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This natural chemical compound is necessary for the production of female and male sex hormones, to ensure normal water levels in the cells of the body. There are other features.
But an excess of cholesterol leads to a serious disease - atherosclerosis. In this case, the normal activity of the blood vessels is disrupted. The consequences can be the worst.
Statins - fighters with cholesterol
- decreased liver cholesterol production;
- a decrease in intestinal absorption of cholesterol from food;
- elimination of the resulting cholesterol plaque in the blood vessels.
The main indications for prescribing statins:
- atherosclerosis;
- heart disease, the threat of a heart attack;
- diabetes mellitus - to prevent or reduce complications associated with blood circulation.
In some cases, atherosclerotic plaques can form even with low cholesterol. And if this particular feature is found in a patient, statins can also be assigned.
Statins with diabetes
CD can not be cured. But it is possible to increase the duration and quality of life of a diabetic so that the disease will become only a disciplining factor, and not a sentence. If at the same time it is possible to improve fat metabolism, which is closely related to the problems of high cholesterol, then we can talk about a significant achievement. This is especially important in the second type of disease. It is in this case that lipid (fat) metabolism is disturbed to a greater degree.
Choose to taste?
- Lovastatin - This medicine, which is obtained from mold fungi by their fermentation.
- Analogue of this drug is simvastatin.
- Very close to these two drugs is considered pravastatin.
- Rosuvastatin, atorvastatin and fluvastatin - These are fully synthetic drugs.
Prices for statins can vary greatly depending on the manufacturer, the financial policy of the implementing pharmacy, as well as by region. In some cases, the price of simvastatin falls short of one hundred rubles for 30 tablets. The range of prices for rosuvastatin is very large: 300-700 rubles. The provision of statin class drugs for free depends on the social programs of a particular region and the situation of the diabetic himself.
Duration of treatment
Given a number of factors (contraindications among them), some doctors may prescribe statins only in certain cases. For example, when a diabetic already has negative effects of lipid metabolism or a real risk of atherosclerosis and subsequent complications.


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Property Details for MLS® # C4285571
916b 8 Av Se, Calgary
2 Storey Attached Home for Sale
- Price: $995,000
- Bedrooms: 3
- Bathrooms: 3(full) 1(half)
- Parking: 4
- Status: Active
- Year Built: 2007
One of the best locations in the city, overlooking the Bow River and parkways PLUS a view of our beautiful skyline/downtown. This exquisite, contemporary, elegant home designed by architect Robert Pashuck is positioned along the city's expansive biking/walking baths, parks/river and two blocks from the trendy Inglewood core of shopping, breweries, galleries and Music Mile. Experience the benefits of inner city living in this quaint, historic community, with quick access to downtown and all that Calgary offers. Upon entering, you will feel the intimacy of a front office/reading area and the spaciousness of an open floor plan. Walnut stained cherry wood cabinetry, quartz counters, gas range, top shelf appliances, corner pantry and the sun shining in the large windows and skylight make this a dream kitchen. Panoramic views from the master, dual entry walk in closet, his/her vanity's, oversized tub give this ensuite a spa like vibe. Book a showing and be impressed with the sophistication of this home today.
Contact Kelly Kernick About MLS® C4285571
Kelly Kernick, 403-875-7629 at Urban Real Estate Services, 820, 26th Street NE , Calgary, Alberta, T2A 2M4
property information
- Property Type: Attached Home
- Style: 2 Storey
- Year Built: 2007
- Total Floor Area: 2,015 sq.ft
- Finished Levels: 3
- Restrictions: See Remarks
Community Information
- Address: 916B 8 AV SE
- Neighbourhood: Inglewood
- City: Calgary
- Postal Code: T2G 0M3
- Included: Alarm/Security System, Dishwasher-Built-In, Dryer, Garage Control, Garage Opener, Hood Fan, Refrigerator, Stove-Gas, Washer, Water Softener, Window Coverings-All
- Bedrooms: 3 (Bedrooms Above: 2)
- Bathrooms: Full: 3 / Half: 1
- Rooms Above Grade: 7
- Fireplace Details: For Sale
- Basement: Full, Fully Finished
- Floor Finish: Ceramic Tile, Hardwood
- Exterior Features: Back Lane, Backs Onto Park/Trees, Fenced, Flat Site, Landscaped, Low Maintenance Landscape, Playground Nearby, River Valley View, River View, Schools, Shopping Nearby, View City, View Downtown
- Exterior Finish: Brick, Cedar, Stucco
- Construction: Wood Frame
- Foundation: Concrete
- Roof: Asphalt Shingles
- Front Exposure: South
- Frontage: 7.6000 metres
- Depth: 37.5300 metres
Upper Level Room Dimensions
- Master Bedroom: 3.66m x 5.99m
- Bedroom: 3.33m x 4.32m
Main Floor Room Dimensions
- Office: 2.69m x 4.04m
- Living Room: 4.39m x 3.61m
- Kitchen: 2.95m x 4.57m
- Family Room: 3.02m x 4.24m
- Dining Room: 2.67m x 3.66m
Lower Level Room Dimensions
- Storage Room: 1.65m x 2.08m
- Recreation Room: 2.69m x 3.89m
- Game Room: 3.05m x 3.33m
- Bedroom: 2.90m x 2.92m
services & amenities
- Features: Balcony, Ceiling 9 ft., Deck, No Smoking Home, Skylight, Vacuum System-Roughed-In, Vaulted Ceiling, Wood Windows
- Parking: Double Garage Attached (4 Total Parking Spaces, 2 Covered)
- Heating: Forced Air-1
- Heating: Forced Air-1, Natural Gas
Registration Benefits
By Creating an Account You'll Access:
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You may form, or already be in a company for a number of reasons including:
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The advantages of incorporating (forming a company) compared with a partnership/proprietorship are:
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Greg Bray
Greg Bray didn't come from Gladstone, and moved away from the place forever in his twenties then came back and settled down. He is occasionally surprised to discover he's over 50, still enjoying riding his battery powered pushbike 'Pubtruck III' and getting a buzz from writing and publishing blog posts. He is a huge fan of Bill Bryson, Terry Pratchett, Douglas Adams, Tolkien, Alain de Botton and countless other writers who have made him chuckle (or think) over the years (although he does feel a bit guilty for owning a couple of Jeremy Clarkson books). One day he hopes to bring joy to others through his own scribblings.
Blogs I Follow
- keys1988
- Burst of Light with Lisa
- Onyajay
- AM Comms
- Daily Inspiration Blog
- lawrencewray
- Caz the Comic Strip
- YA Author Rendezvous
- euphoria meets holy crap meets badass
- A Writer's Path
- Heartstring Eulogies
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- gladstonehistoryinc
- One Positive Blog
- gladstonegenealogy
- The Angriest Liberal
- Moved On
- WordPress.com
Tag Archives: Humorous Column
Moving on…
Folks, here's what happened. This website was created to display the weekly humorous columns I wrote for the Gladstone Observer each Friday and the Newscorp regional papers Lifestyle section on Saturdays. Unfortunately, a decision was made at Newscorp HQ to … Continue reading
Posted in Blog Tagged columnist, freelancing, Humorous Column, Newscorp, Writing Leave a comment
Golf Ball Entrepreneur
I'd search the murky, weedy creeks and long grass for lost golf balls. For some reason, it was around this time I developed a real eel phobia. Continue reading
Posted in Local Knowledge Tagged entrepreneur, Gladstone Observer Column, golf ball hunter, Humorous Column Leave a comment
Merry New Resolutions!
I'm hoping that next year's New Years' resolutions will actually survive past January second; for a change… Continue reading
Posted in On a Lighter Note... Tagged Christmas, Humorous Column, On a Lighter Note..., Resolutions Leave a comment
Grand Ol' Babysitters
…kids today have to be monitored 24/7 thanks to everyone living in a state of barely controlled panic. Continue reading
Posted in On a Lighter Note... Tagged babysitting, grandparents, holidays, Humorous Column Leave a comment
Dear Santa…
Each Christmas Eve a letter would magically appear in our letterbox surrounded by melting ice cubes. Continue reading
Posted in On a Lighter Note... Tagged Humorous Column, Letters, Santa Leave a comment


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Crew Cuts Mows Down The Competition
The Company: Crew Cuts Lawn Care Crew Cuts Lawn Care was founded in 2008 by Shayne Wierenga and Dan Morehouse. The tumultuous economy's lack of employment opportunities motivated the partners to begin their own business venture. Their prior experience led them to center their new, full-time business around lawn care service. Crew Cuts Lawn Care…Read More
Midwest Balloons Rides Soars Into View
About the Company: Midwest Balloon Rides Midwest Balloon Rides owner and operator Tony Sandlin has more than 20 years of balloon experience. Tony attended Excelsior Flight School in California and received his FAA Commercial License for Hot Air Balloons in 2005. Now raising a family full of balloon enthusiasts, Tony based his business in Indianapolis,…Read More
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Agencies/New Delhi
Some doctors combating India's coronavirus outbreak have been evicted from their homes by force, a medical association said yesterday, due to fears that they may be infected and spread the disease to neighbours.
The country went into a 21-day lockdown yesterday, and experts have said it faces a tidal wave of infections if rigorous steps are not taken to keep the virus in check.
India's public healthcare infrastructure is poor and it suffers from an acute shortage of medical staff, who will generally see many patients over a short period.
Some doctors in temporary residences had been forcefully evicted by their landlords over infection fears, the Resident Doctor's Association of the All India Institute of Medical Sciences (AIIMS) in New Delhi said.
"(They) are now stranded on the roads with all their luggage, nowhere to go, across the country," the association – which represents 2,500 doctors – said in a letter to Federal Home Minister Amit Shah on Tuesday, urging the government to intervene.
Late on Tuesday Health Minister Harsh Vardhan, himself a doctor, said on Twitter he was "deeply anguished" to see reports of doctors being ostracised in residential complexes, adding that precautions were being taken to ensure healthcare workers were not carriers of the infection.
A home ministry spokeswoman said the Delhi state government had issued orders saying penal action would be taken against those evicting doctors.
She did not comment on the situation in other states.
In a press briefing, Delhi Chief Minister Arvind Kejriwal warned that such landlords could face legal action if they persisted.
"If tomorrow, God forbid, your child is affected by the coronavirus, these are the people who will help you," Kejriwal said.
"If they are infected, we will take care of them."
India, a country of 1.3bn, has recorded 606 confirmed cases of Covid-19 and 10 deaths.
It has just one doctor for every 1,404 people, the government said in February, significantly below the World Health Organisation's norm of one per 1,000.
The AIIMS association's president, Adarsh Pratap Singh, said three doctors in New Delhi and around 15 in the southern city of Hyderabad had already faced issues with their accommodation.
He did not have estimates of how many have been impacted overall.
"People are not accepting them. The morale of doctors is down because of this, a stigma is being created due to lack of awareness of coronavirus," he said yesterday.
Airline staff have faced similar problems, with state-run carrier Air India and private airline IndiGo saying there had been instances of employees being ostracised from their communities.
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Lockdown helped avert bigger disaster, says govt
India says lockdown has spared it from overwhelming number of coronavirus cases
Face masks compulsory in Mumbai, Thane, Pune
Inventor drives home the message with corona car
Virus hotspots sealed off in Delhi, Uttar Pradesh
Monkeys, elephants, dogs reclaim streets in lockdown
Indian inventor revs up corona car to drive home lockdown message
State leaders hesitate to end lockdown as cases surge
Govt eases drug export ban after Trump threat


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Another one from the Top Gear Magazine archives. We got together some of the world's finest and fastest performance cars to max out at the daunting Red Bull Ring in Austria, and drive an unfiltered raw, 700bhp NASCAR. Step forward Top Gear Magazine's Jack Rix.
TopGear Takes On Driving A NASCAR
31 Dec 2018 10:07 pm | Cars
Related Videos
Jaguar XJ50 Engine Specifications And Features
Top 10 Cars of 2019
Honda CR-V Hybrid Review By AutoWeek
FIRST LOOK: McLaren Speedtail | Top Gear
Check Out The 2019 Kia Stinger
FIRST LOOK: Range Rover Evoque 2019 | Top Gear
Audi e-tron: Can It Beat Out Your Decision To Buy A Tesla?
The Lamborghini Urus tested on-road (and off)
Take A Closer Look At The 395bhp Dallara Stradale
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US border agents make multi-million-dollar drug bust in Caribbean Sea
JACKSONVILLE, Florida (CMC) — The United States Customs and Border Protection (CBP) agency says crew from its Air and Marine Operations (AMO) P-3 Orion Long Range Tracker assigned to the National Air Security Operations Center-Jacksonville, Florida, intercepted a vessel in the western Caribbean Sea loaded with an estimated US$49 million in cocaine.
On Thursday, CBP said on November 22, the crew was on routine patrol in the Caribbean Sea when it spotted a suspect go-fast vessel.
After contacting authorities, CBP said "Panamanian interceptors launched and a helicopter went airborne towards the location of the go-fast."
Although the go-fast was beached along the shoreline and the occupants dispersed, CBP said 70 packages of contraband were found containing 3,747 pounds of cocaine worth US$49 million.
The following day – another vessel was intercepted and three persons on board were arrested and 2,511 pounds of cocaine worth an estimated US$33 million were seized.
With about 1,800 federal agents and mission support personnel, 240 aircraft and 300 marine vessels operating throughout the United States, Puerto Rico and the US Virgin Islands, CBP said AMO serves as America's experts in airborne and maritime law enforcement.
In Fiscal Year 2018, CBP said AMO enforcement actions resulted in the approximate seizure or disruption of 283,503 pounds of cocaine; 301,553 pounds of marijuana; 180,444 pounds of methamphetamine; 872 weapons and US$34.2 million.
AMO enforcement actions also facilitated 2,373 arrests and 47,744 apprehensions of illegal Caribbean and other immigrants.
Now you can read the Jamaica Observer ePaper anytime, anywhere. The Jamaica Observer ePaper is available to you at home or at work, and is the same edition as the printed copy available at http://bit.ly/epaperlive
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|DIO has declared that this article has stopped in time, and any and all information on it may be outdated.
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And now time resumes!
|It's... it's not my fault, Megatron! This greed is built into my personality component!
|~ Swindle
Swindle is a greedy con-artist Decepticon and is a major antagonist that appears throughout the Transformers franchise. Though his loyalties lie with Megatron, he is known for being a neutral weapons dealer who uses the war between the Autobots and Decepticons to his advantage by selling arms to both sides. He is also a Combaticon.
Generation One
Transformers: The Game
In the game Transformers, Swindle serves as a main antagonist in the Autobot campaign. This version of Swindle is actually more of a mindless army of drones, being several enemy squads of nameless, characterless foot soldiers used simply as a nuisance to stop the player from advancing.
There were Autobot counterparts used to battle the player in the Decepticon campaign as well, and both sides were voiced by Fred Tatascoire (grunts only).
Transformers: Animated
|Scruples? You'd sell your own motherboard to the highest bidder.
|~ Megatron to Swindle
Fall of Cybertron
|The money machine is on the move!
|~ Swindle
The team combined into barbaric Bruticus and stormed through the rest of the Autobot defenses, though in the process they damaged the transport so badly that it crashed, making the enraged Starscream have the Combaticons' arrested. Swindle and the Combaticons were later freed when Megatron was resurrected and kicked a defeated Starscream into hiding. They were aboard the Nemesis, a permanently transformed Trypticon flagship, as it pursued the Autobot's Ark. Swindle took part in the assault on the Autobot ship's engines as part of Bruticus. The giant took out many Autobots before he was taken down by the combined efforts of Jazz and the Aerialbots, the thwarted barbian flying into a mysterious black hole along with the rest of his Autobot and Decepticon peers alike.
- Swindle is voiced by Johnny Heymer in the G1 cartoon, Fred Tatascoire in the games, Fred Willard in Animated, and Steven Blum in Fall of Cybertron.
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Ram 1500 Laramie 5.7L V8 HEMI MDS VVT
You can expect a lot from the 2015 Ram 1500 With just over 45,000 miles on the odometer, this truck refuses to compromise! Smooth gearshifts are achieved thanks to the powerful 8 cylinder engine, and for added security, dynamic Stability Control supplements the drivetrain. Four wheel drive allows you to go places you've only imagined. Top features include front fog lights, power front seats, automatic dimming door mirrors, heated and ventilated seats, heated door mirrors, rain sensing wipers, an overhead console, and seat memory. Features such as automatic climate control and leather upholstery prove that economical transportation does not need to be sparsely equipped. Power adjustable pedals allow the driver to optimize his or her driving position, enhancing visibility, comfort and safety. Side curtain airbags deploy in extreme circumstances, shielding you and your passengers from collision forces. It also arrives with a Carfax history report, providing you peace of mind with detailed information. We know that you have high expectations, and we enjoy the challenge of meeting and exceeding them! Stop by our dealership or give us a call for more information.


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"Tell the chef, the beer is on me."
Everytime that I sit down to design or review a product or service presentation, I often ask what what do we know about our users? I don't mean their profiles, but rather what bits of knowledge or behaviour do we know about them? I force myself and the people around me to know as much as possible about their users and most importantly about the context that surrounds them and where the actions will take place or the products and services will be used. Still today I struggle how such simple questions raise so many doubts.
I have from my experience, that the majority of the problems come not from a misfit user profile, but rather from some unexpected context problem that wasn't considered during the design phase of that project. Knowing what our customers think is important, but the sweet spot between a good experience and a great experience is to have the knowledge to his or hers outskirts: where might the user bem, what are his expectations, what actions is he trying to accomplish? what else is going on around him? What distractions, noises and messages are competing for his attention?
Last Christmas, while returning from Lisbon, I came across a good example of good service design, subtle, but a very well thought use case. Once you've completed your check-in and baggage drop off process, it's time to head into the international area of the airport, once there, we're faced with the typical security processes, liquids out, laptop and electronics, etc. but even after so many flights, some times it does happen that you missed something within your hand luggage, which is not permit to carry on the flight! Solution? Well until now I've seen many airports offering their passengers to… dump the unauthorised items in the trash! May they be liquids or any other form of objects, it's a strange process, but what options are there when all the check-in was completed and your big luggages somewhere already inside the airport or plane?
Seems that someone in Lisbon, thought a bit about it and they now have at the security area, vending machines that allow passengers to buy padded envelops and boxes allowing them to post the items to themselves via a mail dropbox post. Clever? Maybe, but in many circumstances, more than convenience it allows you to save that awful lot of money in a item that you just can't carry into the plane.
I found this not just a great product placement idea, I believe that it was only possible because someone looked at all those passengers and realised the difficulties and decided to improve the experience of the airport service.
With all the sensors and information we can access today from our users, what's stopping us to deliver ever more smart and aware products and services? How are we using all the information we have about them?
A second great example of context awareness in this case to help push commercially a new product, is to think carefully about how not just the typical product placement activities, but go beyond them and understand where the new product might make sense to be and how to better communicate the added value it carries:
I could write lines and lines of great example, but I close this post with some of the key pointers to help uncover users context information. A starting point about using technology and sensors is Robert Scoble and Shel Israel "Age of Context" book, describing a not so far future where Data & Sensors will help deliver a highly anticipatory and predictively intelligent world in terms of products and services.
Context will not only affect every product and service, its already helping deliver contextual aware products and services, finally putting an end to all the product and service context agnostic development.
Apple WWDC 2013 keynote intro video was an ode to technological achievement, a company vision of perfection, a celebration of proper engineering and design. In video, each phrase is an ode to the growth and impact of proper user centered design. An ode for a paranoid attention to every little detail, something Apple meticulously, but it's also an ode to experience design, to those outthere like myself who think from the end towards the beggining, overlooking the effect, overlooking how one feels upon interaction, and then designing backwards to ensure a curated and designed experience, consistent, repeatable and delighful.
Apple is in many senses unique, for there are those that do inovation by brute force differentiation and those who generate differentiation by design, in particular experience design. I work along the last.
Me happy.
"Tell the chef, the beer is on me."
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"I'd love to help kickstart continued development! And 0 EUR/month really does make fiscal sense too... maybe I'll even get a shirt?" (there will be limited edition shirts for two and other goodies for each supporter as soon as we sold the 200)


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Our Guilford of Maine Hatchet Fabric combines a sharp blocking pattern toned with a neutral color pallet. Choose from colors like Axe, Baton, Blackjack and Smoke to create your unique design. Use this fabric to create custom panels for a beautiful finish on your next project.
Guilford Fabric ships as a continuous piece. If you order 10 yards, you will receive a continuous 10-yard piece. The only exception would be for quantities around 50 – 60 yards, where the material would exceed the shipping and packing limitations.
Note: While we make every attempt to accurately display fabrics, colors may vary depending on your screen settings. Before ordering, please request a fabric sample to ensure color and texture. Colors may vary between dye lots. All fabric is custom cut to order and non-returnable.
Clean with water-based cleaning agents, foam or pure, water free solvents. Vacuuming or light brushing is recommended to prevent dust and soil buildup.


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The increasing frequency and severity of extreme weather events and chronic stresses driven by climate change have particular implications for the utility sector. In it's report, US Regulated Electric Utilities Face Varied Exposure to Climate Hazards, Moody's Investors Service leverages Four Twenty Seven's physical climate risk data to explore the exposure of regulated electric utilities to climate hazards, including heat stress, water stress, flooding and hurricanes.
The analysis found that heat stress will likely have the greatest impact on utilities in the Midwest and southern Florida, reducing power grids' efficiency and increasing expenditures. The Western U.S., specifically the Rocky Mountain states and California, is the region most exposed to long-term water stress. Since many electric utilities depend on water for cooling, water stress is typically credit negative for utilities.
In other areas of the country utilities are exposed to extreme rainfall and flooding, which are responsible for many power outages. However, regulation and flood insurance help to reduce the credit impacts of floods. Along the East Coast and the Gulf of Mexico's coastal areas, increasingly severe hurricanes and storm surges will threaten key infrastructure assets such as transmissions substations and power plants. While hurricanes can lead to substantial costs and disruptions for utilities, the states in these regions often have credit-supportive regulation, allowing utilities to recoup costs after these events.
Utility companies across the U.S. are exposed to a variety of physical climate risks that threaten to damage or destroy utility infrastructure, increase operating expenses and affect their credit. These risks, however, can be mitigated with resilience investments by utility companies and by regulation and adaptation in jurisdictions in which they operate.
Register for free to read the full report.
To learn more about Four Twenty Seven's climate risk data, check out our solutions for investors, banks and corporations or read our report on Assessing Exposure to Climate Risk in U.S. Municipalities.
December 4, 2019 – 427 REPORT. Scenario analysis is an essential yet challenging component of understanding and preparing for the impacts of climate change on assets, markets and economies. When focusing on the short term, the warming and related impacts we have already committed to calls for scenarios that are decoupled from economic and policy activities and instead focus on the impacts that are already locked in. This report explores which impacts are already locked in, identifies how Representative Concentration Pathway (RCP) scenarios fit into the conversation, and describes an approach to setting up scenario analysis for near-term physical climate risks.
As the effects of climate change increasingly threaten financial stability, investors and regulators are seeking to understand what impacts lie ahead, and calling for an increase in physical climate risk assessment and disclosure in line with the Task Force on Climate-related Financial Disclosures (TCFD). To assess the scale of financial risk posed by physical climate change it is important to quantify risks under different climate scenarios. How will changes in extreme weather patterns, longer droughts and rising seas differ under various scenarios? Answering these questions through scenario analysis helps uncover the range of risks, allowing investors to identify assets and markets that are more likely to become stranded over time and to begin developing forward-looking resilience strategies. However, science-driven, decision-useful scenario analysis poses many challenges for businesses and financial stakeholders today, due to complex feedback loops, varying timescales, and multiple interacting factors that ultimately determine how global climate change manifests.
Figure 2. Distribution of daily extreme temperature changes in 2030-2040, expressed as a percent change, relative to a baseline of 1975-2005 under RCP 8.5. This map shows statistically downscaled global climate models averaged together, for this time frame and scenario. NASA Earth Exchange Global Daily Downscaled Projections statistically downscales climate model outputs to a ~25 kilometer resolution (see full details here) White areas are excluded because they lack potential for significant economic activity.
This new report, Demystifying Climate Scenario Analysis for Financial Stakeholders, explores which physical impacts are already locked in, identifies how Representative Concentration Pathway (RCP) scenarios apply, and describes an approach to setting up scenario analysis for near-term physical climate risks. Scenario analysis is often approached from the perspective of transition risk, where policy developments and greenhouse gas (GHG) emission targets are the key drivers of risk pathways over the near-term, in the next 10 to 30 years. Physical risk, however, requires a different approach. Impacts over the coming decades are largely locked in, making the emissions scenarios less relevant. Unlike transition risk, GHG emission pathways play a minimal role in the behavior of the near-term climate and GHG emission pathways only begin to meaningfully influence global temperatures near mid-century. The uncertainty in physical climate risks in the near-term is driven by uncertainty in physical processes, rather than in policy decisions.
For organizations looking to construct physical climate risk scenarios for risk management and strategy purposes, it is critical to understand the scientific phenomena driving our plausible climate futures. This report outlines an approach called percentile-based analysis, which allows users to explore the range of potential outcomes based on climate model outputs within a single RCP. This offers a flexible, data-driven approach, suitable for portfolio-level screenings, reporting, and in some cases, direct engagement with asset managers.
Key Takeaways:
As climate change increasingly leads to costly disasters, municipalities face challenging choices around rebuilding, preparing proactively and raising funds for these goals. Local governments face different challenges based on their size, economy, resources and geographic location. In this analysis, Moody's Investor Service looks at Four Twenty Seven's data on exposure to heat stress in U.S. jurisdictions alongside information on outstanding debt and credit quality.
The analysis found that 21% of outstanding debt that Moody's rates is exposed to high or very high heat stress. Almost 80% of the roughly $190 billion in debt that's issued in areas with high exposure to heat stress is in the central U.S. and Florida. The Midwest is projected to experience the most significant rise in extreme temperatures by mid-century. The Southeast, on the other hand, is expected to have a higher number of extreme heat days. However, its residents and infrastructure are more acclimated to hot conditions, which can help alleviate some of the physiological and structural impacts of extreme heat.
Heat stress can lead to increased costs due to infrastructure damage, energy demand and resilience investment and can also threaten public health and economic productivity. However, many jurisdictions in the Southeast and Midwest have characteristics that reduce credit risk. The Southeast tends to have large, diversified economies, as well as large tax bases and growing populations. Meanwhile, the Midwest tends to have strong cash balances alongside median family incomes that help to buffer risk. The credit risk to extreme heat in these regions is largely balanced out by these credit-positive characteristics.
Register for free to read the full report.
Four Twenty Seven's municipal climate risk data assesses the exposure of U.S. cities above 50,000 in population and all U.S. counties to floods, heat stress, hurricanes, sea level rise and water stress. To learn more read our analysis, Assessing Exposure to Climate Risk in U.S. Municipalities or explore our data products.
Extreme weather events driven by climate change are having severe impacts that are increasingly being seen across Europe. Between 1980 and 2017, weather and climate-related extremes caused approximately €453 billion of total economic losses. Among those losses, it is estimated that only 35% were insured. Climate change has a substantial impact on real estate markets. It can directly damage individual buildings, decrease their value or even lead to assets being rendered unusable. In Europe, floods from extreme rainfall and sea level rise represent a major threat to real estate markets. As climate change leads to more frequent and severe extreme weather events it is increasingly important for real estate investors to understand the climate risk exposure of key assets and prepare for impacts.
To provide a view on physical climate-related risk for the real estate industry in Europe, Four Twenty Seven used a proprietary model that leverages global climate data to provide asset-level risk assessments to physical climate hazards. We analyzed the exposure of 20,816 retail spaces and 16,188 offices in Four Twenty Seven's database of one million corporate facilities. The real estate sites are owned by over 900 listed companies, out of the 2,000 companies included in our database. We used our climate risk scoring methodology to assess each facility's exposure to climate hazards, with a focus on floods, sea level rise and heat stress looking out to mid-century. Flood risk and sea level rise are assessed with a precision of 90x90m. Heat stress is evaluated at a 25x25km scale.
We found that 19% of retail spaces and 16% of offices are exposed to floods and/or sea level rise, with floods representing the highest risk for both types of asset. Heat stress also presents significant risk to these facilities.
Inland Floods: A Major Threat for a Warming Europe
Floods are one of the most prominent risks for real estate in Europe. In most European cities, climate change is increasing the frequency and the intensity of heavy precipitation events, threatening urban infrastructure and increasing flooding.
Floods can inundate facilities directly, leading to disrupted operations and equipment damage and can also have indirect impacts on operations by damaging regional transportation, power and communication infrastructure. Fluvial and pluvial floods can increase costs associated with maintenance and repair of buildings, lead to higher insurance premiums, and reduce revenue due to business disruptions.
Floods also have wider impacts on real estate markets. For example, studies looking at the residential market in Germany and Finland show that properties in flood-prone areas are sold at lower prices compared to properties without flood risk.
Retail spaces in the United Kingdom are particularly exposed to flood risks, based on our analysis (Fig. 1). Climate change is likely to contribute to more events like the winter storms of 2015-2016 which resulted in around £1.6 billion of total economic damages in the United Kingdom. Over 20% of Edinburgh, Glasgow and Sheffield's retail assets are located in flood-prone areas.
The amount of rain during heavy precipitation events in Glasgow (Fig. 2) is projected to double by 2030-2040 compared to 1975-2005. London is also exposed to surface, fluvial and tidal floods. In our analysis, London is the city with the highest number of retail spaces in flood-prone areas (Table 1). Its most exposed sites have a 20% probability of being flooded each year, and a 1% probability that the flood depth will be higher than one meter, based on Four Twenty Seven's data.
Without adaptation measures at the site-level and the city-level, these assets will likely suffer from increasing property damages and potential business disruptions due to more frequent and severe rainstorms. For example, floods can reduce business at retail sites such as clothing stores when consumers may prefer to stay home or be prohibited from shopping by inundated infrastructure. Likewise, grocery stores and other retail sites may experience supply chain disruptions or damaged goods with impacts on sales and revenues.
England, Scotland, Wales and Northern Ireland all have a Climate Change Adaptation Program. The English program pledges to construct additional hard defenses and to support communities and businesses in increasing their properties' and investments' resilience.
Sea Level Rise: When Beach Front No Longer Means Value
Several recent studies have found that there is potential for severe sea level rise if certain tipping points are reached. For example, East Antarctica is warming faster than previously expected, with immense implications for global sea levels. According to opinions gathered from experts, there is a possibility of sea levels rising to two meters by 2100 under a 5˚C scenario. Without coastal adaptation investment, it is estimated that annual damages, due to storm surges and king tides, could reach up to almost €1 trillion by the end of the century in Europe.
The real estate industry is at the front line of sea level rise risk. Properties can suffer from severe damages leading to maintenance and repair costs. Even if a facility itself is not permanently inundated, it may be rendered unusable if its closest rail and road infrastructure experience chronic disruptions. Sea level rise can also have far-reaching market impacts such as increasing insurance costs and higher local taxes to fund adaptation efforts. The perception of sea level rise risk can also impact an asset's value. For example, French coastal properties suffered from substantial damages after coastal flooding caused by storm Xynthia in 2012. At the Ile de Ré, a touristic French island close to La Rochelle, material losses had a longer-term effect on the real estate market. Home prices dropped in the most exposed part of the island. Fields previously sought after by developers became classified as non-constructible areas after the storm.
Our assessment found that corporate offices are highly exposed to sea level rise in Europe (Fig. 3). Increasing floods and chronic inundation from sea level rise can affect employee commutes, with implications for business continuity at offices. Assets in Ireland, France, Sweden and the United Kingdom have particularly high exposure.
Copenhagen is highly exposed to sea level rise, with 81% of its offices exposed to coastal flooding. In its Climate Adaptation Plan, the city acknowledges that it will be at high risk of flooding in 2040, stating that if no adaptation measures are undertaken, sea level rise will cause "unacceptable" damage. An asset's risk to sea level rise will be largely driven by regional adaptation efforts to prepare for flooding from higher tides and storm surge.
Copenhagen has defined a long-term adaptation strategy, including the creation of green infrastructure and flexible spaces that can be inundated during high tides, such as sports fields and parks. The city also constructed dikes and quays to protect it from up to 2 meter storm surges. However, the construction of hard protective infrastructure is leading to very high expenditure for local authorities, which can have impacts on local taxes and the strength of other government services. Adaptation policies may also affect building permit requirements and add restrictions to real estate development. Dublin is the city with the highest number of corporate offices from our database exposed to sea level rise (Table 2). This exposure is concentrated in Dublin's business district (Fig. 4). Floods in the business district can impact the transportation system, electric grid and telecommunications networks, which all impact local businesses.
Dublin is aware of its risk and has developed a 2019-2024 adaptation plan that budgets the construction of new flood defenses and includes a flood risk management strategy. Property managers and real estate investors can engage with the surrounding community to support these regional resilience-building efforts that will also mitigate the risk to their own assets.
Heat Stress: Shattered Records Becoming the New Norm
Heat stress is a growing concern for Europe. The region experienced two recording-breaking heat waves within two months during summer 2019, affecting public health, hindering productivity and contributing to train delays, with implications for economies across the continent. The decade from 2009-2018 was the warmest on record, with temperatures around 1.7°C above the pre-industrial level in Europe.
Our analysis shows that offices and commercial spaces throughout Europe will experience heat waves that are 21 days longer on average compared to 1975-2005. Based on Four Twenty Seven's data, Southern Europe is expected to experience the highest increase in the duration of heat waves, with projections showing an additional month of temperatures above the 90th percentile every year in Madrid (Fig. 5). Heat waves will also bring higher temperatures, with an 8% average increase in maximum temperatures by mid-century, and over 10% in Paris, for example. This will manifest in cities experiencing climates typically associated with locations significantly further south. For example, a recent study noted that "Madrid's climate in 2050 will resemble Marrakech's climate today, Stockholm will resemble Budapest, London to Barcelona."
The urban heat island effect and worsening air quality will exacerbate the impacts of increasing average temperatures in many European cities, with implications for human health and economies. Heat stress can create new cooling needs for buildings and thus increase operations costs at real estate assets. This is particularly true for assets such as data centers and retirement residences, with significant cooling needs. Extreme heat can also affect consumer behavior, reducing the desire to window shop outside, for example, but increasing the visitors to air-conditioned facilities such as shopping malls. In the long run, increasing average temperatures could have indirect effects on real estate markets as consumer preferences shift.
To reduce their vulnerability, many cities are adapting to extreme heat by increasing green spaces and the use of reflective materials to reduce the albedo effect, for example. Property managers can model on-site adaptations after these examples, while also contributing to wider regional efforts that reduce the urban heat island effect to preserve public health and economic activity.
Real estate assets are already experiencing the impact of extreme heat and floods across Europe and the real estate industry will continue to be impacted by climate change in the near-term. There is an urgent need for resilience-building across assets to ensure business continuity and reduce financial losses. Understanding asset risk is an essential first step towards building resilience. Asset owners and managers can leverage asset-level risk exposure data, alongside awareness of regional adaptation efforts, to improve the resilience of their assets and engage communities around shared resilience priorities.
[1] This analysis does not capture coastal flooding for areas further than five kilometers inland from the coast. This limitation may under-represent risk in coastal-adjacent, low-lying areas that extend inland like Amsterdam.
Four Twenty Seven's ever-growing database now includes close to one million corporate sites and covers 2000 publicly-traded companies. We offer equity risk scoring and real asset screening services to help investors and corporations leverage this data.
FEBRUARY 19, 2019 – SAN DIEGO, CALIFORNIA – Four Twenty Seven receives Climate Change Business Journal Awards for three climate change risk and resilience projects.
The Climate Change Business Journal (CCBJ) released its 10th annual CCBJ Business Achievement Awards, recognizing outstanding business performance in the climate change industry. CCBJ assesses markets and business opportunities across the emerging climate change industry and acknowledged Four Twenty Seven's contributions to this field through our global dataset on climate risk in real estate, the development of the California Heat Assessment Tool and our contribution to the EBRD-GCECA initiative on Advancing TCFD Guidance on Physical Climate Risks and Opportunities.
Four Twenty Seven and GeoPhy earned the Technology Merit: Climate Change Risk Modeling and Assessment award for releasing the first global dataset on climate risk exposure in real estate investment trusts (REITs). REITs represent an increasingly important asset class that provides investors with a vehicle for gaining exposure to real estate portfolios. However, real estate is also increasingly affected by risks from climate change. Four Twenty Seven applied its scoring model of asset-level climate risk exposure to GeoPhy's database of listed REITs holdings to create the first global, scientific assessment of REITs' exposure to climate risk.
The California Heat Assessment Tool (CHAT) earned the Project Merit: Climate Change Adaptation and Resilience award for its innovative approach to helping public health officials, health professionals and residents understand what changing heat wave conditions mean for them, through a free online platform. CHAT is part of California's Fourth Climate Change Assessment, a state-mandated research program to assess climate change impacts in California, and was developed by Four Twenty Seven, Argos Analytics, the Public Health Institute and Habitat 7 with technical support from the California Department of Public Health.
The European Bank for Reconstruction and Development and the Global Centre of Excellence on Climate Adaptation initiative on Advancing the TCFD Recommendations on Physical Climate Risks and Opportunities earned the Advancing Best Practices: Climate Change Adaptation and Resilience award. This project culminated in a conference and report building on Taskforce on Climate-related Financial Disclosure (TCFD) recommendations and providing common foundations for the disclosure of climate-related physical risks and opportunities. It identifies where further research or market action is needed so that detailed, consistent, industry-specific guidelines can be developed on the methodology for quantifying and reporting these risks and opportunities. Four Twenty Seven and Acclimatise provided the technical secretariat that led the working groups and authored the report.
January 15, 2019 – 427 REPORT. Building resilient communities and financial systems requires an understanding of climate risk exposure, but also of how prepared communities are to manage that risk. Understanding the adaptive capacity, or ability to prepare for change and leverage opportunities, of the surrounding area can help businesses and investors determine how exposure to climate risk is likely to impact their assets and what the most strategic responses may be. This report outlines Four Twenty Seven's framework for creating location-specific actionable assessments of adaptive capacity to inform business and investment decisions and catalyze resilience-building.
Every investment, from real assets to corporate initiatives, is inextricably connected to its surrounding community. From flooded or damaged public infrastructure hindering employee and customer commutes to competition for water resources threatening business operations and urban heat reducing public health, the impacts of climate change on a community will impact the businesses and real estate investors based in that community. Thus, evaluating how acute and chronic physical climate hazards will affect local communities and communities' responses enables investors and corporations to assess the full extent of the risks they face.
This report, Assessing Local Adaptive Capacity to Understand Corporate and Financial Climate Risks, outlines Four Twenty Seven's framework for capturing a city's adaptive capacity in a way that's actionable for corporations seeking to understand the risk and resilience of their own facilities and for investors assessing risk in their portfolios or screening potential investments. The framework focuses on three main pillars: 1) awareness, 2) economic and financial characteristics, and 3) the quality of adaptation planning and implementation. It is informed by social sciences research, recent work by credit rating agencies, and our experience working directly with cities and investors.
While a city's adaptive capacity plays a key role in determining whether or not exposure to climate hazards will lead to damage and loss, cities are also likely to find that their resilience to climate impacts is an increasingly important factor in attracting business and financing, as adaptive capacity is more frequently integrated into credit ratings and screening processes. It is valuable for both cities to understand how investors are interpreting adaptive capacity and for investors to understand which factors of local adaptive capacity translate into increased resilience and reduced financial loss for their assets.
Key Takeaways


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Hi All
So doing the same install in this speed3, the member wanted to keep his LCD screen so here is the way I did it.
1. First off when you remove the deck there are three harnesses and the radio antenna, the harness on the far right with the black fabric tape is the harness for the LCD. Note this as you will re-connect this to LCD when complete.
2. Connect stock deck and harness back to the car and set the time then ONLY DISCONNECT THE OEM DECK NOT THE LCD if you disconnect the LCD again you'll loose the time setting and have to take everything apart. Just let the LCD hand there while you work on the mount.
3. Now I removed the bracket from the OEM deck (very easy to do there are 8 screws to undo. Once screws are gone just slide the bracket off the face plate of the stock deck will come off don't worry this is normal.
4. On the top of the harness are two (ears I call them) this is what I used to mount the LCD harness back to the aftermarket deck.
6. Now I did a test fit and found the LCD sat too far forward if I mounted it to the screw holes used for the dash kit so you can see above the engraved square I carefully drilled out a hole that was already there to make it a touch bigger.
7. I cut them out and mounted them to the deck and then mounted the dash kit on top if them. If you look behind the dash kit you can see the size of the pieces I cut from the original bracket in step 4.
8. Here is the LCD mounted.
9. Here it is installed.
Not saying it's the best way but it worked for me.
Feel free to ask any questions.


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JUST IN: House Democrats Introduce Contempt Resolution For AG Bill Barr, Former White House Counsel Don McGahn
Bill Barr, Don McGahn
House Democrats officially introduced a resolution to hold Attorney General Bill Barr and former White House counsel Don McGahn in contempt for defying congressional subpoenas.
The contempt resolution will give House Judiciary Chairman Jerry Nadler (D-NY) the opportunity to go to court to seek civil enforcement of the subpoena to force Barr to turn over Mueller's unredacted report and the underlying intelligence, as well as for Don McGahn to turn over documents and publicly testify.
The House is expected to vote on the resolution on Monday.
The Hill reported:
The resolution also gives any committee chair the rare power to go to federal court to seek civil enforcement of subpoenas, both current and future orders, so long as they are granted approval by the Bipartisan Legal Advisory Group.
The House Rules Committee is expected to mark up the resolution to hold Barr and McGahn in contempt on Monday, according to a Democratic congressional aide, and the full House is slated to vote on the resolution Tuesday.
Recall, Nadler subpoenaed Bill Barr for the full, unredacted Mueller report, the underlying evidence and secret grand jury material in April.
Bill Barr followed the law and released a redacted version of Mueller's report — Barr cannot release grand jury material because it is prohibited by law to disclose people's names who have not been indicted.
A less redacted version of Mueller's report is available to select law makers, including Nadler, to be viewed in a SCIF [Sensitive Compartmented Information Facility] however the Democrats are rejecting this arrangement because they won't be able to leak information to their stenographers in the media.
The House committee has also subpoenaed former White House counsel Don McGahn, however he refused to testify, citing a legal opinion released by the DOJ arguing he was immune from testifying because he was one of President Trump's advisors.
At this time, Democrats are only perusing civil contempt, however they will pursue additional criminal contempt if they find behavior that "egregious enough" according to a Dem aide, The Hill reported.


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In January 1995, three EMDs and four GEs, all in red and silver, pull an eastbound Santa Fe stack train over the many hogbacks between Sunshine and Winslow, AZ. The crew is approaching the end of ... (more)
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Jimmy Saville scandal: 'Teenage girls not too young'
A DAMNING leaked email claims the reason Newsnight editor Peter Rippon axed the inquiry into Savile was because he said it was "40 years ago" and the "girls were not too young".
The email, from Newsnight reporter Liz MacKean and obtained by Channel 4 News, recalls the reasons Mr Rippon gave her at the time for shelving the report.
She accused Mr Rippon of backtracking after commissioning the story.
She wrote: "Peter Rippon keeps saying he's lukewarm about it and is trying to kill it by making impossible editorial demands."
More embarrassingly for the BBC, she went on to outline what she said were the excuses he used.
She wrote: "When we rebut his points, he resorts to saying: well, it was 40 years ago...the girls were teenagers, not too young... they weren't the worst kind of sexual offences etc.
"He hasn't warned BBC1 about the story so they're beavering away on the special, oblivious."
He hasn't warned BBC1 about the story so they're beavering away on the special, oblivious
The BBC said last night: "The BBC has launched an independent review led by former head of Sky News Nick Pollard which will cover these questions."


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Thread: Trump to allow one million more unwanted border crossings before closing border
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Trump to allow one million more unwanted border crossings before closing borderSEE: Trump backs off threat to close border, a day before visit to California
Apr 04, 2019
President Trump backed off his threat to close the border with Mexico, one day before he travels to California to highlight what he is calling an immigration crisis.
Were going to give them a one-year warning, Trump said Thursday, referring to Mexico.
Let us not forget that that Trumps own top border officials, judging from current unwanted border crossing numbers, expect one million unwanted border crossings will occur this year LINK, and American citizens will suffer the devastating social and economic impact of this invasion.
So, as it turns out, President Trump has finally proven to be all wind and no sail when it comes to stopping the ongoing invasion of our border, not to mention he will be at the helm of power during the largest surge in unwanted border crossings.
Let us also remember that our Freedom Caucus has stood by in silence and has allowed the open border Republican Cabal [which includes Newt Gingrich] to scare President Trump into not closing the border down and falsely advising him of the catastrophe a shutdown would bring, convincing President Trump into this traitorous act of submission.
The fact is, our border has been closed three times in the past and the economic calamity now predicted by turncoat Republican leaders, did not happen. Mexico benefits more than the United States in our present trade relation, and by $ 63 Billion a year. It would only take closing the border for a few days or a week at the most, to bring Mexicos President to his senses and have Mexico end the care and transportation of Central Americans as they pass through Mexico, on their way to burden the United States.
The bottom line is, if Trump carries through with allowing one million more unwanted border crossings to occur this year, it will be his undoing and open the door to be primaried. There is no sense in having a wall if Trump allows unwanted border crossing through its big beautiful door.
It was April of 2019 when an ongoing invasion of Americas borders swelled to tens of thousands a month, not a shot was fired to defend the borders of the United States, and Americas domestic enemies ___ socialists, communists, anarchists and globalists in Congress ___ continued with their obstruction against securing Americas borders and refused to pass laws allowing an immediate repatriation of undesirable foreigners who were invading Americas borders .
Rancher John Ladd drives along the border fence separating his ranch in Cochise County, Arizona, from Mexico on March 2. (Brian van der Brug / Los Angeles Times)
@ Trump backs off threat to close border, a day before visit to CaliforniaNO AMNESTY
Don't reward the criminal actions of millions of illegal aliens by giving them citizenship.
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Team puzzle adventure
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Treasure Hunt Liverpool is a trading name of Treasure Hunt Tours Ltd, a company registered in England and Wales.


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Weekly on Mondays
Seattle Gaymers is excited to bring you our weekly Queer Board Gayme Night, hosted every Monday at Raygun Lounge!
First time? Don't be shy! Grab a name tag, write down your pronouns, and take a seat! No gaymer will be left gaymeless for too long. Don't hesitate to grab some idle players to start a new one! More of a talker? There's always at least one person floating around if you just want to chat for a bit.
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Please no outside food or drinks.


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Saint Michael the Archangel is the patron of the sailors in Normandy. Myth goes that in 708 he instructed bishop of Avranches to build a church on a rocky island now known as Mount Saint-Michel.
This statue of Saint Michael can be found in the small church of the village Blosseville. In Renaissance style, he's depicted as a pround angel in magnificent armour with grand wings, holding a spear subdueing the devil.
The church itself is a highly recommended visit. It's very organic of structure, expanded over time without a set plan. A very basic and unpolished interior makes it a real atmospheric decor.
Date: 02/11/13
Views: 169