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Ethical Standards in the Use of Technology
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Prepare a paper discussing how companies use technology to help set and manage ethical standards and guidelines. How can this shape the type of work environment or culture a company promotes? Additionally, discuss how using technology to perform human resources functions affects company culture.
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Ethics and Technology:
This paper will discuss the way companies use technology in an attempt to set and manage ethical standards and guidelines. It also attempts to show how these ethics or guidelines can help shape the work environment of a company and how the use of technology in performing the employee functions can affect the culture of an organization.
Ethics has been created to play an important role in the different functions in companies. When technology started, ethics has also begun.
The Use of Technology to Help Manage Ethical Standards:
There have been several and various ways that have proven that technology indeed helps set and manage ethical standards and guidelines. Through the computer system, organizations can easily monitor the emails and the sites that have been accessed by the employees during working hours. Telephone conversations can also be monitored through the network administrator. The company can also program its system in such a way that it censors emails with inappropriate language and block sites with inappropriate content to enter the system. For telephone conversations that are monitored, an employee can be reprimanded if caught using inappropriate language and the call be disconnected. Blocking some or all internet sites outside the company use can help ensure productivity.
Technology can also manage the ethics of its personal information. The computer system stores lots of information within the corporation and if this information leaks to the wrong hands, it is a big risk for the company. Therefore, companies use software and program to protect and safeguard their systems so that confidential information is thoroughly guarded. A few of these programs and rules are firewalls, password protection and other specific security policies.
With the help of technology, ethical standards and guidelines are well promoted and presented to the employees as well as supervision by managemenet becomes a regular basis. The reason for this is that tehcnology has been providing management with the tools that they need to effectively do their job which includes managing the ethical standards of the company. With the use of technology, any communication and productivity is monitored so that compliance is ensured. Technology promotes these ethical standards by posting them on the Internet and in ...
Solution Summary
1,473 words; 3 references; the use of technology in the management of ethical standards of a company


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Add a locking glove box to your LX or Sport! Our kit includes a replacement glove box in your choice of Black, Gray or Ivory, a lock cylinder and two keys. If you would like to be able to use your current keys you can have the lock tumbled to match at your dealer.
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Vietnamese blogger Dieu Cay released!
Nguyen Van Hai, better known by his pen name Dieu Cay ("peasant's pipe"), was released from prison, having served four years of a 12-year prison sentence.
His reportedly deteriorating health and the harsh prison conditions in Vietnam makes his release even more welcome.
Immediately after his release he was taken to the airport and put on a plane, bound for the USA. Nguyen Van Hai's sudden release shows how the passion and persistence of Amnesty International members can help in the struggle for human rights in Vietnam.
He was jailed for writing an online blog that called for an end to injustice and corruption in Vietnam. Amnesty International declared him a prisoner of conscience and campaigned tirelessly for four years demanding his release.
Thank you to Amnesty supporters who took action on his case and helped us win his freedom!


text: You can send any news, interview, article or some information. You can attach images or other file (music, video, etc. – only in the ZIP). Always write the source of information. If you want to send photos from the concert, promotional photography or other like this, use the form here. Thank you!


text: Ankara has been under intense domestic pressureto act against PKK fighters [AFP] "An intense intervention was made on the group and it was detected that the terrorist group had suffered heavy casualties." Special forces A Turkish military official told Reuters news agency that around 100 special forces were also sent into northern Iraq. However, a senior leader of the PKK in Iraq, near Turkey's border, denied that the Turkish army had attacked its fighters. Your Views "I think it is pretty difficult to say troops shouldn't [invade] when the Turkish soldiers are being killed, and their villages attacked" Celtic, Karlstad, Sweden Send us your views"Our area is quiet. Nothing has happened. There are no air strikes nor any artillery shells," the official told AFP news agency. In the Iraqi Kurdish city of Arbil, Fuad Hussein, chief of staff for Massud Barzani, president of Iraq's Kurdish region, did not categorically confirm the strikes but said "it could be artillery shelling." He said a ground assault by Turkish forces was unexpected given the "prevailing weather conditions." At the political level, thousands of people on Saturday turned out to stage an anti-war rally in a Turkish town close to the Iraqi border. Demonstrators chanted support for the PKK, and police responded by opening fire and arresting more than a dozen people. Authorisation Interviewed on Sunday, Cengiz Aktar, a Turkish political analyst, told Al Jazeera: "Apparently these are routine operations. Surgical pinpointed operations that will take place in the course of the next 11 months that the Turkish army was granted by the civilian parliament [to do so]. "That was cleared ... during the meeting between Prime Minister Erdogan and President Bush on November 5. "We don't expect a big operation, but we might have limited operations. "This one looks more like a PR [public relations] excercise, because the US military even denied it took place. "The Americans would hate the idea of seeing another type of chaos in Iraq ... As for today, we don't see any opportunity for the Turkish army for a major and massive land operation." Raids authorised The army operation came a day after Recep Tayyip Erdogan, the Turkish prime minister, said his cabinet had authorised the armed forces to conduct a cross-border operation against PKK fighters in northern Iraq. Ankara had been under intense domestic pressure to act against the PKK. Profiles Kurdistan Workers' Party Turkey has amassed up to 100,000 troops near the mountainous border, backed up by tanks, artillery and warplanes, for a possible strike into mainly Kurdish northern Iraq against PKK fighters. Ankara has made many threats of military action but, under heavy US pressure, has so far shown restraint. Washington fears a large-scale operation could destabilise the most stable part of Iraq and possibly the wider region. Turkey's parliament approved a resolution on October 17 giving the government the legal basis to order cross-border military operations if and when it deemed them necessary. SOURCE: Al Jazeera and agencies


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Years after their final break-up and the inauguration of their new band Female Troubles, here is the first long-playing release from one of the craziest Italian punk rock bands ever: The Sbirros! Raised with Misfits, Ramones, B-movies and tons of rock'n'roll, Sheena, Mass, Nitro and Igor Mortis released a few demos and singles before the end of their brief adventure (one of these records, the legendary 45 split with Anna & The Psychomen, was sponsored by Lloyd Kaufman, founder and president of the legendary independent film production and distribution company Troma Entertainment). We have just put all these tracks together, added two previously unreleased ones and packed this amazing anthology, which is going to become a must-have for all of you rock'n'roll junkies out there! Enjoy these immortal tunes and spread the word: The Sbirros may be dead.. but they still kick ass!
Torre Del Greco, IT
[click on the cover for FREE DOWNLOAD]Punk Rock
Torre Del Greco, IT
TRACKLIST: Fashion Party Punk/I Married A Monster From Outer Space/Teenage Vampire/The Toxic Avenger/F.B.I. (What Do You Hide?)/Funny Girl/I Luv Ronald McDonald/Much More TV/I Was A Teenage Mutant Rocker/Doctor Zombie (Goes To Mexico)/Sheena Is A Punk Rocker (By Now)
Special thanx to Gianluca "Hox Vox" Missero for the cover art.


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Vanessa Hall
Vanessa's life is a story of trust and betrayal. Despite ongoing challenges and setbacks in elevating trust as the key to relationships and interactions in business, family and community, Vanessa has proven time and time again her resilience and determination to playing a role in transformation through trust. She describes herself not as an expert but as a fellow traveler, constantly learning, observing and exploring trust and its betrayal on every level.
Triggered by an epiphany from her son, Lachlan, a long career in Compliance and Risk Management in Financial Services, studied in both Business and Theology, Vanessa has now traveled the world for the past decade seeing, hearing and experiencing trust and its abuse whilst delivering her powerful message of trust and truth. Vanessa has a unique ability to engage world and business leaders at the highest levels, and grassroots communities and the most vulnerable in society with the same message – that trust is a dichotomy, it is both fragile and powerful, and in understanding that we must trust truth, humanity has access to the secret that is hidden in plain sight, the key to unlock both the peace and the power we seek.
She lives in Melbourne, Australia, is originally from Sydney, Australia,
and considers herself a global citizen.
Read, Watch, Listen
Comfort or Growth: Can we have both?
What is our obsession with being comfortable and having comforts?
The Truth about Trust in Business
How to Enrich the Bottom Line, Improve Retention, and Build Valuable Relationships for Success.
by Vanessa Hall
Book Series for Children
Vanessa Hall has dedicated the past 12 years to learning, teaching, talking and writing about trust. It was an epiphany from a Mother's Day card from her son, Lachlan, who was turning 10, that triggered her desire to go on the journey of exploring trust and trustworthiness when he told her that she 'sometimes keeps her promises'. So many adults have told Vanessa over the years: 'If only I knew when I was younger what you just taught me today, I would not have made the mistakes I have made through my life.' Now coming full circle, Vanessa started developing ways to reach the next generation with the same concepts of trust, and Kelly was born from that.
Strengthen your Resolve. Fuel your Passion. Release your Potential.
It's Time to Trust and Transform.
Listen to an audio
Engage Vanessa
Equipping you for Trust
Closing the Congruency Gap
Advising your Board or
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Our Friends
Vanessa has impacted people from multiple industries and across the globe from organisations such as these
Vanessa's Impact
This has changed my way of thinking, and this has great potential for my family, my society, my country.
Soro- Tanzania
I am touched by the process of trust, simple but profound. Thank you for what you have done to my life, Vanessa.
Francis- Nigeria
It was like a light was turned on in a darkened room.
Rob- South Africa
We saw a significant improvement in our bottom line, our staff retention, and the cooperation between teams as a result of Vanessa's trust building programs.
Alison- Sydney
This has been one of the most profound and important seminars I have ever attended.
Gordon- London
Thank you, Vanessa, for opening my eyes to the real world
Sarah- South Africa
Learning ENPs has helped learn to trust again. It was an enormous A-HA moment for me!
ANN- Sydney
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Join the Trust and Transform Tribe


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Robin Chiesa @ Llano Fine Art Gallery
You'll learn to garnish and create a hat style just to your liking! All flowers brooches pins baubles and ribbons new and vintage INCLUDED!!! Hats avail from $5 straw, felt vintage and more. This is a time to get a head I mean your head ready for the holidays. You'll be fabulous in Your creation!!!
Price is $50 per person
Feel free to bring snacks drinks wine or more! Treats will be available as well.
FOR MORE INFO CALL THE GUILD OR ROBIN AT 3252474963. OR 3254296404. SEE YOU THERE. limited space available. Call now
Llano, TX 78643
United States


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President Paula-Mae Weekes has added her voice to the tributes being paid to actor, director and producer Raymond Choo Kong.
In a statement issued on Tuesday, President Weekes said her heart was heavy to learn of the actor's death.
The president said Choo Kong was a master of his field.
"Raymond Choo Kong was a born entertainer whose wit and humorous commentaries charmed generations of Trinbagonians. A gifted comedian and seasoned thespian, his exceptional talent transformed the local theatre landscape, setting the bar of his craft quite high," she said.
The president added that Choo Kong was a tireless teacher who generously imparted his knowledge to his students and fellow performers.
She said that as the nation reels from the news and the manner of his passing, she hoped that his work will be forever cherished and etched into the fabric of the nation's cultural heritage.


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Dweebutante Ball
This Sunday night is the Dweebutante Ball! Chicago Game Lovers (who are also on Facebook and Twitter) are celebrating their 10th anniversary, with a garden of gamely delights, and they're donating the proceeds to Chicago Loot Drop! The folks of Cantina Forward have put together a great lineup of events to celebrate a decade of what has become a mainstay of the Chicago gaming scene. Not only will there be scheduled and open gaming of both the board and video varieties from noon onward, but there will also be food, beer, costumes, belly dancing, a graphic novel reading, podcasting, and improv! The fun lasts from noon until midnight at The Public House Theatre, 3914 N Clark St, Chicago. So grab your tickets, call your mom to say "Happy Mothers' Day!" and head on over!


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Tim Burton fans in the Toronto area have cause to celebrate and rejoice. TIFF Bell Lightbox will be offering a major exhibition and retrospective on the director's work. The exhibition will hundreds of pieces of Burton's artwork going back as far to work he did as a teenager. There will be more than 700 items including paintings, drawings, puppets, costumes, storyboards, and maquettes from Burton's personal vault, studio archives, and private collections. There will also be an "extensive film retrospective spanning Burton's 27-year career, including his early shorts and a related series of films that influenced, inspired and intrigued him as a filmmaker, will run parallel to the exhibition."
Hit the jump to check out the full press release. The exhibition will run from November 26, 2010 until April 17, 2011. Tickets go on sale October 26th.
Hundreds of artworks and Burton's cinematic oeuvre on screen offer a unique look inside the mind of one of the most influential artists of our time
Toronto – Noah Cowan, Artistic Director, TIFF Bell Lightbox today unveiled Toronto dates and special programmes for Tim Burton, the blockbuster exhibition organized by The Museum of Modern Art, New York. This major exhibition explores Burton's creative vision and his artistic development from early significant drawings he made as a teenager to sophisticated renderings used to create effects for his most treasured recent films. Delving deep into Burton's visual imagination, the exhibition brings together more than 700 items including paintings, drawings, puppets, costumes, storyboards and maquettes drawn from Burton's personal vault, studio archives and private collections. The exhibition also includes seven new sculptural commissions created for The Museum of Modern Art and one new display-window commissioned specifically for TIFF Bell Lightbox. Tim Burton will open on November 26, 2010 and run until April 17, 2011.
Exhibition tickets go on sale on October 26.
"We are absolutely delighted to bring this extraordinary exhibition to Canada," said Piers Handling, CEO and Director, TIFF. "This is the first MoMA show to come to Toronto in over 20 years and we look forward to continued partnership with them as well as cultural organizations around the world to present such exciting world-class exhibitions in Canada."
"Tim Burton's visual style is unquestionably unique, loved by millions of fans and has been highly influential in multiple creative spheres. When we first heard of the show, we were convinced it was the perfect marriage of film and the visual arts and the perfect way to bring new audiences into our major exhibitions space," said Noah Cowan, Artistic Director, TIFF Bell Lightbox. "TIFF Bell Lightbox will offer even more, supplementing this incredible exhibition with a significant companion film programme and innovative family activities offering audiences a unique opportunity to connect with Burton's creative process."
An extensive film retrospective spanning Burton's 27-year career, including his early shorts and a related series of films that influenced, inspired and intrigued him as a filmmaker, will run parallel to the exhibition. A week-long run of Burton's most iconic film, Edward Scissorhands, will open the retrospective, followed by a holiday engagement of The Nightmare Before Christmas. The "Burton Blitz" is a unique experience for Toronto audiences: Burton's films will screen consecutively in a back-to-back marathon over the course of the show's opening weekend. Also included in the retrospective are 16 double bills, pairing Burton's films as both director and producer with their influences. The film programme is curated by Jesse Wente, Head of Film Programmes, TIFF Bell Lightbox.
Special programming will include multiple weekend drop-in and registered workshops for families and youth and in-person events. Both the film programme and the exhibition will offer audiences of all ages a chance to see the influences that helped shape one of the most important creative forces in modern cinema.
Burton will also contribute a major original commission to the exhibition, transforming the King Street windows of TIFF Bell Lightbox into a seasonally-changing window display beginning with a Christmas theme.
Tim Burton will be at TIFF Bell Lightbox in Toronto for a number of special events to be announced at a later date.
Tim Burton has been completely redesigned for TIFF by Barr Gilmore and Michel Arcand. Focusing on Burton's film career, it will transform the gallery spaces of TIFF Bell Lightbox into a magical journey through the creative vision behind films such as Beetlejuice, Batman, Edward Scissorhands, Charlie and the Chocolate Factory, and Sweeney Todd: The Demon Barber of Fleet Street with side chambers to explore the forces that shaped Burton's creative mind.
Also featured are Burton's student and early non-professional films; his long-unseen television adaptation Hansel and Gretel (1983); examples of his work for the flash animation internet series The World of Stainboy (2000); a selection of the artist's oversized Polaroid prints; graphic art and texts for non-film projects, like The Melancholy Death of Oyster Boy and Other Stories (1997) and Tim Burton's Tragic Toys for Girls and Boys (2003) collectible figure series; and art from a number of early unrealized projects.
Film Programmes
The film retrospective presents Burton's cinematic oeuvre, from Pee-wee's Big Adventure (1985) to Alice in Wonderland (2010). Audiences will have at least two opportunities to see each of the films, and one of the screenings will be double-billed with a film that has influenced, inspired and intrigued Burton as a filmmaker.
Burton Blitz
To celebrate the opening of Tim Burton, Burton's films will screen back-to-back on the weekend of November 26 to 28 in the ultimate endurance test of unadulterated Burton love. From Pee-Wee's Big Adventure (1985) to Alice in Wonderland (2010), follow the evolution of one of the most creative visionaries of modern movies in a single marathon event.
Exclusive Engagements
Starting November 25, 2010, an exclusive engagement of Burton's defining film, Edward Scissorhands (1990) will be presented, followed by a holiday engagement of The Nightmare Before Christmas (1993). Exclusive engagements will run for at least one week.
Double Bills
Burton's 14 feature films as director plus two as producer will have a double bill screening with a film that has influenced, inspired and intrigued him as a filmmaker. All films are directed by Tim Burton unless otherwise noted.
- Alice in Wonderland (2010) followed by Desperate Living (John Waters, 1977)
- The Man Who Laughs (Paul Leni,1928) followed by Batman (1989)
- 20,000 Leagues Under the Sea (Richard Fleischer, 1954) followed by Charlie and the Chocolate Factory (2005)
- Ed Wood (1994) followed by Bride of the Monster (Edward D. Wood Jr., 1955)
- Marty (Delbert Mann, 1955) followed by Edward Scissorhands (1990)
- Gojira (Ishiro Honda, 1954) followed by Mars Attacks! (1996)
- Nosferatu (F.W. Murnau, 1922) followed by The Nightmare Before Christmas (Henry Selick, 1993)
- First Men in the Moon (Nathan Juran, 1964) followed by Planet of the Apes (2001)
- Horror of Dracula (Terence Fisher, 1958) followed by Sleepy Hollow (1999)
- Artists and Models (Frank Tashlin, 1955) followed by Pee-wee's Big Adventure (1985)
- Jason and the Argonauts (Don Chaffey, 1963) followed by James and the Giant Peach (Henry Selick, 1996)
- Repulsion (Roman Polanski, 1965) followed by Batman Returns (1992)
- Theatre of Blood (Douglas Hickox,1973) followed by Sweeney Todd: The Demon Barber of Fleet Street (2007)
- The Lost World (Harry O. Hoyt, 1925) followed by Corpse Bride (with Mike Johnson, 2005)
- The Ghost and Mrs. Muir (Joseph L. Mankiewicz, 1947) followed by Big Fish (2003)
- 8 1/2 (Federico Fellini, 1963) followed by Beetlejuice (1988)
Celebrating the imaginative and creative works of Tim Burton, TIFF will host a wide variety of Burton-themed drop-in and registered workshops. Starting November 27, every Saturday and Sunday from 10 am to 3 pm, parents and children can drop by to participate in the following free activities. Age recommendation: 8 and up
Crafty Characters – Create your own Burton-inspired creatures and characters from quirky parts, pieces and craft supplies.
Animation Station – Design and bring to life a favourite toy or creature through the magic of stop-motion animation.
Be in the Scene – Through the wonder of green screen technology, immerse yourself in the stunning sets of Tim Burton's films.
Registered Workshops – Age recommendation: 12 and up
December 4 and 5
Tall Tales – Work with a professional screenwriter to develop your simple script idea into a magical masterpiece.
December 11 and 12
Micro Set Construction – Learn to build small sets (stop-motion appropriate) in the style of Tim Burton.
December 26 to 30
3 Days to Make a Movie (Live Action) and 3 Days to Make a Movie (Stop-motion) – Participants will work as a team to script, storyboard, set design, prop design, costume/craft, edit and screen a short film in 3 days of fun, fantastical filmmaking.
January 8 and 9
Quirks & Chords – Learn how to enchant a listener by exploring and emulating the musical stylings of Burton's longtime musical
collaborator Danny Elfman.
The exhibition and film retrospective will be accompanied by a new, TIFF-produced version of MoMA's Tim Burton publication that will include a new essay by Jesse Wente, Head of Film Programmes, TIFF Bell Lightbox. Tim Burton traces the evolution of Burton's creative practices, following the current of his visual imagination from his early childhood drawings through his mature work. Essays by MoMA curators Ron Magliozzi and Jenny He consider Burton's career as an artist and filmmaker, shedding new light on his singular aesthetic. Richly illustrated with film stills, drawings, paintings, photographs, maquettes, and graphic work for both his film and non-film projects, the book presents previously unseen works from Burton's personal archive. Tim Burton will be available at TIFF.Shop.
Exhibition Ticket Policy
Gallery occupancy is limited and timed-entry tickets are in effect. Starting October 26, timed-entry tickets for the Tim Burton exhibition will be available online at tiff.net, and at the box office at TIFF Bell Lightbox. Ticket prices are $22.75, includes HST. A timed-entry ticket will guarantee visitors entrance at the chosen time.
Gallery Hours: Tuesday to Saturday – 10 am to 7 pm, Sunday – 10 am to 6 pm, Monday – closed.
TIFF Membership
The opening of TIFF Bell Lightbox has inspired TIFF to create a new membership programme that offers audiences exciting opportunities to experience year-round programming in unique and special ways. TIFF members will enjoy priority access to programming including Tim Burton film programmes, discounts on select screenings, free entry to the exhibitions in the galleries, regular TIFF insider updates, invitations to exclusive members-only events, and more. To learn about all the benefits of being a TIFF member, please visit tiff.net/membership.
Visit tiff.net or call 416-599-TIFF (8433) and 1-888-599-8433 for more information. TIFF Bell Lightbox is located at Reitman Square, 350 King Street West, Toronto, Ontario, Canada.


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PlumeSIM enables training of multiple personnel, allowing instructors to select the parameters for the activation of simulation instruments (including the type of threat, release/delivery of single and multiple sources and a full range of environmental conditions.) Instructors can also record the actions of trainees from a single location.
Innovative system design permits the use of common file format map images and even 'home made' sketches of the proposed training area.
Easy to use menus enable the instructor to quickly set and adjust the source type(s), quantity, and the location and nature of the release source, as well as the desired environmental conditions.
PlumeSIM® allows you to define a plume or hotspot based upon variety of specific substances, CW agents, radionuclides or compounds, and to implement different release characteristics including duration, direction, persistence and deposition. Exercise parameters can be saved for repeating defined scenarios with absolute fidelity.
Using simple gamepad controllers trainees are able to move themselves as icons around an on-screen display of the training area. The virtual plume scenario is activated, and subsequent 'contact' with a simulated agent will result in the appropriate activation of their simulation instruments which are connected to the control base by a short range radio link.
All student 'movement' is recorded in the session and can then be played back for analysis prior to departing for the field training area.
With the students deployed with GPS enabled Player Units to the desired external training area, the instructor can monitor their location on the control base map via a long range radio comms link in real time.
Once again the virtual plume scenario is activated and, providing the student is fielding the correct type of instrument for the nature of the simulated threat, has prepared the instrument properly, and the levels or concentration of simulated agent are sufficient to be recognised by the particular device, then the display of that simulation instrument will indicate the appropriate response to any contact with a simulated source.
Where environmental conditions inhibit the ability to obtain or maintain continuous long range radio communication, the selected scenario is pre-loaded on the Player Unit for timed activation and local broadcast.
A full record of player movement and simulator activity is captured for correcting any equipment use errors at the end of the exercise, enabling you to maximise learning opportunities during debriefing. Exercise results can be forwarded to an independent moderator for response capability assessment and validation of contingency plans.


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Far-Ranging Consequences Of Superstorm Sandy LegislationInsurance Law360
July 2, 2013
By Seth V. Jackson
To view this article in PDF format, please click here.
The damage and dislocation caused by Superstorm Sandy have triggered the recent passage of numerous bills by the New York Legislature. One of the most controversial governmental responses is embodied in two similar bills — one passed by the state Assembly (A07455A) and one still pending in the Senate (S05581) — relating to the prohibition of anti-concurrent causation language contained in insurance policies.
The two bills, if adopted by both the Assembly and Senate, would prevent an insurer from denying an otherwise covered claim if a noncovered or otherwise excluded peril "was a contributing factor in such loss" or the peril "occurred simultaneously with the event or peril that was covered."
In other words, it appears that New York is considering a legislative attempt to write anti-concurrent causation provisions out of property insurance policies. It is worth noting in this regard that while the bills appear to have been prompted by homeowners' claims, the text of the bills is not so limited.
When initially proposed, both the Assembly and Senate bills were identical. The original bills succinctly stated that an insurer could not deny or exclude coverage "for any claim" by applying anti-concurrent causation language. In addition, the proposed laws would "apply to claims made on or after such effective date."
However, the Assembly significantly revised its version of the bill, while the Senate's companion bill, which has not been voted on yet, still contains the same language as the original.
The amended Assembly bill now makes it clear that is applies to policies issued or renewed after the effective date of the bill. Further, the bar against using an anti-concurrent causation provision only appears to relate to a "flood event," rather than the ban against its use with respect to any claims as in the original. Finally, the new Assembly bill also adds a disclosure provision in which an insurer must disclose to its insured the fact that a policy contains an anti-concurrent causation provision.
New York courts have traditionally enforced anti-concurrent causation provisions and have ruled that losses which involve both covered and noncovered perils are excluded when anti-concurrent causation language applies. E.g., Casey v. General Acc. Ins. Co., 178 A.D.2d 1001 (4th Dep't 1991); see also Kula v. State Farm, 212 A.D.2d 16 (4th Dep't 1995). Until the New York Assembly and Senate conference to reconcile the competing bills, the final form of the law remains the subject of debate, and it is unclear what arguments will be made regarding its application.
However, if the Senate's version of the bill is accepted, one issue that may arise is whether the bill can be applied retroactively to either claims or policies that predate the bill's passage. Based on the current text of the Senate bill and existing case law, arguments in favor of retroactive application face an uphill battle in New York.
Under New York law, "It is a fundamental canon of statutory construction that retroactive operation is not favored by courts and statutes will not be given such construction unless the language expressly or by necessary implication requires it." Majewski v. Broadalbin-Perth Cent. Sch. Dist., 696 N.E.2d 978, 980 (N.Y. 1998). An exception to this rule is that "remedial" legislation or statutes governing procedural matters should be applied retroactively. Id.
However, classifying a statute as "remedial" does not automatically overcome the strong presumption of prospectivity since the term may broadly encompass any attempt to "supply some defect or abridge some superfluity in the former law." Id.
Here, both the language of the proposed Senate bill itself and the legislative intent behind that bill indicate that the scope of the bill is forward-looking in nature. Most notably, the Senate bill clearly states, "This act shall take effect immediately and shall apply to claims made on or after such effective date." Thus, by its terms, it would not apply to Sandy claims made before the legislation was enacted.
Further, by replacing the word "claims" with "policies," the Assembly's bill expressly changed this portion of the statute to only apply to policies issued or renewed after the effective date of the bill.
In addition, certain comments made at a Feb. 26, 2013, public hearing held by the New York State Assembly Standing Committee on Insurance regarding insurance coverage issues arising from Sandy point to the future application of anti-concurrent causation legislation. At the outset of this hearing, New York Assemblyman Kevin Cahill noted that the purpose of the hearing was "to deal with future disasters."
During a discussion of the application of anti-concurrent causation clauses to Sandy claims, Benjamin Lawsky, the superintendent of New York's Department of Financial Services, testified, "If they get litigated, it's a little unclear how things will shake out in New York, but it is, I think, for the future, something worth exploring about what we can do preemptively so at the very least people know what they're signing up for when they have such clauses or possibly taking other action."
In responding to whether the Department of Financial Services could "by regulation, eliminate [the anti-concurrent causation clause] from future policies," Lawsky stated, "My guess is we probably could, but let me check and be sure."
However, the text of the proposed Senate bill and its legislative history do not necessarily address the situation of a claim being made for a Superstorm Sandy loss after the bill is passed under a policy, which was in force and effect prior to the bill's effective date.
In these circumstances, a policyholder may argue that the legislation should apply to the claim "made on or after such effective date." (One can also imagine insureds withdrawing existing claims, submitting new claims and seeking the benefit of the statute.) In such a situation, the question becomes whether the statute can be applied retroactively to alter pre-existing contract rights.
New York's highest court, the Court of Appeals, has held that newly enacted statutes or amendments to statutes "are, generally, not to be applied retroactively to policies already in force on the effective date of the statutory amendment." Char-Mo Investors Inc. v. Mkt. Ins. Co., 377 N.E.2d 478, 479 (N.Y. 1978) (amendment to standard fire policy suit limitation period).
In addition, the Court of Appeals refused to retroactively apply certain amendments to labor law statutes because "[t]o reach a contrary result … would serve to impose new conditions upon and impair the obligations of a contract already existing, under which the parties had fully entered into the performance of their work." Deutsch v. Catherwood, 294 N.E.2d 193, 195 (N.Y. 1973).
Some New York courts have even gone so far to hold, "Even express indication that retrospective application is intended cannot effectuate such application if the result be to impair the obligation of contracts." Phillips v. Agway Inc., 389 N.Y.S.2d 977, 979 (Sup. Ct. 1976). The concern regarding the retroactive application of a statute which modifies existing contract rights arises directly from the United States Constitution, which provides, "No State shall ... pass any ... Law impairing the Obligation of Contracts." Article I, §10.
Although prompted by a single storm (Sandy), and apparently prompted by a single (albeit critical) line of coverage (homeowners), the anti-concurrent causation bills have the potential to be far-ranging in their consequences. Both insurers and insureds would be well-advised to stay abreast of the progress of this bill through the legislature and consider carefully both the scope and reach of any legislation which is ultimately passed by the New York Assembly and Senate.
--By Seth Jackson, Zelle Hofmann Voelbel & Mason LLP
Seth Jackson is a senior associate in the firm's Boston office.
The opinions expressed are those of the authors and do not necessarily reflect the views of the firm, its clients, or Portfolio Media Inc., or any of its or their respective affiliates. This article is for general information purposes and is not intended to be and should not be taken as legal advice.


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The main issue when talking about regulation of DEXs is that, in most cases, such exchanges are not controlled by a specific legal entity or individual.
Since DEXs are not required to follow regulations, this results in problems with the determination of those responsible in the event of any violation, difficulties with checking trading activity or identifying possible infringements. For the same reason, some already existing rules applicable to centralized exchanges cannot be applied to decentralized exchanges.
Continue Reading on Coin Telegraph
Fusion Media or anyone involved with Fusion Media will not accept any liability for loss or damage as a result of reliance on the information including data, quotes, charts and buy/sell signals contained within this website. Please be fully informed regarding the risks and costs associated with trading the financial markets, it is one of the riskiest investment forms possible.


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Washington Post features editor punches colleague over 'charticle'
In the incident, which took place directly in front of executive editor Marcus Brauchli's office, features editor Henry Allen lived up to his reputation of being tough on his beat, issuing a smack-down on feature writer Manuel Roig-Franzia. Brauchli rushed to separate the two journalists.
Allen, nearly 70, a Pulitzer Prize-winner, and a retired Marine who served in Vietnam, was reportedly "revolted" by a feature package put together by one of his writers.
The altercation was apparently over a "charticle" -- a peculiar journalistic invention that fuses text with graphics, and is widely disdained by many traditionalist reporters.
According to The Washingtonian'sHarry Jaffe, "the incident began when Style Editor Ned Martel assigned a semi-political story to Monica Hesse and Roig-Franzia. Playing off of an inadvertent disclosure last week that many congressmen are being investigated for ethics violations, Martel asked the two Style writers to compile a list of similar disclosures in the past. They came up with a 'charticle' with a dozen examples, starting with Robert E. Lee's Civil War battle plans for Antietam showing up wrapped around cigars."
Charticle was 'second worst story in 43 years'
Allen apparently did not approve and let his charges know of his dissatisfaction, saying, "This is total crap. It's the second worst story I have seen in Style in 43 years." Hesse was apparently reduced to tears by the verbal barrage.
Meanwhile, Roig-Franzia had walked into the newsroom and wandered over to his colleagues. Hearing Allen berating Hesse, Roig-Franzia reportedly said, "Oh, Henry, don't be such a [expletive]." (For the full quote, click here.)
That's when Allen "lunged" at Roig-Franzia and started throwing punches at the one-time foreign correspondent as the newsroom dissolved into chaos. Brauchli, the executive editor, rushed out of his office and separated the two men like a referee. At least one punch reportedly found its target -- Roig-Franzia's head, according to MediaBistro.
The offending "charticle" can be found here.
Allen mourned journalism's bygone glory
Jaffe, D.C.'s longtime gossip scribe of record, reported that "veteran Style writers said they knew Allen wasn't happy. He had come up in Style's heady days, when writers could wax for a hundred inches on the wonder of plastic lawn furniture or the true meaning of the Vietnam War Memorial. No more. Working part time on contract, Allen seethed over the lost art of long-form journalism."
"We take this incident seriously and will address it appropriately," Brauchli told Politico
Update: Allen has been banned from the newsroom. But it's not that bad: The 68-year-old retired Marine, who bemoaned journalism's decline and the passing of the golden age of news, was already set to retire on Nov. 28 anyway, after he accepted a buyout from the paper. "The last time I threw a punch at anybody was in the spring of 1963 in Parris Island, South Carolina, in Marine Corps recruit training," Allen told the Washington City Paper, which has gone and made a dramatization of the incident.
Correction: The initial headline on this story stated that Allen was 70 years old. The editor is actually 68 years old.


text: INFO FROM SIDC - RWC BELGIUM 2015 Apr 01 13:47UTC No C-class or even B-class flares were reported during in the past 24 hours. Four sunspot groups reported today have rather simple configurations of the photospheric magnetic field. Unless active regions behind the east limb become flare-productive, a C-class flare is unlikely, although still possible. The Earth is currently inside the trailing part of the ICME driving the shock wave that arrived at the Earth yesterday morning. The interplanetary magnetic field inside the ICME reached 18 nT, but due to its predominantly northward direction the geomagnetic conditions remained on the quiet to unsettled level. The ICME speed is low (up to 450 km/s), so we expect quiet geomagnetic conditions in the coming hours. The solar source of the ICME is not clear. Late on April 2 we expect the arrival of a fast flow from a trans-equatorial coronal hole that reached the solar central meridian late on March 30, possibly resulting in a geomagnetic disturbance up to the minor storm level (K = 5).


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About Me
If you're expecting a warm friendly greeting, you are in the wrong place! This is my domain, my realm and your place is at my feet!
An image of Beauty, originally from Europe, I'm here to be served, pampered and pleasured by a privileged few.
A Naturally Dominant Goddess I wield the power to humble little men like you. My style of Domination ranges from playful and sensual to very strict and demanding, depending on my mood. Erotic domination, discipline, fetishes, sadistic and perverted games these are my real passions!
If you are so lucky as to be granted an audience, Firstly, I will delight in controlling you, manipulating you, humiliating you, all for my pleasure, my amusement. Secondly, You will become my personal toy! On the other hand you will learn to do what I want you to, when I want you to and your only purpose will be to please me.
Come with me. Let me take you on a journey beyond your wildest dreams to those places that you have kept in hiding deep in the dark crevasses of your mind.
It's important that you understand that I have a very busy schedule. I don't have time or patience to put up with people trying to waste my time. So if you want to have a session with me you must read and follow my directions carefully. Failure to obey the following requirements will result in my extreme displeasure or banishment from my dungeon, never to serve me again.


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This project will seek to connect the various Turyn lines on Geni. We are a very small clan and we should be able to do it.
We will use -:
- paper-trail
- oral history
- geneological research resources
- DNA testing.
www.familytreedna.com - FTDNA
I will be setting up a "Turyn" group on www.familytreedna.com for sharing our results.
www.ysearch.org - YSEARCH
I understand that some Turyn's may have tested elsewhere. I will be setting up an account with www.ysearch.org Ysearch.org (as soon as I get my DNA results back) and we will work with Turyn's who have results from other websites to upload their data to ysearch.org.
37 or 67 marker yDNA test
If you are considering testing at www.familytreedna.com I recommend that you take the 37 or 67 marker yDNA test.
I have taken the 37 marker test and will post my results here as soon as I have them.
We should also post any other results that various Turyns have.
Thanks for joining!
The City of TURIN
TURIN (It. Torino), city on the Po River, N.W. Italy. Turin was the capital of the duchy of Savoy and later of the kingdom of Sardinia; it is now the capital of Piedmont province. The presence of Jews in Turin was recorded by Bishop Maximus of Turin in the fourth century.
- 360 degree panorama Great Synagogue of Turin - Tempio Grande
- Shroud of Turin
- The Turin Shroud Image
- New tests date the Shroud of Turin to 1CE


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Footrest - Black/White
- Footrest with perforated PU leather & white stitches
- Adjustable by up to 57 degrees
- Comfortable cold foam upholstery
- Base with pivot and rubber absorbers.
10+ In stock
Stock Code: GC-016-NC
Manufacturer: noblechairs
+44 (0)1782 44 44 55
Footrest - Black/White
The exclusive gaming chairs from noblechairs possess a range of ingenious orthopaedic innovations that result in an incredibly comfortable seated experience. Their gaming chairs succeeded in blending premium design with high-quality materials along with superb craftsmanship - but they were missing just one thing. Enter: The noblechairs footrest. This builds on the already excellent comfort of a gaming- or office chair with a footrest that offers a contact area which can be adjusted by up to 57 degrees to match the angle of a recliner. As we have since come to expect from noblechairs, their premium footrests are available in a variety of different material- and colour combinations.
The Features of the noblechairs Footrests at a Glance:
- Breathable PU leather cover with platinum white stitching
- Cold foam upholstery for optimal ventilation
- Incline of footrest is adjustable by up to 57 degrees
- Rubber absorbers protect hard flooring
- Integrated pivot in base
- noblechairs badge
Experience the Ultimate in Comfort with a noblechairs Footrest
noblechairs products are capable of achieving an optimised ergonomic seating position for a wide variety of shapes and sizes, helping to achieve a more dynamic seated experience for owners. This dynamism is what helps the body remain comfortable over long gaming sessions, and this is partially thanks to the improved posture and blood flow the chairs allow. Combining this with an additional footrest builds on the functionality of a traditional office chair and makes it into arguably one of the most comfortable seating experience out there.
Achieving this premium aesthetic and design is no mean feat, and is due in no small part to the reclining mechanism that can be lowered by up to 57 degrees. The integrated pivot allows the footrest to turn on its axis. In combination with the tilt mechanism of noblechairs gaming chairs, users are truly in for a treat.
Note: Due to the design of the footrests, they cannot be used as a seat.
Technical Details:
- Dimensions:
Height (with base): approx. 43.5 cm
Width (widest point): approx. 49 cm
Depth: approx. 39.5 cm
- Incline:
max. 57°
- Materials:
Cold foam (upholstery)
PU leather (cover)
Aluminium / plastic (base)
- Colour:
Black / Platinum White
- Manufacturer's Guarantee:
2 Years
1 Month Comfort Guarantee
We are that confident you'll love your new noblechair, in the unlikely event you aren't 100% happy, Overclockers UK will arrange collection of your chair and offer a full refund*.
*Terms and conditions apply
More links for "Footrest - Black/White"
OcUK TV
Customer review
great combo
this is a great match to my icon in white, the stitching really matches nicely and i like it a lot. i also like the adjustment with the footrest so you can angle it to what suits. i would recommend if you like to sit back and enjoy chilling with your feet up.
Write a review
Awards & Media Coverage
Enos Tech Recommended Award
Those looking to take their noblechair experience to the next level may find some additional comfort when using the footrestAward
Vortez Premium Award
If you already own a noblechair and find yourself wishing you had somewhere to put your feet, splashing out on this footrest won't leave you disappointed, providing you can stomach the initial outlay.Award
eTeknix Editor's Choice Award
noblechairs is a premium gaming chair brand, and the quality of this product goes a long way to justify the retail price.Award


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Residence or long-term visa for investors who buy a Spanish real estate property over 500.000€
In the Official Spanish Gazette (B.O.E.) on 28th September 2013, it has published the Law 14/2013 regarding the support of entrepreneurs and internationalization. Among its most prominent initiatives, we can highlight the measures that give those who invest in real estate property situated in Spain an opportunity to get a residence or long-term stay visa. Grupo Mahersol analyzes the advantages and conditions to benefit from these initiatives when buying a property in Spain. We also offer some abstracts from the law related to this measure. - What can we get? A residence or long-term stay visa. - Who can benefit from this measure? Those who invest in real estate properties in Spain. - What is the minimum amount to invest? 500.000 € per each applicant. - How can we prove the purchase of a real estate property? Presenting the ownership certificates issued by the Property Registry which will be available through Internet after the purchase of the house. - How long will I be able to stay in Spain? As an investor, the residency visa will let you stay in Spain during at least 1 year. However, those who want to extend this period will be able to apply for a residence permit that will be valid on the whole Spanish territory and can be further extended. Initially the permission will be given for 2 years. Those who are interested in its extension will be able to renew the permission in 2 years. - What are the requirements for the visa extension? o The real estate property is to be acquired within 90 days before presenting the visa application. o To have come to Spain at least once during the first year of the residency visa. o At the moment of the renovation the residency visa must be valid or within 90 days since its expiration date. If you want to profit from this government initiative and get more information applying it to your particular case and at the same time to see some more options for investment (houses, villas, chalets, duplex, bungalows, apartments and/or commercial premises) situated in Spain, please contact us.


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21st Century Fox
Athletic. Attractive. Entertaining. And some say...even a little crazy! 21st Century Fox has been bringing her high-flying, exciting style of wrestling to Canadian fans for several years...and they have been enjoying every moment of it! "Foxy", as the fans have come to call her, enjoys what she's doing and it shows every time she steps through the ropes. Is this Canadian wrestler really a little crazy? Yeah. Crazy like a fox!
21st Century Fox's Stats...
- Height: 5' 7"
- Weight: 130
- Hair: Black
- Eyes: Dark Brown
- Hometown: Montreal, Quebec (CAN)
21st Century Fox's Profile...
- How It Started: I used to watch wrestling as a child with my brother and I enjoyed it very much. I got away from it for a while, but then started watching again a few years ago...and really got hooked. I've always been pretty athletic from playing football in high school. And I always wanted to be an entertainer. Wrestling seemed to be a good way to combine the drama of entertaining people with the athleticism that I love so much.
- Gimmick: Crazy...like a Fox!
- Wrestling Style: I can adapt to pretty much any style. Technical, brawling, old school, high flying.
- Gear: I wear anything from pleather pants to skirts to shorts with a halter top usually. All different colours and styles.
- Titles Held: IWA North American Women's Champion; OSPW Women's Champion; PWA Elite Women's Champion.
- Biggest Win: Winning the PWA Elite Women's Championship in a triple threat match against Cheerleader Melissa and Misty Haven.
- Worst Loss: Taking a devestating Vertebreaker from Cheerleader Melissa in a title match.
- Favorite Type of Match: I like straight-up singles matches, intergender matches, tag matches (mixed or not)...pretty much any type of WRESTLING match.
- Favorite Moves/Holds: Tilt-A-Whirl Headscissors; Suicide Dives to the outside; Sidewalk Slam; DDT.
- Finisher: My finisher is usually a variation of a Bulldog or a sit out Rock Bottom, both called the 21st Century Drop.
- Biggest Allies: I pretty much rely on myself. Sometimes I'll ask for help from my brother Reggie. Other than that, I tend to roll alone.
- Most-Hated Enemies: Elmira the Iron Maiden; Misty Haven; Cheerleader Melissa; Melissa Coates.
- Toughest Opponent(s): Elmira the Iron Maiden. Our feud will never end. And Cheerleader Melissa...watch out for her finisher and forearms!
- Career Highlight: My career highlights have been winning the title, of course, and working a show that had over 800 people...complete with pyro, lights, and smoke!
- Favorite Wrestlers: My favorite male pro wrestler is, and will forever be, The Rock! He's got great charisma and entertainment value no matter what people say about his wrestling. My favorite female pros are Lita, Jazz, Victoria, Jackie, Molly and really any other female wrestlers because I learn something from all of them.
- Wrestling Ambition: I love wrestling and I hope to keep doing it for a long time. I would love to travel more, and I hope that I become successful enough to be able to wrestle full time. And, of course, I would LOVE to get to the WWE...which is the ultimate goal.
21st Century Fox's Personal Notes...
I guess you want the boring stuff...hmmm...let's see.....My favorite colour is gray.....I like to chill and I don't like working out, but I guess it needs to be done!.....I have an older brother who is five years my senior.....My favorite meal is steak and potatoes with corn nibblets.....I like to be creative in the ring and out.....My favorite animal is the pig.....Here's a fun fact about me: I can curl my tongue into the shape of a "W".....Some people say I'm weird, but most of those people live in my head and the others are invisible, so they don't count...
Essential 21st Century Fox Links...
- Visit The Fox on MySpace...: www.MySpace.com/CrazyFoxyGirl


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Baked Alaska Recipe - Bruno Albouze - THE REAL DEAL
Baked Alaska Recipe
Serves 8 / 10. Make 3 days ahead.
Recipe for a 9.84x3.34 inch (25x8.5cm) silicone mold; available at www.brunoskitchen.net/brunos-store
1.5 qts (1.6L) vanilla ice cream
14 ounces (400ml) raspbeberry sorbet.
Place vanilla ice cream in the refrigerator for about 2 hours to soften a bit. Line mold with plastic wrap in contact. Fill mold up to the top with vanilla ice cream and freeze for 6 hours or more. Dig out a 1.5 to 2 inch (4 to 5cm) trench going back and forth using an ice cream scoop; freeze a few hours. Fill the channel two-third up with the raspberry sorbet and freeze a couple of hours or until it has hardened. Finish covering the gap with more vanilla ice cream and freeze the log for 24 hours before unmolding or store log for weeks.
Joconde Biscuit (for a 15x21 inch (37.5x52cm) baking tray).
4 ea. (120g) egg whites, room temp
1/2 tsp (1g) cream of tartar or a few drops of lemon juice (It stabilizes the meringue)
1/4 cup (40g) sugar.
Almond Mixture
2 cups (190g) almond meal
2 cups (190g) powdered sugar
0.4 cup (60g) all-purpose flour
4 ea. (200g) whole eggs
2 Tbsp (30g) butter, melted.
In a mixing bowl, beat egg whites and cream of tartare adding sugar gradually. Transfer meringue in a separate bowl. No need to clean the mixing bowl. Beat almond mixture ingredients for 5 min on high speed uisng the whisk attachment. Fold in one-third of the meringue first and add remaining meringue and melted butter. Grease parchment paper and tray generously with cooking spray. Avoid the use of a silicone mat for that particular sponge. Spread Joconde batter evenly using an large off set spatula.
Bake at 450ºF (230ºC) for about 7 min using a convection oven or 10 min in conventional oven. Do not over bake the biscuit joconde sheet or it will lose its flexibility. Let cool to room temp, wrap up and refrigerate for up to a week or store in the freezer for up 3 months.
Special Meringue*
*This is a 3 Michelin star recipe. It combines a classical French style meringue with a beaten egg yolk mixture. Far less sweet than using Italian meringue in addition to offer an incomparabe creamy texture that mingles with the ice cream so well.
Use pasteurised eggs if desired.
4 ea. (120g) egg whites, room temp
1/2 tsp (1g) cream of tartar or a few drops of lemon juice (It stabilizes the meringue)
1/2 cup (100g) sugar.
4 ea. (80g) egg yolks
1 tsp (2g) vanilla extract, powder or paste
0.4 cup (80g) sugar.
Beat room temp egg whites with cream of tartar and one-third of the sugar on high speed. Continue beating until fluffy and smooth adding remaining sugar gradually.
Transfer meringue in a large separate bowl. Do not clean the mixing bowl – beat egg yolks, vanilla and sugar on high speed for 5 minutes uisng the whisk attachment. Combine both mixtures. Coat the frozen ice cream cake and pipe out using a plain or a star pastry tip with dots, rosettes or strips…Once done, place cake in the freezer; again ;)
Blow-torch the cake right before serving or bake it in a 450ºF (230ºC) oven for a few minutes; until golden brown. If desired: heat up some Grand-Marnier, Cognac or old dark rum, ignite it and pour over the baked Alaska or on the plate or tray – Serve immediately – Enjoy!.
Posted on 08/22/2017 at 08:06 PM


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AIFS Financial Policies
Application fee
A non-refundable $95 fee must accompany your application. No application will be processed without it.
Enrollment confirmation deposit
A non-refundable $750 tuition deposit is applied toward fees and is payable upon acceptance. Places cannot be held without this deposit, which is non-refundable under any circumstances once a student has been confirmed.
Payment online
AIFS fees can be paid online by credit card. Access the AIFS website, - www.aifsabroad.com for details.
Balance of fees
Fall semester fees are due June 1 for Barcelona, Berlin, Budapest, Buenos Aires, Hyderabad, London Internship, Perth, São Paulo, Stellenbosch, Suzhou, Viña del Mar Wellington and Wollongong July 1 for all other programs. Spring semester fees are due November 1 for London Internship and Berlin and November 15 for all other programs.
Damage deposit
All students are required to pay a damage deposit of $250 each semester with program fees. The deposit is used, if necessary, to cover costs of damages or other charges incurred in student or family residences or to replace library books not returned. Any unused portion of the deposit will be returned approximately 3 months after the students departure from campus (deductions are not always known before departure). In some countries, utility bills arrive once every three months, which prolongs the time required to determine the refund.
Fees include
- Housing and meals while at the university as described in individual program descriptions
- Comprehensive insurance/assistance package
- Tuition fees, registration fees and examination charges
- Orientation programs as described for specific programs
- Certain field trips, excursions and cultural activities
- Membership in libraries and university student clubs as described for specific programs
- Official transcript
Fees do not include
- Non-refundable application fee ($95) or damage deposit
($250 per semester)
- Housing and meals during breaks and spring vacation*
- Optional AIFS Flight Package (round-trip flights and airport
transfers plus 2-night visit to London for programs in Athens,
Barcelona, Berlin, Budapest, Cannes, Florence, Granada,
Grenoble, Madrid, Limerick, Maynooth, Paris, Prague, Rome,
Salamanca and Salzburg.)
- Textbooks and laboratory fees
- Passport and visa fees (except for St. Petersburg)
- Excess baggage charges
- Personal spending money
- Orientation programs during the second semester for full-year students
- Vacation travel or local transportation (unless noted in program description)
- Beverages with meals
*Dormitories are usually closed during breaks and vacations. Although some campuses allow students to stay at the university, meals are not provided. Most students take advantage of the breaks to travel for additional enrichment and education.
Enrollment for a full year
Students enrolling for a full year (two semesters) at the same campus receive a fee reduction of at least $1,000 towards their second semester fee as indicated in the program chapter. See page 463 for full year fees.
Students who wish to enroll for a full year at 2 different campuses will receive a reduction of $1,000 on the second semester fee. Contact AIFS at 800.727.2437 to find out the exact fee reduction available for your chosen second campus.
Dual campus students
Students who wish to switch from one campus program to another in the second semester are advised to check the visa regulations with the consulate of the second programs country before leaving the U.S. Many consulates may not give Americans a student visa unless they apply for the visa at a consulate in the U.S. and are not allowed (by their government) to issue a student visa more than three months before the start of the semester. As a result, some consulates require American students to return to the U.S. between semesters to obtain a student visa for the second semester (therefore, dual campus student may need to spend the December break in the U.S.).
Extension of stay
If you decide that you would like to stay beyond the time indicated on your original application, you must notify the AIFS Connecticut Office and the Resident Director in writing by November 1. As described above, you will receive an automatic fee reduction of at least $1,000 towards the second semester fee. Contact AIFS at 800.727.2437 to find out the exact fee reduction available.
Early withdrawal for full year students
If you wish to withdraw at the end of the first semester, you must notify the Resident Director and AIFS in writing no later than four weeks before the current term ends. A revised invoice will reflect actual time spent on campus less non-refundable payments. AIFS students may not withdraw from a full-year program and arrange independent study at the same institution.
Procedures for changing status
Change in your status on the same campus may be implemented without extra charge up to one month before the program begins. Students requesting a change of status should write to their AIFS Admissions Officer. Once abroad, all plans must be discussed with the Resident Director well in advance of an impending change. There is no refund to students who leave one campus early or arrive at the other late because of differences in academic calendars. Students wishing to change campuses should be aware of differences in curricula and are responsible for notifying their home institution of any change. Transportation between campuses is the students responsibility.
The right to refunds is limited. All withdrawals must be in writing either by mail to AIFS Study Abroad, Academic Year and Semester Programs, American Institute For Foreign Study, 1 High Ridge Park, Stamford, CT 06905 or by fax to 203.399.5597.
Refunds prior to the start of the program
Using the postmark or fax date of a students withdrawal letter as the official withdrawal date (or next business day if this is a weekend), the following applies:
If a student withdraws
he/she receives
|After final payment deadline and more than 60 days before departure
|All payments minus the non-refundable deposit and application fee of $845 and $1,000 and any flight cancellation charges
|After final payment deadline and 30 to 60 days before departure
|All payments, minus the nonrefundable deposit and application fee of $845 and 50% of the program fee and any flight cancellation charges
|After final payment deadline and less than 30 days before departure
|No refund
A refund policy similar to the above applies to a full-year student who has paid spring fees but wishes to withdraw at the end of the first semester/quarter. The start date for the spring semester is used.
In addition:
- If AIFS cancels a program, participants will be notified within
7 days and a full refund or, at the participants request, credit
toward another program will be made within 14 days of
cancellation. AIFS will not cancel a program less than 10 days
before scheduled departure unless circumstances exist which
make it impossible for it to continue.
- In the unlikely event that the U.S. State Department issues a
travel warning which advises U.S. citizens not to travel to the
program site, AIFS will:
- suspend the program if it has not already started. In this
case students will receive a full refund of all fees paid
minus the non-refundable deposit and application fee of
$845 and $1,000.
- suspend the program and fly students home if the
program is already in operation. Students returning home
early because of a State Department warning will receive
a pro-rata rebate for tuition, board and lodging for the
portion of the program not delivered, less the nonrefundable
deposit and application fee of $845 and costs
incurred flying home early.
- suspend the program if it has not already started. In this case students will receive a full refund of all fees paid minus the non-refundable deposit and application fee of $845 and $1,000.
- If a program undergoes major changes and participants elect in writing to withdraw from the program, a full refund of all payments except the non-refundable deposit and application fee of $845 will be processed within 14 days of the cancellation. Major changes mean significant changes in program dates or destination cities. Minor alterations including reversed itineraries will not result in refunds.
- Students who have selected the flight option and withdraw after tickets are issued will be subject to flight charges and cancellation fees.
Refunds once a program has started
- Students choosing to leave the program early for personal or other
reasons are not entitled to any refund. Completion of academic credit
will be determined on a case by case basis. Students dismissed for
disciplinary reasons receive no refunds of any kind and forfeit all
academic credit.
- There are no refunds for meals, accommodation, cultural activities/ excursions, tuition or transportation missed by students for any other reasons other than those listed above once the program has started.
Financial aid
Financial aid cannot be applied towards deposits, flight fees, or optional excursion fees.
Learn about AIFS Scholarships and Grants
Most forms of federal, state and private financial aid or loans may be applied to AIFS study abroad programs with approval of your home institution. Details are available from your campus financial aid officer or study abroad advisor. If you plan to use your financial aid award to pay AIFS fees, you should apply early to meet aid application deadlines. Rules of eligibility are determined by federal, state and local authorities. The student must pay, by the final payment deadline, the program fee less approved financial aid or loans that will be disbursed after the payment deadline. The student is responsible for ensuring that any outstanding balance is paid by the aid disbursement date. The student is responsible for full payment of fees regardless of any change to expected financial aid and or loan amounts.
Federal awards
NSEP (available for programs in Asia, Africa, the Middle East, Russia, Eastern Europe and Latin America where language is part of the study program - many AIFS programs qualify). Gilman; Pell (federal) grants; SEOG (federal Supplemental Education Opportunity Grants); Federal loansPLUS; Federal Perkins loans; Federal subsidized Stafford loans; Federal unsubsidized Stafford loans.
Other sources may include
State aid (varies from state to state); Merit awards/scholarships from your institution; Merit awards/scholarships from community-based organizations; ROTC scholarships; Rehabilitation educational assistance; AIFS and Diversity Scholarships.
Guaranteed program fees
The program fees for all programs quoted are guaranteed for the fall semester of 2018 and spring semester of 2019 and will not increase due to currency fluctuations; however, optional AIFS Flight Package fees are subject to adjustment resulting from government or airline surcharges (e.g. fuel) imposed subsequent to catalog publication (August 2017). Please see www.aifsabroad.com for updated information on current fees including optional AIFS Flight Package. The AIFS website includes a comprehensive full price listing of all costs including tuition and fees and AIFS Flight Package.
Changes and cancellations
AIFS reserves the right to make cancellations, changes or substitutions in emergencies, changed conditions or in the interest of each student group.


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Databases that are relevant to Science classes.
Organized by content.
Under Gale Power Search -
Open Gale Power Search
In the upper right hand corner, locate the "Tools' drop down menu & select "Change Databases"
The following resources are good for Science class:
- Academic OneFile
- Expanded Academic ASAP
- Gardening, Landscape, & Horticulture Collection
- General OneFile
- General Science Collection
- Nursing and Allied Health Collection
- Physical Therapy and Sports Medicine Collection
Works Cited - NoodleTools helps you prepare a Works Cited according to proper APA and MLA formats.
Updated: 10/22/2014
General reference resource for multiple age groups.
High school reference tool that includes encyclopedia, multimedia, e-book, and primary source databases, fully integrated in a single search.
Reference resources for students reading below grade level because of language or learning difficulties.
Elementary and middle school general reference resource.
This multi-source database provides access to the full text of nursing and allied health journals, plus the wide variety of personal health information sources.
Videos, activities and games covering: science, social studies, english, math, engineering & tech, health, arts and music.
Full-text magazines, academic journals, news articles, primary source documents, images, videos, audio files and links to vetted website
Search newspapers, business journals and health journals.
Contains full text for hundreds of science encyclopedias, reference books, periodicals, and other sources.
Facts and arguments on current events topics and social issues.
Containing resources that present multiple sides of an issue, this database provides rich content that can help students realize and develop persuasive arguments and essays, better understand controversial issues, and develop analytical thinking skills.
An online research tool to track your sources, take notes, create outlines, collaborate with classmates, and format and print your bibliography.


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by Denise Caruso ~ December 13, 2006.
Permalink | Filed under: Hybrid Vigor.
Over the past 3.75 years that Intervention was taking its sweet time making its way into the world, I (benignly) neglected the HVNEWS list. In the interim, many of Hybrid Vigor's advisors and cohorts started, completed, or sometimes (damn their eyes) started and completed several notable projects that dovetail with Hybrid Vigor's programs and goals. Here are the headlines:
• Diana Rhoten, Hybrid Vigor's co-founder, Hybrid Vigor Fellow and soon to be an author on this blog, is now director of the Knowledge Institutions program at the Social Science Research Council in New York. In September 2006, Nature devoted three pages to covering an experiment that was part of Rhoten's NSF-funded study of interdisciplinary graduate education. Organized by Rhoten and co-investigator Ed Hackett of Arizona State University, Nature's coverage of the experiment — a meeting in Utah called the Snowbird Charrette — asked, "Interdisciplinary research is the new buzzword, but does a grounding in different disciplines make you better at solving problems?" A terrific discussion of Snowbird by some of the social scientists who formally observed the charrette is at Critical Lucidity.
• In April 2006, Richard Zare, chair of the chemistry department at Stanford University and a founding advisor to Hybrid Vigor, was named a Howard Hughes Medical Institute Professor and awarded $1 million to develop new interdisciplinary undergraduate science laboratory courses at Stanford, including one which combines chemistry, physics, and biology to study light, pigments and photosynthesis. Zare has taught an introductory chemistry course every year since 1977; young students are the "secret weapon" that he says enhances his own work.
• At the Molecular Sciences Institute in Berkeley, run by HV advisor Roger Brent, MSI Visiting Fellow Kouichi Takahashi was awarded a Cross-Disciplinary Fellowship from the Human Frontier Science Program. The HFSP emphasizes novel collaborations that bring biologists together with scientists from fields such as physics, mathematics, chemistry, computer science and engineering to focus on problems at the frontier of the life sciences. Since the award's inception in 1989, 11 HFSP Fellows have gone on to win Nobel Prizes.
• Hybrid Vigor Fellow and acclaimed science writer Oliver Morton is now chief news and features editor at Nature. Morton, who in 2002 wrote a brilliant HV Journal on the role of cloud behavior in climate change, is also the author of Mapping Mars: Science, Imagination and the Birth of the World. His book on photosynthesis, Eating the Sun, will be published in July 2007.
• Hybrid Vigor advisor Margo Somerville, a renowned ethicist and founding director of the McGill (University) Centre for Medicine, Ethics and Law in Quebec, delivered the 2006 Massey Lectures that are broadcast to an audience of about 400,000 listeners via CBC Radio's Ideas program. Her new book, The Ethical Imagination: Journeys of the Human Spirit, was published in September 2006 by House of Anansi Press.
Somerville also teamed with microbiologist Ronald Atlas, co-director of the Center for the Deterrence of Biowarfare and Bioterrorism at the University of Louisville, to write a code of ethics for the life sciences. Their article on the subject, "Ethics: A Weapon to Counter Bioterrorism," was published in Science in September 2006. (Those who don't subscribe to Science can read an earlier version of the cod, presented at the 2nd Pugwash Workshop on Science, Ethics and Society that was held in Corsica in 2004.
• In 2005, Katherine Fulton, president of the Monitor Institute and a member of the Hybrid Vigor board of directors, and Andrew Blau, a senior scenario practitioner at Global Business Network and a Hybrid Vigor advisor, published a report on the future of philanthropy called Looking out for the Future that, by all accounts, has demonstrably shifted the nature of the dialog in the philanthropic community.
Fulton presented her talk on the subject, "The Deeper News About the New Philanthropy," to a full house at the Long Now Foundation's November 2006 seminar. Later, Larry Brilliant of Google.org and Richard Rockefeller, chair of the Rockefeller Brothers Fund, joined Fulton for conversation on the issues raised in her talk. (You can listen, if you'd like.)
• Over the past 3-plus years, various members of the MacArthur Research Network on Socio-Economic Status and Health have been churning out important research toward understanding the mechanisms by which socioeconomic factors affect the health of individuals and their communities. Network chair Nancy Adler, professor of psychiatry and pediatrics at the University of California, San Francisco, is a founding member of HV's advisory board, as is Bruce McEwen, the pioneering Rockefeller University professor of neuroendocrinology known for his work on the impact of stress and stress hormones on the brain and on immune function.
• In 2005, Tom Kalil, a long-time HV advisor, started and now directs the Big Ideas project, an ongoing $100,000 competition to find the best ideas from UC Berkeley's student body. It considers creative ideas in a broad range of subjects such as curricular innovation, green cities, neglected diseases, serious games and designing the next X Prize, the $10 million prize that launched the private spaceflight industry. In 2004, Kalil also worked with Berkeley researchers to propose and eventually win a $11.9 NSF award to build a new Center of Integrated Nanomechanical Systems (COINS) on campus.
• Steven Johnson, long-time friend of and early advisor to Hybrid Vigor, has continued his streak of science-meets-society bestsellers with The Ghost Map: The Story of London's Most Terrifying Epidemic — and How It Changed Science, Cities, and the Modern World, released in October. At almost the same time, a company he co-founded announced the launch of a fascinating new web experience called outside.in that is designed to bridge the online and "real" world, and reconnect people with the events and news in their cities and neighborhoods. When this was written, outside.in was tracking 56 cities and 3301 neighborhoods in the U.S.
• HV editorial advisor Bruce Sterling, originator of the Viridian Design movement and well-known science-fiction author, wrote the introduction to Worldchanging: A User's Guide for the 21st Century — a roadmap to collaborative problem solving if ever there was one.
• Helen Doyle, HV advisor, is associate director of the Interdisciplinary Graduate Program in Environment and Resources at Stanford University. The program, run by Stanford ecologist Gretchen Daily, develops new methodologies based on non-traditional combinations of natural science and engineering with perspectives derived from law, medicine, economics, the social sciences, foreign policy, and business.
What a group!


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Someone's been keeping tabs on Leverage's Nate Ford (Timothy Hutton) all season. In Sunday's episode, that man will reveal himself, and we have your exclusive first look!
Exclusive: Leverage recruits Saving Grace's Leon Rippy for recurring roleGuest star Leon Rippy (Deadwood , Saving Grace) returns as professional investor Jack Latimer in Sunday's "The Boiler Room Job" (10/9c, TNT). His Warren Buffet-type character has figured out the Leverage team's game, and he has begun lining his own pockets by taking advantage of the companies Nate's team destroys.Although Latimer originally reached out to Nate after he and his team took down Reed Rockwell (guest star Michael Gladis) in this season's third episode, Nate refused to talk business without a face-to-face meeting. Now, it seems his wish has been granted."I divulge to Nate exactly who I am and what I'm doing — and that I'm on to his game," Rippy tells TVGuide.com. "He's working on these other guys, but I'm hip to it so that's unsettling to him."
Check out photos of the Leverage castHowever, Rippy, who's made a career out of playing bad guys, says he's not necessarily a true villain. "I think it's my crooked teeth and some of the Southernisms that I have lend itself to a bad guy," he says. "But I would classify him as a semi-bad guy. He's a business guy. A lot of successful people have a lot of enemies they've made while getting there."So, why does Latimer reveal himself now? "It's gamesmanship," Rippy says. "It's not about the money. It's about the game — the 'I'm better at it than you are.' But, I think they are equals in a lot of ways."The Latimer story line won't be resolved until the show's final two episodes, slated to air on TNT next winter. But Rippy says he's game to continue beyond that if the story dictates. "The way that it's left in the final script, it's not tying anything up," Rippy says with a laugh. It's not saying this is the end of this guy."Leverage will air two new episodes Sunday, beginning at 9/8c. Watch a clip from Rippy's episode below.


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Indonesia's largest mining investor may soon be pulling out of the country. Faced with a new regulation requiring majority divestment of its local subsidiary, US mining company Freeport McMoran has signaled its intent to pursue international arbitration should negotiations remain at an impasse past June. If filed, such a claim would be among the largest in history and have a chilling effect on other investors doing business in Southeast Asia's largest economy.
At issue is Freeport's operations at Grasberg, the world's largest gold mine. Jakarta wants higher royalties, land relinquishments, more materials procured from local suppliers, the construction of a $2 billion smelter and, crucially, a 51% divestment of the Arizona-based company's stake in its local subsidiary.
It's all part of Indonesia's larger effort to exercise greater control over its natural resources. In the oil-and-gas sector, President Joko Widodo overruled plans previously approved for an offshore LNG project, deciding instead that the project should be built in a remote and underdeveloped part of eastern Indonesia to create a 'multiplier effect' for local communities. Never mind that Mr Widodo's then energy minister opposed the move and pointed to an independent costing that found this would be 30% more expensive than the offshore project.
In the minerals sector, officials imposed bans on the export of nickel and bauxite to force miners to build industrial facilities locally. The ban was later reversed after it was discovered that local and state-owned miners were also being hurt by the policy.
Meanwhile, over the course of five years of negotiations Freeport has acceded to most of Jakarta's ever-shifting demands in a series of interim agreements. In return, the company has sought to preserve its protections (including recourse to international arbitration) and extend the security of its investments beyond the end of its original contract in 2021. But it has refused to concede on the 51% divestment, and on this point Jakarta, too, seems unwilling to budge.
The standoff reflects a growing assertiveness toward Freeport among Indonesia's elites. Many bitterly recall how the mining company's contract in the early 1990s also mandated a divestment of up to 51%, only for the company to escape the clause at the last minute through a favorable change in legislation by the Suharto government.
Senior officials now seem eager to take up the fight with Freeport again for the 51% stake, despite protests that the divestment would affect Indonesia's investment climate, that Grasberg already contributes $16 billion to state revenues, or that the minerals at the mine might as well have been, in the words of an early explorer, 'on the moon' had it not been for Freeport's technical innovation and appetite for risk. In fact, Indonesia's energy minister has explained that the divestment requirement was inserted at the specific guidance of Mr Widodo.
Given Freeport's willingness to concede on almost all of Jakarta's demands if only it could preserve its rights to Grasberg, Jakarta could have simply kept negotiating higher payments from the company. That would have been the smart play, if protecting citizens' interests was the point.
The Lowy Institute acknowledges the support of the Victorian Government Department of Premier and Cabinet for Matthew's position.