only that, white color is also the official timeless color that you can wear year round to look cute and stylish for every occasion.
How to wear a white sweater?
It's so easy to dress up head-to-toe black in winter. But wearing hints of white or even all white clothes in winter looks modern and chic. Its important to keep your whites looking bright and well maintained with a few basic sweater hacks.
In order to wear a white sweater with your favorite capsule wardrobe items, pair it with a black blazer for a workwear outfit or casual jeans on a lazy day. Also, don't be afraid to add a pop color accessory such as cute lavender gloves or even a bright lipstick red beret.
White Sweater Outfits
source: @lornaluxe
There are a variety of white sweater styles from chunky to oversized and mock neck. Easily mix and match with the basic items in your capsule wardrobe.
A variety of sweater types and colors make for great basic essentials that every woman must have in her closet. White sweater outfits are a must-have statement piece that goes well with your favorite winter skinny jeans and classic pump heels.
What To Wear With A White Sweater
source: @glamometer
Are you spending endless time to find the perfect outfit for the day every morning?
If you are concerned about what to wear with a white sweater, you can easily start by grabbing boyfriend jeans and snow boots during the winter. To complete the casual sporty look, you can wear a neutral tone puffer jacket over the top to keep you warm and stylish.
Long Sweater Outfits
source: @lemondedezoja
Who doesn't love a pretty long lace dress?
It doesn't mean you can't wear your favorite spring maxi dress. Instead, wear jeans underneath and a tunic sweater over the top. Master your layering skills with a long sweater outfit this winter.
How To Wear A Pullover Sweater
source: @jolielot
Simple skinny jeans and a lazy hair day will help you look amazing when wearing a pullover sweater. Play around with different neckline pullover to create a one shoulder or slouchy sweater look for the day.
Women's Sweater Outfits
source: @chictalkch
How to wear head to toe white in winter?
The best place to start is to always wear your comfy sweater. Pair with winter skinny jeans that go well with every outfit in your capsule wardrobe and you are all ready. Add a cute leopard print cross body bag or ankle boots to give extra chicness to your outfit.


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Connecticut state police are investigating a seventh-grader at Griswold Middle School in Jewett City after school administrators learned that the student created a "death note" booklet with a list of other people's names in it, according to an email school officials sent home to parents.
"The administration was made aware of the presence of a booklet based on an anime cartoon first thing Monday morning and immediately called the police and began a full scale investigation," Superintendent Paul K. Smith said. "Students were aware of the booklet, but no report was made to the principal or assistant principal until Monday."
School officials said that the student is being disciplined in accordance with school board policy and depending on the findings of the police investigation. The student will not be in school for the remainder of the year.
"The families of the few students who were on the list have been notified," Smith said. "The student is not in school for the rest of the year and though we are treating this as if it could move to the most critical of situations, there is no reason to think that we are anything but safe at this time. Police and counselors do not see this as a threat to the school or individuals."
Griswold mother Kim Gauthier said the phone call she got from her son at school Monday was scary and that it was "probably one of the worst phone calls you could get."
"He said, 'mom there's a boy with a hit list' and he was told he was on the hit list and he was truly scared," Gauthier said.
They later found out that their son's name wasn't on the list.
Tony Gauthier said they went back and forth about whether to pick their son up from school or not.
"What's being done? I made a call to the school. I wanted to be assured that he was safe at the time," Tony Gauthier said.
While the Gauthiers said they found out about the list on Monday, the district did not notify parents about it until Tuesday. But the parents said a teacher found the apparent hit list on Friday.
"It really angered me that we weren't notified and it is really hard to believe, it's very hard to believe they didn't know," Kim Gauthier said.
An email school officials sent to parents said that while Griswold Middle School officials and state police are treating the discovery of the "death note" book seriously, "it does not mean that it is unsafe for us to conduct regular school business and end-of year events at Griswold Middle School.
School officials have not released the identity of the student or said how many names were in the book.


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Kasim African Print Blazer (Yellow Red Swirls) - Clearance
Kasim African Print Blazer (Yellow Red Swirls) - Clearance
Take your formal wear to the next level in this culturally confident Kasim African Print Blazer in the yellow and red swirls print. Style the look with black dress pants or with its matching Tendai Trousers.
*Clearance items may only be returned for an exchange or store credit. A refund is not permitted.
- Fully lined
- Elbow patches
- Back vent
- 100% cotton African print fabric shell fabric
- 2 inside pockets
Standard Size and Sleeve Length
- Small - 40R | Sleeve Length 26 1/4"
- Medium - 42R | Sleeve Length 26 1/2"
- Large - 44R | Sleeve Length 26 3/4"
- XL- 46R | Sleeve Length 27"
- XXL- 48R | Sleeve Length 27 1/2"
- 3XL- 52R |Sleeve Length 27 1/2"
Care Instruction:
Dry clean only.
Model: Height: 6' | Size: Medium
We ship in 1-2 business days unless the item is on pre-order
U.S delivery takes 1-5 business days depending on shipping method selected at checkout and your location
International delivery takes 1-3 weeks depending on shipping method selected at checkout and your locationMore details...
We accept returns and exchanges within 21 days after delivery for U.S orders and 30 days after delivery for international ordersMore details...
Customer Photos
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Love the unique design


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Dubai Culture invites students to participate in winter camp
The event is taking place at Al Twar and Al Mankhool for 12 days to take advantage of school vacations
Dubai, United Arab Emirates, 19 December 2018: The department of Public Libraries at Dubai Culture & Arts Authority (Dubai Culture), the Emirate's dedicated entity for culture, arts, heritage, and literature, announced that its winter camp for this year will commence on 15 December. The camp will be take place until the 27th in Al Twar and Al Mankhool libraries from 3:30 – 7pm.
The programme targets children from the ages of 6 – 12 and will include specialised and innovative training courses that focus on technological development, the modern trends of artificial intelligence and future prospects, creativity, and innovation.
Dr Hissa bin Masood, Director of Dubai Public Library, said: "We are pleased to announce the launch of the winter camp this year in conjunction with the first semester vacation. As we strive to provide a fun and enjoyable environment for our children, these activities will help us attract and explore talented literary and artistic talents to help them continuously develop their skills by optimising their school vacation through engaging in a variety of activities in a safe and appropriate age-appropriate environment."
During the camp, supervisors will hold various technical and scientific workshops as well as reading and storytelling activities. These activities are meant to encourage children to adopt reading as a continuous habit in their daily lives, in addition to developing their scientific research, public speaking, writing and reading skills, the latter being associated with libraries to encourage the children to visit and become members to keep track of the various activities that are held throughout the year.
Dr Hissa bin Masood concluded by saying: "Dubai Public Libraries launches many programmes, most prominently the summer camp, throughout the year, seeking to uncover talented individuals. We at Dubai Culture are proud of the societal role played by our libraries that have become knowledge, education, and entertainment destinations, strengthening the relationship between the library and the student through effective and constructive communication with parents to improve the abilities of their children."
The Dubai Public Library network includes eight libraries for adults and another seven for children. Some branches feature multi-purpose halls, classrooms, and exhibition spaces, and all branches of the Dubai Public Library are connected via computer systems. This has established close links with other modern libraries, providing access to vast sources of information on a diversity of topics in both Arabic and English.
For more information on Dubai Culture, kindly visit:
Web: www.dubaiculture.gov.ae
Facebook: www.facebook.com/DubaiCultureArtsAuthority
Twitter: @DubaiCulture
YouTube: www.youtube.com/user/DubaiCulture
Instagram: @dubaiculture
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Follow us on our Social Media
Dubai Library APP
Click to view
Dubai Culture APP


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Dear Customers. We have recieved such amazing worldwide response and are currently catching up on processing orders. Please also note current orders will be emailed with tracking asap and we are training new staff to better serve you!
Brand Name: DIWEINIPuzzle Style: CommonStyle: Geometric ShapeAge Range: > 8 years oldGender: UnisexMaterial: Titanium alloy


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This Chicken Spaghetti with Zucchini is incredibly flavorful. I use Paul Prudhomme's Pizza Pasta Magic to kick the flavor up. To hide some vegetables in it, I shredded some zucchini.
It is so important to eat more vegetables, especially green vegetables. I love grating zucchini using my cheese grater and adding it to this Chicken Spaghetti. Zucchini has little flavor, so does not change the flavor of dishes. I add it to my Chicken Tortilla Soup which is Wonderful.
To add lots of flavor to my Chicken Spaghetti, I use Paul Prudhomme's Pizza & Pasta Magic. I discovered Paul Prudhomme's Pizza & Pasta Magic while living in Louisiana. I had an opportunity to meet Paul Prudhomme at a cooking demonstration. Paul Prudhomme, in my opinion, is one of the best chef's ever, and his seasonings are outstanding. The Herbal Pizza & Pasta Magic is the PERFECT seasoning for this Chicken Spaghetti with Zucchini. I also used it to season Pizzas both homemade and frozen, Calzones and many other pasta dishes. Trust me on this! Try adding some of Paul Prudhomme's Pizza Pasta seasoning to frozen pizza with some freshly grated cheese. It will make a huge difference.
Season the chicken well and bake 350 degrees for 30 minutes. Cool & Chop chicken into bite size pieces.
Chicken Spaghetti with Zucchini
- 3 to 4 boneless chicken breast baked in the oven. Season well with Paul Prudhomme's Pizza & Pasta Magic.
- 13- ounce pack spaghetti noodles - cooked according to package but add 1 Tablespoon of Paul Prudhomme's Pizza & Pasta Magic
- Drain Pasta
- One medium zucchini shredded using a cheese grater
- 2 cups of shredded cheese - Italian blend including 1 cup for the top of the spaghetti
- One can Cream of Chicken Soup
- One can Cream of Celery Soup
- 1-1/2 cups chicken broth
- Two teaspoons granulated garlic
- Two teaspoons of Paul Prudhomme's Pizza & Pasta Magic
- 1 cup Parmesan cheese for the top of the spaghetti
- Mix all the ingredients together EXCEPT for two teaspoons Paul Prudhomme's Pizza & Pasta Magic and 1 cup Parmesan cheese.
- Layer it in a 9 x 13 baking dish that has been sprayed.
- Add the Parmesan cheese and the two teaspoons Pizza Pasta Magic to the top.
- Bake for 30 to 40 minutes until bubbly.
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It's one question I keep coming back to. Should I do a degree in art?
I've said before, I stopped formal art study after my "A" levels. The experience was something of a trial. I hated spending 6-12 weeks on the same paintings. I was drawn to figures and portraits – we did none, except a few copying statues, not the same thing at all. I hated my art teacher, everything felt wrong!
Everything went wrong…
Discouraged from working as an artist, I began to wonder if I could ever be creative enough for a career or if I'd get bored. So I train and work successfully as an Occupational therapist! But that yearning to be an artist, study at art school never really went away. My problems was lack of discipline, I'd draw intermittently but was often disappointed with the results. I'd be discouraged and give up, telling myself I wasn't cut out to be an artist!
It's taken a looooonnng time to realise I needed the discipline. But much less to develop it once I admitted it to myself!
Fast forward many years and I've overcome many of my art demons, but one still lingers, should I go to art school? Why ask now, you may be wondering? Well, I've been looking at art opportunities and sooo many are for recent graduates.
In addition, there's the public perception that a degree qualifies you as artist in ways that being self taught does not. I've done further education but not a degree – although I always maintain that my course was much harder than most of the degrees my friends were doing (Ironically, it's now a degree course!) Something in me feels cheated, inferior, like there's something missing in my education. Or maybe it's something of me missing. The question is whether a degree would fill the void?
Degrees and professional qualifications are funny things. There's a public perception that if you hold the degree/diploma you are qualified. But anyone who works in any profession knows. When you get the degree/diploma you may be qualified but you're a nobody until you're experienced! Experience trumps qualified most of the time. ( I include knowledge in experience) You want a doctor to be qualified but he needs to have experience using that knowledge if it is to be of any value.
Such is the case with art.
If you've seen graduate artists… I rest my case.
The 2 need to coexist. Which brings me back to the degree again. Truth is, I don't know. I'd like to think if I do a degree my career will blossom. Do I believe that? Of course I don't, too many years of being a cynic are not going to evaporate overnight!
When I decided to make art my career I had modest ambitions. But, you know what? I've discovered that I am ambitious, I want to succeed, I want to be innovative and I don't think I'm over the hill and past doing it.
So what if it's taken me nearly 30 years to reach that conclusion? Does that make it impossible?
Some of the greatest innovations in art have been done by mature artists, Dali, Matisse and Picasso to name but three!
Is a degree going to help that? At this stage in my career, possibly… but probably not!
What do you think?


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