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THOUSANDS of buyers of property in Cyprus facing the threat of a bank chasing them for someone else's spiralling debt, or for repossessing property for which they had paid in full, can fight back using a little-known consumer protection law, and, in the process, radically transform the whole property market.
property buyers can make a claim for misselling
Under a 2005 European Union directive on consumer protection that became Cyprus law in 2007, property buyers whose purchase was encumbered by a developer's mortgage or other charge without their knowledge, can make a claim for misselling. If upheld, that claim would see the original purchase agreement declared void.
The Unfair Commercial Practices Directive 29/2005/EC, which was introduced into Cyprus law as Law 103(1)/2007 on July 18, 2007, states that it is a violation for a business to omit or hide material facts from buyers, which if had been made known, would have influenced the buyer's purchasing decision.
A question to the European Commission tabled in the European Parliament (EP) last week by British MEP Daniel Hannan says that "it is clearly a material fact that the property being purchased has a developer's mortgage on it, and that in the event of the developer being forced into liquidation, buyers could potentially lose their homes. This fact is systematically hidden from potential buyers by developers."
The European Parliament question continues: "Cypriot banks even grant mortgages to buyers without informing them that the developer may also have a prior mortgage of his own on the property."
The Cyprus property market has failed to recover
The property market in Cyprus, which practically stagnated when the economic crisis hit home, has noticeably failed to recover in areas such as Paphos that have previously relied on British nationals buying holiday or retirement homes.
A major factor in this absence of recovery is a growing awareness of the long-standing legal and bureaucratic mess surrounding the issuing of Title Deeds, compounded by an increasing number of reports of sharp practice by developers, lawyers, estate agents and banks.
The British High Commission in Cyprus and a number of British MPs have been inundated with complaints from British nationals relating to the purchase of property in Cyprus. The current UK government is aware of those problems, and recently recommended to the Office of Fair Trading (OFT) that it investigates the question of misselling in relation to EU directive 29/2005/EC. Some of the larger developers regularly market their services in the UK at foreign property fairs, either directly or through agents, so the OFT would be able to take action against anyone found to be breaking the law.
The body named in Cyprus Law 103(1)/2007 as the competent authority for not only enforcing the law's provisions, but also to actively take steps to change the prevailing attitudes that result in misselling and other unfair commercial practices, is the Commerce Ministry's Competition and Consumer Protection Service (CCPS).
Cyprus Property Action Group (CPAG) representative Denis O'Hare told the Sunday Mail that when he contacted the CCPS to ask how it was implementing the law in relation to property, he was told that "it does not cover immovable property".
However, the definition of terms contained in the law defines "product" as "any goods or service, including immovable property, rights and obligations".
Immovable property necessitates positive obligations on traders
Further, the EU directive clearly states that not only is immovable property covered, member states are expected to introduce additional laws or regulations to ensure this, Paragraph 9 in the Preamble says: "Financial services and immovable property, by reason of their complexity and inherent serious risks, necessitate detailed requirements, including positive obligations on traders. For this reason, in the field of financial services and immovable property, this Directive is without prejudice to the right of Member States to go beyond its provisions to protect the economic interests of consumers."
The directive also states (preamble paragraph 22) that "it is necessary that Member States lay down penalties for infringements of the provisions of this Directive and they must ensure that these are enforced. The penalties must be effective, proportionate and dissuasive."
Under Law 103(1)/2007. when the CCPS discovers a breach, it has the power to do various things, including imposing an administrative fine of up to 5 per cent of the turnover of the person responsible, or a fine of up to CY£150,000 (€256,290). Anyone who hinders the CCPS's work is guilty of an offence punishable with a maximum fine of CY£50,000 (€85,430) or a 6-month prison sentence, or both.
A lawyer who is very familiar with the Cyprus property market told the Sunday Mail that "to my knowledge, the 2007 law has not so far been used", and despite its having been published in the Government Gazette, did not think many lawyers – let alone consumers – would even be aware of it.
The lawyer said that the issue of misselling property by omitting crucial facts was clear-cut, and the first line of protection was reliable legal advice: "You should be explained the law in Cyprus, you should be explained your rights, you should be explained what is involved in the deal, and then as a responsible adult, you make your decision."
The Competition & Consumer Protection Service are obliged to act
Regarding the CCPS's responsibilities as the competent authority, he said: "Once a claim has been lodged with the CCPS, they are obliged to investigate." If the CCPS were to fail to act, an alternative would be to make a proper claim to the courts, asking for an agreement believed to be based on misselling to be voided, "As soon as you get a judgement in your favour, you would then ask for a remedy, which would include a claim for damages to cover monies paid, compensation, etc.", the lawyer said,
He added that, depending on the details of each case, a separate request might be needed to oblige a developer to assume liability for repayments under a mortgage agreement covering the purchase of a property.
O'Hare was unequivocal about who needs to act: "The competent authority is the CCPS, They are the ones who must enforce the law, and must rule on whether or not misselling has taken place, It's black and white – the law is there to make sure that consumers are aware of things that might dissuade them from entering into a purchase agreement."
The implications for the Cyprus property market are huge
He added: "Now that we know that misselling is a crime in Cyprus law, will the CCPS ensure that this behaviour is stamped out? Not to do so would be to compound the original crime." The implications for the Cyprus property market are huge.
Proper enforcement of Law 103(1)/2007 may well drive a number of unscrupulous developers out of business, quite apart from the prospect of the banks having to deal with their own liability and at the same time sort sound loans from the unsound from among the estimated €7 billion in property- related mortgages.
One major bank is already having to deal with its sizeable exposure to one developer said to be facing financial difficulties, compounded by unconfirmed allegations of the misselling of Swiss franc mortgages to purchasers of property from that developer.
What is certain for many property-buyers today is that the current situation simply cannot be allowed to continue unchecked.
Readers' comments
Comments on this article are no longer being accepted.
The only way for Cyprus to sort out it's massive property problems is for someone in the Government to show some guts and integrity and set up a forward thinking, proactive working group, with a mandate for change and action.
Otherwise Cyprus is sunk without it's holiday and expat generated income. It will make Greece look wealthy.
How does one go about applying for 'Doctrine of Part Performance' and do you know how much it costs?
It seems to me this is the better route to secure ownership and protect ones assets.
Presumably I would have to use a solicitor?
Best Regards
Peter Ruse is correct in saying that contacting your MEP and MP is a must. The only way to try and keep the whole issue of property sales alive is to keep lobbying and force the issue.
i have already sent a note to my MEP updating him on the latest consumer protection info
The SH one T is about to hit the fan.
Yes the Cypriot jackals will try to wriggle out of this any way they can, but it's our job to keep the pressure on, so write to your MP and MEP's using this website http://www.writetothem.com/ or via the address given on the BHC website.
Paste a link to this article in you contact so that your MP and MEP's can read it themselves.
The key is to do it now!!!!
Paul, if you use the system of 'misselling' all that happens is the contract is cancelled as void. So you get the €50k you paid for the villa in 1998 and the villa which is now worth considerably more is returned to the developer, so he's quids in and you're homeless.
It is better to use the 'Doctrine of Part Performance' to force through the sale and make you the legal owner by using the court to order the title deeds be transferred into your name. This is an 'equitable remedy'.
What is wrong is that it will cost the buyer even more money to get their rights, and the lawyers are in a win win situation when it is the lawyers who are responsible for this mess.
The other thing to do is go for the lawyer (recommended and already been done by one expat couple) but the case will drag on for several years. What is needed is a war chest so that no one individual is put to the expense, and then pick the lawyers off one by one, until the "Pips Squeak"
But as I've said all along buy in Cyprus and you will lose your home, your capital, and your sanity.
My wife bought a lot in Limassol Ayios Athanasis about fifteen years ago but unfortunately we live in Canada and we were hoping to return to Cyprus for our retirement. We tried to sell it for more than a year so far without any results . To our astonishment we found out the main reason why id wasn't easy to sell it was probably no title deed given by the seller developer at that time and that our next door neighbour who is Doctor infringed in our property rights and took a big part of it without any permission ,and without asking us. I would like to Know if there is anything we can do to force him out of our property.
It looks like in Cyprus the law of Jungle and the law of the powerful supersedes any Cyprus state laws.
Τα μεÃα η ΘεÃη και η δÃ…ναμη ÄÉν ιÃÇÅÃÂÉν αγιαζοÃ…ν Äον ÃκοÀον, αδικοÃ…ν Äο αδÃ…ναÄο ανθÃÂÉÀο και Äον εξεÅÄελλιζοÃ…ν ÇÉÃÂι να μÀοÃÂει ο αδÃ…ναÄο να βÃÂει Äο δικαιον ÄοÃ… Äι ÀεÃÂιÃÃοÄÃÂε ÆοÃÂεÂ. Θα Ãα ÀαÃÂακαλεÃă εαν Ãα ειναι δÃ…ναÄο να μα ÃÆ'Ã…μβοÃ…λεÅÃεÄε Äι,και αν μÀοÃÂοÃ…με να κανοÃ…με καÄι , ÃĀην ÀεÃÂιÀÄÉÃη αÅÄη Äη αÃÂÀαγη μεÃÂιδιοÃ… Äη ÀεÃÂιοÅÃια μα αÀο ενα ενÄιμο δηθεν ÀολιÄη.!
Sincerely Nondas Epaminonda
Well we can all read the above, and it's there in black and white.
Now is the time to get onto your Euro MP your UK MP the press not just newspapers TV and radio.
Strike while the iron is hot, don't wait, do it now! Or loose it. Doing Nothing is what they are relying on.
Remember Conner Odwyer, he is probably worn out. He deserves your full support now, not I'll do it later now!
Charles – this article will give thousands of house owners immense hope and relief. It sounds so easy and straight forward doesn't it?
In reality, what will really happen…
Thousands of complaints will be lodged with the CCPS which will be investigated and take another 5-10yrs. There will be nothing the EU can do to speed up the process!
Mean while..as we speak, developers & Lawyers are probably moving their money into other bank accounts (probably overseas banks) and transferring anything they own into other family members names.
When the CCPS finally bring the developers & lawyers to court. They will have to declair themselves bank rupt as they cannot repay any outstanding debts or fines.
A small prison sentence will be imposed. No big deal really.
….back to square one. House owners may be forced to lose their rightful property!
What Cyprus has been doing for years is a type of Ponzi scheme (scam)
Can this law be enforced retrospectively (Law 103(1)/2007 on July 18, 2007).
Will this law provide protection for those who were missold prior to that date. What happens if the developer is declared bankrupt in the meantime.
The object of using the 'misselling' is to 'void' a contract. In voiding a contract the court will return the parties back to the period prior to the contract, as if the contract never happened.
If for instance you have paid €200,000 for your home the court will order the builder to return to you the €200,000, it may or may not also order costs be paid by the builder.
In other words it will delete the contract as if it never happened. There is a difference between a contract that is avoidable and a void contract.
So you get your €200,000 back from the developer and the property is returned to him, problem is he doesn't have the €200,000 he used it to buy a new BMW each year and keep his wife in opulence, and you can't get blood from a stone.
So you return the property to him, as you don't get to keep the property and have the €200,000. So you now have no where to live.
So the developer resells the property which has been returned to him at an inflated price, as property has gone up in value. So you've given your house away, but do you think your original €200,000 will be returned…..Correct another brand new BMW in his garage.
But this is Cyprus after all.
The views expressed in readers' comments are not necessarily shared by the Cyprus Property News.


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| Find information related to your body armour just here at one place. How bulletproof vest is made, what protection level you need, what size is fit to your body! All answers just at one place. Hard shell is a manufacturing company who manufacture Berry Compliant armour products. This blog help you know more about them.
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In the name of the father
Filmreferat fra "In the name of the father".
|Lastet opp:
The movies about the conflict between the Catholics in Eire (The Republic of Ireland) and the Protestants in Ulster (Northern Ireland) and in England.
The main character is an Irish man called Gerry Conlon and all his family and friends. Especially his old friend from high school, Paul Hill. After Gerry has gotten into a lot of trouble in Belfast he decides to travel to London where he stays with some old friends who lives there.
One day when Paul and Gerry are at the wrong place at the wrong time, a bomb goes of and Gerry and Paul get arrested even though they havent done it. But the police use violence and threats to make them confess to have blown up the place. They confess and in court they are sentenced to life time in jail. Gerrys father gets15 years behind bars and almost Gerrys whole family has to go to jail for something they hadnt done. Gerrys father also dies in jail. And after his death Gerry starts his fight for justice and getting out of jail. Later a female lawyer called Gareth Pierce finds evidence which proves their innocence and in court they all get their freedom back.
This is a true story and I think the police and the judges all should get fired and imprisoned because of the way they treated that case. No one deserves to go to jail for something they havent done. I personally liked the film and I think it was really sad when Gerrys father died.
Kommentarer fra brukere
En gang i blant skrives det kommentarer som mangler seriøsitet eller som ikke har noe med oppgavens tema å gjøre. Hjelp oss å rydde! Klikk 'varsle' nederst til høyre på de meldinger du mener må bort. Så fjerner redaksjonen kommentarene etter hvert.
Legg inn en melding!
Obs! Meldinger som ikke omhandler oppgavens innhold slettes. Det samme gjelder meldinger uten stor grad av saklighet.


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Avis Budget Group Acquires Payless Car Rental
Destination & Tourism Avis Budget Group Mimi Kmet July 15, 2013
Avis Budget Group, Inc. has acquired Payless Car Rental, the sixth largest car rental company in North America, for approximately $50 million in cash. The Payless brand will position Avis Budget Group in the car rental industry's value segment, according to the company, which positions its Avis brand in the premium category and its Budget brand as mid-tier. Avis Budget plans to operate Payless as a separate brand.
Avis Budget said it will realize "significant cost savings as a result of the transaction, primarily from lower vehicle depreciation, reduced fleet interest expense and administrative cost synergies," according to a company statement.
"Payless expands our global footprint, enables us to support Budget's mid-tier brand positioning, and gives us greater flexibility to capitalize on opportunities in an additional segment of the car rental market in order to help accelerate our growth," said Ronald Nelson, Avis Budget Group's chairman and CEO, in a statement.
Payless was founded in 1971 and has approximately 120 rental locations. Similar to Avis Budget Group, Payless corporately operated, as well as licensee-operated locations. The brand generates approximately $80 million in annual revenue.This is Avis Budget Group's second acquisition this year. In March, the company completed its acquisition of Zipcar, a U.K.-based car-sharing service.
Doyle Gunnell, global project manager – ground transportation, Carlson Wagonlit Travel – Global Solutions Group told TravelPulse.com that "this specific acquisition will likely result in higher prices in the leisure segment. Prices in this segment began rising in the fourth quarter of 2012 and the trend has continued throughout the first half of 2013; however corporate pricing remains very competitive. It's possible that this acquisition would contribute to a faster rate of increase in the leisure segment, but we have yet to see if it will also impact pricing in the commercial segment."
For more information on Avis Budget Group
For more Destination & Tourism News
More by Mimi Kmet
You may use your Facebook account to add a comment, subject to Facebook's Terms of Service and Privacy Policy. Your Facebook information, including your name, photo & any other personal data you make public on Facebook will appear with your comment, and may be used on TravelPulse.com. Click here to learn more.LOAD FACEBOOK COMMENTS


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Arun Singh is an accused within the criticism filed by the Unnao rape survivor's household
The automobile smash in Uttar Pradesh that left a teen rape survivor critically wounded and two of her household dull might perchance additionally merely respect extra than one BJP connection, in step with the police criticism. The smash that took build on Sunday between the Unnao rape survivor's automobile and a speeding truck with its quantity plate wiped is being investigated by the CBI.
The principle focal point of the First Files Yarn (FIR) filed by the uncle of the rape survivor after the smash has been on BJP lawmaker Kuldeep Sengar, the first accused of raping the teen.
A nearer look of the names on the FIR shows that another BJP leader is an accused within the smash.
"Accused no. 7" within the FIR, Arun Singh, is a BJP employee and a block president in Unnao, the build of foundation of the rape survivor. Arun Singh is shut to Kuldeep Sengar.
In photos and movies from the 2019 national election campaign, Arun Singh might perchance additionally merely additionally be considered standing subsequent to top BJP leaders fancy celebration chief Amit Shah and Unnao BJP MP Sakshi Maharaj.
Arun Singh is the son-in-rules of Uttar Pradesh minister Ranvendra Pratap Singh aka "Dhunni Bhaiyya"; Mr Singh is the minister accountable of agriculture, agriculture education and review within the Yogi Adityanath-led BJP executive.
The smash that took build on Sunday between the Unnao rape survivor's automobile and a speeding truck with its quantity plate wiped is being investigated by the CBI
Ranvendra Singh is a BJP lawmaker from a seat within the Fatehpur district – the similar build to which the truck's proprietor and driver belong. To this point, on the different hand, there's no such thing as a evidence to connect Singh senior to both of the 2.
The FIR, now replicated by the CBI, notes that Arun Singh and others had been threatening the rape survivor's household to establish out and tension them into withdrawing the prices in opposition to Sengar.
"CBI is investigating the subject. All the issues will be particular within the investigation. He's my relative there might perchance be absolute confidence it, nevertheless that's not against the law," Ranvendra Singh acknowledged.
The teen alleges that she modified into as soon as raped by Sengar and his aides when she went to his dwelling in 2017 on the promise of a job. The lawmaker modified into as soon as arrested in April final year nevertheless the trial is yet to originate. The snort administration modified into as soon as accused of going slack on the investigations in opposition to the powerful legislator.
After over a year of zero circulate on the case, it resurfaced after the deadly automobile smash that the rape survivor's household alleges modified into as soon as orchestrated by Sengar.
On July 12, the household had written to Chief Justice of India Ranjan Gogoi alleging "grave hazard" to their lives which capacity of threats.
Score Breaking news, stay coverage, and Most in vogue Files from India and across the world on NDTV.com. Elevate the complete Stay TV circulate on NDTV 24×7 and NDTV India. Love us on Facebook or note us on Twitter and Instagram for most in vogue news and stay news updates.


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Fleming Rutledge is a preacher and teacher known throughout the US, Canada, and parts of the UK. She is the author of eight books, all from Eerdmans Publishing. Her most recent book, The Crucifixion: Understanding the Death of Jesus Christ, is the product of the work of a lifetime and is being described as a new classic on the subject.
One of the first women to be ordained to the priesthood of the Episcopal Church, she served for fourteen years on the clergy staff at Grace Church on Lower Broadway at Tenth Street, New York City.
Fleming and her husband celebrated their 50th anniversary in 2009 and have two daughters and two grandchildren. She is a native of Franklin, Virginia.
Discerning God's Work In The World: Tips From The Times For Preachers: Phyllis Diller has a tip for preachers
Wednesday, August 22, 2012
Phyllis Diller has a tip for preachersNot being a Phyllis Diller fan (especially the plastic surgery bit), I did not pay much attention to her obituaries. However, I overheard part of an interview she gave to NPR some years before she died. I was surprised to learn how intelligent she was about the use of language. She was speaking about the importance of endings in a comedy routine, or even a one-liner. You want to use sharp consonants at the ending, she said, "like pop! puck! cut!" (I forget the other examples she gave. Obviously she could not use four-letter words on the air.) Then she said that you should avoid mellifluous words like "lavender" and, yes, "mellifluous." (In politically incorrect days, this point was related to "masculine"[strong] and "feminine"[weak] endings of sentences or musical phrases.)
I was amazed by the acuity of this. Obviously, Ms. Diller's dicta are not directly related to preaching, but stretching her points a little bit reminded me of how constantly disappointed I am by the lack of attention that many preachers give to the endings of their sermons. I have the impression that they spend so much time doing their introductions and illustrations that they have no energy or confidence left for the construction of endings with real punch. Sermons tend to dribble off with no surprise or "pop." As someone (Wesley?) said long ago, a preacher should deliver a sermon as if someone's life depended on it. In the case of most (not all, I hasten to say) sermons that I hear, the endings are timid. The preacher is not really risking anything. S/he is not attempting to "close the deal"--a move that involves personal hazard--the very real possibility of rejection.
Something to mull over, perhaps?
Permanent Link for this Post: http://tips.generousorthodoxy.org/2012/08/phyllis-diller-has-tip-for-preachers.html


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Use your computer to play War Brokers (.io). Or try one of the games below!
War Brokers (.io)
War Brokers is an intense .io FPS game with various military vehicles and missions. You can customize your player's weapons and vehicles. In each game, you must complete the mission to bring your team to victory. Work together with your teammates and make use of awesome tank, helicopter, and APC!
- WASD or arrow keys to move or drive
- Left click to shoot
- R to reload
- Space bar to jump
- M to access menu
- ` to open leaderboard


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Happie 30th birthday to me!
Hitting the big3, all ready for the commitments coming our way. Not forgetting the adventures that I'll be in for the next 30 years.
Gong Xi Gong Xi to everybody too!
May everyone have a great & blessed 🐔🐔🐣🐣 year ahead.
Tradition of CNY: Must drink the homemade cheng teng with Jelly made by momma.
#dayrefatties #dayrefoodie
With my momma dearest!
And yes, my momma is shorter than me by a lot. My daddy is actually 1.9m. When I was 12, I was standing at 1.6m. KOR & momma were so afraid I'll be too tall for SG guys but thank God, I grew 1cm each year in secondary school & ended up being only 1.65m.
They look so adorable wearing the brother tee that I've gotten from Europe!!
I love this home made mee sua that Bigman's grand momma will make every year during CNY. This is like a highlight for CNY too.
#OOTD for CNY Day 1 in #LBOOTD! Fully decked in #LoveBonito.
Posted this up to IG instead even thou I prefer the previous photo, regret!!
This is the 5th year I'm giving out angbao but I'm still being blessed by the love ones around me. Very thankful for their kind gestures every CNY.
Birthday dinner was Indian Rojak & Prata.
Bigman wanted to bring me to town & have a good meal but I think he's tire from all the rushing from reunion dinner & the 4 places that we went this morning/afternoon. He has to work early in the morning till afternoon tmr. So I decided to come home to rest & spend quality time together. We didn't know what to eat for dinner so when he suggested prata & curry, I'm like yayness!!
This is a CNY must-have since I was a kid. The packaging this year is so prettie!!


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It's that time of year again... Races!News
31 May 2018
Well it's that time of year again, the sun is shining and that could only mean one thing – the races! What better way to spend a Wednesday afternoon than saying hello to familiar and new faces, drinking pints and hedging our bets!
The day started as usual in the Matter studio, with everyone busy finishing off their work. But with the sun shining through the windows and the time nearing 1, the team became restless – time to call it a day and head to the pub!
Dana, our newest recruit who will be starting her placement with us June, managed to come down from Nottingham for the day – did she know what she was getting herself into?! James did, who for some reason wants to come back and join us full time after his final year…
We made our way over to The Hare & Hound. With its stunning views and great food, it was the perfect lunch spot. It was also prime time to pretend we knew anything about horse racing, and plan some tactical betting.
We also had a guest appearance from Lottie and little Bertie who are both doing well. With our bellies full with some amazing food and beers, and the betting "experts" emerging from within us, we headed over to the racecourse.
There were a lot of different betting tactics on show, some which paid off and many that left our wallets feeling a little (or a lot) lighter.
Amidst all the races there was also time for a quick photoshoot with Lord Bossington after a failed attempt of getting into the owner's enclosure.
Despite the blue skies it was pretty cold, and as the last race drew to a close most of us were left huddled around the bar inside. Taxi!
Back in the City Centre we headed to The Boater for some more drinks in the warmth, as the night pushed on people slowly dropped off having to catch the last train home. The commuters were advised not to fall asleep on the train and end up in Taunton…
The last decision of the day for the remaining few– McDonalds or Taka Taka? A massive thank you to Matt and Row for organising the day out!


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Vogeler, Jody
Vogeler, Jody
Position Type:
Job Title:
Courtesy Faculty
Forest Ecosystems & Society
Office Location:
B.S., 2005, University of Missouri, Columbia (Department of Natural Resources)
M.S., 2011, University of Idaho, Moscow (Department of Fish and Wildlife Sciences)
Ph.D., 2014, Oregon State University, Corvallis (Department of Forest Ecosystems and Society)
Research Interests:
- Remote Sensing
Combining field collected data with remote sensing tools (e.g. lidar and Landsat time series products) to better understand and characterize wildlife habitat relationships for research, management, and monitoring purposes; examining post-disturbance avian cavity-nester ecology; creating maps of forest characteristics using remote sensing data sets important for multiple applications.
Selected Publications:
- Vogeler, J.C., Z. Yang, and W.B. Cohen. 2016 (Invited). Mapping post-fire habitat characteristics through the fusion of remote sensing tools, Remote Sensing of Environment, 173: 294-303.
- Vogeler, J.C., and W.B. Cohen. 2016 (Invited). A review of the role of active remote sensing and data fusion for characterizing forest in wildlife habitat models, Revista de Teledetección, 45: 1-14.
- Vogeler, J.C., Z. Yang, and W.B. Cohen. 2016. Mapping suitable Lewis's woodpecker nesting habitat in a post-fire landscape, Northwest Science. 90(4).
- Kline, J. D., M. E. Harmon, T. A. Spies, A. T. Morzillo, R. J. Pabst, B. C. McComb, F. Schnekenburger, K. A. Olsen, B. Csuti, and J. C. Vogeler. 2016. Evaluating carbon storage, timber harvest, and potential habitat possibilities for western Cascades (US) forests. Ecological Applications.


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IVolunteer International helped Salvation Scarves by giving us a platform to reach out not only for more donations but also a conversation starter for other charities to hopefully start an organization where the attention is on the Homeless population with the only goal of helping them and hopefully ending homelessness.
We relied on IVolunteer International in providing us 50 volunteers to manage the on site logistics of the conference. The conference was a success because of the amazing work of the volunteers, always smiling and making sure that the participants go through the best experience ever. IVolunteer International is an amazing organization made of wonderful people, we will continue our partnership for the future events!
IVolunteer International has provided us with 50 amazing, hardworking volunteers who were irreplaceable asset of the conferrence. That was an amazing group of motivated and highly performing people who met for the first time and acted as a team that works together for years, giving the participants the best experience ever. A big THANK YOU, IVolunteers and keep up with good work! We greatly appreciate it!
IVolunteer International was vital to the success of Geekend 2019. They took charge of our entire volunteer organization process, from recruitment to follow-up to orientation to execution. It was a true pleasure to work with an organization which is not only incredibly thorough and competent but also passionate about volunteering and volunteer advocacy. Our volunteer organization has not been well run in the past; IVolunteer International raised the bar several notches and made the difference between Geekend being just okay to a runaway success. I recommend them without hesitation and would absolutely work with them again.


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1. Are your Sample Packs Royalty Free? What is the General License?
Short answer: Yes, our sample packs are Royalty Free
You can read our general licensing terms and conditions here: Terms and Conditions for specifics
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Please check your SPAM Folder/Filter before contacting Customer Service. The subject line for order e-mails looks like this:
Should you have further trouble locating your order download link, contact Customer Service by clicking here OR manually retrieve your orders by clicking here
2. Can you recommend which drum kits or sample packs I should purchase?
We like our drums to hit hard and sound dirty, but we also have "clean" sounds & samples. All of our drum kits are hand selected or designed with hip hop & boom bap producers in mind. However, this doesn't mean that our sounds are limited to those specific genres. Our kits easily fit into Pop, Electronic, Dubstep, and numerous other genres. Our drum kits are designed to be timeless and cross-genre ready. With that being said, if you are looking for a particular "sound" use our contact form by clicking here. and well give you some recommendations.
3. I have a ton of drum samples and am interested in making my own kits. Would you sell my kit on your site?
Generally speaking, no. Unless you are well known producer or industry sound designer we probably won't carry your kit(s). Our goal is to provide the highest quality hip hop and electronic drum samples and libraries. By hand selecting our producers, sound designers, and kits we are able to quality control our sound library and keep our drums consistent and compelling.
Feel free to submit a resume and proposal via our contact form by clicking here.


text: From hieroglyphics to Leonardo Da vinci's Mona Lisa (Rennaisance period ) and to this day, 'art' is still revolutionizing and human by nature finds different ways to make a product of creative thinking. One form of art nowadays is "Fish Art" these kind of art can be done by many walks of life from different age group. Kids can start from sketching and to coloring different types of fish. While people "taxederming " fishes and puts framed on them and make them a la chandelier or even just making a carved fish out of a soap. What makes a better fish art comes from your unique imagination. So fish is not just good for eating they also make our mind yearn for more unorthodox thinking, in this case — A revolutionize art (Fish Art).


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Pan cels are drawings that contain more than one set of registration holes. Because pan cels are large, you cannot scan the entire image with one pass on the scanner.
Therefore, you must scan pan cels one section at a time (one set of registration holes at a time). After you scan each section of the pan cel, the application splices the sections together to create the original pan cel image.
There must be exactly eight inches between the centre peg holes (the round holes) for each pan cel and the peg holes must all align exactly. This is important if the Scan module must make slight seaming adjustments to compensate for angle differences when it joins all the pan cels to form one drawing.
To scan a pan:
|Launch the Scan module and load your drawing.
|Select the Pan Cel mode from the Control Panel:
The Peg Hole panel appears below the Image panel.
|By default, two pegs appear in the Peg Hole panel. If your pan cel has more than two peg holes, you can use the New button to add more of them.
|If you added too many peg holes, simply select a different format from the Mode button and reselect
Pan Cel again. The two peg holes reappear by default.
|Determine where peg hole A appears on your pan cel.
|Place the pan cel face down on the scanner glass with the round A peg hole placed on the round registration peg on the scanner or position it in the optical registration search area as defined earlier. Close the scanner cover.
|Select the peg hole you are scanning first from the Peg Hole panel.
|This procedure assumes you are scanning peg hole A first, then continuing scanning the rest of the peg holes in sequence.
|You can actually scan the peg holes in any order, as long as you make sure to select the lettered button in the Peg Hole panel that corresponds to the peg position you are scanning.
|Click on the Scan (A) button.
|You can click on the Stop button to interrupt scanning at any time. For more information on interrupting the scanning process, refer to the Scanning Drawings topic .
The scanner scans the first section of the pan cel and displays a preview of the scanned image above the A button in the Peg Hole panel.
|On the scanner, move the pan cel so that the peg hole B is on the round registration peg on the scanner or position it in the optical registration search area as defined earlier and close the scanner cover.
|Select the B radio button from the Peg Hole panel and click the Scan (B) button.
The scanner inputs the second section of the pan cel and displays a preview of the scanned image above the B button in the Peg Hole panel.
|Repeat these steps until you scanned all the panels of your pan cel.
|Click on the Save button once you have scanned all the drawings for the pan cel to form a single drawing.


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Michael began his radio career at 2GB in 2006 as the call-vetter for the Summer Mid-Dawn show. In 2007, 2GB asked him to join the team permanently and he accepted the role of Executive Producer of all Evening and Night programming, working alongside the likes of Murray Wilton, Philip Clarke and Brian Wilshire for just over 4 years.
His on-air career commenced full-time in 2011, when he was invited to host the Australia Overnight programme; a job which he's loved doing ever since.
Michael joins the 2EC line-up every weeknight from midnight.


text: Castillo Caribe, Caribbean luxury real estate, Snug Harbour, Grand Cayman, Cayman Islands is a 4,459m2 Snug Harbour luxury Single Family Home listed for sale 39,950,000 USD. This high end Snug Harbour Single Family Home is comprised of 8 bedrooms and 8 baths. Find more luxury properties in Snug Harbour or search for luxury properties for sale in Snug Harbour.


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It Pays to be Choosy
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Commercial & Specialty Finance
May 2015
Dave Kucera
Lending by nonbank financial institutions has grown dramatically over the last four decades. Today, there are thousands of independent nonbank financial institutions that collectively make up a multi-trillion market in the United States alone and, according to The Economist, over $70 trillion globally. Their specialized knowledge and expanding reach allow them to play an important role in ensuring that credit is allocated to sectors of the economy where it is most needed.
Today, nonbank financial institutions account for a substantial portion of lending in such vital consumer sectors as residential mortgage, student loans, and auto finance as well as lending to small businesses and mid-sized companies. Their presence in these sectors has grown dramatically during the first half of this decade. This is a direct result of the slow recovery of the bank lending market after the financial crisis and the ongoing consolidation in the U.S. banking industry.
The Economist notes that bank lending to businesses in the United States is still 6% below its peak in 2008 and bank lending to consumers has also shrunk. When they do lend, banks have tightened underwriting standards and have shortened the tenor of financing they are willing to provide. At the same time, the number of banks in the U.S. has fallen from more than 10,000 in 1994 to fewer than 6,000 today.
Nonbank financial institutions have stepped in to fill this void. They provide financing in many areas where banks no longer maintain expertise or are effectively restricted by regulation to limited roles. Changes in capital and liquidity rules have accelerated the disaggregation of commercial and consumer lending, reducing banks, presence in such sectors as C&I finance, segments of equipment finance, commercial real estate lending, and certain consumer lending businesses. At the same time, social media and continued acceleration of the digitalization of finance are also enabling newer, nimbler, and more focused lenders to gain market share, or in the case of peer-to-peer, introduce new business models. Finally, nonbank lenders serve investors looking for investment parameters that banks cannot address.
As a result of these trends, nonbank lenders are increasingly taking leadership roles in a number of sectors, including middle-market business lending, residential mortgage finance, and small business finance.
Lending to the Lenders
Unlike banks, however, nonbank financial institutions do not rely on consumer and commercial deposits to fund their lending activities. Instead, they turn to a wide range of investors, each of whom has its preferences for risk, duration and structure. Since the Great Recession, however, the capital flow to some nonbank lenders has be-come more constrained. This has been particularly true for middle-market and lower middle-market lenders, with AUM of $1 billion and below. Unfortunately for the economy, this is where much of the growth and innovation in the industry is occurring.
This situation has arisen for a number of reasons. For the larger nonbank lenders, the capital markets are still an efficient means of raising capital, but they are often less available, more complicated to access, more regulated, and more expensive for smaller, less frequent issuers. Reporting requirements, for instance, are more extensive, often necessitating costly and time-consuming system development. Some finance companies either lack the capability to create these systems or prefer not to disclose this information for competitive reasons. The rating agencies have also increased their standards, presenting yet another barrier for smaller, less seasoned and, often, less sophisticated companies. The net result is that capital markets' financing since the recession has been declined sharply, as demonstrated in the Historical Securitization Market chart below.
In addition to the headwinds from the capital markets, many nonbank lenders have also been confronted by the contraction of the so-called lender finance market. Prior to 2007, nonbank lenders received a significant share of their funding from the U.S. asset-backed commercial paper (ABCP) markets, which at their peak stood at $1.3 trillion. A large number of financial institutions, especially European banks, provided hundreds of billions in funding specifically to nonbank lenders.
For a number of reasons, including accounting rule modifications, deleveraging in response to rising capital and liquidity ratio requirements, increased reputation risk, regulatory burden and/or capital requirements, and a trend toward more "parochial" or local business strategies, the ABCP market has fallen to less than $300 billion, a drop of over 70% since 2007. Banks are focusing on businesses where there are better perceived competitive advantages.
Despite the capital markets becoming less accommodating and lender finance institutions retrenching, there remains a great deal of activity in the nonbank market. New nonbank lenders have continued to emerge, existing nonbank lenders are attempting to grow, and a number of former nonbank lenders have "restarted." The resulting increased competition has also increased the funding gap.
Fortunately for the players in this market, new sources of funding have gradually made themselves felt since the 2000s. Alternative investors such as pension funds, sovereign wealth funds, high net worth individuals, family offices, and insurance companies have established a variety of investment vehicles that can meet the capital needs of nonbank lenders. These new players hope to thereby earn a high risk-adjusted rate of return that provides diversification from existing investment strategies.
As a result, nonbank financial institutions are not feeling a credit crunch. Capital One Bank polled attendees at ABS Vegas in January 2014. Their general sense was that credit is available, though companies might have to work a little harder to get it, and the complexity associated with many financing options has risen significantly. Just 12 percent of the respondents said credit access was the biggest risk facing their companies. This concern was dwarfed by worries about increased regulatory requirements and expenses.
Finding the Right Partner
Nonetheless, complexity remains an issue, and nonbank lenders benefit from collaborating with a financing partner who can help them make better choices. What should nonbank lenders and specialty finance companies look for in that partner? The expertise to tailor solutions to the unique needs of lenders and investors and to access to flexible capital.
Ideal leverage partners for nonbank lenders should consist of knowledgeable, innovative professionals who specialize in serving nonbank clients. This is not as easy to come by as one might suspect. Experience counts. It takes years of experience for bankers to understand the unique dynamics of nonbank lending and to compile a track record of successful, tailored financing solutions.
This expertise exists on three levels. A partner should have a deep appreciation of financing alternatives, able to authoritatively evaluate, for instance, the advantages and disadvantages of turning to recourse or non-recourse structures in a specific situation or using special-purpose entities and structured finance techniques to lower risk and reduce funding costs. They should also understand the regulatory issues that nonbank lenders face, a major issue uncovered by the Capital One survey.
A financing partner must have deep industry knowledge. Nonbank lenders often work in highly specialized market niches. They need a counterparty that not only knows their sector, but also has experience structuring financing solutions tailored to these unique needs.
Finally, a financing partner must be willing spend the time necessary to learn the nonbank lender's underlying business. This means not just getting to know the management team, the organization's history, and its assets, but also the client's aspirations and the strategy it intends to pursue to build its business platform.
But having the right people with the right knowledge is only part of the equation. They also must be part of the right institution. Capital is a prime consideration. The ideal finance partner should have sufficient capital to sustain the relationship as the nonbank lender grows. Availability of other services is also an important issue. For instance, having a financing partner with a capital markets affiliate is useful; it potentially provides the nonbank lender with services that can help it underwrite debt, create asset-backed securities, or secure public or private equity financing.
It's Time to Be Experimental
As described above, the current market conditions are favorable for nonbank financial institutions to build their platform, assess different capital structures, review untested financing options, and identify financing institutions who are best suited to become long-term, solution-oriented partners that can assist in a broad range of needs. If a finance company can find a lender with the people and the institutional strength to become a long-term partner, it will have succeeded in putting in place a prerequisite for a more successful future.
Securities products and services are offered through Capital One Securities, Inc., a nonbank affiliate of Capital One, N.A., a wholly-owned subsidiary of Capital One Financial Corporation and a member FINRA/ SIPC. The products and services offered or recommended are not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank, and may lose value. TSL
Dave Kucera is managing director and head of the Asset Backed Finance Group at Capital One, which provides recourse and nonrecourse financing and other services to specialty finance companies and asset managers throughout the United States across a broad range of sectors.This article originally appeared in The Secured Lender


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Brilliant with a rich and persistent foam and fine perlage. Pale straw yellow
Fruity, flowery with scents of golden apples and exotic fruits. Dry, lightly alcoholic, fragrant, fresh, well balanced with intense scents of citrus fruits.
Tasting Notes
Fresh, delicate, fragrant and well-balanced
Food Pairing
Fabulous as an aperitif and in cocktails as well as with starters, first courses, fish and poultry
Returns and Exchanges
There are a few important things to keep in mind when returning a product you purchased. You can return unwanted items by post within 7 working days of receipt of your goods.
- You have 14 calendar days to return an item from the date you received it.
- Only items that have been purchased directly from us.
- Please ensure that the item you are returning is repackaged with all elements.


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MMA Preview – Brok Weaver vs Thomas Gifford at UFC Fight Night 161
When is UFC Fight Night 161? Saturday 12th October, 2019 - 23:00 start (UK)
Where is UFC Fight Night 161? Amalie Arena, Tampa, Florida
What channel is UFC Fight Night 161? BT Sport 2
Where can I stream UFC Fight Night 161? BT Sport subscribers can stream the fight online via the BT Sport website
For viewers in the United States, the event will be shown live on ESPN+ which can you sign up to here!
Are tickets still available for UFC Fight Night 161? https://www.ufc.com/tickets
Brok Weaver and Thomas Gifford look to kickstart their UFC careers on the 12th October as Weaver makes his debut and Gifford hopes to bounce back from his debut loss.
After an impressive performance on Dana White's Contender Series earning a thrilling decision over Devin Smyth, Weaker has been given his UFC opportunity riding an impressive six-fight winning streak. He made a lot of noise back in August and is out to back up his charisma with a performance against Gifford.
Gifford is very experienced but was handed a very tough fight for his UFC debut. Roosevelt Roberts assumed top control for the majority of the fight in between winning stand-up exchanges and now Gifford is hungry to prove his talent.
This should be a scrappy affair. Both fighters are well-rounded and super game for this. They are both great grapplers but they are likely to apply most of their trade on the feet, interrupted by clinches. As they are so durable, a decision is most likely and could fall either way but both men should have a future in the UFC.
Fight cancelled - Weaver pulled out for undisclosed reasons and replaced by Mike Davis


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Tuesday31 Jul 2018
Ministry of Work & Human Settlement Bhutan Sends Their Officials led by the Chief Secretary for BRIDGE CONSTRUCTION with Open Foundation Training to Nepal at ISI Nepal
Ministry of Work & Human Settlement one of the Largest Ministry of Royal Government of Bhutan selected International Standard Icon-ISI Nepal ( A Top- Leading Professional Management & Development Training Provider Worldwide) to train its Senior Managers and Executives and the Chief Secretary on BRIDGE CONSTRUCTION with OPEN FOUNDATION training.
13 Chief Managers accompanied by Chief Secretary Dasho Mr. Phuntsho Wangdi and Director Mr. Dhak CChhiring granted the Opportunity to ISI NEPAL to showcase this Event based on ISI NEPAL's previous success on facilitating quality training programs to many Thromdes/Bhutan government Agencies/Business houses along with several International Companies from Europe,America,Thailand,Singapore, India and more along with their reviews on ISI NEPAL's unique and cutting-edge training methodology.
The Program had comprised both Classroom session with Case and Industry Visits, On Site Interaction on various part of Nepal like, Lumbini, Pokhara, Bhaktapur, Hetauda, Sauraha and so….
Trainers of ISI NEPAL are highly talented and truly international level, being in South Asian Small country like Nepal, ISI NEPAL really deserves to be called International Organization, Said Director, Dhak Chhiring,
Team had carried out many Practical, On Site Practices and visited Contents related Bridge around Bhaktapur, Lumbini and Pokhara. Engineer Association of Nepal based in Pokhara facilited the session in pokhara.
The Session were really practical and informative for my team members, Really got more than we had expected, Said, Chief Secretary, Daso Phuntsho Wangdi
We were much delighted with the Heartily welcome program by LUMBINI DEVELOPMENT TRUST, The Birthplace of Lord Buddha, who also added much more about ISI NEPAL as they are also their frequent Trainees. Which helped us more proud being trainees of the Company and also received blessing from Lord Buddha without any hassle despite of crowd…
A Small Session was initiated under the Buddha;s tree for us.(Says the Team)


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A wide range of career opportunities are available for people working in the automobile industry. Since the past few years usage of cars has grown consistently. In fact, it continues to grow as of now as well. All one needs is a degree from an automobile school and he can get an assured job. Since the jobs in this industry are wide ranging, it is important to find the right area of interest for oneself. Thus, with the right training one can advance to higher positions conveniently. Here's a look at the various job opportunities that can be found in the automobile industry.
Automotive technician
These professionals perform a number of tasks ranging from balancing wheels to changing oils. In addition, there are other tasks related to car maintenance which are also taken care by the automotive technicians. These include tuning ups and changing the brake pads.
Car mechanic
This is another option as a perfect ideal auto USA job. You can become a car mechanic. Car mechanics are responsible for carrying out tasks which are in some way similar to those of the technicians. In addition, there are some other difficult tasks that these professionals are expected to perform. For instance, fixing the suspension problems, replacing engines or alternators and dealing with other electrical problems are some of the tasks that a car mechanic is required to do. Thus, in order to become a car mechanic it is necessary that you have better qualifications and experience.
Diesel mechanic
This is another technical field which can be explored by the automobile professionals. As a diesel mechanic one is expected to repair and provide servicing to the diesel engines. There might be some passenger vehicles but a mechanic will have to deal with the heavy and bigger vehicles mostly.
Do you like interacting with people? Can you convince people? If you have the gift of the gab then being a car salesperson is another option to pursue your career in the automobile industry. Such a job profile demands you to spend most of your time in attempting to sell cars to the prospective customers. The wages will also be dependent on the incentives. If you are good at what you do, there is an opportunity to climb up the ladder and grab a management position.
Internet marketing
Besides the floor salesperson, there is another job related to the marketing space – internet sales manager. In this profile you do not need to convince people who have visited your car outlet often. Rather you receive leads from online advertisements or from some affiliated websites who are working alongside you to sell cars. Once such leads are generated the professional is expected to reach out to the customer and convince him to buy the car. In the field of auto sales, this is one of the most sought after positions.
Automobile designer
If you have the creative bug, then go ahead and explore the field of automobile designing. Needless to say, a professional is expected to design new cars or remodel an existing design so that it can have a better impact on the customers. This job profile is one of the most sought after ones in the auto industry. This position, however, requires proper qualification so that one is able to begin with his career on the right path.
Body & paint specialist
If a car suffers damage in an accident, it is the body and paint specialist who takes care of such issues. The exterior of the damaged car is fixed and then paint is applied as well.
Car dealership
Think big and act big. If you are interested in cars and want to make it big, you can opt for car dealership. For this you need a staff and lenders who will contribute significantly in building a customer database.
Thus, there is a plethora of options for those who are interested in building a successful career in the automobile industry.
Author Bio: Charlie is a Finance Manager in the auto industry. In this article he discusses what types of ideal auto USA jobs you can apply for.
Posted in Advice for Candidates, Career Advice, Job Search | Tagged Tagged automobile industry, automotive technician, body and paint specialist, car dealership, career, degree, designer, diesel-mechanic, experience, internet marketing, job opportunities, mechanic, qualifications, salesperson, training
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Toby Alderweireld is looking forward to making his Premier League return after his longest spell out injured.
The Tottenham Hotspur defender has not played in the Premier League since October, having torn a hamstring.
But after a 90-minute runout in the FA Cup in midweek, the Belgian is in contention to face Arsenal at Wembley on Saturday.
"It's a huge game, the squad will be ready and hopefully I'll be part of it," Alderweireld told Spurs' official website.
"I worked hard in the last couple of months to get to this point. The last weeks have been tough.
"First of all, you train very hard when you are injured - I think harder than normal. Secondly, you just want to help the team and you can't do that.
"It's painful to watch but, at the other end, it gives you the motivation to come back strong and as quickly as possible. It works both ways."
Welcome back, Toby! 🙌— Tottenham Hotspur (@SpursOfficial) February 8, 2018
🗣 We catch up with @AlderweireldTob after his return against Newport last night... #COYS pic.twitter.com/XOArl32xRy


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Date: Mon, 04 Feb 2002 22:35:22 -0700 From: maa32
Subject: (urth) For Jerry: Green mankiller Jerry, Joe has recently cross-referenced the two appearances of the "Green Mankiller" that appears once towards the end of In Green's Jungles and briefly in Return to the Whorl. His comments are somewhere in the recent posts. When they skirt a swamp, the narrator says he can feel a two tusked green monster lurking for him, with tusks as big as his wrists. It comes up again later. At first I was sure he was talking about Babbie, but that didn't pan out with my later theories. The dripping teeth of Triskele, who shows up at the end of Return to the Whorl made gave me the association, but "friend" does tend to negate its scary qualities. Thanks. Marc Aramini --


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Mystery Of The Dimming Star Coming To An End?
Mystery Of The Dimming Star Coming To An End?
Epsilon Aurigae is one of the few stars that you can see with your own eyes, even in the washed out, big-city sky. It's big and very bright — except when it isn't. Sometimes, it's just not there.
Epsilon Aurigae is what's known as an eclipsing star. Every 27 years or so, it dims dramatically. In fact, you would have a hard time finding Epsilon Aurigae right now, because the star began dimming last August — and it won't be fully visible again for more than a year. That's one of the longest eclipses known to man.
Astronomers have been puzzling over these drawn-out eclipses ever since they were first recorded early in the 19th century. Now, using data from NASA's Spitzer Space Telescope, they've come up with a model that sheds new light on this 200-year-old mystery.
Don Hoard led the researchers at the California Institute of Technology, who looked at all the new data. He tells NPR's Guy Raz that Epsilon Aurigae is actually two stars spinning around each other.
"About two eclipses ago — so in the mid-1950s, early 1960s — astronomers started to develop a picture that there must be something in this system other than just two stars orbiting each other and eclipsing each other," Hoard says.
"The idea was formed that there's probably a disc formed of gas and dust that surrounds one of the stars, and the reason the eclipse lasts so long is because this disc is passing in front of the other star — the brighter star in the system — and it just takes a long time to go past."
Web Resources
By the time of the last eclipse, in the early 1980s, Hoard says astronomers had come up with two competing models of the Epsilon Aurigae system. Everyone agreed that there were two stars, and the dimmer, smaller star was surrounded by an obscuring cloud. But no one could figure out the nature of the larger star — the one we actually see in the sky at night.
One model described it as a supergiant star, 20 times the mass of our sun, the kind of star that eventually becomes a supernova. "And the other theory is that the eclipsed star, this big bright one, was essentially a dying star, something with much lower mass, about two times the size of our sun, and a star that's on its way out the door," says Hoard.
"Initially," Hoard says, "I and my collaborators all went into this thinking that the massive star model was probably the right one, because it's the least unusual model." But as they began to compare the new data with the massive star model, Hoard and his colleagues realized they just couldn't make it all match up.
"We kept running into problems. The model kept having to get more and more complicated. And so we kind of stopped doing that and looked at the competing theory. And when we start from there, everything just falls into place."
Hoard says the new models can't explain every little thing about Epsilon Aurigae, so to fill in the gaps, researchers are recruiting amateur astronomers all across the country to keep an eye on the star as it goes through its eclipse. The effort is called the Citizen Sky Project.
"Whatever information we can get will help us untangle the details of everything that's going on in the system," he says. "We have a big picture now, but we need to fill in the details."


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OK - ish
Carnival Victory Cruise Review to Caribbean - Western
5 Night Western Caribbean (Miami Roundtrip)
Sail date: August 09, 2014
Ship: Carnival Victory
Cabin type: Balcony
Traveled as: Couple
Reviewed: 5 years ago
Review summary
First of all I'd like to say that the staff are really great. Everyone was friendly, and helpful.
The boat itself needs some major updating. If you have been on other cruises this will be the first thing you notice. It's clean, but showing its age.
The food was OK, if you like fried anything everything all the time. It was extremely difficult to get any fresh foods. Our biggest complaint was the timing of the food options. The lunch buffet always closed AFTER we returned from excursions. There was other food available, but eating pizza for lunch 5 days in a row became VERY tiring. Dinners were good, but don't pick the your time dining b/c you'll have to line up EVERY night which is a huge pain. The lineups for all the food were pretty terrible.
Purchase the faster to the fun pass if you can. That helped us a lot.
The crowd on this cruise was rowdy - a lot of people from florida who got very cheap last minute deals. Nothing wrong with that if you're looking to party, but if you're looking to relax this is NOT the cruise for you. Also - the pools are always COMPLETELY full, and when I say full I mean every inch is covered. We didn't even find the 'serenity' area for adults until our last day (its beautiful) but there was zero shade.
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What You Need to Know as a Chemical/Processing Engineering Graduate Student
Chemical engineers, also known as process engineers, are responsible for developing and designing the processes with the application of chemistry, biology, physics and mathematics principles that manufacture a various range of products. With considering health, safety and cost issues, chemical engineers know how to change and modify raw materials into vital everyday life products. Chemical engineers can be found in a variety of industries and could specialise in the following fields1:
- Bioprocess: pharmaceuticals and the food and drink industry
- Chemical process: fertiliser industry (pesticides and herbicides, caustic soda, glass, explosives and specialty chemicals)
- Combustion: large furnace industries (steel manufacture, power generation from coal or gas)
- Environmental: waste and water treatment, environmental regulations, bioremediation and recycling
- Minerals: big mineral industries (alumina/aluminium, steel, copper, lead and gold)
- Petrochemicals: conversion of oil and gas into plastics, synthetic rubber and similar uses
- Petroleum: the production of oil, gas and LPG from both onshore and offshore fields
- Process control: instrumentation and control systems, allowing the manufacturing process to run smoothly, safely and efficiently
- Project delivery: the construction of a process plant, changing the design into an efficient, safe operating plant
Chemical engineering is also starting to drift into new fields of modern chemical engineering, which pioneers new materials and techniques including nanotechnology, alternative energies, and biotechnology. This will help many manufacturing industries in maintaining the demand for engineering services.
What requirements you need to fulfil
If you're looking to have a career in chemical engineering, it is academically required to have at least have a bachelor's degree in engineering (minerals processing, chemical, material or metallurgical) and a good base for chemistry, mathematics and rural studies. A few degree subject that are considered beneficial include:
- Applied chemistry
- Biochemical/process engineering
- Biomedical engineering
- Chemistry
- Environmental engineering
- Nuclear engineering
- Polymer science/technology
Other important qualities that employers look for in candidates are:
- Analytical and problem solving skills
- Commercially aware
- Interpersonal skills
- Production and processing skills
- Strong IT skills
- Showcase willingness for teamwork
- Understand principles of engineering and mathematics
What you can expect
The median salary for bachelor graduate chemical engineer is $68,500, with the most frequent report occupations being in the professions of design, engineering, science and transport; business, human resources and market; and engineering, ICT and science technicians2. With time and experience, chemical engineering graduate students can find themselves in professions of:
- Chemical engineering (bioremediation, mining, petroleum/petrochemicals, pharmaceuticals, or waste/water management)
- Chemical/process engineering (food industry or hydrocarbons)
- Environmental chemical engineering
- Biochemical engineering
- Manufacturing systems engineering
- Product/process development scientist
- Petroleum engineering etc.
Representing chemical, biochemical and process engineers with offices in in Australia, Malaysia, New Zealand, Singapore and the UK, The Institution of Chemical Engineers (IChemE) run training events, which includes:
- Conferences
- Short courses
- Digital training resources
- E-learning modules and courses
Many companies offer graduates internal training schemes to ensure that they are able to get the experience needed to start a career as a professional engineer. Companies could also provide structured, job-based training programs to develop your training with necessary technical training for specific projects and a mentor for supervision.
Job duties
The job duties are diverse and depend on their role and which sector they work in; if a chemical engineer were to work in the research and development sector, some of the duties would include3:
- Testing new ways to develop products in the lab
- Using computer models to find the safest and most cost-effective production methods
- Planning large-scale industrial processing
- Planning how to move lab tests into a pilot production phase
- Making methods to deal with by-products and waste materials in environmentally-friendly way
If they were to work in manufacturing sector, some of the duties would include:
- Helping to oversee the day-to-day operation of the processing plant
- Monitoring production and dealing with problems
- Working closely with quality control and health and safety managers
- Working with plant designers and engineers to design machinery and other equipment
The employment growth of this sector is expected to stay stagnant through to 2018, however, the occupation of chemical/process engineers based on state and territory showed that NSW, VIC and QLD had the highest percentage of 26.4%, 26.2% and 18.6% respectively. Reportedly in 2013, the main employing industries for chemical engineers are from the professional, scientific and technical services with 39.2%; followed by manufacturing with 25.9%; electricity, gas, water and waste services with 12.4% and the industry with 11.4%3. Chemical engineers that were employed the most in 2012 were from the following industries:
- Architectural, engineering and related services
- Basic chemical manufacturing
- Scientific research and development services
- Resin, synthetic rubber, and artificial synthetic fibres and filaments manufacturing
- Petroleum and coal products manufacturing
Working conditions
Chemical engineers are often seen working on projects with other engineers in the mechanical and electro-technical field as well as materials scientists.
The workplace of a chemical engineer ranges from offices and institutions to laboratories, depending on their role. Work hours may differ, although most work standard hours, those in processing and manufacturing could work on a seven-day shift system that could include weekends, evenings and nights.
1 University of Melbourne, Chemical Engineering Career Pathways. 2015
2 Graduate Opportunities, Chemical Engineering – Bachelor Graduates (All). 2015
3 Job Outlook, Chemical and Materials Engineering. 2015
4 Total Jobs, Chemical engineer job description. 2015


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Psyop Welcomes Sun Creature to the Blacklist Roster
Psyop is excited to welcome long-time animation partner and creative collaborator, Sun Creature to our Blacklist roster. [Read more]
Stash 134 Drops: Staying Inspired Just Got Easier
Grab a look at the preview for STASH 134 , the brilliant new addition to The Stash Permanent Collection – the unrivalled online library of motion design for advertising, music videos, broadcast and title design, brand films, game cinematics, and short films. [Read more]
Teleflora "Love Out Loud" Valentine's Day Spot
In his first solo helming effort, WIZZ director/animator Gary Levesque (formerly of creative duo Flying V) aims for your Valentine's day heartstrings in this animated :90 for flower delivery service Teleflora through Blacklist. [Read more]
Golden Wolf Launches New York Studio
London animation crew Golden Wolf Launch New York Studio. [Read more]
Psyop Integrates Blacklist and Invests in London Animation Studio Golden Wolf
From the release NEW YORK, VENICE, Calif. and LONDON, May 4, 2018 /PRNewswire/ — Psyop, the creative-centric production studio, today announced a new framework that broadens the company's animation and mixed media offerings in North America and Europe. Under the new framework, Psyop will fully integrate its New York-based sister company, Blacklist, within the Psyop […] [Read more]
Golden Wolf Intro's The Magic Archer for Clash Royale
The mysterious master of magical archery is here. Is he a wizard? No one quite knows. Gold Wolf's latest for Supercell's Clash Royale! [Read more]


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Hey, PBwiki-ers! It's worth mentioning that the tags support that we rolled out this month across PBwiki was largely inspired by a series of wonderful meetings we had with Nitin Borwankar. This guy is like the Johnny Appleseed of the tagging world! If you need tags support in your application, talk with him and he'll give you the know-how hookup. 🙂
We're Video Stars!26 Sep
Our rocking friends Jay & Ryan (vlogstars in their own right) came over to our new digs in San Bruno – we're right by the SF airport, which is great, except for when the big planes come zooming overhead. Check out their awesome interview with our team!
Premium users can get more features a la carte25 Sep
We noticed lots of Premium users asking us how they could get additional features. It happened about 50 times, and then you should have heard the groans in the office. It went something like, "Dear god, how have we not already built this?"
Now Premium users can upgrade to specific a la carte features. Do you just want encryption? No problem. What about lockable pages and hideable pages? Sure. A bonus: If you're a Premium user and you add an additional feature, it lasts for the lifetime of your wiki.
To add extra features to your Premium wiki, click "Settings" and then "Features."
New feature: Save wiki page to PDF18 Sep
We quietly rolled out a new feature that lets you save any wiki page as a PDF file. This might be really useful if you have a syllabus (print it out and give it to your class), a resume, a meeting agenda, or almost anything else.
To save your wiki page to PDF, look at the bottom-left box of your wiki for the "Save page as PDF" link. That's it!
Wanted: Javascript Guru18 Sep
PBwiki is looking to hire a full-time senior-level Javascript programmer.
And there goes the continent…12 Sep
Well, it looks like PBwiki is now blocked in China. Time for a party shirt. Maybe they didn't appreciate my recent trip there, where I dressed up like the Red Army and had Chinese tourists gigglingly ask me for a picture. I swear governments have no sense of humor.
In all honesty, this is a little disheartening. PBwiki's #2 most popular language after English is Chinese by a very good margin, due in part to our excellent internationalization support and full-text Unicode-compliant search. So without a great deal of cleverness and tomfoolery on our part, we may have to say goodbye to China for now. 😦
The technical details follow, for the interested; traceroutes from two IPs behind the same router – one that runs the production pbworks.com site (and is therefore blocked) and another that acts as a development box (and is not blocked). And yes, we've verified that people in China cannot access PBwiki.
Interesting PHP Quirk w/require_once12 Sep
So as many of you astute readers may have noticed, we use PHP on the backend. Nathan and I ran into a curious quirk today; if you do a require_once() in a function's context, the variables set in the required file are not visible as globals once the function returns, even to functions in the required file.
The moral of the story? If you use globals in your includes, put all the require_once()s that you might need at the top of your PHP. Don't try and be clever with conditional inclusion of your libraries.
Continue reading


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Win a three month Subscription of Classic of the Month Club Book
Receive 3 DVD's each month, that you can keep to build your film collection! Movies will be suited to taste.
This competition is ad supported. You will have the opportunity to watch a video ad or interact with a sponsor to complete your entry.
Value: £45
Ends May 31, 2020.Official Rules
Share This Prize With Someone You Know Via:


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Product Description
Annual Passion Conference album was recorded live at Passion 2012. The event took place at its biggest venue yet, The Georgia Dome, after a sold out crowd of 22,000+ at 2011's Conference at Philips Arena.
The project features Chris Tomlin, David Crowder*Band (the band's final concert), Charlie Hall, Matt Redman, Christy Nockels, Kristian Stanfill and more. All-new songs were written specifically for Passion 2012.
The event raised over $3 million to assist in the fight to end modern-day slavery. Their efforts were featured on CNN and CNN Freedom Project.
All prices & transactions are in Canadian Dollars. Accepted online payment methods:


text: Dr. Jeanette welcomes C. J. Golden, a feisty elder, to engage in a conversation on how to support and become an person who is living a full life with awareness and joy in every moment. Dr. Jeanette and CJ dance with stories on the radio show here. Need a laugh, listen in….


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Regular price
129 kr
Embellished toddler ballerinas, green and blue. No over the feet band, more of footies type cut.
Anti-slip soles.
Green and blue stripes with little monster's big mouth appliqué.
Available in sizes from 1 to about 5 years old.Composition: 75% cotton, 22% polyamide, 3% other fibers.
Made in Brazil by Puket.


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Unlock exclusive industry-focused arts hubs
The Events Centre
In the know? Seen a great show? Think you have a better idea?
Hit the contribute button now to share your story
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Showing all Archived news in Features
An opera singer by trade, (she has performed with the Victoria State Opera and as a soloist with a number of orchestras), the latest creative initiative Tania de Jong has just launched is something called Creativity Australia.
Directing a festival is a glamorous, but difficult job – a performance in itself, walking the tightrope of audience, city, funders, sponsors, artists. Arts Hub speak to Fergus Linehan, director of the Sydney Festival on the eve of his final festival in Sydney. The annual summer festival has grown to be the most attended cultural event in the whole of Australia, with an audience of over one million
The relationship between music artists and record labels is like any other$$s$$ the key for artists and labels both in protecting their relationship is trying to ensure that their mutual success is as closely linked as possible.
Speigelworld is coming to Melbourne as part of the 2009 Australian Tennis Open entertainment program.
A three-hour train trip north of Sydney transports you to Newcastle – a magical place, where science and art embrace as awkwardly as prospective lovers on a blind date.
Arts Hub recently spoke to Marcus Canning, Festival Director of Perth's ARTRAGE Festival, which is currently celebrating 25 years worth of creative excellence.
This is Graffiti artist Mohammed Ali's first trip to Australia as part of Crooked Rib's Community Cultural Development project which will be created and launched at this year's Melbourne International Arts Festival.
A few weeks after the former National Party leader Mark Vaile handed over the keys to his electoral office staff in the electorate of Lyne and walked away, and Starbucks packed their bags and went home, it is the perfect time to reflect on the Free Trade agreement with the United States of America delivered by the former Minister for Trade.
Here we are, in the twenty-first century, in a small outpost of the Empire. Does it matter that we have the smartest and the most talented population on earth? Does it help us that we have, per capita, the most creative people and the finest minds that perhaps have ever existed? No it does not! Not if we remain unspoken and unheard. Not if all that we express is swamped and washed away by the rele
Many Roads One Voice is the theme for the Alice Desert Festival 08 and many events reflect on this. Opening night this Friday is a riot of colour and movement with the Sunset Street Parade down Todd Mall.
The Melbourne Writers Festival is in the midst of tumult and change, but Festival Director Rosemary Cameron feels that the upheavals can only propel it ever onward.
This is the fourth and final year of Kristy Edmunds' role as Artistic Director of the Melbourne International Arts Festival, and a lot has been said in four years about Edmunds' programming choices.
Brisbane Festival 08 is on the horizon and heading for the city's stages, backyards and rooftop car parks at full tilt. With commentary direct from Artistic Director Lyndon Terracini, don't say we didn't warn you...
Now that the first Labor Federal Arts Budget is done and dusted, this might be a good time to take a quick peek at one of the sectors that did not benefit in 2008.
Following last week's release of the Federal Budget, Arts Hub has prepared a three-part feature special, comprising an Arts Budget analysis, the results of the Australia Business Arts Foundation's Survey of Private Sector Support for the Arts, and an in-depth look at the work of Frankie Airey, founder and Director of Philanthropy Squared.
The nine-month wait endured by most expectant parents is enough to tip them into hyper-reactive neurosis by week three. So for a man who has waited almost two years to find out whether his baby will be the anatomically correct festival of which every Artistic Director dreams, Next Wave's Jeff Khan sounds impressively mellow, if a little weary.
Want your work out there where the walls are clear and the punters appreciate a good bit of art when they see it? Time to approach the keepers of those lofty gallery gates... This week, artist Lizzie Hall takes us through your typical exhibiting options and how best to work your way into a space.
As the months speed by until the opening of Regional Arts Australia's sixth national conference in Alice Springs on 2 October, Director Kieren Sanderson keeps her feet on the ground and her mind on art as she puts the final touches to the conference program. In this diary entry specially written for Arts Hub readers, Sanderson lists some of the artists she has engaged to help her create a national
Australian playwright Daniel Keene's success in Europe has often outshone his profile in his home country. With a new two-part production, The Serpent's Teeth, opening tomorrow at the Sydney Opera House's Drama Theatre, he spoke to Liz Seymour about his journey through thirty years of writing for the stage.
Earlier this month, three young artsworkers were honoured for their outstanding contributions to community arts and culture. Two Young Leaders awards were given to Frances Bunji Elcoate, a multimedia artist and artsworker based in the Northern Territory, and Alison Richardson, a Sydney-based theatre director and producer whose work centres on arts facilitation for youth and people with a disabilit
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text: You are here: Home > Course > Main Course > One Dish Vegetarian Meals > Palak Stuffed Bread Kofta Palak Stuffed Bread Koftaby Sarika29 13 Oct 2011 add to my cookbook add to shopping list You are not signed in. Please sign in to access your cookbooksExisting members click here to sign inNew visitors click here to sign up Please sign in to create shopping lists! Added to 14 cookbooks This recipe has been viewed 5549 times Delicious and rich koftas filled with a stuffing of palak mixed with arious spices and condiments. Add your private note Palak Stuffed Bread Kofta recipe - How to make Palak Stuffed Bread Kofta Tags One Dish Vegetarian Meals Preparation Time: 20 mins   Cooking Time: 20 mins   Total Time: 40 mins     Makes 4 servings Show me for servings Ingredients For The Koftas3 to 4 spinach (palak) leaves , finely chopped1 cup finely chopped coriander (dhania)1/4 cup cashewnuts (kaju)1/4 cup raisins (kismis)1/2 cup grated paneer (cottage cheese)1 tsp ginger-green chilli paste1/2 tsp garam masala salt to taste3 to 4 potatoes , boiled and mashed5 to 6 bread slices , soaked and mashedFor The Curry3 to 4 tomatoes2 to 3 onions1/2 cup cashewnut (kaju) paste1/2 cup grated coconut1 tsp garam masala1 tsp ginger-green chilli paste2 tsp chilli powder1 tsp turmeric powder (haldi)2 tsp coriander-cumin seeds (dhania-jeera) powder2 tsp garam masala1/2 cup curds (dahi) Method For the koftasFor the koftasCombine the potatoes, bread slices and salt and mix well.Keep aside.Combine the remaining ingredients in a bowl and mix well.Divide the potato and spinach mixture into equal portions and keep aside.Flatten a portion of potato mixture in your palms and place a portion of spinach mixture in between and cring the sides together to seal the edges.Repeat the same to make more koftas.Heat the oil in a kadhai adn deep fry the koftas till they turn golden and crisp from all the sides.Drain on an absorbent paper and keep aside.For the curryFor the curryHeat the oil in a kadhai and add the garam masala and saute for 10 seconds.Add the onion,s, tomatoes and coconut and saute till the oil gets separated.Add the curd and mix well and cook till oil leaves the sides.Remove from the flame and cool and blend in a mixer to a smooth paste.Heat 2 tsp oil in a pan and add 2-3 dry red chilies and basil leaves and saute for 10 seconds.Add this to the paste and add sufficient water and salt and cook for 10 minutes.Just before serving, add the koftas, mix well and serve hot. Other Related Recipes This recipe was contributed by Sarika29 on 13 Oct 2011Know more about this member, Click Here


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Maintaining a healthy weight is an ongoing, life-long pursuit. But sometimes you need to shed a few pesky pounds quickly — whether it's to meet a weight requirement, feel better in a bikini, or fit into your dream wedding dress. To really shed calories, burn fat, build muscle, and achieve longer lasting results, you'll have to tackle some bigger dietary and lifestyle changes.
There are many ways in which one can lose weight in just three days. It is compulsory to stick to the diet plan, miscellaneous tips, and regular workout.
STEP A: 3-Day Diet.
It is also sometimes referred to as Military Diet. It is a 3-day diet plan with a strict breakfast, lunch, and dinner regime.
- 1 cup of unsweetened black of coffee or tea
- 1 slice of toast, preferably whole wheat
- 2 tablespoons of peanut butter
- 1/2 grapefruit
- 1 cup of unsweetened black coffee or tea
- 1 slice of toast, preferably whole wheat
- 1/2 can of tuna (A good substitute for tuna is a same-sized portion of cottage cheese
- 3 ounces (about the size of a deck of playing cards) of any meat
- 1 cup green beans, seamed or raw
- 1/2 banana
- 1 small apple
- 1 cup vanilla ice cream (yay, dessert!)
- 1 egg, cooked however you prefer
- 1 slice of toast, preferably whole wheat
- 1/2 banana
- 1 hardboiled egg
- 1 cup cottage cheese
- 5 saltine crackers
- 2 hotdogs (without any hotdog buns)
- 1 cup broccoli
- 1/2 cup carrots
- 1/2 banana
- 1/2 cup vanilla ice cream (dessert again, yes!)
- 1 small apple
- 1 slice of cheddar cheese.
(Substitute two ounces cheddar cheese for one cup of cottage cheese.)
- 5 saltine crackers
- 1 egg, cooked however you prefer
- 1 slice of toast, preferably whole wheat
- 1 cup tuna
- 1/2 banana
- 1 cup vanilla ice cream (dessert trifecta!)
STEP B: 3-Day Juice Cleanse
- Start your day with a glass of lukewarm water and lemon to jump-start your metabolism.
- Have a serving (8-10 ounces) of fresh-pressed juice every 2-3 hours to keep your metabolism up, and your hunger down. You're aiming for approximately 32 to 96 ounces of juice a day, with at least half of this amount coming from green vegetable.
- Make sure that all the products going into your juice are organic so that you're not ingesting any harmful pesticides or added elements.
- Keep exercise light and moderate, and get plenty of sleep while on this 3-day cleanse.
STEP C: 60- Minute Exercise Everyday.
You must burn about 1,700 calories more than you consume per day to lose 1 lb. in three days. The more active you are the more calories you will burn. Walk, run or ride your bike to work and take the elevator instead of the stairs. You may need 60 to 90 minutes of activity per day to lose weight in three days, according to the American College of Sports Medicine.
STEP D: Drink Lots of Water.
- Drink 8 ounces of water before every meal to help you feel full even before you start eating. Water also helps boost your metabolism and aids in digestion.
- Be sure to drink at least 64 ounces of water every day.
In the end, I would like to suggest that a 3-day diet plan is an efficient means to get a noticeable weight loss. The mantra to achieve this goal is not the methods applying for it, but restricting yourself for temptations and following the plan with pure determination. It is easier to control your desires for 3 days rather going on a permanent diet plan and suffering from obesity forever.


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Top Ten Movies Where the Protagonist Dies
Counting Down to #1
10. Armageddon (1998) Action . Adventure . Sci-Fi . After discovering that an asteroid the size of Texas is going to impact Earth in less than a month, N.A.S.A. recruits a misfit team of deep core drillers to save the planet.
Stars: Bruce Willis . Billy Bob Thornton . Ben Affleck
9. American Beauty (1999) Drama . Romance . A sexually frustrated suburban father has a mid-life crisis after becoming infatuated with his daughter's best friend.
Stars: Kevin Spacey . Annette Bening . Thora Birch . Wes Bentley
8. Psycho (1960) Horror . Mystery . Thriller . A Phoenix secretary embezzles $40,000 from her employer's client, goes on the run, and checks into a remote motel run by a young man under the domination of his mother.
Stars: Anthony Perkins . Janet Leigh . Vera Miles
7. Scarface (1983) Crime . Drama . In Miami in 1980, a determined Cuban immigrant takes over a drug cartel and succumbs to greed.
Stars: Al Pacino . Michelle Pfeiffer
6. Titanic (1997) Drama . Romance . A seventeen-year-old aristocrat falls in love with a kind but poor artist aboard the luxurious, ill-fated R.M.S. Titanic.
Stars: Leonardo DiCaprio . Kate Winslet . Billy Zane
5. Gran Torino (2008) Drama . Disgruntled Korean War veteran Walt Kowalski sets out to reform his neighbor, a Hmong teenager who tried to steal Kowalski's prized possession: a 1972 Gran Torino.
Stars: Clint Eastwood
4. Thelma & Louise (1991) Adventure . Crime . Drama . An Arkansas waitress and a housewife shoot a rapist and take off in a '66 Thunderbird.
Stars: Susan Sarandon . Geena Davis . Harvey Keitel
3. Saving Private Ryan (1998) Drama . War . Following the Normandy Landings, a group of U.S. soldiers go behind enemy lines to retrieve a paratrooper whose brothers have been killed in action.
Stars: Tom Hanks . Matt Damon . Tom Sizemore
2. Braveheart (1995) . Biography . Drama . History . When his secret bride is executed for assaulting an English soldier who tried to rape her, Sir William Wallace begins a revolt against King Edward I of England.
Stars: Mel Gibson . Sophie Marceau . Patrick McGoohan . Catherine McCormack
1. The Gladiator (2000) Action . Adventure . Drama . When a Roman general is betrayed and his family murdered by an emperor's corrupt son, he comes to Rome as a gladiator to seek revenge.
Stars: Russell Crowe . Joaquin Phoenix . Connie Nielsen
Watch the Top Ten Video for the Honorable Mentions
I will however mention one of the Honorable's which swept my emotions away . It would have been my choice to be included as one of the Top Ten . since 8 out of the 10 were male protagonists . Where are the Female Protagonists who do not make it to the end of the final reel?
Black Swan (2010) Drama . Thriller . A committed dancer wins the lead role in a production of Tchaikovsky's "Swan Lake" only to find herself struggling to maintain her sanity.
Stars: Natalie Portman . Mila Kunis . Vincent Cassel
The Actors in RED are the ones who sacrificed or were sacrificed for the film & some were actual people who did die for their beliefs.


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Located in the north of Costa Rica, the impressive Arenal Volcano is a natural phenomenon that attracts thousands and thousands of tourists due to its permanent, extraordinary and trusted volcanic activity, which on clear nights it seems like fireworks with intermittent explosions of ash and lava.
We will continue on our trip until we get to this wonder from nature then we must go to the north of the country, and inevitably we must make a stop in the famous town of Sarchi, with international fame, it has earned the name of the Birthplace of Costa Rica's Artisans.
As we continue our trip we will go throw diverse plantations with agricultural products, ornamental plants and cattle ranches until we arrive to La Fortuna, for lunch in a cozy restaurant right in front of the volcano. This excellent location will allow us the best view to see any volcanic activity.
Later we will relax in one of the best thermal water places in the area where you will be able to enjoy an optional massage or other special treatment that must be reserved ahead of time.
Last, a wonderful dinner will be served with a great view of the volcano so you will not miss any opportunities to look out for the incandescent light explosions.
After dinner we will being in our return trip to the city of San José.
Children (3 – 10 years old): 25% off discount
Children 0-2 years old pay US$14.00 car seat charge fee.
Rates per person. (B) breakfast, (L) lunch and (D) dinner.
Revise la lista general de hoteles. Si su hotel no aparece en la lista, consultar si es posible recogerle en su hotel.- See more at: http://greenstone.co.cr/espanol/tour-un-dia/index.htm#sthash.oW4XFzed.dpuf