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The role of diffusion weighted magnetic resonance imaging in oncologic settings
Diffusion-weighted-imaging (DWI) provides microscopic information from water protons which is not possible using conventional magnetic resonance imaging (MRI). DWI measures the random (Brownian) extra, intra and transcellular motion of water molecules (1). Apparent-diffusion-coefficient (ADC) is a quantitative parameter calculated from DWI combines the effects of capillary perfusion and water diffusion (2). ADC value is calculated for each pixel of the image and is displayed as a parametric map. By drawing regions of interests on these maps, the ADCs of different tissues can be derived (3).
In biologic tissues, the DWI signal is derived from the motion of water molecules in the extracellular space, intracellular space and intravascular space (2). Tumors have increased vascularity. So, significant proportions of signal on DWI originated from intravascular space (4). The degree of restriction to water diffusion is correlated with tissue cellularity and integrity of cell membranes (5). Generally, malignant tumors have enlarged nuclei and show hypercellularity. These histopathologic characteristics reduce the extracellular matrix and the diffusion space of water protons in the extracellular areas, with a resultant decrease in the ADC value (6,7).
As well as tumor detection and characterization, DWI has been widely used for predicting and monitoring response to therapy. Many researchers have reported that DWI has potential for evaluating tumor response during treatment. Increase of ADC value was accepted as response to therapy in many animal studies (8). Also, results of many clinical studies show that increase in the ADC value suggest a better treatment outcome in clinical studies (9,10).
DWI has been applied to the evaluation of central nervous system (CNS) pathologies especially in stroke, for last two decades. Applications of DWI had been limited to CNS due to effects of respiration, cardiac movement, peristalsis and blood flow may effect on image quality in these parts of the body (11). Some technologic advances as echo-planar imaging, parallel imaging, and multichannel coils led to using of DWI in the extracranial sites such as abdomen and pelvis (3).
There is growing interest in the applications of DWI in oncologic area for last ten years. DWI has important advantages which require no contrast medium and long imaging time. Also it provides qualitative and quantitative information that can be helpful for tumor assessment. In this article, we present oncologic applications of DWI in the parts of the body.
Diffusion-weighted imaging in the CNS
Meningiomas are the most common extraaxial brain tumors. Meningiomas show characteristic findings on conventional MRI; thus, their differentiation from intraaxial tumors is easy. Hakyemez et al. (12) evaluated the contribution of DWI to differentiation of atypical/malignant and typical meningiomas. They demonstrated that atypical/malignant meningiomas had lower ADC values than typical meningiomas (Figure 1).
Conventional MRI cannot reliably distinguish epidermoid tumors from arachnoid cysts; since both lesions are very hyperintense relative to brain parenchyma on T2-weighted images and hypointense on T1-weighted images. With the combination of T2 and diffusion effect, epidermoid tumors are more hyperintense compared with cerebrospinal fluid (CSF) and brain tissue on DWI. Arachnoid cysts are fluid filled, demonstrate very high ADCs, and appear similar to CSF on DWI (13).
Gliomas are the most common primary neoplasms of the CNS. A number of studies showed that intraaxial tumors have higher ADC values than normal brain tissue (14-17) (Figure 2). Various investigators suggested that DWI be used in differentiation between high and low grade gliomas or between tumor types (15-17). In contrast to these results, Server et al. (18) suggested that differentiation between low and high grade gliomas is possible using ADC measurement.
Metastasis is the most common intracranial tumor in adults. The most common metastasize to the brain are lung, breast, skin, genitourinary tract (Figure 3), colon and rectum, and paranasal sinus (19). Kono et al. (20) studied 21 patients with metastasis and have found a mean ADC value of 0.78×10–3 mm2/s (used b 1,000 s/mm2 gradient). ADC values of the metastasis were not statistically significant from glioblastomas. Duygulu et al. (21) evaluated the 76 patients with intracerebral metastasis using DWI. ADC value in metastasis showing restricted diffusion was 0.72×10–3 mm2/s (used b 1,000 s/mm2 gradient).
DWI has also important role in the evaluation of extracranial tumors such as thyroid (22), orbit and head and neck tumors (Figure 4). We studied the diagnostic role of DWI in differentiating of malignant and benign thyroid nodules. Mean ADC values of malignant and benign nodules were 0.96×10–3 mm2/s and 3.06×10–3 mm2/s for b-100, respectively. Mean ADC values of malignant nodules were lower than benign nodules for all b values. We concluded that DWI may be helpful in differentiating malignant and benign thyroid nodules (22) (Figure 5).
Diffusion-weighted imaging in the body
Liver pathologies were studied using DWI in many literatures (23-25). They concluded that ADC measurements can be used in the differential diagnosis of liver pathologies.
Liver hemangioma is the most common benign tumors of the liver. Hemangiomas are characterized by an enlargement of the extracellular space compared to normal tissue. So, hemangiomas have increased ADC values (26) (Figure 6). Moteki et al. (25) reported that mean ADC value of hemangioma (used following b values 3, 50 and 300) was 2.23×10–3 mm2/s. Demir et al. (27) mentioned that mean ADC value of hemangioma (used b 1,000 s/mm2 gradient) was 2.46×10–3 mm2/s. According to our study mean ADC value of 61 hemangiomas was 1.98×10–3 mm2/s for b-600 (28).
Hepatoma (Figure 7), metastasis (Figure 8) and focal nodular hyperplasia (FNH) (Figure 9) have lower ADC values than normal parenchyma. In recent study, Miller et al. (29) evaluated the ADC values for characterization of a variety of focal liver lesions. Mean ADC values (used b-0 and b-500 s/mm2 gradients) of hepatoma, metastasis and FNH were 1.53×10–3 mm2/s, 1.50×10–3 and 1.79×10–3 mm2/s, respectively. They concluded that benign lesions have higher ADC values than malignant lesions. However, ADC value of benign lesion (FNH) is similar to malignant lesion.
Demir et al. (27) evaluated the diagnostic role of DWI in differentiation between benign and malignant liver lesions. Mean ADC values (used b-0 and b-500 s/mm2 gradients) of hepatoma and metastases were 0.90×10–3, and 0.79×10–3 mm2/s, respectively. They concluded that DWI can be useful in the differentiation of benign and malignant liver lesions.
There are many studies related to diagnostic utility of DWI in the renal tumors. Malignant tumors have lower ADC values than benign ones (Figure 10). Restricted diffusion in renal neoplasms is probably multifactorial. It is related to cell membrane integrity and tissue cellularity (30). Taouli et al. (31) characterized renal lesions using DWI. The mean ADC value (used b-0, b-400 and b-800 s/mm2 gradients) of 28 renal cell carcinomas (RCC) (1.41×10–3 mm2/s) was significantly lower than benign lesions (2.23×10–3 mm2/s). Cutoff ADC value for the diagnosis of RCC was less than or equal to 1.92×10–3 mm2/s. They also mentioned that renal oncocytomas had significantly higher ADCs compared with solid RCC. Mean ADC value of oncocytomas reported as 1.91×10–3 mm2/s. They concluded that DWI can be used to characterize renal lesions especially; it can be used to differentiate solid RCC from oncocytomas.
Adrenal masses are commonly detected on computed tomography (CT). Chemical shift MRI is useful in differentiating adenoma from nonadenoma. There is limited study related to usefulness of DWI in malignant tumors. Usually malignant tumors show bright signal on DWIs, and ADC values of malignant tumors are lower than benign tumors (Figure 11). Tsushima et al. (32) evaluated the diagnostic utility of DWI for the diagnosis of adrenal tumors. They found no difference in ADC values between adenomas and metastatic tumors. However, pheochromoacytomas had higher mean ADC value compared with those of adenomas and metastasis.
Diagnosis of pancreatic cancer is delayed in many cases and very few patients have curative surgical treatment. Pancreatic cancer has an unfavourable overall 5-year survival of about 5% (33). Similar to other malignant tumors, it has lower ADC value compared to normal pancreatic tissue (Figure 12). ADC values of pancreatic cancer were in wide range with overlapping normal pancreatic tissue values. This may be due to histopathological components of ancreatic cancer which contain varying degrees of fibrosis, necrosis, mucin and cellular component (34). Recent studies concluded that restricted diffusion in the pancreatic cancer might be related with increased cellularity and fibrosis. In contrast to other tumors, fibrosis might be contributed to diminished ADC values as well as cellularity (34).
Prostate cancer is the most common genitourinary malignancy in men (35). There were many literature related to diagnostic utility of DWI in prostate cancer (35-38). Prostate cancer usually demonstrates low signal intensity on T2-weighted image that is well identified in the peripheral zone from the normal appearance of high signal intensity on T2-weighted image. In prostate cancer, normal tissue of the gland is replaced by adenocarcinoma. The tumor is built up of high-density malignant epithelial cells, which results a decrease in ADC values (36) (Figure 13). Kiliçkesmez et al. (35) measured the mean ADC value (used b-0, b-500 and b-1,000 s/mm2 gradients) of prostate tissue in nine prostate cancer and 50 healthy subjects. Mean ADC value of peripheral and transitional zone of prostate were 2.07×10–3 and 1.46×10–3 mm2/s, respectively. Mean ADC value of prostate carcinoma was 1.06×10–3 mm2/s. Yağci et al. (37) investigated the value of DWI for prostate cancer detection and localization. They found lower ADC value in prostate cancer than noncancerous tissue. Mean ADC values (used b-800 s/mm2 gradient) of cancerous and noncancerous tissues were 0.94×10–3 and 1.58×10–3 mm2/s, respectively.
Carcinoma of the urinary bladder is one of the most common malignant tumors of the urinary tract. In the literature, there are a few reports evaluating the feasibility of DWI in the diagnosis of urinary bladder cancers (Figure 14). Matsuki et al. (39) reported that the ADC value of bladder cancers was lower than ADC value of normal bladder wall. They suggested that the bladder cancers were clearly detected using DWI. However, they did not define a cut-off value. El-Assmy et al. (40) reported high sensitivity and specificity of DWI in detection of bladder tumors depending on their site. In another study, the mean ADC values (used b-0, b-500 and b-1,000 s/mm2 gradients) of the urinary bladder wall of the control group and bladder carcinoma were 2.08×10–3 and 0.94×10–3 mm2/s, respectively. They concluded that ADC measurement has a potential ability to differentiate carcinomas from normal bladder wall (35).
DWI is also widely used in evaluation of pelvic region tumors. Similar to other malignant tumors, the ADC values of uterine cancers are lower than normal tissue (Figure 15). ADC value provides useful information about the effectiveness of the therapy as well as differentiation of between malignant tumor tissue and normal tissue. Naganawa et al. (41) reported that mean ADC value (used b-0, b-300 and b-600 s/mm2 gradients) of cervical cancer was lower than of normal cervical tissue (1.09×10–3 vs. 1.79×10–3 mm2/s). In another study carried by McVeigh et al. (42) with larger group of cervical cancer, mean ADC values (used b-0, b-600 s/mm2 gradients) of cervical cancer and normal tissue were reported 1.09×10–3 vs. 2.09×10–3 mm2/s, respectively. These studies suggested that ADC measurement has a potential ability to differentiate between cancerous and normal tissue. There are many reports about the role of DWI in the diagnosis of cystic ovarian tumors. The cystic components of malignant ovarian cystic tumors had lower ADC values than other benign ovarian cysts, except hemorrhagic cysts and cystic neoplasms (43). However, Nakayama et al. (44) found no significant difference between ADC values of benign and malignant cystic neoplasms. They concluded that it is difficult to identify the ADC threshold value for differentiation among cystic ovarian tumors.
Diffusion-weighted imaging in the bone and lung tumors
There are limited reports about diagnostic utility of DWI related to bone tumors. Many reports focused on vertebral body. Typical values of the ADC in normal bone marrow are in the range of 0.2×10–3-0.5×10–3 mm2/s. Most applications of DWI in the bone marrow are focused on the differentiation of benign osteoporotic and malignant vertebral compression fractures (45,46). According to our study mean ADC values of sacral and iliac bone marrow were 0.53×10–3 and 0.56×10–3 mm2/s at b-1,000 (47). ADC values (used b-500 s/mm2 gradient) of pathologic bone marrow range between 0.7×10–3 to 1.0×10–3 mm2/s in metastases and malignant vertebral fractures (48). Although ADC values may be indicative for benign (Figure 16) or malignant lesions, a considerable overlap between mean ADC values of benign and malignant lesions has been described in several studies (49).
A solitary pulmonary nodule is a common condition in clinical practice. CT and PET (positron emission tomography) are common used modalities as noninvasive imaging methods. Some investigators have tried to discriminate malignancy from benign lung tumors by measuring ADC value. Mori et al. (50) examined the usefulness of DWI for discrimination of benign/malignant pulmonary nodules in comparison with F-fluorodeoxyglucose (PET). The receiver operating characteristics curve showed cutoff values of the ADC for benign/malignant discrimination to be 1.1×10–3 mm2/s. Similarity to other systems, malignant pulmonary nodules has low ADC values (Figure 17).
In conclusion
DWI is a useful technique that provides information about cellularity and cell membrane architecture of tumoral tissue. One of the most prominent contributions of DWI is differentiation between malignant and benign tumoral process. Despite many reports which present cut off values for differentiation between benign and malignant processes, many authors mentioned that overlapping ADC values exist in benign and malignant tumors. However, most of the studies suggested that malignant tumors had lower ADC values than benign ones. DWI is also useful to assess the response of tumors to treatment in various parts of the body. Combination of conventional MRI, DWI and ADC values provides additional information in patients with cancers. The most prominent advantages of this technique are absence of radiation, no necessity for of intravenous contrast material, very quick technique and quantitative information of tissue provided by ADC measurement. DWI may be a routine sequence in oncologic settings and it provides much useful information about tumoral tissue. We think it can be added to conventional MRI sequences.
Disclosure: The authors declare no conflict of interest.
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Instructional Design & Training
Is Your Training Getting Results?
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Interesting Research on Traveling – What You Didn't Know
Traveling in Luxury – its What Dreams are Made of
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Profitable small companies can rapidly go out of business if they run out of cash. Similarly, struggling unprof small businesses can be kept afloat for a long period of time if they have a decent money balance. Simply puts, money is the life blood of American small companies.
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Good week/bad week
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Holy ink, after Pope Francis, 81, told priests they should consider getting tattoos to be more in sync with "the culture of the young."
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Bad week for:
Rick Santorum, former Republican senator turned CNN analyst, who advised that rather than campaigning for "phony gun laws," activist teens would be better off "taking CPR classes" to help save their fellow students after they've been shot.
Humility, after former President Barack Obama told an audience in Japan that the goal of his charitable Obama Foundation is to "create a hundred or a thousand or a million young Barack Obamas or Michelle Obamas."
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248 pages | 8 B/W Illus.
This latest volume in the World Yearbook of Education Series focuses on educational elites and inequality, focusing particularly on the ways in which established and emergent groups located at the top of the social hierarchy and power structure reproduce, establish or redefine their position.
The volume is organized around three main issues:
Making use of a social and an institutional approach as well as a focus on practices and policies, the volume draws on research conducted on secondary schools and on higher education. In addition, the global contributions within the book allow for a comparison and contrast of situations in different countries. This results in a comprehensive picture of common processes and national differences concerning advantage and excellence and a thorough examination of the impact of globalization on the strategies, identities and trajectories of elite groups and individuals alongside more general cultural and economic processes.
Educating Elites: The Changing Dynamics and Meanings of Privilege and Power
Agnès van Zanten
Part 1
Class and Family Educational Strategies
1. Elites: Some Questions for a New Research Agenda
Claire Maxwell
2. A Family Affair: Reproducing Elite Positions and Preserving the Ideals of Meritocratic Competition and Youth Autonomy
Agnès van Zanten
3. Elite Families and Schools in Buenos Aires: The Role of Tradition and School Social Networks in the Production and Reproduction of Privilege
Victoria Gessaghi and Alicia Méndez
Part 2
Elite Institutions in National and Local Contexts
4. Changes in Elite Education in the United States
Shamus Rahman Khan
5. The Changing Strategies of Social Closure in Elite Education in Brazil
Ana Maria F. Almeida
6. Germany's Hesitant Approach to Elite Education. Stratification Processes in German Secondary and Higher Education
Ulrike Deppe, Werner Helsper, Reinhard Kreckel, Heinz-Hermann Krüger and Manfred Stock
7. The Boundaries of Privilege: Elite English schools' Geographies and Depictions of a Local Community
Rachel Brooks and Johanna Waters
Part 3
The Impact of Globalization on Institutional and Student Identities
8. Globalisation and Elite Universities in China
Tien-Hui Chiang, FanHua Meng, Fugui Ye and Luo Yan, Tsinghua University
9. The Discourse of 'Asia Rising' in an Elite Indian School
Fazal Rizvi
10. National and International Students' Definition of Merit in French Grandes Ecoles
Brigitte Darchy-Koechlin, Hugues Draelants and Elise Tenret
11.Globalizing Femininity in Elite Schools for Girls: Some Paradoxical Failures of Success
Jane Kenway, Diana Langmead and Debbie Epstein
Part 4
Elite Institutions, Elite positions and Elite Jobs
12. Elite Universities, Elite Schooling and Reproduction in Britain
Paul Wakeling and Mike Savage
13. Paths to the Elite in France and in the United States
Jules Naudet
14. Contextually-Bound Authoritative Knowledge: A Comparative Studyof British, French and Norwegian Administrative Elites' Merit and Skills
Marte Mangset
15. Higher Education, Corporate Talent and the Stratification of Knowledge Work in the Global Labour Market
Phillip Brown, Hugh Lauder and Johnny Sung
Elites, Education and Identity. An Emerging Research Agenda
Stephen Ball


text: Strawbridge & Associates Limited is a chartered accountancy firm based in Nelson, New Zealand. We are members of the New Zealand Institute of Chartered Accountants (NZICA). We have 19 team members in our central Nelson offices. Our clients are primarily in the Nelson and Tasman region but we have clients across New Zealand and around the world. We are a proactive and dynamic firm and would love the opportunity to discuss your business and accounting needs with you in person. We are happy to visit you at your premises if that is more convenient for you. For more information on how our expertise can benefit you, contact us today!


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Imagine creating incredible marketing content – whether it is a podcast or a blog post. The content is useful, unique, and informative. You also know that your audience, customers or even potential customers are absolutely going to love it.
This great content shouldn't just lay around on your website or blog, hoping that people will find it. As a small business owner you are letting your marketing efforts fall through the cracks. Today's marketing is most effective when you incorporate video marketing.
Why? because Video marketing is essential if you wish to reach your goals of online success.
Sure you could put a sign in your business window or a sandwich board on the sidewalk, but the most effective way to market ANY small business today, is with video!
Read on to learn how you will captivate audiences and get them to help you achieve your goals with the right strategy:
About Video Marketing
The first thing you should know about video content is that you are going to need a powerful video marketing strategy to make it work for you. Of course, you probably already know that you should be using video to market your business, brand, products, and/or services.
But what exactly is video marketing? Essentially, it involves using video content while marketing yourself. This means that you need effective marketing techniques to help you improve the results that your video content bring for you. When you incorporate video in your marketing, you will also get the opportunity to plan how you are going to market every video content you have.
Importance of Video Marketing
There are several reasons why video content is essential to your marketing strategy. Consider the following:
a) Effectiveness and Great ROI
Video marketing is one of the most effective strategies you can adopt – especially because it comes with amazing returns on investment. This is because video is a powerful piece of content and more effective than text and display advertising, TV, and social media.
b) Everyone Uses It
Apart from the above, you should also know that your competitors are using video marketing and audiences love watching videos. In fact, for online success, you cannot afford to overlook video content. This is because it has become an integral part of social and online conversion in the recent past.
Therefore, if you fail to use video in your marketing, you can be sure that you will miss out on reaching many potential customers as well as large segments of your target audiences. This is irrespective of the size of your company or the industry you operate in.
In fact, studies now show that there are more than 100 million people who watch video over the internet on a daily basis. This is a large pool of potential customers – including but not limited to lawyers, plumbers, teachers, the elderly, teens, youth, men, and women. In the same way, close to 75% of all executives around the globe watch videos related to their work on different business websites a minimum of 1 time every week.
In the same way, video is so ubiquitous that you can be sure that most of your competitors are already using it. This means that when you ignore video marketing, you will inevitably start slipping behind the other individuals and companies in your industry.
c) Achieves Marketing Goals
Last but not least, you should know that you need video to help you achieve your business and marketing objectives. It is the single most important piece of content that you can use to effectively and efficiently reach your marketing goals.
This is because internet users spend an average of 88 percent more time on websites with videos. Additionally, they are more likely to remember the message in the video than if it was posted in another format.
Statistics also show that 46% of the online users who watch video are likely to take some action once they are done viewing the message.
This means that you can use video content on your landing pages to increase conversion, attract more sales, see improvements in your click-through rates, and reduce the subscriber opt-outs you might have been experiencing.
Overall, you can be sure that at the end of the day, you cannot ignore video. However, to ensure your online success, you should do more than create high quality, powerful, and impactful video content – you also need an effective video marketing strategy to ensure that your content is seen by the right audiences who have the means, ability, and willingness to take action on it.


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text:
Search by Title
Search by Author
Conference Papers
"Distributed Routing in Hybrid Packet and Circuit Data Networks",
Mario Gerla, D. Mason,
In Digest of Papers, COMPCON 78, pp. 125-131, Washington, D.C., September. 1978
"On the Measured Performance of Packet Satellite Access Schemes",
Leonard Kleinrock, Mario Gerla,
In International Conference on Computer Communication (ICCC), pp. 535-542, Kyoto, Japan, September. 1978
"Report on Experience in Developing a Hybrid Packet and Circuit Switched Network",
N. Keys, Mario Gerla,
In Conference Record, International conference on Communications (ICC), pp. 20.6.1 to 20.6.6, Toronto, Canada, June. 1978
"PACUIT: The Integrated Packet and Circuit Alternative to Packet Switching",
Mario Gerla, D. Mueller,
In Digest of Papers, COMPCON 78, pp. 153-156, San Francisco, USA, March. 1978
"Integration of Packet and Circuit Transport Protocols in the TRAN Data Network",
Mario Gerla, G. Destasio,
In the Computer Network Protocol Symposium, pp. B3-1 to B3-9, Liege, Belgium, February. 1978
Journal Papers
"Modeling and Measurement Techniques in Packet Communication Networks",
Fouad Tobagi, Mario Gerla, Richard Peebles, Eric Manning,
In Proceedings of the IEEE, Special Issue on Packet Communications, Vol. 66, issue 11, pp. 1423-1447, , 1978
"Hybrid Packet and Circuit Switching",
N. Keyes, Mario Gerla,
In Telecommunications, vol. 12, no. 7, pp. 65-71, , 1978


text:
Finally – it's sun's out, guns out season.
But with more and more men striving for that perfectly shredded beach bod, many are resorting to supplements to achieve it. But while mates might not let you forget leg days, real friends remind to find out whether the supplements you're using are actually safe.
So here's what you need to know about your pre-workouts, protein powders and capsules of pixie dust before you use them.
The industry is completely unregulated
Sports and exercise physician, Dr Krishant Naidu has had patients ask him for everything from caffeine to human growth hormone and anabolic steroids as they strive to get bigger.
You may think over-the-counter supplements are far less dangerous than anabolic steroids, but Dr Naidu says the real problem is the total lack of industry regulation. To put it simply, the powder you mix for a pre-workout boost or an after-workout bulk-up isn't necessarily what it says it is.
"Unlike pharmaceuticals, there's no requirement for manufacturers to prove the safety of the supplements they sell," he says. "Or even guarantee what's in them."
The great supplement heist
International manufacturers can have components mixed together in some chemical factory offshore and then send this to another factory for branding as an appealing wild-berry-flavoured workout product. And if you order these online they won't go through any testing in Australia before you consume them.
On the other hand, supplements made in Australia are subject to "batch-testing" which means the risk of contamination is low and they're likely to contain what they claim – making Australian products much safer to use, says Dr Naidu.
So if you are keen on taking some kind of supplement, either pre- or post-workout, at the very least go Australian made.
Even ones that work may cause health problems
Creatine is marketed to improve performance and there's some evidence supporting its effectiveness. Although Dr Naidu stresses the research looking at creatine is limited.
And its use can cause serious kidney damage even in people with healthy kidneys – especially if you're dehydrated.
Supplements containing protein and carbohydrate are commonly marketed to gym-goers to increase their energy and improve recovery.
Dr Naidu says there's good quality evidence that taking carbohydrates and protein together, in the first 30 minutes after a workout, will provide the best conditions for muscle gain.
But, he says, there isn't any compelling evidence that carbohydrates and protein from supplements are any more effective than from a good diet.
Secret stimulants
Still other supplements that claim to help "shredding" often contain stimulants not listed in the ingredients to aid weight loss, says Dr Naidu. And these are usually derivatives of the drug ephedrine that can place the heart under considerable stress – even if they do work to drive weight loss and improve muscle definition.
A dangerous addiction
Former gym devotee, Mina, 35, who doesn't want his surname published, knows first hand the risks of using supplements.
His fitness motivation morphed from being healthy and fit to being driven by image, one where bigger was better.
Mina was using so many stimulant-based supplements that he needed ever-increasing doses for the same effect. He recalls regularly having to pull over on the way to the gym after taking pre-workout "supps" because he had tremors and heart palpitations.
"The older formulations were incredibly dangerous," he says.
Focus on the real issues
Mina's use of supplements and other aids was also a money pit. At his peak, he says he was spending more than $600 a fortnight – not including gym memberships.
He's now completely off it all and says "not a single minute" was worth it.
Dr Naidu's message to anyone considering adding in supplements as a boost to reach their end goal is simple: focus on your health, not your looks.
Do you use workout supplements? Tell us about your experience in the comments section.


text:
More than 130 PSPs and 56,000 merchants can now accept Bitcoin payments, meeting the need for AML compliance
Payment21® and ACI Worldwide today announced a strategic collaboration enabling payment service providers (PSPs) to offer merchants anti-money laundering (AML)-compliant Bitcoin acceptance via ACI's UP eCommerce Payments solution. ACI's network of more than 130 PSPs, serving more than 56,000 merchants, can now accept Bitcoin payments as a result.
Payment21.com is the first regulated Bitcoin payment processor with a strong focus on the compliance needs of enterprise-level businesses and the legal prerequisites of their banking partners. The award-winning Bitcoin cashier system provides AML-compliant cryptocurrency transactions, designed to meet the needs of eCommerce merchants and multinational corporations with specific regulatory requirements. This approach makes Bitcoin a viable solution for publicly-traded companies, licensed gaming enterprises, concessionary wireless network providers, and authorised investment funds.
ACI's UP eCommerce Payments solution provides connectivity to a global network of more than 350 card acquirers and alternative payment methodsvia a single technical integration with a RESTful API. ACI's collaboration with Payment21.com allows PSPs and merchants to quickly and easily add Bitcoin payments to their checkout pages, without additional integrations. The solution includes inbound payments and payouts in Bitcoin offering real-time settlement capabilities on a global scale, which accelerates merchant cash flow.
"Our relationship with ACI Worldwide allows us to achieve scale by enabling AML-compliant bitcoin acceptance for more than 130 PSPs globally," added Bernhard Kaufmann, general manager, Payment21.com. "With Payment21, PSPs and merchants are able to meet Know-Your-Customer (KYC) rules in European and international jurisdictions, as the Bitcoin cashier system caters to global KYC-regulations. This, together with no chargeback risk, makes enabling Bitcoin payments an effective solution for merchants that are seeking to address traditional points of friction—including delays and costs associated with cross-border payments."
"We have teamed up with Payment21.com so that our PSP clients will be able to offer AML-compliant bitcoin payments all without exposing their merchants to price volatility," explained Andy McDonald, vice president, ACI Worldwide. "ACI strives to remove the complexity from payments and streamline cross-border eCommerce. The addition of Payment21.com's cryptocurrency processing services to our network is another milestone in the ongoing expansion of our global network."
The UP eCommerce Payments solution combines the extensive global reach of the ACI PAY.ON Payments Gateway, which provides technical connectivity to more than 350 alternative payment methods and card acquirers, with integrated ACI ReD Shield real-time fraud management.


text:
Fabulous Experience With Jim
Post with Image | 02.21.2019
I just had a fabulous experience with Jim, who helped me get back up and running with a Pacific Energy remote that was on the fritz. I cannot say enough good things about the service I received when the remote control for my gas heater went on the fritz. The follow-through in researching the problem and getting back to me was incredible. And, the staff person walked me through resetting the remote over the phone with patience and humor. Truly exceptional!!! Barbara L., Florence


text:
Data Robotics has officially changed its name to Drobo and moved into F5 Networks' old digs in San Jose.
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text:
Find a Chapter > Join Out of the Darkness Walks >
Availability: In Stock
This product is not currently available.
A great accent to any casual wardrobe, proudly show from head to toe that you're working towards a world without suicide, with the AFSP Unisex Rainbow Bandana! White background, featuring rainbow-colored lifesaver designs patterned across entire fabric, with our AFSP logo printed on two ends. Design printed on one side.
22" x 22". Comes in packs of 10.


text:
Don't put off your important roof repairs. With ER Roofing, you get professional roofers who know how to repair and replace any part of your roof and do it all for a reasonable cost.
Please use the form on this page to email us.
Colorado Springs, CO 80922GET DIRECTIONS
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Sat: Closed
Sun: Closed


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If you are seeking an attorney's assistance on a small project, or a specific portion of a case, it may be more affordable than you may think.
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Choose Gonzalez Law Associates if you're looking for a leading for a you're in need of a drug possession law firm near White Plains NY and the rest of the Westchester County NY area. When it comes to representing you in any DWI or drug defense case no one can beat Gonzalez Law Associates. Having a top criminal defense lawyer in on your side and fighting for you is important regardless of whether this is your first offense or you have been charged with a DUI multiple times. The legal process is something which the majority of people find complex and overwhelming. This is why we work so hard to make certain everyone involved is able to understand what is happening. If you work with Gonzalez Law Associates, you will be fully informed concerning your case, each step of the way. This is the reason you owe it to yourself to call us if you find yourself in need of a respected DUI attorney near White Plains NY and the rest of the Westchester County NY area.
We don't simply handle DUI cases, but when you're in need of a passionate, qualified, and skilled DWI criminal lawyer near White Plains NY and the rest of the Westchester County NY area, we are standing by. No matter what your situation, at Gonzalez Law Associates we believe you have the right to the best possible representation. That's why we provide strategic legal representation for individuals facing drug charges, which includes sale, possession, possession with the intent to sell, trafficking, manufacturing, and solicitation. Heavy sentences come with drug charges in many cases, and they can be fairly common and controversial. There are even mandatory minimum jail sentences for many drug-related offenses. Under the Rockefeller Drug laws, sentences for drug crimes for specific offenses can be even longer. Drug crimes are not just one of the most common criminal charges; they can also be some of the most complex. That is because many drug offenses fall under laws that the majority of people haven't ever heard of. New York State has a variety of complex ins and outs of when it comes to drug law. This includes the fact that when a drug crime is committed within certain distance of a school, a more severe consequence is going to be the result, whereas it would be substantially less severe if it were committed merely several feet outside the specified radius. This is why when you need a DWI attorney in Eastchester NY it pays to have someone experienced on your side.
If you're in need of a DUI attorney near White Plains NY and the rest of the Westchester County NY area we have a reputation that you're capable of counting on. Our significant experience means that you'll be capable of trusting the fact that you will be represented in any drug related case to the best of our ability. Be certain you contact Gonzalez Law Associates as soon as you're contacted by the police, or a loved one is contacted by the police, about a drug-related issue. Both right away and in the longer term, knowing what you should do in the situation is important, in addition to knowing your rights. This is where we can help. Having our team on your side is vital when it comes to receiving the best chance of obtaining the minimum possible sentence possible for the crime with which you've been charged. You don't want to place your future in the hands of just anyone. At Gonzalez Law Associates you will find a team that is dedicated to making sure you receive the representation you need. Don't call anyone else when you need a trusted DUI lawyer near White Plains NY and the rest of the Westchester County NY area.
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RT81 Elite High Fidelity Vinyl Turntable
Premium components allow this high fidelity belt driven turntable to recreate the performance the way the artist intended
The Audio Technica AT95E featuring a diamond elliptical tipped stylus is designed to track your record grooves with greater precision & accuracy for high definition audio
Enjoy perfect playback using the balanced aluminum S-Type tonearm ensuring the stylus is rested deep in your record's groove, producing every audio detail indistinguishable from the original recording
The beautiful piano black finished cabinet is crafted from solid engineered (MDF) wood, incorporates isolation feet, an aluminum platter and a rubber slip mat which results in superior isolation from unwanted vibrations
Incorporating a high quality built-in Texas Instruments preamp, ground terminal and gold plated RCA line outputs that ensures warm, true sound
|Cabinet Specifications
|Cabinet Material
|High Gloss Walnut Real Wood Veneer
|Dust Cover
|Yes - Tinted
|Turntable Specifications
|Drive System
|Belt Drive
|DC Motor
|Motor Isolation
|Three Point Rubber Isolation
|Speed Variation
|+/-1.00% - Speed Adjustment Guide
|Wow and Flutter
|Signal-to-Noise Ratio (Weighted)
|67dB or higher (A-weighted, 20kHz LPF)
|Signal-to-Noise Ratio (Unweighted)
|60dB or higher (unweighted, 20kHz LPF)
|Diameter of Platter
|12", 30cm
|Weight of Platter
|1.22 lbs (553 g)
|Height of Platter
|0.62 inches (16 mm)
|Turntable Mat
|Tonearm Specifications
|Tonearm Type
|Static Balanced, S-Type
|Supported Cartridge Weight
|3.5 to 6.5g
|Yes – 3.53 oz (100 g) - Adjustable
|Anti-skating Adjustment
|Pivot Bearing
|Cueing Lever
|Tonearm Material
|Tonearm Wire
|36 AWG Litz Cable / 7 Strand
|Effective Tonearm Mass
|28.2 grams
|Effective Tonearm Length
|Headshell Mount
|H-4 Bayonet Mount
|Tonearm Height
|Cartridge Specifications
|Cartridge Type
|Dual Moving Magnet (MM)
|Cartridge Model
|Audio Technica: AT95E
|Replacement Stylus
|0.4 × 0.7mil Bonded Elliptical (Diamond)
|Half inch
|Frequency Response
|Channel Separation
|20dB at 1kHz
|Channel Balance
|2.0dB or less at 1kHz
|Load Impedance/Capacitance
|47k Ohms/100pF
|Output Voltage
|2.5mV +/–3dB
|Cartridge Weight
|5.7g (+/- 0.5g)
|Headshell Weight
|Cartridge Height
|0.67 inches (17 mm)
|Recommended Tracking Force
|2.0g +/–0.5g
|Vertical Tracking Angle
|20 degrees
|Rubber Belt Specifications
|Rubber Belt Design
|Continuous loop (joint-less)
|Output Specifications
|RCA (Gold-plated)
|Yes, PHONO/LINE Switchable
|Phono Output
|2.5mV +/–3dB
|Phono Bypass
|Yes, all electronics bypassed when using external preamp
|Line Output
|140mV (–17dBV)
|Ground Terminal
|Power Specification
|100V - 240V AC (50/60Hz)
|12V / 500mA
|General Specifications
|5.5 x 16.5 x 13.75 inches / 14.0 x 41.9 x 34.9 cm (HxWxD)
|FCC Certified, RoHS, CUL/UL
|Unit Weight
|14.1 lb (6.4 kg)
|Operating Temperature
|Wireless Playback
|No (Requires Bluetooth or WiFi transmitter connected via RCA connection to transmit audio wirelessly)
|Fluance Speaker Size Comparison Chart
|What's Included
Slash Gear Reviews the Fluance RT81 HiFi Turntable
"Playback from the RT81 was quite good, with even the deeper bass of hip-hop and some electronic music coming through smooth and clear. "Read the Full Review
CNET Reviews the Fluance RT81 HiFi Turntable
"it feels like a $400-$500 turntable. I guess you can tell by now I'm impressed."Read the Full Review
Tech Crunch Reviews the Fluance RT81 HiFi Turntable
"The walnut finish gives the RT81 one of the best looks of any entry-level turntable I've seen. It's sturdier and heavier than some of the cheaper turntables out there from brands like Crosley and Denon. "Read the Full Review
Digital Trends Review of the RT81
"Music played on the record player was deep and smooth with excellent clarity. In general, there was low distortion, sparkling treble, and strong bass across the records we listened to, from Broadway to Drake."Read the Full Review
Customer Reviews
Great product. Have the rt80 as well. Brings back to life my old records. Looking at your shelf speakers soon.MicMichael G. 5
Sleek designEricka 5
Very happy owner, getting into playing vinyl. I've got some older albums (the 2 speeds don't allow play of some of those) But either old albums or new reissues- this player has been singing. Good customer support, price point and performance will have me keeping tabs on some future upgrades as well.Steven 4
The RT81 Is very well made and attractive turntable. I was upgrading from a used Sony that I picked up about 8 years ago. There is no comparison to sound a build quality, the T81 blows the Sony away. I also noticed that Fluance offers a two year warranty vs the other brands that only offer a one year warranty. The built in pre-amp and auto stop where a couple of features that where a bonus on this particular model. i like the fact I can upgrade the stylus and cartridge when I get ready to move up and not buy another turntable.Bill D 5
I grew up with a nice quality turntable in my house that I loved listening to. I did a lot of homework to find a high quality turntable without spending a fortune. My research kept leading back to Fluance. I ordered the RT81 with a pair of SX6 speakers. I love it. It's a nice heavy turntable that doesn't absorb external vibrations. The black looks modern with a simple nostalgic look to it and it sounds awsome. I never heard of Fluance until recently but they make great stuff for what you pay.Mark L 5
I tried a Fluance turntable after reading dozens of reviews with mostly favorable opinions, but immediately the issues started.Ralph T 1
My biggest complaint is mine doesn't work properly. It turns itself off after playing only 3/4 of the LP, no matter what LP I use.
I called tech support to report the problem, gave them the serial number and received a case number and was told they would reach back out to me and that it was under warranty.
I waited, waited and waited but no call. So I called them and was told they had a large list to work through (is that a sign) and was asked what my case number was. After being placed on hold I was asked if I could email a video of the issue, which I did. After a couple of days I email back asking if the video was received- but no reply. I emailed several more times just asking if my information was received and still no reply. So "I the customer" called them again and I reached the same support person. He again apologized for the no response and he looked up my email and confirmed it was received. He stated I would be moved to priority status and that I will be contacted- well that still hasn't happened.
So today I called THEM again and the same tech person answered. He again confirmed that after watching the video I supplied they had no reason to give for the product malfunction and that a return authorization would be issued, but now I would have to provide full original purchase details, a copy of the original receipt and order number. OK I don't mind following company return policies but to me, in my humble opinion as a customer, I have already done all the work and I did not see that requirement as part of there customer support- not saying it isn't there, I just couldn't find it.
Lesson learned, maybe. I am still trying to decide if i should just move on and purchase another trusted brand or not.
I research relentlessly before committing to a purchase like this. While I was pretty confident that I was making the right decision, I was absolutely thrilled with the quality of this very affordable instrument. It's very well constructed with a classic inspiration that doesn't offend contemporary sensibility. The quality of the internal preamp is excellent, and the ability to bypass if you desire an upgrade is wonderful. There's a lot of room for expansion, which only optimizes an already tremendous value. RPM after burn-in was spot on and the cartridge was perfectly aligned out of the box. The silly plastic 45 adapter with no home is a little odd, but in no way detracts from this excellent product.Tyler M 5
The Fluance RT81 is an awesome product with a great sound. I would 100% recommend purchasing this item.canon, c 5
Amazing for the price. It looks beautiful. Solid plinth provides excellent bass and mids, solid stylus. I have zero complaints with this record player. It is perfect for someone looking to go above an introductory player but has budget considerations. It was an excellent investment and I would gladly do business with Fluance again.Marek, K 5
Our RT81 arrived in a damaged box from shipping and showed cracks in the turntable body as well as cover when we opened it. While we recognize this is no fault of Fluance, we filed a claim immediately and took pictures of the damage for a replacement. After two weeks of calls, emails, and a lack of responses from their customer service we are leaving a review in order to get their attention. All we need is a return shipping label from them and despite multiple emails and voice messages we have not heard back. I'm sure the product will sound great when we can use it but unfortunately the customer service has proved lacking.Curt T 1
Sounds great and easy to use. I had some issues with wow/flutter but I rebalanced the tonearm and that seems to have fixed it.Devin M 4
33 and 45 play at same speed. Customer service is terrible.Greg M. 1
As a relative newbie to vinyl/turntables/sound equipment, but a lifelong music lover and musician, I wanted to replace an old AT-LP50 with something with a little more quality. I could tell immediately from how the RT81 was shipped that it would be well worth the price tag. Out of the box, the fit and finish is beautiful and the plinth is solid and looks great. As a rookie, i was a bit concerned with setting up a new TT. It took less than 10 mins and was super easy. Upon first listen, the first thing i noticed was the volume difference. The player attains insane levels of volume while remaining crisp and un-muddled. I then began to pay attention to the highs, mids, lows of the records i put on. I was extremely impressed with the detail heard in every instrument and how well the stylus tracked the record compared to my cheapie I was used to. All in all, for what I was trying to accomplish, this when well beyond my expectations and the quality at the price point. I am a Fluance man for life.Daryl 5
I am pleased to the point of tears! Listening to my old LPs (heavy on the 60s and 70s) I am amazed at what a quality turntable and matching speakers can do. The artists I heard on my low dollar phono and computer speakers are still recognizable. But what else I hear! Its's as if I was only listening to half the rerecording. Bravo Fluance!Pat S. 5
This thing sounds as good as it looks. It is extremely easy to set up and use. I'm really new to vinyl but have had an extremely positive experience so far!See all reviews Henry D 5
Fluance turntables do not include built in speakers.
To use a Fluance turntable, connect it to a home theater receiver or amplifier for use with passive speakers, or connect it to a set of powered speakers such as the Ai40 Powered Bookshelf Speakers.
If your receiver or speakers do not have a specific PHONO input or integrated preamp, RT80 and RT81 both include an internal preamp for quick and easy setup.
An amplifier is only needed if you're connecting the turntable to passive speakers such as the Signature Series Bookshelf Surround Speakers.
If you're looking for an option without a separate amplifier, the Ai40 Powered Bookshelf speakers fit the bill.
With the Ai40, all you need to do is connect the included RCA cables to the speakers, turn on the internal pre-amp and you're ready to listen to the music the way it was meant to be heard.
If you're using an amplifier without a phono input, or some powered speakers such as our Ai40 model, you will need to use the preamp by sliding the switch to the "LINE" position.
The tonearm of the RT80 and RT81 model turntables is compatible with cartridges from 3.5 grams to 6.5 grams in weight.
For full instructions on this process, see our video below:


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The Mornington Peninsula has become a cultural playground for Melburnians and out-of-towners alike. Scenic foreshores and surf beaches hug the region, while the inland is home to vineyards and olive groves, berry-picking farms and cheese factories. So it's no wonder this glorious destination will host the most extensive food, wine and music gathering in the region.
Set in the green grounds of the Mornington Racecourse, the inaugural Peninsula Picnic will showcase a gourmet selection of perfect picnic options curated by resident chefs including Max Paganoni (Max's at Red Hill Estate), Barry Davis (Montalto) and recent head chef Daniel Whelan (The Long Table). Modern-European dishes will be created by Rowan and Janine Herrald (Terre) as well as delicious offerings from Matt Wilkinson (Pope Joan) and Ian Curley (The European) and his good friend Craig Gorton (head chef at the National Golf Course).
The musical menu also offers a buffet of Australian folk, blues and rock artists. Throw the rug down and relax to tunes by The Waifs, Paul Dempsey, the Pierce Brothers, Tinpan Orange and Hayden Calnin.
The Peninsula Picnic will take place on Sunday March 29 at Mornington Racecourse. Tickets available here.


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Are You Exposing Your Bank to Unnecessary Risk?
Three Borrower Traits Asset Based Lenders Need to Recognize in their Loan Portfolio
Author: Ashley Trexler, Supervising Field Examiner
If a borrower possesses significant fixed assets, owns its real estate, or operates several lines of business, you may be exposing your bank to unnecessary risk. To avoid that situation, be sure you review your loan portfolio for clients with certain traits.
Risky business
Commercial property ownership can be quite risky, especially for retailers. Why? Because the store's owner can be held liable for crimes or accidents that occur on the site if a victim proves there's inadequate security.
Liability insurance can help mitigate losses. But many policies may be based on outdated business appraisals, and damages might exceed the borrower's coverage.
For an added layer of protection, borrowers may want to create a separate legal entity for their real estate ventures. That way they can lease the property to the operating business at a fair market value. The same will hold true for businesses with significant fixed assets.
Doing so will protect the operating business entity from property liability claims. The real estate venture can still be pledged as collateral for loans to the operating entity.
Legal entities
Suppose a dry cleaning establishment diversifies and explores the health food market. If the experiment doesn't work, it will drag down the dry cleaning business (or vice versa). If the borrower sets up a separate legal entity for each business segment, however, the borrower will not only limit its "spillover liability," but it will also allow for more flexibility in the ownership structure. Keeping things separate from the get-go — with separate bank accounts and balance sheets — can be quite helpful if the owners subsequently decide to sell or seek additional financing.
Estate planning
If a family business wants to transfer wealth to subsequent generations, the company will likely benefit from establishing separate legal entities. For example, suppose an operating business carves out its real estate into an LLC or a trust. Those who are active in the operating business are "gifted" interests in the company. Passive heirs are then given pieces of the real estate venture.
This setup serves several goals beyond limiting liability. First, the parents can use the annual gift tax exclusion ($14,000 in 2013) and the lifetime unified credit ($5.25 million in 2013) to gradually lower their taxable estate. Gifts are typically discounted for marketability and lack of control.
Second, those who are active in the business will get a stake in something they can directly impact — the value of the operating business. Passive investors will have access to a steady income stream. Plus, the family will be able to minimize its overall tax liability if the children are in a lower tax bracket.
If you have any questions about lending risks or any other asset based lending issue, give us a call at 716.847.2651, or you may contact us here.
Is Your Bank Accountable to Your Insolvent Customer's Creditors?
Insight and Guidance on the Legal Theory of "Deepening Insolvency"
Author: Emmon Khan, Senior Field Examiner
Suppose a borrower is experiencing financial trouble. His company is trying a turnaround and has asked you to continue to advance him funds under its working capital line. What should you do? As you apply professional criteria in regard to the customer's request, keep this in mind: Your financial institution might be held accountable by your customer's creditors under the legal theory of "deepening insolvency" if the customer chooses bankruptcy protection.
Defining deepening insolvency
Balance sheet insolvency occurs when a company's assets no longer exceed its liabilities, thus preventing the business from repaying its debt. One court defined it as the "fraudulent prolongation of a corporation's life beyond insolvency, resulting in damage to the corporation caused by increased debt." Misrepresentations, mismanagement, and fraud can cause and even hasten insolvency.
Deepening insolvency has come forth in some jurisdictions as a creative remedy for creditors who assert a company delayed filing for bankruptcy and, instead, unnecessarily prolonged its corporate life by obtaining loans while already insolvent. By taking on additional equity financing or debt, a business compounds its insolvency and greatly impairs its ability to repay creditors.
Ever since deepening insolvency emerged in the 1980s, it's been alleged against officers and directors who breach their fiduciary obligations. It's also been alleged against professional advisors as well as secured creditors who help conceal the extent of financial turmoil, exert undue control over distressed customers and support unrealistic workouts.
The legal history
The first case that suggested secured lenders may contribute to customers' insolvency was In re Exide Technologies, Inc. In this Bankruptcy Court case, a banking syndicate lent substantial funds to Exide Technologies in spite of the fact that the company had reported significant losses and an insolvent balance sheet. Exide used these funds to help support its faltering operations and acquire a competitor.
As the company's financial condition continued to crumble after the acquisition, the syndicate received credit enhancements — including additional collateral and guarantees — in exchange for continuing financial support. Moreover, the lenders leading the syndicate acted as advisors and received investment banking fees from the acquisition. Over time, bankruptcy became inevitable, and the creditors' committee filed suits against the lenders alleging, among other charges, deepening insolvency.
When the court refused the lenders' request to dismiss the claim, it opened the door for deepening insolvency claims against secured creditors who make risky loans to insolvent borrowers to the detriment of other creditors.
Deepening insolvency claims have had mixed results in courtrooms. For example, courts in several cases, such as Trenwick America Litigation Trust v. Ernst & Young and In re Global Service Group, have narrowed or rejected the scope of claims based on the theory of deepening insolvency. Until the legal community can clearly define and consistently apply the concept of deepening insolvency, this issue will remain a wild card in bankruptcy litigation.
Minimizing exposure
A properly managed turnaround can increase creditor recoveries and even help avert formal bankruptcy proceedings, thereby allowing borrowers to regain profitability. Fiduciaries of an insolvent business might conclude that the business should continue to operate to maximize its long-term wealth-creating capacity — that is, its "enterprise value." There's no absolute duty to shut down and liquidate an insolvent corporation. So, as long as the loan is made without violating the business judgment rule, a court should not impose liability.
However, it's important to carefully review a client's workout plan for errors, omissions and unrealistic assumptions. In many cases, bankruptcy may provide a better alternative — then you can lend funds to a debtor-in-possession under the court's supervision.
Other actions
A lender might find itself on either side of an insolvency claim. In addition to being charged with contributing to a borrower's financial distress, a bank may initiate similar charges against directors, owners, or insolvency professionals to recoup any outstanding loans upon the borrower's insolvency.
That's why it's critical to bring in independent financial advisors to help substantiate or refute deepening insolvency claims, including unraveling complex transactions, investigating fraud allegations, tracing assets or funds, and calculating economic damages. They also can objectively determine whether a company's turnaround plans are reasonable or, alternatively, whether bankruptcy is imminent.
Pulling the plug
It can be quite difficult to deny financing to a loyal customer who is in financial distress. But if your client's financial health adds up to deepening insolvency, you may need to pull the plug.
If you have any questions about insolvency or any other asset based lending issue, give us a call at 716.847.2651, or you may contact us here.
Are Your Borrowers Sticking With Your Asset Based Lending Institution?
4 Tips for Protecting Your Lending Portfolio
Author: Phil Pence, Field Exam ManagerAs you know, finding new borrowers for your asset based lending institution can be a very time-consuming and expensive venture. As a rule of thumb, the costs of wooing new customers can be six to seven times more than the costs of retaining existing ones, according to marketing firm Flowtown.
With today's competitive lending market, your bank risks losing borrowers to more assertive lenders who promise higher credit lines, lower interest rates, and faster closing dates. And as you know, high customer turnover can make you look bad to senior bank executives. So, how can you protect your portfolio? Here are some tips.
TIP 1: Approach potential borrowers first
You simply can't wait for customers to come to you about refinancing options or more borrowing opportunities. After all, interest rates are at all-time lows, and there's ample credit supply for customers who sport strong credit scores. If you don't act quickly, proactive borrowers might seek greener pastures.
You can't let a competitor beat you to the punch. So make sure you review your customers' financial statements. Go for those with strong credit, high growth and high interest rates. These will be your best prospects for refinancing or add-ons. A borrower might not even look into what your competitors are offering — so long as you contact them first, make a fair offer and maintain a long-term relationship.
TIP 2: Make sure you're responsive and approachable
Touch base with your customers on a regular basis. Consider visiting their businesses and take them out to lunch or for coffee. Many prospects will be happy to give you a tour of their facilities. Do it. And above all, make sure you return their calls and process paperwork promptly. The top frustrations that borrowers experience when refinancing or applying for a credit line increase is the amount of time it takes for lenders to simply process the paperwork.
In fact, one borrower actually switched banks because his application with its existing lender was delayed for months over a missing 2011 tax return. A quick phone call might have remedied the omission and possibly retained the customer. But instead, the application just sat in a junior lender's inbox — and a rival bank got the borrower's business.
Don't be afraid to seek feedback from your customers. Make it a point to talk to every decision maker in the business. You might find that the CFO is your best contact rather than the owner. Finally, learn what they like and dislike about your bank via written or phone surveys.
TIP 3: Offer to become a referral source
As the old saying goes, it's not what you know but whom you know that counts in business. The best way for a professional services provider to gain customer loyalty is to become a referral source for value-added services. Work to become the go-to person in your business community. Encourage borrowers to come to you for accounting, legal or even advertising referrals. And make sure you forward borrowers any relevant e-mails or trade journal articles.
Networking can turn lenders from pesky outsiders to members of the customer's "team." This will help keep you in the loop when they face key changes. Plus, it will help you become irreplaceable. You might very well find that happy, loyal borrowers will be more likely to return the favor and refer some business back to you.
TIP 4: Make 'em happy
The best way to make borrowers happy is to avoid treating new and old applicants in the same manner. After all, a long-standing business relationship and a handshake should be something special in today's business world.
Bottom line? If a client has a strong credit score and proven track record of timely debt service, make sure you streamline the refinance and application processes as much as possible.
If you have any questions about retaining borrowers or any other asset based lending issue, give us a call at 716.847.2651, or you may contact us here.


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Bird Nesting On Somerville City Hall
|April 4th, 2011
|bird, photo [html]
Bird Nesting On Somerville City Hall
|April 4th, 2011
|bird, photo [html]
Well before the coronavirus struck, I noticed how trains in Asia were cleaner than in Europe, which are for the most part cleaner than in the United States. There are overlaps: the elevated BTS in Bangkok is similar to the cleaner cities in Europe, like L…via Pedestrian Observations April 8, 2020
Lots of people have really bad video calls for avoidable reasons. Here's how to fix that.via benkuhn.net April 8, 2020
Disclaimer: I'm going to say this once. Obviously, I am not happy about the coronavirus's threat to public health or the economic toll it's taking. I do not think the existence of this pandemic is good. Just so happens that social distancing and remote wo…via Holly Elmore March 31, 2020
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Life is a journey and we are all on it at different stages and in different ways. Wherever you are at in life, if you need support with your little ones, with youth or young adults or older family members or friends, give us a call.
Our services keep you living safely in your own home, along with the memories you have made there. Whatever you need to stay in control, independent and confident in your own home, our team is here to help.
Residential Aged Care - Finding the right residential aged care service for your loved one can be a time consuming and stressful process. With MercyCare, you can lose the worry and gain peace of mind that your loved one is getting the care and support options that deliver the best quality of life.
Retirement Living Perth - Our warm and welcoming retirement village offers a range of lifestyle activities along with a strong sense of community.
Disability Services - We are a proud NDIS provider. Every day we work with West Australian families to help them access the best support services available for their specific situation and needs. At MercyCare, you're a name not a number and our approach focuses on your needs and goals.
MercyCare Early Learning - What matters to you, matters to us. We understand every child is unique, that's why our experienced team take the time to find out what's important to you and your child to help bring out the qualities and strengths that make them individual.
We know that becoming a foster parent can be a challenging decision to make. There are many options and factors for you to consider, but our team is here to support you and your family on this journey.
The Broome Aboriginal Short Stay Accommodation facility is now open.
The purpose built, Broome Aboriginal Short Stay Accommodation (BASSA) facility is now operational.
Before opening in early December, staff at the Broome Community came together to hold a smoking ceremony at the MercyCare managed service which caters for Aboriginal people visiting Broome for short periods of time.
Leaves from native plants were burnt to cleanse the space, ward off bad spirits, and pay respects to ancestors of the country and to the land.
The ceremony was performed by representatives from Nyamba Buru Yawuru Limited, who are our collaborative partners in Broome, along with Nirrumbuk Aboriginal Cooperation and Centacare Kimberley.
The facility itself is provided by the Department of Communities and has 44 units available with single, double and family beds as well as laundry facilities, a barbecue area and children's playground.


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Brainz is the Freshest Graduate In town as he just bagged a Bachelors degree in Educational Management from Benue State University, Makurdi a few days ago. As part of the celebration he dishes out a fresh record, "This Year" featuring Beautonia which is his first single for the year, it was produced by Dj Lanky, Mixed and Mastered by Brainz DanYaro.
DOWNLOAD: 'Brainz ft. Beautonia - This Year' (4.1 MiB, 320 hits)


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Congratulations, and welcome to New College!
We're so pleased that you have decided to make New College your home during university. You're setting out on an exciting and fulfilling journey at the University of Toronto, and some of the most memorable times of your life will be spent here at New. You'll have many opportunities to explore novel ways of thinking and to expand your insight into the world around you.
New College offers a wide range of programs and activities to encourage and support your success. This section highlights a number of important events, services and resources that will help smooth the transition into university life.
For students entering New in 2020, consider attending our optional Welcome Event on Saturday, June 6, 2020. You will have an opportunity to ask questions and visit New's great facilities. Be sure to review our online information for Newly Admitted Students for the checklist of things you need to do before classes start in September.


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(888) 418-4017
Arise IBO
About Us
Our Team
Arise Technical Requirements
Switching Arise IBOs
Contact Us
Andvaris Resources
We have provided you with a few PDF's to help in the process of working from home.
Creating an ASD
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Do you need an ASD for your client? This PDF will show you what you need and how to make it.
Free Download
Arise System & Equipment Policies
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Arise Policies on what systems you can and can not use, including specs.
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How To Check Your PC
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Do you have a Windows 10 and don't know how to run a PC check? This PDF will help you do just that.
Free Download
Referral Program
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Are you looking to refer a few friends? This PDF is for you. It has all the information you'll need to explain and pass on.
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How To Create Your Arise Profile
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Let's say you don't have your Arise Profile and you are a bit lost? Now you are not. Because we have a guide for you!
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Technical Equipment
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If you need help understanding the equipment you will need to work with Andvaris and Arise, download this guide.
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How To Become Client Qualified
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Already have a profile and are in the IBO? You might want to read this guide on how to select a client.
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Andvaris Information
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Download our PDF for information about Andvaris
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If you're a sporty, active person, there's nothing worse than sitting on the sidelines. Suffering an injury can put you out of the game for weeks. It's frustrating when all you want to do is get involved again! However, if you're hoping to get back to full fitness, you need patience.
If you launch back into your exercise routine too early, you risk doing further damage to your body. It's tough, but you've just got to stick it out. Don't worry, there are plenty of things you can do to speed up the process. You'll be back playing sports in no time. A combination of good food, treatments, and light stretching can help speed up your recovery. Let's take a closer look.
Follow your doctor's orders
We know you want to get back on the horse as fast as possible. However, returning from injury too soon can lead to further problems. The body needs time to heal, and it's best to give it this rest period. Your doctor will suggest a length of time to heal, and you should follow that advice. They may also offer specific treatments which it would be wise to follow.
In most cases, physiotherapy can help you get back on your feet quicker. It's all about aiding the recovery process and speeding up the healing. Physiotherapy will involve light exercises and lots of stretching. It will introduce movement back into your muscles, and introduce them to small exertions of pressure. Of course, physiotherapy does cost money, and it's not affordable for everyone. However, if the injury wasn't your fault, you may be able to claim compensation to cover physio payments. Visit BolingRiceAtlanta.com to see if this might apply to you.
Eat a healthy diet
The food you consume during your rest period will have a huge effect. There are certain foods that actively help you rebuild muscle and restore function. Proteins and calcium are especially good for rebuilding your strength. A healthy course of fruit and vegetables will help your cells regenerate too. A healthy diet will also keep your energy levels up and keep your mood stable. It can be frustrating and even depressing if you're a very active person. Sticking to a good diet will help keep your spirits up.
Hot and cold treatments
If you're suffering from a muscle injury, hot and cold treatment can prove very effective. This means first subjecting your muscles to warmth with a heated towel. It relaxes them and allows them to loosen. Follow it with an ice pack to then stretch the muscle. Ice also helps reduce the blood flow and reduce inflammation The combination of hot and cold helps restore the muscle quickly.
Ease back into it
At the end of the day, you simply need to ease back into your activity. Don't expect to go back in at full fitness. Practice light movements and exert a minimum of pressure to begin with. You can slowly build back your fitness and strength over time. Don't push yourself or you might bring the injury back.
That's all for now, folks. Until next time!


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Detached Villa / Resale / Spain / Alicante / La Marina
We have on the market this unique extended Rosa model detached villa in a popular area of La Marina, close to all amenities and yet in a quiet road. This south east facing property affords 5 bedrooms and 1 family bathroom plus a separate toilet. On entering the property you have a lovely lounge which leads onto an exceptionally large Kitchen/diner/lounge perfect for family gatherings or entertaining. The property also boasts a solarium with far reaching views and the garden has been tiled and kept very pretty, perfect for alfresco dining and is walled for added privacy. The house also has a garage and comes fully furnished, a viewing is a must to appreciate the size and condition of this property.
- M2 Floor: 192
- M2 Plot: 214
- Bedrooms: 5
- Bathrooms: 2
- Energy rating: In process
- Construction year: 1988
- Fully Tiled Plot
- Security Grills
- Air Conditioning
- Solarium
- Private Garden
- Gated Entrance
- South East Facing
- Separate Kitchen
Monthly prices
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Welcome to smart properties
Trusted Estate Agents in La Marina Urbanisation in San Fulgencio
Smart Properties are specialists in selling all kinds of properties in La Marina Urbanisation and its surrounding areas. We provide a comprehensive real estate service that covers all the stages of the purchasing process in Spain and more. We are also experienced builders who can help you build that custom home you have been dreaming of.
If you are interested in purchasing or selling property in La Marina urbanisation, San Fulgencio you have come to the right people. We are famous in this region because of our expertise and friendliness.


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Phillies 2013 Predictions: Writers of "A Snowball's Chance" weigh in
By Joe Vallee at 4:29 pm on Tuesday April 2, 2013Read More
Derek Jeter done, Nationals collapse, St. Louis Cardinals performing miracles again, and more
By Joe Vallee at 4:06 am on Sunday October 14, 2012Read More
Six things we learned during Phillies' final homestand of 2012
By Joe Vallee at 11:04 am on Friday September 28, 2012Read More
Jayson Werth and Phillies fans: After the Love has Gone
By Joe Vallee at 2:53 am on Wednesday May 9, 2012Read More
Cole Hamels beaning Bryce Harper: The Pros and Cons of Keeping it Real
By Joe Vallee at 4:16 am on Tuesday May 8, 2012Read More
Cole Hamels admits to hitting Bryce Harper, 'Natitude' Park, and more in Phillies Weekly Recap
By Matt Babiarz at 1:19 am on Monday May 7, 2012Read More
2012 brings back healthy NL East hatred for Phillies fans
By Matt Babiarz at 1:01 pm on Sunday February 19, 2012Read More
Phillies sign Jonathan Papelbon, but was Ryan Madson a better choice?
By Joe Vallee at 5:37 pm on Friday November 11, 2011Read More
Why the Phillies have to get Carlos Beltran- and FAST!!
By Joe Vallee at 2:05 am on Sunday July 10, 2011Read More
Charlie Manuel Requests a Hitter: Analyzing the Phillies' Trade Deadline Possibilities
By Matt Babiarz at 2:07 am on Friday June 24, 2011Read More
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Model: Winged Free Standing Drinking Fountain
150 mm square to cater for twin bubblers and bottle filler.900 mm standard height.Dimensions and options:Can be surface mounted or concrete in ground.150 square x 5 mm wall thickness box section.Security keyed maintenance tap. Can be vandal shroudedFully filtered to protect hardware and deliver clean fresh tasting water.Optional tilt drain dog bowlBottle filler tapTwin drinking bubbler for multi use.
Product PDF file


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The heavenly aroma of jasmine will reduce headaches, depression, fatigue & stress leading to total body relaxation while on a physical level it moisturizes & tones your skin, restoring its natural pH balance. Vitamin - E enriched with Jojoba and Olive Oils.
Explore the entire range of Massage Oils available on Nykaa. Shop more Soulflower products here.You can browse through the complete world of Soulflower Massage Oils .
Expiry Date: 15 August 2021