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Self-Regulatory Organizations; American Stock Exchange LLC; Notice of Filing of Amendment No. 1 and Order Granting Accelerated Approval of Proposed Rule Change as Modified by Amendment No. 1 Relating to an Exchange Member's Conduct in Doing Business With the Public, 25805-25809 [E8-10019]Download as PDF
[Federal Register Volume 73, Number 89 (Wednesday, May 7, 2008)] [Notices] [Pages 25805-25809] From the Federal Register Online via the Government Printing Office [www.gpo.gov] [FR Doc No: E8-10019] ----------------------------------------------------------------------- SECURITIES AND EXCHANGE COMMISSION [Release No. 34-57738; File No. SR-Amex-2007-129] Self-Regulatory Organizations; American Stock Exchange LLC; Notice of Filing of Amendment No. 1 and Order Granting Accelerated Approval of Proposed Rule Change as Modified by Amendment No. 1 Relating to an Exchange Member's Conduct in Doing Business With the Public April 29, 2008. I. Introduction Pursuant to Section 19(b)(1) of the Securities Exchange Act of 1934 (``Act'')\1\, as amended, and Rule 19b-4 thereunder,\2\ on November 29, 2007, the American Stock Exchange LLC (``Amex'' or ``Exchange'') filed with the Securities and Exchange Commission (``Commission'') the proposed rule change relating to the Exchange's rules governing doing business with the public. On March 19, 2008, the Commission issued a release noticing the proposed rule change, which was published for comment in the Federal Register on March 25, 2008.\3\ The comment period expired on April 15, 2008. The Commission did not receive any comment letters in response to the proposed rule change. On April 17, [[Page 25806]] 2008, the Exchange filed Amendment No. 1 to make a technical edit to the proposed rule change.\4\ This order provides notice of the proposed rule change, as modified by Amendment No. 1, and approves the proposed rule change as amended on an accelerated basis. --------------------------------------------------------------------------- \1\ 15 U.S.C. 78s(b)(1). \2\ 17 CFR 240.19b-4. \3\ See Securities Exchange Act Release No. 57527 (Mar. 19, 2008), 73 FR 15810 (Mar. 25, 2008). \4\ Amendment No. 1 corrects an internal cross-reference and does not contain any substantive modifications to the rule text. --------------------------------------------------------------------------- II. Description of Amex Proposal Amex proposes to amend certain Amex Rules that govern an Exchange member's conduct in doing business with the public. Specifically, the proposed rule change would require member organizations (also referred to as ``member firms'' or ``firms'') to integrate the responsibility for supervision of their public customer options business into their overall supervisory and compliance programs. In addition, the proposal would require member firms to strengthen their supervisory procedures and internal controls as related to their public customer options business. A. Integration of Options Supervision The purpose of the proposed rule change is to create a supervisory structure for options that is similar to that required by New York Stock Exchange, LLC (``NYSE) Rule 342 and National Association of Securities Dealers, Inc. (``NASD'') Rule 3010.\5\ The proposed rule change would also conform Amex rules to those of the Chicago Board of Options Exchange (``CBOE'') by eliminating the requirement that a member firm, qualified to do a public customer business in options, designate a single person to act as a Senior Registered Options Principal (``SROP'') for the member organization and that each such member organization designate a specific individual as a Compliance Registered Options Principal (``CROP'').\6\ The Exchange proposes to eliminate the SROP and CROP supervisory categories, allowing member firms to supervise their options activities through their overall supervisory and compliance programs that monitor all other securities products. --------------------------------------------------------------------------- \5\ On July 26, 2007, the Commission approved a proposed rule change filed by NASD to amend NASD's Certificate of Incorporation to reflect its name change to Financial Industry Regulatory Authority, Inc., or FINRA, in connection with the consolidation of the member firm regulatory functions of NASD and NYSE Regulation, Inc. See Securities Exchange Act Release No. 56146 (July 26, 2007), 72 FR 42190 (Aug. 1, 2007). The FINRA rule book currently consists of both NASD rules and certain NYSE rules that FINRA has incorporated. \6\ See Securities Exchange Act Release No. 56492 (Sept. 21, 2007), 72 FR 54952 (Sept. 27, 2007) (SR-CBOE-2007-106). --------------------------------------------------------------------------- The SROP concept was first introduced during the early years of development of the listed options market. Previously under Amex rules, member firms were required to designate one or more persons qualified as Registered Options Principals (``ROPs'') to have supervisory responsibilities with respect to the firms' options business. As the number of ROPs at larger firms began to increase, the Amex imposed an additional requirement that member firms designate one of their ROPs as the SROP. This was intended to eliminate confusion as to where the compliance and supervisory responsibilities lay by centralizing in a single supervisory officer overall responsibility for the supervision of a firms options activities.\7\ Subsequently, following the recommendation of the Special Study of the Options Market,\8\ the Amex and the other options exchanges required firms to designate a CROP to be responsible for each firm's overall compliance program with respect to its options activities. The CROP could be the same person designated as a SROP, but while the CROP generally was not permitted to have sales functions in the firm, whereas the SROP was not so restricted. --------------------------------------------------------------------------- \7\ Report of the Special Study of the Options Market, p. 316 note 11 (Dec. 22, 1978). \8\ Id. at 335. --------------------------------------------------------------------------- Since the SROP and CROP requirements were first imposed, the supervisory function with respect to options activities of most securities firms has been integrated into their supervisory function for securities activities overall. This not only reflects the maturity of the options market, but also recognizes the ways in which the uses of options themselves have become more integrated with other securities in the implementation of particular strategies. By permitting supervision of a firm's options activities to be handled in the same manner as the supervision of its securities and futures activities, the proposed rule change would ensure that supervisory responsibility over each segment of a firm's business is assigned to the best qualified persons in the firm, thereby enhancing the overall quality of supervision and compliance. The proposed rule change would allow firms the flexibility to assign such supervisory and compliance responsibilities, which formerly resided with the SROP and/or CROP, to more than one individual. For example, the proposed rule change would permit a member firm to designate certain ROPs to be responsible for a variety of supervisory compliance functions such as approving acceptance of discretionary accounts,\9\ approving communications to customers,\10\ and allowing exceptions to a member firm's suitability standards for trading uncovered short options.\11\ A firm would be likely to do this in instances where the firm believes it advantageous to do so to enhance its supervisory or compliance structure. Typically, a firm may also wish to divide these functions on the basis of geographic region or functional considerations. Amex Rule 920 would be amended to clarify the qualification requirements of individuals designated as ROPs and also to specify the registration requirements of individuals who accept orders from non-broker-dealer customers. --------------------------------------------------------------------------- \9\ See proposed Amex Rule 924(a) and Commentary .05 to Rule 920. \10\ See proposed Amex Rule 991(b). \11\ See proposed Amex Rule 921(g)(3). --------------------------------------------------------------------------- With respect to discretionary accounts, the proposal would require acceptance of such accounts to be assigned to individuals who are qualified ROPs.\12\ Further, the proposal would require that the individual who reviews the acceptance of a discretionary account (who is an individual other than the ROP who accepted the account as required by Amex Rule 924(a)) to be Series 4 qualified because such a review is not a routine sales supervisory function and requires more in-depth knowledge of options than that covered by the Series 9/10 examination.\13\ The proposed rule change would eliminate the requirement that discretionary options orders be approved on the day of entry by a ROP (with one exception as discussed below) because such requirement is not consistent with the use of supervisory tools in computerized format or exception reports generated after the close of trading day. No similar requirement exists for supervision of other securities accounts that are handled on a discretionary basis.\14\ Discretionary orders would be required to be reviewed in accordance with a firm's written supervisory procedures. Amex believes that the proposed rule change would ensure that supervisory responsibilities are assigned to specific qualified individuals, thereby enhancing the quality of supervision. --------------------------------------------------------------------------- \12\ See proposed Amex Rule 924(a) and Commentary .04 to Rule 920. \13\ See supra note 9. \14\ See, e.g., NYSE Rule 408. --------------------------------------------------------------------------- The proposed rule change would revise Amex Rule 924 by adding as Commentary .01, a requirement that any firm that does not utilize computerized surveillance tools for the frequent and [[Page 25807]] appropriate review of discretionary account activity must establish and implement procedures to require ROP-qualified individuals (``Qualified Individuals'') who have been designated to review discretionary accounts to approve and initial each discretionary order on the day entered. The Exchange believes that any firm that does not utilize computerized surveillance tools to monitor discretionary account activity should continue to be required to perform the daily manual review of discretionary orders. Under the proposed rule change, firms would continue to be required to designate Qualified Individuals to provide frequent appropriate supervisory review of options discretionary accounts.\15\ Qualified Individuals would review the accounts to determine whether the ROP accepting the account had a reasonable basis for believing that the customer was able to understand and bear the risks of the proposed strategies or transactions. This requirement would provide an additional level of supervisory audit over options discretionary accounts that does not exist for other securities discretionary accounts. --------------------------------------------------------------------------- \15\ See proposed Amex Rule 924(a). --------------------------------------------------------------------------- In addition, the proposed change to Amex Rule 922 would require that each member organization provide for the preparation and submission of a written annual report to one or more of its control persons or, if the firm has no control person, to the audit committee of its board of directors or its equivalent group (collectively referred to as, ``Control Person''). The firm would be required to submit the report to the Exchange and to its Control Person by April 1st of each year. The firm would be required to detail in the report its supervision and compliance effort, including its options compliance program, during the preceding year and the adequacy of its ongoing compliance processes and procedures.\16\ --------------------------------------------------------------------------- \16\ See proposed Amex Rules 922(g) and 922(h), which are modeled after NYSE Rules 342.30 and 354, respectively. --------------------------------------------------------------------------- Proposed Amex Rule 922(g) would further provide that a member organization that specifically includes its options compliance program in a report that complies with substantially similar NYSE and NASD rules will be deemed to have satisfied the requirements of Amex Rules 922(g) and 922(h). Where appropriate, the proposed rule changes would delete references to SROP and CROP in Amex Rules 421, 920, 921, 922, 924 and 991. Although the proposed rule change would eliminate entirely the positions and titles of SROP and CROP, firms would still be required to designate a single general partner or executive officer to assume overall authority and responsibility for internal supervision, control of the organization and compliance with securities laws and regulations.\17\ A firm would also be required to designate specific qualified individuals as having supervisory or compliance responsibilities over each aspect of the firm's options activities and to set forth the names and titles of these individuals in its written supervisory procedures.\18\ --------------------------------------------------------------------------- \17\ See proposed Amex Rule 922(a). \18\ See proposed Amex Rule 922(a). --------------------------------------------------------------------------- The Exchange is a party to an options sales practice compliance plan, amended on March 26, 2007, entered into pursuant to Section 17(d) of the Act and Rule 17d-2, promulgated thereunder.\19\ For Exchange members that are also FINRA members, the amended plan allocates responsibility for examination and enforcement of members' compliance with options sales practice rules primarily to FINRA (the ``Options 17d-2 Plan''). For non-FINRA members, the Options 17d-2 Plan provides that the exchange which is the Designated Examining Authority (``DEA'') pursuant to Rule 17d-1 under the Act, shall perform the regulatory responsibilities designated to it in the Options 17d-2 Plan. Under these provisions the Amex currently has responsibility for examination and enforcement of options sales practice rules as to three members (one of which is a dual member of the Philadelphia Stock Exchange and Amex and two Amex only members). FINRA will be primarily responsible for options sales practice examination and enforcement as to other dual members. In connection with the approval of these proposed changes, the Exchange intends to closely review written supervisory and compliance procedures of firms, for which it is the DEA, in the course of its routine examinations of member firms to ensure that supervisory and compliance responsibilities are adequately defined. --------------------------------------------------------------------------- \19\ Securities Exchange Act Release No. 55532 (Mar. 26, 2007), 72 FR 15729 (Apr. 2, 2007). --------------------------------------------------------------------------- The Exchange believes the proposed rule changes will increase accountability and eliminate impractical and unrealistic supervisory standards applicable solely to listed options. The Exchange believes that the proposed rule changes are appropriate and will not materially alter the supervisory operations of firms. B. Supervisory Procedures and Internal Controls The Exchange also proposes to amend certain rules to strengthen member firms' supervisory procedures and internal controls relating to their public customer options business. The proposed rule changes discussed below are modeled after NYSE and NASD rules approved by the Commission in 2004.\20\ The Exchange believes this proposal is appropriate and consistent with the proposal discussed above to integrate the responsibility for supervision of a member firm's public customer options business into its overall supervisory and compliance program. --------------------------------------------------------------------------- \20\ See Securities Exchange Act Release Nos. 49882 (June 17, 2004), 69 FR 35108 (June 23, 2004) (SR-NYSE-2002-36) (approval order), 49883 (June 17, 2004), 69 FR 35092 (June 23, 2004) (SR-NASD- 2002-162) (approval order). --------------------------------------------------------------------------- The proposed revisions to Amex Rule 922(a)(3) would require member firms to develop and implement written policies and procedures reasonably designed to supervise sales managers and other supervisory personnel who service customer options accounts.\21\ This would encompass branch office managers, sales managers, regional/district sales managers, or any person performing a similar supervisory function. Such policies and procedures are expected to encompass all options sales-related activities. Proposed Amex Rule 922(a)(3)(i) would require that supervisory reviews of producing sales managers be conducted by a qualified ROP who is either senior to, or otherwise ``independent of'', the producing manager under review.\22\ This provision is intended to ensure that all options sales activity of a producing manager is monitored for compliance with applicable regulatory requirements by persons who do not have a personal interest in such activity. --------------------------------------------------------------------------- \21\ Proposed Amex Rule 922(a)(3) is modeled after NYSE Rule 342.19. \22\ An ``otherwise independent'' person is defined in proposed Amex Rule 922(a)(3)(i). --------------------------------------------------------------------------- Proposed Amex Rule 922(a)(3)(ii) would provide an exception for firms so limited in size and resources that there is no qualified person senior to, or otherwise independent of, the producing manager to conduct the review. In this situation, the review would be conducted by a qualified ROP to the extent practicable. Under proposed Amex Rule 922(a)(3)(iii), a member relying on the limited size and resources exception must document the factors used to determine that compliance with each of the ``senior'' or ``otherwise independent'' standards of proposed Amex Rule 922(a)(3)(i) is not [[Page 25808]] possible, and that the required supervisory systems and procedures in place with respect to any producing manager comply with the provisions of proposed Amex Rule 922(a)(3)(i) to the extent practicable.\23\ --------------------------------------------------------------------------- \23\ Proposed Amex Rule 922(a)(3)(iv) would provide that a member organization that complies with the NYSE or NASD rules that are substantially similar to the requirements in Rules 922(a)(3)(i), (a)(3)(ii) and (a)(3)(iii) will be deemed to have met such requirements. --------------------------------------------------------------------------- Proposed Amex Rule 922(c)(i) would require member organizations to develop and maintain adequate controls over each of their business activities. The proposed rule would require such controls to include the establishment of procedures to independently verify and test the supervisory systems and procedures for those business activities. A firm would be required to include in the annual report prepared pursuant to proposed Amex Rule 922(g), a review of the firm's efforts in this regard, including a summary of the tests conducted and significant exceptions identified. The Exchange believes proposed Amex Rule 922(c)(i) would enhance the overall quality of each member organization's supervision and compliance function.\24\ --------------------------------------------------------------------------- \24\ Proposed Amex Rule 922(c)(i) is modeled after NYSE Rule 342.23. Paragraph (c)(ii) of proposed Amex Rule 922 would provide that a member organization that complies with NYSE or NASD rules that are substantially similar to the requirements in paragraph (c)(i) of proposed Amex Rule 922 will be deemed to have met such requirements. --------------------------------------------------------------------------- Paragraph (d) of proposed Amex Rule 922 would establish requirements for branch office inspections similar to the requirements of NYSE Rule 342.24. Specifically Amex Rule 922(d) would require a member organization to inspect, at least annually, each supervisory branch office and inspect each non-supervisory branch office at least once every three years.\25\ The proposed rule would further require persons who conduct a firm's annual branch office inspection to be independent of the direct supervision or control of the branch office (i.e., not the branch office manager, or any person who directly or indirectly reports to such manager, or any person to whom such manager directly reports). The Exchange believes that requiring branch office inspections to be conducted by someone who has no significant financial interest in the success of a branch office should lead to more objective and vigorous inspections. --------------------------------------------------------------------------- \25\ Proposed Amex Rules 922(d)(1)(i) and (ii) would provide members with two exceptions from the annual supervisory branch office inspection requirement. --------------------------------------------------------------------------- Under proposed Amex Rule 922(e), any firm seeking an exemption, pursuant to Rule 922(d)(1)(ii), from the annual branch office inspection requirement would be required to submit to the Exchange written policies and procedures for systematic risk-based surveillance of its branch offices, as defined in Rule 922(e). Proposed Amex Rule 922(f) would require the annual branch office inspection programs to include, at a minimum, testing and verification of specified internal controls.\26\ Proposed Amex Rule 922(d)(3) would provide that a firm that complies with the requirements of NASD or the NYSE that are substantially similar to the requirements of Rules 922(d), (e) and (f) will be deemed to have met such requirements. The Exchange also proposes to amend Commentary .04 of Amex Rule 922 to define ``branch office'' in a way that is substantially similar to the definition of branch office in NYSE Rule 342.10. --------------------------------------------------------------------------- \26\ Proposed Rules 922(e) and (f) are modeled after NYSE Rules 342.25 and 342.26, respectively. --------------------------------------------------------------------------- Proposed Amex Rule 922(g)(4) would require a firm to designate a Chief Compliance Officer (CCO). Proposed Rule 922(g)(5) would require each firm's Chief Executive Officer (CEO), or equivalent, to certify annually that the member organization has in place processes to (1) Establish and maintain policies and procedures reasonably designed to achieve compliance with applicable Exchange rules and federal securities laws and regulations, (2) modify such policies and procedures as business, regulatory, and legislative changes and events dictate, and (3) test the effectiveness of such policies and procedures on a regular basis, the timing of which is reasonably designed to ensure continuing compliance with Exchange rules and federal securities laws and regulations. Proposed Amex Rule 922(g)(5) would also require the CEO to attest (1) that he or she has conducted one or more meetings with the CCO in the preceding 12 months to discuss the compliance processes in proposed Rule 922(g)(5)(i), (2) that he or she has consulted with the CCO and other officers to the extent necessary to attest to the statements in the certification, and (3) that the compliance processes are evidenced in a report, reviewed by the CEO, CCO and such other officers as the member firm deems necessary to make the certification, that is provided to the member firm's board of directors and audit committee (if such committee exists).\27\ --------------------------------------------------------------------------- \27\ Proposed Amex Rule 922(g)(5) is modeled after NASD Rule 3013 and NYSE Rule 342.30(e). --------------------------------------------------------------------------- Under proposed Amex Rule 922(b)(2), a member, upon a customer's written instructions, may hold mail for a customer who will not be at his or her usual address for no longer than two months if the customer is on vacation or traveling, or three months if the customer is going abroad. This provision would help ensure that members that hold mail for customers who are away from their usual addresses do so only pursuant to the customer's written instructions and for a specified, relatively short period of time.\28\ --------------------------------------------------------------------------- \28\ Proposed Amex Rule 922(b)(2) is modeled after NASD Rule 3110(i). --------------------------------------------------------------------------- Proposed Amex Rule 922(b)(3) would require that before a customer options order is executed, the account name or designation to be placed upon the memorandum for each transaction. Only a Qualified Individual would be permitted to approve any changes in account names or designations. The ROP would be required to document the essential facts relied upon in approving the changes and maintain the record in an easily accessible place. A member would be required to preserve any documentation which provides for an account designation change for a period of not less than three years, with the documentation preserved for the first two years in an easily accessible place, as the term ``easily accessible place'' is used in Rule 17a-4 of the Act.\29\ The Exchange believes the proposed rule would help to protect account name and designation information from possible fraudulent activity.\30\ --------------------------------------------------------------------------- \29\ 17 CFR 240.17a-4. \30\ Proposed Amex Rule 922(b)(3) is modeled after NASD 3110(j). --------------------------------------------------------------------------- Amex Rule 924(d) allows firms to exercise time and price discretion on orders for the purchase or sale of a definite number of options contracts in a specified security. The Exchange proposes to amend Amex Rule 924(d) to limit the duration of this discretionary authority to the day it is granted, absent written authorization to the contrary. The proposed rule would require any exercise of time and price discretion to be reflected on the customer order ticket. The proposed one-day limitation would not apply to time and price discretion exercised for orders effected with or for an institutional account (as defined in Rule 924(d)) pursuant to valid Good-Till-Cancelled instructions issued on a ``not held'' basis. The Exchange believes that investors will receive greater protection by clarifying the time such discretionary orders remain pending.\31\ --------------------------------------------------------------------------- \31\ Proposed Amex Rule 924(d) is modeled after NASD Rule 2510(d)(1). --------------------------------------------------------------------------- [[Page 25809]] III. Discussion and Commission Findings After careful review, the Commission finds that the proposed rule change, as amended, is consistent with the requirements of the Act and the rules and regulations thereunder.\32\ In particular, the Commission finds the proposed rule change, as amended, would integrate the supervision and compliance functions relating to member organizations' public customer options activities into the overall supervisory structure of a member organization, thereby eliminating any uncertainty over where supervisory responsibility lies. In addition, the proposed rule change would foster the strengthening of members' and member organizations' internal controls and supervisory systems. As such, the Commission finds the proposal to be consistent with the objectives of Section 6(b)(5) of the Act,\33\ in that it is designed to promote just and equitable principles of trade, to prevent fraudulent and manipulative acts and practices, and in general, to protect investors and the public interest. --------------------------------------------------------------------------- \32\ In approving this rule change, as amended, the Commission notes that it has considered the proposed rule's impact on efficiency, competition, and capital formation. See 15 U.S.C. 78c(f). \33\ 15 U.S.C. 78f(b)(5). --------------------------------------------------------------------------- The Commission also finds good cause for approving Amendment No.1 to the proposed rule change prior to the 30th day after its publication in the Federal Register. Amendment No. 1 corrects an internal cross- reference and does not contain any substantive modifications to the rule text. The Commission finds that it is in the public interest to approve the proposed rule change as soon as possible to expedite its implementation. Accordingly, the Commission believes good cause exists, consistent with Sections 6(b)(5) and 19(b) of the Act to approve Amendment No. 1 to the proposed rule change on an accelerated basis. IV. Solicitation of Comments Concerning Amendment No. 1 Interested persons are invited to submit written data, views, and arguments concerning Amendment No. 1, including whether Amendment No. 1 is consistent with the Act. Comments may be submitted by any of the following methods: Electronic comments
Use the Commission's Internet comment form http:// www.sec.gov/rules/sro.shtml); or Send an e-mail to firstname.lastname@example.com. Please include File Number SR-Amex-2007-129 on the subject line. Paper comments Send paper comments in triplicate to Nancy M. Morris, Secretary, Securities and Exchange Commission, 100 F Street, NE., Washington, DC 20549-1090. All submissions should refer to File Number SR-Amex-2007-129. This file number should be included on the subject line if e-mail is used. To help the Commission process and review your comments more efficiently, please use only one method. The Commission will post all comments on the Commission's Internet Web site (http://www.sec.gov/ rules/sro.shtml). Copies of the submission, all subsequent amendments, all written statements with respect to the proposed rule change that are filed with the Commission, and all written communications relating to the proposed rule change between the Commission and any person, other than those that may be withheld from the public in accordance with the provisions of 5 U.S.C. 552, will be available for inspection and copying in the Commission's Public Reference Room, 100 F Street, NE., Washington, DC 20549 on official business days between the hours of 10 a.m. and 3 p.m. Copies of such filing also will be available for inspection and copying at the principal office of the Exchange. All comments received will be posted without change; the Commission does not edit personal identifying information from submissions. You should submit only information that you wish to make available publicly. All submissions should refer to File Number SR-Amex-2007-129 and should be submitted on or before May 28, 2008. V. Conclusion It is therefore ordered, pursuant to Section 19(b)(2) of the Act,\34\ that the proposed rule change (SR-Amex-2007-129), as amended by Amendment No. 1, be, and hereby is, approved on an accelerated basis. --------------------------------------------------------------------------- \34\ 15 U.S.C. 78s(b)(2). For the Commission, by the Division of Trading and Markets, pursuant to delegated authority.\35\ --------------------------------------------------------------------------- \35\ 17 CFR 200.30-3(a)(12). --------------------------------------------------------------------------- Florence E. Harmon, Deputy Secretary. [FR Doc. E8-10019 Filed 5-6-08; 8:45 am] BILLING CODE 8010-01-P

subset: commoncrawl


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Is crop diversity the future of Australian agriculture?
Timothy Reeves of the University of Melbourne discusses why there's a real opportunity to grow a wider range of crops and build a more sustainable Australian agriculture model.
The smart thinking turning agri-waste into dollars
Australia's agricultural sector generates mountains of waste each year, but new research programs aim to help farmers turn a profit on unwanted produce.
NAB Agribusiness Banker Survey Q1 2019
National agribusiness confidence rises despite tough conditions.
Australian agricultural exports 2019: State of play
We examine the last decade in Australian agricultural exports and what's projected to come.


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First of all, for spanking there needs to be consent. So it took me quite some time to figure out, but I really need a man to lead me. Most men in my life before meeting mark would not do this, however. At best, it was a split.
Recently there was an entry on a web forum from someone who suggested that general interest in spanking and any form of BDSM or SBF only emerged, maybe in the s, but probably did not get going until the permissive society in the s. Now it is certainly probable that until the 20th century it was not considered a valid form sexuality, but sexual interest in flagellation, as it was known, has a long history. Although in times past it may well have been disguised and dressed up as something considered more wholesome for its age. In ancient Egypt, for instance it was forbidden to whip your wife on her breasts unless she deserved it.
Moral excellence is concerned with pleasures and pains: it is on account of the pleasure that we do bad things, and on account of the pain that we abstain from noble ones. Hence we ought to have been brought up in a particular way from our very youth, as Plato says, so as both to delight in and to be pained by the things that we ought; for this is the right education. Spanking, or corporal punishment CPmay be on the road to becoming an endangered species, and there are people across the political and religious spectrums who will be saying good riddance. Until thirty years ago, CP was nearly universally used by parents on toddlers and was utilized somewhat less with children and adolescents. Despite its popularity among parents and teachers as a child, I recall having a different take on the matter CP has been banned in schools by legislation in twenty-six states, up from nine states inand a mere handful of states in
2019 © plcscadatraining.info. All Rigths Reserved. All models were 0ver 18 y.o.


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HARD TO HANDLE BAND recently performed at the civil partnership ceremony of Tom and Duncan. Tom very kindly wrote to tell us: "Both Duncan and myself would like to thank the band for a perfect evening! The band sounded fantastic, exactly what we were hoping for. Many of our guests commented on how good Hard…[Click The Title to Read More…]
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GUARANTY Trust Bank Plc has announced the introduction of its new loyalty scheme exclusively for holders of its credit card. According to the bank, the loyalty scheme is developed in partnership with Avios, a leading global travel rewards company. The bank said the initiative was part of its overall strategy to bring the best in card products to its customers.
The bank also said it would reward its international credit cardholders who are also members of the British Airways Executive Club Programme, for using the card to pay for purchases through point of sales terminals. Segun Agbaje, managing director, GTBank, said with the new GTBank credit card loyalty scheme, every card holder will collect one Avios for every $2 spent on the card. According to him, the cardholder can use Avios for flights worldwide with British Airways and Oneworld airline partners.
Agbaje, said that the bank believes that it is important to anticipate customers' desires and tailor the most rewarding experiences for them. "The collaboration with Avios to introduce rewards on credit card spending cements our position as the best bank in Nigeria, in line with our strategy to serve our valued clients locally and globally. We are thrilled to pioneer this initiative, which will run till March 26, 2015."
Nick Pilbeam, director of New Markets and Business Development, Avios, said: "We are always looking for new ways to provide British Airways Executive Club members with accessible ways to collect Avios. Our partnership with Guaranty Trust Bank is a real step forward for members in Nigeria because providing them with an easy way to build their Avios balance and enjoy the multitude of flight and travel rewards open to them."
Zenith Bank's $500m Eurobond over-subscribed
INTERNATIONAL endorsement of industry's leadership of Zenith Bank Plc has continued to soar. This has been reflected in the 200 percent over-subscription recorded in its $500million Eurobond issue. The $500million Eurobond is under a $1billion Global Medium Term Note programme announced by the bank on April 1, 2014. The bank's weeklong investors' road show, coordinated by Goldman Sachs and Citibank, received an overwhelming endorsement by a diversified group of global investors from Europe, the United States, Africa, Asia and the Middle East, the bank said.
In a statement, the bank said investor's perception of Zenith's domestic market leadership and its strong balance sheet defined by its liquidity, asset quality and capital adequacy are among the major factors driving the overwhelming acceptance of the bank's first ever debt issue. This, the bank said, elicited investors' appetite for its shares currently trading on both the Nigerian Stock Exchange and the London Stock Exchange.
Zenith bank said its conservative approach to banking had been exemplified by its robust capital adequacy ratio of 26 percent as at December 31, 2013, strong liquidity ratio of 64 percent, prudent loan to deposit ratio of 55 percent and strong risk management culture. Meanwhile, Zenith Bank said two leading rating agencies, Standard and Poor's Ratings Services and Fitch Ratings, had rated both the programme and the first tranche of $500million issued as BB- and B+, respectively.
Ecobank Promo Winners
ECOBANK Nigeria has rewarded a new set of winners of its Card 4 Prizes promo in the second monthly draws held simultaneously in Lagos, Port Harcourt and Abuja recently. In a statement, the bank said 15 lucky winners, which emerged from the electronic draw witnessed by officials from National Lottery Regulatory Commission and the Consumer Protection Council went home with different prizes.
Some of the prizes included smartphones, Led TVs, air conditioners, home theatres and power generating sets. Tunde Kuponiyi, head, cards and e-banking, Ecobank Nigeria, said that the promo which started in February, was gradually achieving its objectives as more customers of the bank have now utilised the alternative payment channels that include ATMs, Point of Sales terminals and internet banking.
According to him, 'a point- based rating' is usually applied when selecting winners, noting that customers are awarded points for every transaction done on the bank's alternative channels. He stated that the grand finale draw, which would also hold in the three centres in May, would be based on total accumulated points during the course of the promo.
Chinyere Iloene, senior Surveillance and Enforcement Officer, CPC, who witnessed the Port Harcourt draws, commended the transparency exhibited in the process. She applauded the bank for its tradition of rewarding customers, noting that the card promo would further promote business transactions.
Compiled by Chinwe Okafor
— Apr. 28, 2014 @ 01:00 GMT


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By Richard J. Hand,Andrew Purssell
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- Cop Shows: A Critical History of Police Dramas on Television
- Guy Williams, The Man Behind the Mask
- Since When Is Fran Drescher Jewish?
- Directing Theater 101: 10 Steps to Successful Productions
Extra resources for Adapting Graham Greene (The Adaptation Series)
Example text
Adapting Graham Greene (The Adaptation Series) by Richard J. Hand,Andrew Purssell
by George


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Key Highlights
Private Equity Whitepaper
- We are pleased to release the 2nd edition of our Private Equity Whitepaper, "Profiting from Alternative Data".
- As more and more capital flows into private markets, investors are turning to alternative data to gain an edge across deal origination, due diligence and post-acquisition.
Registration Open For NYC Flagship Conference
- Join us at our flagship event in New York on January 16th.
- This will be our first event where all three verticals of data buyers will be catered for with presentations, workshops, and vendor meetings facilitating:
- Buyside Funds.
- Private Equity firms.
- Corporates.
Alpha Capture Prediction
- Correct Alpha Capture Prediction from November 7th. The Sales Signal dashboard for DICK'S Sporting Goods (DKS), hosted on Eagle Edge, showed an inflection to the upside in the October quarter. The Sales Signal contrasted with consensus same-store sales, of 2.4% for the quarter, which was down slightly from July quarter levels. DKS reported today with same-store sales strongly ahead of consensus. The stock reacted positively to the news.
Advisory Panel
- We are thrilled to welcome Mitchell Ulman,CFA as the newest member of our advisory panel. Mitch is an Executive Leader with operating experience across financial services, data and technology-driven businesses. Mitch brings a wealth of business and product strategy expertise, along with a track record of innovation and impact from the rapidly-evolving data industry.
Active Data Requests
- Macro datasets at a country level
- Equity Indices & FICC
- G10 and larger EM countries such as Brazil, Mexico, South Africa, Thailand, Korea, India, etc
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Contact firstname.lastname@example.com to register your interest for the event.


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Subaru Crosstrek Desert Racer Shows its Off-Road Chops Winning 2019 Baja 500
The 300-hp Crosstrek Desert Racer shows its off-road chops, winning the gruelling 2019 Baja 500 led by father & son team Neal and Dusty Grabowski.
New 2019 Subaru Crosstrek Hits US Dealerships But Canadians Wait for 2020 Model
The 2019 Subaru Crosstrek Hybrid arrived at US dealers late 2018 for $35k. Canadians get the 2020 Crosstrek Hybrid but not until later this year.
Subaru's First Crosstrek Hybrid Makes North American Debut
Subaru's first Crosstrek Hybrid makes North American debut. Expect 480 miles on a full tank of gas & a full charge.
The 2019 Crosstrek Adds Few More Features for Upcoming Year
The Subaru Crosstrek was all-new for 2018 and for 2019 not much has changed except for a few extra features on Premium & Limited trims.
All-New 2018 Subaru Crosstrek: 13 New Things You Need To Know
The 2018 Crosstrek crossover is all-new with 13 key features that set it apart from the 2017 model, including Subaru's new Global Platform.
All-New 2018 Subaru Crosstrek Pricing Released: Starts at $21,795US
$100 over the outgoing model but with more features, the 2018 Subaru Crosstrek crossover starts at $21,975 US for the entry-level 2.0i 6MT.
2018 Subaru Crosstrek Photos: All-New Sleeker, Rugged Design
For 2018, the all-new Crosstrek fuses sleeker styling cues with all the sporty ruggedness; with a slightly wider wheel base and proportions.
All-new 2018 Subaru Crosstrek Is Here: Completely Redesigned
A revised 2.0L engine, more tech including Apple CarPlay, Android Auto, and more stylish design, the 2018 Subaru Crosstrek debuts in New York.
US Version of 2018 Subaru Crosstrek Will Get 6-speed Manual
The quick shifting CVT is nice but some 2018 Subaru Crosstrek owners will yearn a manual transmission option. The 2018 US model will find one.
New 2nd-Gen 2018 Subaru Crosstrek Debuts at 2017 Geneva Motor Show
Time for an upgrade. Five years later, the 2018 Subaru Crosstrek makes its world debut, offering a new 2.0L engine and X-MODE.
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Local Heather Kinnear gave Dr Akhiwu a warm greeting Following the completing of all his obligations with the Australian Royal College of Physicians in Sydney, Dr Patrick Akhiwu, Grenfell's impending new doctor, paid a quick visit to the town last Friday.
He did a tour of Main Street where he was frequently stopped by local well wishers for a chat. Doctor Akhiwu also visited the MPS where he met staff and patients and again was stopped by many locals who wanted to talk with him.
He was then taken down to inspect the new house on the Lawson Estate that he will be leasing off the council for the tenure of his stay in Grenfell.
In what was a very busy afternoon Dr Akhiwu then inspected the Burrangong St Surgery and was, to say the least, delighted with the set-up.
Following on from that he then visited a school in town after which he only had time for a change of clothes before attending a small dinner at the Railway Hotel with the local pharmacist, the Council's Mayor, deputy Mayor and General Manager along with several local health representatives from the hospital and MPS.
Next morning the doctor returned to Sydney for the start of his return odyssey to his family back home in Botswana where, it is hoped by all, he will soon be frantically organising his and his family's return to Australia and Grenfell.
This story Administrator ready to work first appeared on 苏州美甲美睫培训.


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Railway Siding
The Dettendorfer Group has been committed to transportation using a combination of rail and road for many years. To ensure access to the different types of vehicles in the future, the focus has been placed on the Group's own rail access points.
Goods can be transferred from rail to road transport means or vice versa at the Kiefersfelden, Könitz and Verona sites.
The following sites have a rail connection:


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Additional information
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Obama's Delicate Balance on Issue of Race and Policing
Obama's Delicate Balance on Issue of Race and Policing
The New York Times
Mark Landler, White House Correspondent
Michael D. Shear, White House Correspondent
WARSAW — As Air Force One headed for Europe on Thursday afternoon, President Obama holed up in the plane's office editing a Facebook post meant to express his anguish at two deadly shootings by police officers. Given what had happened, he told his aides, he didn't think it was enough.
Wrestling with what the appropriate thing to do instead was the start of a wrenching 10 hours in which Mr. Obama would find himself whipsawed by grim events back home, forcing him to once again search for the right tone in a moment of national shock and mourning.
In that time, Mr. Obama delivered a trans-Atlantic call for racial justice after the gruesome deaths of two black men at the hands of the police, only to face the same television cameras hours later to denounce the killings of five officers by a black sniper.
For Mr. Obama, the killing of Alton Sterling in Baton Rouge, La., and Philando Castile in suburban St. Paul and the bloody reprisal in Dallas encapsulated the challenge he has faced throughout his presidency: how to confront a justice system that he views as tilted against the very people whom he, as the nation's first black president, seemed singularly equipped to help…
Read the entire article here.Tags: Mark Landler, Michael D. Shear, Michael Shear, New York Times, The New York Times


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Last week, KYUK reported on something that could be unprecedented. Wild dogs behaved as a pack and took down a yearling muskox a couple miles outside the community of Toksook Bay. Villagers have hunted down many of the dogs in the pack.
Toksook Bay Search and Rescue Volunteer Benjamin Angaiak says that the three adult dogs have been killed by local hunters. He described them as medium sized and fast running. The one puppy in the pack is still on the loose, and hunters are keeping an eye out.
The muskox, Angaiak says, died from its injuries.


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Macquarie University Mentors
Starting university can be nerve-racking, exciting and challenging. Macquarie University Mentors is a peer support program to assist the transition of first-year students into Macquarie University. For over 20 years, we have supported students adapt to the maze of university life, focusing on the social, academic, geographic and administrative adjustments students encounter.
Our Mentors are highly trained student volunteers who assist new students from all backgrounds; high school, TAFE, the workforce, and other pathways. Mentors provide a friendly face for new students when they first arrive on campus, assist students establish networks, and help explore opportunities inside and outside the classroom.
What do Mentors do?
Macquarie University Mentors create a safe and supportive environment where new students can adjust to Macquarie life at their own pace.
A Mentor can help new students:
- Navigate through information, processes and systems, both in person and online
- Establish new groups of peers within the program at social events and in the wider university community at Orientation
- Be informed and understand the services on offer
- Experience belonging to the Macquarie community
Your Macquarie University Mentor can connect you with appropriate student support services but they cannot:
- Provide official academic, counselling or financial advice
- Act as a tutor
Find a Mentor
Why Select a Mentor?
Mentors play an important role in supporting students in their transition to university. New students involved in our program academically surpass those who do not have a Macquarie University Mentor in a positive enabling environment to achieve their goals (Aug. 2018).
Having a Mentor enables you to:
- Explore and become an expert in your new physical and online learning spaces
- Be informed and understand how to use student support services and facilities offered at Macquarie
- Connect meaningfully with students and staff
- Feel connected to the Macquarie community
Select your Mentor
You can now select a Mentor for Session 1, 2020 via the Macquarie University Mentors Network.
How to select your Macquarie University Mentor:
1) Jump onto the Macquarie University Mentors Network, then click on "Join Program".
2) Login using your OneID.
3) Once you've signed in, you'll be able to see all our Mentors in the program. To select a Mentor, on the right side, there is a filter bar. Use this filter to find Mentors from your Faculty and favourite your top 3-5 Mentors. Once you've done this, we'll match you with a Mentor, and they'll be in contact with you within 1-3 business days. You'll hear from them through your inbox via the Homepage.
If you have any questions regarding selecting a Mentor, please contact firstname.lastname@example.com.
Become a Mentor
Who can become a Mentor?
To become a Mentor, you must:
- Have studied at Macquarie for at least one session
- Plan to enrol in at least one internal unit in Session 2, 2020
- Be passionate about enhancing the university experience for new students
- Be willing to commit to the mentoring role for one full session
- Attend compulsory training days and activities.
Mentor benefits
Volunteering as a Macquarie University Mentor is a great way to contribute to Macquarie's community, have fun and gain invaluable skills that will contribute to your employability.
With your personal experience as a student and the training you'll receive, you'll be able to answer most questions new students have about Macquarie University or appropriately refer them to someone who can. You'll also be able to facilitate and lead small group activities, and communicate effectively via face-to-face and online platforms.
Our hands-on training helps you develop essential life skills that employers look for in graduates.
These include (but are not limited to):
- leadership skills
- problem-solving abilities
- effectively working in a team
- communicating effectively with people from a diverse range of backgrounds
Apply to be a Mentor
Mentor applications are closed for Session 1, 2020.
If you are interested in becoming a Mentor for Session 2, 2020, please fill out our expression of interest form via this link. The Mentors Team will contact you once applications open. Applications will open in April/May 2020.
Become a Team Leader
Who can become a Team Leader?
To become a Team Leader, you must:
- Have been a Macquarie University Mentor for at least 1 session or a current Macquarie University Mentor
- Plan to enrol in at least one internal unit at Macquarie University during your time as a Team Leader
- Be passionate about supporting Mentors in their role
- Be willing to commit to the Team Leader role for one full session
- Attend compulsory training days and activities.
Team Leader benefits
Volunteering as a Macquarie University Mentor Team Leader is a great way to contribute to Macquarie's community, give back to the Macquarie University Mentors program, step into a fun and rewarding leadership position and gain invaluable skills that will contribute to your employability.
As a Team Leader, you bring your expertise as an experienced Mentor to enhance the mentoring experience. You will have access to exclusive training resources and significant input into the programs design such as social events and training. You will also have exclusive opportunities to present at formal university events.
Our hands-on training helps you develop essential life skills that employers look for in graduates.
These include (but are not limited to):
- leadership skills
- presentation skills
- event management
- team management
- problem-solving abilities
- effectively working in a team
- communicating effectively with people from a diverse range of backgrounds
Apply to be a Team Leader
Applications to be a Team Leader for Session 1, 2020 are closed. Applications for Session 2, 2020 will open in March/April 2020.
Contact us
Contact the Mentors Team Staff via:
Email: firstname.lastname@example.com
Phone: (02) 9850 4386


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Seafood, fresh fruit and plants are flown in from distant nations. My wife and I have made approximately $1300 in a monthly check. OInvest and never perform: stock investing isn't playing or getting lotteries with regard to money.
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ASCE 7 Minimum Design Loads For Buildings And Other Structures. Be notified when this Standard is updated or amended – Add to StandardsWatch. ASCE , Minimum Design Loads for Buildings and Other Structures. Errata. ASCE/SEI , Structural Applications of Steel Cables for Buildings. Co. ASCE – 7 – 03 Wind Uplift Evaluation Form. (Ask for Form – ASCE7dpi. doc). To determine a roof's wind uplift PSF (pounds per square foot). Pressure.
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No current Talk conversations about this book. Check out the top books of the year asxe our page Best Books of The inclusion of Supplement No. References to this work on external resources. We use cookies to give you the best possible experience. This Standard provides requirements for dead, live, soil, flood, wind, snow, rain, ice, and earthquake loads, and their combinations that are suitable for inclusion in building codes and other acse.
Numerous other provisions of all other ASCE sections are also adopted by reference by both model building codes including the provisions for calculating wind loads and snow loads.
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Structural engineers, architects, and those engaged in preparing and administering local building codes will find the structural load requirements essential to their practice.
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Sign up for LibraryThing to find out whether you'll like this book. Wikipedia in English 1 Structural load.
CD Audiobook 0 editions. Home Groups Talk Zeitgeist. The new Standard includes revised and significantly reorganized provisions for seismic design of structures, as well as revisions in the provisions for determining live, flood, wind, snow, and atmospheric ice loads.
I Agree This site uses cookies to deliver our services, improve performance, for analytics, and if not signed in for advertising. A detailed commentary containing explanatory and supplementary information to assist users of ASCE is included.
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Figurative Language - Colossal poster
This giant poster focuses students attention on important forms of figurative language, including similes, metaphors, personification, alliteration, onomatopoeia, symbols, and more.
It s over 5 1/2 feet tall! The teacher s guide activities reinforce students understanding of the forms and give students practice creating effective examples of them.
Additional Information
|LANGUAGE ARTS, Vocabulary
|McDonald Publishing


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In this pivotal prequel to Star Wars: The Rise of Skywalker, the heroes of the Resistance—Poe Dameron, General Leia Organa, Rey, and Finn—must fight back from the edge of oblivion.
The Resistance is in ruins. In the wake of their harrowing escape from Crait, what was once an army has been reduced to a handful of wounded heroes. Finn, Poe, Rey, Rose, Chewbacca, Leia Organa—their names are famous among the oppressed worlds they fight to liberate. But names can only get you so far, and Leia's last desperate call for aid has gone unanswered.
From the jungles of Ryloth to the shipyards of Corellia, the shadow of the First Order looms large, and those with the bravery to face the darkness are scattered and isolated. If hope is to survive, the Resistance must journey throughout the galaxy, seeking out more leaders—including those who, in days gone by, helped a nascent rebellion topple an empire. Battles will be fought, alliances will be forged, and the Resistance will be reborn.
Author: Rebecca Roanhorse
Publisher: Del Rey
Release date: November 5, 2019
Pages: 320
Rebecca Roanhorse has just taken her first step into a larger world with her latest work, Resistance Reborn and it is absolutely sensational! As part of the Journey to Star Wars: The Rise of Skywalker series, this wonderfully crafted novel makes one even more excited for the final chapter in the Skywalker Saga.
After the turmoil presented in The Last Jedi, the Resistance is down to only a handful of survivors aboard the Millennium Falcon. General Leia Organa's call for aide has gone unanswered by those sympathetic to the Resistance, and the mystery of it alludes her and her band of rebels. Desperate to recruit, and find allies across the galaxy, she must seek out old friends and forge new bonds in order for the Resistance to rise from the ashes. Her right hand man, and the leader of Black Squadron, Poe Dameron, must put aside his costly failures and show leadership in a time of chaos and confusion.
Fundamentally, this story belongs to Poe Dameron and the soldiers of the Resistance. While General Organa is their leader and is certainly a major presence, this book showcases the next generation that will inherit the responsibility of the Resistance. Dameron has his heart set on righting his wrongs; he has a lot of growth in the novel, which inspires growth in all those that surround him. He is a catalyst for change throughout the story and transforms into the leader Leia knows he can be.
This new era of Star Wars storytelling has ventured into the gray amidst what seemed to once be black and white. As in life, things are not always so cut and dry, and this novel falls in line with that sentiment. Each soldier has a checkered past in the Resistance; whether they were former soldiers of the Galactic Empire, or scoundrels for hire. In spite of their past transgressions towards the galaxy (and in some cases towards one another), they strive to combat the oppression that is the First Order.
The novel does a marvelous job at depicting the battle on the ground, as well as shedding light on the war within one's own mind. All of the heroes are war-torn, and carry their own baggage. Roanhorse is aware of what each character has come to face. She has allowed ample time to get inside each of their heads so we can truly understand what's at stake for these soldiers on an individual basis and as a whole.
What enamors me most with Roanhorse and Resistance Reborn is the attention to detail she pays each character. The characters utilized in the book originate from a variety of different Star Wars media platforms, yet they harmoniously coexist in this novel. She has allowed these lesser known characters to become part of the larger conflict at hand.
Such fan service is often perceived as lazy or pandering. Roanhorse is able to implement it while never jeopardizing the heart of the story, and if anything it breaks the stigma. Subtle nods throughout the book show connection amongst the numerous platforms. They are done with precision and don't feel in any way forced. Any hardcore canon fan will be pleasantly surprised; especially if they've invested their time in the modern version of Star Wars: Battlefront II and the literary works of Claudia Gray and Chuck Wendig. And of course there's some fun to be had for original trilogy fans as well, just look at Wedge Antilles on the cover!
Roanhorse may be one of the latest additions to the ever-growing list of Star Wars authors, but she writes in the universe like a hardened veteran. This novel serves as a testament to all who've come before her, and is quite a way to make an entrance. I can not wait for her next literary contribution to the Star Wars universe as she writes from a place of passion and respect for the franchise. Rebecca Roanhorse, we will watch your career with great interest.
A special thanks to Penguin Random House for supplying a review copy of Resistance Reborn.
- Hardcover Book
- Roanhorse, Rebecca (Author)
- English (Publication Language)
- 320 Pages - 11/05/2019 (Publication Date) - Del Rey (Publisher)


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Immanuwel Aleem beats Jonathan Cepeda to the punch to win eight-round slugfest
In an action-packed, 160-pound bout from the Sands Bethlehem Event Center in Bethlehem, Pennsylvania, Immanuwel Aleem (16-0, 9 KOs) dominated from start to finish Tuesday night to remain undefeated with a unanimous decision over Jonathan Cepeda (17-2, 15 KOs), who pressed through the punishment as he fought back to the final bell. All three judges scored the bout 79-73 in favor of Aleem, who ended Cepeda's five-fight winning streak. Both fighters threw bombs from the start, and although Aleem landed the harder blows initially in Round 1, Cepeda retaliated with some heavy shots of his own in the final minute. A cut developed in Round 2 above Cepeda's right eye, but the New York City resident was undeterred as he continued to come forward against Aleem's attack. Aleem, 22, began to take command in the middle rounds, landing combinations with pinpoint accuracy and drilling his 31-year-old opponent with left hooks as both fighters worked tirelessly. "[Cepeda] was a tough guy. I hit him with some good shots, but he kept his ground, and I respect that," said Aleem, who was born in New York and resides in Richmond, Virginia. "I was trying to take my time to get him out, but I was being too hasty. "I am a student of the game, and I was taking my time." Aleem continued to batter the unyielding Cepeda into the late rounds, and nearly finished the job toward the end of the seventh. Cepeda survived, however—in fact, despite absorbing countless brutal haymakers, he never hit the deck, displaying incredible resilience in his first fight in more than a year.
Working together for the greater good of boxing.
And, as with many sports, boxing has turned from a casual competition sport to a multi-billion dollar industry with investors and sideline participants just like any other industry.
What's important to remember is that boxing is still a sport of people. The folks at Kran Sports believe that as individuals we can work together for the greater good of not only our associates but the sport of boxing in general. We hope we can work together with you as well.
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Captains 2019
John Guy
I have played golf at Nottingham City Golf Club for over 30 years. I have been a member of this great club for over 15 years and the members have bestowed on me the honour and privilege of being their Captain for 2019
Over the 109 years history of the Club, we have had our ups and downs, the last 5 years being very difficult. However, massive improvements took place in 2018 and by the summer of 2019 we should once again have a course to be proud of.
All golfers are welcome. I think you will be amazed by the improvements in the course and friendly atmosphere in the Clubhouse.9
Tracey Green
Hi my name is Tracey Green I have the honour of being Lady Captain for 2019. We have a very friendly and active ladies section and run a wide selection of club stroke play competitions, knockout competitions and matches against other local clubs. we would welcome you to join us and look forward to hearing from you.
Thank you.


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Being a full-time online advertiser implies you need to keep a nearby watch on how Google is positioning pages on the web… one intense concern is the entire issue of copy content. All the more critically, how does having copy content all alone site and on others' destinations, influence your watchword rankings in Google and the other web crawlers? scraping google search results
Presently, as of late it appears that Google is considerably more open about exactly how it positions content. I state "appears" in light of the fact that with Google there are forever and a day of doubt with regards to how they treat substance and website admins. Google's entire "do as I state" mentality leaves a severe preference for most
website admins' mouths. To such an extent, that many have had all that could possibly be needed of Google's demeanor and disregard what Google and their intellectuals state out and out.
This is presumably sincerely satisfying, yet is it the correct course or disposition to take? Most likely not!
Essentially in light of the fact that, whether or not you love or abhor Google, there's no preventing they are King from securing on the web search and you should play by their guidelines or leave a great deal of genuine online income on the table. Presently, for my significant catchphrase content/pages even lost only a couple of spots in the rankings can mean I lose several dollars in day by day commissions, so anything influencing my rankings clearly stand out enough to be noticed.
So the entire dubious issue of copy content has caused me some worry and I have given careful consideration to myself to discover all that I can about it. I am principally stressed over my substance being positioned lower in light of the fact that the web crawlers think it is copy content and punishes it.
My circumstance is exacerbated by the way that I am vigorously into article advertising – similar articles are included on hundreds, a few times a large number of destinations over the web. Normally, I am stressed these articles will weaken or bring down my rankings as opposed to achieve their expected motivation behind getting higher rankings.
I attempt to fluctuate the stay content/catchphrase connect in the asset boxes of these articles. I don't utilize a similar watchword state again and again, as I am almost 99% positive Google has a "catchphrase use" portion – rehash a similar watchword express time and again and your exceptionally connected substance will be brought down around 50 or 60 spots, fundamentally removing it from the list items. Been there, done that!
I even like submitting one of a kind articles to certain mainstream destinations so just that site has the article, accordingly dispensing with the entire copy content issue. This likewise makes for an extraordinary SEO system, particularly for starting on the web advertisers, your own webpage will set aside some effort to find a good pace or PR7, however you can put your substance and connections on high PR7 or PR8 authority locales right away. This will acquire quality traffic and help your own site get set up.
Another way I battle this issue is by utilizing a 301 re-direct with the goal that traffic and pagerank streams to the URL I need positioned. You can likewise utilize your Google Webmaster Tool record to show which form of your website you need positioned or included: with or without the "w".
The entire purpose behind doing any of this has to do with PageRank juice – you need to go along this positioning juice to the proper page or substance. This can raise your rankings, particularly in Google.


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It's not often that you hear Budweiser and Shakespeare mentioned in the same breath.
Sporting history is littered with underdogs triumphing over the favourites. Generally this is due to a greater desire to win, greater effort or applying a well-conceived, tactical approach that plays to the strengths of the team available. The same goes for businesses. Read More


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"You'll see it when you believe it." - Wayne Dyer
I was recently watching a few episodes of America's Got Talent. Some of the performances on this show are truly AMAZING. One of the performing groups was a youth choir from Detroit. SPOILER ALERT!!!! They received the Golden Buzzer from Terry Crews. This group has sung their way straight to the Live Shows. Just as Terry was about to push the buzzer he said:
"Mr. White, all it takes is one person to believe in a young man or woman for them to reach their dreams and you are that man, sir." (Taken from the Detroit News online; link is down below).
"You'll see it when you believe it" - Merriam-Webster's definition of "Believe" includes "to consider to be true or to accept something as true, genuine or real."
"You'll see it when you believe it." – Mr. White believes in the young people singing in his choir; they are seeing their dreams and hard work pay off because they are believing in themselves.
"You'll see it when you believe it" – For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life. (John 3:16 NIV)
Mr. White is just one of many people who can and will make a difference in the lives of others. In a world of hustle and bustle, I would encourage you to BELIEVE … BELIEVE in yourself … BELIEVE in a friend … BELIEVE in a neighbor … BELIEVE …
Dear God, Thank you for BELIEVING IN US!! May we remember that we are created in your image and that just like you make a difference in our lives, we too can make a difference to someone in ours. May we believe so that we may see the beauty that is all around us. In your name we pray. Amen.
April Schauer
Sun, November 24, 2019 @ 3:37 PM
Sat, November 30, 2019 @ 5:23 PM
Tue, December 3, 2019 @ 12:29 AM
Fri, December 13, 2019 @ 5:58 PM
Thu, January 2, 2020 @ 5:19 PM
Fri, January 24, 2020 @ 2:09 PM
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Comment Guidelines: No HTML is allowed. Off-topic or inappropriate comments will be edited or deleted. Thanks.
Copyright ©2020 God's Grace Community Church. All rights reserved. Sitemap.


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Personalised Birthday Star Card. Personalise this Birthday Star card with an age up to 2 characters, followed by 2 lines of up to 20 characters each on the front of the card. The inside of this card can also be personalised with 4 lines of up to 20 characters each.'Today' is fixed text.All Cards come in a brown outer envelope with a Plain White envelope inside. All cards measure 185mm x 132mm.Our great value cards include free standard delivery.Card orders received before 1pm will be dispatched the same working day.NOTE: Due to the font type used please refrain from using all capitals in your personalised message. If the message is all in capitals you will find the personalisation extremely difficult to understand and may even result in personalisation being missed off the product. Many thanks for your cooperation.Ideal for Birthdays.
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To personalise your order, please complete the above boxes, each personalised line is indicated by a number. For help with personalisation, please contact us.


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Technical Specification
LG latest Ultra HD innovation is built into the unique IPS 4K panel meaning your entertainment is viewable from any angle without distortion
Advanced formatting technology enables LG UHD TV to output many recognised High Dynamic Range algorithms, such as HLG and HDR 10. Get the HDR experience from more HDR sources.
Enjoy brighter whites and darker blacks thanks to local dimming technology which lifts the brightest scenes to brilliant new levels and the darkest shadows to life.
Take your entertainment to a new level with LG's 4K Upscaler and HEVC decoder for 4K streaming.
Terms and Conditions
information on your right of withdrawal is in section 9: cancellations/return policy
Double click on above image to view full picture


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MAXpider floor liners provide an attractive style not found in other all-weather mats and liners. MAXpider liners enhance the look of your Model 3s interior, while at the same time, provide peace of mind knowing that when spills happen, and dirt, snow, water and salt are tracked onto your Model 3 floor no damage is done. Unlike traditional floor liners that have an industrial hard plastic look; 3D MAXpider. All-weather floor liners have a carpet like appearance and are pleasing to the eye. Because of the textured finish your feet rest on an anti-slip surface not slick like other floor liners, which is especially advantageous when your shoes are wet. MAXpider three dimensional floor liners fit the contours of your model 3 exactly for a professional looking fit. Edges are raised to provide maximum coverage and protection for your Model 3. Spills are trapped, and can be easily rinsed off with water. Since MAXpider liners are not heavy they are easier to remove for cleaning than other brands of floor liners. 3 Layer Purposeful Construction. Is made from Thermoplastic textured waterproof Rubber. Reduces foot fatigue & provides a barrier to road noise. Material is slip resistant to keep liners in place without sliding around. No Grommets or Hooks needed for Drivers Side Liner. MAXpider Floor Liners are non-toxic and odorless. Received the MAXpiders this morning. They are simple and modern with a quiet elegancea very sleek, luxurious suede look to them and are super lightweight. No other car floor mats can even come close. By comparison, WeatherTech liners look harsh, industrial and arent compatible with the Tesla look. The item "3D MAXpider Frunk/Trunk Floor Liners for Tesla Model 3 Ships to US Canada Europe" is in sale since Sunday, March 3, 2019. This item is in the category "eBay Motors\Parts & Accessories\Car & Truck Parts\Interior\Floor Mats & Carpets". The seller is "formytesla" and is located in Fontana CA . This item can be shipped to United States, all countries in Europe, Canada, Australia, Japan, South Korea, Indonesia, Taiwan, South africa, Thailand, Hong Kong, Bahamas, Israel, Mexico, New Zealand, Philippines, Singapore, Saudi arabia, United arab emirates, Qatar, Kuwait, Bahrain, Malaysia, Brazil, Chile, Colombia, Costa rica, Panama, Trinidad and tobago, Guatemala, Honduras, Jamaica, Viet nam.
- Color: Black
- Brand: MAXpider
- Manufacturer Part Number: FMTM3FT
- Placement on Vehicle: Front and Rear Trunk Liners
- Surface Finish: KAGU Thermoplastic Textured Waterproof Rubber
- Type: Rubber Mat
- Fitment Type: Direct Replacement
- Material: Rubber
- Number of Pieces: 2
- Fits 2017-2019 Tesla Model 3: Custom Exact fit
3D MAXpider Frunk/Trunk Floor Liners for Tesla Model 3 Ships to US Canada Europe


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The latest Cancun flight news
Here's the latest Cancun flight news for January 2020. Starting February 16, Vacation Express will be offering a new flight from Kansas City to Cancun on Sundays. The flight will operate until April 5 and will move to Saturday on May 23 until August 1, 2020.
For Canadian travelers to Cancun, Sunwing is offering a new weekly flight from Hamilton and Air Canada has increased its Vancouver service from four to seven flights a week and has a weekly flight from Quebec City.
Starting March 10, Frontier Airlines will offer a new daily flight from Newark. Spirit Airlines will also start flying from Austin, Cleveland, Nashville, Philadelphia and Pittsburgh in February and March.
Tui will expand the number of flights it offers to Cancun from the United Kingdom and Germany to cover demand in the wake of the bankruptcy and closure of Thomas Cook Airlines. To satisfy demand in the British market, British Airways may also offer an additional flight and Virgin Atlantic may return to Cancun.
Viva Aerobus is now offering charter flights from Cancun to Havana three times a week.
On March 7, Southwest Airlines will also inaugurate a new Houston-Cozumel route with two flights a day (new route subject to government approval).
In 2019, Cancun International Airport welcomed 25,481,989 travelers, a 1.1 percent increase from 2018. In other news, expansion continues at this regional hub. Terminal 4 will be enlarged this year and Terminal 2 and 3 will be renovated.
[Source: Sipse, Riviera Maya News, Caribbean Journal, CPQT]


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Creating High Performance Websites & Marketing Strategies Designed
As a Full Service With Experience in Web Design & Development, Logo Design, Branding, Marketing and Video Editing & Creation. We Work With Clients to Harness Our Expertise to Bring Value to Your Business With Technology, Creativity and Strong Business Sense.
Today your clients are on mobile devices, smartphones, tablets, iPads etc. When they find your website from these devices, will they be able to view and navigate it perfectly? If not – you are losing tons of business.
More than ever, people are searching the web for goods and services from smartphones and other mobile devices first. And yes, these are your potential clients, so you need to have an online strategy that focuses on this.
If potential clients cannot easily find your business online from their mobile devices, they will never become your customer!
Delivering Results For Nearly a Decade
At Digital Nest, we focus on working hard to help our clients grow their businesses and revenue via custom website design / re-design and effective digital marketing, notably with Google My Business as the foundation. Our website design / digital marketing process allows us to be in the shoes of your target audience which is critical because understanding your potential clients motivations and goals are an essential part helping you achieving your desired results.
Not every Digital Agency can do this due to lack of experience, fortunately we have the experience with 100's of projects in a large variety of industries, we have proven to be one of the top leaders in Website Design / Development & Online Marketing. Plus we have a solid Graphic Design Team as well!
Why You Need To Have A Mobile & SEO Friendly Website Today.
We Make Your Website Stand Out,
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World Class Website Design, Custom Logos, Branding & SEO
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analytics & facebook pixel
Let's talk, our consultation / strategy session is Free
Don't worry, we will not get technical. But we will explain everything you need to understand regarding hitting your goals online. At the end of the day, we are here to make sure you put your best foot forward online, giving you the maximum opportunity for success.


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Your donation to the Where Most Needed fund will help us better serve children in extreme poverty.
If a 9-year-old can get kids sponsored, so can you!
| Posted: July 28, 2018
Goretti and her three young children live in a violent slum in Kampala, Uganda, rife with gun violence, drugs and poverty. But she dreams of a better future for her kids. She labors, scooping up charcoal to sell in the marketplace, so one day she can buy land and move somewhere safe. Compassion supporters are helping to move that day closer.


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The purpose of this Notice is to inform you of the amendments to the Labuan Business Activity Act 1990 ("LBATA"), gazetted under the Finance Act 2018, which comes into operation on 1 January 2019.
These changes will affect you and your clients who own Labuan entities.
So, what is it all about?
Malaysia has announced a number of changes to the LBATA and the Income Tax Act 1967 ("ITA") affecting Labuan entities. As a result of the changes, the Malaysian Government has also issued two new regulations supplementing the LBATA and the ITA namely –
· Labuan Business Activity Tax (Requirements for Labuan Business Activity) Regulations 2018; and
· Income Tax Act (Deductions Not Allowed for Payment Made to Labuan Company by Resident) Rules 2018.
Significant changes
1) Abolition of RM20,000 flat tax rate and maintains only 3% tax for Labuan entities carrying on trading activities. This will also require Labuan entities carrying on trading activities to have their accounts audited by an approved auditor in Labuan. Labuan entities carrying on non-trading activities will still benefit from the 0% tax rate.
2) Labuan entities can now on conduct –
(i) transactions in Ringgit Malaysia; and
(ii) transactions with residents of Malaysia.
3) For residents of Malaysia who have transactions with a Labuan entity, tax deduction on expenditure incurred by the residents is limited to –
(i) 67% of the amount of interest payment
(ii) 67% of the amount of lease rental payment
(iii) 3% of the amount of other payments
4) Royalty and other income derived from an intellectual property right if receivable as consideration for the commercial exploitation of that right will be subject to prevailing tax rate of 24% under the ITA.
5) Labuan entity will be required to show "economic substance", key requirements include that it must have adequate number of full time employees and must meet minimum annual operating expenditure requirement in Labuan.
When is the effective date?
To take effect on 1 January 2019.
Further guidelines and rules to be issued by the Labuan FSA and the Malaysian IRB
There will be a series of meetings in the next week or so between the Labuan industry players and Labuan FSA as well as the IRB to iron out issues and address certain matters in relation to the changes. We anticipate further guidance will be issued to reach clarity of our understanding of the new law.
Please note that our notice is intended to brief you of the key changes affecting Labuan entities. It should not be used or relied upon as a substitute for a tax advice or a basis for formulating your or your client's business decisions.
If you require further information or would like to discuss how the new changes will impact your business, please get in touch with your usual Konsultan contact or write to us at email@example.com.
Thank you.
Yours faithfully,
Sukor Ashak
Managing Director
HMR Konsultan (Labuan) Ltd.
Last Updated: January 11, 2019