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News broke today that rapper Nas, (and it's no secret) one of my all-time favorite rappers made $40 million dollars as his investment in the doorbell company Ring paid off after it was acquired by Amazon. The sale is not particularly shocking. Ring was acquired for $1.1 Billion dollars, pocket change for a company like Amazon. The sale is the culmination of years of hard work and sound business decisions. Ring was one of the first to realize that video and the internet are going to impact the home security market. They moved first and efficiently to capture over 90% of the video doorbell market. Nas and his VC firm Queensbridge Venture Partners made an early investment in Ring. The same way rapper, 50 Cent, and his VC firm did in Vitamin water and many other celebrities have done with other upstart companies in the past. So let's analyze why and how Nas was able to create this $40 million dollar payday and allude to some future paydays to come and how you can also do the same.
If you ever listened to Nas it's not hard to see the intelligence and mastery of alliteration in his music. But if you analyze his business moves over the past 2 years you will see a change in his investment mindset. He has invested soundly and made small bets on startups that will either change the world or "die trying". We all can learn from that strategy if you have the money to invest and are willing to invest. His strategy is turning out to be the "blueprint" (I know KRS already made an album called the blueprint-Nas) on how to invest to create generational wealth. Nas has been investing in young tech startups such as Genius, DropBox, and Lyft so future paydays are on the horizon. When most people think of investing they think stock market. They think 401k. That thinking is problematic if you are looking to create generational wealth. Your 401k or your mutual funds will not create generational wealth for you. They may for the hedge fund manager or the founder but not the retail investor. If you want to create generational wealth you have to invest in things that you can (A). Either control the outcome of the investment like real estate or (B) if you don't control the outcome you are sure to win big in a significant way if the investment pays off like being an Angel Investor. Many people think Angel Investors are only Billionaires the question you need to ask yourself is would you rather have $100,000 in a 401k or would you rather invest $100k in a startup that has a chance to change the world?
If you are more of the later you have the mindset of an Angel Investor. Angel investors invest in companies that sometimes don't even have revenue yet. They may only invest a small amount. That amount could be $100k or much less and in return, they get an equity position of the company. The bottom line is many people I know have $401k of greater than $100k that will not be worth one million dollars after 20 years of investing. Let Nas be your proof that a small 5% equity position can be worth millions of dollars if you spot a company with a solid business model and a founder with vision and execution. Look for companies you believe will change the world or impact it in a major way. It's only the beginning. What's next? There will be (AI) Artificial Intelligence, (VR) Virtual Reality, voice and many other technologies that have already started shaping our future.
The photograph in this article is a live original shot of Nas and was taken by the super talented photographer A. Retina Stewart. It was published with her permission.


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A poll of likely Florida voters in early September from Marist College, NBC and The Wall Street Journal showed Republican Mitt Romney carrying 58 percent of the military vote in Florida to Obama's 38 percent. Those voters made up 17 percent of the projected electorate.
TALLAHASSEE — James Steele, a U.S. Navy veteran who spent 10 years in the service during the Vietnam era, had a short answer when asked who he was supporting in the presidential election.
"A.B.O.," he replied — anybody but Obama.
Steele, 71, a lifelong Republican and the first vice commander of the American Legion Post 13 in Tallahassee, said that he felt from the beginning that Barack Obama lacked the experience to be an effective president.
"To me he has demonstrated that," Steele said. "He has no feeling for the job."
Steele is one of many Florida veterans who are expected to oppose Obama's re-election in November. A poll of likely Florida voters in early September from Marist College, NBC and The Wall Street Journal showed Republican Mitt Romney carrying 58 percent of the military vote in Florida to Obama's 38 percent. Those voters made up 17 percent of the projected electorate.
A strong military vote could be a factor in Romney's favor in a close election in Florida.
In 2008, Obama lost the military vote nationally by 10 percentage points — 54-44 percent — to U.S. Sen. John McCain, a decorated Vietnam War hero.
But the Obama campaign is working to cut the traditional edge that Republicans have had among the military members.
And long-term demographic trends may help Democrats gain more support among this key voting bloc in the long run.
Florida has the third-largest veteran population in the nation at 1.6 million. But its makeup is changing, with the 449,000 Vietnam-era veterans representing the largest group, although Florida remains the state with the largest group of World War II veterans, with more than 164,000 members.
The veterans' vote will be diminishing in Florida and the nation simply because fewer Americans are joining the Armed Services under the voluntary system that replaced the draft in the 1970s.
In fact, this year marks the first time since World War II when neither major party's nominee is a military veteran.
It reflects a demographic trend in which a majority of American men older than 70 served in the military — while among men under 50, only one in five has military service.
Seeking support
McCain has already come to Florida once for Romney and will return before the election, according to the Romney campaign.
The Romney campaign is also raising the issue of a possible loss of nearly 40,000 defense jobs in Florida if Congress cannot resolve the "fiscal cliff" of potential budget cuts in the coming year. And the campaign has hit Obama for his "weak record on foreign policy."
In a rally last week in Virginia, Obama was introduced by U.S. Sen. Jim Webb, a Marine veteran and former secretary of the Navy.
Both Webb and Obama played off Romney's controversial remarks at a May fundraiser in Florida when he talked about the "47 percent" of Americans who don't pay income taxes, a group that includes elderly people and veterans. Obama said that was a wrong characterization of the country, including the veteran population.
Obama said he saw a "whole bunch of veterans who served our country with bravery and distinction. And I see soldiers who defend our freedom every single day."
In another effort to reach veterans, first lady Michelle Obama and Jill Biden, the wife of Vice President Joe Biden, have made helping military families who have had to cope with lengthy wars in Iraq and Afghanistan one of their top priorities.
But in trying to engage the veterans, both campaigns understand the military voters, like most voting blocs, are not monolithic and they are evolving.
Analysts also say the veterans have to be viewed as a group that — like most voters — can be motivated by issues beyond those primarily important to the military, including the economy, education and health care.
Quyet Dang, a U.S. Marine veteran who served in Iraq, said he is undecided about the presidential race.
Dang, 24, a Republican who is now a criminal justice student at Florida State University, said he agrees with Obama's support for expanding government services that help people. He said his father, who emigrated from Vietnam with his family in 1991, benefited from the new health care law.
He said his father, who ran a coffee plantation in Vietnam but took a job as a school janitor in Pennsylvania, had suffered several strokes but had no medical coverage until the law changed. "That was something I was really happy about," Dang said.
Major impact
Dang also reflects the fact that the military vote is not just related to current military members or the veterans. It echoes through their families, relatives and communities as well.
In Dang's case, in addition to his parents, he has five brothers, with one deployed in Afghanistan with the U.S. Army as a medic and another, an Army captain, scheduled to be deployed.
Those families and relatives add heft to the military vote, said Susan MacManus, a political scientist at the University of South Florida.
"That's why nobody can get crossways on military issues and win Florida," she said.
And with Florida still struggling with an 8.8 percent unemployment rate, the economic impact of the military is also an issue in the election.
Florida has more than 20 military bases and facilities. A 2011 study by the University of West Florida calculated that military spending was responsible for nearly 690,000 direct and indirect jobs as well as some $60 billion in annual economic activity in Florida.
Some of those jobs — an estimated 39,000 — could be in jeopardy if billions of dollars in automatic cuts in national defense spending take effect in January unless the president and Congress change the plan agreed to in last year's federal debt ceiling fight.
Many of those bases, military personnel and their families are concentrated in Northwest Florida, which has been a stronghold for Republican votes in recent state elections.
Chris Veach, 27, who is studying business management at FSU, spent five years in the crash-fire-rescue service for the U.S. Air Force at the sprawling Eglin Air Force Base in the Panhandle. His father is retired from the U.S. Coast Guard, and his grandfather retired from the Air Force at Eglin. And his great-grandfather was one of the original firefighters employed at the base.
Veach, who voted for McCain in 2008, said he is supporting Romney. He said he is comfortable with a GOP philosophy that emphasizes federal spending on national defense rather than welfare programs.
"I relate to them on a lot of issues," he said about the Republican leaders.

subset: commoncrawl


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Sher Porter
LV Life Editor
Guests were treated to a ritual with songs, food and symbolism for the Model Passover Seder on Wednesday in the President's Dining Room.
Passover commemorates the story of Moses and the Jews' exodus from slavery in Egypt.
"It's a celebration of freedom from slavery," said Don Pollock, professor of communications, who has organized the event for the past 10 years.
A seder is a traditional Jewish meal in celebration of Passover, which this year was April 9-15 this year.
Usually Pollock schedules the model seder for just before the holiday. Because of spring break and scheduling conflicts this year, the event was moved to Wednesday which coincides with Israel's independence day.
About 40 people attended.
The evening began with songs from Paul Buch, the cantor from the Temple Beth Israel in Pomona. He sang some songs in Aramaic and encouraged all to participate.
When he was finished, Tammy Schneider, a religion professor at the Claremont Graduate University and leader of the evening ceremony, lit two candles and led the group in prayer.
Schneider then ceremonially washed her hands and moved on to the first of the 15 rituals that are performed at a seder.
"There's an order," Buch said. "It's the same every year and it's different every year."
The first of four glasses of wine is drunk. The four glasses represent the freedom the Jews have because when they were slaves, they could not drink.
Since the University of La Verne has a dry campus, grape juice was served instead.
The wine must be drunk while reclining to the left.
Following that, the food enters the picture. Guests dipped parsley into a bowl of salt water. The parsley represents rebirth and the salt water represents the tears the slaves shed. This is done in acknowledgement not only of Jewish slavery in Egypt, but also of slaves today in other parts of the world.
"We can't forget the suffering of others when we are joyous," Schneider said.
Schneider then took one of the three pieces of matzah from the seder plate and broke it in half.
One half, called the afikomen, will be hidden later for the guests to find. Usually, parents hide it from their children because they must find the afikomen to have dessert.
The other half is shared among those that are present. The matzah is eaten because when the slaves fled Egypt, they did not have time to let the bread rise, so they ate flat bread. It is known as the bread of affliction.
"Imagine eating (matzah) for a week," Schneider said. "Now that's re-affliction."
The next cup of wine is taken and the children ask the four questions, beginning with, "Why is this night different from all other nights?" They ask about the significance of the matzah, dipping, herbs and reclining.
This leads into the telling of the exodus from Egypt. Participants took turns reading passages from the Haggadah, the seder prayer book.
Students were selected to represent the traditional four children in the Haggadah: the wise child, the evil child, the simple child and the child that does not know how to ask.
Buch lead participants in another song about the 10 plagues that were cast on Egypt.
It was a very upbeat song that the audience sang and danced to while sitting down.
Travis Case, a junior religion major, said his favorite part was the singing.
Schneider continued the ritual by showing everyone the seder plate. On the plate was a bitter herb that represents the bitterness of slavery, a roasted egg that represents new birth, a lamb shank bone that represents the lamb whose blood was used to mark the doors during the last plague of Egypt, another fresh herb, matzah and charoset, a mixture of fruit, nuts and wine.
It was time to eat the matzah, eaten first by itself, then with the bitter herb and finally with the charoset. Horseradish was used as the bitter herb and apple rosette as the charoset.
At this point, the seder stops for dinner. During the course of Passover, observant Jews are not allowed to eat leavened bread or any food that contains bread products.
After dinner, the last parts of seder commence. First was the search for the afikomen, which was found by Dylan Haro, a junior psychology major.
Ariel Epstein, a graduate student, said her favorite part of the seder when she was a child was finding the afikoman. She would get a dollar if she found it.
The third cup of wine was then drunk. Although this was not performed at the Model Seder, a cup of wine is generally filled for the prophet Elijah and a passage is read as an invitation for him to enter the home.
Another song is sung to sing the praises of Elijah.
A fourth cup of wine is finally drunk.
"Technically you're supposed to be drinking four glasses of the wine, so by the end you don't know what the seder is about," Schneider said.
The University began hosting the Model Seder about 30 years ago to recognize the Jewish community on campus.
"I think it's good. I think it's necessary. I think it educates people about different religions and a different way of life," Epstein said.
Sher Porter can be reached at email@example.com.


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Paint Your Own Snowdog Workshops, Saturday 12 November
Our new specialist upcycled furniture charity shop, Re-styled by St Oswald's Hospice is hosting a day of special Snowdog-themed workshops this Saturday (12 November) where budding young artists can creatively customise their own canine keepsakes.
To mark the addition of our new Paint Your Own Snowdog figurine to our official Great North Snowdogs souvenir collection, families and trail enthusiasts alike are being invited to sign up for a 45 minute craft masterclass from our talented team.
For a suggested on-the-day donation of £3.00 per person, each workshop will see our experts demonstrate a variety of techniques and applications to decorate the dog of your dreams. A wide selection of craft materials and paints will also be included to help you mark your territory as an early Christmas treat.
Priced at £19.99 and measuring at seven inches long from nose to tail, each white figurine provides a blank canvas for your imagination to run wild. Super Snowdog fans can even attempt to recreate their favourite pup from our pack.
Based in-store at Unit 19, Eldon Garden Shopping Centre, workshops will run from 10.00am – 3.00pm, giving visitors time to peruse the centre's Christmas Market and see its resident little Snowdogs for creative inspiration.
Shoppers can also sample the range of new Christmas products available at Re-styled by St Oswald's Hospice, including decorations and cards, while experiencing the shop's unique upcycled creations.
Re-styled by St Oswald's Hospice also carries our Great North Snowdogs memorabilia and new retro-style and local artisan products which make for great gift ideas.
To book a space, please reserve your Paint Your Own Snowdog figurine by popping into the shop or call direct to make payment over the phone during shop opening hours on 0191 2303184.
Drop-in sessions will also be available during the day, however all workshops are limited to groups of four to six and early booking is recommended to avoid disappointment. Please note that children must be accompanied by an adult.
For more information about Great North Snowdogs, please visit www.greatnorthsnowdogs.co.uk and to shop our souvenir collection online, click here.


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This article first appeared on Arup.com.
Children living in informal settlements in areas of rapid urbanisation are severely affected by a lack of basic services, inadequate living conditions, and limited opportunities for individual and community growth. A child-centred approach is required to ensure their needs and constraints are included in decision-making and planning.
As part of The Rockefeller Foundation's 100 Resilient Cities Programme, Arup is assisting the municipality of Salvador in Brazil to develop a child-centred approach to resilience building in informal settlements. In the favela of Novos Alagados, Arup is working to improving the liveability and safety for children and their caregivers. The project is being delivered in partnership with Bernard van Leer Foundation's Urban95 initiative and Avsi Brazil, an NGO that has been operating in the area for over 15 years.
We conducted a spatial assessment of the favela Novos Alagados in collaboration with Avsi Brazil using both quantitative and qualitative methods of analysis. The observations and GIS analysis were linked and mapped spatially to indicate the challenges and risks associated to the area.
An inclusive approach
Using the Child-centred Urban Resilience Framework, developed by Arup in collaboration with Plan International, we organised a participatory workshop with children and caregivers living in Novos Alagados. The aim was to understand the area through the eyes of the children, to understand the challenges they face, and to help identify possible interventions and solutions to improve their quality of life. We used relevant best-practice design solutions and employed participatory methods and tools to ensure the views of the children became firm actions.
By adopting this approach, we tackled and prioritised the needs and aspirations of the children in the planning and design of their urban environment, whilst strengthening their capacity to be a part of the decision-making processes that affect them. We identified short and mid-term interventions aimed at improving the liveability and safety of the favelas, which will be included in the Salvador Resilience Strategy to be launched in January 2019.
Creating safe cities for all
A child-friendly approach to urban planning has the potential to unite a range of progressive agendas, including health and wellbeing, sustainability, resilience and safety. As a catalyst for urban resilience and innovation, putting children's needs at the centre of planning can contribute to the creation of inclusive, liveable and safe cities that work better for everyone.


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Author: Mario Tomic, owner and writer at ShockingFit.com, my website is dedicated in helping people with fitness, bodybuilding and weight loss. Jump to my website from time to time if you like to learn the latest proven techniques on how to building muscle, lose weight and develop an amazing body. Thanks!
You could simplify things and say "I exercise every day and I'm successfully losing weight". That might be true, but maybe I can help you burn more fat and lose more weight by making an easy adjustment. I'm writing this article for people that want to learn how to maximize their results. This is not something you have to do, but I believe that every person want the best possible results when doing something. Research shows that to lose weight we have to spend more calories each day then we eat. The formula seems quite easy, but there are some tricks on how to get more results in less time. One of the tricks I'm writing for you today is how to pick the best possible time to exercise each day if you want to burn more fat.
How the time of the day when you exercise directly affects fat burning?
If you exercise early in the day, once you had only 2 meals your body will burn more fat then if you did the same workout later that day, an example would be:
- 7:00 – You just woke up and had breakfast
- 10:00 – You ate your Second meal
- 11:30 – Weight training + 20 min cardio after
- 13:00 – Post workout meal etc…
Secret here is that your resting metabolism will burn more fat after the exercise and also will use up more energy to recover as you will be awake for more time if you do the exercise early. Problem with working out late is that you go to sleep soon after your workout is done and then the metabolism boost goes to waste, since metabolism naturally slows down when sleep hormones are released.
Pros and cons of working out early
Biggest pro of early exercise is that you'll burn more fat, that sounds amazing and it is. However exercising earlier has its cons, one is that you will have most definitely have less strength then if you trained in the late afternoon. The other con is that it might be harder to warm up and you will have to spend more time doing it just to be sure you are ready for the workout to avoid any injury. Research shows that the body gets stronger as the day goes on, and the peak strength is somewhere around 18:00. If you goal is to only build up strength and mass without worrying about fat loss i suggest that you train in the late afternoon and save the early workouts for the cutting phase. They say Arnold Schwarzenegger used to exercise early when he was cutting for Mr. Olympia, he trained very early in the morning claiming that the peak testosterone levels in the morning help build muscle and burn fat at the same time.
Building a perfect daily exercise routine
Most successful people in the fitness industry use a simple technique in planning. They come up with the perfect exercise day and try to make each day as close as possible to that. We are all human and there are a lot of factors involved in weight loss, for example one day can be a bit stressful and stress is proven to affect weight loss and maybe the next you got some other urgent issues to attend to so you have to skip your workout, these things happen and there is no way to escape life. But we will all admit that this is not something that happens every day, most of the days you have spare time for workout but you decide to watch TV or do something else that will not bring you any closer to your goals. Even if you don't have time in your busy life to visit a gym every day there are no excuses not to try a home workout routine with no equipment required. You must motivate yourself to overcome these obstacles and just be goal oriented, once you start getting results you will easily find inspiration by simply looking at the man in the mirror. You don't need to look at any fitness photos, your own mirror can be the motivation that keeps you going when it is the hardest.
Related articles
- 7 Great Foods to Help Burn Fat (cleansebody.org)


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Delicious: Emily's Hopes and Fears Collector's Edition
Delicious: Emily's Hopes and Fears Collector's Edition Game Description
Delicious: Emily's Hopes and Fears takes you on an adventure like no other before... During the hottest summer of the century, Paige fights to survive a mysterious disease. While Emily stays unwaveringly by her struggling daughter's side, Patrick embarks on an epic journey through the blistering cold in search of the only cure: a magical flower... Can he save his little girl?
Game belongs to genres: Collector's Edition, Felix's Favorites, Time Management
Full version features:
- Enjoy the 12th season of the Delicious time management game series.
- Complete 65 challenging yet curiously relaxing story levels, plus 32 extra challenges.
- Jump into an amazing adventure, and help Patrick find the magical flower.
- Help Emily hold on to hope in times of uncertainty and fear, and collect presents to cheer up Paige.
Delicious: Emily's Hopes and Fears Collector's Edition Screenshots:
System requirements:
OS: Windows XP/Windows Vista/Windows 7/Windows 8/Windows 10
CPU: 3.0 GHz
DirectX: 9.0


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eCourier User's Starter Kit Member FDIC Equal Housing Lender Subject to Bank Approval Table of Contents 2 About eCourier 5 eCourier FAQs 9 Your Rights & Obligations 13 Security & Privacy Issues 19 Scanner & Software Information 23 Customer Notification 27 Definitions 1 © 2013 Beavercreek Marketing, a division of Beavercreek Inc. All rights reserved. MSC-SK13 Welcome to eCourier eCourier utilizes a desktop check scanner that connects to your PC and the Internet. With it, you can scan checks received from customers and issue deposits electronically to Capitol Bank, anytime day or night. It's the fastest way to turn check deposits into cash. This User's Starter Kit is designed as a convenient quick-reference guide to get you started quickly. Depositing checks electronically from your desktop has never been easier. 2 eCourier Features FINANCIAL INSTITUTION Consolidate funds from remote locations into Capitol Bank Check deposits can easily be made from any remote office or storefront. This streamlines your cash flow by consolidating deposits from multiple locations into Capitol Bank. Make deposits anytime Enjoy the convenience of making deposits electronically 24 hours a day, 7 days a week, even on weekends and holidays. Cut costly courier fees or trips to Capitol Bank Electronic deposits can reduce trips to Capitol Bank, saving on fuel costs and reducing or eliminating costly courier fees. Save time preparing deposits Preparing deposits electronically is very efficient, reducing labor costs and freeing up staff for other tasks. Reduce risk of check fraud Faster check clearing allows you to react sooner on returned checks, significantly increasing your opportunities for collection. More secure eCourier features multiple layers of security including password protection, Internet firewalls, and 128-bit encryption, the highest level of security available. 3 How Does eCourier Work? Scan checks from your desktop. Using a supported check scanner, simply scan both sides of the checks in a single pass. Prepare the deposit. View images of the scanned checks right from your PC. The dollar amounts for the checks are automatically read and the deposit is totaled. Electronically send the deposit to Capitol Bank. Click SUBMIT DEPOSIT and that's it. The deposit is sent to Capitol Bank through a secure Internet connection. Funds are deposited into your account. Access funds sooner than traditional deposits. Note that deposits to your account are usually processed by Capitol Bank during normal business hours. Check 21 eCourier is a result of the Check 21 legislation enacted in 2004. This law allows for electronic images of checks to be accepted as the legal equivalent of original paper checks. As a result, you can remotely capture checks and send a batch of electronic images to Capitol Bank for processing. Jan. 1, 2013 Presidents Inc. Two hundred fifty dollars and 00/100 250.00 Substitute checks are the legal equivalent of original paper checks. Customers may receive an image of the check in their Capitol Bank statement. When needed, a paper image called a substitute check can be reproduced. Both image checks and substitute checks are accepted as legal proof of payment. To learn more about Check 21 visit the Federal Reserve's Website at www.federalreserve.gov/pubs/check21/shouldknow.htm 4 eCourier FAQs 5 eCourier FAQs What types of checks can be processed through eCourier? All personal and business U.S. checks can be processed through eCourier. Checks from Canada and other foreign countries, food stamps, savings bonds and poor image quality checks must be deposited traditionally. How secure is eCourier? eCourier features multiple layers of security including password protection, Internet firewalls, and 128-bit encryption, the highest level of security available. What do we need to use eCourier? •PC with a current version of Windows XP® (SP 3), Windows Vista® (32-bit-Business), Windows 7 (32 bit-All Editions, 64 Bit-Professional), or Windows 8 •Approved desktop check scanner connected to the PC •High-speed Internet connection •Account with Capitol Bank •Internet Explorer 7.0 or newer For more detailed system requirements see pages 20-22. Are there any deposit limitations using eCourier? There may be limits on the number of deposits per day, and/or the total dollar amount of deposits. Can the deposit history be viewed within eCourier? The deposit history can be viewed within eCourier as far back as Capitol Bank has determined to retain the images. History prior to that must be accessed through Online Banking. What type of Internet connectivity is needed? A Broadband or DSL-type connection is recommended. When will deposits be posted to our account? Deposits submitted through eCourier will be posted on the current or next business day depending on when they are received. In some cases, the window for processing electronic deposits may be extended beyond the hours for traditional paper deposits. 6 Questions? Contact Capitol Bank for further details. How do we prevent checks from being scanned and deposited twice? The software is designed to compare each check to the previous checks you have deposited. If a possible duplicate item is found, you will be alerted and corrective action will need to be taken. How do we know if the image quality is acceptable? The software uses a process called Image Quality Analysis (IQA) to determine if all required information from the check is readable. If the check image fails IQA, you'll be alerted. For more information about check image quality, see "Scanning Checks" on Page 21. When can electronic deposits be issued to Capitol Bank? You can submit electronic deposits to Capitol Bank 24 hours a day, 7 days a week, including weekends and holidays with the exception of Capitol Bank's routine maintenance downtime. Capitol Bank's business day for processing electronic deposits may also be extended. Contact Capitol Bank for details. What should we do with the original paper checks after deposits are made? Original checks should be stored for a minimum amount of time prior to being destroyed, as determined by Capitol Bank. Your company will need to set policies for the proper storage and methods for securely destroying the original paper checks. Included in this booklet are guidelines to assist you in the development of these policies. Who should use the system? Individuals already in charge of manually preparing and delivering deposits are typically the same people who will use eCourier. 7 Notes: 8 Your Rights & Obligations 9 Your Rights & Obligations Prior to using eCourier, an application and other compliance forms will need to be completed and approved by Capitol Bank. It is recommended that you keep these forms on hand for future reference. Your Obligations As an eCourier user you guarantee the following: •The check images presented to Capitol Bank accurately represent all information on both sides of the check. •The check images contain all endorsements. •Checks are kept in a safe and secure area. •Checks are to be destroyed in accordance with Capitol Bank's instructions. •Checks can only be deposited once. •Checks are voided after deposit verification on statement. •Original items will be provided to Capitol Bank upon request. Equipment Use only supported equipment. Do not bypass, override or disable any security mechanisms within the equipment. Maintenance of Equipment Make sure your equipment is clean and operating properly. Periodically inspect and verify that the images are legible. Storage and Destruction of Checks It is important to retain the original paper checks for a period of time, as described in your eCourier Agreement. After the retention period expires, you are required to use an acceptable method to securely destroy all original paper checks. Acceptance of Deposit Capitol Bank will accept electronic check images for deposit into your account upon receipt of a successful transmission of check images. Deposits must be complete, usable, and adhere to data specifications established by Capitol Bank. 10 Returned Items If a financial institution returns an item you captured, Capitol Bank may charge your account for the item. Capitol Bank may also: •Provide a returned item notification and/or substitute check copy to you. •Or re-present the check to the financial institution for payment. Breach of Information As the financial institution, Capitol Bank may suspend your eCourier service if we have reason to believe there has been: •A breach in the security of the program. •Fraud involving a customer's account or their check. •Uncertainty regarding the authorization or accuracy of electronic items. Following the Law You are expected to comply with the terms of the eCourier Agreement as well as all applicable federal, state and local laws and regulations. Copyright Information eCourier is copyright protected and prohibits the following: •Copy or use of the system software or documentation except as expressly authorized. •Sublicense, rent, distribute, transfer, publish, disclose, display or otherwise make the system software available to others. •Use of the system software or documentation for third-party training, commercial time-sharing or service bureau use. •Alter, change, modify or otherwise create derivative works of the system software or documentation. Refer to the user agreement for additional restrictions. 11 Notes: 12 Security & Privacy Issues 13 Security & Privacy Issues Security and privacy issues are important considerations when using eCourier. This chapter offers guidelines for setting your company's policies and procedures for the proper storage and disposal of customers' checks and personal information. 14 Guidelines for Securely Storing Checks eCourier requires users to store the original checks for a minimum amount of time prior to destroying them. Due to privacy laws and the liabilities associated with the storage of original checks, here are a few important measures you should take: Store all original checks in a safe or lockbox, accessible only by authorized personnel. Do not store customer account information, photocopies, or private information in your general files which are accessible to non-authorized personnel. Maintain a filing system that easily identifies any missing checks. Suggestions include: a. Store the checks in chronological order so you can destroy checks in accordance with Capitol Bank policies. b. M aintain an accurate count of checks you have stored at any time. Set a timetable for periodic destruction of stored original checks. Maintain a paper shredder on-site or hire a third-party service for the secure destruction of checks. Have a locked or secure trash bin for the disposal of shredded checks. Guidelines for protecting access to eCourier include: a. Computers should have working anti-virus software, and software should be regularly updated. b. L imit access to eCourier to authorized personnel only and require a login with user ID and password for access. Perform routine audits for potential security breaches to customers' information. 15 Use of Customer Information Since you may have access to personal information regarding your customers, you are required to: •Maintain the confidentiality, integrity and security of their information. •Use customer information only for the purposes as described in the eCourier Agreement. •Disclose such information only to authorized personnel. •Maintain physical, technical, procedural and administrative procedures reasonably designed to ensure the security, integrity and confidentiality of customers' information. Breach of Information Capitol Bank may suspend your eCourier services if we have reason to believe there has been: •A breach in the security of the program. •Fraud involving a customer's account or their check. •Uncertainty regarding the authorization or accuracy of electronic items. Proper Disposal of Checks After the storage period has expired, all paper checks must be destroyed using a secure, approved method: •Set a timetable for periodic destruction of stored paper checks. •Use a paper shredder or other approved methods for the secure destruction of paper checks. 16 IMPORTANT! If a breach of security is discovered, immediately contact local authorities, Capitol Bank, and customers that may have had their information compromised. Check Fraud Prevention Accepting Checks Always have your check cashing procedures clearly defined. The following safety precautions can help prevent check fraud: •Ask for a picture ID before accepting checks. •Always make sure the customer signs the check in front of you. •Request that checks be written with blue or black ink. •The check's MICR line should appear slightly raised and not smudged. •Don't accept starter checks, or checks without a financial institution logo and routing number. •Be alert to suspicious or unusual activity when accepting checks. •Two-party checks double the risk for check fraud. Detecting a Fraudulent Customer Here are a few tips to spot customers who may be attempting to pass a fraudulent check. •Makes random purchases without paying attention to size, value or price. •Presents you with a check taken from a pocket instead of a checkbook or wallet. •When asked for photo ID, claims to have left it at home or in the car. •Arrives at or about closing time and tries to hurry you through the sale. •Purchases a large item and refuses delivery. •Displays no interest in the warranty on expensive items. •Is overly slow and deliberate when signing the check, perhaps because the signature is being forged. •Does not make eye contact with you. •Is overtly friendly or overly rude in an attempt to distract you. 17 Notes: 18 Scanner & Software Information 19 Scanner & Software Information Basics of the Scanner eCourier works with approved scanners from Capitol Bank. How the Scanner Captures an Image Most check scanners capture an image of both sides of the check in a single pass. They also capture all data from the check including the MICR line, account & routing numbers, payee, signature, amount, date, and endorsements. Supported scanners include Courtesy Amount Recognition (CAR) and Legal Amount Recognition (LAR) capabilities that read the customer's handwriting and automatically inputs the dollar amount of each check into the deposit. The scanned deposit total should be verified prior to submitting it to us. Note: Scanners should be placed at least 18 inches from other electronic equipment. Workstation Requirements & Qualified Scanners Disk Space 11 GB to 20 GB of available disk space on the system drive recommended Hardware 2.0 GHz (or higher) processor recommended 2 GB of RAM (or higher) recommended Operating System Microsoft Windows XP® (Service Pack 3), Microsoft Windows Vista® (32 bitBusiness), Windows 7 (32 bit-All Editions, 64 Bit-Professional), or Windows 8 Browser Microsoft Internet Explorer 7.0 or newer Software Appropriate Ranger Device Driver – varies depending on the scanner in use and will be obtained from the UFS SCO Drivers Link Note: •The workstation (and server if applicable) on which eCourier is installed must be defined as a trusted site. (https: //sco-web.ufsdata.com) •User must be a Local Administrator on the PC when installing eCourier. •Internet connection/Wired Ethernet Network Interface Card connection/DSL, ADSL, Cable, T-1 (with Internet access of 1.5 megabits per second (MBPS) connection or higher) Internet access. •If client PC must connect to the Internet through a corporate firewall, the firewall must be configured to allow HTTPS requests (port 443) to the eCourier web server and receive corresponding HTTPS responses. This is a secure Internet connection over port 443 using 128 bit encryption. 20 •If a proxy server is being used, it may need to be configured to allow access for the eCourier application. •Uninstall third party toolbars such as Yahoo, Google, Bing, etc. They have caused issues when installing the eCourier software. •If problems arise during installation, it may be necessary to disable spyware or antivirus temporarily. Qualified Scanners Listed below are all scanners qualified for eCourier. Vendor Burroughs® Burroughs Burroughs Burroughs Canon® Canon Canon Canon Canon CTS® Digital Check® Digital Check Digital Check Digital Check Epson MagTek® MagTek MagTek Panini® Panini Panini RDM® Model SmartSource™ Professional/Value/Adaptive (2 pocket functionality) SmartSource Edge SmartSource Micro SourceNDP ImageFORMULA CR-25 Check Transport ImageFORMULA CR-55 Check Transport ImageFORMULA CR-180 Check Transport ImageFORMULA CR-180II Check Transport ImageFORMULA CR-190I Check Transport LS100 CX30 TellerScan™ 215 TellerScan 230 (35 or 65 documents per minute) TellerScan 240 CaptureOne Excella™ Excella STX MICRImage I:Deal My Vision X™ (30, 60 or 90 documents per minute) Vision X™ series EC7000 series * If you question whether a scanner not listed above is qualified, please let us know and we will contact Fiserv. 21 Scanner & Software Information Scanner and Software Installation Check scanners are delivered from the manufacturer with instructions for installing the appropriate drivers. After logging on, the system automatically checks your computer to see that all the necessary components are working properly. It tests for the proper operating system, browser type, and other applications or settings. If a warning sign appears in the test, simply follow the on screen instructions to correct the error. Scanning Checks Check image quality is required to meet certain specifications including: •Checks should be written in blue or black ink. •Handwriting must be legible. •The MICR line must appear to be fully intact. •Checks must be signed. The built-in Image Quality Analysis (IQA) tool will identify most checks with poor image quality, however, the guidelines listed above will help ensure checks are scanned properly. If the image fails the IQA test after scanning, review the following: •Verify that the check was able to pass through the scanner. •Make sure the information on the check is legible. •Verify that the image displays the MICR line, signature, date, payee, amount, and both sides of the check. Rescanning a check with poor check image quality may solve the problem. If the image quality problem persists, you may need to deposit the paper check at your nearest Capitol Bank location. 22 Caring for the Scanner You can extend the life of your scanner by performing the following preventative maintenance procedures: Complete a monthly "health check" of your scanner's replaceable parts (including cartridge, absorbing felt, ink rollers, stamp pads, and lens cover) and replace them before they show extreme wear. Replacement instructions are described in the scanner's instruction manual. Do not insert checks that could damage the scanner, such as stapled checks. Use compressed air to clean the scanner frequently. This eliminates dust and paper fragments that may damage the scanner. Approximately every six months perform a general visual check and conduct simple testing to ensure the movement and tension of the scanner's rollers and belts are sound. Adjust the parts as described to prevent possible malfunction. Your preventative maintenance schedule may vary depending on frequency of use and your operating environment. Note: For more preventative maintenance hints refer to your scanner's instruction manual. 23 Key Features of eCourier •Automatic: The system can read the customer's handwriting and automatically fills in the amount of the check for the deposit. •Duplicates: The system at Capitol Bank will review all deposits to ensure that no check is scanned or deposited twice. •Image Quality Analysis: The IQA tool confirms the presence of the date, signature, payee, and the overall quality of the image. •No software to install: Web-based system does not require installation or updating of software. •Totals the Deposit: The system automatically totals the amounts. •Balances the Deposit: The system will require and assist in balancing the transaction prior to submission. •Secure: Uses the highest level of security available for sending electronic deposits to Capitol Bank. 24 Customer Notification With eCourier, your customers will no longer receive their original checks returned from Capitol Bank. Instead, they may receive an image of the check or a substitute check, or the check may be truncated. For this reason, you may want to notify customers about the change to your check processing procedures. A notification can be mailed to customers or displayed in prominent locations. Sample 1: IMPORTANT BILLING CHANGE Effective Monday XX, XXXX (Company) will begin processing checks received for payment electronically. This means we will send an image of each check to the financial institution for processing rather than the original check. How will this change affect me? If you currently have checks returned in your financial institution statement, then you will continue to receive either an image of the check or a printed substitute check. Both are acceptable as legal proof of payment. What happens to my original check? Original checks will be securely stored for XX days and then destroyed. The image check or a substitute check will always be available from your financial institution for legal proof of payment. What other payment options are available? (Company) will continue to accept credit card payments or call (800) XXX-XXXX for other payment options. 25 Sample 2: Effective with your next payment, (Company) will process checks electronically. This means we will send an image of each check to the financial institution for processing rather than the original check. If you have questions please call (800) XXX-XXXX. Sample 3: Effective with your next payment, (Company) will process checks electronically. This means we will send an image of each check to the financial institution for processing rather than the original check. Original checks will be securely stored for XX days and then destroyed. The image of the check or a substitute check will always be available from your financial institution. (Company) will continue to accept credit card payments or call (800) XXX-XXXX for other payment options. 26 Definitions 27 Definitions Use this as a handy quick-reference guide. It includes definitions for many of the terms you'll be using with eCourier. Account: Account at Capitol Bank into which checks transmitted electronically will be deposited. Account Agreement: Capitol Bank's standard deposit agreement and disclosures governing the account. ACH: Acronym for Automated Clearing House, is a term that is often confused with eCourier. eCourier converts checks into an electronic image and is processed similar to a traditional paper check. An ACH payment converts a check into an electronic debit where the money is withdrawn from the customer's account immediately. Cash Management: In this manual, cash management refers to Capitol Bank's eCorp. Check: A draft that is payable on demand, drawn on or payable through or at an office of a United States financial institution and payable or endorsed to customer. Types of checks include original checks, image checks, and substitute checks. Check 21: Legislation passed in 2003 and became effective October 28, 2004. Allows for an electronic image to be accepted as the legal equivalent of the original paper check. Consumer Information: Any record about an individual, whether in paper, electronic, or other form, that is a consumer report or is derived from a consumer report. Excludes information that does not identify individuals such as aggregate information or blind data. Dispose: To discard or abandon consumer information, or the sale, donation, or transfer of any medium, including computer equipment, upon which consumer information is stored. Documentation: All manuals and instructions relating to the program or the authorized equipment. Electronic Item: A digital image of a check, an image exchange item, or any other electronic version of a check or other electronic item (such as items processed through the automated clearing house [ACH] system). Image Check: A paper reproduction of the electronic check, and is a legal proof of payment. 28 Image Exchange Item: A digital image of a check cleared and settled directly with a payor financial institution without conversion to a substitute check. IRD: Another term for "substitute check". IRD stands for Image Replacement Document. Once customer's checks are scanned, and the images are sent to the financial institution, customers will no longer have access to the original check. So instead of receiving their original check they will receive an IRD or an image of the check. In most cases customers won't see any significant differences in their statements. MICR: The MICR line, or Magnetic Ink Character Recognition, contains the issuing financial institution's transit number, check number, and account number on the bottom of the check. Non-cash Item: An item that would otherwise be a check, except that: •A passbook, certificate or other document is attached. •It is accompanied by special instructions such as a request for special advice of payment or dishonor. •It consists of more than a single thickness of paper, except a check that qualifies for handling by automated check processing equipment. •It has not been preprinted or post-encoded in magnetic ink with the routing number of the payor financial institution. Original Check: The first paper check issued for a payment transaction. Program: The procedures, protocols, and software used by Capitol Bank and its licensors and contractors in connection with the electronic processing of checks, and includes the software and the services. Scanner: A hardware device that scans the front and back of the check providing an image of the check. Services: The services described by Capitol Bank, an agent, or designee of Capitol Bank, to enable eCourier users to process checks digitally and through substitute checks. Substitute Check: A paper reproduction of an electronic check. A substitute check is the legal equivalent of the original check. 29 eCourier Locations 710 N. High Point Road Madison, WI 53717 608.836.1616 108 E. Verona Avenue Verona, WI 53593 608.845.0108 www.capitolbank.com Member FDIC Equal Housing Lender Subject to Bank Approval © 2013 Beavercreek Marketing, a division of Beavercreek Inc. All rights reserved. MSC-SK13
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The Changer attaches safely to the Bed with self-locking handles Keep essentials close at hand with the mobile storage box
Water repellent padded mattress, easy to keep clean Soft, protective sides around the baby Suitable for max. 11kg
Made from MDF Part of the Stokke® Home™ concept: Complete changing and storage unit together with Dresser
Everything you need within arm's reach when Changer is placed on the Bed
The Changer transforms into a play table by turning the Changer upside-down and placing it on the cradle stand
Take Care of Your Pehr
Dresser dimensions (length x height x width) in cm/in: 73x88x50/28.5x34.5x20
Wood: Wipe with a clean damp cloth and remove excess water with a dry cloth. Moisture will crack stain. The use of any detergent or microfibre cloth is not recommended.
Textiles: The Changer Mattress is water repellent and easy to wipe clean. It can be hand washed at 30°C (86 Fahrenheit). Do not tumble-dry. The Changer Mattress Cover can be washed at 60°C (140 Fahrenheit).
Return Policy
This item is final sale and not eligible for a return or exchange.


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28 Mar 2018 11:36
Just about every office today hosts at least one coffee machine, and there are plenty of good reasons for that. Workers who have access to delicious coffee whenever they want it are more likely to stay focused and content, and this benefits their employers.
In fact, there are ways of going beyond these basics and producing even more significant returns. While maintaining regular stocks of coffee supplies will always be advisable, providing workers with a bite to eat can help, too. As those who look into Associated Coffee details online will see, there are plenty of excellent options.
flavia coffee and Worthwhile Way to Build Upon an Office Coffee Program
Many companies rely on specialized partners like this to keep them supplied with coffee and all the related accessories. With such a relationship in place, stocking an office with snacks will often take little more than modifying an existing order. Some of the types of food that are typically most popular and appropriate include:
Cereal bars. Many workers arrive at the office most days having not even thought of having breakfast. Pressed for time right from the moment they wake up, employees regularly overlook this especially important meal. Having cereal bars available can give workers a boost right when they need it the most, doing away with the kind of slow ramp-up in productivity that so often obtains otherwise. Even a small investment into this type of food can produce real benefits for employers.
ng the mind and body. On the other hand, eating something salty and satisfying can also make it much easier to get back on track and rally a second wind. Even a small bag of popcorn or chips at the right time can make a worker more productive.
Cookies and candy. Sugar is the most immediately available source of food-based energy, with the body having to do very little to make use of it. Many people find that eating a cookie, brownie, or other sweet treat perks them up significantly and quickly. Once again, providing flavia coffee to workers can benefit employers, too.
Satisfied Workers Offer More to Their Employers
Few employers doubt that providing coffee to workers can pay off in many ways. The same almost always holds with regard to foodstuffs that so often produce benefits of their own. Fortunately, it is typically easy to explore the options, especially for those who work with the right coffee service company.


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CATEGORIES Civil and Workplace Rights Economy Elections Higher Education IFT News Labor Professional Development Public Schools Public Services Retirement Security
Union recognizes commitment to working families and strong public education, services
WESTMONT—By a vote of its Executive Board today, the Illinois Federation of Teachers (IFT) endorsed the following candidates in the March 2016 Primary Election for their commitment to strengthening public education and services, and a willingness to work together with respect.
The IFT reviews candidates through a multi-step process that includes surveying on a variety of important issues, regional discussions open to all IFT members in the candidate's community, and final consideration by the forty elected members of our statewide Executive Board representing our union's diverse constituency.
These endorsements reflect the results of that democratic process and include support for two candidates running for statewide office —U.S. Representative Tammy Duckworth for U.S. Senate, and Chicago City Clerk Susana Mendoza, candidate for Illinois State Comptroller.
"As an advocate, veteran, and mother, Tammy Duckworth knows firsthand what sacrifice and commitment mean," said Dan Montgomery, a high school English teacher and President of the Illinois Federation of Teachers. "She has always fought tirelessly for our communities, and we're thrilled to endorse her campaign for U.S. Senate, where she faces an opponent who while on the Chicago school board, voted to close 50 public schools and rubber-stamped a contract that criminally misused public resources."
"We are proud to support Susana Mendoza, who has stood strong with working women and men against Governor Rauner's harmful political agenda," added Montgomery. "As Comptroller, we know she will continue to champion the needs of all families, and help bring strength and balance to a state economy that works for everyone, not just the most wealthy." See the complete list of IFT-endorsed candidates here >>


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"Unlike my brother judge here, who is concerned with law," he once teased at a legal dinner, "I am concerned with justice."
Whenever "Tom" Denning was faced with a situation that seemed to him dishonest, unjust or wrong, all his ingenuity and erudition would be directed to finding a remedy, even if the wrongdoer appeared to have the law on his side.
This was particularly the case when some powerful institution seemed to be oppressing a smaller body or individual. As Master of the Rolls from 1962 to 1982 - the length of the term inspired the jest that he possessed every Christian virtue save that of resignation - Denning was well placed to combat the insolence of office.
The Court of Appeal, over which he presided, heard some 800 cases every year, compared with a mere 50 or 60 which reached the House of Lords. In Denning's own words it "really does lay down the law in civil cases in this country".
Its leader, therefore, could put Government ministers in their place. "A practice seems to have grown up," Denning remarked in 1964, in resisting a claim that an official document should be privileged from disclosure, "that all a Home Secretary has to do is to give a certificate and pronounce a spell to make it taboo."
Denning was sometimes regarded as prejudiced against trade unions, but in 1972, in the first case under the Heath Government's Industrial Relations Act, his judgment in the Court of Appeal that a union was not responsible for the conduct of its shop stewards completely undermined the new legislation. Although the decision was reversed in the Lords, the authority of the Act had been irrevocably compromised.
Yet when Denning considered that the demands of trade unions were extortionate he did not hesitate to attack their statutory immunity. Thus in Duport Steels Ltd v Sirs (1980), the Court of Appeal granted an injunction which effectively denied the right of secondary picketing.
Again the decision was reversed in the House of Lords, but later that year the Employment Act upheld Denning's position by making secondary picketing illegal. Lord Denning defeated, as one QC pointed out, was often simply the prelude to Lord Denning triumphant.
Denning's devotion to justice was rooted in his strong faith. "Without religion there is no morality," he wrote, "and without morality there is no law." For many years he was president of the Lawyers' Christian Fellowship, and he liked to have the Bible close to hand when writing judgments. "It is the most tattered book in my library," he said.
Even with divine aid, though, a man requires a remarkable combination of qualities to circumvent successfully the rules of English law. Denning had absorbed vast learning, and his quick, powerful, practical mind excelled in reducing issues to their essentials.
Readers of his judgments can see quickly and clearly the controversial points of a case, and the reasons which led him to his decisions. If he jumped over a gap in the argument with an assertion of questionable validity, the gap was there for all to see, never hidden in a mass of verbiage.
Denning's style, whether in his judgments or in his books, was always simple, clear, vigorous and direct. He used short sentences in which adjectives, sometimes even verbs, were at a premium; and he liked to present the facts in the form of a story.
"It happened on April 19 1964. It was bluebell time in Kent", began his judgment in Hinz v Berry (1970). "In summertime, village cricket is a delight to everyone" was the opening of his summary in Miller v Jackson (1977).
There were critics who kept a stern eye on Denning and his concept of justice - which he defined as the solution that the majority of right-minded people would consider fair.
In a parliamentary democracy, it was argued, a judge had no right to stretch the interpretation of precedents to an extent that destroyed certainty and virtually amounted to the creation of new law.
On several occasions Denning was rebuked by the House of Lords, but once satisfied that he had found the right answer he was confident enough to be entirely unperturbed by disapproval in high places. "If our liberties had to be protected by them [the House of Lords]," he wrote, "they would prove a leaky umbrella."
When Denning failed to carry his fellow judges with him, he liked to leave markers for the future in his dissenting judgments. In Candler v Crane, Christmas & Co (1951), for example, he held that a firm of accountants owed a duty of care not only to their clients but also to any third party to whom they showed the accounts. This opinion would prove a landmark in extending the scope of negligence - though it was 12 years before the House of Lords adopted his reasoning.
Denning's judgments, framed to reflect his own moral intuitions in particular cases, did not always make good precedents. But his word came to carry an authority difficult to sweep aside.
"Until the judges become, like Lord Denning, a national institution," Lord Hailsham of St Marylebone ruefully reflected when Lord Chancellor, "they cannot answer back." And Lord Scarman characterised the post-war period in the law as that of "legal aid, law reform and Lord Denning".
Yet it was in a non-judicial role that Denning first became a household name. In June 1963 the Prime Minister, Harold Macmillan, asked him to undertake the inquiry into the security risks arising from the resignation of the Secretary of State for War, John Profumo.
"The Denning Report", published the next September, became an instant best-seller. Its chapter headings would have passed muster in any twopenny thriller: "Christine tells her Story", "The Meeting of the Five Ministers, "The Slashing and the Shooting", "The Man in the Mask".
The text matched these promises of sensation. Readers discovered that, on Denning's suggestion, a Cabinet minister had submitted his genitals to inspection by a Harley Street specialist in order to clear himself of the charge of being "the headless man" in an obscene photograph.
Some felt that Denning's innate puritanism rendered him unfit for such an investigation. The report made unsubstantiated allegations against Stephen Ward, and a photograph of Christine Keeler, who was indeed very attractive, provoked him to comment that there was no doubt about the nature of her profession.
But Mandy Rice-Davies spoke for many when she remarked that Denning was "quite the nicest judge I ever met".
THE REPORT laid blame squarely on Profumo for lying to his colleagues about the nature of his association with Christine Keeler - though the Prime Minister and his colleagues were criticised for failing to respond adequately to evidence of the minister's adultery.
For all Denning's willingness to confront governments, he remained fiercely patriotic. "There are many things in life more worthwhile than money," he told the Appeal Court in 1968 (though he himself was inclined to be tight with the cash). "One is to be brought up in this our England which is still the envy of less happier lands."
To the students of Lincoln's Inn, Denning quoted with gusto Lord Chief Justice Mansfield's peroration on the freeing of slaves: "The air of England has long been too pure for a slave and every man is free who breathes it. Every man who comes to England is entitled to the protection of English law whatever the colour of his skin . . . Let the Negro be discharged."
Towards the end of his life, though, Denning's nationalism could lead him into egregious error. In 1977, when the Birmingham Six applied to Denning for legal aid in an action against the police for injuries received while in custody, their request was summarily refused.
If the Six were to win, Denning explained with breathtaking aplomb, that would imply that the police had been guilty of perjury and violence. The Six might have to be pardoned, - a prospect which, the Master of the Rolls opined, no sensible person could entertain.
Some of the obiter dicta in Denning's books also gave cause for doubting his impartiality. In What Next In The Law (1982), he seemed to imply that some immigrants were not suitable to serve on juries as they did not have the same standard of conduct as English whites.
He further suggested that, in the trials following the Bristol riots of 1980, there had been attempts to pack the jury with coloured people in order to secure favourable verdicts.
Inevitably, there was an outcry, and Denning, then 83, realised that he had finally come to the end of the line. It was a sad denouement for a man with friends of all races and colours, who had done so much to promote legal education throughout the Commonwealth.
Private Eye summed up the situation with a cartoon which showed two barristers reading the headline "Denning To Retire". "I expect," observed one to the other, "the House of Lords will overrule his decision".
Alfred Thompson Denning was born at Whitchurch, Hampshire, on January 23 1899, the fourth of five sons of Charles Denning, a draper, and his wife Clara.
The Dennings claimed an illustrious past. A direct ancestor, Sir Sydenham Poyntz, commanded the Parliamentary forces at the battle of Rowton Heath in the Civil War, and later became Governor of Antigua; his brother Newdigate Poyntz fought for the King.
Around 1720, Sir Sydenham's grand-daughter eloped with a Richard Denning. In 1806 the Poyntz Dennings had their coat of arms registered at the College of Arms, but next year the family estates disappeared into the Court of Chancery, never to re-emerge.
Lord Denning's great-grandfather and grandfather were organists in Gloucestershire. His father, Charles Denning, was born at Leckhampton, although his apprenticeship took him to Lincoln, where he became engaged to Clara Thompson, a schoolmistress and daughter of a coal merchant.
It was very much a match of opposites: Charles, a humorous, easy-going man, with a penchant for poetry; Clara, a keen business woman with a backbone of steel, who intended her sons to be successes.
Though the family never lived in straitened circumstances - at times there was a maid - and pleasure was not entirely eschewed, the virtues of application and endeavour were soundly inculcated, with impressive results.
The second son, Reg, became a lieutenant-general, and the youngest, Norman, a vice-admiral and Chief of Naval Intelligence. The eldest, Jack, was killed in 1916, leading his men into action at Geuedecourt; the third boy, Gordon, a midshipman at Jutland, died of tuberculosis contracted during his naval service. "They were the best of us," Denning would say of his dead brothers.
Young Tom was considered by his mother to be the weakest of the brood. Nevertheless, after being educated at the local Whitchurch elementary school and at the grammar school in Andover, he served on the Western Front.
In the spring of 1918 he joined the 151st Field Company of the Royal Engineers, which was building bridges across the River Ancre under heavy fire. Denning escaped without injury, though he spent Armistice Day in hospital with the exceptionally fierce influenza that took even greater toll than the war.
HE RETURNED to take a First in mathematics at Magdalen College, Oxford, notwithstanding his diffidence about being a grammar school boy in a rich man's college.
For a brief time afterwards he taught at Winchester, where, so legend has it, he had difficulty in keeping order.
"I feel that I don't want to settle down here doing the same thing day after day, a very mediocre schoolmaster with no ambition or hope," he wrote to his future wife.
In 1921, therefore, he returned to Magdalen and next year gained another First, this time in Law. It was achieved despite a gamma in Jurisprudence - "too abstract a subject for my liking" - and a tutor whom he described as "the most ignorant man I ever met".
In the autumn of 1923 Denning joined the distinguished list of those who have failed the All Souls prize fellowship exam. But in June of that year he had been called to the Bar by Lincoln's Inn, after coming top in the Bar exams.
The essential qualities for success at the Bar, Denning believed, were good sense and a pleasing manner. He was well blessed with both of them.
He practised on the Western Circuit and in London, and dedicated "much research" to helping Sir Thomas Willes Chitty edit the 13th edition of Smith's Leading Cases on the Common Law. This task, he later claimed, "taught me most of the law I ever knew"; and even as a tyro Denning did not hesitate, in his glosses on the cases, to suggest new principles of law.
His practice was broad and grew steadily, until in 1938, when he was earning more than pounds 3,000 a year, he felt secure enough to take Silk. Though his salary did not actually decrease with his elevation, as often happens, he never commanded colossal fees.
On the outbreak of the Second World War, Denning immediately volunteered for service, but was rejected as too old. So he continued to practice law until December 1943, when he made his debut on the Bench as a Commissioner of Assize in Manchester for three weeks, replacing a judge taken ill. Then in March 1944 Lord Simon appointed him a High Court Judge in the Probate, Divorce and Admiralty Division.
"Thank goodness I only did Divorce for 18 months," Denning later reflected; he found the work "sordid in the extreme". Firmly committed himself to family life, he naturally tended to look askance at whatever threatened it.
He pronounced an unmarried woman who had been found with a man in her room at a teacher training college to be "quite unsuitable" for teaching. In another case he deemed it "a shocking thing" that a man had had himself sterilised.
Denning held that a divorced person should not be made a divorce judge. His own service in this role ended in October 1945 when Lord Chancellor Jowitt, under whom he had often served as a junior, transferred him to the King's Bench Division. But Denning had not altogether finished with divorce: in June 1946 Jowitt appointed him to chair the Committee on Procedure in Matrimonial Causes.
"No committee has ever worked so quickly or so well," the chairman recorded. It made three main recommendations, all of which were accepted, notably that the period between decree nisi and decree absolute should be reduced from six months to six weeks.
Throughout his career Denning worked determinedly to improve the position of the deserted wife, seeking to establish her equity in the matrimonial home. His efforts were invariably overruled, and he received some irate letters.
"You are a disgrace to all mankind," wrote one outraged husband, "to let these women break up homes and expect us chaps to keep them while they rob us of what we have worked for. I only hope you have the same trouble as us." Denning's views, however, were eventually enshrined in the Matrimonial Causes Act of 1967.
As an Assize judge he found himself obliged on occasion to sentence men to death; it was only later in his life that he concluded that capital punishment was morally wrong. And in the case of a youth who had hit an old woman over the head in order to steal pounds 20, he did not hesitate to order 25 strokes of the birch.
In civil cases Denning immediately showed an extraordinary resourcefulness in manipulating the law to the end which he desired. In Central London Property Trust v High Trees House Ltd (1947), he overruled the established Common Law tradition that variations in a lease must be made by deed, in favour of the principle that that a mere promise to vary should be kept when another party had relied upon it to his detriment.
Promotion continued to come swiftly: in October 1948, after only four and a half years as a trial judge, Denning was elevated to the Court of Appeal. In 1957 he was made a Lord of Appeal in Ordinary, with the usual life peerage attached to that office. But five years later, he moved back to the Court of Appeal as Master of the Rolls.
The appointment reflected tensions of a personal and professional nature. Denning did not enjoy his time in the House of Lords: "To most lawyers on the Bench," he remarked, "the House of Lords is like heaven - you want to get there some day - but not while there is any life in you."
Some of his colleagues in the House of Lords looked askance at his maverick zeal. Denning declared in his autobiography that he was accused of "heresy" by Lord Chancellor Simonds, and "verbally beheaded". It was probably a relief to all when, in 1962, he took Sir Raymond Evershed's place as Master of the Rolls.
This official still retains vestigial traces of his ancient function as keeper of the rolls, being head of the Public Record Office, and chairman of both the Advisory Committee on Public Records and the Royal Commission on Historical Manuscripts. Denning, who was deeply interested in the history of the English law, took these duties extremely seriously.
In 1965 he played a leading part in the 750th celebrations of the Magna Carta, both at the Law Courts and at Runnymede.
Denning became a Bencher of Lincoln's Inn in 1944 and was Treasurer in 1972. He was also the principal founder of the British Institute of Comparative and International Law (which absorbed the Grotius Society).
He was appointed to the Order of Merit in November 1997.
In 1963, when a large house called The Lawn came up for sale at Whitchurch, Denning seized the opportunity to move from his home at Cuckfield, West Sussex, and return to his birthplace.
He fought hard to preserve the character of Whitchurch, taking a dispute with Hampshire County Council over two footpaths into a magistrates' court when he was 88. His claim was dismissed, but he had the satisfaction of seeing his opponents made responsible for repair and maintenance.
Readers of The Daily Telegraph's correspondence column were regularly treated to doses of Denning's common sense.
An interview with the Spectator in August 1990, however, proved less happy. The Guildford Four had just been released from jail after 15 years on grounds that their original conviction had been unjust. Denning, however, refused to be grateful that the death sentence had not been applied. "They'd probably have hanged the right men," he considered. "Not proved against them, that's all."
Denning was blessed with two exceptionally happy marriages. He married first, in 1932, his childhood sweetheart Mary Harvey, whose father had been Vicar of Whitchurch - though she only agreed to have him after years of unsuccessful sighing. They had a son, but her health was never good, and she died in 1941.
Lord Denning married secondly, in 1945, Joan Stuart, a widow with two daughters and a son. She died in 1992.


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CHENNAI: A young engineer in Chennai was burnt alive last night allegedly by a former classmate who had been stalking her for about a month. S Induja, was set on fire at the doorstep of her home in the city's Adambakkam area.
The man, a science graduate, has been arrested.Induja's mother Renuka and younger sister Nivedita, who tried to save her, are in hospital. Her mother suffered 49 per cent burns and her sister is in the ICU. The man had allegedly been harassing Induja for the past month.
The police say while Induja's family says she had rebuffed him, he has claimed that he was in a relationship with Induja and they had plans to marry.Last night, around 8:45 pm, the man went to Induja's home and demanded to speak to her but the family refused to let him in.According to the police, he splashed petrol on Induja and used a lighter to set her on fire.
Induja's father was not at home at the time. Neighbours, hearing cries, rushed to help the family and took them to the hospital.Some neighbours claim the ambulance arrived 40 minutes later.
This is the third such incident in the last four years. A few years ago, a young woman was killed at her work place when she was attacked with acid by a man she had turned down. Another young woman techie was killed in an acid attack by a man she had rejected.


text: Routledge Literature handbooks aim to present new and exciting trends and topics - such as Literature and Human Rights or Environmental Humanities - or to bring a fresh approach to traditional topics - such as The Shakespearean World or Travel Writing. They are all carefully curated with cutting edge research and provide an anchor to a field, offering background and history, alongside the newest approaches and debates. This makes them ideal for people approaching an area for the first time, seeking a comprehensive and up-to-date overview as well as a springboard to further research and study. This subject's full title listing can be downloaded here. As long as there are a minimum of titles available within a subject area then these titles can be purchased within a Subject Collection. New Subject Collections are created annually as new titles are added to the platform.


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Housing Justice Movie Night
The Capitol Hill Renter Initiative is excited to be partnering with Latino LGBTQ nonprofit Entre Hermanos for a Housing Justice Movie Night to raise awareness for diverse affordable housing options in Seattle. The team is also proud to have a growing list of co-sponsors signed on including Futurewise, CASA Latina, Three Dollar Bill Cinema, LGBTQ Allyship, and Sierra Club Washington State Chapter! Representatives from each of these organizations will be in attendance to share what they are working on and how renters can get involved.
This movie night will feature the 2006 award-winning drama Quinceañera. The film's story line centers around a young Latina teenager, growing up in LA's Echo Park neighborhood, who finds herself pregnant and kicked out of her home before her 15th birthday, forcing her to move in with her great grand uncle. She is joined by her cousin who has been kicked out of his house for coming out as gay. Under the roof of a small backyard cottage, they each face their own challenges and find support in one another. Through these personal stories Quinceañera tackles issues of affordability, gentrification, and tenants' rights, all major challenges facing Seattle today.
This event was created in response to the recent decision by the Seattle hearing examiner to indefinitely delay an ordinance that would make it easier for homeowners to build backyard cottages (legally called Detached Accessory Dwelling Units or DADUs) like the home the main characters share in the movie. The hearing examiner decision came after a legal challenge by the Queen Anne Community Council, a neighborhood group that hired attorneys in order to delay these low cost housing options from coming to their neighborhood.
After the film, representatives from each organization will lead a discussion on the how renters can address the issues highlighted in Quinceañera including how to take action on backyard cottages and other housing justice campaigns!
The event will be held on Wednesday, February 8th at 7pm at Northwest Film Forum (1515 12th Ave). There is suggested donation of $3 to help cover costs. However, this is a free event and everyone (ages 18+) are welcome.
"Buy" your free ticket to reserve a seat here: http://www.brownpapertickets.com/e/2834116 or RSVP on the Facebook event page here


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School: Saratoga
Nickname: Panthers
Colors: purple and yellow
Stadium: Robert Hileman Field
State championships: None
Times worth remembering: Starting in 1974 and stretching through 1977, Saratoga put together one of the best stretches in history. Over those four seasons, the Panthers went 30-4, posting 14 shutouts. Saratoga didn't give up more than 20 points in any of those 34 games and only 10 opponents cracked double digits on the scoreboard. The Panthers' four losses were by a combined 18 points.
Times worth forgetting: Four years, one victory: That's the conundrum the Panthers faced from 1966-69. In those four years, the only win the Panthers could manage was a 17-12 victory over Burns in the 1968 season finale — a win that snapped a 26-game losing streak, including a streak of 15 shutout losses in their previous 18 games. But the Panthers couldn't capitalize on that one win and went 0-8-1 in 1969.
Best team: For all the struggles Saratoga went through in the late 1960s, the mid-1970s must have felt like heaven. The best team of that bunch was the one from 1974, in which the Panthers split a mythical state title with Tongue River after an 8-0 season. Saratoga gave up just six points all season and scored 348, one of the most dominating seasons in state history.
Biggest win: Football doesn't often give second chances, but that's exactly what Saratoga had in 1975. After losing to Guernsey-Sunrise 16-12 on Oct. 10, the Panthers' playoff chances rested on another shot against the Vikings just 18 days later. The second time around, the Panthers held top-ranked Guernsey-Sunrise to just 109 total yards and, behind Steve Shaw's two touchdowns, beat the Vikings 20-6. It was Guernsey-Sunrise's only loss of the year and gave Saratoga its first playoff berth. Saratoga went on to beat Upton later that week for its first playoff victory and a berth in the first Class B championship game of the modern era.
Heartbreaker: Although Saratoga has lost its two championship games by a total of seven points, the biggest heartbreakers came in the form of not getting a chance to play for the championship at all. After a Class B runner-up finish in 1975, the Panthers went 7-1 in both 1976 and 1977 but didn't qualify for the playoffs in either season. That's because both times, the Panthers lost to Guernsey-Sunrise for the southeast district's playoff spot — both times by 14-8 scores. Saratoga lost in the regular-season finale in 1976 in Guernsey and in the fourth week of the 1977 season in Saratoga.
School: Saratoga


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This is a demanding route, aimed at experienced walkers. The consortium which manages the nature reserve of Mola de Colldejou and Serra de Llaberia have re-opened several traditional paths and regularly organise guided walks and activities to get to know the area.
This route is sponsored by the rural house L'Era in la Torre de Fontaubella
The municipal district of Capçanes, which belongs to the Priorat region, is located in one of the two areas which are richest in dry-stone constructions in Priorat (the other one is the area of Montsant river and the mountains surrounding it). In the area of Les Taules, situated to the East of the village centre, a wide variety of elements made of dry stone congregate in quite a limited space.
The route starts in Capçanes (Comarca del Priorat) and will take you from the cool valleys to the peaks of Serra de Llaberia, where you will enjoy splendid views over a vast land, following the path of the guerilla fighter Carrasclet and other ancestral paths.
pel Camí de Massanes, pels Revolts i pel Portell de Llaberia
This route follows for the most part the old pack-horse trail which has linked the two villages for centuries. It is also well-signed by the Montsant Natural Park.
This route will take you to an old way, the cattle track of Les Taules, constructed for the livestock that where driven on their way to the village. The walls that delimited it can still be seen now. You can enjoy spectacular views from here on clear days.
This is a medium-length route, apt for all walkers and is especially known for its spectacular views, high cliffs and medieval paths.
This route is sponsored by the hotel and restaurant La Siuranella in Siurana.
This is a charming shorter route, apt for all walkers and great for children. People say that the olive oil of this corner of the Montsant mountain range, that of La Bisbal, Margalef and Cabacés is of extraordinary quality and finesse.
This route is sponsored by the olive mill Cooperativa del Camp in la Bisbal de Falset
Take a step back in time in this area of Priorat, when the banks of the great Siurana River saw the settling of a people on the peak of the nearby hill. They were probably the first miners of today's county and lived here some three thousand years ago. We suggest you went on a simple stroll to discover this fantastic spot. It is ideal for exploring with children and the walk can be extended if you leave from the village and take the paved farm track which leads to Les Pinyeres hermitage and Siurana River.
The route begins next to the Cooperative building (WP1). As far as the Coll Major it is waymarked as a GR (in red and white paint). Take the Horta path, paved and enclosed between stone walls, leading to the river Cortiella. Cross the river (WP2) and go uphill along the farm track.
The Carthusian monastery of Escaladei is set amidst the extremely beautiful Montsant mountain range with its spectacular craggy outcrops. The monastery's surroundings form part of the Montsant Natural Park and are highly suited for excursions to discover more about our natural and cultural heritage
The dry stone shelters and little terraces tell of the farmers who have left their mark on the region's land.
All along the ancient bridleway running from El Masroig to Falset, walkers can enjoy magnificent examples of these shelters such as the ones known as Barraca del Jaume el Xalet or Barraques del Joan de Cal Quimet, Barraca de Cal Josepó or Barraca del Coll de la Falsetana.
This circular route is an interesting proposal for experienced walkers, although, we also recommend you do it over two days. For those who are looking for a shorter route, the Falset to Gratallops path is a good alternative which takes around 3 hours.
This route is sponsored by the winery Clos Figueras in Gratallops
Experienced walkers can do the full circular route in one day. However, it is also equally enjoyable over two days. We also recommend, for example, that walkers climb up from La Vilella Baixa to La Figuera and return the same way along the pack-horse trail.
This route is sponsored by the restaurant Celler de l'Aspic in Falset and the winery Celler Lo in la Vilella Baixa
This trail takes you through olive and almond groves with wonderful examples of dry stone walls which once were used as part of the traditional farming methods and are now abandoned. There are still parts of the ancient cobbles on this former way.
This route is sponsored by the rural house Cal Porxo in Pradell de la Teixeta
This pleasant route offers many contrasts and is ideal in spring or autumn during the grape harvest.
This route is sponsored by the winery Celler de Capçanes
Easy route which takes us through Torres Priorat vineyards as well as a pictoresque rocky area known as the "Rogerals".
This route is sponsored by the winery Celler Torres en el Lloar
This is a charming route, suitable for children and all walkers. It offers sweeping views over the nearby countryside and an intense feeling of peace and well-being.
This route is sponsored by the winery Buil&Giné in Gratallops
These trails are an invitation to people to walk the villages, which are so close to the county of Ribera d'Ebre. Here, the Siurana River is on its way to join the larger, Ebre River, where vineyards and olive groves have shared the stage with lead mines and galena for centuries.
This is a very easy route, apt for all walkers and ideal for children. It takes us to one of the most emblematic and fascinating corners of the Montsant mountain range and Priorat region.
This route is sponsored by the inn and restaurant Fonda Toldrà in Ulldemolins
A trail along the south side of the Serra de Montsant, recommended for those who want to contemplate the countryside and take spectacular photographs.
From the valley floor to the highest ridges, this trail invites you to enjoy the contrasts of the landscape on the north side of Montsant.
A trail in the westernmost area of Montsant, recommended for those who want to enjoy direct contact with nature, drink in the landscape and take spectacular photographs.
A trail on the western slopes of the Serra de Montsant, recommended for those who want to enjoy historical and spiritual heritage in a beautiful natural environment.
A trail on the southern slopes of Montsant, recommended for those who want to contemplate nature and take spectacular photographs.
A trail from the slatey environment characteristic of the lower part of El Priorat region to the first limestone cliffs: Els Montalts.
A trail along the southern side of the Serra de Montsant which takes us to the upper part of the limestone cliffs of Els Montalts in order to then complete the circuit with a gentle descent to the Montsant river.
A trail through the western gullies of the Serra de Montsant, those that have been most shaped by human activity in the not too distant past. Recommended for those who want to enjoy historical and cultural heritage within a beautiful natural area.
A circular trail to La Figuera, taking in spectacular views of the Serra de Montsant and a large part of El Priorat. Recommended for those who want to enjoy sweeping panoramic views and take extremely impressive photographs.
A trail on the southern side of the Serra de Montsant, recommended for those who want to enjoy the area's historical and cultural heritage in a beautiful natural setting.
A trail on the easternmost side of the Serra de Montsant, which enables the walker to get to know the different characteristics of the two sides of the mountain range easily in a single trip.
A route on slate hillsides, punctuated with red sandstone and limestone, beneath the cliffs of Els Montalts. This is a hot, dry place in summer, with soils that allow rainfall to drain away quickly and make life very hard for plants.
Flora route: Scrub at Els Rogerets
A route on the sunny hillsides on the lower slopes of the Montsant massif. Beneath the towering cliffs that loom over the stream bed coming down from the Pregona spring, material resulting from erosion has built up.
Route in the area known as Les Obagues, at the foot of the cliffs of the same name that overlooks the whole area where the plain around Ulldemolins meets the Montsant massif.
A route over the flat areas and slopes of the shady side of the shoulder on which the village is perched.


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Just a little blog post as I am away with work in Barcelona, but I wanted to share with you something that has just been announced and is exciting for me. I use a lot of 3 axis gimbal stabilisers, everything from the little phone ones, to ones on my drones, to one-handed ones for smaller cameras. But there is one that stands head and shoulders above them all, and that is the Freefly MōVi. The first one I got was the M10 then the M5, which I have used countless times and has never failed me. I used it on almost all the episodes of The Wonder List, and for me it gives me the most natural looking movement and reliability that I absolutely must have when doing professional shoots. There have always been things I wanted improved, mainly with the design more than the operation, and Freefly have just announced their new top-of-the-line MōVi Pro, which addresses my issues but also improves on the original line in every way.
I haven't tried it out yet but hope to get one soon to see first-hand all the improvements. Nothing I have ever used from Freefly has been anything but excellent, so I don't expect that to change. Yes, they are more expensive than some competitors, but none of those competitors has ever come close to the quality and performance I have gotten from my M5. You can see a few shots from Season 1 of The Wonder List with the Movi (and a few drone shots in there too) below
I have always shouted to the rooftops about how brilliant the Movi ring was and how it changed the operation of it, making it possible to use for many hours, hold low or high and in a place that puts less strain on your back, plus you can also still use it whilst resting it on your knee. The new ring for the pro doubles as the stand, which is a terrific idea.
There is a new battery system (one of my least favourite parts of the old system) faster start-up time and auto tuning mode, better motors, weather sealed, cables are now not visible. There are so many improvements that make this, to me, look like the best 3 axis hand held gimbal out there. As soon as I get one I will share my hands-on experiences. I also am still going to make that budget gimbal comparison vlog asap…there just is too much on right now and not enough hours in the day!
You can see/ read more and order one on the Freefly website here. It isn't cheap, so it clearly isn't for everyone, $6500 for the bundle. It will ship from mid November.
Here are a list of the features: