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DEUTSCHE BANK NATIONAL TRUST v. BRUMBAUGH
Case Number: 109223
Decided: 01/17/2012
Cite as: 2012 OK 3, __ P.3d __
DEUTSCHE BANK NATIONAL TRUST, AS TRUSTEE FOR LONG BEACH MORTGAGE LOAN 2002-1, Plaintiff/Appellee,
DENNIS BRUMBAUGH, Defendant/Appellant.
¶0 The Plaintiff /Appellee, Deutsche Bank National Trust as Trustee for Long Beach Mortgage Loan 2002-1, filed this foreclosure action against the Defendant/Appellant, Dennis Brumbaugh. Plaintiff filed a motion for summary judgment which was granted by the trial court. Defendant contends there is not enough evidence to show Plaintiff has standing. Plaintiff asserts it is the holder of the note and has standing. We find there are material issues of fact that need to be determined and summary judgment is not appropriate.
Phillip A. Taylor, TAYLOR & ASSOCIATES, Broken Arrow, Oklahoma, for Defendant/Appellant.
Ray E. Zschiesche, PHILLIPS MURRAH P.C., Oklahoma City, Oklahoma, for Plaintiff/Appellee.
¶1 This is an appeal from a foreclosure action initiated by Appellee, Deutsche Bank National Trust As Trustee for Long Beach Mortgage Loan 2002-1 (Appellee) against Appellant Dennis Brumbaugh (Appellant) and others. Appellant and his wife, Debra Brumbaugh, (Brumbaughs) executed a note and mortgage with Long Beach Mortgage Company on February 27, 2002. On December 27, 2006, the Brumbaughs entered into a loan modification agreement with U.S. Bank, N.A., successor trustee to Wachovia Bank, N.A. (formerly known as First Union National Bank), as Trustee for Long Beach Mortgage Loan Trust 2002-1, Asset Backed Certificates, Series 2002-1 in trust for the benefit of the Certificateholders. On July 20, 2007, the Brumbaughs divorced, and in 2008, Debra Brumbaugh executed a quitclaim deed to Dennis Brumbaugh.
¶2 Appellant defaulted on the note in January 2009, and Appellee filed its petition for foreclosure on June 2, 2009. Attached to the petition was a copy of the note, mortgage, loan modification agreement, and copies of statements of judgments and liens by other entities. Appellee claims it is the present holder of the note and mortgage having received due assignment through mesne assignments of record or conveyance via mortgage servicing transfer. The Appellant answered, denying Appellee owns any interest in the note and mortgage, and the copies attached to the petition were not the same as those he signed. He claims Appellee lacked capacity to sue and the trial court lacks jurisdiction over the subject matter. He also denied being in default and asserted the Appellee/servicing agent caused the alleged default.
¶3 On April 1, 2010, Appellee filed a motion for summary judgment. Attached to the motion was an affidavit from an employee of JP Morgan Chase Bank (Chase) as the servicing agent for Appellee. The affidavit states the Appellee is the current owner and holder of the original note, mortgage, and the modification agreements. However, there is no mention of when Appellee became the holder.
¶4 Appellant asserts in his response to the motion for summary judgment that Appellee failed to prove the affiant is a competent witness and no documentation was presented that connects Appellant to Appellee. The note attached to the petition and the motion did not show it had been negotiated to any other party including Appellee. Negotiation requires transfer of possession of the instrument and its indorsement by the holder. 12A O.S. 2001, § 3-201(b). He asserts because there is no indorsement whatsoever by Long Beach Mortgage Company attached to the petition and motion for summary judgment, Appellee cannot be the holder of the note. Therefore, Appellant asserts Appellee cannot be the real party in interest. However, in Appellee's reply to Appellant's response to the motion for summary judgment and at the hearing, a copy of the note with a blank, undated indorsement signed by Long Beach Mortgage Company was attached and presented.
¶5 Appellee asserts that even if negotiation of the note was at issue, Appellee has possession of the note and that satisfies the "negotiation" requirements of 12A O.S. 2001, § 3-201. Further, the Chase affiant has personal knowledge because he reviewed and examined the account files and Chase is the servicing agent for Appellee. Appellee further asserts, it has the original note and mortgage, and is therefore, the real party in interest.
¶6 The trial court reviewed the note presented at the hearing and agreed with Appellee that Appellee was the holder of the note because it had possession of the note and it was indorsed in blank. The court granted summary judgment in favor of Appellee on January 27, 2011.
¶7 An appeal on summary judgment comes to this court as a de novo review. Carmichael v. Beller, 1996 OK 48, ¶2, 914 P.2d 1051, 1053. All inferences and conclusions are to be drawn from the underlying facts contained in the record and are to be considered in the light most favorable to the party opposing the summary judgment. Rose v. Sapulpa Rural Water Co., 1981 OK 85, 621 P.2d 752. Summary judgment is improper if, under the evidentiary materials, reasonable individuals could reach different factual conclusions. Gaines v. Comanche County Medical Hospital, 2006 OK 39, ¶4, 143 P.3d 203, 205.
¶8 The Uniform Commercial Code adopted in Oklahoma, 12A O.S. 2001, § 1-101 et seq., defines who is a "person entitled to enforce" the note (instrument).1 A "person entitled to enforce" the note requires possession of the note with a very limited exception.2 It will be either one who is a "holder" of the note or a "nonholder in possession of the note who has the rights of a holder."3
¶9 Appellee must demonstrate it is a person entitled to enforce the note. It must provide evidence it has possession of the note either by being a holder or a nonholder in possession who has the rights of a holder. Appellee attached to its Reply to Defendant's Response to Plaintiff's Motion for Summary Judgment a copy of the note with a blank indorsement from Long Beach Mortgage Company. Appellee states this allonge4 was inadvertently omitted from the copy of the note that was attached to its Motion for Summary Judgment. However, this allonge was not attached to the Petition for Foreclosure of Mortgage. Appellee is trying to establish it is a "holder" of the note. Evidence establishing when Appellee became a person entitled to enforce the note must show Appellee was a person entitled to enforce the note prior to filing its cause of action for foreclosure.
¶10 Appellant argues Appellee does not have standing to bring this foreclosure action. The issue presented to this Court is standing. This Court has previously held:
Standing, as a jurisdictional question, may be correctly raised at any level of the judicial process or by the Court on its own motion. This Court has consistently held that standing to raise issues in a proceeding must be predicated on interest that is "direct, immediate and substantial." Standing determines whether the person is the proper party to request adjudication of a certain issue and does not decide the issue itself. The key element is whether the party whose standing is challenged has sufficient interest or stake in the outcome.
Matter of the Estate of Doan, 1986 OK 15, ¶7, 727 P.2d 574, 576. In Hendrick v. Walters, 1993 OK 162, ¶ 4, 865 P.2d 1232, 1234, this Court also held:
Respondent challenges Petitioner's standing to bring the tendered issue. Standing refers to a person's legal right to seek relief in a judicial forum. It may be raised as an issue at any stage of the judicial process by any party or by the court sua sponte. (emphasis original)
Furthermore, in Fent v. Contingency Review Board, 2007 OK 27, footnote 19, 163 P.3d 512, 519, this Court stated "[s]tanding may be raised at any stage of the judicial process or by the court on its own motion." Additionally in Fent, this Court stated:
Standing refers to a person's legal right to seek relief in a judicial forum. The three threshold criteria of standing are (1) a legally protected interest which must have been injured in fact- i.e., suffered an injury which is actual, concrete and not conjectural in nature, (2) a causal nexus between the injury and the complained-of conduct, and (3) a likelihood, as opposed to mere speculation, that the injury is capable of being redressed by a favorable court decision. The doctrine of standing ensures a party has a personal stake in the outcome of a case and the parties are truly adverse.
Fent v. Contingency Review Board, 2007 OK 27, ¶7, 163 P.3d 512, 519-520. In essence, a plaintiff who has not suffered an injury attributable to the defendant lacks standing to bring a suit. And, thus, "standing [must] be determined as of the commencement of suit." Lujan v. Defenders of Wildlife, 504 U.S. 555, 570, n.5, 112 S.Ct. 2130, 2142, 119 L.Ed. 351 (1992).
¶11 To commence a foreclosure action in Oklahoma, a plaintiff must demonstrate it has a right to enforce the note and, absent a showing of ownership, the plaintiff lacks standing. Gill v. First Nat. Bank & Trust Co. of Oklahoma City, 1945 OK 181, 159 P.2d 717.5 Being a person entitled to enforce the note is an essential requirement to initiate a foreclosure lawsuit. In the present case, there is a question of fact as to when Appellee became a holder, and thus, a person entitled to enforce the note. Therefore, summary judgment is not appropriate. If Deutsche Bank became a person entitled to enforce the note as either a holder or nonholder in possession who has the rights of a holder after the foreclosure action was filed, then the case may be dismissed without prejudice and the action may be re-filed in the name of the proper party. We reverse the granting of summary judgment by the trial court and remand back for further determinations as to when Appellee acquired its interest in the note.
¶12 It is a fundamental precept of the law to expect a foreclosing party to actually be in possession of its claimed interest in the note, and have the proper supporting documentation in hand when filing suit, showing the history of the note, so the defendant is duly apprised of the rights of the plaintiff. This is accomplished by establishing that the party is a holder of the instrument or a nonholder in possession of the instrument who has the rights of a holder, or a person not in possession of the instrument who is entitled to enforce the instrument pursuant to 12A O.S. 2001, § 3-309 or 12A O.S. 2001, § 3-418. 12A O.S. 2001, § 3-301. Likewise, for the homeowners, absent adjudication on the underlying indebtedness, the dismissal cannot cancel their obligation arising from an authenticated note, or loan modification, or insulate them from foreclosure proceedings based on proven delinquency. See, U.S. Bank National Association v. Kimball 27 A.3d 1087, 75 UCC Rep.Serv.2d 100, 2011 VT 81 (VT 2011); and Indymac Bank, F.S.B. v. Yano-Horoski, 78 A.D.3d 895, 912 N.Y.S.2d 239 (2010).
¶13 CONCUR: TAYLOR (This Court's decision in no way releases or exonerates the debt owed by the defendants on this home.), C.J., KAUGER (joins Taylor, C.J.), WATT, WINCHESTER (joins Taylor, C.J.), EDMONDSON, REIF, COMBS, GURICH (joins Taylor, C.J.), JJ.
2 A person who is not reasonably able to obtain possession of the note because it was lost, destroyed, in the wrongful possession of another, or it is paid or accepted by mistake. 12A O.S. 2001, § 3-301.
3 A holder is a person in possession of the note that is payable either to bearer (blank indorsement) or to an identified person (special indorsement) that is the person in possession. 12A O.S. 2001, §§ 1-201(b)(21), 3-204 and 3-205. A "nonholder in possession who has the rights of a holder" is a person in possession of the note but the note was not indorsed by the previous holder; special indorsement or blank indorsement. No negotiation has occurred because the person now in possession did not become a holder by lack of the note being indorsed as mentioned. An example would be when a sale of notes in bulk is made by the holder to a transferee and the holder is transferring the right to enforce the notes even though there has been no negotiation. (See the REPORT OF THE PERMANENT EDITORIAL BOARD FOR THE UNIFORM COMMERCIAL CODE, APPLICATION OF THE UNIFORM COMMERCIAL CODE TO SELECTED ISSUES RELATING TO MORTGAGE NOTES (NOVEMBER 14, 2011)). Negotiation is the voluntary or involuntary transfer of an instrument by a person other than the issuer to a person who thereby becomes its holder. 12A O.S. 2001, § 3-201. Transfer occurs when the instrument is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 12A O.S. 2001, § 3-203. Delivery of the note would still have to occur even though there is no negotiation. Delivery is defined as the voluntary transfer of possession. 12A O.S. 2001, § 1-201(b)(15). The transferee would then be vested with any right of the transferor to enforce the note. 12A O.S. 2001, § 3-203(b). Some jurisdictions have held that without holder status and therefore the presumption of a right to enforce, the possessor of the note must demonstrate both the fact of the delivery and the purpose of the delivery of the note to the transferee in order to qualify as the person entitled to enforce. In re Veal, 450 B.R. 897, 912 (B.A.P. 9th Cir. 2011).
4According to Black's Law Dictionary (9th ed. 2009) an allonge is "[a] slip of paper sometimes attached to a negotiable instrument for the purpose of receiving further indorsements when the original paper is filled with indorsements." See, 12A O.S. 2001, § 3-204(a).
5 This opinion occurred prior to the enactment of the UCC and as explained in footnote 3 of this opinion, the person entitled to enforce the note in almost all situations is required to be in possession of the note and therefore if the owner of the note is not in possession of the note it is not a person entitled to enforce the note. (See the REPORT OF THE PERMANENT EDITORIAL BOARD FOR THE UNIFORM COMMERCIAL CODE, APPLICATION OF THE UNIFORM COMMERCIAL CODE TO SELECTED ISSUES RELATING TO MORTGAGE NOTES (NOVEMBER 14, 2011)).© 2010-19 FORECLOSURE FRAUD | by DinSFLA. All rights reserved.


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Alce Nero, Farmo To Create Organic Bakery Products
Published on Oct 7 2017 12:00 PM in A-Brands tagged: Organic / Italy / Bakery / Alce Nero / Farmo
Italian gluten-free producer Farmo and leading organic food manufacturer Alce Nero have formed a joint venture to produce organic bakery products.
The new partnership, Fan, will be based on 'the deep sharing of common values between the two partners', including R&D, protection of raw materials and agriculture, and commitment to organic produce, transparency, and the environment.
Company Expansion
Farmo has opened its third plant in Casorezzo, near Milan, which will also be Fan's first production facility.
Extending over an area of 5,000 square metres, the €5 million plant will produce 20 different products, with a production capacity of 600kg per hour. The expected turnover is €6 million in the first year, however, this is due to double within two years.
Initially, production will be focused on sweet bakery products, but savoury ones will be added following the installation of new production lines. The main export markets are Japan, USA and Europe.
Farmo has two other plants - one is dedicated to the production of gluten-free bakery products and the mix of special gluten-free flours, while the second specialises in gluten-free pasta production.
© 2017 European Supermarket Magazine – your source for the latest retail news. Article by Branislav Pekic. Click subscribe to sign up to ESM: The European Supermarket Magazine


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Dr Amy Daughton is Lecturer in Practical Theology in the School of
Philosophy, Theology and Religion at the University of Birmingham. She
also maintains a link with her previous institution as a Research
Associate of the Margaret Beaufort Institute of Theology, Cambridge.
She lectures in political theology, theological anthropology and ethics.
Her research and published writing focuses on questions that appear at
meeting points of theology, politics and practice, including labour,
capability and human development, and political populism. Based on
doctoral work at Trinity College Dublin, her most recent monograph is a
2016 study on Paul Ricoeur and Thomas Aquinas, titled With and For
Others which explored questions of self, other and institution, with a
view to issues of intercultural hermeneutics.


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text: Last night was a Wonderfully spectacular array of some of the finest cuisine in Seattle. So many great Restaurants were serving up the freshest fare and tastiest bites! Jillians, Schuckers, Ray's Boathouse, Pike Brewing Co., Palisade, Palamino, The Melting Pot, Urbane Restaurant and literally a plethora of others were represented. And the Auction seemed to be a Great success as well, Great items were donated to raise money for Northwest Harvest! Special thanks to the Seattle Aquarium and Sodexo for hosting the event! Event Photography Seattle by Fire Eyes Photography


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We have been delivering undergraduate degrees in partnership with UK universities for over ten years.
We're still recruiting for September! Check out our Events page for upcoming online information sessions, or contact Caley to find out more. Call 07956 056447 or email email@example.com.
What is a foundation degree?
A foundation degree is the equivalent of the first two years of an honours degree. We currently offer full-time foundation degrees relating to education, health and children's services consisting of academic study integrated with relevant work-based learning. These foundation degrees are accredited by the University of Worcester.
Our foundation degrees are classed as full-time due to their work-based nature, meaning you are entitled to apply for all of the relevant funding available from Student Finance England. However, your attendance at taught sessions is required for only one day (e.g. 1.00 p.m. – 7.30 p.m.) per week, term time only.
What could I gain?
The aim of a foundation degree is to provide students with a knowledge base that will enable them to reflect on the skills they need to be effective practitioners in an educational or health setting.
Our foundation degrees will provide students with experiences that could further their careers in services to support young people through education and mental health.
What is a Bachelor's Degree?
A bachelor's degree is a three or four year course you can take in undergraduate higher education – also known as a 'first degree' or 'undergraduate degree'. Most courses are either a Bachelor of Arts (BA) or Bachelor of Science (BSc). The Learning Institute offer top-up degrees for students who have completed a foundation degree.
What is a Masters Degree?
A masters degree is postgraduate (higher education) study for graduates who have already completed an undergraduate course.
Courses at taught masters level:
- lead to qualifications such as Master of Science, Master of Arts or Master of Letters
- are generally 12 months long in the UK and contain 180 CATS credits
- can be specialist and career-related (for example the Master of Business Studies or Masters in Business Administration)
What can I study with The Learning Institute?
We are recruiting for the following foundation degrees (for a September 2020 start):
- FdA Early Years Professional
- FdA Inclusive Education
- FdA Learning and Education
- FdSc Mental Health and Wellbeing of Children and Young People
These foundation degrees are accredited by the University of Worcester. They are built around a core of modules relevant in each degree, such as those related to academic study skills and research, along with inclusion and diversity. The relevance of these modules to all degrees allows inter-related practitioners to study together, and we intend to offer all five degrees in each of our study venues across the South-West and London.
For more information, please contact email@example.com or download our prospectus below.
We are also recruiting for our top-up honours degrees:
Please note, all courses and venues run subject to numbers.
We regularly host open days and evenings for students who are interested in studying with The Learning Institute. These are currently taking place online - please check our Events page for upcoming information sessions.


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If one were a servant of Antichrist, perhaps this would be true. For wherever one looks, whether within its borders or outside them, one finds abominations (there are still some exceptions to this among the various States, but they seem to be diminishing) - rising violence and callousness towards others, abnormal sexual practices, drug use, child killing and abuse, greed, and so on. Yet in the midst of all this, the pride of Americans in their own supposed righteousness grows ever greater.
Especially is this antichristian spirit manifested where the American Empire has launched its wars since the 'War on Terror' began in 2001. That war would be better called a War OF Terror against Christians, a point well made by Michael Snyder in this report (bolding in original):
When the
military "liberates" a nation, shouldn't it result in more liberty, freedom and peace for the people living there? Instead, we find just the opposite. In fact, in every single case since 9/11, when the U.S. military has "liberated" a nation it has resulted in the persecution of Christians in that country becoming much worse. U.S.
In areas where we spent hundreds of billions of dollars and where thousands of precious American lives were sacrificed, churches are regularly being bombed, Christians are being brutally beheaded, and laws have been passed to make it illegal for a Muslim to convert to Christianity. If we were not even able to provide the most basic of liberties and freedoms to the people living in those nations, what in the world did we actually accomplish by "liberating" them?
Just look at what has happened in
. We have been at war in Afghanistan for more than a dozen years, and yet things are so bad for Christians in that country at this point that there is not a single church left… Afghanistan
The supposedly "moderate" Karzai government installed by the U.S. upholds many of the draconian laws enforced by the Taliban—including the apostasy law, fiercely persecuting those who seek to convert to Christianity—and, in 2011, under U.S. auspices, it destroyed Afghanistan's last Christian church.
We find a similar story in
. It is estimated that before the invasion, there were up to 2 million Christians living in Iraq . Now that number is down to less than 450,000, and it is falling fast. Iraq
. . .
Read the rest here: http://www.infowars.com/why-does-christian-persecution-get-worse-in-every-country-the-u-s-liberates/, posted 19 May 2014, accessed 21 May 2014
Let there be no doubt: The secular Puritan messiah nation of America is carrying out the will not of God but of His enemy the devil in this persecution of Christ's very own holy, divine-human Body, His Church, (a re-crucifixion of Christ, as Father Andrew Phillips has put it) from Libya to Serbia to Syria to Afghanistan (and one may rightly expect similar things to begin happening in the Ukraine if someone doesn't restrain the E.U.-u.S. influence there).
If anyone in this country desires to do good, let him seek a peaceful way to weaken this power of the American federal government to harm others overseas. Has the time come for the breakup of what has become another brutal, godless (Soviet)


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The BaxMAX Support is made of high quality lightweight and breathable nylon mesh and industrial velcro. It's thin, lighweight design makes it ideal to be worn under or over clothing. The pulley cable is made of durable repelling line and pulleys made of high-density nylon.
The distributors of the BaxMAX warrant it to be free from defects for a period of 5 years from the date of purchase based on normal usage and wear and tear.
5 Sizes available:
XXLarge: 45"-50" waistline
XLarge: 40"-45" waistline
Large: 35"-40" waistline
Medium: 30"-35" waistline
Small: 25"-30" waistline


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New diagnosis of Pre-diabetes
You have recently been given a new diagnosis of Pre-diabetes based on your HBA1c blood test.
What does this mean?
Pre-diabetes is where your blood sugars are above what is considered the normal range but lower than the Diabetes range.
HBA1c is a blood test which measures the glucose (sugar) that is attached to the red blood cells. Because red blood cells survive for three months, the HBA1c gives us a good idea of what your blood sugar control has been like over a three-month period, so we cannot blame the raised blood sugars on a recent period of overeating.
- HBA1c of 42 to 47 puts you in the Pre-diabetes range.
- HBa1c of 48 and above puts you in the Diabetic range.
Being Pre-diabetic means that you are insulin resistant and are likely to progress to develop Diabetes over the following years if no significant lifestyle changes are made.
Is this bad news?
- Not at all!
- By identifying that you are at risk of Diabetes, you now have the opportunity to make lifestyle changes which can prevent you from progressing to developing Diabetes.
- Through lifestyle changes, we are observing that many patients are actually getting their blood sugar levels back into the normal range and also achieving weight loss.
What would these lifestyle changes involve?
- We generally recommend reducing or cutting out as much as possible consumption of sugar and refined processed carbohydrates (which break down to sugar in the body – foods like bread, pasta, rice, cereals etc) – this in essence is a Real Food lifestyle.
- Addressing movement, sleep and stress management are also key areas that are equally important
- Please book a double appointment with the Diabetes nurse at the practice anytime in the next six weeks who will give you information and support on making these changes.
- We also run group sessions on a Monday evening at the Aspen Centre, Horton Road to explain the science behind what is proposed and how you might approach making these changes. These sessions are titled Eat Real Food and are meant to be informal and educational.
- If this programme is not for you, there is also the National Diabetes Prevention Programme that the Diabetes Nurse can refer you to and these courses are also held locally.
- The important thing is to take action and make this an opportunity to make changes to prevent developing Diabetes.
What if I am frail and elderly?
- It usually takes several years to progress from Pre-diabetes to Diabetes.
- If you are aged 80 years and over, you probably do not need to make significant changes to your lifestyle unless you wish to.
- However, if you wish to get support in making lifestyle changes, please do book a double appointment with the Diabetes Nurse at the practice anytime in the next six weeks.
Dr Kuok, Dr Hodges and Dr Wilson


text: This is the first release of Tached Out who contain ex members of State Of Fear / Deformed Conscience / React / Behind Enemy Lines / The Total End... etc... here they do not do the crust fury they are all famous for. Here is plain hard to the bone Motor Punk Rock N Roll... Think Motorhead mixed with the Hellacopters and some AC / DC done by the oldtime punk rockers. This is a brutal debut 7" and we are proud to present it with great exclusive artwork done by Famous French Tattoo artist Laura Satana on both sides of this EP. This first pressing comes on colored orange vinyl. Definitely a winner to rock your 40 oz. to the sound of rebellion to destroy the state..


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Fisherman found dead on boat near Wrangell
A crew member on a fishing vessel west of Wrangell Island was found dead Saturday morning. Wrangell Search and Rescue responded to the scene after the Coast Guard was notified around 5:47 am Saturday.Listen nowCharles Richards (photo via Facebook)Charles Richards of Seattle was found unresponsive in his bunk by a crew member. He was 28 years old.Richards was taken to the Wrangell clinic where he was pronounced dead and was transferred to the state medical examiner's office in Anchorage for autopsy. The cause of death is not known.Owner of the Odin, Mark Severson, said his son Cameron recently took over operating the boat."I just did my stint and my son had taken over for me. And, that was their first outing without me," said Severson.Richards, who went by Rhett, went to college with Severson's son."That's how he came to get on the boat. I needed a guy, and he filled in. He was a great hard worker and a happy go-lucky kid," said Severson.The vessel was southwest of Wrangell in Anita Bay when the call came in."One of the guys came down when Cameron was starting up the machinery and said Rhett was not moving. So they started doing CPR and called the coast guard right away," said Severson.He said Wrangell search and rescue arrived about 40 minutes after the call.


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Dylan McKay and Alexander Hamilton Have Never Been Seen Together in the Same Room
I rarely use cash to pay for anything, and of the tender I carry, the $10 is the most rare. Think about it? When's the last time you held a $10 spot? So when one appeared the other day as I went to pay for my coffee (Ed's note, is it always food?), I noticed something that gave me pause.
Alexander Hamilton has kind of a hot guy thing going on, right?
But also, he looked kind of familiar. And then, I knew exactly.
The barista, and the rest of the line behind me, did not share my enthusiasm, so I bid Alex goodbye and received my hot nectar in exchange. And then I waited patiently until my theory could be confirmed.
And it was, oh it WAS.
In case you were worried that I've not been utilizing the expensive creative suite software I purchased, rest assured, Gentle Reader.


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Kuwait City, Capital Governorate, Kuwait
Job Description
Position Summary:
We are looking for Chief Information Officer/ Chief Technology Officer who could lead a team and undertake following responsibilities.
Key Responsibilities/KRAs/KPIs:
• Provide technological guidance within the organization.
• Establish and direct the strategic and tactical goals, policies, and procedures for the information technology department.
• Select and implement suitable technology to streamline all internal operations and help optimize their strategic benefits.
• Recruit IT team members.
• Direct and organize IT-related projects.
• Ensure the security of the IT assets.
• Plan the implementation of new systems and provide guidance to IT professionals and other staff within the organization.
• Oversee the technological infrastructure (networks and computer systems) in the organization to ensure optimal performance.
• Monitor changes or advancements in technology to discover ways the company can gain competitive advantage.
• Analyze the costs, value and risks of information technology to advice management and suggest action.
Industry Type : Internet / E-commerce / Dotcom
Functional Area : IT Software
Desired Candidate Profile
• Should have a degree in B.Sc/B.A in computer science, engineering or relevant field and M.Sc/M.A in computer engineering is preferred
• Proven experience as CIO or similar managerial role.
• E-commerce experience is a must.
• Excellent knowledge of IT systems and infrastructure.
• A Strong background in designing/developing IT systems and planning IT implementation.
• Solid understanding of data analysis, budgeting and business operations.
• Superior analytical and problem-solving capabilities
• A strong strategic and business mindset.
• Excellent organizational and leadership skills.
Outstanding communication and interpersonal abilities
We Are Looking For...
Simple Copy Paste ...


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San Jose, CA
Let a Talent Specialist match you with jobs at employers like
Grail Family Services
Grail Family Services (GFS) is a non-profit organization that fosters learning and the empowerment of vulnerable families with young children through programs that educate, develop leadership skills, and build a sense of community.
Since 2000, GFS has provided family support programs to more than 10,000 children and their parents. GFS focuses on adult education, family literacy, and the empowerment of community residents.
San Jose, CA


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Every nonprofit uses technology, whether or not they have a tech team or technologist on staff. When we first approached this topic we realized that questions ranged from one end of the spectrum to the other.
If I don't know what my technology needs are, how do I hire a tech savvy person to join my team? How do I create efficiencies when my primary tech goal is to know and understand my donors? What should I know about IT and security? How do I know when to build custom software? Where do I find good off the shelf tools for nonprofits? What are some of the free or reduced cost tech resources?
If you are struggling with tech or wondering how to make better tech decisions for your nonprofit, join us for this lunch and learn session. We've gathered panelists from a variety of industries to offer tips, resources and best practices. We'd also love to hear about your tips, resources and upcoming nonprofit events!
Dean Eli Mercer, Dean of Technology, Health and Business at Tarrant County College
Jeff Howard, Founder of Net Res
Cheryle Hays, Director of Outreach and Development at Rising Tide Initiative
Michael Gillihan, Founder of PurposeWP and Organizer for the Fort Worth WordPress User Group Meetup
We are grateful to NetRes for sponsoring our lunches! NetRes is a local managed IT service provider who provides technology support to many local DFW nonprofits. Learn more about them at:
http://www.networkingresults.com/ and http://www.networkingresults.com/solutions/nonprofit/
WeWork Clearfork is on the 4th floor of the Frost Bank building in Clearfork. There is a parking garage next to the building that you can use. On the 4th floor take a right into the main lobby and we'll have signage posted from there.
Image credit: Stone Soup Creative from their post about the 2015 NTEN Nonprofit Technology Conference (NTC).
Tarrant County College
Dean of Technology, Health and BusinessSee Bio
Rising Tide Initiative
Director of Outreach and DevelopmentSee Bio
CEOSee Bio
FounderSee Bio
Eli D. Mercer is honored to join the team at Tarrant County College – Northeast and serve as the new Divisional Dean of Technology, Health and Business. His academic area of specialization is Entrepreneurship and his career has been focused on launching new businesses and growing global collaborations between education, business, and government in the areas of innovation, technology commercialization, and economic development.
Eli has held leadership positions in higher education since 2005 when he brought 15 years of experience in the private sector as an entrepreneur and business owner to the role of founding General Manager of the Center for Global Entrepreneurship at Thunderbird School of Global Management. In 2008 he joined the IC2 Institute at the University of Texas in Austin where he served as Manager of Global Technology Commercialization Programs as well as McCombs School of Business as Adjunct Lecturer of Entrepreneurship and Marketing. Eli has worked with and consulted community colleges since 2009 when he joined the Austin Community College International Business Institute as an Adjunct Professor of International Business.
Mr. Mercer's doctoral research is focused on the role of the Community College in Regional Entrepreneurship, Innovation, and Economic Development. He is excited to join the Tarrant County College team and looks forward to working with faculty, staff, and partner institutions to develop outstanding teaching and learning opportunities to enrich the lives of students and meet the needs of employers.
Bio coming soon. In the meantime, here is Cheryle's Linkedin Profile: https://linkedin.com/in/cheryle-hays-099a8a9
Michael Gillihan is a highly adaptable technology executive with a proven ability to lead teams in fast-paced, mission-critical environments. An innovative and strategic partner helping mission-driven organizations adopt digital technology to enhance their operations, achieve their goals and grow their impact. Military veteran and lifelong learner eager to meet new challenges head-on.
Michael is the founder of PurposeWP, co-organizer for the Fort Worth WordPress Meetup and co-organizer of WordCamp DFW.


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Now that the Holidays are over and we are back on the road to renew and remodel. I love to start the year off with a clean fresh, scaled back a bit pallet. Everything looks so bare once all the Christmas decorations are packed away. I am not sure if my house is too small or maybe if my house was bigger I would simply pack more in. Christmas decorating for me starts out very early in the season, according to most. I of course feel like I will never get it all together in time, but that may be because I start to decorate and until just a few days before Christmas I don't stop. I just keep adding in more and more. I mean I love the holidays so much that I really just cant get enough,……………. until its all over. Once over, I think there is a switch in my brain that says, ok now this is me talking to me right hear……." get this crap packed up as quickly as possible, because I am so over it I can hardly stand it", crazy I know but I am still talking to myself and saying, "and besides"….. I tell myself,….. "Christmas is at the end of the year not the beginning. " Yup, that's me every single year. Well, please don't judge me too harshly, I can not help myself, I am all in before the holidays and all out after. I always want to start the New Year off, with a clean slate. This year was no different, every thing was down, packed neatly away, and I spent a week just basking in the cleanness of the house, the barren. In my mind however, I am already planning my next move. What can I do different, I am asking myself daily. What fresh twist can I take on what I already have, what pieces do I need to edit and or purchase to shake things up a bit. I know I am not alone out here, I am excite to set out on this year in 2016 and I cant wait to see what everyone else has in store.
Thanks for Stopping by the Blog
Tammy Damore


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These heart sprinkles are made out of polymer clay, even though look just like the confections you'd find on sweets and desserts. These embellishments are great for toppings on stamped images and/or embellishments, and in shaker cards.
Included 1 1/2+ HEAPING teaspoons
WARNING: These are NOT edible.
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Regular Price: £35.00
Special Price £27.53
Getting out and about in the countryside and by the sea is great fun, but who wants big boots slowing them down? The Keen Kids Newport H2's shows that when you're not worried about wet socks, you can go anywhere! Paddling in streams and in the sea, and still happily running over pebbles and stones. The Newport sandals also contain the Aegis Microbe Shield which controls the bacteria and fungi that cause odours, stains and product deterioration and is free of environmentally harmful substances.
- Contains the Aegis Microbe Shield which controls the bacteria and fungi that cause odours
- Washable polyester webbing upper
- Secure fit lace capture system with hook and loop adjustability over instep
- Hydrophobic mesh lining
- Non-marking rubber outsole


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For every other thing, we Indians, blame government. If there is violence, we blame goverrnment, if there is corruption, we blame government. Worst, even, if we pass through a filthy road, we blame government.
Why? Because we expect government to correct our wrongdoings. For instance, we, the people won't think twice before throwing a wrapper, garbage or any other waste on road. However, when the one-two wrapper and waste accumulates and becomes a pile of trash, we quickly blame the local civic body or sometimes even the government at the centre.
My question is how can one blame the Government for something for which we and only we are responsible?
Agreed, the government has to take corrective action for each and every wrong things which we do, like creating a pile of garbage. But, ever, wondered, what if we do not create a mess, in the first place? What if, instead of complaining later, we stop throwing unnecessary waste outside.
We Indians, can apply the Japanese model, can't we?
Now, what is Japanese Model?
Well, if you remember, during the football World Cup 2014 in Brazil, images of Japanese went viral where young Japanese were seen picking up all the trash in the stadium after the game was over. The trash included empty bottles, chips wrappers ad all sort of things which we normallly eat and drink in stadium or movie theatre. This is precisely Japanese model, where a young child from his initial days in school, is taught to be a crusader of cleanliness. Since, each and everyone is a crusader of Anti-Garbage, Japan is one of the cleanest country in the world.
Now, can you credit the Japanese Government for their accomplishment?
Well, it is the people of Japan, who actually deserves a pat on their back. Similarly, if there is filth around India, government, alone is not to be blamed. We, the people are also responsible for the same. And, if we, become responsible citizens, first, by not throwiing and creating a mess, and next by requesting/urging/educating the others, I'm sure, India will no more be a dirty India like it is infamous all over the world.
Swachh Bharat Campaign
Swachh Bharat Campaign initiated by our PM is a noble idea,however, it cannot be a successful campaign until each one of us join the campaign physically and mentally. Campaign is just a start, it can only be successful, if we make the campaign our habit. Though I'm not a cleanliness freak, I've always kept my trash, either in my school bag or in my hand bag, later. However, there are many, who are cleanliness freak inside their home, but don't think twice before throwing garbage on the road.
I raise my voice against these people – The Pseudo Cleanliness Freak, who keep their house clean but not their environment or surrounding.
I have been a silent spectator of their actions from ages but not anymore. I vow that I will continue to keep my surrounding clean, and at the same time educate others to do the same – Kyunki Bin Bole Ab Nahi Chalega as the New Strepsils Campaign says!
Yes, the Strepsils Campaign #AbMontuBolega – What's the campaign about?
Strepsils campaign #AbMontuBolega is a unique digital campaign, where individuals are asked to express and raise their voice on any and every issue of which they have been silent spectators from so long. The mascot Montu is a live example, who remains a silent spectator always, until, he raises his voice, and to his surprise, he is not bashed, but heard!
The objective of the campaign is to build awareness, and create a awareness amongst the people to raise awareness on various subjects including Enviornment, Infrastructure, Women Empowerment, Women Safety, Education, Sanitation and many more things.
Join the conversation with Montu and raise your voice!
To Know more about the Campaign:
You can visit their website http://www.abmontubolega.com/ or
Follow them on twitter – https://www.twitter.com/StrepsilsIndia @StrepsilsIndia
Or visit their Facebook Page – https://www.facebook.com/StrepsilsIndia
Image Source: Indiblogger


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Back Office: Cross-Channel Strategies to Improve Business
The driving factor behind cross-channel retailing is the customer (See Chart 1), as the top two pressures facing retailers are the need to address rapid changes in customer affinity for sales channels and the need for a faster, easier and more convenient shopping experience.
According to a recent report, "Fast-Track Cross-Channel Gains: The Final Frontier for Customer Share of Wallet in Retail," by the Aberdeen Group. As the online and mobile channels continue to gain in prominence, consumers expect to receive the same brand promise and experience across all channels, making it necessity for retailers to re-think their cross-channel strategies.
Aberdeen used these three key performance criteria to distinguish "best-in-class" companies (See Chart 2):
- Customer satisfaction rate: 99 percent


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Comedian Jerry Seinfeld was seen at the 2013 Hampton Classic Horseshow in Bridgehampton with his 12-year-old daughter Sascha. Jerry and his wife Jessica have three children together- Sascha, 12, Julian, 10, and Shepherd, 7.
Jerry Seinfeld and his daughter Sascha attend the 2013 Hampton Classic Horseshow
Posted by Alisa on Wednesday, September 4, 2013 / Comments: (0)
In People magazine: The first pictures of Alec Baldwins daughter Carmen Gabriela
On August 23rd Alec Baldwin's wife Hilaria gave birth to a baby girl named Carmen Gabriela. In a new interview with People, Alec actor shares his feelings over becoming a father all over again.
Alec shares with the magazine that Carmen has given him, "a second chance... Everybody knows I had a pretty unpleasant custody battle for Ireland. We just want things to be easy, to be nice."
Hilaria, however, who is a first time mom, declared, "I knew I was going to love her a lot, but it's incredible how deeply."
As for little Carmen's sleeping habits, Alec explains, "She sleeps like a rock all day. And at night she's like, 'Let's have a conference.'" Hilaria adds, "Now I'm getting to the point where if I don't sleep, I'm going to start walking into walls."
Alec is already a father to 17-year-old daughter Ireland with actress Kim Basinger.
Willow Smith's late shopping
12-year old daughter of Will Smith and Jada Pinkett Smith, Willow Smith, was seen browsing CVS Pharmacy with a friend in Los Angeles, CA on Wensday (September 3).
Anna Paquin and Stephen Moyer: True Love
Posted by Alisa / Labels: Anna Paquin and Stephen Moyer / Comments: (0)
True Blood stars Stephen Moyer and Anna Paquin were seen leaving London's Heathrow airport on Wensday (September 4) with their 1-year-old twins Poppy and Charlie.


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Army Medical College has announced admissions for five years MBBS and four years BDS programs. Army Medical College Admission 2019 Form Download Last Date procedure is available here online. Army Medical College or AMC was established in 1977 as Military residential Institute to providing undergraduate medical education to cadets. It ensured Students who have 70% marks in FSC pre-medical and appeared in NUMS entry test can apply for admission.. This college is also offering the chance to civilians to Join this medical college even if they don't want to Join Pakistan Army. First, it was affiliated with Quaid I Azam University and National University of Science and Technology But now it became the constituent college of NUMS Islamabad. Students can take admission in AMC by appearing in NUMS entry test, or through medical cadet course. AMC Entry Test Date 2019 available here. It also encourages foreign students to take admission on SAT basis.
Army Medical College Admission 2019 Form Last Date
Offered Courses:
The Army Medical College is offering undergraduate programs in the medical field. It is currently offering five years MBBS program and four years BDS programs to students on merit basis.
Eligibility Criteria:
- In order to take admission in MBBS or BDS programs, the candidate must have at least 70% marks in their FSC Premedical
- A and O level students can also apply for the admission if their marks are equal to or above 70% marks
- Equivalence certificate can obtaine from Inter Board Committee of Chairman Islamabad
- Students who are applying through cadet course must have 5.4 inch height (boys) and 4.8 inch (Girls)
- Weight and Visuals of the candidates must meet with the criteria
- Foreign students can also apply for admission after passing SAT test
- There will an entrance test which will arrange by the NUMS Islamabad
|Registration of Application For Admissions Opens
|Nov 2019
|Last Date To Receipt of Application For Admission
|December 2019
|Hifz e Quran Test
|December 2019
|Display of 1st Merit List
|December 2019
How to Apply for Admissions:
Candidates have two options to join Army Medical College Admission 2019. One is through Medical cadet course and second is through appearing in NUMS entry test
Medical Cadet Course:
Students who are applying through Medical cadet course must have to go through following steps.
- Preliminary Test which will include the written test, intelligence test, and personality test.
- Physical Test
- Initial Medical Test
- ISSB Interview
AMC Rawalpindi MBBS, BDS Merit List 2019
Through NUMS Test:
Civilian students who want to Join AMC can apply for NUMS Entry test. First, this test was taken by the NUST but now it is taken by the National University of Medical Sciences. After clearing this test, must apply for the AMC admission. Now attach the documents along with download application form and send it to AMC through the post. Merit lists for selected students will display on NUMS official website. So Download Army Medical College Admission 2019 Form.


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Turn Google Reviews into Social Proof
A Review Nudge integrated with Google Reviews shows your visitors recent reviews from real customers.
Because the reviews come from Google Reviews, they are always up-to-date and your customers know they can trust them.
Supported plans
Plus and higher
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- All pages
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2019-02-22T13:57:35Z (GMT) by
This dataset is an R package bundle used to create datasets used in the paper 'A comparison of antigen-specific T cell responses induced by six novel tuberculosis vaccine candidates'.It contains the Excel spreadsheets with trial-specific data used to create the above datasets and the R data frames used to generate the figures in the paper. In addition, it also contains R code used to create these data objects. See the package README and the vignette in the package entitled 'VaccCompData' for details. It is also available on Github at: MiguelRodo/VaccCompData.


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Rock climbing gives new face to adventure
By Callie Stevens, Staff Writer
Climbing on a rock face that has never been climbed before is a thrilling experience. Some of my friends and I recently found a new rock face close to school and climbed it for the first time.
Holding on with my finger tips, my arms burning tired, sweat rolling down my face, I look around for where I should go next, since there are not holds marked by previous climbers. I take a deep breath in preparing myself to stretch one hand as far as I can, while my other hand is barely holding myself to the wall. My fingers touch the hold I am aiming for, and I put a little pressure on the hold as I shift my weight from one hand to the other.
Before I can move my feet, the rock that I moved my hand to breaks off the wall and crashes to the ground. I reach for another hold, but there is no use. I fall a few feet before the rope catches me.
I take a second to catch my breath and calm my head. Then I grab back onto the wall and start to climb again.I was the second person to climb one of the routes on the rock face. The wall was dirty with moss, leaves and brush hanging on hand holds that we would have to move out of the way in order to climb.
Climbing routes for the first time is always an adventure. You have to figure out where hand and feet holds are on your own. You are like a pioneer adventuring into unknown territory. During the adventure, sometimes you stumble and fall. However, once you finish and have the pride that you were the first. It makes the struggle worth every second.
So be your own pioneer. Go find your own rock face and see what adventure it has to provide.


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Duration: 3 days
Venue: Kharkiv Oncology Center (Kharkiv, 4, Lisoparkova St.).
Audience: Practicing surgeons
Teachers: leading specialists of Kharkiv Oncology Center - Zelinsky AI, Skory D.I.
Course program:
Anatomical justification of boundaries of lymphodissection with different localization of tumors of the rim and rectum.
D2 or D3? A look at the problem of the USA, Germany, Japan.
CME / CVL - a new stage in the development of lymphodissection with CRF.
analysis of stages and critical points of performance of lymphodissection with CRF
consideration of frequent intraoperative complications
discussion of clinic cases
"Live surgery" in the operating OTSV
Development of the technique of the VLL Lymphatic Dissection.
Prepayment by cashless payment.


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Go paperless...Access your data anywhere anytime. User Friendly Interface and Highly Affordable. Framework with unlimited scalability, power and speed. A complete integrated solution for your single to multi chain healthcare unit.
Most healthcare software systems rely on outdated client server technologies accessible only from network connected desktop computers installed on premises. MocDoc fundamentally changes how you manage your Clinic / Hospitals. With MocDoc, you get a fully integrated healthcare management suite delivered on a cloud-based platform providing you a robust, secure and available solution for your needs.
By continuing to use this website, you are agreeing to our updated cookie policy. Learn more.GOT IT


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We inform you that our shops will be opened in compliance with the measures put in place by the government of each country in order to ensure your own security.
Our priority is above anything else to take part in the shared effort to protect the health of all citizens across the globe.
All our staff remain at your disposal to answer any question you may have. Our customer service is dedicated to you.
Take care of yourself and your beloved ones."
Bracelet with a motif set with diamonds (1.04 carats), in yellow gold
The Maison Boucheron reinvents the way we wear jewelry with its new Jack Collection. This golden, glamorous thread connects with a design clasp that hides a secret connection inspired by jack cables. This is the yellow-gold, diamond-set version.
Bracelet with a motif set with diamonds (1.04 carats), in yellow gold
Hide the price
90 round diamonds 1,04 ct
Yellow gold 750/1000 15,30g
Ref.: JBT00752


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Tesla Model S recalled as part of Takata airbag crackdown
Search Driven for vehicles for sale
The huge Takata airbag recall has claimed a whole host of manufacturers, including the likes of BMW, Subaru, Toyota, and more. Now, as part of the ongoing recall, electric vehicle producers Tesla have outlined their vehicles impacted by the faulty devices.
The American manufacturer's recall is relatively minor compared some of the more mainstream brands that have been sucked into the mess. A total of 1263 Teslas have been recalled, all of them being Model S variants built between 2014 and 2016.
Those wanting to check out the full VIN list can click here.
Given that Tesla only joined the New Zealand market in 2017, it's unlikely that many of the vehicles concerned reside here. That said, early run face-lift models could be included in the list, and there are a few imported pre-facelift models kicking about here that could also be effected.
Read more: The compulsory recall of Takata Alpha airbags has begun
Although there have been no reported deaths in New Zealand linked to faulty Takata airbags, 24 deaths have been reported globally.
The issue centres around airbag propellants wearing over time. If a car crashes and these components are worn, components within the airbag can become high-velocity metal shrapnel.
Those who want to check whether their car is effected can visit the Right Car website by clicking here.
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News & Events
2502 , 2011
Take a pew!
How's this for something different ?! The longest Chesterfield made to date, designed for a pub in Tasmania. Courtesy of Chesterfield House, Queensland, Australia. www.chesterfieldhouse.com.au/
2402 , 2011
JMT Leather Abroad!
One year on from the merger of our UK operation with Crest Leather, which has proved highly successful, JMT Leather is continuing to supply high-end and specialist leathers to designers, architects and project providers world-wide from our Italian finishing plant.
0211 , 2010
100 % Design, Shanghai
Another first for us — our stand at 100% Design, Shanghai 4-6 November 2010. Thank you to everyone who visited us!
0209 , 2010
The Astor Hotel, Tianjin, China
Opened in 1863 and completely restored to its original beauty in 2010, The Astor Hotel evokes a bygone era. This treasured landmark has hosted Prime Ministers and Presidents, and is centrally located in Tianjin's progressive financial district. We are proud that they've chosen to use our leathers in their refurbishment.


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We're Going to Skepticon!Posted by Ian Wold on November 1, 2015 at 4:14 PM
Hey members! We're going to be taking a trip to Skepticon 2016! We'll be leaving at different times on Friday, November 13, and returning on Sunday, November 15. Any members are welcome to join us. If you're interested in going, please email Hayley Callaway at email@example.com


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Islamabad Chamber of Commerce and Industry for focusing on Engineering Sector to drive economic growth and exports
Islamabad, August 21, 2015 (PPI-OT): Islamabad Chamber of Commerce and Industry has called upon the government to focus on the development of engineering sector as it has huge potential to put the country on fast track economic growth and improve exports. Muzzamil Hussain Sabri, President, Islamabad Chamber of Commerce and Industry said that as per latest report of Pakistan Bureau of Statistics, the growth of engineering sector has dropped more than 18 percent during the fiscal year 2014-15, which should be a cause of great concern for the policy makers.
He said many countries including China, Korea, Taiwan, Thailand, Singapore, Malaysia and many others have achieved phenomenal economic growth by focusing on engineering sector. Resultantly, this sector accounts for more than 65 percent in their total trade and around 50% in their total exports. He said globally, the engineering goods constitute more than 60% of the world trade and account for about 20 per cent of India's total exports. However, the share of engineering sector in Pakistan's exports is just around 4%, which is very negligible.
It shows that successive governments have ignored this vital sector of the economy due to which the country is still struggling for development. Citing an example, he said in 1970, South Korea's economy was $8 billion while Pakistan's economy was $10billion but in 2014 South Korea's economy has reached $1500billion while Pakistan's economy was around $300 billion. He said engineering sector was the main driver of Korea's economic growth.
Muzzamil Sabri said that Pakistan mostly depends on textiles and few other low value items for exports. However, the share of engineering goods is increasing in world exports and it is high time that government should accord top priority to developing this sector in order to get better share in the world market of more than $ 6 trillion. He said even one percent share in global engineering trade could reportedly fetch Pakistan about $ 200 billion in exports, which shows its immense potential for strengthening the economy of our country.
He said fostering the growth of engineering and IT sectors would bring plenty of benefits to the country as it would translate into better industrialization, enhance exports, substitute imports, generate massive employment opportunities for the rising youth and add significant value to our economy. Thus engineering sector has the potential to become an effective tool for achieving sustained economic growth of the country and get rid of poverty.
For more information, contact:
Khalid Chaudhry
Islamabad Chamber of Commerce and Industry (ICCI)
Chamber House, Aiwan-e-Sanat-o-Tijarat Road,
Mauve Area, G-8/1,
Islamabad, Pakistan
Tel: +9251 225 0526, 2253145, 8432676
Fax: +9251 225 2950
Email: email@example.com
Website: www.icci.com.pk


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Growing up in Richmond, B.C., home to Canada's largest immigrant population, Kimberly Gosel, '19 JD, didn't encounter issues of inequality until she interviewed her Indian-born father for a high school project and discovered he'd been bullied throughout his childhood and teens.
"He'd never told this story before." says Gosel, the 2019 recipient of the Hon. Cecilia Johnstone Equality Award. "I'm very lucky. I've never had to deal with direct racism like that."
His trauma opened her eyes. During her undergrad in sociology, she worked with Aboriginal Affairs and Northern Affairs Canada as a negotiations assistant, and with Motivate Canada, teaching leadership skills to youth of different races, gender and social status. In law school, Gosel made equality issues the focus of her extracurricular commitments.
Since first year, she has represented her peers on the Equality and Respect Committee, a group of faculty, students and staff intent on promoting an open and inclusive environment at the Faculty of Law.
She also volunteered biweekly with Student Legal Services, providing legal information and referrals to members of the low-income community at the Bissell Centre.
"I recognize that I do have this privilege," she says. I feel like I should be sharing that privilege in any way I can."
In third year, she served the Law Students' Association as vice-president (academic), with duties that included formatting and editing the condensed annotated notes of law school courses (CANS) that many students create to assist their peers.
A second-year student who supported her nomination for the equality award wrote that Gosel is always available to listen to students struggling with issues of equality and has "genuine compassion and tireless advocacy for those who face roadblocks due to their identities in both professional and social settings."
Gosel ably fulfils the criteria of the award named for the late Justice Cecilia Johnstone, who was a champion for the fair treatment of women within, or in contact with the legal system. It is given to a student who demonstrates a passion for fairness and compassion to those in need.
"Equality is an aspiration," says Gosel. "It's important to recognize that as an aspiration, you always have to work towards it."
"In awarding Kim the Hon. Cecilia Johnstone Equality Award, the Faculty recognizes a student whose commitment to the ideals that the creators of the award sought to recognize," said Dean Paul Paton.
"Her fellow students universally highlight that her countless acts of advocacy and support are accompanied by humility and empathy, qualities which go to the heart of why this award was established in honour of a judge and trailblazer for equality for women in the legal profession."


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I've decided to rename my upcoming book, from Memoirs of an Indigo to Whispers from my Soul, Cries from an indigo Heart. Since this is my first book, I'm learning as I go. I hope to gather information and learn from you, my readers also. So please don't hesitate to leave constructive criticism.
With much love,
A'li~yana Lynne


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Redemption Falls, A Littleton Novel, Kate Hewitt
Redemption Falls, A Littleton Novel, Kate Hewitt
Genre: Romance, Women's Fiction
Review from Jeannie Zelos book reviews
Gosh, some really troubled people in this book. Rob, trying to escape from the guilt he feels over his past actions is back in his home town. Linnea has also come home after twelve years roaming, floating from place to place, job to job, rootless. After a postcard from her mum she thinks finally she can come back and make changes. Its a different place to what she left though, and Ambler isn't open and friendly to her "sister" but sullen and moody. She's fourteen now, a tough age anyway and Linnea just feels even more guilty for leaving. Her mum hasn't encouraged contact and the three of them all seem very self contained, not close though its clear Ambler and the lady she thinks is her mum have a special bond. I so felt for Linnea, though she left her daughter when she was two its not as cut and dried as that, and she still looks to be trying to stop the hurt of rejection. Linnea isn't really made welcome even though her mum asked her to return. She lives a few miles away, in a tiny ramshackle place in the mountains, but has been invited for dinner just a couple of times since she returned. Any more frequent contact Linnea tries is discouraged. She was hoping they could tell Ambler the truth but that seems like it's not going to happen… Just when she's thinking maybe she should just go again something huge changes everything.
Rob, he's not exactly happy in his new job. He's got to make some sweeping changes and severe cutbacks to keep the college running. One of his ideas for extra income is for the college to have some extra classes – adult education, not for the basics but for Art, History, subjects that interest people and aren't easily found. There's a bit of closed ranks but he gets his way. He's attracted by Linnea but she's rude, prickly and unwelcoming. Somehow though he sees in her someone like himself who needs a friend, and he wants to see more of her. She's scared, puts him off, conscious of her position as an uneducated shop-worker compared to his as College President. He wears her down though, but just when they finally seem to make progress everything gets upturned and there are some tough decisions to make.
Stars: Four, a haunting read, and I really felt for the characters.
ARC provided by Netgalley and publisher


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Now comfortably adorning the hall of a London town house, this beautiful hat & coat rack from Hooked on Hooks is made from Honduran mahogany.
Based of a far smaller Hooked on Hooks' rack, this is as good an example as any of how an existing coat rack can be produced to exact personal requirements.
Several weeks in the making, the very large round-over edge was painstakingly crafted using hand tools.
Description: Handmade Honduran mahogany hat & coat rack with eleven cast iron hooks
Wood: Honduran mahogany from sustainable sources. Finish: Osmo Satin-finish Oak Lightening Hard Wax Oil
Hooks: Georgian-era design, wax-finished cast iron, acorn-tip hat & coat hooks
Dimensions: Length: 2.5 metres. Width: 20cm. Thickness: 2.8cm.
Fixing: two steel counter-sunk hanging brackets and five plinth fixing holes beneath hooks
Stock ref: SH0358
Cost: £380.50
Contact: Steve Gamblin at email@example.com
Hooked on Hooks: http://www.hookedonhooks.co.uk


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Christians vote with their faith
November 4, 2004
Greeley Pastor Frank Ross did not ask how his congregation voted this presidential election.
"I don't tell them, and they don't tell me," he said in a matter-of-fact tone.
But it is no secret that in a deeply divided nation, a glorious turnout from the faith community greatly impacted the presidential race.
Exit polls showed that Americans ranked moral values above all else in the election.
In Colorado, white evangelical Christian voters, who make up one-quarter of the voting population, backed President Bush 85 percent to 14 percent. Catholics, at 19 percent of the state's electorate, supported Bush 50 percent to 48 percent — a huge swing after backing Democrat Al Gore in 2000 by 53 percent to 42 percent.
But while credit is given to specific denominations for re-electing President Bush, Ross points out that Southern Baptists and Catholics have a lot in common.
Recommended Stories For You
It is not just the evangelical and Catholic churches that gave President Bush four more years, said Ross of West Greeley Baptist Church.
Bush spoke outright against issues that John Kerry remained elusive on, Ross said.
Bush presented moral values as a basis from which decisions would be made, said Ken Iliff of First United Methodist Church in Windsor. He admits the Methodist church encompasses diverse views, and even he, while against gay marriage, said abortion issues are difficult when health risks are a factor.
But, Iliff said, in the past eight to 10 years, many poor moral decisions have been made by nation's leaders. Politicians have come undone because of their personal behavior, he said. He is not surprised morality ranked high at the polls.
Faith in the Democratic party has been slowly waning, Ross said.
Southern Baptists have generally been Democrats, he said. He was a Democrat, as was his father, but Ross changed his political affiliation to Independent and then Republican because he said he no longer recognized his party.
Democrats have historically been for the oppressed, for social justice and defending the poor, he said. They have now blurred the line between social issues and moral issues.
"It is no longer a person who is poor," Ross said. "(Now) you are a minority if you are a homosexual."
Women who get abortions are a minority to Democrats, Ross said.
Democrats have to do something to prove the party stands for social minorities, not moral minorities, he said.


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Ensure your project's success with an in-depth Agile software discovery phase that provides just enough up-front insight to allow subsequent development work to proceed quickly, efficiently, and in line with your strategic goals.
Identify risk, plan for cultural change and recruit strategically with a strategic roadmap that gives you a crucial point of reference from which to guide future direction.
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Our CTO as a Service offering helps ensure that your IT ecosystem is optimised to deliver the outcomes you need, providing a flexible and cost-effective means of accessing expert, tailored technical advice and guidance.
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Delivering insight into how their offering performed against others in the sector, alongside best-of-breed examples from a wide range of industries, the organisation now has a solid plan for the future, which will help them maintain valuable competitive advantage in the face of growing customer expectation.
Digital Change & Transformation
RS Components: "Keeping the lights on"


text: "it doesn't mean we can't be friends" Sept 10, 2018 23:25:20 GMT -5 JMX and saarinista like this Quote Select PostDeselect PostLink to PostMemberGive GiftBack to Top Post by greatcoastal on Sept 10, 2018 23:25:20 GMT -5 Sept 10, 2018 22:12:46 GMT -5 JMX said:Well, it sounds like she was willing and that *maybe* you didn't show her pictures?If so, well done! Move on. She's not into you if she told you that, however - you got a little into her, so Ding Dong!! No I didn't show her pictures ! LOL!! Instead I danced with her a lot. They finally played a slow song, I put her arms around my neck and pulled her body against mine doing a slow sway. I haven't flexed my chest up against a woman in decades!She said to me "you know that whole table full of ladies over there is watching you, cheering you on" I was naive to it. It's been decades since I've been doing that with a woman.I met with her at the park by the ocean near my home. I took her to the lifeguard tower across the "no trespassing" chain. ( The same place where I had sat alone during my divorce, dreaming of sharing it with someone) She sat on my lap and leaned back against my legs and knees. I stroked her hair and her thighs, as the sun set. She repeatedly said to me " well I've never told anyone this before" as I gained her trust.We had a memorable evening.She wants to be "friends" . My FIL passed away, and I called my new friend. I needed someone to speak with. She did not return my calls. I texted her and explained my needs. She said" I was wondering why you called". Time to move on!!


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In these days, I'm starting to use Gemini and I'm discussing about it in dedicated CTP newsgroups. I recently wrote a message that I'd like to share here, but not before some considerations.
First of all, like Chris said, Gemini is less than a threat to (present and future) SSAS solutions. Far less than a threat. We already had this thought when Gemini was publicly presented for the first time nine months ago, but now we have some evidence.
Gemini feature set is not complete in this first release. The data cleansing tools will be not part of this first release. Data models must be very simple and cannot afford the complexity of the real world. And this make me think that, at the end, Gemini will not reduce the requests for data extractions made by power users: almost any operation made by an ETL that translate a data model into one another is not possible using Gemini. So, probably Gemini will increase the number of requests for data feeds by users that are not able to get data by themselves.
That said, Gemini is an interesting tool, that can fill the gap between the absence of a report and the delivery of a report build on top of a data warehouse with data validated and certified. In some way, it is an attempt to take control of existing spreadmarts. And, as I said at the beginning, it is interesting to consider who will be the Gemini users. Of course, my view is relative to the customers I know better that cannot represent the whole set of real world users. However, even if I will need to see how the end users will really approach to Gemini, I started to figure out that we will have several scenarios:
- REPORT VIEWER users – they are not able to build a data model in any way, but they can (and sometimes want) to navigate into data by changing some filters in the report. They will use Gemini as end users, but they will not create any new model.
- REPORT BUILDER users – they are not able to build a SQL query without a query builder, but they can put every data into Excel and already use simple VBA functions to make the calculation they want. They will build simple models with Gemini and their ability to access new data will be somewhat limited by their skills. They will ask to IT for data they are not able to get or to calculate.
- DATA MODELER users – they are able to build a complex data model, today they use Access to build their data models overcoming the limits of Excel (they started to do that years before Excel broke the 65535 rows limit). They are not programmers nor DBA, but they are the sort of "advanced users" that will adopt Gemini as their primary tool. They already provide reports to their colleagues and/or managers. Often, they build so complex models that the work to industrialize them in a cube is very hard, because it requires a tough reverse engineering process.
- SSAS DEVELOPERS users – they are, like me, happy to use Gemini as a tool to navigate into data the first time, to create prototypes and to understand if a model is good for an end users before building the complete DW-ETL-SSAS solution. Today these prototypes requires hours to days of work, I expect we will be able to lower this time and, most important, to apply changes to these prototypes in a faster way.
I like the utopist vision that Microsoft have about Gemini and its SharePoint integration – however, I'm not sure we will see this vision applied 100% of the times – especially in the first years, just because SharePoint adoption has a wider impact than the installation of the client side of Gemini (and Excel 2010 – which can affect only a few PCs in a company).
Finally, I read someone asking for a tool that will migrate a Gemini model into a SSAS solution. Well, this is not on top of my
priorities. If you migrate to a managed SSAS solution (managed in the sense you will have a DW-ETL-SSAS daily process), you probably have other requirements (data cleansing, data modeling, …) that requires to build a new Gemini/SSAS model anyway. The only exception would be the Gemini model created on a Data Mart (regular star schema), but I think that if you have a
star-schema data mart, you probably already have the corresponding regular SSAS cube…
A more important piece of software would be a way to create a documentation of the Gemini model, in terms of metadata descriptions, that would help me to create the corresponding Data Mart and SSAS cube models and the necessary ETL steps. As you may think, my interest about Gemini is mostly about the SSAS developers type of user!