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Knotty and Nice by Robin Celli
patterns > Winsome Warmth and 1 more...
> Knotty and Nice
- Pattern
© Robin Celli
© Robin Celli
Knotty and Nice
by Robin Celli
This pattern was designed for Delaware Head Huggers. Pattern instructions include information for super bulky, chunky, worsted and sport weight yarn as well as how to adjust the size.
For more information, see: http://knittingwithschnapps.blogspot.com/2014/05/int...
Ravelry download
as part of a collection
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Discussion in 'UFC Discussion' started by Koro_11, Aug 1, 2020.
Cheaper than proper 12.
Shahbazyan has a much higher ceiling than Walker.
I prefer Black label
Walker would murder Edmen
nah edmen is very good just inexperienced, johny walker got koed by a pillow fisted corey anderson
Both got KO'd by wrestlers with notoriously suspect chins....you may be on to something.
Edmen will be ok.
Brunson is just better than some of you idiots think he is.
Walker's officially derailed, Edmen's just under construction.
You fancy paying for my bottles of JW blue label then?
Maybe if he stands on a ladder
He posted the red label too, ouch
Brunson losses in the UFC are to the top guys Rob,Izzy,Jacare twice,Silva (I think Derek got robbed in that fight) and Romero
Edmen is only 22 and i think he will begin to improve as for Walker he is 28 and i think he begins to be washed up and if he lost to Spann at UFC 253 i think he should no longer be in the UFC
Login: uRApr1k
Pass: fUkorf
So he's this, basically?
lol anyone would pay for a crappy product at its price point like jw blue label
Both TKO'd after a ton of punches.
Walker was still standing and Shahbazyan should have never been allowed to get off the stool.
Edmen will prove you doubters wrong.
Except Shabazyan's win over Tavares is worth much more than anything Walker has achieved.
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Separate names with a comma.


text:
I loved the original song. I love U2. It's not as haunting as the original.
And for the original...
Monday, 22 December 2008
U2 I Believe in Father Christmas
Posted by Ishat's Fire and Ice at 12:11:00 pm 2 comments:
Labels: Father Christmas
Christmas Crackhead
He's really funny! Check out his other sketches! It's worth the effort!
Posted by Ishat's Fire and Ice at 11:35:00 am No comments:
Labels: Black Cat in the Hat, Crackhead, David Spates
Subscribe to: Posts (Atom)


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- Morgan Sathel
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Banks get a reality check on risk
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The incredibly low levels of bad and doubtful debts inside Australia's big four banks are testament to their ability to manage financial risk prudently and very profitably.
But while you don't get a return from alerting the authorities about payments flowing to bad actors, or for ensuring your systems and processes don't charge customers for services they never receive, you only need to look at the departures of Westpac chief executive Brian Hartzer and chairman Lindsay Maxsted to understand how the mishandling of these risks can damage you.
This is exactly why Australian Prudential Regulation Authority chairman Wayne Byres, Australian Securities and Investments Commission chairman James Shipton, and before them Commissioner Kenneth Hayne, have been so strong on the need for the banks to lift their focus on the identification, prioritisation and management of non-financial risks.
This message is getting through.
There's no small irony in the fact that the Westpac board and acting chief executive Peter King will work furiously to find a fix for their AUSTRAC issues against the backdrop of a radical shake-up of risk management inside the banks.
While the Westpac scandal will obviously be a trigger for the industry to ask whether it needs to do more on non-financial risk, and do it faster, there does appear to be genuine commitment and real action across the sector.
Chanticleer recently sat down with one of the chief risk officers from the big four. Their story, which is broadly applicable across the sector, starts with the post-royal commission focus on emphasising two crucial and intertwined voices inside its operations, and particularly at the levels of board and senior management. These are the voices of the customer and of risk management.
Whether the voice of risk was ignored inside Westpac was an issue the bank identified in its self-assessment of culture, governance and accountability, published in June.
The report found the finance function, and even the human resources function, could crowd out risk with concerns about budgets and headcounts.
"The legitimate concern in the finance function that the organisation protects itself through strong financial results can crowd out claims for additional spending on risk or compliance issues from what might at the time be less strong voices in risk or compliance," the report said.
A chief risk officer's focus is typically on the first and second lines of defence in the business world's famous three-line risk system: operational staff and management being the first line, the risk function on the second line, and the audit function on the third line.
The global banking sector has seen a change in the philosophy around the three lines since the GFC.
Where once the first line was largely responsible to product and sales, and the second line worried about risk management, regulators and shifting community expectations has seen the first line charged with managing their own risks and being accountable for them.
The second line's key role becomes one of review and challenge. Is the first line managing its risk? If so, how do you know? And if not, what needs to change?
How to buttress this philosophical shift with structural changes is the ongoing challenge in a giant organisation like a bank.
One example of how this is being done concerns the various risk committees or forums that are dotted throughout various parts of our big banks.
Making first-line executives chair these committees, and not risk staff, is one way of emphasising where accountability for risk now sits. The idea is not to push risk's voice to the side, but to emphasise that it is management that has accountability for risk, and this can't be shirked.
Another neat example of the way risk is being emphasised by being separated from the first line comes from the boardroom.
Inside some organisations, management papers that went to the board would incorporate the view of the risk function in the same document. Now risk teams present a separate and independent view to the board.
These are indicators of progress, but more work will be needed.
The Westpac example is a stark and terrible reminder that transformation might well be closer to the start than the end, and that a huge catch-up will be required until risk management processes and systems – particularly those around non-financial risk – are where the community needs them to be.
One fascinating question is whether shareholders are prepared to accept the cost of meeting this risk challenge.
Most have been quite happy to see the banks pay out 80 per cent or more of their profits as dividends in the past five years; in Westpac's case at least, there's a valid question as to whether that has resulted in underinvestment.
But shareholders can't have it both ways. The bill eventually comes due.
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Stock Alert: Knowles Corp. Tumbles Almost 17%
(RTTNews) - Shares of Knowles Corp. (KN) are losing almost 17 percent in the morning trade on Wednesday, to $17.02, after the company reported a fall in profit for the fourth quarter on Tuesday. The stock has been trading in a range of $15.39 to $22.79 in the past 52 weeks.
Illinois-based Knowles is a manufacturer of micro-acoustic, audio processing, and precision device solutions.
Tuesday, Knowles reported fourth-quarter net earnings of $20.5 million or $0.22 per share, down sharply from $79.6 million or $0.87 per share in the year-ago period. Excluding items, adjusted earnings for the quarter were $0.35 per share, compared to $0.37 per share in the same period last year.
However, revenues for the quarter rose 5 percent to $233.9 million from $223.8 million in the prior-year quarter. For the first quarter, Knowles projects adjusted earnings in a range of $0.08 to $0.16 per share and revenues in a range of $160 million to $190 million.
Knowles NewsMORE
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Drunken Duel
Drunken Duel
- Player 1:
- Up shooting
- Player 2:
- W shooting
Drunken Duel is a perception game for one or two players. The rules of the game are really simple, first you choose the number of players, so you can play against the bot or against your friend on the same PC. Each game is divided into 5 matches and the goal will be to reduce your opponents' lives to zero. Therefore, try to shoot mainly in the head to take away as much of his life as possible. The next match is a life reset. The winner is the first person to win 5 wins. You can also play on mobile, so let's get to it.