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Movie Review: Te3n (2016)
Director: Ribhu Dasgupta
Genre: Thriller
Language: Hindi
Cast: Amitabh Bachchan, Nawazuddin Siddiqui, Vidya Balan, with Padmavati Rao, and Sabyasachi Chakrabarty as Manohar Sinha
Writers: Bijesh Jayarajan (screenplay), Suresh Nair (screenplay), and Ritesh Shah (dialogues)
Rating: 3/5 stars
A thriller that hits multiple notes and evokes diverse emotions from a viewer during its 2-hour+ duration, Te3n is one of those movies that amazes you at times and frustrates you at others. It has the potential to keep you riveted at the edge of your seat, but it's content with making you sit attentively at most.
From the opening scene itself, you feel like you could be in for a treat. The frail yet unmistakably imposing presence of Amitabh Bachchan as an old man, surveying a busy police precinct is exactly the type of scene that leaves the audience wondering – what could have happened? Enter Vidya Balan as the chief inspector, with a calm yet no-nonsense demeanor, who tries to comfort Bachchan for something tragic in his past that still haunts him; and the story is set up really well within the first 15 minutes itself.
Bachchan plays John Biswas, a man who refuses to give up hope on finding the murderer of his only grandchild, even when all others around him – law-enforcers and family alike – have decided to move on. Eight years after the crime remains unsolved, John's intent and conviction of finding the culprit remains steadfast as ever. Almost like a man possessed with a single-minded focus, John's steely resolve goes unnoticed behind his meek, shabby, and harmless outlook. And nailing this multi-faceted complex character to the hilt is that old warhorse, the performer of all performers, the Big B. It's unbelievable how this man excels in every little nuance, every slight emotion; reinventing himself in each character he plays even without seeming like he's trying to. Just when you think what more can Amitabh offer on screen, along he comes with another act to marvel in awe. Additionally, his rendition of the song Kyun Re that plays in the background of one emotional scene is the icing on the cake. Two other songs also play in the background, but they hamper the narrative more than taking it forward.
But this is no one-man show. Bachchan enlists Nawazuddin Siddiqui in his quest, regardless if he wishes to aid him or not. Nawaz plays Father Martin, an ex-cop turned priest, who was also, incidentally, the cop in charge of rescuing John's granddaughter all those years ago. He leaves the force as a result of the severe mental trauma experienced when he couldn't save the kid in time. Though he seeks the priesthood as an outlet to find peace and move on, John isn't quite ready to let him retire to a life of prayer and service just yet.
However, when another kidnapping occurs eight years later, with exactly the same M.O. as John's granddaughter's case, it's exactly the stimulant Martin needs to spring back into action. And spring back he does because this is Nawaz we're talking about. He plays the perfect foil to Bachchan's meatier character, and together, the two play off each other admirable to set us on a wild goose chase. Sandwiched between them is Balan as the cop in charge of the current case, and she's like the mayonnaise that makes the sandwich all the more scrumptious. In fact, Balan has got a substantial supporting role in Te3n, and why she's credited with a guest appearance is best left answered to the makers themselves. Both Balan and Nawaz are at the top of their game. The only thing is that they come up against a veteran, who's not only got a much meatier role, but has years more experience behind him.
So, if everything works so smoothly, what's the issue, you may ask. Well, that's the thing – if things only move along so smoothly, it's because these three actors ensure that they rise above the narrative whenever it threatens to steer off-course. Though Te3n is based on a brilliant Korean film called Montage, what separates the two is the pace and the handling of intricate portions. Director Ribhu Dasgupta does a fine job as long as he's moving the thriller along by the numbers. But the moment the screenplay (well adapted by Suresh Nair, Ritesh Shah, and Bijesh Jayarajan) demands that he looks at things with a complex eye, the inconsistencies in the flow become too evident to overlook. Plus, he decides to play such scenarios by dropping the pace to almost a crawl, wherein he muddles the difference between a slow-burning thriller and just a slow thriller. Also, the big twist that comes in the end satisfies you without exactly leaving you stunned, which would have been fine had Dasgupta not set up the story for an earth-shattering revelation. And that's where the performances of Te3n become all the more crucial to keeping you interested in what's going on.
Te3n may not be the thriller you're expecting, but it still is a thriller that you'd be content walking away from. It had the potential to be so much more, but, thankfully, it at least does enough with that potential to leave a good enough impression on you. With its performances and some suspenseful scenes that hit the mark, Te3n will make for a decent trip to the cinema this weekend.


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of Digital UV
Photography © Bjørn Rørslett/NN
Sand ripples are beatiful to behold and make wonderful photographic objects. The images above were obtained using Nikon D1 with UV-Nikkor 105 mm f/4.5 lens. For the upper image, the Nikon FF + Tiffen hot-mirror filters were employed and for the lower, a Hoya U-360 filter was used. The FF filter has a bigger transmission side-lobe in deep red/near IR than the U-360 filter, besides being more linear in its UV response. Because D1 is quite sensitive to IR, using the Tiffen hot-mirror to cut IR proved advantageous. The downside is that this filter also reduces UV rays to some extent. A plot of the combined spectral response of FF + Tiffen filters is given here.
Despite the long exposure times (up to 30 secs), the D1 images were relatively free of digital noise. Both images were taking using the camera on its "A" setting so directly proving that D1 meters perfectly below 400 nm. The U-360 image contains little or no green and only small amounts of red, while the FF image comprises a wider gamut of colours. Both renditions are quite similar to the images obtained using these filters in conjunction with Fuji RTP film.
For an updated review of digital UV and IR photography, click here.
| Top of Page | Far Side | *UV | IR | Gallery | Reviews | Lenses | Personal | Professional | Start Page |
Last Update 1 October, 2002s


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I'm a big fan of gifts that are not only adorable, and hold a personal touch, but that are EASY and FAST to make. I'm notorious for waiting until the last minute, but still desperately wanting my gift to be something more than a store-bought something. This Snowman Soap is super cute and thoughtful, but is also affordable and fast.
I've made a few of these to keep on hand for those times when I run out of time and still need a cute gift. You can gift it as is (you can make 12 of these little gifts for about $16 total, making them about $1.25 each!) or you can pair it with some homemade cookies or a gift card to make it an awesome gift!
This post may contain affiliate links. See our full disclosure policy HERE.
Snowman Soap | We Wash You A Merry Christmas
You will need:
White Hand Soap ( I used Softsoap from Walmart for $0.98 a bottle)
Free Printable Tags (I printed mine on cardstock)
Black Puffy Paint
Orange Puffy Paint
Curling ribbon (for the scarf)
Twine or thin ribbon (for the tag)
Hole Punch
Orange Essential Oil or Goo Gone
The first thing you will need to do to make Snowman Soap, is to remove the front label. Leave the back label on, but you will need to remove the front one. I peeled the sticker off by hand, and then used orange essential oil to get the sticky residue off the bottle. I just dropped a couple of drops of oil on to the sticky and rubbed with my fingers. I wiped it dry with a paper towel. Once I had to repeat that with an exceptionally sticky label. Once all the sticky is off, use a couple of drops of dish soap to wash off the oil, and a paper towel to wipe it dry.
Snowman Face
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Securing awards has become somewhat of an art form for Maven Wave, the technology consulting firm and Google Cloud Premier Partner that enables digital transformation for enterprises.
For the fifth year in a row, Maven Wave has been named one of the top 50 fastest growing companies in Chicago by Crain's Chicago Business. Landing #42 on the list, Maven Wave's revenue grew 312% for the period evaluated by Crain's, reaching $50 million for 2017.
The company's growth has been fueled by the following key factors:
- The rapid adoption of cloud computing by the world's largest corporations
- The strategic use of big data across the whole value chain
- The unique insight gained from sophisticated machine learning models
- The company's deep relationship with Google and other partners
"It's been a wild ride with exciting growth for 5 years in a row. We're grateful to Crain's Chicago Business for the honor, to our growing team of consultants who make us proud every day, and to Google for its commitment to our critical partnership," said Brian Farrar, Partner & Co-Founder of Maven Wave. "We are thrilled to be included alongside the remarkable and innovative companies on this list who are building the new economy here in Chicago."
To read Crain's spotlight profile on Maven Wave, please click here.
Click here to view the press release in its entirety.


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Filmmaker Recreates Iconic TWIN PEAKS Scenes in Claymation
Artist and filmmaker Joeseph Brett has created a unique project to celebrate Twin Peaks Day 2020. Selecting some …Read more
Artist and filmmaker Joeseph Brett has created a unique project to celebrate Twin Peaks Day 2020. Selecting some …Read more
Alison, a down-on-her-luck young professional, spends her evenings trying to make ends meet as a …Read more
A brand new trailer has been revealed for horror anthology Tales of the Creeping Death. The …Read more
Horror fans have a new mascot! Meet Togepi, a rescue kitten with a passion for …Read more
The countdown to Halloween has begun, and to get us ready for the season – …Read more
Fans of Hex Studios will recognise the Owlman as the feathered villain of their movies Lord …Read more
Australian filmmaker James Di Martino, has revealed the trailer and artwork for his feature horror Ozploitation film …Read more
Once you open the box, you can't escape it.
Writer / Director Lawrence Fowler (Curse of …
Entertainment One UK is pleased to release the first trailer for SCARY STORIES TO TELL IN …Read more
New York Production Company (The Cinemaharvest Co.) has announced the completion of the First of Three 35mm Short …Read more
My Friend Kyle, A short scary paranormal chilling horror narrative film about a babysitter and …Read more
You might remember our recent article drawing attention to the fan-made mashup of Nightmare on Elm …Read more
E.T is one of the most beloved family films from the 1980s, and sparked the desire …Read more
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Synthwave band Gunship have released a brand new music video for their single 'Dark All Day, which …Read more
Earlier in the month, we told you about an upcoming Shot-For-Shot remake of Halloween from Michael T. Originals. The …Read more
After announcing a couple of weeks ago that Glasgow Horror Fest was returning for 2018, we have …Read more
Watch our new video where we explore five horror films featuring disabled characters, voiced by RJ …Read more
Czech-born Ondrej Zunka is recognised for his 'it-looks-real-but-it-can't-be' 3D animations. Self-taught, Zunka began experimenting with …Read more
If you couldn't make it to Glasgow Horror Festival: BITE SIZE at the start of the month …Read more
A rare threat has been unearthed for the holidays by MIKAL Films / Darkly Films. Finally horror …Read more
RJ Bayley lists 10 10 Underrated Horror Movies to Watch this Halloween!
Find more voice work …Read more
You might not have heard of sculptor Landon Meier, but you've probably seen his work. Those …Read more
Check out RJ Bayley's review of independent UK horror film Dogged.
Dogged is based on the award winning short …
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With Warner Bros currently facing legal action concerning whether or not The Conjuring features historically accurate, or…personal ghost, …Read more
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Phone: 704-736-1958
Degrees and Certifications:
Bachelor of Science in Education Bowling Green State University
Mrs. Ann Samuelson
I am Mrs. Samuelson. This is my seventh year teaching in Lincoln County and I taught in Union County before that. I have taught 4th, 3rd, 2nd and 1st grades. I have been married to my wonderful husband, Brian for 33 years and have three grown children. My oldest son is a Union County high school teacher and was married in June 2018. My oldest daughter is an ICU nurse in Pineville and was married in April 2018. My youngest daughter works in Ballantyne and is getting married in December 2019. Needless to say we have been very blessed that our family has grown so much and all have stayed close to home. So far the only other additions have been 3 grand dogs. Since we are empty nesters, Lucy, our five year old rescue dog is a big part of our home. I am originally from Columbus, Ohio and graduated from Bowling Green State University. I have lived in Ohio, Illinois, Michigan, and am thrilled to have been in North Carolina for the past 22 years. I treat all the children in my class like my own children. I love teaching and am proud to be a Lincoln County second grade teacher at St. James Elementary.
Some of my favorite things are: drinking lattes on the screen porch, going to church, collecting anchors, eating dark chocolate, going to Chick Fil A and Carrabba's, cooking, gardening, boat rides, walking and swimming with Brian and Lucy, cheering for the Panthers, listening to country music, and hanging out with our grown children.


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Troy Baughman the inspector and owner of Millstone Home Inspection. I'm a full-time Certified Profesional Inspector, DEP Radon Tester, and Pest Inspector. See all the services offered, reviews and more information at Millstonehomeinspections.com
DuBois, Treasure Lake, Clearfield, State College, Brookville, Punxsutawney, Philipsburg, Clarion, Saint Marys, Ridgway and all other surrounding northwestern Pennsylvania


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Heather Campbell, Attorney
"Being the most prepared person in the room doesn't always guarantee a victory, but it guarantees I'll never be embarrassed."
Heather Ryan Campbell is an attorney with the Law Group of Northwest Arkansas LLP. After receiving her J.D. from the University of Arkansas School of Law in 2006, Heather joined the Sebastian County Prosecutor's Office in Fort Smith as a Deputy Prosecuting Attorney. Shortly thereafter, she returned to Fayetteville and continued her work as a Deputy Prosecutor in the Washington County Prosecutor's Office where she worked until joining the Law Group in 2015.
With over nine years of criminal and juvenile law practice, Heather brings a wealth of real-world knowledge, experience, and wisdom to guiding clients through the most difficult situations. Additionally, Heather has expanded the Law Group's practice areas to include banking and bankruptcy, domestic relations, and probate and estate planning.
As a dedicated Arkansas alumna, Heather donates more than 100 hours each year coaching the University of Arkansas School of Law Student Trial Advocacy Team. Heather successfully competed on the same team when she was in law school, and it was her work on that team that gave her the tools and confidence to be the successful trial attorney and client advocate she is today. Heather is licensed to practice in the state courts in Arkansas and Oklahoma and the Arkansas Federal bankruptcy court.


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It turns out that watching paint mix is a heck of a lot more interesting than watching paint dry. French director Thomas Blanchard shot this lovely short of colored paints, oil, milk, and honey as they mix and bead under a macro lens. He says the video is intended as…Read More
Tag: oil
Memories of Paintings: A Soothing Technicolor Mix of Paint, Oil, Milk and Liquid Soap
Here's a new experimental short titled Memories of Paintings from director Thomas Blanchard (previously) who continues to experiment with colorful paint, oil, milk, and liquid soap filmed with a macro lens as it mixes and cascades in front of the camera. I could watch footage like this forever. Set to…Read More


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Q. What's the product name you used in your video?
A. They are all listed in the info box below the video. If you are asking about something I didn't mention on the side bar I will be more than happy to answer the question, but sometimes it saves a lot of people's time if you just look at the side bar of the video on Youtube.
Q. Is that your natural eye color?
A. (Possibly) No. I have to wear lenses since I am literally blind without some sort of correction. I don't have regular lenses, so I will most likely be wearing color lens in all my videos, so none of them contain my original eye color. You can see my natural eye colors when I am wearing glasses (occasionally) in some of my videos. If you want to know the colors and where I got them please search the blog with keywords such as "lenses" or "circle". I have accumulated a lot over the past 8 months.
read post (color lenses video link and swatches)
read post (Color/circle lenses from mesmerizedeyes.blogspot.com)
read post (colored/circle lenses from pinkyparadise.com)
Q. What camera do you use to film your videos?
A. I used to use isight + imovie, now I use Panasonic Lumix DMC-FZ35 + Final Cut Pro 7, or Canon ViXIA HV40 + Final Cut Pro 7 (or sometimes iMovie 09).
* Revlon Colorstay in 220 Natural Beige (a bit too dark for me though)
* Chanel Vitalumiere in 10 Nude
* Chanel Blanc Essentiel in 20 Beige Rose
* Chanel Vitaleumiere compact in 20 Clair
* Chanel Teint Protection Lumiere in 30 Beige Cendre
* Bobbi Brown Oil-Free foundation in 2 Sand
* Estee Lauder Double Wear foundation in 1W1 Bone
* Make Up For Ever Duo Mat Powder Foundation 201
* Lancome Dual Finish in Matte Pearl 1
* MAC Studio fix in NC20
* Make Up For Ever HD Foundation in 117
* Hera HD Foundation in #21
* mark. face xpert in Ivory
Q. It's a random question, but are you Korean?
A. I really don't think it's a random question LOL it's a very specific question! but Yes, my ethnicity is Korean
Q. What does cl2425 mean?
A. It's an UNI (University Network ID) my school gave me when I first enrolled. cl is the initials of my first/last name, and then the 4 digits... I don't know how it functions, but that's the number that the school arbitrarily gave me =/
Q. Where do you live? Why is it so noisy in your videos?
A. I am currently residing in New York City.
I live on a very very busy street where tourists clash, cars honk 24/7, protest marches are frequently held, movies are filmed and all sorts of crazy things happen on a daily basis.
It's not as glamorous as it sounds since the downside of that is the insane amount of noise, and I happen to share that noise with you guys in my videos :p
Q. How many years have you lived in the states?
A. -7 years of my whole life. I was born in Albuquerque, NM and was raised in the states until my parents decided to move back to Korea. I came back to the states when I was 17, and after that I went back and forth due to my books and publication stuff (which will be like 2 yearish), but basically I spent most of my life here in the states.
Q. What's your favorite foundation?
A. I love my bobbi brown one, please watch or read my foundations review for more opinions :p
Q. How old are you?
Q. What's your favorite drug-store brand?
A. I really can't say. I have specific products I like... but... oh well, I'd probably go with Revlon
Q. Do you think your Japanese eye makeup video will work for my eyes?
A. I made the video for people who don't have that "Japanese facial/eye structures". All I could say is "Try it." You'll never know until you actually try it.
Q. How do you take care of your skin?
A. I have a whole video about it, but basically I try to avoid direct sunlight as much as I can (everyday sunscreen is a MUST!), get enough sleep, wash my face twice daily (in the morning and at night- I especially try to get everything put on my face off before I hit the sack), be careful of the stuff I eat and stick with my vegetarian lifestyle.
click here to watch video - here's an updated one
Q. Do you have a twitter?
A. Yes, it is twitter.com/cl2425
Q. Do you get paid to use products? How much free products do you get from companies?
A. I'm not that popular LOL. No, I have never been offered a monetary compensation to alter my opinions on products I have received from a company.
Some people might think that companies shower gurus with free products, but I actually have only gotten a very small amount of free stuff to try out from companies (less than 10). Most of the time the company will ask if you will like something to try out and as a return if you could write or record a review of it. The direction of the review is totally based upon how the recipient felt about the product. It could be a negative or a positive review. That is all. the rest if up to you guys.
-- will be frequently updated (hopefully..)
last updated: November 12, 2010


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- Crocs Comfort Level Guide
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Patients and doctors often refer to all forms of toe abnormalities as a Hammer Toe. There are in fact four main forms of toe abnormalities, hammer toes, claw toes, mallet toes and trigger toes. A hammertoe can be best described as an abnormal contraction or "buckling" of a toe. This occurs due to a partial or complete dislocation of one of the joints that form the toe. As the toe continues to be deformed, it will press up against the shoe and may cause corns.
Most hammertoes are caused by wearing ill-fitting, tight or high-heeled shoes over a long period of time. Shoes that don?t fit well can crowd the toes, putting pressure on the middle toes and causing them to curl downward. Other causes include genes. Some people are born with hammertoe, bunions. These knobby bumps sometimes develop at the side of the big toe. This can make the big toe bend toward the other toes. The big toe can then overlap and crowd the smaller toes. Arthritis in a toe joint can lead to hammertoe.
The symptoms of hammertoe include a curling toe, pain or discomfort in the toes and ball of the foot or the front of the leg, especially when toes are stretched downward. Thickening of the skin above or below the affected toe with the formation of corns or calluses. Difficulty finding shoes that fit well. In its early stages, hammertoe is not obvious. Frequently, hammertoe does not cause any symptoms except for the claw-like toe shape.
The exam may reveal a toe in which the near bone of the toe (proximal phalanx) is angled upward and the middle bone of the toe points in the opposite direction (plantar flexed). Toes may appear crooked or rotated. The involved joint may be painful when moved, or stiff. There may be areas of thickened skin (corns or calluses) on top of or between the toes, a callus may also be observed at the tip of the affected toe beneath the toenail. An attempt to passively correct the deformity will help elucidate the best treatment option as the examiner determines whether the toe is still flexible or not. It is advisable to assess palpable pulses, since their presence is associated with a good prognosis for healing after surgery. X-rays will demonstrate the contractures of the involved joints, as well as possible arthritic changes and bone enlargements (exostoses, spurs). X-rays of the involved foot are usually performed in a weight-bearing position.
Non Surgical Treatment
Putting padding between your toes and strapping them in place can help to stop pain caused by the toes rubbing. Custom-made insoles for your shoes will help to take the pressure off any painful areas. Special shoes that are wider and deeper than normal can stop your toes rubbing. However if your pain persists your consultant may recommend an surgery.
Surgical Treatment
Sometimes, if the deformity is severe enough or surgical modification is needed, the toe bones may be fused so that the toe does not bend. Buried wires are used to allow for the fusion to heal, and they remain in place after healing. Your skin is closed with fine sutures, which are typically removed seven to ten days after surgery. A dressing is used to help keep your toes in their new position. Dressings should not get wet or be removed. After surgery, your doctor may prescribe pain relievers, typically for the initial four to seven days. Most people heal completely within one month of surgery, with few complications, if any. Crutches or a cane may be needed to help you keep weight off your affected foot, depending on the procedure. Occasionally, patients receive a special post-op shoe or a walking boot that is to be worn during the healing process. Most people are able to shower normally after surgery, but must protect the dressing from getting wet. Many patients are allowed to resume driving within one week after the procedure, but care needs to be taken.
Some different things you can do to help prevent hammer toes from forming and progressing do exist. You can wear supportive shoes to help prevent deformities. Hammer toes are often times related to poor foot mechanics, particularly foot flattening. You can wear custom orthotics prescribed by a podiatrist; orthotics might prevent or slow the progression of hammer toes. You can also avoid shoes with narrow or pointed toe boxes that can compress your toes.
最終更新日 2015.07.11 07:42:23
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- Alexa Meade makes people look like paintings.
- Her work has been featured all over the world.
- She has even painted Ariana Grande.
Alexa Meade is an artist who specializes in making humans look like two-dimensional paintings.
Her work is based around tricking people's perceptions using paints to create "shadows."
Watch the video to see how she does it.
Produced by Amanda Villa-Lobos


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Polished Amethyst Point
Polished Amethyst Point
This is a full tumbled polished amethyst point. Amethyst is a dark- violet/ purple.
Amethyst is a useful crystal for meditation that helps with emotional, spiritual and physical energies to provide balance and inner peace.
The photos have a Quarter to give an idea of size. All photos were taken outside.Each purchase is packed with lots of Love, Peace, and Happiness...
$20.00 Regular Price
$16.00Sale Price


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Natural features
View Document (PDF)
Natural features of Kiltane parish, from Irish Tourist Association Survey, 1943
Bangor Erris is the chief centre of Kiltane parish, an area of wild mountain and moorland. There are numerous beaches and bathing places in the area. Other features described are the Owenmore River, Carowmore Lake and the views from Tristia or Mount Jubilee.
The headings for the survey are listed below. Clicking on the heading will open the relevant section in the survey.
Amenities and general information


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News ghost video clips are quite compelling. Perhaps that's because reporters, journalists, and newscasters tend to have high credibility due to a reputation for integrity and ethics. But that reputation probably doesn't take into account the National Inquirer or New York Times
But I digress.
More and more frequently these days, local news channels are picking up paranormal stories and including them in their broadcasts. Many times, paranormal teams are interviewed before or after a major investigation. The stories can highlight different places in the area, perhaps pulling in visitors to the town from the surrounding region. Paranormal content is good for the town and good for the ratings. And with our current economy, any publicity is good for business.
The burning question, I'm sure most of you want to know is, are news ghost video clips real? One would think so, since they are being shown during the same broadcast as legitimate news. It's the same place where we learn about the world and obtain much of our political information.
However, this positioning can be quite misleading because news stations are usually not presenting the clips for factual means. The segments are filler or as I said earlier, a ratings puller or in the case of Halloween, interesting seasonal content.
News reporters are not paranormal investigators. They don't know what a K2 meter is, what a EVP is, or how to catch entities on infrared. But they do know how to ask questions and report and who doesn't love a paranormal story?
So I'm not guaranteeing these news ghost video clips are real, but I can tell you that they are intriguing – in an exceedingly creepy way. The way we like it here at Nightmare Point.
In this first video is a clip of a news program out of Louisiana that displays the photo of a night creature taken by a hunter. Whether or not it is real is questioned by many, including those quoted on the news program. But the image is rather disturbing and I thought you'd be interested in giving it a watch.
Take a look and see what you think. While you're doing that, I'll be looking for more videos.
Home >> Ghost Videos >> New Ghost Videos


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Financial Managers Against Climate Change
At first glance, you may think financial risk has nothing to do with climate change. However, it has been proved that climate change could have a serious impact in the world's economy. The negative impact of climate change on the economy is likely large, but it is also difficult to predict. Therefore, it increases fiscal risks.
Because of this, financial managers across the globe are trying to stop that from happening. Do you want to know how they will try to fix the global economy? Are you intrigue about how this "project" came up? Do not hesitate and continue reading if you want to know all about it!
How did financial managers come up with this idea?
It all started with an activist stakeholders group in 2017. They decided to launch a campaign to make the company Royal Dutch Shell cut carbon emissions. However, the company did not agree with their terms. Despite this, the next months Shell decided to set targets to halve its carbon footprint by 2050.
Their goal was to reduce pollution from cars that burn petrol and diesel. In December 2018, the company compromised to set firm short-term emissions targets from 2020. And if they do not achieve these targets, there will be consequences in the salary of the workers.
Oil and gas companies had always been reluctant to take responsibility for their contribution to climate change. However, this is changing. There is no doubt of who is responsible for this change of attitude of Shell: the financial investors. Mark vann Baal, the founder of the activist group of stakeholders, agrees. He says the evolution in Shell's position was undoubtedly due to dialogue with investors.
What can financial managers do?
Many influential financial managers, pension groups and sovereign wealth funds are working towards their objectives. They are trying to pressure the biggest corporate polluters to fight against climate change. One of their main goals is to create leading campaigns to cut carbon emissions.
And what is more, to spread the risks of climate change and to demand responsibilities from managers. Some big oil companies are more powerful than most governments. That is why it is important to make them aware of this issue.
The awareness of these companies raised after being pressured by clientes, policymakers, and the general public. This is why, for example, the The 2015 Paris accord was created. Almost 200 countries agreed to combat climate change and to accelerate and intensify the actions and investments needed for a sustainable low carbon future. Another motivating factor for action by big companies is a realisation of the financial risk involved in these investments.
What can happen if we do not take measures?
The rise of global temperatures can have dangerous consequences. The uncontrolled activities from big oil and gas companies can increase this issue. However, there is also concern that the pressure to mitigate this might make many of this companies uneconomic. And not only that, it would also diminish the value of these assets and investors shareholders. Because of this, many people started to think about how can finances benefit or not from climate risk.
Steve Waygood, the chief responsible investment officer at Aviva Investors has something to say about it. Waywood explains that "While there are short-term gains to be made, the longer-term environmental disaster spells an economic disaster." The concern about climate change is stronger than ever.
Big energy companies are also demanded to cut emissions from fossil fuel extractions and to switch to producing low-carbon fuels. That way, they will increase their presence in renewables. The road towards the mitigation of climate change effects is hard. However, financial managers have made an incredible progress.
Financial Risk Management in Alcalá
Did you find interesting how financial managers can help to reduce the negative effects of climate change? That is obviously one of the many things they can help with. Nevertheless, the main goal of a financial managers is to have a deep and comprehensive understanding of regulations and methodologies to manage financial risk. How can you accomplish that? In the University of Alcalá, with our Master in Financial Risk Management.
This master is open to candidates who want a profound understanding of risks and wish to develop their careers in risk management. It is also aimed both at recent graduates, young professionals as well as managers, who are looking to specialize in risk management. Do not hesitate and join our master now! We will be glad to have you with us!
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Multi-instrumentist Daniele Liverani (ex EMPTY TREMOR, mostly known as mastermind behind the projects
GENIUS ROCK OPERA, KHYMERA, TWINSPIRITS and COSMICS) is working on the production of a new guitar instrumental
concept album that will be titled "Worlds Apart".
"Worlds Apart" is going to be his 5th instrumental guitar oriented album, follower of "Fantasia" (SG records 2014),
and will be released/distributed through Landr exclusively for the digital market (Spotify, iTunes, Apple Music,
Google Play,Amazon music, Deezer, Tidal and many more).
The release is set somewhere in the middle of 2019.
Drums will be recorded (as in the previous
(Ex DE LA MUERTE, drummer for RUSSEL ALLEN's Metal For Autism Tour 2017, TURBOLENCE, PAREIDOLIA),
the rest of the instruments will be recorded by Liverani himself.
Tracklist and artwork are already available:
1-The race is on
2-Keep your distance
3-Perfect Evening
5-Open Sesame
6-Meatball Struggle
9-Everything Ends
Daniele Liverani on Spotify:
Album Eleven Mysteries (2012)
Album Fantasia (2014)
More info at:


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Northfield Rd. & Parkway
Nanaimo Economic Development Corporation's Tourism Division has opened a temporary Visitor Centre on Friday May 18, 2012 at 2450 Northfield Road.
Tourism Nanaimo under the NEDC umbrella, will operate the Visitor Centre in partnership with Tourism British Columbia. A second Visitor Centre currently operating out of the Port of Nanaimo Centre downtown will continue to operate through Labour Day. Hours of operation for both locations are 7 days per week from 9am – 5pm beginning on May 18, 2012.
"The Northfield Road location is highly visible and will welcome visitors travelling up and down the Island;" says AJ Hustins, NEDC Board Chair.


text: intervenant-DN Posted September 25, 2017 Greetings Daeva, it's pretty self-explanatory from the title, i am looking for a CoE group on IS Asmo side. If it's even possible, a static one that is trying to kill the last boss or able to kill the last boss. I'll learn anything (hopefully) and yes, i've done with legion mates, but there's a problem with time difference where everyone is awake and im asleep, and when im online it's pretty much the dead hours of the server. thank you! 0 Share this post Link to post Share on other sites


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Check out the pictures from my Photoshoot with Erik Kommar.
"It was time for me to get some new photos to go with the new RONS logo. I reached out to @[502809933:2048:Erik Michael Kommer] who was highly recommended by @[100002483897484:2048:Trannika Rex]. I love the results. Which one is your favorite?
T-shirts by @[464030126981679:274:RaveNectar] , Eyewear by @[34094848085:274:SEE] @[114154598660315:274:SEE selective eyewear elements] , Headphones by Eshays.com"
From Photoshoot by Erik Kommar – January 2016. Posted by Ron Slomowicz on 1/31/2016 (25 items)
Generated by Facebook Photo Fetcher 2
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Red7 , June 8, 2015
As a bride, there are two best friends who play a big part in your wedding day. You walk down the aisle to the best friend you're going to marry and you pass your flowers to the best friend who follows you down.
At Red7, we know all about how hard chief bridesmaids work to make sure everything is perfect for their bride. This is why we've put together a list of everything to thank them for once the big day is over.
For being excited.
Your wedding is your world right up until the big day and she made it her world too. Long after others got tired of discussing table plans, she was by your side. After all, she's so close to you, therefore she knows who will work well together and who needs keeping apart!
For being patient.
When you had Bridezilla-style meltdowns at 3am, she was on the other end of the phone calming you down. She reassured you that the table-centres are not a life or death situation and even if they're not perfect, nobody else will know any different.
For being helpful.
When your budget was running low (as the hidden costs of weddings really do add up) she was there to trawl through YouTube tutorials on how to make professional looking wedding stationary on the cheap. Then she sat with you for several hours while you both made your own place-cards.
For planning your hen party.
She successfully rounded up your hens and made sure everyone had paid up on time. Your best friend also made sure that you had an incredible final night of freedom without needing to worry.
For not being a diva.
She wore a dress that you picked and even though it might not have been quite her style, she had a smile on her face all day – she would have worn a bin bag if you'd told her to!
For starting the dancing.
When the DJ summoned your family and friends to join you on the dance floor after your first dance, she was the first up, dragging the best man with her.
For being your best woman.
She spent your wedding day helping you get to the loo, carrying your make up and arranging your dress. She made sure everything ran smoothly and when things didn't go quite to plan she made sure you were distracted and always had a glass of champagne in hand.


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Natural features
View Document (PDF)
Natural features of Kilconduff parish, from Irish Tourist Association Survey, 1944
The landscape in the parish of Kilconduff is described as having nothing of outstanding interest from the point of view of scenery. Nontheless, the surveyor provides a reasonably lengthy description of the features and views throughout the three districts of the parish: Swinford, Meelick and Midfield.
The headings for the survey are listed below. Clicking on the heading will open the relevant section in the survey.
Amenities and general information


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Bring a wide variety of clothes to the shoot.
No logos or text on clothing
No small patterns or pinstripes (distracting and often results in annoying moire)
Not too short of a hemline on dresses/skirts
Ladies: wear supportive undergarments like Spanx, it can do wonders in photos!
Guys: empty your pockets!
No white sneakers or white socks!
Be sure to look your very best by doing some of the following ahead of time:
Manicure, pedicure (yes, sometimes we go barefoot!), eyebrows tweezed, facial,
lip balm, & a quality MUA (Make-up Artist) & most importantly keep hydrated!
Don't get haircuts the day before, they always need a week or two to look their best
Double check clothing to make sure it isn't wrinkled,we don't iron at the studio!
If you have acne or other skin problems, consider trying Kombucha, a fermented tea that
is known for it's probiotic healing and a wonderful alternative to soda! For more information on where to get
Kombucha and the benefits from drinking it, contact me through our contact page! You'll want to start drinking this
so your skin will look radiant and blemish free for your photo shoot!


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Space, also known as Outer Space, Pocket God Galaxy, and the Solar System, is main hub area of Pocket God: Journey To Uranus. From here, the player can choose where they want to visit in the game.
While you are in space, an eerie piece of music is played. It is called Pygmies In Space.
How to Get There
To get to outer space you must drag a Pygmy to the top of the screen. Turning the device upside down, causing them to fall into the sky, also works. Instead of launching Ooga Jump (Mini-Game) or dying, however, the Pygmies will find themselves floating in a land of stars and planets.
The current release includes Uranus, Sun, Earth, Mercury and is full of stars, but it is presumed that more will be added to it. Pygmies can be flung around space and into the orbit of planets to access the mini-game on that planet. Outer Space is being described as the "hub environment" as well as the game map. As well as Pygmies helplessly floating around in space, each planet also has its own environment which the Pygmy can interact with. At the edge of space there is a large impenetrable yellow circular wall.
It is unclear how many planets there will be in the future, only that they will be added in updates and that each one will be named after a Roman god.
- Main article: Sun (Space)
The biggest thing in space is the Sun. It is fiery orange and yellow, and is not habitable by Pygmies. They will burn up if they get too close to it.
- Main article: Earth
From Outer Space, Earth looks like it does in real life, albeit more 3D and cartoonish. It is also unclear what continent it portrays, but it looks maybe like an upsidown Asia, or possibly Pangea. The most notable features are the Palm Tree, the Volcano, and the Sand Island Statue. White Clouds and the Sun float in the sky over the island. The atmosphere of Earth as Pygmies go to it from Space is dark blue streaked with light blue.
- Main article: Uranus
From Space, Uranus appears as a Saturn-like planet with a pinkish purple glow surrounding the planet and the yellow ring. The planet itself is colored different shades of blue and purple. On the planet, the notable features are the Uranian Flower, Uranian Statue, and the Green Dragon. Uranian Gas is also on this planet. The atmosphere of Uranus as Pygmies go to it from Space is the same as it is on Earth.
- Main article: Mercury
Mercury is the smallest planet in Space. From Space, it has two landmasses that look somewhat like a computer chip, the ocean surrounding them is silver and has light blue clouds. The features are the Mercurian Statue, a silver sea, and a tube leading to the mini-game Hover Jump. The atmosphere of Mercury as Pygmies go to it from Space is yellow and orange.
- It is the only other world where Pygmies exist besides the Pocket God World.
- It is not mentioned if a different tribe of Pygmies than Tribe Ookga Chaka exists in Outer Space.
- The Pygmies don't die in Space, even though there is no oxygen.
- Earth revolves a bit faster than the rest of the planets.


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Gravitational waves, travelling disturbances of space-time predicted by the theory of general relativity, were discovered 2 years ago by LIGO (Laser Interferometer Gravitational Wave Observatory). On the 17 August 2017 an international team of astronomers, including dr. Michał Michałowski from the AOI AMU, for the first time detected radiation from colliding neutron stars – the sources of gravitational waves. Neutron stars are extremely dense objects with sizes of around ten kilometres and a few times more massive than the Sun. The discovery of this radiation provided the confirmation that gravitational waves can also be emitted by neutron stars. Moreover, the observation of gamma-rays provided the proof that so-called short gamma-ray bursts result from the collisions of such stars. This discovery opens new ways of using gravitational waves to study very massive stars.
First research papers are available on the webpages:
The research of dr. Michał Michałowski is supported by the National Science Centre, Poland through the POLONEZ grant 2015/19/P/ST9/04010; this project has received funding from the European Union's Horizon 2020 research and innovation programme under the Marie Skłodowska-Curie grant agreement No. 665778.


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Sardinia: Culinary Delights E-Bike Tour Bike Tour Reviews 1 to 2 of 2
- 5 star: 1 review
Sardinia: Culinary Delights E-Bike Tour
by Holly B. 2 years ago Permalink/Reply Verified Reviewer
The uphills were challenging even with an ebike, and the downhills were intense. Not "easy" but definitely exhilarating!!
Sardinia: Culinary Delights E-Bike Tour
by Jehiel from Tripsite 2 years ago Permalink/Reply Staff
Hi Holly!
Thanks for sharing this feedback! It's important to note that since this is an ebike tour, it's difficult to rate because the rider can adjust how much the assistance they receive. We feel that most people would find this tour Easy-Moderate with a balanced use of the electric assist. Also, this tour is fully-supported, with a SAG wagon, in case some of the climbs are a bit too much.
Glad you had a great time and found this tour "exhilarating"! :)


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We can fake our smiles, but not our feelings.
Mental pain is less dramatic than physical pain, but it is more common and also harder to bear.
Our Mental Health is our responsibility, if we don't maintain it at this point in our lives it will be a heavy luggage of waste on our brain. Mental health includes our emotional, psychological, and social well-being. It affects how we think, feel, and act. It also helps determine how we handle stress, relate to others, and make choices. Mental health is important at every stage of life, especially in College. Being in college in the first instance, things are going to be great the first two weeks, but all of a sudden we lose track of things, it usually starts in our social life and then we start overthinking and eventually lead to the sad story of stress and depression. This is the case when we allow our mental health to deteriorate, which is sometimes caused by external factors such as overwhelming assignment, the burden of meeting an assignment deadline, the verge of doing exams and overall caused by the mismanagement of your mental.
Don't tell me to snap out of it
Everyone feels worried or anxious or down from time to time when we have a poor mental health. Like that of physical health, if our body does not have a substantial amount of substance in our diet it will deteriorate. But relatively few people develop a mental illness. What's the difference? A mental illness is a mental health condition that gets in the way of thinking, relating to others, and day-to-day function. Two or three weeks later college, as this in common in the college environment, pressure starts to escape in the atmosphere, workload became too heavy to carry and your social starts to deflate. This should not be the case at colleges should not only base on academics as many would like to believe. At some point, you might feel you are stuck between a rock and a hard place, you're stressed and don't know what to do about. But this feeling not only affects our academic performance but has a negative impact on our physical health as well. Many of us can attest to some of these examples such as:
· Eating or sleeping too much or too little
· Pulling away from people and usual activities
· Having low or no energy
· Feeling numb or like nothing matters
· Having unexplained aches and pains
· Feeling helpless or hopeless
· Smoking, drinking or using drugs more than usual
· Feeling unusually confused, forgetful, on edge, angry, upset, worried, or scared
Many of us can attest to these at some point in time in our college experience.
SHARING IS CARING: Speak to Someone
Speak to Someone
Many persons will eventually overcome the overwhelming wave of mental disparity by speaking to someone it can be a close friend family or relative or even your teacher/ lecturer. The benefit of Positive mental health allows one to: Realize their full potential, Cope with the stresses of life, Work productively and Make meaningful contributions to their communities. Ways to maintain positive mental health include:
· Getting professional help if you need it
· Connecting with others
· Staying positive
· Getting physically active
· Helping others
· Getting enough sleep
· Developing coping skills
Remember our mental health is just as important because it affects our Social, Spiritual and emotional health as all of them are interdependent. Therefore it should be ones primary responsible at all times.
By: Tevin Pinnock | All Rights Reserved
Law Student at the University of the West Indies


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W.T. Massey - How Jerusalem Was Won. Allenby's Campaign in Palestine
and carried out with precision, endurance, and gallantry by the troops of the 53rd, 60th, and 74th Divisions, over country of extreme difficulty in wet weather, showed skill in leading and gallantry and determination of a very high order.
9. Throughout the operations the Royal Flying Corps have rendered valuable assistance to all arms and have obtained complete mastery of the air. The information obtained from contact and reconnaissance patrols has at all times enabled Commanders to keep in close touch with the situation. In the pursuit they have inflicted severe loss on the enemy, and their artillery co-operation has contributed in no small measure to our victory.
10. The organisation in rear of the fighting forces enabled these forces to be supplied throughout. All supply and ammunition services and engineer services were called upon for great exertions. The response everywhere showed great devotion and high military spirit.
11. The thorough organisation of the lines of communication, and the energy and skill with which all the services adapted themselves to the varying conditions of the operations, ensured the constant mobility of the fighting troops.
12. The Commander-in-Chief appreciates the admirable conduct of all the transport services, and particularly the endurance and loyal service of the Camel Transport Corps.
13. The skill and energy by which the Signal Service was maintained under all conditions reflects the greatest credit on all concerned.
14. The Medical Service was able to adapt itself to all the difficulties of the situation, with the result the evacuation of wounded and sick was carried out with the least possible hardship or discomfort.
15. The Veterinary Service worked well throughout; the wastage in animals was consequently small considering the distances traversed.
16. The Ordnance Service never failed to meet all demands.
17. The work of the Egyptian Labour Corps has been of the greatest value in contributing to the rapid advance of the troops and in overcoming the difficulties of the communications.
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When hiking out, I was certain a few of Mom's fun was at my expense. My trunks were plastered to my body and my Mother inspired fat was on display. I remaining the poolside region as quickly as possible getting refuge in my room. Later that day, having dry down, I was sleeping on my sleep, only carrying briefs, texting my pals and hearing audio with my headset on. Finding a thumb from the part of my attention, I turned to see my mother position in the doorway. I do not discover how long she have been ranking there. Her look was lower than my eyes. Was she examining me out? Wondering if that was actually probable seeme d to breathe life into my wang since it started to grow some more. Mother
wanted to apologise on her behalf behaviour earlier in the day and her pursuing my friends away. I apologised to her for disrespecting her by allowing my buddies to behave that way. My mother walked aside of my bed and said she needed a hug. I lay up at the side of the sleep and before I really could operate, Mother closed the exact distance between us, dragging me limited against her because hug. My arms went around her as well. Mother was still carrying her bikini from early in the day that day. And, because of the top big difference between people, my head was against Mom's 36C's. She had her arms about me pulling me as firmly as you are able to against them. My hands were about her middle, hugging her as tightly. I don't know where I obtained the nerve to do it but I turned my head so that my lips were against among her breasts. She jumped a little in reaction to the shock, I Cam Girl Sex Live guess, and suddenly her bum was in my hands. Naturally enough, I packed her bottom cheeks.
She was awaiting me in the kitchen. She was not smiling. Hec, you can't allow these women do this, she said. But, Mother, these were only dancing. They certainly were not only dancing, Hector. These were also sporting you boys. I don't need that occurring within my house. But, Mom. My mom abandoned me. Number, but mothers, she claimed in a tone indicating she was close to being angry. I won't own it, son! Conceding beat, I replied, Yes, Mom. I think you must send your pals house now. Mother made and walked away, causing me without any probable result except to look at her wriggling ass. As stated, I am a tits and bum man. My mother had equally and my ecent thought of Mom as a sexy girl intended I admired her in a bikini. Just like she was about to keep the space, she turned instantly, catching me dmiring her ass. Deliver
That's one hot momma! he explained going her out. That girl defines MILF, claimed another. Sacred fuck, people, that's my mother! Everybody else looked over one another in various quantities of distress before scuttling away. Strolling like she were on a model's runway, Mum came Online Free Sex Cam as much as me. My eyes opened by the people, I had to recognize with their characterization of her as a MILF. From that evening onward, I sought out options to check out my MILF. It didn't matter if she were in bathing fits or dresses and clothes, I looked over her as a female and maybe not a mother in the absolute most surreptitious fashion I could. Whenever she was out and I was home alone, I'd also discover my nose in her underwear drawer. Literally. The fragrance she wore honored her clean laundry. Her normal fragrance, or musk, adhered to her applied lingerie in the outfits hamper. My last summer house before university appeared to get me in a perpetual state of blue balls. It was the latest summer in recorded history of our place meaning enough time was used in the pool. A coincidence, no doubt, but with my close friends and their friends visiting just about every day, the girls appear to find themselves in a consistent Online Free Porn opposition to see who had the skimpiest swimwear, the sexiest body for the reason that bikini, and the most extravagant behaviour in their bikinis. Mummy came out to see what the commotion was exactly about on certainly one of our earliest times, to catch the girls performing hot dances and flashing us from their point on the diving board. All the guys chosen the girls blinking one eyes, baring their pussies for a minute, but I was always a tits and bum man. Broken! Also carrying a swimsuit, Mom stood at the much conclusion of the share seeing the goings on. The party noticed her very nearly immediately and named aloud hellos. Obviously, the degree of raunchiness on the diving table dropped off. I wasn't certain if she'd seen the flashings from her angle. Probably we were not busted. After grinning and waving at the group, Mother turned about and delivered to the home, signaling me to follow her. I suppose she had observed our shenanigans following all.


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Home : About Us : Press Releases
NSDL appoints G. V. Nageswara Rao as MD & CEO
National Securities Depository Ltd (NSDL) has appointed Mr. G. V. Nageswara Rao as MD & CEO with effect from July 1, 2013. Mr. Raos appointment has been approved by the Board and the Shareholders of NSDL as well as by the Securities and Exchange Board of India (SEBI).
NSDL is Indias largest depository and has played a key role in transforming the Indian capital markets by introducing dematerialisation in holding and settlement of securities. Total value of securities held in the NSDL system are about USD 1.40 trillion (Rupees 80 lakh crore), which accounts for 88% of all securities dematerialised in the country. NSDL has been promoted by IDBI Bank, National Stock Exchange (NSE) and the Specified Undertaking of the Unit Trust of India (SUUTI). Several other public sector, private sector and foreign banks are shareholders of NSDL. NSDL has recently demerged its depository and e-governance businesses.
NSDL is a showcase institution of the Indian Capital Market and I am honoured to be chosen to lead NSDL in its continuing efforts to introduce transformatory changes in the market, said Mr. Rao.
Mr. Rao has over 26 years experience in various segments of financial services and has successfully built and managed several new businesses. Mr. Rao is a graduate from IIM, Ahmedabad, a Chartered Accountant and a Cost Accountant. Mr. Rao is presently the MD & CEO of IDBI Federal Life Insurance Company Ltd. Prior to that, he was the MD & CEO of IDBI Bank, a new generation private sector bank and later became the CEO of the Commercial Banking SBU after the banks merger with its parent institution, Industrial Development Bank of India. Before that, Mr. Rao was MD & CEO of IDBI Capital Market Services Ltd.
Place: Mumbai
Date : June 24, 2013


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April 10th, 2019 by WCBC Radio
Maryland Attorney General Brian E. Frosh applauded members of the General Assembly for passage of legislation that will help prevent the practice of patient dumping at nursing homes, requiring nursing homes to comply with specific discharge policies and procedures. Additionally, Attorney General Frosh successfully lobbied for new guidelines for student loan servicers that protect student borrowers and prevent servicers from engaging in practices that harm borrowers.
Office of Attorney General Priority Legislation Passed During the 2019 Legislative Session:
· Nursing Home Discharge Bill: In the wake of the NMS nursing home scandal, where vulnerable patients were dumped at homeless shelters and unlicensed assisted living facilities, the Office of Attorney General pushed to strengthen the Nursing Home Patient's Bill of Rights. The new law prevents the most pernicious forms of resident dumping by requiring nursing homes to discharge residents to another licensed provider unless, (1) the resident is being discharged because his or her health has improved sufficiently so that the resident no longer needs the services provided by the facility; (2) the resident is ineligible for Medicaid and has refused pay; (3) the resident is Medicaid-eligible but has absolutely refused both to apply for Medicaid long term care benefits and to pay. The bill codifies due process rights for residents that nursing homes are attempting to evict and requires the implementation and sharing of discharge plans with residents or their agents. In addition to existing provisions authorizing a request for injunctive relief, the bill authorizes the Office of Attorney General to ask for penalties not to exceed $100,000 for each violation.
· Student Loan Servicer Prohibitions: Servicers can no longer mislead borrowers in connection with servicing loans and are required to apply payments in accordance with borrower instructions by mandating that servicers comply with consumer protection safeguards and not commit certain prohibited conduct that is not clearly covered under existing law. For instance, student loan servicers are barred from misrepresenting information or omitting material information about a student loan and applying student loan payments in a manner that is detrimental to the borrower. Servicers will now also be required to promptly respond to written complaints and inquiries from a student borrower.
As chair of the Maryland Sexual Assault Evidence Kit Policy and Funding Committee, Attorney General Frosh also successfully worked for passage this session of legislation mandating virtually all rape kits are tested, creating uniformity across all jurisdictions and ensuring that victims are created equally and have more access to justice.


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text: I recently had braces put on as an adult. As I sat there those first couple days with a very sensitive mouth, I couldn't help but think of the work we do in safety and reliability culture change. It all starts with a great idea. You want to change something. You want to improve your smile, you want to improve your culture. You set forth with a plan! Braces for 9 months! Reliability Culture Implementation in 18 months! It's hard at first. You feel tension start to creep in, there's some pain and some activities that were once easy, get a little harder (like eating anything!). In our work, that might be when the Serious Safety Event Rate (SSER) starts to rise, difficult conversations start occurring, or standing up in front of the hospital board sharing your harm events. But, you keep at it. In time, it gets a little easier and the pain may subside. Then, it's time to get that new wire placed (in 6 weeks for me, could be 6 months for you). This may be a turning point in your culture: you start getting tougher on classification, you need to make decisions on resourcing important activities such as safety coaches or expanding your cause analysis program – the pain creeps back in again, but you stick to it – the popular saying goes, "no pain, no gain". And what about those gains? See, I didn't mention before that I had braces once when I was 15. I remember the initial pain and the satisfaction the day the braces came off and how beautiful my smile was! However, the reinforcement of wearing my retainer wasn't performed consistently over time. I wasn't reliable in the very thing that would sustain my change. Eventually, the retainer no longer fit and my teeth started to move back. That's the same thing with our culture work! We have to have strong reinforcement and accountability loops so we don't lose the gains! Otherwise, our previous pain and discomfort was all for naught. After all, you are improving something much more significant than a smile. You are on a mission to save lives. Consider these questions: 1. When you imagine the potential beauty of your "safety culture smile", what do you see? What are the steps you will need to take to get there? 2. When the journey gets painful, what are you going to do to ensure you continue to move forward and not go back to those crooked teeth?


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When it comes to measuring a credit union's financial resilience, capital is key. It works as a bulwark against losses and affords protection for members when a credit union is struggling financially. When looking at safety and soundness, more capital is better.
On our test to measure the adequacy of a credit union's capital, DEPARTMENT OF THE INTERIOR received a score of 12 out of a possible 30 points, failing to reach the national average of 15.65.
DEPARTMENT OF THE INTERIOR appears to be weaker than its peers in this area, with a capitalization ratio of 12.00 percent in our test, below the average for all credit unions.
This test's purpose is to estimate how the credit union's loan loss reserves and overall capitalization could be affected by troubled assets, such as past-due loans.
A credit union with large numbers of these kinds of assets may eventually have to use capital to absorb losses, reducing its equity cushion. Many of those assets are also likely to be in non-accrual status and thus aren't earning interest for the credit union, reducing earnings and elevating the risk of a future failure.
DEPARTMENT OF THE INTERIOR beat out the national average of 38.09 on Bankrate's asset quality test, racking up 40 out of a possible 40 points .
A lower-than-average ratio of problem assets of 0.00 percent in our test was potentially indicative of greater financial strength than other credit unions.
A credit union's profitability affects its safety and soundness. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic trouble. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's earnings test, DEPARTMENT OF THE INTERIOR scored 10 out of a possible 30, less than the national average of 10.11.
One indication that DEPARTMENT OF THE INTERIOR is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.
Bankrate.com's Safe & Sound Ratings provide a star rating system to evaluate the current financial status of financial institutions. The information gathered about banks, credit unions and thrifts is updated as set forth in the Terms of Use of Safe & Sound Ratings and Reports. The Safe & Sound Ratings information is grouped by categories of banks, thrifts and credit unions.
Bankrate.com evaluates the financial condition of institutions and assigns a one- to five-star rating for each with five stars representing the highest rating. Institutions with satisfactory performance will generally receive a rating of three or more stars. The majority of institutions fall into the three- to four-star range. An institution with an "NR" rating may be too new to rate or may have limited the publicly available information in their regulatory filings. The "NR" is not an indication of financial strength or weakness. The Safe & Sound rating is believed to be reliable, but the information is not guaranteed. In addition, events since the information was collected may have altered the institution's financial condition.


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On one of my first days here back in London I walked by a store in Chelsea called 'Designer's Guild' where I fell madly in love with these plates with blue paint splashes. I think they are kind of fun and different. I bought two but I am considering going back for more since I am not sure where else to buy something similar.
In the background I have one of my newest magazine reads 'Unconditional' and I am so pleased with the aesthetics of it. It is so beautifully made and the cover just stood out to me when I was browsing 'Wardour News' in Soho not that long ago.


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HA NOI (VNS) — The nation's top player, Nguyen Tien Minh, has returned to world top 20, according to the Badminton World Federation.
While Minh did not score any remarkable victories in international competitions in the last two months, he still maintained his 42.720 points, which are enough to place him at No 20 in the men's ranking.
Second, third and fourth positions went to Lee Chong Wei of Malaysia, Chen Long of China and Jan Jorgensen of Denmark.
On the women's side, the top player in Viet Nam, Vu Thi Trang, remains at No 50.
The world's best players are Li Xuerui, Wang Shixian and Wang Yihan of China. — VNS


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Rousseau's life work led him to the previously unexplored island in Lake Biel. During this tour you will learn more about his works, quirks, and revolutionary ideas.
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Today, January 28,2020 at 12:00 noon ET, we launched Media Composer (2018.12.10). This is available on the Download Center.
What's fixed in 2018.12.10:
The following has been fixed.
"There is hardly anything in the world that some man cannot make a little worse and sell a little cheaper, and the people who only consider the price are this man's lawful prey." - John Ruskin (1819-1900)
Carl Amoscato | Freelance Film & Video Editor | London, UK
I have probably missed a FAQ (sorry), but just to be sure....
I see there's a patch Win version (from 18.12.3) & I'm on 18.12.7: should I revert to 18.12.3 first, or will the 18.12.10 patch be happy to overwrite 18.12.7 ?
The patch would not work for me over my 18.12.9 (full install). So I uninstalled that used the 2018.12.10 full installer as the quicker option.
There is indeed something undocumented going on with the patch versions. The patches do not install on top of eachother. The patch installer needs to see a 2018.12.3 install to allow itself to run. So previously pathed MC's (and who didn't patch his since .3?) can't be patched without uninstalling the previous patch.
Because of this practically it makes little difference to uninstall the whole 2018.12.x version and use the full installer.
Avid reseller ACSR at Telmaco
"Bug Number: MCCET-3071. Intermittently, Media Composer would hang when you exited the
application. This is fixed with NVIDIA driver v441.28."
Does this mean the v441.28 driver should be used instead of 411.95 which is included in the Program Files \ Utilities folder of the 18.12.10 installer. We are running 18.12.8 on a few of our systems and noticing the intermittent hanging on exit.
Hi Lachie,
Nvidia driver v441.28 should be used MC matrix.
Lachie-VC:411.95 which is included in the Program Files \ Utilities folder of the 18.12.10 installer.
I'm checking this with MC dev team. From what I know the installer is no longer included in the folder or it should be what the matrix is listed.
Hi Ralph
Lachie-VC:the 411.95 nVidia installer is in the utilities \ nVidia folder.
Can confirm that on a new out of the box HP z4 with MC 2018.12.10 being the first installed on this system. On another 3 Z4's where we installed 2019.12 the nVidia folder is not present.
I guess that clarifies the practical result of the 'nVidia drivers no longer included' info.
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