text:
Cold Protection Gloves, Heatrac® Lining, Safety Cuff with Knit Wrist Cuff, Brown/Gold, L, PR 1
- Item # 31KN24
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Technical Specs
- Item Cold Protection Gloves
- Cuff Safety Cuff with Knit Wrist
- Lining Heatrac(R)
- Size L
- Color Brown/Gold
- Palm Material Cowhide
- Palm Construction Reinforced
- Back Material Weather Resistant Nylon
- Coating Material Non Coated
- Coating Finish Non Coated
- Finger Material Cowhide
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- Knuckle Padding Material Leather
- Stitching Material Polyester
- Cut Kontour(TM)
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- Finger Style Full
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- Length 11"
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text:
The Bill Press Show is now simulcast on Current TV!
The Bill Press Show will air weekday mornings 6-9 AM ET on Current TV as part of the network's new morning news block, with The Stephanie Miller Show airing from 9 AM -12 PM ET. The Current TV cameras will be in studio every day! Both shows will be simulcast – you will still hear them on your local progressive talk station!

subset: commoncrawl


text:
|2012-07-30, 11:08
|Link #6402
Senior Member
Join Date: Sep 2010
Location: Canada, Sault Ste. Marie
I guess, but they were making the physical shields even before they even knew that attack existed. Seems like something they'd address right away with these opponents.
But that's a good point actually. Unless he's REALLY precise with that spell when he has to use it, it's going to make all his wingmen useless for a good while.
|2012-07-30, 11:12
|Link #6404
The Flame Crussader
Join Date: Aug 2009
To be fair, it will be the same with the Fortress Unit anyway. Divide Zero Eclipse not only shuts down all magic ...but ALL forms of energy xDU Be magic, eclipse or electricity (both ships systems failed and Subaru's bionics were greatly affected). So it doesn't matter really xD
I think Justin was talking about a unit that can produce "energy shields" by transforming magic into conventional energy just like the Strike Cannon and other equipements do (altough i want to know the specifics of the "Gladiator" that unit have lots of inconsistencies) which seems like a legit idea and will give the heroes back some of the lost flexibility they got with the new "shields" who are unpractical as hell compared with their previus defensive magic that allowed them to cast quick, light and highly maneuverable shields for all kinds of defense. Stripping the characters of their dynamic means of protection was a key part of the nerfing they suffered in FORCE. Specially for those who relied with certain frequency on said defensive magic like Nanoha or Signum.
About the joke, i may not be original but it was part of the intention as Hayate's AEC also lacks overal originality ...it's just Nanoha's equipement with more shields attached to it. Yeah, very original.
|2012-07-30, 11:20
|Link #6407
The Flame Crussader
Join Date: Aug 2009
In a series with a past full of cool, original, colourfull and individually tuned devices it's hard to see the heroes using all the same freaking gun xDU Sorry but that's pretty lame, that's another point against using the old cast in this story, if they wanted to write something like this a Gundam-like cast would be better suited than Nanoha and Co. xDU
Mass production models shoudn't be used by main characters xDU That's partially the reason i see 5th Gen Bardiche and Sword Breaker as the only worthy upgrades so far. No one else can use Sword Breaker cause it's designed to use a unique ability Subaru and only Subaru posses: her Oscillating Breaker.
In any case over 90% of the jokes in these days aren't original either so get used to it and get over it xD
|2012-07-30, 11:26
|Link #6408
Senior Member
Join Date: Sep 2010
Location: Canada, Sault Ste. Marie
I don't think that's going to happen, Aki.
|2012-07-30, 11:36
|Link #6409
The Flame Crussader
Join Date: Aug 2009
|2012-07-30, 11:43
|Link #6411
The Flame Crussader
Join Date: Aug 2009
And i bet said pilot moved on quickly to better designs. That's also a common trope, a guy starts piloting common stuff until getting/stealing/falling on a much better model which will become it's stardard mecha from now on.
Part of me is still waiting for Nanoha to stumble upon a supreme weapon and start kicking butts for real. I was hoping for Signum too but the Wolks are too unimportant to get actual exclusive weapons xDU
|2012-07-30, 11:53
|Link #6412
Senior Member
Join Date: Sep 2010
Location: Canada, Sault Ste. Marie
No, he just bolted more weapons onto it. Then it blew up and he got another one. And then that one blew up...
The only reason characters in Gundam have custom units is to sell models of them. You could tell a story about a bunch of guys in grunt robots and it could be just as good as a main entry. It just depends on the writing.
|2012-07-30, 11:58
|Link #6413
The Flame Crussader
Join Date: Aug 2009
Exactly, at least that guy started piloting common dirt mechas and goes on and on with it. Nanoha and Co. have a very different backstory, one that doesn't exactly combines well with this sort of stuff. If they wanted to do something like this ...why not new characters?
|2012-07-30, 12:58
|Link #6416
Anime Snark
Join Date: May 2006
Location: Singapore
Age: 35
|2012-07-30, 13:23
|Link #6417
Mastermind Rational
|2012-07-30, 13:33
|Link #6418
The Flame Crussader
Join Date: Aug 2009
If Curren gets actually beaten by that piece of junk she'll lose her category as a powerfull Big Bad xDU
...Boss Mode Tohma must be her opponent xD
And i'm skeptical to call Signum's unsuccessfull capture attempt as "getting her revenge" xDU
|2012-07-30, 14:39
|Link #6420
Name means little...
Graphic Designer
Join Date: Dec 2004
I would think that the idea of highly unique weapons wouldn't fly in the more grimdark affair of Force. Seeing the elites geared up with the newly-minted cannons is shockingly logical of Tsuzuki.
(Granted, this is hard for me to take, being used to Tsuzukiverse tentacle raep transformations, beamspam that would leave you naked and animal people...)
If this trend of rational thinking continues, I wouldn't be surprised if ad-hoc retrofit with gears sent from friends living in that hick non-administered world 97 will pop up... kinetic weapon ban be damned.
|manga, nanoha force
|Thread Tools


text: Hi fellas, Id like to introduce myself. My name is Martin and Im a first time Ipad user. Got the Ipad2 at the launch here in Sweden. Its now been a couple of weeks and I really like it! Sorry for any misspellings.. It seems like a very good forum and the fact that it works like an app is great. Over and out from a Sweden with spring in the air !!


text: I am currently In a pickle. My 2009 Mbp is 2.2ghz 2 gb ram pretty fail now and I don't want to upgrade the ram it's a waste to drop money on it. I'm looking to either get an i7 Mac mini with basically all upgrades but the graphics card is weak I'm wondering if new one will have a top end card.. And when it will likely be released. If not ill get an 27" iMac i7 3.3ghz , 16gb ram, gtx 680 2gb.. Opinions / rumors of releases would be awesome. Also I have heard that its near impossible to upgrade the iMac minus the ram on the 27" but I hope no hdd fail:/


text:
Feature image from KELLIMURRAY
Everyone says that the second trimester of pregnancy is the best. For me, this appears to be true. Every single woman I talk to has a different story and opinion on being pregnant, but they all seem to talk fondly about the second trimester. Perhaps it is the only universal experience that all pregnant women go through, a good second trimester.
At the moment, I feel like I have always been pregnant; like I have lived this way for a lifetime. I don't think about the fact that I can't drink alcohol, it never crosses my mind. I have forgotten what it feels like to sleep through the night without waking to go to the toilet. I can't remember what my life used to be like or how my body looked before. The hype of begin pregnant has calmed down and now it feels like normal life.
I have set my pregnancy books aside and stopped over analysing every bump and pain. I am starting to feel like the baby is really stuck in there now. The delicacy of the situation has ended and the solid thumping of a strong little human, kicking more space in my guts gives a healthy permanence to his existence (Yes, we found out we're having a boy!).
The best way to explain it is that I feel normal – It's a new kind of normal but normal all the same. The free fall of the third trimester has not yet begun. My life now involves kicking and movements inside, a lot less sleep and I have noticed when people say hello, their eyes fall down to my belly and linger there, taking it in. But that's it.
Doctors – Going to the Doctors feels weird because everything is going so well. I feel like I am wasting their time, but they keep wanting to see me, just in case, to check everything is still going well. I am having blood tests every two weeks. I am going every three weeks to see the OB team. I'm getting ultrasounds every four weeks to check foetal growth and wellbeing. It's great to see him all the time. Every time, he looks bigger and happier and more ours.
Medication – CLEXANE, Aspirin and 10 mg PREDNISONE. Plus pregnancy vitamins, VITAMIN C and fresh juice.
Platelets – My platelets are up! My platelets are staying over 140 – Which is freaking insane! (Especially after the platelet scare in my FIRST TRIMESTER) It's the highest platelet count I've ever had. Pregnancy may have cured my ITP. My Haematologist has given me a free pass for a little while. He said I don't need to come back and see him for a few months. I still get platelet counts every two weeks, but unless there is a big fall he doesn't need to see me! Yay. I am seeing my OB team so often, he says I am still in safe hands.
Bruises – All my bruising has sorted out, which is a relief. I only have small coin sized bruises on my stomach and upper thigh from clexane injections.
Bleeding – Nothing to report. My platelets are quite high at the moment and there has been no other bleeding from my gums or nose.
Nausea – By week 15, my nausea and morning sickness had settled down. I still feel unwell if I'm really hungry or dehydrated, but that is to be expected. I am also still getting sick when travelling in the car. Randomly at 25 weeks I felt terrible in the morning, but it passed after a few hours.
Headaches – No more since the end of the first trimester. I have made sure I drink a shit tonne of water and that seems to have stopped the headaches.
Anxiety – I don't feel any anxiety about the baby, but there are other worries. We are moving house to be closer to the hospital, which is an added stress. I want to be in my own home getting the house ready, but that is not a possibility at the moment. I am making a huge effort at the moment with my stress, and have managed to keep it all under control.
Feelings / Worries – How am I feeling? I feel wonderful. And I wasn't expecting to feel so wonderful. If I'm honest, I believe everything is going to turn out perfectly.
Sleeping – Sleeping is definitely more disturbed. I am finding it harder to get comfortable and harder to fall asleep. I am still waking in the night to go to the bathroom. It is more difficult to fall back asleep. I am waking myself up when I roll over from the weight of my tummy shifting. I recently brought a pregnancy sleeping pillow, which is a little wedge, that helps. It helps relieves a lot of the weight from my stomach when I am lying on my side.
The Belly – Still no a lot there. It took a long time for the belly to come. At 23 weeks I had a little belly my friends noticed, but I could certainly hide with a t-shirt. At that time (23/24 weeks) my stomach hurt all the time. I was always holding my stomach in with my hands because it felt like it might tear apart. (Apparently this is my stomach muscles splitting apart to make space for the baby. Not everyone feels this pain.) At 26 weeks, I have a nice little bulge. I have only just started to wear maternity clothes which include singlets and a pair of shorts.
Exhaustion – The exhaustion I felt in the First Trimester has gone. I am back to exercising four times a week (with modifications) doing yoga, ballet and a little walking on the days in between.
It's such a relief that the stress had lifted. I feel so lucky. I'm starting to really enjoy this pregnancy and I didn't think that that was possible. Only 3 months to go…


text: Hi my names Paula, i am planning on giving up smoking tomorrow. I really want to give up, its more of a habit as i really dont enjoy them any more but i get very moody when i try to give up and thats always my excuse to go back. I have a son who as had 2 open heart surgerys (i dont smoke in the house near him) he will need to have another surgery in a few years and i worry that i wont be healthy enough for him, if i carry on smoking. I have been smoking for 30yrs. My gums are becoming unhealthy and i dont want to loose my teeth. I am not worried about gaining weight as i am a stone under weight so will do me some good. I wrote a list and i came up with 26 reasons to give up smoking and only 3 reasons not to :eek:. Does anybody have any good tips on controling stress and anger, they are my main down falls and what i need the most help with, thanks.


text:
Global Weather Highlights September 2008
Hawaii. West and the Southeast
Moderate to extreme drought conditions continued across parts of the
Hawaiian Islands, the western, central and southeastern parts of the
continental U.S. Exceptional drought persisted across western South
Carolina. As of September 30, 29% of the western U.S., 17% of the
13% of the High Plains, 42% of the Southeast, and 24% of the
U.S. were in moderate to exceptional drought, according to the U.S.
Drought Monitor.
High temperatures and strong winds were conducive to the development
of wildfires across southern Africa during the first week of
September. The wildfires affected Mozambique, South Africa, and
Swaziland, killing hundreds of livestock, affecting over 3,000 people,
and claiming the lives of 89 people; 49 people in central Mozambique
and 40 in South Africa and Swaziland (Associated Press/BBC News).
According to the Australian Bureau of Meteorology, Melbourne had the
driest September since records began in 1855, with a total of 12 mm
(0.47 inches) of rain. The previous record was set in 1907 when a
total of 13.4 mm (0.53 inches) of rain fell.
In Szeged, Hungary, a new daily maximum temperature record was set on
September 7 when temperatures rose to 37.6°C (100°F), surpassing the
previous record of 36.7°C (98°F) set in 1946 (BBC News).
Storms brought flooding and mudslides during the 6th -8th to areas of
the United Kingdom, where torrential rain caused rivers to overflow
their banks and roads to be inundated. It was reported that hundreds
of people were forced to evacuate after nearly 1,000 properties were
flooded in the town of Morpeth. Six fatalities were reported
(Associated Press).
Heavy rain fell across southern Chile on August 31 - September 1. The
heavy downpours triggered floods and landslides that affected more
than 81,700 people, killed four people, and destroyed or damaged
nearly 10,900 houses (IFRC). According to reports, the rains were the
heaviest in nearly four decades (Associated Press).
Intense rains on the 7th caused flooding and mudslides in Penang,
Malaysia. More than 10,000 people were forced to evacuate the affected
area. No fatalities were reported (BBC News).
Flash floods caused by heavy rain on September 10-11 killed 16 people
and forced hundreds of people to leave their homes across northern
Iraq and parts of Iran. According to reports, the floods destroyed
several hydroelectric generators in Iran's Choman district (BBC News).
Incessant rains produced by a tropical disturbance affected Puerto
Rico on September 20-24. According to a local newspaper, the tropical
disturbance dumped as much as 660 mm (26 inches) of rain in a period
of 24 hours. This amount of rain surpassed the previous record of
603.2 mm (23.75 inches) set on October 1985 (El Nuevo DÃ*a). The
southern portion of the island experienced the heaviest rainfall,
prompting landslides and many rivers to overflow their banks that
flooded hundreds of homes (Reuters). According to the USGS, the Gurabo
River's gage height rose 7.62 m (25 feet) in less than 24 hours on
September 21, peaking at 9.23 m (30.29 feet). Many homes were damaged
or destroyed and four fatalities were associated to the floods. The
heavy rain reportedly caused Puerto
Rico's agricultural industry at least $14 million in losses. The
hardest hit crops were coffee and bananas (Associated Press). It was
reported that president George W. Bush declared eight municipalities
disaster zones.
In southeastern Mexico, heavy rain caused rivers to be well above
flood stage, flooding thousands of homes and forcing hundreds of
people to evacuate the area. Five fatalities were blamed on the heavy
rain (Associated Press).
Torrential rain affected nearly 700,000 people across parts of
Thailand on September 22-24. The heavy downpours caused severe
flooding, damaging nearly 1,900 houses and tens of thousands of acres
of farmland. It was reported that the floods claimed the lives of 16
people (AFP).
In southwest China, heavy rain triggered flash floods and landslides
in the Sichuan province on September 24, killing 14 people and leaving
40 others missing. According to reports, more than 42,000 houses were
destroyed (Associated Press).
Heavy monsoon-related rainfall drenched parts of India during
September, triggering floods and mudslides and causing damage to crops
and property. The heavy downpours prompted rivers to breach their
banks, producing widespread floods in eastern Orissa that affected
nearly 2.4 million people. According to reports, this was the worst
monsoon flooding in the state in 26 years (Associated Press). The
floods were blamed for the death of 173 people across India (AFP).
Hurricane Gustav, which developed during the last week of August,
pounded several Caribbean nations before making landfall west of Grand
Isle, LA on September 1 as a category 3 hurricane with maximum
sustained winds near 185 km/hr (115 mph or 100 knots). Nearly two
million people fled coastal areas as many feared a repetition of
Hurricane Katrina. According to reports, this was described as the
biggest evacuation in U.S. history (AFP). Gustav's ferocious winds
brought down trees and power lines, leaving thousands of customers
without power in Louisiana (Associated Press). As Gustav moved inland,
the storm weakened to a depression. The storm was blamed for 25
fatalities in the U.S.
Hurricane Hanna developed as a tropical depression in the Atlantic
Ocean on August 28, strengthening into a tropical storm later that
day. By September 1, Hanna intensified to a hurricane with maximum
sustained winds near 130 km/hr (81 mph or 70 knots) as it trailed
towards the Bahamas. Although Hanna did not make landfall on the
Island of Hispaniola, the storm's outer rain bands brought heavy rain
to Haiti's saturated grounds. The copious rain caused fatal floods and
mudslides, claiming the lives of 529 people (Reuters) and destroying
immense areas of crops (BBC News). The worst affected city was
Gonaïves, which according to reports was completely devastated (BBC
News). The storm tracked towards the Eastern Seaboard, making landfall
near the North and South Carolina border on the 6^th with maximum
sustained winds near 93 km/hr (58 mph or 50 knots). Hanna brought much
needed rain to the Carolinas, however severe to exceptional drought
persisted according to 9 September 2008 U.S.
Hurricane Ike developed as a tropical storm, west of the Cape Verde
Islands, on September 1. The storm quickly intensified, reaching its
peak strength (a dangerous Category 4 hurricane on the 4th when it had
maximum sustained winds near 233 km/hr (145 mph or 126 knots) and a
pressure of 935 mb. So far, Ike is the strongest storm in the 2008
Atlantic hurricane season. Haiti, already ravaged by three previous
tropical storms (Fay, Gustav, and Hanna), was affected by Ike's outer
rain bands. Torrential rain fell, producing swollen rivers, mudslides,
and floods, which claimed the lives of 74 people (AFP). The storm
tracked towards Cuba (also previously affected by Fay, Gustav, and
Hanna), which was preparing itself for a fourth time, evacuating
nearly a million Cubans across the coastal areas. Prior to making
landfall in Cuba, Ike slightly weakened to a Category 3 hurricane. Ike
made landfall in eastern Cuba on September 7 with maximum sustained
winds near 193 km/hr (120 mph or 104 knots). Ike's ferocious winds
tore off roofs, toppled trees and power lines. As the storm roared
across the island, Ike weakened; however, remained a dangerous
Category 1 hurricane. The storm crossed over western Cuba, striking
the area with additional flooding and storm surge (AFP). Hurricane Ike
was responsible for seven fatalities in Cuba, the highest death toll
for any storm in years, according to reports. Ike's death toll in Cuba
exceeds the death toll from Hurricane Michelle in 2001 when five
fatalities were reported (Associated Press). It has been reported that
Hurricane Gustav and Ike caused nearly 5 billion U.S. dollars in
damages. More than 63,000 homes were destroyed and about 450,000 were
damaged (Associated Press).
After lashing Cuba, Ike moved into the Gulf's warm waters, tracking
towards the U.S.-Mexico coasts. As the storm moved steadily towards
Texas coast, Ike strengthened into a Category 2 hurricane. Ike was a
large storm. Long before it made landfall, Louisiana and Texas coast
felt Ike's effects. The storm made U.S. landfall at Galveston, Texas
on the 13^th with maximum sustained winds near 176 km/hr (109 mph or
95 knots). Ike brought widespread floods across the Galveston area.
Houston was also pummeled as the storm moved inland, blowing out
windows and leaving millions of residents without power (BBC News). As
the storm tracked towards the Midwest, it weakened. However, Ike's
remnants caused havoc across the Midwest. Torrential rain and strong
winds were responsible for inundating homes and causing blackouts to
more than a million homes and businesses. The storm dumped 152-203 mm
(6-8 inches) of rain across parts of Indiana, Illinois, and Missouri.
The storm was also responsible for spawning a tornado in Arkansas that
caused damage to several buildings. Ike was blamed for 15 fatalities
across the Midwest, which brought the U.S. death toll from Ike to
nearly 40 (Associated Press).
Typhoon Sinlaku developed as a tropical depression in the western
Pacific Ocean, east of the northern Philippine Islands, on September 8
and became a tropical storm later that same day. Although the storm
did not make landfall in the Philippines, Sinlaku's effects were felt
across the island of Luzon, Philippines. The storm's rainbands
prompted heavy downpours that quickly flooded the streets and homes on
the 8th . By the 9th , Sinlaku strengthened to a typhoon but reached
its peak intensity on the 10th with maximum sustained winds near 231
km/hr (144 mph or 125 knots). The typhoon moved towards the
northeastern coast of Taiwan where it made landfall on the 14^th with
maximum sustained winds near 148 km/hr (92 mph or 80 knots). Sinlaku
slashed the island with strong winds and heavy downpours. The typhoon
was blamed for four fatalities and for leaving seven other people
missing in central Taiwan. According to reports, Sinlaku dumped more
than 1,016 mm (40 inches) of rain in the mountainous regions, causing
deadly mudslides and the overflow of rivers that forced hundreds of
people to evacuate the affected areas (Associated Press/Reuters).
Sinlaku weakened to a tropical storm as it exited Taiwan, tracking
towards Japan. The storm briefly intensified to a typhoon but weakened
once again before making landfall in southern Kyushu on September 18
with maximum sustained winds near 139 km/hr (86 mph or 75 knots). The
storm produced flooding and triggered several mudslides in Kagoshima.
However, no fatalities were reported (BBC News).
Typhoon Hagupit developed as a tropical depression in the western
Pacific Ocean on the 18th . The storm reached tropical storm strength
on the 19^th and attained typhoon status on the 21^st . The typhoon's
outer rainband affected Taiwan and northern Philippine as it moved
across the Luzon Strait towards southeastern China. Hagupit was blamed
for the deaths of three people and for trapping 13 others in a gold
mine in the
Philippines (Reuters). On September 23, Hagupit reached its peak
intensity with maximum sustained winds near 222 km/hr (138 mph or 120
knots) as it moved across the South China Sea. The typhoon made
landfall in the province of Guangdong on the 24th with maximum
sustained winds near 195 km/hr (121 mph or 105 knots). The storm
brought torrential rain and ferocious winds which killed ten people,
destroyed nearly 18,500 houses, flooded more than 800 homes, and
destroyed crops. According to reports, economic losses due to the
typhoon are estimated to be 923.7 million U.S. dollars (AFP). It was
reported that Hagupit was the worst typhoon to hit the Guangdong
province in a decade (BBC News). As the typhoon moved further inland,
towards Vietnam, it began to weaken.
However, Hagupit brought torrential downpours to northern Vietnam,
triggering fatal floods and landslides. The storm was responsible for
destroying thousands of hectares of crops, inundating several thousand
homes, and claiming the lives of 41 people (AFP). In Vietnam, the
economic losses were estimated to be at least 65 million U.S. dollars
(Associated Press).
Hurricane Kyle developed as a tropical disturbance that moved over
Puerto Rico, causing widespread floods that claimed the lives of four
people. By the 24th the disturbance exited the Caribbean as it tracked
northward. The disturbance attained tropical storm strength on the
25th and strengthened into a hurricane on September 27. The storm
reached its peak intensity with maximum sustained winds near 120 km/hr
(75 mph or 65 knots) before making landfall in Nova Scotia on the
28^th . According to reports, 12,000 outages were reported along the
south shore (Associated Press). Kyle weakened immediately after
Typhoon Jangmi developed in the northwestern Pacific Ocean as a
tropical depression on the 23rd. By September 25, Jangmi attained
typhoon status, but reached its peak intensity with maximum sustained
winds near 250 km/hr (155 mph or 135 knots) on the 27th . Jangmi made
landfall in Taiwan on September 28, becoming the most powerful typhoon
to hit the island during the 2008 season. It was reported that Jangmi
dumped as much as 1,124 mm (44 inches) of rain on some parts of the
island (Reuters) and left nearly 86,000 households without power. Two
fatalities were reported (Associated Press). The storm weakened as it
moved across Taiwan and was downgraded to a tropical storm on the
29^th as it exited Taiwan and headed towards Japan. The storm became
extratropical on the 30th .
Tropical Storm Mekkhala developed as a tropical depression in the
South China Sea on September 28. The next day the depression
strengthened to a tropical storm and on the 30th made landfall in
central Vietnam. The storm pounded the country with maximum sustained
winds near 88 km/hr (55 mph or 48 knots) and heavy rain (BBC News),
blowing off tin roofs and downing trees and electric poles. According
to reports, eight fatalities were reported with eight others missing
(Associated Press).
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A collection of copepods fills a specimen dish to be identified and counted. Scientists on board the research vessel Ka'imikai-o-Kanaloa collected the sample off the northeast coast of Japan in June 2011 in the wake of the earthquake and tsunami that devastated the coast earlier in the year. The cruise, led by WHOI marine chemist Ken Buesseler, spent two weeks sampling the Pacific for signs of radiation from the damaged nuclear reactors at the Fukushima Dai-ichi power plant. Recent analysis found that the event constituted the largest accidental release of radiation to the ocean in history, but that levels in the copepods, which are food for many larger fish, remain below levels of concern for human health. (Photo by Ken Kostel, Woods Hole Oceanographic Institution)
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text: BASEBALL MAJOR LEAGUE BASEBALL -- Suspended San Francisco minor league C Yamid Haad 50 games for testing positive for a performance-enhancing substance. American League BOSTON RED SOX -- Placed LHP David Wells on the 15-day DL, retroactive to May 27. Recalled RHP David Pauley from Portland of the EL. DETROIT TIGERS -- Purchased the contract of RHP Zach Miner from Toledo of the IL. Optioned the contract of INF Jack Hannahan to Toledo. KANSAS CITY ROYALS -- Fired Allard Baird, vice president of baseball operations and general manager. Named Dayton Moore vice president of baseball operations and general manager. NEW YORK YANKEES -- Recalled RHP Darrell Rasner from Columbus of the IL. Designated C Koyie Hill for assignment. TEXAS RANGERS -- Traded DH Phil Nevin and cash considerations to the Chicago Cubs for INF Jerry Hairston Jr. TORONTO BLUE JAYS -- Announced the resignation of Keith Law, special assistant to the general manager. National League CINCINNATI REDS -- Optioned LHP Brian Shackelford to Louisville of the IL. Added RHP Esteban Yan to the 25-man roster. HOUSTON ASTROS -- Agreed to terms with RHP Roger Clemens on a minor league contract. SAN DIEGO PADRES -- Purchased the contract of RHP Brian Sikorski from Portland of the PCL. Designated RHP Jim Brower for assignment. WASHINGTON NATIONALS -- Placed LHP Joey Eischen on the 60-day DL.


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The most familiar annuities are financial services designed to provide an income stream.
What is An Annuity?
Strictly speaking, an annuity is simply a series of cash inflows or outflows whose timing and amounts are governed by a contractual agreement. By this definition, a mortgage loan contract with specified monthly payments may be called an annuity, and a bond purchase that provides semi-annual interest payments to the bond holder are also one. This article defines and illustrates the term annuity, kinds of annuities, and associated calculations, in the context of related terms.
As the term annuity is usually used and understood, however, it refers to a class of financial service products designed to deliver
an income stream. Annuities of this kind are created and issued by insurance companies. They may be purchased directly from
the issuing insurance company (the issuer), but they can also be purchased through distributors—typically banks or brokerage houses. In any case, the person buying one is the contract holder, and a person receiving payments (a beneficiary) is an annuitant.
Contract holder and receiver may be the same person as when, for instance, people buy them early in life to provide themselves with retirement income later. Or, the contract holder may purchase one to provide income for a child, widow, widower, or someone else.
Annuity issuers normally earn income for the annuitant (and themselves) by using funds paid in by the contract holder as investment principal, to be re-invested in stock shares, bonds, or other securities.
The Purpose of Annuity Contracts
Contracts describe the life of an annuity, or its duration, the time period over which the contract holder pays in, and the time period over which the annuitant receives income payments. The specified time between these payments is the period. Contracts normally specify monthly, quarterly, semiannual, or annual periods.
Note that earnings may be retained in the investment account so as to add to the investment principal and produce additional earnings of their own, while actual fund withdrawal by the annuitant may occur later.
Annuity contracts also specify conditions for surrender of the investment during its life, that is, conditions under which the contract holder may withdraw all or part of the original investment and cancel the annuity. Surrender typically brings additional fees to the contract holder, but these are usually set by a fee schedule that decreases surrender costs as the end of annuity life approaches.
Explaining Annuity in Context
Sections below further explains and illustrates Total cost of ownership in context with related business concepts from the fields of asset management, budgeting, and cost accounting. Contextual terms include:
- What is an annuity?
- How do annuities serve as investments?
- What are the different kinds of annuities on the market?
- What are the most frequently used annuity calculations?
- Fixed annuity due future value FVAD formulas and calculations.
- Fixed ordinary annuity future value FVOA formulas and calculations.
- Fixed ordinary annuity future value FVOA multiple periods per year.
- Annuity notation: Fixed ordinary annuity future value FVOA.
- Annuity notation: Fixed annuity due future value FVAD.
- Variable annuities future value calculations, formulas and examples.
How Do Annuities Serve as Investments?
Are Annuities Free of Investment Risk?
Annuities of the kind described above are properly viewed as financial investments. The potential buyer can anticipate the amounts and timings of cash outflows and cash inflows and, for this reason, these investments can be evaluated and compared using many of the same cash flow metrics that apply to a broad range of financial investments—metrics such as future value (FV), internal rate of return (IRR), simple return on investment (ROI), effective annual yield, and annual percentage rate (APR).
Most annuities have another characteristic in common with other kinds of investments, namely an element of risk. The value of expected income may be less than absolutely certain for several reasons.
- Annuity income depends on the issuer's ability to maintain a healthy business and meet its own financial obligations. These investments, however, typically lack the kind of government guarantees that often stand behind other investments such as bank savings account deposits, so that issuer failure probably means investment failure as well.
- Another risk comes with so-called variable annuities, where income payments to the beneficiary depend on the issuer's ability to bring a good return from its own investments. That is, in fact, the reason that income from these investments varies from period to period.
- In contrast to variable instruments, most fixed investments allow the contract holder to "lock in" a rate of return for the recipient. However, if the investment is purchased when inflation and interest rates are relatively low, income will also be lower than if it had been bought when inflation and interest rates were higher. That is, when rates rise after the purchase, the annuitant may be locked into lower returns than would now be available from other investments.
- The beneficiary may die before receiving the all of the income that was contracted.
The purchase contract may include various clauses meant to mitigate such risks, such as an indexing clause that adjust return rates as securities market prices (and inflation and interest rates) change, or a death-benefit clause that transfers income payments to the annuitant's estate or beneficiaries in case that person dies before annuity end. However, as with risk-reward situations generally, the lower risk provided by such clauses comes at a cost, in the form of lower returns than comparable investments without them.
What Kinds of Annuities Are on the Market?
What Are Different Kinds of Annity Payouts?
The potential buyer must select from a very large set of annuity kinds and classes, where each product is shaped by a long list of features and characteristics. Just a few of the many possibilities are illustrated below.
What are the differences between fixed and variable (pay out) annuity payments?
Annuities are classified first as either fixed or variable, referring to the periodic payments beneficiaries receive:
- For the fixed kinds, each income payment to the annuitant is the same, period to period.
- For the variable kind, income earned can vary from period to period.
Fixed annuities normally pay at a fixed, guaranteed rate. For these, the issuer usually invests the contract holder's principal in low risk government bonds, high grade corporate stock or bonds, or other relatively "safe" securities. While such investments are low risk in their own right, the buyer should remember that annuity income will depend on the issuer's ability to make payments (i.e., the issuing insurance company's ability to service its claims).
With the variable form, the recipient's income can vary from period to period because income depends on the performance of the issuer's investments in stocks, bonds, money market funds, mutual funds, and other financial instruments with a market price that changes. Investing in the variable form is, in fact, not very different from investing directly in these instruments: issuers typically offer a choice between income based on conservative, relatively safe investment portfolios, and annuity income based aggressive portfolios with more potential gain, but also come with higher risk.
What are the differences between single and multiple (pay in) annuity payments?
The timing of the buyer's payments into the investment plays a significant role in determining financial metrics for an annuity, such as future value, effective annual yield, or internal rate of return (for more on metrics, see annuity calculations, below). Annuities may be set up to require payment from the contract holder in different ways:
- For the single-payment form, the buyer (contract holder) pays in just one lump sum payment
- For the multiple-payment form (or regular payment annuity), the buyer contributes to the investment principal through a series of payments over time.
How long is annuity duration?
Contract duration also plays a significant role in determining financial metrics for an annuity, such as future value, effective annual yield, or internal rate of return (for more on these metrics, see the section Calculations, below). Durations fall into essentially three classes:
- Fixed duration: These annuities provide income payments for a fixed number of periods, or specific duration (e.g., 10 years or 20 years).
- Life duration: Life annuities provide income payments for the life of the beneficiary. Depending on the specific contract, the income stream may simply terminate with the recipient s death, or the income stream or a lump-sum payout may be transferred to that person's beneficiaries.
- Perpetual (or perpetuity) annuities: These provide an income stream that continues forever. In reality, insurance companies and governments no longer create and sell perpetuities as financial service products. Most recently, the British government sold war bonds called consoles in the 18th and 19th centuries which are essentially perpetuities. Consoles that were issued then are still traded and still providing income to their current owners, albeit at a low rate. Although perpetual bonds are no longer issued, some other forms of investment can provide income essentially in perpetuity, such a real estate investments, or shares of preferred stock.
What is the timing of annuity payments within period?
Annuities are also divided into two classes depending on payment timing, i.e., whether the payments are made at the beginning or the end of each period.
- End of period payments: When payments are scheduled for the end of each period, the instrument is called an "ordinary" contract or annuity-immediate.
- Start of period payments: When payments are made at the start of period, the instrument is known as an annuity-due.
The difference is of small consequence for long duration contracts, such as life contracts or perpetuities. The difference, however, has a more noticeable impact on future value and other financial metrics for shorter duration contracts, e.g., annuities with a 10-year life.
What are deferred tax annuities, indexed annuities, and guaranteed return annuities?
Annuities can differ with respect to way they create tax liabilities for the investor, the way payment rates are calculated, and the kinds of guarantees the issuer provides for the buyer. For example:
- Tax deferred: "Tax deferred" means that the income tax liability on these earnings is deferred until the beneficiary actually takes possession of the funds. If that person wishes to leave periodic income "on deposit" in the annuity account for some time, income accumulates and earns income on itself, but the beneficiary owes no taxes on it until funds are withdrawn.
- Index (or indexed equity): An index contract pays annuitant income based on a return rate that is linked to a securities market index, such as the S&P 500 in the United States or the FTSE 100 in London. Regarding potential gains (and the accompanying risk), index forms score higher than comparable non-indexed forms, but lower than direct investments in securities.
- Guaranteed return annuities (GRA): These are sold with an issuer guarantee that the contract holder will never receive back less than 100% of the principal invested, no matter what happens in the securities markets and no matter how interest rates change—even if the instrument is surrendered (the principal is withdrawn and the annuity closed) during its life.
What Are Frequently Used Annuity Calculations?
Calculations are designed to compare different annuities, or to compare these investments with other forms of investment. These calculations—metrics—serve to answer questions about value to beneficiaries (annuitants) and costs to the buyer, while recognizing time-value of money concepts.
An annuity can be described mathematically as series of cash inflows and/or cash outflows continuing across a specified series of time periods. As such, the calculations below apply not only to income-producing financial service products, but also to the broader range of contracts as defined in the first paragraph of this article, including loan repayments and bond investments.
Annuity metrics apply the same time-value-of money concepts that underlie discounted cash flow analysis and compound interest calculations. For that reason, the examples below are intentionally shown first with the same time-value-of money symbols and notation used elsewhere in this encyclopedia. However, because these instruments are issued by insurance companies, and because they view contracts and payments as actuarial exercises, the (insurance) industry describes annuity calculations with a special notation (or actuarial notation). Therefore, example calculations below are also shown using actuarial notation.
Annuity calculations defined, explained, and calculated below are the following
- Fixed annuity due future value FVAD formulas and calculations.
- Fixed ordinary annuity future value FVOA formulas and calculations.
- Fixed ordinary annuity future value FVOA multiple periods per year.
- Annuity notation: Fixed ordinary annuity future value FVOA.
- Annuity notation: Fixed annuity due future value FVAD.
- Variable annuities future value calculations, formulas and examples.
Fixed Annuity Due Future Value FVAD Formulas and Calculations
Future value calculations address questions like this: What value will the annuity have at the end of its life? Formulas [3] and [4] in Exhibit 1 below produce the future value of fixed forms with a specified number of periods.
Exhibit 1. Formulas and symbols for calculating fixed annuity future values."
Example: Future value, fixed annuity due (FVAD)
What will be the value of a fixed contract due at the end of its life? Consider an annuity paying the beneficiary $100 annually, for five years, with payments coming at the (annual) period start (payment at period start makes this an annuity due). Use a nominal (annual) interest rate of 8.0%, and re-invest all incoming payments for the life of the contract at the same rate. Using the symbols above,
i = 8.0% = 0.08
q = 1
n = Yq = (5)(1) = 5
The resulting cash flow stream is shown graphically in Exhibit 2:
Exhibit 2. Cash flow stream for a fixed annuity due (payments appear at start of each period). When payments arrive at period start, they earn interest for the period they arrive as well as subsequent periods.
To see interest compounding at work, consider first just the initial $100 payment. That payment arrives at the start of Period 1 (Year 1), and earns compound interest for 5 periods. The future value of just that payment at annuity end is given by formula [1] above:
FV = PMT ( 1+ ( i /q ) )n
= $100 ( 1+ ( 0.8 / 1 ) )5
= $100 (1.08 )5
= $100 (1.4693) = $149,93
For the full payment stream for this annuity due, one payment is compounded five times (as shown), another payment four times before the end of the annuity, another payment is compounded 3 times, and so on. Formula [2} produces the future value (FV or FVAD) of the entire annuity due:
+ $100 ( 1+ ( 0.8 / 1 ) )4 + $100 ( 1+ ( 0.8 / 1 ) )5
= $100 (1.08)+ $100 (1.1664)+ $100 (1.2597) + $100 (1.3605) + $100 (1.4693)
= $633.59
Fixed Ordinary Annuity Future Value FVOA Formulas and Calculations
What will be the value of a fixed ordinary annuity at the end of its life? For the annuity due above, each incoming payment earns interest in the period it arrives and in subsequent periods. However, in the more common ordinary annuity, (or annuity-immediate) payments arrive at period end and therefore do not begin earning interest until the following period. Formula [3] produces future value for an ordinary annuity. Formula [3} simply subtracts one compounding cycle from each term in formula [2], by reducing each exponent by 1. Exhibit 3, below, shows the timing of cash flow payments in the ordinary annuity version of this example:
Exhibit 3. Cash flow stream for a fixed annuity—ordinary annuity (payments appear at end of each period). When payments arrive at period end, they do not earn interest the next period.
Formula [2} produces the future value (FV or FVOA) of the ordinary annuity:
+ $100 ( 1+ ( 0.8 / 1 ) )3 + $100 ( 1+ ( 0.8 / 1 ) )4
= $100 (1.0)+ $100 (1.08)+ $100 (1.1664) + $100 (1.2597) + $100 (1.3605)
= $586.66
In this case, with 5-period annuities, the difference between the annuity due (FVAD = $633.59) and the ordinary annuity (FVOA = $586.66) is relatively large. However, as the number of periods increases (e.g., as with a life annuity or a 30-year mortgage loan), the overall impact of payment timing within the period becomes less important.
Future Value, Fixed Ordinary Annuity FVOA Multiple Periods Per Year
What will be the value of a fixed ordinary annuity at the end of its life, if payments are paid and compounded quarterly? The examples above used annual periods, but consider now another 5-year ordinary annuity with quarterly (3-month) periods (q = 4), with four $25 payments per year, for a total of 20 periods (n = 20) The same nominal interest rate, 8.0% per year, represents a 2.0% interest rate for each quarterly period (i.e., i / q = 0.08/4 = 0.02). That is, the input variables for formula [3] are now:
i = 8.0% = 0.08
q = 4
n = Yq = (5)(4) = 20
By formula [3], the future value is now:
FVOA = PMT ( 1+ ( i / q ) )0+ PMT ( 1+ ( 0.8 / 4 ) )1 + ... + PMT ( 1+ ( .08 / 4 ) )(20 – 1)
= $25(1.0) + 25 (1.02)1 + $25 (1.02)2 + $25 (1.02)3 + $25 (1.02)4 + ...
...+ $25 (1.02)17 + $25 (1.02)18 +$25 (1.02)19
= $25 (1.0) + $25 (1.02)1 + $25 (1.02)2 + $25 (1.02)3 + $25 (1.02)4 + ...
...+ $25 (1.02)17 + $25 (1.02)18 + $25 (1.02)19
= $25 (1.0000) + $25 (1.0200) + $25 (1.0404) + $25 (1.0612) + $25 (1.0824) + ...
...+ $25 (1.4002) + $25 (1.4282) + $25 (1.4568)
= $25 (24.2974)
= $607.43
(Not all terms are shown on intermediate steps above.) The shorter periods in this example compared to the previous example (3 months vs. 1 year) lead to a higher future value($607.43 vs. $586.66). Both examples use the same nominal interest rate (8.0%), but the more frequent payments gives the second example a higher effective interest rate (see the encyclopedia entry interest).
Annuity Notation Example
Fixed ordinary annuity future value FVOA formulas and calculations
Annuities that are financial service products are issued by insurance companies. In the insurance industry, annuity metrics are viewed as belonging to the larger body of actuarial calculations. From actuaries, annuity calculations are presented in a special annuity notation (a subset of actuarial notation). Annuity notation examples are shown below in Exhibits 4, 5, and 6.
Exhibit 4. Symbols and formulas for calculating Fixed annuity future values, in annuity notation."
Annuity Notation Example
Fixed Ordinary Annuity Future Value FVOA
How do you find the value of a fixed ordinary annuity at the end of its life, using annuity notation? Future value formula [ 4 ] is applied to the same FVOA example just shown above, for a fixed ordinary annuity, extending five years, with a nominal annual interest rate of 8.0%, with quarterly $25 payments reinvested for the life of the annuity. That is,
i = 8.0% = 0.08
q = 4
n = Yq = (5)(4) = 20
i / q = 2.0% = 0.02
Using formula [ 4 ]
FVOA = PMT [ ( (1 + ( i / q )n – 1 ) / ( i / q ) ]
= $25 [ ( ( 1 + 0.02)20 – 1 ) / 0.02 ]
= $25 [ (0.485947) / 0.02 ]
= $607.43
This is the same result obtained earlier by computing 20 individual terms in the conventional future value formula [ 3 ].
Annuity notation for future value of an annuity due (FVAD) is just a simple modification of the future FVOA formula for an ordinary annuity. With an annuity due, payments arrive at the start of each period, thereby earning one more period's interest than a comparable ordinary annuity (where payments arrive at period end). The FVAD annuity notation formula is thus just the FVOA formula multiplied by (1+periodic interest rate), to add the extra compounding period.
Exhibit 5. Formulas and symbols for calculation future values for a fixed annuity due, in annuity notation.
Annuity Notation Example
Annuity Notation: Fixed Annuity Due Future Value FVAD
How do you find the value of a fixed annuity due (FVAD) at the end of its life, using annuity notation? For the annuity due, payments arrive at period start rather than period end, and formula [ 7 ] above captures the extra compounding cycle with the term (1 + i / q ) to the right of the expression in brackets. Consider now the annuity from the previous example, but now cast as an annuity due: the annuity extends five years, $25 payments are made quarterly, and reinvested at a nominal (annual) interest rate of 8.0% for the remaining life of the annuity. Again, the interest rate per period, i / q, is 8.0% / 4 , or 0.02. That is, ...
i = 8.0% = 0.08
q = 4
n = Yq = (5)(4) = 20
i / q = 2.0% = 0.02
Using formula [ 7 ]
FVAD = PMT [ ( (1 + ( i / q )n – 1 ) / ( i / q ) ] (1 + i / q)
= $25 [ ( ( 1 + 0.02)20 – 1 ) / 0.02 ] (1 + 0.08/ 4 )
= $25 [ (0.485947) / 0.02 ] (1 + 0.02)
= $619.58
comparison of the last two examples shows different FV results due to
payment timing (payments either at period start or end). The annuity due
has a slight larger future value (FVAD) = $619.58 compared to the ordinary annuity future value (FVOA= $607.43).
Variable Annuities Future Value Formulas and Calculations
What is value of a variable annuity at the end of its life? This is the same future value question addressed above for fixed annuities and—in principle—the question is answered with the same kind of cash flow analysis shown above for fixed annuities.
Remember, however, that variable annuities have variable payments from period to period because payment for many of these annuities is tied to investment performance, or market prices for money market funds, bonds, or other securities. For these annuities, future payments cannot be known with certainty. For such variable annuities, It is better not to think of variable annuity payments and future values as forecasts, but rather as target values that will result if investment performance goals are met.
Exhibit 6. Formulas and symbols for calculating variable annuity future values.


text:
Im stocking up on lots of products, including some brand new items so my latest task was to make some signage for my stall which I thought I would share with you....
I wanted to make some bunting with PepperPot written on it. I decided to make something completely different so tried out an idea I've had in mind for a while.
I always enjoy working with felt, so I started by cutting out nine pairs of flags in pink and green felt. I wanted to letters to be cut out of the felt, so I had to make letter templates.
There are of course so wonderful stencils and templates available to buy, but I used foam bath letters to draw card templates for the letters I needed.
Once all the pieces were sewn together I trimmed the flags with pinking shears to finished them off then attached them to some cream bias binding, and here is the finished product:


text:
Facts about Chennai? Yeah! Amazing facts.
Chennai is one of the major metropolitan cities and fourth largest city in India.
You can find a glimpse of C class Benz to flocks of Auto rickshaws sharing the same lane.
You can eat your dinner for Rs. 5000 and at the same time you can see a person having a complete meal for Rs. 50.
Chennai has rich cultural heritage monuments, 7-star hotels, luxury apartments, and much more.
So what?
The city also has greater facilities for transportation.
Yes. You may think all these are common for most of the popular cities.
So, What is so special about Chennai?
Check out these exceptionally wonderful facts about Chennai you may enjoy knowing.
You may also like to read:
- Top 10 Famous Personalities Of Chennai Who Made Chennai Proud
- 10 Best Theme Restaurants in Chennai – Must Visit At Least Once
So how do you feel about Chennai now? Every time when you cross Chepauk stadium, YMCA in Mount Road, SIPCOT in Siruseri, or visit Marina beach, don't you remember this and share with your friends? Yes. You will do.
We would also love to hear from you. Comment some of the amazing facts about Chennai that you know better than this. We would be happy to know.


text: Matt Boggs went to Vex Camp this year for two reasons. "One, I didn't want to waste my summer," the soon-to-be eighth-grader at Schmucker Middle School said. "Two, it's a cool camp." Dozens of area students apparently agree. More than 50 enrolled in the week-long robotics camp at Penn High School. The students used Vex kits that contain tons of tiny metal parts to build robotic vehicles. Then, they put their creations to the test, competing against each other in a remote-controlled game. Brian Kempa said he's done a lot of programming on his home computer and thought programming robots would be interesting. "I've found this camp quite enjoyable," the incoming sixth-grader at Discovery Middle School said. At one of the work tables, hands were flying and eyes were focused as another group of students made a series of frantic, last-minute adjustments to their robot. After mere minutes, one of them picked it up and they all ran back to the competition area. "Whose gonna drive?" someone asked. Jake Morris raised his hand without saying a word. Jenn Grantz, a Penn High School graduate this year, was one of nearly 10 older students who came out to camp to assist. "It's a lot of running around and takes a lot of organization," she said, taking a quick break from her duties. "I love it." Jim Langfeldt, a technology teacher at Penn, is in charge of the camp. On this, the last day, he walked around smiling a lot. Was he scouting out potential talent for his award-winning robotics team at Penn? "Oh boy," he said, scanning the room. "There are a lot of kids who'll fit right in."Staff writer Kim Kilbride: email@example.com (574) 235-6554


text:
The ideal self-contained office space where protection against theft and vandalism is important.
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text:
Join us this Saturday evening (October 2) for a very special community benefit for our neighbors who have been affected by the Fourmile Canyon fire, featuring the Romano Paoletti Band and Spring Creek.
Lyons' own Romano Paoletti opened last year's fall series with an energetic and spirited CD release show of honky-tonkin' folk-country-rock. That debut album, Story of a Lifetime, continues to win critical accolades: Westword marvels at Romano's "formidable yet seemingly effortless abilities as a singer-songwriter," while Scene Magazine raves about "the awesome power of Paoletti's voice, which is clear and intriguing." Once again Romano has assembled an all-star band including Eric Thorin, Sally Van Meter, Todd Moore, Don Ambory, and special guests Jessie Burns (of Gaelic Storm) and Amanda Paoletti.
We kick off the evening with the award-winning bluegrass of Lyons' own Spring Creek, winners of the 2007 RockyGrass and Telluride Bluegrass band contests (watch them live).
Advance tickets are still available for Saturday's very special benefit concert – $15 at shop.bluegrass.com or 303-823-0848. We'll also have tickets at the door beginning at 7pm – cash-only. We'll be serving beer & wine, coffee & tea, and popcorn all night. Doors open at 7pm; Spring Creek goes on at 8pm. Free parking is available right on the Planet Bluegrass Ranch (here's a map). And all proceeds benefit the victims of the Fourmile Canyon Fire.
Thanks to everyone who joined us two weeks ago for the sold-out Mabon Celebration. Bring along some new friends to the Wildflower this Saturday night - forward this email or surprise them with tickets - as we join together for this special community benefit.
Romano Paoletti Band
w/ Spring Creek
October 2
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Planet Bluegrass | 500 West Main | Lyons, CO 80540 | 800-624-2422


text:
- Details
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Apple Lightning Cable Tester is professional iPhone Charging Lightning to USB Tester (original or clone), it is designed to test whether your Lightning cables are original or clone. This USB Cable detector tester is very easy to handle, just simply power it on and plug your cable in without power (USB end disconnected).
Original Apple Charging Lightning to USB Cable Detector Tester
[Optional Design]
Option 1: Advanced version for phone repair shop
Option 2: Mini version
Original Apple Lightning Cable information Reader
Chip ID
Lightning programming function ( still testing, can't working )
Test recorder ( still testing, can't working )
Lightning cable information test
QC/PC Test
Power bank Test ( still testing, can't working )
Setup (Change language)
1: data cable information testing: support Apple data data, charging cable, adapter identification, accurate identification of the original, after the group of original, Taiwan GL2, Taiwan SA2, Taiwan MA2, cottage high imitation and so on. Support MFI authentication original data line and copycat high imitation data Cable, E75, C48, C52, C68E, C68A, C10D, C100, etc.
2: data cable hardware detection:
Over current detection for Lightning data cable wire cores USB and Lightning Connector Contact Case Shield Ground Detection Data line communication lines D+ and D- continuity and protection diode detection
3: Lightning data cable program burning ( can't supported, new software will be released):
Supports NXP A0005, A0006 (iPhone8 solution), Ti company's BQ2025 programming
Supports the burning of C48, E75, C52, C68A, C68E, etc.
4: built-in 2 original Foxconn Lightning female seat, reliability pluggable test.
5: built-in high-capacity battery, compact body, easy to carry
Lightning Cable ID factory Code Reader Detector programmer, Apple data cable Lightning Tester hardware tester with software programming and modification function.
Show: chip ID, Version: ASN: MSN: factory: time: Original: Score: Firmware:


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What plants grow well in allotment shade?
With the sun out on a regular basis over the last few weeks, we've been able to see the intricate patterns of shade and shadow that fall across the allotment and which could make growing sun-worshiping crops troublesome.
The downside of our wonderful, eccentric greenhouse-cum-shed is that it appears to cast a long shadow in the morning and middle of the day over back of the plot.
One of the beds in its partial shadow contains the pitiful remains of last year's strawberry plants, infested with couch grass.
(Or, as a kind neighbour suggested, the remains of last year's bumper crop of couch grass infested with the odd strawberry plant).
The other appears to have been used spring onions and herbs, a few lettuce-like sprigs and some baffling green lumps.
We've sorted out in our minds what's going in the sunny front plot. ]
And the part of the back area, which gets more sun, has been earmarked for fruit.
But the shadier part is up for grabs.
I've been trawling through the books and the net for good plants for shadier beds and come up with a list.
If there's partial shade – and a couple of hours of sun – then green leafy veg seem to do better.
Here's the list:
- Lettuce
- Broccoli
- Swiss Chard
- Parsley
- Cauliflower
- Spinach
- Courgettes/Marrows
- Kale
- Radish
Of course no vegetables grow in total shade. If you're stuck with a permanently dark corner get a fern or two and a water feature.


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Coke machine heist a real fizzer
DRINKS, ANYONE? This was the bizarre sight to greet early-morning walkers and commuters on the Coffs Creek Bridge in Orlando Street yesterday.
A couple of pranksters with seemingly nothing better to do spied the Coke vending machine on the corner of Collingwood and Edgar streets at the Jetty.
The machine – used by workmen who are building apartments at the site – was wheeled away under the cover of darkness into nearby Orlando Street and left on the bridge.
The culprits tried unsuccessfully to break into it but couldn't even grab themselves a drink for their thirsty work.


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And, I'm tired!
I spent four days with my twin 3 year old granddaughters while their mommy is recovering from elective surgery. I'll tell ya, it's tough looking after two lively little girls! I enjoyed myself and will need a couple of days to recuperate!
I was able to work on a couple of stitchery projects while I was there when I had the time and I wasn't ready to fall into bed.
The top one is from Chickadee Hollow Designs. It's pre-colored and all I have to do is add the stitching and embellishments. I bought this one and the Winter one in March from a quilt store in Sacramento. The bottom photo is another pattern from Bird Brain Designs "Home Sweet Home". It's wrinkled as I carried on the plane with me yesterday to work on but was so tired I ended up taking a nap!
I am currently in another ornament of the month club with Shabby Fabrics and have completed the first two ornaments. These are also from Chickadee Hollow Designs.
Instead of putting names in the cuff, I'm stitching Christmas words; hard to see but the first one says Noel and the second one, Joy. There are six and the third one will be arriving this week.
Other than the above, I haven't done much sewing. I seem to be on a stitchery kick.
Happy Spring,


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FEBRUARY 2, 2016 – All vessels must have ECDIS meeting new IHO and IEC standards by a deadline currently set as September of this.
The new generation of the Transas ECDIS is the first system in the market certified by DNV-GL according to the latest IHO and IEC standards and DNV-GL has now issued an official certificate for the Transas Navi-Sailor 4000 ECDIS which successfully passed type-approval in November 2015.
New IHO editions of S-52 and S-64 and new ECDIS testing specification IEC 61174 entered into force in August 2015 and require all vessels to be updated with the new software by the deadline which is currently set as September 2016.
The new standards developed by the IHO and IEC are intended to overcome ECDIS anomalies and are based on the feedback from ECDIS users with an aim to improve safety of navigation and daily work with ECDIS.
Better and clearer display of charted information in combination with less audible alarms will improve the user's experience, reduce stress, alarm fatigue and workload while operating an ECDIS.
Transas CEO, Frank Coles comments: "Maintaining a quality certified ECDIS is critical for the future of the safety of navigation. Transas intends to lead in this respect. Companies should choose their supplier with care or they could find the ECDIS is not compliant going forwards.".
Through the company's fit and function program Transas is ready to upgrade all systems in an easy and cost-effective way. Transas has published a "Guideline to the new ECDIS Standards" that provides detailed information on how to comply with the new requirements.


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the DWU • production history • vital statistics • releases
|Timeline for 1991
1985 • 1986 • 1987 • 1988 • 1989 • 1990 • 1992 • 1993 • 1994 • 1995 • 1996 • 1997
1991 was notable for being the year when three inches of steel protected all of the walls of the Cabinet Room inside 10 Downing Street. (TV: World War Three)
Dated events
On 4 May, Captain Therése Gavalle was found at an airport in Nice, France, taking a flight to Switzerland. She had no memory of what had happened to her since her disappearance in Réunion in 1988. (PROSE: Instruments of Darkness)
In the summer, an eroded Ogri began attacking people along the English coast. It stole the bones of its victims and used them to give itself a humanoid structure. The Seventh Doctor heard of the missing people and came to Blackpool with Ace when a building caught fire near the beach. The Ogri was attracted to the heat from the fire and came out of the ocean. The Doctor had the firefighters dissolve the Ogri with their hoses. He then put the Ogri into a pail and poured it into the fire, killing the Ogri and putting out the fire. (COMIC: Seaside Rendezvous)
On 23 July, Melanie Bush returned to Brighton after travelling with the Doctor and Sabalom Glitz. (PROSE: Missing, Part One: Business as Usual)
Undated events
Aubrey Prior burned down Kenilworth's house. (PROSE: The Sands of Time)
Shaun Brett hired Monica Lewis to aid in building a monument to his deceased father in Alaska. (AUDIO: The Land of the Dead)
Jenny Winterleaf wandered onto Iris Wildthyme's Celestial Omnibus when it was parked in Sunderland. Wildthyme left Earth before Jenny could get out and the two began travelling together. (PROSE: The Dreadful Flap)
George Smithers' wife died of lung cancer. (PROSE: Invasion of the Cat-People)
The Seventh Doctor, Ace and Mel visited Merseyside. (AUDIO: The Blood Furnace)
Behind the scenes
According to a sighting report sent to Whoisdoctorwho.co.uk by someone under the username of "rewboss", the Ninth Doctor visited Wolverhampton in this year and encountered rewboss. [1]


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Frugal Mommas Friday Home Linkup 24 Friday Home Linkup with Frugal Mommas is here! Check out our featured bloggers, terrific articles from the Frugal Mommas Team and link up or find a post on a home topic you need. Get inspiration for home decor, DIY, crafts, recipes, homeschool and more. Thanks for stopping by and joining in the fun. The team at Frugal Mommas is pinning and sharing your posts … [Read more...]
Family Home and Homeschool linkup 11
Frugal Friday Linky 11 - Family Home and Homeschool Frugal Friday Linky 11 - Fall Favorites - come join the fun and link up your posts or find a project or recipe you need for home or homeschool. We are off to a stellar start with this weekly post and share on our group blog. The FM team is Pinning and sharing your links and we are thrilled to get to know you and your blogs better. Don't … [Read more...]
Frugal Mommas Friday Home and Homeschool linky 6
Frugal Mommas Link up 6 Home and Homeschool Thanks for visiting. My sister site - Frugal Mommas & team are coming together each week to share favorite posts. You can share your favorites, or find what you are looking for. Welcome to the new Frugal Friday Home and Homeschool link up! We are off to a stellar start with this weekly post and share on our group blog. The FM team is Pinning and … [Read more...]
Frugal Travel Adventures for Convention Season
*affiliate links present Traveling is one of our favorite ways to explore and learn about the world around us. Homeschool convention season is a great opportunity to visit, work, and enjoy the wonderful Teach Them Diligently conventions. We are also on a budget so that I can stay home and teach our boys, therefore finding ways to save money on the road is critical. Booking the … [Read more...]
Black Friday Home and Homeschool Specials to save big
*affiliate links present These Black Friday Specials for Home and Homeschool have been carefully selected from my favorite resources. I use these products and information to keep our home and homeschool running smoothly on a frugal budget and you can too! I hope you'll enjoy these Home and Homeschool Specials - just as I do. Black Friday Specials for Home Sidetracked Sarah … [Read more...]


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Thrifting has become a little hobby for the hubby and I. My hubby usually sells his finds on eBay but every once in a while we may find some keepers. One thing I love finding are silk scarves like this gorgeous Hermes one. It's a beauty and I just had to showcase it!!! Seriously, who would get rid of this?
I was super excited when I found this scarf but I've been struggling with how to style it.
So far I've worn it tied to my bag, which I love, but would like to incorporate it with my outfits more. Any ideas?
I will be posting more pics of scarf collection so stay tuned! Hope everyone enjoys their week!
Bag: Michael Kors
Scarf: Vintage Hermes (Thrifted)
Thanks for reading!


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Microsoft is planning a Hotmail press event in October that may mark the introduction of a new (and maybe HTML5-based) version of its Web-based e-mail service.
They need to make hotmail as light as possible. It's a heavy deadweight compared to Gmail.
Another update that will no doubt make the whole thing even worse than it is now... Great can't wait.


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Give your clients and visitors the chance to present quotes, negotiate better prizes and, if they remember to, convert them in good sales.
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For a better client satisfaction you can give them the possibility to negotiate or obtain more information about a group of products.
Why would you like this module?
Your clients want to buy in bulk or ask a better price for the products. With this module they'll have the chance to ask for further details about certain products, negotiate about prices and ask for budgets. This advantages could be transformed in orders.
This module will be a step further in the order procedure, very similar to the usual "Add to cart – Send order".
It has different configuration options for que quotes request that will appear on your website.
1.1 - Uploaded


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THERE ARE THREE TYPES OF BIRD BITES: EXPLORATORY BITING, TERRITORIAL BITING, AND FEAR BITING. FIND OUT WHAT THESE THREE TYPES OF BITES MEAN. – Reasons Why Pet Birds Bite
Remember that your pet bird or parrot is an individual with a strong personality and natural instincts. The reasons for biting are numerous. Some of the more common situations are: Has your pet bird ever suddenly bitten you at the approach of another person? This disturbing behavior is like a short circuit in your pet bird's protective instincts. It's called displacement biting, and can even occur among birds themselves.
A parrot, trying to protect its mate, may first nip at the mate to encourage it to fly away to safety, then attempt to drive off an intruder. Encouraging other family members to handle your pet bird and to share responsibility for the pet bird's care may help correct this behavior. Never permit a pet bird prone to displacement biting to sit on your shoulder.
Exploratory Biting – Reasons Why Pet Birds Bite
Many young pet birds have a tendency to be "beaky." They explore with their beaks, sometimes chewing on fingers and other human body parts during these explorations. This can be painful, but it doesn't mean your pet bird doesn't like you. It's just part of being an adolescent bird. Young birds usually outgrow this behavior as they mature and gain confidence.
Sometimes this "beaky" behavior is just the bird's way of testing objects to be sure that they're substantial enough to stand on. Discourage this type of biting by making your pet feel as secure as possible. Remain calm when the bird is climbing around on you. A stern "No!" or substituting a toy for your hand may be sufficient to distract a nippy parrot. If the behavior persists, some cage time may be in order.
Territorial Biting – Reasons Why Pet Birds Bite
Territorial biting sometimes occurs when you put your hand in your bird's cage. Birds are genetically programmed to protect their nests from intruders. Parrots can be quite territorial, especially when their hormones are active during the breeding season.
Peabody, a half-moon conure becomes frenzied — screeching and dive-bombing anyone daring to touch his yellow food dish! His owner keeps several sets of dishes and replaces the empty yellow dish with a full one in a split second.
Avoid territorial bites by taking your bird out of its bird cage before cleaning and replenishing food. It is often preferable to allow the bird to climb out on its own, rather than to put your hand inside to bring the bird out. Socialize with your little buddy in neutral territory, away from the cage. Refrain from making eye contact with a territorial bird as this may be perceived as a sign of aggression.
Teach your pet to step onto a proffered perch when it wants to come out of the cage. Raise the far end of the stick slightly, and the bird will seek the higher altitude, safely out of biting range of your hand or arm. Don't encourage biting by teasing your bird or jabbing fingers through cage bars.
Fear Biting – Reasons Why Pet Birds Bite
Fear of unfamiliar situations or people may precipitate biting. Such scenarios may include taking your pet birds to the vet or groomer, having a crowd of people at your home for the holidays, moving to a new home or even bringing in a new piece of furniture.
Does your bird nip you whenever the family dog enters the room? Is something in its line of vision frightening it? The sight of a kite hung up in power lines more than a block away once spooked my Amazon parrots. I didn't even notice it, but they sure did! Once I lowered the window shade so they could no longer see the flapping kite, they settled down. Get down on your bird's level and look around. You may be surprised at what you notice!
Some birds have been abused in previous homes and biting was their only defense. In his previous home, my red-lored Amazon parrot, Bogart has lured up a flight of stairs and kicked down the steps once he reached the top. Twenty-two years later, Bogart is still nippy, possibly as a result of this maltreatment. He doesn't bite if I handle him when I'm alone, but another person in the room sets him off. He's stick trained, so I just tote him around on a stick when other people are present.
Deal with fear biting by removing the source of the fear when possible, stick training your bird, learning which situations trigger biting episodes and avoiding the beak at those times.
Want to learn more about biting birds?


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Scrapwood Wallpaper 2
Three years after the launch of the original Scrapwood Wallpaper collection Piet Hein Eek has created 'Scrapwood Wallpaper 2'. The new collection consists of 8 designs and is based on the 'scrapwood' furniture collection by Piet Hein Eek. It includes new elements like beams, cross wood and plank sides.
Piet Hein Eek has been creating masterpieces from recycling scraps of wood, sometimes even leaving the paint on, for many years. By merging the handmade with the re-used, he has taken recycling to a master's level, creating iconic wood furniture - chairs, tables, shelving and much more. Each piece is a unique blending of his artistic craftsmanship and design skill.


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NTSPR, LLC. is a private corporation founded with the purpose to represent and develop new Green Technologies, like the Mixed Oxidants and the NanoTech, for the water treatments and other innovative technologies oriented to improve the efficiency, safety and to help the environmental protection. We offer consulting, design, sales, installation, equipment maintenance, processes control and training.
Last Updated (Tuesday, 05 January 2016 23:41)


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The authority is a professional plug emulating sound legendary Hammond B3 organ and Leslie speaker designed by well-known company LinPlug. Great sound and great visuals. Commercial plug that will satisfy the most demanding musicians. A comprehensive pre-m
Synthesizer Sounds great fit as a rhythmic instrument has a number of preset sounds. The intuitive interface allows you to create your own sounds. It has settings such as chorus, filter, tremolo, distortion, etc..
The Earth is under attack by vicious aliens that are intent on annihilating the planet?and all its inhabitants! There's only one man with the strength and courage to stand up to this threat and save the world from total destruction: Jon Steadman. You take
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Pizza was originally created in Naples, Italy (no wonder I love it so
much, I'm Napolitano!) and has clearly left its mark. Pizza can be found on pretty much every street corner. When I was in Ischia (an island off the coast of Naples) my mother and I had pizza pretty much every night for dinner. We had classic Neapolitan pizza marinara which is made with tomato, garlic, oregano and extra virgin olive oil, Pizza Margherita made with tomato, mozzarella, bail and olive oil and so many different kinds, if I told you all of them, we would be here all day!
My Pizza Bianco is made with a nice, chewy whole wheat crust and is topped with ricotta, garlic, olive oil, crushed red pepper and Italian parsley. If you're looking to switch things up, it's a nice change from a classic red gravy pizza. By gravy, I mean sauce. I'm Italian, we call it gravy. The pizza dough is prepared first, then your roasted garlic oil and finally your ricotta mix. The garlic oil is drizzled on when the pie is finished and fresh out of the oven.
I know it seems so easy to pick up a phone and just get a pizza delivered, but it is SO much more fun to make homemade pizza and it's so satisfying!! Enjoy!
Whole Wheat Pizza Dough
1 packet of yeast
¼ cup warm water
1 tablespoon honey
3 ¾ cups whole wheat flour
1 cup of cool water
1 tablespoon olive oil
¼ teaspoon of salt
In a small bowl, dissolve yeast in ¼ cup warm water. Add the honey and let it sit for five minutes until foamy.
Put the flour in a food processor (make sure it has a stainless-steel blade.) Mix the 1 cup of cool water with the olive oil and salt. While the food processor is on, add the olive oil mix and the yeast. Mix until it is formed a ball.
Put the dough in an oiled bowl and cover with plastic wrap and let it rise. Move the dough to a lightly floured surface and knead dough for a minute or so. Roll or stretch your dough onto an oiled pizza pan (or if you're like me, I like square pizza and use a cookie sheet!)
Roasted Garlic Oil
3 cloves of garlic (chopped)
½ cup olive oil
Prepare a small pan over medium heat with ½ cup of olive oil and add your chopped garlic. Let it cook until the garlic is roasted and slightly browned, but not burnt!! Turn off the heat and let it sit while you make the ricotta mix.
Ricotta Mix
16 ounces of ricotta
¼ teaspoon salt
¼ teaspoon pepper
¼ teaspoon crushed red pepper
Parsley (chopped and quanto basta!)
Preheat your oven to 450 degrees. In a medium size bowl, thoroughly mix your ricotta with salt, pepper, crushed red pepper and parsley.
Now that you have everything set, spread the ricotta mix all over the pizza and put in the oven for at least 20 minutes or bake until the crust is crisp and browned. Everyone's oven is different, so just make sure you don't burn the pizza! Transfer to a cutting board and drizzle with the roasted garlic oil and let it sit for five minutes before cutting and serving. Buon Appetito!!


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Mallorca Gaudí I (ref: B33426)
Luxury apartment for up to 10 people with air conditioning close to Sagrada Familia
- Floor: 1st Floor
- Square metres: 105 m²
- Up to: 10 people
- Beds:
- 1 living + dining room
- 1 double bedroom
- 3twin bedrooms
- 1 bathroom with bathtub
- 1 bathroom with shower
- Distance to center: 2.0 Km
The manager
Events nearby
Sagrada Familia Christmas Market Nov 29 - Dec 23
We offer you...
- Payment protection
- Lowest price guarantee.
- Transparency, with no additional costs.
- Emergency phone 24h / 365 days
- Office in central Barcelona
- More than 10 years of experience.
Description and details
- 4 single beds
- 1 double bed
- 1 bunk bed (2 beds)
- 1 double sofa bed
- Cot
Bathroom and Laundry
- Bedlinen
- Towels
- Washing machine
- Tumble dryer
- Iron
- Ironing board
- Hairdryer
- Elevator
- Air conditioning
- Central heating
- Internet WiFi
- Portable heaters
- TV: Only national channels
- Stereo
- Reception - caretaker
- City views
- Dishes and kitchenware
- Dishwasher
- Refrigerator
- Freezer
- Oven
- Microwave
- Toaster
- Kettle
- Coffee maker
Area: Sagrada Familia
- Sagrada Família: 150 m
Sagrada Familia
260 m
Museu del Disseny
780 m
Mercat dels Encants
830 m
Sant Pau
920 m
Teatre Nacional
(Building / Construction)
940 m
Torre Agbar
(Building / Construction)
1080 m
Show more
View prices and book online
House rules:
Pets Not allowed , Smoking: Not allowed
Age restriction: The reservation holder must be at least 18 years old.
Included in price: Air conditioning, Internet WiFi, Bedlinen, Towels.
Extras: Cot: 30 € per stay .
Form of payment upon arrival: Cash.
Upon receiving the apartment keys you will be asked to pay a deposit of € 300.
Payment method: Cash or Credit card. Refund: Last day in the accommodation.
Tourist Tax:
A tourism tax of 2.48 per person per night is not included in the price. Children aged 16 years or less are exempt. The tax is applicable up to 7 nights. The contact person takes the responsibility to collect and pay this tax.
Check-in and Check-out:
Arrivals from 13:00 h. Early arrivals under request (if apartment is unoccupied). Arrivals after 20:00h have an additional charge of 30 €. Arrivals after 00:00h have an additional charge is €50. Keys will be delivered in the property.
Departures until 11:00 h. Early departures have no extra charge. Late departures under request (if no guests are expected). Late departures have a supplement of 30 €.
Have a question to ask before booking?
Prices change with the number of people and the seasons. Please, introduce the dates of your stay and the number of people to get the exact and final price.
In order to be able to offer economic rentals, we only accept reservations that start within 12 days of another booking.
Mallorca Gaudí I can be reserved only if the booking start date is between 22 Oct 2018 - 03 Nov 2018
Upon clicking accept we will show you a list of available apartments.
Upon clicking accept we will show you a list of available apartments.


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There are plenty of online resources available to download.
Just Talk - Tackling stigma, and making mental health relevant for teenage boys, Hertfordshire's Just Talk campaign launched in January 2018. There are all kinds of resources here.
DEAL (Developing Emotional Awareness and Listening) is a free resource for teachers and other educational professionals designed to help develop resilience in young people. Lesson plans, activities, hand-outs, audio-visual resources, teachers' notes and staff training materials can all be accessed and downloaded at any time from Samaritans website. DEAL is ideal for students aged 14 and over, inclusive of all abilities and learning styles.
Rise Above - lesson plans and resources from Public Health England on a range of topics, including exam stress, body image in a digital world and online stress here.
PSHE Association has guidance on preparing to teach about mental health and emotional wellbeing and lesson plans and resources for Key Stages 1-4 here.
The Anna Freud Centre for Children and Families has produced a booklet to support all school staff, 'Supporting mental health and wellbeing in schools' and has a campaign called 'You're never too young to talk mental health' aimed at primary school staff, with downloadable resources, lesson plans and animations, here.
Stress bucket activity - download a worksheet that enables you to support young people in thinking about and managing the stresses in their life here.
Time to Change has some great lesson plans with printable materials to help you talk to young people about mental health here.
The Five ways to wellbeing is a useful tool to manage emotional wellbeing. The Five ways to wellbeing toolkit is here.
BBC Radio 1's My Mind and Me aims to get young people talking about emotional wellbeing and mental health; to reduce stigma and raise awareness and understanding of mental health issues that affect young people. There are already some good celebrity interviews and advice on the BBC's My Mind and Me webpages to go through with pupils during assemblies or Personal, Social and Health Education (PSHE) lessons and a series of special reports and documentaries for young people.
Our Leading Mental Health in Schools newsletter features latest developments.
There's an exam stress workshop for parents here and presentations about anxiety here.
Action for Happiness has created the Keys to Happier Living Toolkit - an engaging, accessible and evidence-based programme to promote the emotional wellbeing and resilience of children aged 7-11, with free downloadable resources.
Be Kind Campaign - ITV's This Morning launched the Be Kind Campaign to offer advice and anti-bullying messages following powerful interviews focused on bullying and the experiences faced by children and their families. Download the Be Kind teachers' pack here.
School governors - advice from the National Governors' Association about promoting wellbeing in schools.