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Dilwale Dulhania Le Jayenge
Movie Info
Dilwale Dulhania Le Jayenge, also known as DDLJ, is a film that tells the story of a young couple who fall in love on a European vacation, and relates how the boy tries to win over the girl's parents so that she can marry him rather than the boy that her father has chosen for her.Wikipedia
Dilwale Dulhania Le Jayenge Reviews
Dilwale Dulhaniya Le Jayenge is, by sheer dint of originality, one of the best Hindi films made in the last 20 years...We all have our favourite moments from the film -- Raj's valiant AlPacino-AlPacino attempt at Europeanese; Anupam Kher's befuddled attempts at engineering marital bliss, unaware of the bride in question; Tujhe dekha to jaana sanam, when Lata Mangeshkar sang as gloriously as gold; an alarmed Raj stammering 'beer' instead of lassi to Amrish Puri; and there are women, I kid you not, who actually swoon each time Shah Rukh, driving a convertible during Ho gaya hai tujhko to pyaar sajna, runs a hand through his windswept hair.
This is one film that will make you laugh, blush, cry and bring you out of the theaters smiling. Again, it is a must-watch for one and all and the best part is, this one is a complete family entertainer. You may not be the one to believe in true love but there is no harm to watch it on celluloid. For me, this film certainly holds a special place and as lovesick as I can be, I would surely hope there are 'Raj-Simran' love stories out there, everywhere.


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Special Report by - HTML preview
PLEASE NOTE: This is an HTML preview only and some elements such as links or page numbers may be incorrect.
Download the book in PDF, ePub, Kindle for a complete version.
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Copyright © 2006 Mathiwanen
All rights reserved.
No portion of this report may be reproduced, copied or altered without the permission of the author. The author reserves the right to use the full force of the law in the protection of his intellectual property, including: the contents, ideas and expressions contained herein.
You are granted full rights to reprint or resell this report with the understanding that you do not have the right to alter or change the look, feel or content of this report in any shape, form or fashion. All links, credits, content and information must remain intact for legal reprint or resale.

subset: commoncrawl


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Sri Lanka Flights GuideSri Lanka is a Southern Asian island country sitting just south of India in the Indian Ocean. Formerly known as Ceylon, Sri Lanka celebrates 150 years of brewing the popular tea. Head to the country's oldest tea estates in Nuwara Eliya to learn the history. Elephants are everywhere in Sri Lanka especially at Uda Walawe National Park where you can see them wandering freely. Climb the Lion Rock Fortress at Sigiriya or roam the sacred city and Temple of the Tooth in Kandy. Don't forget to try the food including fresh seafood flavoured with East Asian and European inspired spices.
Bandaranaike International Airport in Katunayake is the major airport serving Sri Lanka and is the main hub for SriLankan Airlines. Sri Lanka has a warm tropical climate with two monsoon seasons. The Yala monsoon hits the west, southwest and the hills from April through September, and the Maha monsoon hits east coast during November through March. Temperatures remain pretty moderate year round with high humidity throughout the country.


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Sales growth
We craft and develop online stores and websites optimized for mobile devises to lure customers at the right time with the right tool.View E-Commerce projects
Creativedog, an agency that provides customized services. We are a restless, natural, and client-focused agency and we make a difference by developing broad but specific experiences for our clients. Our starting point is developing the concept/idea, then its technical implementation and later its advertising and/or media campaign.
Creating a website, opening an e-commerce, positioning you on Google or the social media, Creativedog will develop and provide professional services each step of the way:
Each project is one of a kind, but to make it happen we follow a very clear four-steps methodology:
Our priority is to create realistic and sustainable projects for your business or product. We dive into marking research to identify your strengths and weaknesses enabling meaningful business contrasts.
We create a meaningful visual outcome to contribute to the business objectives, be it attracting new customers, increasing sales, getting new followers on Social Media, or downloading relevant business files.
When it comes to developing a successful website, programming is a complex and paramount step. We work with HTML5 y CSS3, PHP, MySQL, JavaScript, Angular 2 and content management systems (CMS) like Wordpress.
Once the project is done, we run advertising campaigns to reach the summit of the digital world on Google and the Social Media. With an appropriate measurement system, we analyze results and we improve them over time.
As a comprehensive agency, we work with top of innovation-driven technologies to reach your online and Social Medial objectives.
Do you still have doubts? Keep reading and find the answer
Some clients would rather delegate the whole Project to us, not just the design and development of a specific job, but also the content creation process (such as writing and editing text). Others just don't have a specialized area in-company and they are looking for an outsourced expert digital director who can take the lead on digital and media decisions. According to case specifics, we set up monthly meetings were the client is involved in the most relevant aspects of the process, allowing him to have a general idea of the direction taken and the strategies the agency will put forward.
Yes, we offer our services to other agencies and we would be delighted to take tasks from other studios or consulting firms. We are actively looking to collaborate with other companies interested in offering our services in exchange for the same from our end.
Yes and no. We don't want to be confusing but everything will depend on the kind of project. If you want to do some marketing to attract customers, you'll probably want to hire our services that include specific actions such as advertising campaigns on Google, Facebook or Adwords, sending newsletters or positioning you on search engines. From the technical point of view of the starting point, some projects don't always need maintenance but we advise hiring the fee that comes with technical support, software maintenance or code bug fixing, to ensure a smooth performance while working with real users. A website can require technical adjustments, backups or software updates to be always up-to-date and protected against possible vulnerabilities that appear when the project is not updated.
Under certain ways of outsourcing, Creativedog works as the client's digital department. This allows them to have a prepared team for a fixed cost that will answer to the company's manager or director. In this way, the client has a comprehensive team without the cost of startups and maintenance of licenses, technical equipment, among others. We have developed a fixed-cost method which helps us have great outcomes remotely. Creativedog offers this flexible service that adapts to the client; it offers the right team with the right equipment on the right time.
All our projects are fully customized so it is difficult to have exact numbers in mind. Instead of having a minimum fee, we rather adjust our strategies, the volume of work and the time according to client's budget. We can also adjust our take on the project according to client participation during the project. For instance, if you are willing to create your own content or upload it to the website (after the appropriate explanation), the costs will be reduced from the total amount.
We have the right solution for each subject matter area. E-commerce sites allow the customer to sell virtually any product online. Creativedog builds online stores with reliable payment systems along with SSL solutions to ensure payment in safe and reliable contexts. There are many e-commerce platforms on the Internet, big and small. With our expertise, we can find the right solution for the right project.
Reach out so we can help you deliver on your objectives. Just name it, we got it.


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The Brazilians came into the game with their backs against the wall after losing their group opener against Lobi Stars last weekend.
Coach Pitso Mosimane welcomed back key players, goalkeeper Denis Onyango, and Themba Zwane in the line-up after missing the defeat against Lobi Stars.
Zwane opened the scoring for Masandawana in the eighth minute with a clinical half-volley that goalkeeper Ahmed Tagnaouti was unable to keep out.
Most of the chances fell for the hosts as Mosa Lebusa almost made it 2-0 for Mosimane's charges on the half-hour mark with a powerful header that was acrobatically parried over the bar by Tagnaouti.
Wydad's Mohamed Nahiri punished the Brazilians ten minutes before halftime with a scorching strike from outside the box that beat Onyango underneath the top corner of the bar, 1-1.
Thapelo Morena should have put Sundowns ahead ten minutes into the second stanza after going through on goal, but he somehow struck his effort over the bar at close range, while he had teammates in a better position.
Zwane eventually restored the lead for the hosts in the 65th minute with a powerful volley from just outside the box that beat Tagnaouti.
The visitors further refreshed their attacking line in the final 15 minutes, as forward Badi Aouk came on for fellow striker William Jebor, while Mosimane made his first change nine minutes before time with Lyle Lakay replacing Anthony Laffor.
The hosts made sure to close up shop with introduction of Motjeka Madisha for Gaston Sirino, as Wydad found it tough to carve out another opening.
Nevertheless, Sundowns hung to claim three points to move second in the group behind leaders Wydad, who boast a superior goal difference.
Sundowns: Onyango, Morena, Nascimento, Lebusa, Langerman, Mabunda, Kekana, Zwane, Laffor, Sirino, Maboe.
Subs: Mweene, Lakay, Ngcongca, Coetzee, Mkhulise, Brockie, Madisha.


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Drafting Your Own Bill
This is going to take a lot of research …
PASLAN recommends that you find a bill pending if this is your chapter's first foray into citizen lobbying and advocacy. However, any dedicated group can choose to draft their own legislation, just know this is going to be a much lengthier process.
It's also important to recognize that whatever legislation you draft may not look or function exactly the way you want it to once it passes through committee. You will want to determine which parts of your bill are negotiable and which are non-negotiable. Keeping this in mind while you are drafting your legislation will be important when you are pitching your legislation to legislators for sponsorship.
The following comes from The Pennsylvania Code website. This is a good place to start if you want to draft legislation specific to Pennsylvania.
Developer Edition
This is a link to the page which has our developer resources on this issue. Once we are satisfied with the contributions to this workbook, we'll publicize it as a beta like the rest of our workbooks. In the meantime, please help us develop the workbook by contributing to it!
Title 101 (General Assembly) is published for information purposes only under 45 Pa.C.S. § 702 (7). The Director of the Legislative Reference Bureau finds this document to be general and permanent in nature. This document is not a rule or regulation, and it may be modified at any time without notice as circumstances may require.
PART I. Legislative Reference Bureau
Subpart A. Preliminary Provisions
Chapter 1. General Provisions (View pdf)
Chapter 3. Organization and Function of Bureau (View pdf)
Subpart B. Legislative Procedure Manual
Chapter 5. Preliminary Provisions (View pdf)
Chapter 7. General Assembly (View pdf)
Chapter 9. Legislative Documents (View pdf)
Chapter 11. Printing and Distribution of Final Enactments (View pdf)
Subpart C. Legislative Drafting Manual
Chapter 13. General Provisions (View pdf)
Chapter 15. Statutes (View pdf)
Chapter 17. Other Legislative Documents (View pdf)
Chapter 19. Forms (View pdf)
Subpart D. Pennsylvania Consolidated Statutes Style Manual
Chapter 21. General Provisions (View pdf)
Chapter 23. Format and Style (View pdf)
Chapter 25. Codification Procedures (View pdf)
Chapter 27. Forms (View pdf)
Subpart E. Statements of Policy
Chapter 31. Right-To-Know Law (View pdf)
PART II. Joint State Government Commission [Reserved]
PART III. Local Government Commission
Chapter 301. Compilation and Distribution of Publications (View pdf)
Chapter 303. Right-to-Know Law—Statement of Policy (View pdf)
PART IV. Legislative Budget and Finance Committee
Chapter 401. Access, Maintenance and Disclosure of Records—Statement of Policy (View pdf)
PART V. Legislative Data Processing Committee
Subpart A. Preliminary Provisions
Chapter 501. General Provisions (View pdf)
Subpart B. Computer Systems
Chapter 521. LDPC Acceptable Use Policy (View pdf)
Chapter 551. Legislative Intranet (View pdf)
PART VI. Pennsylvania Commission on Interstate Cooperation [Reserved]
PART VII. Capitol Preservation Committee
Chapter 701. Right-to-Know Law—Statements of Policy (View pdf)
APPENDIX A. RIGHT TO KNOW LAW APPEALS (View pdf)
PASLAN recommends new chapters adopt existing legislation
Drafting legislation takes a skill set few of us have
PASLAN will do everything to support your chapter if you choose to draft your own legislation. This is a long and arduous process. Depending on the type of legislation and how it modifies existing law you will need to seek out the help of experienced legal writers who can help you with this process. There may be professors on campus who can help you, but it is important to remember your own chapter's timeline. Campus chapters will inevitably have turnover of membership as members graduate and writing a bill could take the entire academic year to complete. The majority of bills introduced are not even heard in committee until the second or third time they are reintroduced in session. If the majority of your chapter is dedicated to continuing the process of advocating for your legislation, and it's membership will be around for the at least 3 more years, then you may be well positioned to take this approach. Once your legislation is complete you'll need to find sponsors for your legislation in both the House and Senate. This can be a lengthy process in and of itself. For these reasons PASLAN advises that you find current pending legislation to advocate for


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I have to confess, I hide away in my house and refuse to go anywhere on Black Friday...I'm just not that cut throat or competitive, and there is nothing that tempts me to jump into that fray. (If you dig Black Friday shopping, I'm totally cheering you on to scoring a sweet deal. Even if it's not my thing, I will always support the idea of not … [Read more...]
Antique Dresser Coffee Bar
I have been dreaming about creating a coffee bar in my kitchen for a while now. I have seen some really pretty ones on Pinterest and then my aunt Kim has a really cool coffee bar set up in her kitchen as well. Her home is really warm and inviting and her style is a cozy blend of antiques and country with a little touch of contemporary. She put her … [Read more...]
Treasure Hunting: The Granny Couch That Changed Everything
When we were growing up, we didn't have a lot, but it seemed like there was constantly someone giving us stuff. It was a pretty regular event to wade through big, black trash bags full of random clothes, shoes, purses, housewares, etc. One of my fondest memories includes a stack of those same black trash bags filled to the brim with the most … [Read more...]


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The Media module provides an extensible framework for managing files and multimedia assets, regardless of whether they are hosted on your own site or a 3rd party site - it is commonly referred to as a 'file browser to the internet'.Media is a drop-in replacement for the Drupal core upload field with a unified User Interface where editors and administrators can upload, manage, and reuse files and multimedia assets. Any files uploaded before Media was enabled will automatically take advantage of the many of the features it comes with.Media's aim is to solve Drupal's long standing media handling problem.
Project Page:
Module Category:
Moderate Starterkit


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Spiritual teachings by Shunyamurti, the founder and director of Sat Yoga - a wisdom school, ashram, and the home of a vibrant spiritual community based in Costa Rica.
Spiritual Teachings With Shunyamurti Shunyamurti
- Andlighet
Spiritual teachings by Shunyamurti, the founder and director of Sat Yoga - a wisdom school, ashram, and the home of a vibrant spiritual community based in Costa Rica.
Become the Ocean of Consciousness ~ Shunyamurti responds to Khalil Gibran - 03.14.20
Shunyamurti responds to the Khalil Gibran poem, "Fear", helping to mitigate our fears as we pass through this time of tribulation and return to the ocean of consciousness.
Receiving God's Disinfectant for Your Soul: A Spiritual Antidote to COVID-19 - 03.12.20
Shunyamurti explains that we have entered the period of our testing, that the tests will become more severe, and reveals that we have entered the time of disinfectant, in which we must disinfect (purify) our contaminated soul that is paranoid and impure, that we must shift from belief to presence, surrender to God, and be absorbed in God's presence, letting go of any egoic props, and choosing to serve God.
The Decline and Fall of Dharma—and Triumphal Return - 02.02.20
Shunyamurti discusses the problems that arise on the spiritual path in the modern world, as well as the history of Buddhism and the discovery of lost Tibetan Zen texts that reveal the message that these texts have for us.
The 7 Stages of Soul Development - 12.28.19
In this powerful and inspiring opening night retreat teaching, Shunyamurti outlines the spiritual revolutionary's soul journey, a transformational shift into soul consciousness that transcends the ego's false paradigm to attain the Absolute! Love this teaching? To purchase the entire audio/video retreat package, cleck here: https://www.satyoga.org/product-page/advanced-training-for-spiritual-revolutionaries
The 7 Stages of Death and Rebirth—Self-Realization in a Morphing World - 02.21.20
In anticipation of our upcoming 7-day Transformational Meditation Retreat with Shunyamurti, Awakening in a Dying World, we share with you this powerful teaching on the seven stages of death and rebirth and how to achieve Self-realization in a morphing world. Learn more about this retreat: https://www.satyoga.org/meditation-retreat-costa-rica-april
The Real of Being - No Effort, No Intention But One - Livestream Satsang: February 2020 - 02.16.20
Livestream satsang recorded on February 16, 2020.
KundrecensionerVisa alla
Life Coach
Very Interesting, calling for all being to listen to make a change and grow. Do the right thing and make self development a higher value.
I get to connect with the teacher on so many points although this is the first time I hear someone says what I believe and teaches for so many years. Myself I don't have the knowledge that this teacher has, I just believe things are as he tells.
Thank you for this inspiration!
It is time that things changes. Do your work, it is important.
Thank you for sharing it with me.
With care,


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Lecture - lets talk stones
From old Egypt, the Greeks and the Romans, the Aztec, via the Spanish conquerors to European nobility, and from the Maharajas to Hollywood: coloured gemstones have always been a symbol for power and faith, and a whole array of positive effects on people. De magic attraction of gemstones is always present in the collection of Dekker Antiquairs. Immerse yourself in the gemstone world with us on May 25, and discover the gems that inspire goldsmiths to make beautiful jewellery.


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Wireless Systems for Guitar and Bass | Product code: XSW-D-PORTABLE-BASE-SET | ID: 312766
Available on request
Wireless digital portable base set. One-touch ease-of-use wireless audio set with XSW-D 3.5mm (1/8") transmitter, XSW-D 3.5mm (1/8") receiver, 3.5mm coiled cable, cold shoe mount, belt clip and USB-A to USB-C charging cable. One-touch ease-of-use wireless audio set that utilizes a digital transmission to seamlessly link audio sources. This elegant solution makes wireless presentations easier than ever before while maintaining a reliable connection. It offers 2,4 GHz digital transmission, 75 m range, up to 5 hours battery life on a single charge, switch between multiple transmitters linked to one receiver, configure any combination of transmitters and receivers and mute from either transmitter or receiver.
Overall score based on 0 user reviews:
Do you own Sennheiser XSW-D Portable Base Set or have you had a chance to try it?


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$20.00 CDN each
- Social and economic exclusion.
- At-risk youth and youth gangs.
- Illegal gun ownership and weapons.
1st time buyers usually purchase the Violence and Shun the Guns wrist bracelets and have become one of the most effective ways to incite and keep the conversation going. A consistent conversation ultimately leads to results. Wearing wrist bracelets are always popular which can be worn daily. Visit the main Facebook page: www.facebook.com/silencetheviolenceandshuntheguns/ or the Canadian Facebook page: www.facebook.com/silencetheviolenceandshunthegunscanada/ to see the entire line of items. Buy here!


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At the 6th edition of the Social Media Jury Conference, Entrepreneurs from all walks of life gathered together on the 26th of July at the Prestigious Oriental Hotel to discuss the theme ''Leveraging Digital Channels for Growth''.
Welcoming guests at the event, the Convener of the SM Jury, Tonia Odili, said the goal of the Jury, ''is to play an instrumental role in developing entrepreneurs and businesses in Nigeria''.
She further highlighted the achievements of the SM Jury which includes training of over two thousand young and creative entrepreneurs within a period of two years and more than 60 percent success stories from attendees.
Speaking at the event, ex housemates of Big Brother Naija , Tobi Bakare and Lolu Shomuyiwa advised brands to define the primary goal they are trying to achieve via digital channels and also choose to be relevant in all their communinications.
The Communications lead of Microsoft Nigeria, Muyemi Orimolode and CEO of Erdters, Abiola Fabio also emphasized the importance of consistency as key to every start up business because it helps to build trust in the minds of customers.
Rant master and Instagram Comedian, Lasisi Elenu also spoke extensively on the theme.
The event was moderated by on air personality Onoge Tega Ben.
The SM Jury is proudly supported by Epe Resort, Make up by Chinny, Sweet Kiwi, Coldstone Creamery, Infusion Cakes, XXIV Karat Nigeria, Mpearlz, Nigerian Breweries, Godfessions, Endorse Water and the U.S Embassy.
The SM Jury is an NGO that brings together young and creative entrepreneurs, brands, personalities etc. to have a one on
one interaction with thought leaders and learn from case studies scenarios in a round table panel as it relates to Digital.


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She may be nineteen decades more than me, but she is still the greatest person I've ever actually achieved in person. Her name is Janie, and her desk is approximately five feet behind mine at work. She is short and tiny, with wonderful feet and probably the most wonderful ass I have actually seen. Her crazy hair actually stands out, but it's definately not the only thing about her that draws my attention to her. She really is the total deal, having an wonderful personality on top of her gorgeous beauty. The best part of the morning is when I hear the pressing of her high heels as she hikes in, and guides right previous my desk. We generally say good morning, and frequently include a little something otherwise to your very short day discussion, and then I can watch her butt while she walks to her desk. The best area of the morning is when she is filing the requests in the strip of record cabinets straight behind my desk. It's impossible to concentrate when she is bent over, showing her remarkable ass off such as the trophy it is. It's likely you have guessed by since I do believe she has the sweetest butt I have actually seen. This morning we were designed to wear red for a large customer who was around, but when she went in she'd on this particular blue sun skirt. It seems like cotton, and actually passes over her legs the exact same way silk would, however it does not feel like silk. Either way, she looks amazing inside it, but it's maybe not red at all. Hello Janie. Do you have any red on at all? I requested, actually astonished that she wasn't wearing any. Not that you will see, she answered, with a coy laugh on her face. Janie! was all I could muster, in my own complete disbelief. She had nothing you've seen prior claimed such a thing like that if you ask me, and it caught me totally down guard. Her smirk converted into a big look, and then she started laughing. I couldn't tell from her reaction if it slipped out, or if she said it on purpose and was flirting with me. I decided to perform it safe, and assume she'd tucked up. Porn Free Live The past issue I needed to do was have to explain to my wife why I acquired fired for sexual harassment. To make things a whole lot worse, her husband was a huge overwhelming guy. Therefore, I believed it far better get the cautious road. She went to her table, and remaining me bewildered at mine. The past few years we have been calling her work mom, since she always attempts to create every one experience at home, whilst in the office. She brings morning meal frequently, and generally makes sure I get first dibs. She is usually the one who organizes the happy time get togethers. Therefore, there I was instantly and instantly picturing the smokin warm office mother in a red bra and red panties. Obviously, I've had a hard time concentrating on my work today. About half an hour after she returned to her workplace, I couldn't stand it any longer. I had to find out if she was flirting with me or not. I came with an ideal approach to find out. I jumped up and went over to her desk. Once you said I couldn't see your red, Xxx Hot Live Sex did you suggest at that moment, since it absolutely was covered up, leaving the possibility that I will manage to notice it? I asked, with a laugh that I thought might hold me out of HR.
I've wanted to do that for 36 months now. You have no idea how often times I have fantasized about this, I said. What, you think I haven't seen you focus at my ass all this time around? Some times I go by your table, because I am aware I'll have your attention. Delay, you have been calling me work mother for three years. Does that produce this bizarre? she asked. Oh nightmare, I hadn't actually considered that. I do believe we only had company incest, I claimed, joking at my very own joke. Fortunately, she laughed as well. Then she rolled down me, turned onto her part, and gave me still another long enthusiastic kiss. Ok, therefore, we can not do this again, for a number of reasons. I just wanted to thank you for being so sweet, and nurturing therefore significantly about me, but I think I will have let it escape hand. I assurance this Free Webcam Sex Chat wasn't my purpose, she said. Getting me extended and hard again. I believe you are absolutely correct, we absolutely shouldn't try this again. To any extent further, we should go to 1 of our properties, or get a college accommodation, I claimed with a laugh. You end it, I'm being serious, she laughed. Reaching me in the shoulder playfully. Yet another long kiss. We greater get up, before somebody guides in on us. We both remain up, and started collecting her clothes. She seems so beautiful getting her panties on, and then her bra. Seeing her right now, in only her scarlet bra and vivid red panties, she appears just how I pictured her today when she began this full basketball a rollin. Dragging up my trousers, I zip up and gear up, and hand her dress to her. She places it on, and turns her back if you ask me, in a silent request for help. I get the freezer, and go it up the back. She turns around and we hug again. I hope you could allow some steam down in the shredder room. I am gonna allow you actually demolish Cam Sex Live Free these documents now, I claimed with a smirk. That is certainly probably the most enjoyment I've ever had in that room. So, you think you'll manage to keep the hands to your self now? We can't get too relaxed together, or we'll get caught, she said. Oh not really a chance. You do not know how usually I've been tempted to grab your butt when you are filing. Today I am aware I am gonna give into that twenty temptation, and soon you tell me to avoid of course. I really do have yet another question though. Did you wear that attractive orange skirt today, only so I'd question you if you'd any red on? I ask. Oh you are great Brian, she answered. She turns and sees the package, to use it the desk, and obviously provides me a great view of her ass. While checking out her ass, yet again, I notice a sizable bright glob of cum moving down her internal thigh. I declare I just believed my wang twitch again.
When she made to consider me she didn't return the look straight away, and appeared to be she may have
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To represent the students of the School of Physical Education actively and responsibly.
Be a reliable, responsible and participative organization where students could be represented and can develop academically and personally.
To represent the students of the School of Physical Education before the teachers and deans of our school, Universidad Autonoma de Nuevo Leon, and other organizations, associations, and federations at local, national, and international levels. To defend and constantly protect the rights of students.
To ensure compliance with the decisions issued by the students' general assembly of our school and UANL. To function as a communication channel between the students, our school management and its teachers, seeking and promoting all the mechanisms that allow to solve students' different individual and collective situations. To promote and support all kinds of activities in favor of the integral formation of students in the academic, scientific, investigative, political, cultural, sportive and artistic areas. To report with truthfulness and objectively the activities that will be carried out and the results of those already carried out by the student council and other organizations that involve students.
Why is there a student council?
For you, who have chosen us and have trusted us to look for solutions for your difficulties during the years of your studies, and have given us the opportunity to represent you before the administrative bodies of the school.
Who are the members?
Denisse Gallegos | Consejero Alumno
Diana Arzate | Presidente Estudiantil
Fernando Martínez López | Sub Consejero
Jorge Alberto Maldonado Sánchez | Sub Presidente
Idgeni Michelle Durán Chávez | Tesorería
Francisco Adrián García Pérez y Fernando Marcelo Sánchez Morales | Coordinación de Deportes
José Carlos de la Cruz Sánchez y Fernando Alonso Magadan Rodríguez | Coordinación de Redes Sociales
Yanina Graciela Vega Ley, Sofía Fernanda Martínez Montaraz y Cesiah Farah Orta | Coordinación Cultural
Kiara Vianey Magaña Navarro | Coordinación de Voluntariado
Marbella Romero Rojas | Coordinación de Diseño y Publicidad


text: Travel Is Vladimir Putin the new Chuck Norris? Eva Holland Sep 2, 2008 Putin gets the job done. You know about the facts, right? Here's a favorite: Chuck Norris destroyed the periodic table, because he only recognizes the element of surprise. Or the always classic: Chuck Norris can kill two stones with one bird. Well, look out, Chuck Norris. There's a new manly-man in town: Vladimir Putin. Small nations fear him. Unusually flexible gymnasts fall at his feet. And today, we learned, even the mighty tiger – the king of the jungle – was no match for his courage and skill. According to Reuters, Putin was visiting a national park and tiger habitat when one of the cats escaped from its handlers and turned on the camera crew. Putin's alleged lady friend, Alina Kabaeva. The politician, clad in camo for the event, leapt to the rescue and quickly shot the beast with a tranquilizer gun. So here's a Vladimir Putin fact for you – hopefully, the first of many. Vladimir Putin CAN take a tiger by the toe. And even if he hollers, Putin never lets him go. Eeny, meeny, miny, moe. What did you think of this article? Meh Good Awesome Bookmark Posted In Travel


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The new service, which is scheduled to begin on March 07, 2019, will reportedly be the only nonstop flight offered between the Pacific Northwest and Central Ohio.
"Alaska Airlines continues to connect the West Coast with exciting new destinations across the country," said John Kirby, vice president of capacity planning and alliances, Alaska Airlines.
"This new service to Columbus represents Alaska's first destination in the Buckeye State, and our commitment to offer the most nonstop destinations from our hometown of Seattle."
Alaska currently operates an average of 31 daily flights from the West Coast to 10 Midwest cities, which includes Chicago; Detroit; Indianapolis; Kansas City, Missouri; Milwaukee, Wisconsin; Minneapolis; Oklahoma City; Omaha, Nebraska; St. Louis; and Wichita, Kansas.


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Create an Account - Increase your productivity, customize your experience, and engage in information you care about.
Older Americans Month encourages older adults to connect with friends, family, and services that support participation. The 2019 theme: Connect, Create, Contribute motivates older adults to create by engaging in activities that promote learning, health, and personal enrichment.
Commissioners Court unanimously approved a proclamation recognizing that communities who encourage the contributions of older adults are stronger.
One example of a Hidalgo County elder community agency is Amigos Del Valle, Inc., which includes a growing number of older adults who stay active in the community by participating in physical and mental exercises, and programs offered by the agency.
"Thank you for your continued support with CDBG funds," said Executive Director Alex Guerra. "I would like to thank the seniors for being here with us today; without them, a lot of packaging of home delivery meals wouldn't get done."


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I have been using your Dog Formula on my 12-year-old pit bull rescue for about one month. I noticed a difference in him right away! Louie has no hip sockets, and lives in constant pain. Your Dog Formula has put a young pup's spring in his step! Thank you for helping the furry man in my life!
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My little Chihuahua began having seizures, so I took him to his regular vet. The vet put him on phenobarbital, while it may have slowed down his seizures, the side effects were terrible. He could no longer walk nor stand without falling over. I got in touch with a friend at Brother Wolf Animal Rescue. She told me about Silver Moon CBD and sent me a sample. Almost immediately, my Chihuahua recovered and could walk and run.
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- On the street
- Gratis
Beauty & Wellness
- Whirlpool
- Sauna
Wireless Internet
- Free internet
Other activities
- Coffee bar
- Fax
- Laundry and ironing service
Beach - Surrounding:
Slovenia is the youngest and the smallest European country. But her position is such that everyone desires for. It is a natural crossroad of European paths from north to south and from west to east. It lies by foothills of the easternmost end of the Alpine chain and at the far end of the most northern Mediterranean Bay. Foreigners simply must to get to know it, because we are hiding many interesting charming places. Above the urban bustle lies an image of the flashing Ljubljana, where many cultural and artistic versions with a dash of slovenianness resides. Through the city core meanders Ljubljanica, flowing dreamily, caught between the willows. Hotel Medno is located in peaceful, green area. If you wish to refresh your mind and body and to escape from the city bustle just a little bit, this is the right place for you. Hotel Medno is surrounded by the woods on one side and on the other side your sight follows gorgeous turquoise river Sava and snowy peaks of mighty Alps. This is a place, caught between the city and the province. It is located only nine kilometres away from the beloved Ljubljana center. Just by the hotel there is a regional road, leading towards Kranj and thereafter towards Austria and Italy. The airport of Jože Pučnik is only fifteen kilometres away. Hotel Medno offers 60 beds. The rooms are from different categories, so everyone can find a suitable one. We offer kindness, hospitality and privacy to our guests. We wish that every single guest wishes to return to our hug of nature. We are trying to organise memorable weddings, celebrations and experiences for you. For our business guests there is also congress hall to rent with free use of technical equipment. After an eventful day you can surrender yourself to sweet pleasures in our whirlpools and saunas. Our location is also excellent base for everyone, who wishes to be connected to nature and sports. Caught between urban bustle and peaceful nature, we are eagerly expecting you.
- Town center: 9 Km
- Airport: 15 Km


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$132.50 $265
The Fall '19 runways confirmed that cargo pants are here to stay for another season, so we suggest adding this hand painted Rock'N Karma pair to your cart. Cut from signature 2-way stretch miracle fabric with just the perfect hint of stretch, with chunky pockets.
About Me
- 85% Rayon, 15% Lycra "Miracle fabric"
- Hand painted
- Slim fit
- Fabric resiliency; stays true to size
Love Me Right
- Machine wash with cold water and leave flat to dry. Easy and simple, the way fashion should be.


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After a visit to some of the waters in the Antrobus areas today, it has been decided to close the following waters temporarily. This will be reviewed on a daily basis and relayed to the members via this website, The Club forum and The Club Facebook page.
Farm Pool
This popular small pool on Foggs Lane now only has the raised pegs above water, for safety reasons, please do not use this pool until declared safe to do so.
Founders Pool
Just along from Farm pool is the prolific Carp and Catfish water on Antrobus Golf course. This has all pegs underwater and the island in the middle has disappeared! Just the bushes/trees on the island are visible. Following a bailiff check today, it was decided to close this water, again temporarily, for safety reasons.
A number of fishing items were retrieved from the water by Kev Haworth and Greg Winstanley, however Kev was treated to filling his Wellies and soaking his Pants whilst retrieving a Korda marker float!
Please be careful of what you leave on the banks of any Lymm water, but especially one that we have shared access too. As members of Lymm, what you leave reflects not just on you, but The Club and Angling as a whole. The Club takes litter and discarded tackle VERY seriously.
This now brings the total of closed waters to three, with Micklewrights Flash near Crewe remaining closed.


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If God had wanted man to fly, he would have well, you know. The point is that a lack of wings didn't stop Kent Couch. On July 5 Mr. Couch, a 48-year-old gas station owner, slipped the surly bonds of Earth in a device of his own making: a lawn chair attached to more than 150 helium-filled balloons. Taking off from Bend, Ore., Mr. Couch drifted 235 miles to Cambridge, Idaho, in about nine hours.
It was his third "cluster balloon" excursion since 2006.
"Once you're up, it's really pleasant," he said. "It's so serene. That's a word I never used before this."
Serene might be one description of the experience. Idiotic might be another. But there does seem to be an undeniable whimsy to the idea of floating away in a comfortable chair buoyed by a panoply of shiny balloons.
"There are two distinct camps," said Andrew Baird, president of the Balloon Federation of America. "Some are experienced balloonists who know what they're doing. And there are those who know little or nothing. Those are the kind of people who are going to get in trouble."
He estimates that there are perhaps 10 such flights a year, though no one knows for sure. No license is required. Nor is a flight plan.
Jean Piccard, the aeronautical pioneer, may have been the first to use multiple balloons to fly. In 1937, he ascended to 11,000 feet over Minnesota and Iowa in a small gondola attached to 95 four-foot-tall balloons. He landed safely, reportedly by popping balloons with a knife and revolver to control his descent.
Nearly 20 years later, moviegoers were entranced as a young boy clutching a bevy of bright balloons soared above Paris in the 1956 French film "The Red Balloon." The image is so enduringly tantalizing, yet so seemingly unbelievable, that it was explored in a pilot episode of the Discovery Channel series "MythBusters."
Of course, we're not talking birthday-party balloons here. Huge latex or chloroprene balloons are the instruments of choice. Normally used for advertising or promotional purposes, the balloons are commercially available, generally in diameters up to eight feet. Inflate enough of these gasbags with helium, attach them to a seat or harness, and voilà instant Daedalus. To come down, pop them with a pellet gun or cut them loose. One at a time, of course.
The patron saint of the everyman school of cluster ballooning the chief "balloonatic," if you will is undoubtedly Lawrence Walters, a k a Lawn Chair Larry. In 1982, he became an overnight folk hero when he tied 42 weather balloons to a lawn chair in San Pedro, Calif., christened the craft "Inspiration I" and shot up to more than 16,000 feet. Adrift and out of control, he startled at least two airline pilots. Upon descending Mr. Walters snared a power line, caused a brief blackout, and was fined $1,500 by the Federal Aviation Administration.
He was lucky. On April 20, a Brazilian priest named Adelir Antonio de Carli took off from the coastal city of Paranaguá, buoyed by 1,000 balloons. He was reported missing eight hours later. The day before Mr. Couch's flight, rescuers recovered a body from the ocean that they said may be Father de Carli's.
Les Dorr, a spokesman for the F.A.A., said that the phenomenon is probably "too small" to warrant guidelines. But he added, "If someone is planning it, for their own safety they really should contact us." In Mr. Couch's case, Mr. Dorr said, "we're looking into it to see if he violated any F.A.A. regulations."
Shortly after his adventure, Mr. Couch indeed got a phone call from the F.A.A. They were not pleased to learn that he had flown through a cloud, thereby violating rules about maintaining visual contact with the ground. The F.A.A. also wanted to determine if his contraption qualified as an ultralight aircraft, as defined by Federal Aviation Regulations, Part 103.
"It sounded like three or four guys in a room firing questions," Mr. Couch recalled. "I said, 'Maybe I should get an attorney.' "
Although Mr. Couch is largely self-taught, cluster balloonists like Jonathan Trappe, who went aloft for four hours on June 7 with 55 huge helium balloons, prefer to take no chances. A 35-year-old technical projects manager in Raleigh, N.C., Mr. Trappe is an F.A.A.-certified private pilot, rated to operate hot-air balloons. For his recent flight, he worked with an F.A.A.-certified rigger, carried a clutch of safety equipment and alerted regional air traffic controllers ahead of time.
"Cluster ballooning is something people can do," Mr. Trappe said. "They just need to do it safely. I'm very concerned that people will do it without the appropriate training."
Not that he didn't inject some whimsy into his trip. Mr. Trappe's gondola was actually his office chair. "It represents a contrast between the normal mundane world," he said, "and the world of my dreams."


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Although Sanur Beach lives in the shadow of the legendary beaches of Kuta, Jimbaran and Nusa Dua, a great number of tourists come here every year. In the thirties it used to be an unknown little fishing village of Sanoa located in front of a jutting bay protected from the sea by a coral reef. Many artists and intellectuals from different countries lived here at that time enjoying their existence in this exotic place. Sanur is the first district of Bali that started to develop tourist infrastructure of the island.
At present Sanur is a popular holiday destination in Bali where several excellent hotels as well as various bungalows, apartments and villas to every taste, lots of restaurants offering chefs' specials, bars and souvenir shops are located.


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Related provisions for BIPRU 5.8.4
1 - 20 of 41 items.
An export credit agency credit assessment may be recognised by a firm for the purpose of determining the risk weight to be applied to an exposure under the standardised approach if either of the following conditions is met:(1) the credit assessment is a consensus risk score from export credit agencies participating in the OECD "Arrangement on Guidelines for Officially Supported Export Credits"; or(2) the export credit agency publishes its credit assessments, and the export credit
If there is no short-term credit assessment as set out in BIPRU 3.4.112 R, the general preferential treatment for short-term exposures as specified in BIPRU 3.4.37 R applies to all exposures to institutions of up to three months residual maturity.[Note: BCD Annex VI Part 1 point 34]
If there is a short-term credit assessment as set out in BIPRU 3.4.112 R and such an assessment determines the application of a more favourable or identical risk weight than the use of the general preferential treatment for short-term exposures, as specified in BIPRU 3.4.37 R, then the short-term assessment and risk weighting specified in BIPRU 3.4.112 R must be used for that specific exposure only. Other short-term exposures must follow the general preferential treatment for
If there is a short-term credit assessment as set out in BIPRU 3.4.112 R and such an assessment determines a less favourable risk weight than the use of the general preferential treatment for short-term exposures, as specified in BIPRU 3.4.37 R, then the general preferential treatment for short-term exposures must not be used and all unrated short-term claims must be assigned the same risk weight as that applied by the specific short-term assessment.[Note: BCD Annex VI Part 1
Exposures or any part of an exposure secured by mortgages on offices or other commercial premises which cannot properly be considered to fall within any other standardised credit risk exposure class or to qualify for a lower risk weight under BIPRU 3 must be assigned a risk weight of 100%.[Note: BCD Annex VI Part 1 point 51]
For the purpose of defining the secured portion of the past due item, eligible collateral and guarantees must be those eligible for credit risk mitigation purposes under BIPRU 5.[Note: BCD Annex VI Part 1 point 62]
Where a firm is not aware of the underlying exposures of a CIU, it may calculate an average risk weight for the CIU in accordance with the standardised approach subject to the following rules: it will be assumed that the CIU first invests, to the maximum extent allowed under its mandate, in the standardised credit risk exposure classes attracting the highest capital requirement, and then continues making investments in descending order until the maximum total investment limit
The risk weighted exposure amounts for credit risk for exposures belonging to one of the exposure classes referred to in (1) to (4) must, unless deducted from capital resources, be calculated in accordance with the following provisions:(1) for exposures in the sovereign, institution and corporate IRB exposure class, BIPRU 4.4.57 R to BIPRU 4.4.60 R, BIPRU 4.4.79 R, BIPRU 4.5.8 R to BIPRU 4.5.10 R (for specialised lending exposures), BIPRU 4.9.3 R and BIPRU 4.8.16 R to BIPRU 4.8.17
The calculation of risk weighted exposure amounts for credit risk and dilution risk must be based on the relevant parameters associated with the exposure in question. These include probability of default (PD), loss given default (LGD), maturity (M) and the exposure value of the exposure. PD and LGD may be considered separately or jointly, in accordance with the provisions relating to PD and LGD in BIPRU 4.4, BIPRU 4.6, BIPRU 4.7 and BIPRU 4.8 at:(1) for exposures in the sovereign,
Senior management must have a good understanding of the rating system's designs and operations. Senior management must ensure on an ongoing basis that the rating systems are operating properly. Senior management must be regularly informed by the credit risk control units about the performance of the rating process, areas needing improvement, and the status of efforts to improve previously identified deficiencies.[Note:BCD Annex VII Part 4 point 126]
Internal ratings-based analysis of the firm's credit risk profile must be an essential part of the management reporting required under BIPRU 4.3.9 R, BIPRU 4.3.11 R and BIPRU 4.3.13 R. Reporting must include at least risk profile by grade, migration across grades, estimation of the relevant parameters per grade, and comparison of realised default rates and, to the extent that own estimates are used, of realised LGDs and realised conversion factors against expectations and stress-test
The credit risk control unit must be independent from the personnel and management functions responsible for originating or renewing exposures and report directly to senior management. The unit must be responsible for the design or selection, implementation, oversight and performance of the rating systems. It must regularly produce and analyse reports on the output of the rating systems.[Note:BCD Annex VII Part 4 point 128]
The areas of responsibility for the credit risk control unit(s) must include the following:(1) testing and monitoring grades and pools;(2) production and analysis of summary reports from the firm'srating systems;(3) implementing procedures to verify that grade and pool definitions are consistently applied across departments and geographic areas;(4) reviewing and documenting any changes to the rating process, including the reasons for the changes;(5) reviewing the rating criteria
A rating system comprises all of the methods, processes, controls, data collection and IT systems that support the assessment of credit risk, the assignment of exposures to grades or pools (rating), and the quantification of default and loss estimates for a certain type of exposure.[Note:BCD Annex VII Part 4 point 1]
(1) A firm must regularly perform a credit risk stress test to assess the effect of certain specific conditions on its total capital requirements for credit risk. The test to be employed must be one chosen by the firm. The test to be employed must be meaningful and reasonably conservative. Stressed portfolios must contain the vast majority of a firm's total exposures covered by the IRB approach.(2) The stress test must be designed to assess the firm's ability to meet its capital
(1) The exposure value for the items set out in this rule must be calculated as the committed but undrawn amount multiplied by the applicable conversion factor set out in this rule.(2) For credit lines which are uncommitted, that are unconditionally cancellable at any time by the firm without prior notice, or that effectively provide for automatic cancellation due to deterioration in a borrower's credit worthiness, a conversion factor of 0 % applies. To apply a conversion factor
Notwithstanding BIPRU 4.4.76 R, the exposure value of credit risk exposures outstanding, as determined by the firm, with a central counterparty must be determined in accordance with BIPRU 13.3.3 R and BIPRU 13.8.8 R (Exposure to central counterparty), provided that the central counterparty'sCCRexposures with all participants in its arrangements are fully collateralised on a daily basis.[Note:BCD Annex VII Part 3 point 8]
The risk weighted exposure amount for each exposure which meets the requirements set out in BIPRU 5.7.2 R and BIPRU 4.4.83 R (Double default) may be adjusted according to the following formula:(1) Risk weighted exposure amount = RW *exposure value * (0.15 + 160*PDpp)](2) PDpp = PD of the protection provider(3) RW must be calculated using the relevant risk weight formula set out in BIPRU 4.4.57 R for the exposure, the PD of the obligor and the LGD of a comparable direct exposure
To be eligible for the treatment set out in BIPRU 4.4.79 R, credit protection deriving from a guarantee or credit derivative must meet the following conditions:(1) the underlying obligation must be to:(a) a corporate exposure, excluding an exposure to an insurance undertaking (including an insurance undertaking that carries out reinsurance); or(b) an exposure to a regional government, local authority or public sector entity which is not treated as an exposure to a central government
A firm using the IRB approach, but not using its own estimates of LGD and conversion factors, may recognise credit risk mitigation in accordance with BIPRU 5 as modified by BIPRU 4.10 in the calculation of risk weighted exposure amounts for the purposes of the calculation of the credit risk capital component or as relevant expected loss amounts for the purposes of the calculation in GENPRU 2.2.191 R to GENPRU 2.2.193 R or GENPRU 2.2.236 R.[Note: BCD Article 91 (as it applies to
(1) For the recognition of receivables as collateral the requirements in this paragraph must be met.(2) The legal mechanism by which the collateral is provided must be robust and effective and ensure that the lender has clear rights over the proceeds.(3) A firm must take all steps necessary to fulfil local requirements in respect of the enforceability of security interests. There must be a framework which allows the lender to have a first priority claim over the collateral subject
(1) Where:(a) risk weighted exposure amounts and expected loss amounts are calculated under the IRB approach; and(b) an exposure is collateralised by both financial collateral and other eligible collateral;LGD* to be taken as the LGD for the purposes of the IRB approach must be calculated in accordance with this rule.(2) A firm must subdivide the volatility-adjusted value of the exposure (i.e. the value after the application of the volatility adjustment as set out in BIPRU 5.4.28
(1) In the case of a firm using the IRB approach to calculate risk weighted exposure amounts and expected loss amounts, the persons in (2) are added to the list in BIPRU 5.4.64 R (Definition of core market participant).(2) The persons referred to in (1) are other financial companies (including insurance companies) exposures to which do not have a credit assessment by an eligible ECAI and are internally rated as having a probability of default equivalent to that associated with
A firm must have clearly specified criteria for the types of guarantors it recognises for the calculation of risk weighted exposure amounts.[Note: Annex VII Part 4 point 98]
A firm must have clearly specified criteria for adjusting grades, pools or LGD estimates, and in the case of retail exposures and eligible purchased receivables, the process of allocating exposures to grades or pools, to reflect the impact of guarantees for the calculation of risk weighted exposure amounts. These criteria must comply with the minimum requirements referred to in BIPRU 4.10.43 R.[Note: BCD Annex VII Part 4 point 101]
GA as calculated under BIPRU 5.8.11 R is then taken as the value of the protection for the purposes of calculating the effects of unfunded credit protection under the IRB approach.[Note: BCD Annex VIII Part 4 point 8 (part)]
Notwithstanding BIPRU 4.3.5 R (Relevant parameters), the calculation of risk weighted exposure amounts for credit risk for all exposures belonging to the equity exposureIRB exposure class must be calculated in accordance with one of the following ways:(1) the simple risk weight approach (see BIPRU 4.7.8 R;(2) the PD/LGD approach (see BIPRU 4.7.13 R); and(3) the internal models approach (see BIPRU 4.7.23 R);in accordance with BIPRU 4.7 and subject to the firm'sIRB permission.[Note:BCD
Notwithstanding BIPRU 4.7.5 R a firm may, if its IRB permission permits it to do so, attribute the risk weighted exposure amounts for equity exposures to ancillary services undertakings according to the treatment of non credit-obligation assets.[Note:BCD Annex VII Part 1 point 18]
The risk weighted exposure amounts must be calculated according to the following formula:risk-weighted exposure amounts = RW * exposure value;where:(1) risk weight (RW) = 190% for private equity exposures in sufficiently diversified portfolios;(2) risk weight (RW) = 290% for exchange traded equity exposures; and(3) risk weight (RW) = 370% for all other equity exposures.[Note:BCD Annex VII Part 1 point 19]
Short cash positions and derivative instruments held in the non-trading book are permitted to offset long positions in the same individual stocks provided that these instruments have been explicitly designated as hedges of specific equity exposures and that they provide a hedge for at least another year. Other short positions must be treated as if they are long positions with the relevant risk weight assigned to the absolute value of each position. In the context of maturity mismatched
The risk weighted exposure amounts must be calculated according to the formulas in BIPRU 4.4.58 R (Risk weighted exposure amounts for sovereigns, institutions and corporates). If a firm does not have sufficient information to use the definition of default a scaling factor of 1.5 must be assigned to the risk weights.[Note:BCD Annex VII Part 1 point 22]
At the individual exposure level the sum of the expected loss amount multiplied by 12.5 and the risk weighted exposure amount must not exceed the exposure value multiplied by 12.5.[Note:BCD Annex VII Part 1 point 23]
The risk weighted exposure amount is the potential loss on the firm'sequity exposures as derived using internal value-at-risk models subject to the 99th percentile, one-tailed confidence interval of the difference between quarterly returns and an appropriate risk-free rate computed over a long-term sample period, multiplied by 12.5. The risk weighted exposure amounts at the equity exposure portfolio2 level must not be less than the total of the sums2 of the minimum risk weighted
3Where appropriate, volatilities and correlations of market risk factors used in the joint simulation of market risk and credit risk must be conditioned on the credit risk factor to reflect potential increases in volatility or correlation in an economic downturn.[Note: BCD Annex III Part 6 point 14]
(1) The firm must have a control unit that is responsible for the design and implementation of its CCR management system, including the initial and on-going validation of the model.(2) This unit must control input data integrity and produce and analyse reports on the output of the firm's risk measurement model, including an evaluation of the relationship between measures of risk exposure and credit and trading limits.(3) This unit must be:(a) independent from units responsible
(1) A firm must stress test its CCRexposures, including jointly stressing market risk and credit risk factors.(2) In its stress tests of CCR, a firm must consider concentration risk (to a single counterparty or groups of counterparties), correlation risk across market risk and credit risk, and the risk that liquidating the counterparty's positions could move the market.(3) In its stress tests a firm must also consider the impact on its own positions of such market moves and integrate
(1) A firm'sCCR internal model method model must meet the validation requirements in (2) to (8).(2) The qualitative validation requirements set out in BIPRU 7.10 must be met.(3) Interest rates, foreign currency rates, equity prices, commodities, and other market risk factors must be forecast over long time horizons for measuring CCRexposure. The performance of the forecasting model for market risk factors must be validated over a long time horizon.(4) The pricing models used to
The following parties may be recognised as eligible providers of unfunded credit protection:(1) central governments and central banks;(2) regional governments or local authorities;(3) multilateral development banks;(4) international organisationsexposures which are assigned a 0% risk weight under the standardised approach;(5) public sector entities, claims on which are treated as claims on institutions or central governments under the standardised approach;(6) institutions;(7)
When a firm conducts an internal hedge using a credit derivative - i.e. hedges the credit risk of an exposure in the non-trading book with a credit derivative booked in the trading book - in order for the protection to be recognised as eligible for the purposes of BIPRU 4.10 or BIPRU 5 the credit risk transferred to the trading book must be transferred out to a third party or parties. In such circumstances, subject to the compliance of such transfer with the requirements for the
Where an exposure is protected by a guarantee which is counter-guaranteed by a central government or central bank, a regional government or local authority or a public sector entity claims on which are treated as claims on the central government in whose jurisdiction they are established under the standardised approach, a multilateral development bank or an international organisation,1to which a 0% risk weight is assigned under or by virtue of the standardised approach, or a public
Where the protected amount is less than the exposure value and the protected and unprotected portions are of equal seniority - i.e.1 the firm and the protection provider share losses on a pro-rata basis, proportional regulatory capital relief is afforded. For the purposes of BIPRU 3.2.20 R to BIPRU 3.2.26 Rrisk weighted exposure amounts must be calculated in accordance with the following formula:(E-GA) x r + GA x gwhere:1(1) E is the exposure value; according to BIPRU 3.2.1 R
Where a firm obtains credit protection for a number of exposures under terms that the first default among the exposures will trigger payment and that this credit event will terminate the contract, the firm may modify the calculation of the risk weighted exposure amount and, as relevant, the expected loss amount of the exposure which would in the absence of the credit protection produce the lowest risk weighted exposure amount under the standardised approach or the IRB approach
Where the nth default among the exposures triggers payment under the credit protection provided by a credit derivative, a firm purchasing the protection may only recognise the protection for the calculation of risk weighted exposure amounts and, as relevant, expected loss amounts if protection has also been obtained for defaults 1 to n-1 or when n-1 defaults have already occurred. In such cases the methodology must follow that set out in BIPRU 5.7.27 R for first-to-default derivatives
The operational requirements referred to in BIPRU 5.4.9 R (3) are as follows:(1) the collateral arrangements must be properly documented, with a clear and robust procedure for the timely liquidation of collateral;(2) a firm must employ robust procedures and processes to control risks arising from the use of collateral - including risks of failed or reduced credit protection, valuation risks, risks associated with the termination of the credit protection, concentration risk arising
The risk weight that would be assigned under the standardised approach to credit risk if the lending firm had a direct exposure to the collateral instrument must be assigned to those portions of exposure values4 collateralised by the market value of recognised collateral. For this purpose, the exposure value of an off-balance sheet item listed in BIPRU 3.7.2 R must be 100% of its value rather than the exposure value indicated in BIPRU 3.2.1 R.4 The risk weight of the collateralised
Core market participant means the following entities:(1) the entities mentioned in BIPRU 5.4.2 R (2)exposures to which are assigned a 0% risk weight under the standardised approach to credit risk;(2) institutions;(3) other financial companies (including insurance companies) exposures which are assigned a 20% risk weight under the standardised approach;(4) regulated CIUs that are subject to capital or leverage requirements;(5) regulated pension funds; and(6) a recognised clearing
A firm must disclose the following information regarding compliance with BIPRU 3, BIPRU 4, 5, BIPRU 7, 5 and the overall Pillar 2 rule:(1) a summary of the firm's approach to assessing the adequacy of its internal capital to support current and future activities;(2) for a firm calculating risk weighted exposure amounts in accordance with the standardised approach to credit risk, 8% of the risk weighted exposure amounts for each of the standardised credit risk exposure classes;(3)
A firm must disclose the following information regarding its exposure to counterparty credit risk:(1) a discussion of the methodology used to assign internal capital and credit limits for counterparty credit exposures;(2) a discussion of policies for securing collateral and establishing credit reserves;(3) a discussion of policies with respect to wrong-way riskexposures;(4) a discussion of the impact of the amount of collateral the firm would have to provide given a downgrade
A firm must disclose the following information regarding its exposure to credit risk and dilution risk:(1) the definitions for accounting purposes of past due and impaired;(2) a description of the approaches and methods adopted for determining value adjustments and provisions;(3) the total amount of exposures after accounting offsets and without taking into account the effects of credit risk mitigation, and the average amount of the exposures over the period broken down by different
For a firm calculating risk weighted exposure amounts in accordance with the standardised approach to credit risk, the following information must be disclosed for each of the standardised credit risk exposure classes;(1) the names of the nominated ECAIs and export credit agencies and the reasons for any changes;(2) the standardised credit risk exposure classes for which each ECAI or export credit agency is used;(3) a description of the process used to transfer the issuer and issue
A firm must disclose its capital resources requirements separately for each risk referred to in (1), (2) and (3):44(1) in respect of its trading-book business, its:(a) interest rate PRR;(b) equity PRR;1(c) option PRR;(d) collective investment schemesPRR;(e) counterparty risk capital component; and(f) [deleted]6(2) in respect of all of its business activities, its:(a) commodity PRR; and(b) foreign currency PRR; and41(3) its specific interest-rate risk of securitisation positions.4[Note:
A firm calculating risk weighted exposure amounts in accordance with BIPRU 9 or capital resource requirements according to BIPRU 7.2.48A R to BIPRU 7.2.48K R4 must disclose the following information, where relevant separately for its trading book and non-trading book:4(1) a description of the firm's objectives in relation to securitisation activity;(1A) the nature of other risks, including liquidity risk inherent in securitised assets;4(1B) the type of risks in terms of seniority
(1) To calculate risk weighted exposure amounts, risk weights must be applied to all exposures, unless deducted from capital resources, in accordance with the provisions of BIPRU 3.4.(2) The application of risk weights must be based on the standardised credit risk exposure class to which the exposure is assigned and, to the extent specified in BIPRU 3.4, its credit quality.(3) Credit quality may be determined by reference to:(a) the credit assessments of eligible ECAIs in accordance
For the purposes of applying a risk weight, as referred to in BIPRU 3.2.20 R, the exposure value must be multiplied by the risk weight specified or determined in accordance with the standardised approach.[Note: BCD Article 80(2)]
Notwithstanding BIPRU 3.2.20 R, where an exposure is subject to credit protection the risk weight applicable to that item may be modified in accordance with BIPRU 5.[Note: BCD Article 80(4)]
Risk weighted exposure amounts for securitisedexposures must be calculated in accordance with BIPRU 9.[Note: BCD Article 80(5)]
Exposures the calculation of risk weighted exposure amounts for which is not otherwise provided for under the standardised approach must be assigned a risk weight of 100%.[Note: BCD Article 80(6)]
(1) Subject to BIPRU 3.2.35 R, and with the exception of exposures giving rise to liabilities in the form of the items referred to in BIPRU 3.2.26 R, a firm is not required to comply with BIPRU 3.2.20 R (Calculation of risk weighted exposures amounts under the standardised approach) in the case of the exposures of the firm to a counterparty which is its parent undertaking, its subsidiary undertaking or a subsidiary undertaking of its parent undertaking provided that the following
The originator of a traditional securitisation may exclude securitised exposures from the calculation of risk weighted exposure amounts and expected loss amounts if either of the following conditions is fulfilled:(1) 2significant credit risk associated with the securitised exposures is considered to have been transferred to third parties; or(2) 2the originator applies a 1250% risk weight to all securitisation positions it holds in the securitisation or deducts these securitisation
2Significant credit risk will be considered to be transferred for an originator in the following cases:(1) 2the risk weighted exposure amounts of the mezzanine securitisation positions held by the originator in the securitisation do not exceed 50% of the risk weighted exposure amounts of all mezzanine securitisation positions existing in this securitisation;(2) 2where there are no mezzanine securitisation positions in a given securitisation and the originator can demonstrate that
2An originator's application for a waiver of the requirements in BIPRU 9.4.11R and BIPRU 9.4.12R must demonstrate that the following conditions are satisfied.(1) 2it has policies and methodologies in place which ensure that the possible reduction of capital requirements which the originator achieves by the securitisation is justified by a commensurate transfer of credit risk to third parties; and(2) 2that such a transfer of credit risk to third parties is also recognised for the
Where there is a securitisation of revolving exposures subject to an early amortisation provision, the originator must calculate an additional risk weighted exposure amount in accordance with this section in respect of the risk that the levels of credit risk to which it is exposed may increase following the operation of the early amortisation provision. Accordingly this section sets out how an originator must calculate a risk weighted exposure amount when it sells revolving exposures
In the case of a securitisation meeting the conditions in this paragraph, a firm may apply to the appropriate regulator for a waiver that would allow a treatment which approximates closely to that prescribed in BIPRU 9.13.13 R to BIPRU 9.13.17 R for determining the conversion figure indicated. If a firm wants such a waiver, it should satisfy the appropriate regulator that:(1) the securitisation is subject to an early amortisation provision of retail exposures;(2) those retail
For the purposes of calculating risk weighted exposure amounts, a maturity mismatch occurs when the residual maturity of the credit protection is less than that of the protected exposure. Protection of less than three months residual maturity, the maturity of which is less than the maturity of the underlying exposure, must not be recognised.[Note: BCD Annex VIII Part 4 point 1]
Where there is a maturity mismatch the credit protection must not be recognised where the original maturity of the protection is less than 1 year.[Note: BCD Annex VIII Part 4 point 2 (part)]
Subject to a maximum of 5 years, the effective maturity of the underlying is the longest possible remaining time before the obligor is scheduled to fulfil its obligations. Subject to BIPRU 5.8.4 R, the maturity of the credit protection is the time to the earliest date at which the protection may terminate or be terminated.[Note: BCD Annex VIII Part 4 point 3]
(1) The maturity of the credit protection and that of the exposure must be reflected in the adjusted value of the credit protection according to the following formula:GA = G* x (t-t*)/(T-t*)where:(a) G* is the amount of the protection adjusted for any currency mismatch;(b) GA is G* adjusted for any maturity mismatch;(c) t is the number of years remaining to the maturity date of the credit protection calculated in accordance with BIPRU 5.8.3 R to BIPRU 5.8.5 R, or the value of
(1) An originator of a synthetic securitisation may calculate risk weighted exposure amounts1, and, as relevant, expected loss amounts, for the securitised exposures in accordance with BIPRU 9.5.3 R and BIPRU 9.5.4 R, if either of the following conditions is fulfilled:1(a) 1significant credit risk is considered to have been transferred to third parties, either through funded or unfunded credit protection; or(b) 1the originator applies a 1250% risk weight to all securitisation
1An originator's application for a waiver of the requirements in BIPRU 9.5.1R (6) and (7) must demonstrate that the following conditions are satisfied:(1) it has policies and methodologies in place which ensure that the possible reduction of capital requirements which the originator achieves by the securitisation is justified by a commensurate transfer of credit risk to third parties; and(2) that such transfer of credit risk to third parties is also recognised for the purposes
(1) In calculating risk weighted exposure amounts for the securitised exposures, where the conditions in BIPRU 9.5.1 R are met, the originator of a synthetic securitisation must, subject to the treatment of maturity mismatches set out in BIPRU 9.5.6 R-BIPRU 9.5.8 R, use the relevant calculation methodologies set out in BIPRU 9.9-BIPRU 9.14and not those set out in BIPRU 3 (Standardised credit risk) or BIPRU 4 (IRB approach).(2) For firms calculating risk weighted exposure amounts
Subject to the treatment of maturity mismatches set out in BIPRU 9.5.6 R-BIPRU 9.5.8 R, the originator must calculate risk weighted exposure amounts in respect of all tranches in the securitisation in accordance with the provisions of BIPRU 9.9-BIPRU 9.14. For example, where a tranche is transferred by means of unfunded credit protection to a third party, the risk weight of that third party must be applied to the tranche in the calculation of the originatorsrisk weighted exposure
For the purposes of calculating risk weighted exposure amounts in accordance with BIPRU 9.5.3 R, any maturity mismatch between the credit protection by which the tranching is achieved and the securitised exposures must be taken into consideration in accordance with BIPRU 9.5.7 R-BIPRU 9.5.8 R.[Note:BCD Annex IX Part 2 point 5]
(1) An originator must ignore any maturity mismatch in calculating risk weighted exposure amounts for tranches appearing pursuant to BIPRU 9.9-BIPRU 9.14 with a risk weight of 1250%. For all other tranches the maturity mismatch treatment prescribed in BIPRU 5.8 (Maturity mismatches) must be applied in accordance with the following formula:RW* is [RW(SP) x (t-t*)/(T-t*)] + [RW(Ass) x (T-t)/(T-t*)](2) The following apply for the purposes of the formula in (1):(a) RW* is risk weighted
For an originator, a sponsor, or for other firms which can calculate KIRB, the risk weighted exposure amounts calculated in respect of its positions in a securitisation may be limited to that which would produce an amount in respect of its credit risk capital requirement equal to the sum of 8% of the risk weighted exposure amount which would be produced if the securitised assets had not been securitised and were on the balance sheet of the firm plus the expected loss amounts of
(1) If:(a) a firm'sIRB permission allows it to use this treatment; and(b) the conditions in (2)(16) are satisfied,a firm may attribute to an unrated position in an asset backed commercial paper programme a derived rating as laid down in (3).(2) Positions in the commercial paper issued from the programme must be rated positions.(3) Under the ABCP internal assessment approach, the unrated position must be assigned by the firm to one of the rating grades described in (5). The position
(1) Subject to any permission of the type described in BIPRU 9.12.28 G, the risk weight to be applied to the exposure amount must be:12.5 (S[L+T] - S[L]) / T(2) The remaining provisions of this paragraph define the terms used in the formulae in (1) and (3).(3) 2(4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) In these expressions, Beta [x; a, b]refers to the cumulative beta distribution with parameters a and b evaluated at x.(16) T (the thickness of the tranche in which the
To calculate the risk weighted exposure amount of a securitisation position, the relevant risk weight must be assigned to the exposure value of the position in accordance with BIPRU 9.9 - BIPRU 9.14 based on the credit quality of the position.[Note:BCD Article 96(1) (part) and Annex IX1, Part 4 point 1]
Where a securitisation position is subject to funded or unfunded credit protection the risk weight to be applied to that position may be modified in accordance with BIPRU 5 (Credit risk mitigation) and, if applicable, BIPRU 4.10 (Credit risk mitigation under the IRB approach) read in conjunction with BIPRU 9.14.[Note:BCD Article 96(3)]
Subject to the provisions of GENPRU that deal with the deduction of securitisation positions at stage M in the relevant capital resources table, the risk weighted exposure amount must be included in the firm's total of risk weighted exposure amounts for the purposes of the calculation of its credit risk capital requirement.[Note:BCD Article 96(4)]
Subject to BIPRU 9.11.5 R, the risk weighted exposure amount of a rated securitisation position or resecuritisation position2 must be calculated by applying to the exposure value the risk weight associated with the credit quality step with which the credit assessment has been determined to be associated, as prescribed in BIPRU 9.11.2 R .2[Note:BCD Annex IX Part 4 point 6]2
Table: This table belongs to BIPRU 9.11.1 R2Credit Quality step1234 (only for credit assessments other than short-term credit assessments)2All other credit quality steps22Securitisation positions2220%50%100%350%1250%22Resecuritisation positions40%100%225%650%1250%[Note: For mapping of the credit quality step to the credit assessments of eligible ECAIs, refer to: http://www.fca.org.uk/your-fca/documents/fsa-ecais-securitisation for the FCA and http://www.bankofengland.co.uk/pra/Documents/publications/ss/2013/ss913.pdf
For the treatment in BIPRU 9.11.8 R to be available,:(1) the securitisation position must be in an ABCP programme;(2) the securitisation position must be in a tranche which is economically in a second loss position or better in the securitisation and the first loss tranche must provide meaningful credit enhancement to the second loss tranche;(3) the securitisation position must be of a quality the equivalent of investment grade or better; and(4) the firm in question must not hold
When the conditions in this paragraph have been met, and in order to determine its exposure value, a conversion figure of 50% may be applied to the nominal amount of a liquidity facility. The risk weight to be applied is the highest risk weight that would be applied to any of the securitised exposures under the standardised approach by a firm holding the exposures. Those conditions are as follows:11(1) the liquidity facility documentation must clearly identify and limit the circumstances
A firm's systems for the management and rating of credit risk exposures must be sound and implemented with integrity and, in particular, they must meet the following standards in accordance with the minimum IRB standards:(1) the firm'srating systems provide for a meaningful assessment of obligor and transaction characteristics, a meaningful differentiation of risk and accurate and consistent quantitative estimates of risk;(2) internal ratings and default and loss estimates used
Notwithstanding BIPRU 13.3.1 R and BIPRU 13.3.5 R, a firm may determine the exposure value of a credit risk exposure outstanding with a central counterparty in accordance with BIPRU 13.3.13 R, provided that the central counterparty'scounterparty credit riskexposure with all participants in its arrangements are fully collateralised on a daily basis.[Note: BCD Article 78(4) in respect of financial derivatives and long settlement transactions]
A firm must set the exposure value for CCR from sold credit default swaps in the non-trading book, where they are treated as credit protection provided by the firm and subject to a capital requirement for credit risk for the full notional amount, to zero.[Note: BCD Annex III Part 2 point 4]
A firm must determine the effective risk weight of the position. It must do this by dividing the risk weighted exposure amount of the position by the exposure value of the position and multiplying the result by 100.[Note:BCD Annex IX Part 4 point 63 (part)]
In the case of funded credit protection, the risk weighted exposure amount of the securitisation position must be calculated by multiplying the funded protection-adjusted exposure amount of the position (E*, as calculated under BIPRU 5.4.28 R (3), taking the amount of the securitisation position to be E) by the effective risk weight.[Note:BCD Annex IX Part 4 point 64]


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Where I work (which is totally not a Walgreens), I get to see all kinds of interesting holiday items come and go through our doors. One of the coolest Halloween items I've seen this year is the Chia (of Pet fame) Zombie line. They come in three different styles: Lifeless Lisa (not pictured), Creepy Holden (not pictured) and Restless Arm (pictured).
The coolest of the bunch is easily the restless arm. It just makes sense. Do you want a zombie with a comical green afro or do you want a creepy hand coming out the ground of what looks to be a weed-ridden cemetery? I was tempted to buy the restless arm but then I remembered that I've never owned a Chia product before and decided to keep it that way.
Matt over at Dinosaur Dracula did buy some Chia Zombies though and has much to say about them. Funny that on the same night I made my discovery, he posted about them just a few hours later.
Last night, I made a critical decision. After years of us trying to sell this one costume, I decided to retire it to the trash. I'm talking about our Adventures of Batman & Robin child's Halloween costume. I grew up watching Fox Kids' Batman: The Animated Series like everyone else. It was an amazing show and probably the best animated series of all-time. That was 22 (!) years ago when the show debuted. For the cartoon's second season, it was re-titled The Adventures of Batman & Robin.
That second season ran from 1994 to 1995. The copyright on the packaging is 1995…
So, yeah. Somehow this Halloween costume has survived NINETEEN YEARS without either being sold or thrown away. Look, Batman is timeless. The costume is timeless. If this outfit had modern packaging, it'd be fine to sell. You would never know it was released when the '90s cartoon was still new, but c'mon… I can't believe no kid ever wanted to be Batman. Even harder to believe is that no one ever wised up (until last night) and said, "Gee, this is really old. We should throw it out. Or at least clearance it."
That's right! This costume had never been marked down. I price-checked it and it was still ringing up at $19.99. The costume wasn't in bad shape, it's just that the packaging was old and beat up and no one was going to buy it looking like that. Finally after years of staring this thing down every Halloween season, I sought approval for trashing this costume and was given the go-ahead.
I actually a felt a bit guilty throwing it out. It was like throwing out a piece of history. This costume was time capsule. A representation of one of the finest animated shows of all time and not some retro piece, it was the real deal when the show was fresh. Even if it was a child's costume, I was half-tempted to buy (at a discounted price, of course) to save it, but all things must come to an end and I couldn't justify having a child's Batman costume hanging in my closet without having to deal with the authorities, so off to the dumpster it went. Obviously, I had to try the mask on before I threw it out though.
You know what else is crazy? The store I work at hasn't been around for 19 years, but the costume has. So that means it was transferred from another store at some point. That costume survived nineteen Halloween seasons and at least two different stores before getting thrown out!


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The Old School
Venue Information
Accessible or ADA seating may be available at this venue through Goldstar. Contact us before buying tickets to make arrangements.
There is no late seating. This event is suitable for ages 13 and up due to coarse language and references to adult situations like murder. Roughly half of the 2-hour experience is outdoors. Ponchos will be provided in case of rain, but this experience takes place rain or shine. This experience is not handicap accessible unless stairs (half a flight, approx. 10) are manageable. There is approximately a half mile of walking, with seating opportunities throughout the experience.
49 The Old School Tips
We went to Sammy's Roumanian Steak--you can skip this one. It was a rip-off.
Very very hot theater!!!
Don't get there too early (1.5 hrs) no one was there and the place looked deserted
Take the subway there, it's so easy.
Parking is hard to find even after 6 so get the early enough to wait for parking to open up.
The Lombardi Case 1975
Bring a half frozen water with you.
The Lombardi Case 1975
Dress weather permitting
The Lombardi Case 1975


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For a video of this post go here
The term "Western Christianity" doesn't quite encompass all it should. By "Western Christianity" I mean the Christianity of Europe, North America, New Zealand and Australia. These are areas dominated by Europeans and their descendents. In these regions, the gears of Christianity have shifted into reverse.
This is not the case in the rest of the world. The kingdom is exploding in the Southern latitudes. Adherents in Africa, Asia and South America are quickly outnumbering their European spiritual siblings. It may be long after I am gone, but I worry that the same malaise that afflicts the Western church will, in time, infect the kingdom there as well.
I say this because in too many cases we missionaries have recreated a "Western" manifestation of Christianity duly adopted by non-Western churches. Yes, they look good now, but what happens when their nations eventually and inevitably possess the material wealth and secular education and outlook of their former missionaries' homelands? The time to think about this is now.
How does the kingdom flourish in a secular, materialistic culture? That's the question we must answer right now in the West for the sake of the kingdom here and in the two-thirds world. We must ask that question because Western Christianity is not flourishing now. It's fading. Does that bother you like it does me?
It seems to me we have three choices: (1) we can ignore the problem and pretend it doesn't exist, (2) we can keep insanely applying the same old ineffective measures or, (3) we can back off, take a hard look at what Jesus told us to do and just do it.
Of course, number three is my choice. Why don't we take an honest look at what we are doing (or not doing) now and answer the question, "Are we really doing what Jesus told us to do?" It seems to me that we are so involved in peripheral matters that we have neglected (or just ignored) the core matters.
If Jesus or Peter or Paul suddenly made a surprise visit to survey the followers of Christ today, what would they think about our professional staffs, buildings, schools and all the other tangential things on which we concentrate? And all this while the people around us are separate from Christ, strangers to the covenants of promise, without hope, without God and continually straying like sheep? Be honest now!
Am I on the right track here? Let me know what you think.