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Today's article by Troy Anderson on the pension crisis facing California reads like one of my speeches. It's a great piece. It's too bad that it's accurate.
Pensions push state to insolvency
By TROY ANDERSON
As the $17 billion annual taxpayer tab for government employees' pensions and retiree health care increases at a rate of "several billion dollars" a year, Orange County Supervisor John Moorlach says California is heading for an "economic meltdown."
Elected treasurer in the wake of Orange County's 1994 bankruptcy, Moorlach predicts a confluence of events – an explosion in the cost of public pensions, retiree health care and salaries, plummeting tax revenues and stock market losses – will result in a growing number of municipal bankruptcies and an unprecedented financial nightmare for the state and local governments.
"Former state librarian (and California historian) Kevin Starr is talking about the potential of California being the nation's first failed state," Moorlach says. "We better start talking about this. What are we going to do when the entity (state government) above us crumbles? How do we avoid getting hammered by all the debris? I think we are already technically bankrupt."
Moorlach's warning come as cities and counties throughout the state are experiencing significant deficits and many are considering layoffs and cuts in salaries and benefits and public services. In recent years, the state has been able to avoid large budget cuts through borrowing, tax increases and accounting gimmicks, but it now faces a $20 billion shortfall and is running out of tricks.
Amid the worst downturn since the Great Depression, Moorlach and other officials say the geometrically-increasing tab for public pensions and retiree health is pushing the state to the breaking point. Government agencies now face massive unfunded liabilities for public pensions and retiree health care.
These obligations, including the state's bond debts, are conservatively estimated at $237 billion – and perhaps double that amount, according to a recent policy brief by the Stanford Institute for Economic Policy Research entitled "California's Mounting Budget Mess."
Joe Nation, author of the brief and director of the graduate student practicum in public policy at Stanford, says the institute is planning to release an analysis on March 10 estimating how large the promises really are to California's government workers — public servants who receive the highest salaries and most generous pensions in the nation.
"The initial run suggested there is potentially an enormous, and I think, insurmountable shortfall for the system over the next 30 years," Nation says. "They have come up with some really startling numbers that suggest the hole we're in is far deeper than we thought."
Although officials at many public pension systems expect the stock market to rescue them, Nation says that won't fix the problem because elected officials approved costly pension enhancements and overestimated earnings while underfunding the systems by $12 billion to $13 billion annually for years.
"Most of the money that pays for pensions comes from investment earnings, but if those earnings are overestimated, as our pension funds have done for decades, then you are left with a huge deficit," says David Crane, special advisor to Gov. Arnold Schwarzenegger for jobs and economic growth.
The annual taxpayer contribution for the state government's pensions and retiree health care alone is expected to increase from $5.5 billion this year to $15 billion within a decade, Crane says.
"But even the ($15 billion) estimate is still assuming CalPERS earns very high investment yields over that time," Crane says. "That figure depends on the stock market doubling every 10 years, and if it doesn't, those figures are even higher."
If the annual bill in all government agencies in the state is tabulated, the amount contributed totals now $13 billion a year for pension benefits, according to a recent report by the Legislative Analyst's Office. These government agencies also pay $4 billion per year for retiree health benefits. The combined total is expected to increase by "several billion dollars" each year, the LAO estimates.
Nationwide, there was a $1 trillion gap in 2007-08 between the $2.35 trillion states had set aside to pay for employees' retirement benefits and the $3.35 trillion price tag of those promises, according to the "Trillion Dollar Gap" report released last week by the Pew Center on the States. This does not include the unfunded liabilities incurred by city and county pension systems.
And the Pew's numbers likely underestimate the bill coming due because the most recent data available does not take into account the stock market and real estate losses incurred since the Great Recession began.
"While the economic crisis and drop in investments helped create it, the trillion dollar gap is primarily the result of states' inability to save for the future and manage the costs of their public sector retirement benefits," says Susan Urahn, managing director of the Pew center. "The growing bill coming due to states could have significant consequences for taxpayers – higher taxes, less money for public services and lower state bond ratings. States need to start exploring reforms."
The genesis of the problems in California began in 1999 when its pension systems were well funded. Under pressure from public employee unions, state lawmakers passed Senate Bill 400 – allowing massive, retroactive and ongoing pension boosts to state employees. The bill led to the infamous "3 percent at 50" provision for California Highway Patrol officers. At age 50, they are eligible to receive 3 percent of their final year's pay times the number of years worked. As a result, a public safety employee who began working at age 20 could retire at age 50 with 90 percent of their final salary. In 2002, lawmakers passed SB 183, expanding the "3 percent at 50" calculation to non-safety workers, including billboard and milk inspectors. The bills sparked a wave of public employee pension increases in cities, counties and other government agencies throughout the state.
"No single issue threatens the fiscal health of this state more than our exploding pension obligations," Schwarzenegger told the Sacramento Press Club last month. "Over the last 10 years, our pension costs have gone up by 2,000 percent from $150 million per year to $3 billion a year (for state government workers). That means hundreds of billions in unfunded liabilities and it means the $3 billion we are spending now will go up to $10 or $12 billion."
The "exploding pension obligations" are the result of a long pattern of "runaway spending" in state government, says Adam B. Summers, a policy analyst at the Reason Foundation and author of "California Spending By The Numbers: A Historic Look At State Spending From Gov. Pete Wilson to Gov. Arnold Schwarzenegger."
This increase in spending was driven largely by an increase in the number of local and state government employees and pay increases of 50 percent to 70 percent in the last decade. The average wage for state and local government workers is now $26.24 an hour, compared to $19.45 for private-sector workers, according to the U.S. Bureau of Labor Statistics.
Since 1999-00, the number of state employees has grown from 296,076 to 356,435. During the same period, total state government spending, including federal funds, nearly doubled from $122 billion to $222 billion. Meanwhile, the number of public employees in California collecting $100,000-plus pensions has skyrocketed from about 2,500 in 2004 to 15,000 now.
Summers says the "extravagant spending" really began with the passage of SB 400 – a bill that encouraged local governments to approve similar pension and benefit increases now threatening the financial stability of cities throughout the city. Vallejo filed for bankruptcy in 2008, dozens of other cities are facing severe budget deficits and a growing number of officials throughout the state are discussing the possibility of more bankruptcies. In October, state Treasurer Bill Locker told lawmakers they needed to reform the pension system or "it will bankrupt the state." The California Public Employees Pension System chief actuary has described the current pension system as "unsustainable."
"I think we are starting to approach a tipping point," Summers said. "There is talk of bankruptcy in San Diego. That is the largest city in danger of bankruptcy, but there are probably a number of smaller cities and county governments that are going to be in danger too."
By law, the state can't declare bankruptcy.
"The state has the power to tax and the ability to cut back on programs," Crane says. "But I think these local governments are going to face incredibly draconian choices – shutting down parks and not hiring policemen."
In response to the crisis, the California Foundation for Fiscal Responsibility is gathering signatures for two pension and retiree health care initiatives that would save state and local government agencies more than $500 billion over 30 years. The initiatives would require non-public safety employees to work until their Social Security retirement age for full benefits and end pension abuses.
"CalPERS' chief actuary, the state treasurer and the governor are all saying, 'Mayday, mayday – We have to make changes or the pension system will not be sustained,'" says Marcia Fritz, president of the foundation. "When you've got the top three officials saying we can't sustain our pension benefits then you've got to do something."
February 23
The weekly inside the OC Register for Costa Mesa residents in 1995 was called the "Costa Mesa Breeze." It's lead reporter was Jonathan Volzke and he put me on the front page with a photo and the following headline: "What Drives This CPA? – Moorlach looks ahead, maybe to statewide office." This was followed by an interview starting on page 10, titled "What's John Moorlach's Next Move?" The interview is a fun read. I don't think I would say anything differently 15 years later. Here are both pieces in their entirety.
John M. W. Moorlach zips around Costa Mesa's streets in a faded orange Bricklin SV-1 coupe that rolled off a Canadian assembly line 21 years ago. The license plate on the low-slung sportster warns: "DULL CPA." A bumper sticker on the hatch proclaims "Don't Blame Me! I voted for Moorlach."
The truth of the bumper sticker has erased any truth the license plate might have held. Since Moorlach predicted the county's financial debacle in an election race against former Treasurer Robert Citron, his life has been anything but dull.
He lost the election, but he's gained national recognition. He rates his own chances of being appointed by the Board of Supervisors to fill Citron's seat at 50-50 but admits political doors have opened for him – maybe statewide.
He figures the unpaid time he already has spent on the county bankruptcy has cost him more than $155,000 in billable hours, but Moorlach recently took off from his tax and financial planning business to talk with The Breeze about his future – and what drives him.
THE BREEZE: Two months after the declaration of bankruptcy, is there any satisfaction to say "I'm John Moorlach, I was right"?
MOORLACH: I've been vindicated, but it's very bittersweet. In fact, I grieve more than I rejoice. We saw what was going to happen, we were ready to deal with it. So my lament is that I was never called, my lament is that we filed bankruptcy and we probably could have avoided that. Even as late as October, I wrote my team: Here's the most recent portfolio, this thing is going to blow anytime now. Get ready for me to call. I even had a letter ready to go to Supervisor Thomas Riley saying thank you for appointing me to replace our recently retired treasurer. I was ready to rock and roll. But I never got called.
THE BREEZE: With all this, why did you lose the election?
MOORLACH: Bob Citron was actually pretty savvy as a campaigner. We wanted to let the public know I was a Republican and he was a Democrat. But it was Citron who let everyone know. That he was the victim of a Republican plot. So he played the politics where I played the issues. And he played a good game of distraction. He said "these guys are going to hurt the county's credit rating. These guys are going to cause a run on the county pool, these guys are dangerous and irresponsible" and no one ever stepped back and said "how could someone asking questions cause these kinds of problems?"
But for a lot of people, face it, incumbents win over 90 percent of the time, and I knew that going in. I was frustrated that I lost because I'm a competitive person. I would wake up every day consumed by this. Why did I lose. Why didn't the people figure it out. Why didn't the press get it?
THE BREEZE: Why were you able to come and see everything and so accurately predict everything?
MOORLACH: I looked at the portfolio. Everyone that criticized me did not look at the portfolio. They went off half-cocked. And they'll admit that now. The consultants I used, my team, said this is probably the worst municipal portfolio they have ever seen. And almost to a man – they were all male, and that was not my choice, just by a coincidence – almost every one said you don't want to win. I would have been the most hated guy in Orange County. I would have incurred large losses. It would have taken people in retrospect, a few months perhaps a year or two to realize how much I had saved them overall. But that would have been very awkward, very difficult thing to do, but that is what being a businessman is all about. You detect and you correct and that's the way life is. You have a tooth that is too far gone, you pull it out and that involves pain. I'm sorry.
Why everybody else didn't get it I can only speculate.
Why didn't Merrill Lynch say "You know, Mr. Citron, we're just not going to deal with you anymore"? But no. They acted like drug dealers. They knew the end result would be negative under certain circumstances, but you know, gosh darn it, "if we don't sell the product, someone else will, so it might as well be us." That logic is really flawed to me."
THE BREEZE: You convinced the city to pull out a great deal of the money. What do you think of the performance of the city and the school district?
MOORLACH: In Costa Mesa, we have four entities we elect officers to and trustees to. Mesa Consolidated Water District did not go into the pool. I would say our hero in Costa Mesa is Margaret Rutledge, the finance director for the water district. She did her homework.
Our sanitation district and our City Council have the same finance director, Susan Temple. Susan Temple never had a discomfort with Mr. Citron's pool. She could not understand my concerns and she couldn't locate a replacement investment that would give her those yields. And I would say "No duh, you don't get these yields without taking astronomical risks." Susan Temple literally had to be forced to pull money out. On behest of Joe Erickson and Sandy Genis, who did their due diligence, they acted like public servants as opposed to politicians. If Temple would have listened sooner, yea, she would be a hero. But I don't think any praise is deserving if I were to be real strong about it.
At Newport Mesa Unified School District, which we also vote for, Mr. Mac Bernd and Mike Fine had a successful bond deal with the county that made them an additional million dollars by borrowing to invest. It's sort of like going to Vegas; you win the first time, you think you'll win your next trip, too. Mr. Fine is just not an experienced finance director and he relied solely on Mr. Matt Raabe. He was warned by Chris Street of Corona del Mar, who was very intimate with this approach because he was an investment banker. My campaign warned them again, and it caused them to have some more meetings, pulling in Raabe. Ed Decker, who endorsed my candidacy, and Judy Franco, who endorsed my candidacy, both listened to me and they voted no.
But my campaign was not to try to convince districts to pull out. My campaign was to get voters to understand what the broad issues were. The campaign was to educate voters to vote for a change because there's a guy in there who is overly aggressive.
It was just two votes and perhaps one reluctant finance director and we probably could have come out unscathed.
Then the next issue is this 100 percent on the dollar thing. If Costa Mesa residents are forced to pay 100 cents on the dollar, then their liability is about $654 per person. If we were only responsible for the loss the county incurred for countywide issues, as opposed to all of these investors, it would be about $700 million, which translates to about $270 per person. If the county has to make everybody whole, Costa Mesa will still suffer. I don't hold to that argument. This is a county, not a commune. I don't believe the residents of Costa Mesa should pay for the indiscretions of its neighbors. It should pay for its own indiscretions, in other words, be responsible for yourself. Anything more than that is coercive.
THE BREEZE: You mentioned earlier that you had a letter for Chairman Riley that you accept the appointment of treasurer. Do you have a letter ready now for Chairman Gaddi Vasquez?
MOORLACH: I've always been willing to serve, and I would love to help out with the rehabilitation plan. We have to move forward now and it's a great challenge. I believe as a lay person that I've certainly got a pretty good grasp of what's going on, but I'm very secure of who I am and where I am. I'm willing to give of my energies, but I understand that a lot of people are uncomfortable with someone who is secure and who is ready to step out and make some decisions.
THE BREEZE: What's the most important thing that needs to be done now in the treasurer's office?
MOORLACH: The most important thing is credibility. We were never really supposed to be the broker of record for every city in the county, every municipality, even cities outside the county. We need to be a holding place for funds that weren't going to be spent immediately for whatever reason. They should just be invested prudently, with safety of principal as the first rule, liquidity as the second and yield as the third. Mr. Citron has yield as the first, yield as the second and yield as the third. He's made us an additional $715 million but he lost us $1.7 billion. It was Will Rogers who said it is the return of your money, not the return on your money, that really matters.
THE BREEZE: Isn't there an ego thing to being able to sit back and say I've got a $20 billion pool I'm in charge of?
MOORLACH: I'm sure for some, it would be. I'm more task-oriented. Here's your job, and this is what we want to accomplish and if you do a good job, great, you're rewarded, and if you're not doing a good job, find someone else who can. I already get enough ego satisfaction in my own business. I'm pretty secure in who I am. I'm secure in my marriage. I'm secure in my job. I'm very satisfied. I feel I have a purpose in my life and I'm real comfortable with that. I don't need to look for the next hill to climb to somehow prove myself. I can die today and say I've accomplished just about everything I've wanted to in my own life as it is. But I also have a real concern for my community.
I think we've seen with this whole fiasco that government is serious. We can't just be elected and sit there like it's some ego booster. You have to be there to do something. If you're just there to be, then you're not in the right place.
THE BREEZE: What is your purpose?
MOORLACH: My family is tops. My wife, Trina, is my most important asset. My kids – Sarah, 12, CJ, 10, Daniel, 4 – are my joy. I want to breed in them the philosophy I have, and that is, you're destined to succeed. I believe on Day 1, when you roll into town, you have to be self-supportive. By Day 7, you should be giving to the poor. It's a basic, almost Jewish cultural thing, although I'm not Jewish, it's something I really admire, build a business, participate in your community, give back. We live, we die. It's a very short cycle. Are you going to be a giver, or are you going to be neutral, or are you going to be a taker? I just really believe in being a giver. I'm a Rotarian, "Service Above Self." I'm very motivated by that.
THE BREEZE: You're now known coast to coast as the guy who predicted the county's downfall. What's your greatest accomplishment?
MOORLACH: In life? I don't know. For me, accomplishments are an end unto themselves. I'm real goal-oriented. I would just be happy in whatever I pursued, if I didn't foresake the important things. Like my wife. Like my kids. Like my relationships with my friends.
No matter how important other people thought I was, that somehow I didn't think I was important.
THE BREEZE: Your name is known throughout the state, throughout the country. How has it changed you?
MOORLACH: It hasn't, yet. I'm in tax season. I'm here at the office working beaucoup hours. I'm not getting a chance to enjoy it that much. I feel bad that I'm in all these magazines. If it were just one magazine, it would be real exciting and I could just really savor that, but it's been so overwhelming with so much so fast that I haven't had a chance to say "this is great." It's sorta like you get a letter from a company here in Costa Mesa that says we can do posters of your articles and I'm going "which one?"
I'm looking forward to the summer so I can go back and read and savor and enjoy some of this stuff. It's been a lot of fun, but it's just been awkward.
THE BREEZE: I feel like the next time we talk, we'll be in Sacramento.
MOORLACH: That's not up to me, that's up to the people. But look at Sacramento. We have 80 Assembly members and 40 senators. Not one of them, not one, is a CPA.
THE BREEZE: What would you say if you bumped into Robert Citron?
MOORLACH: I have never spoken to Mr. Citron. I would say "I'm praying for you." He involved himself in what I would call an (improper) financial affair. And when you go beyond boundaries, you hurt more people than yourself. And I'm sorry that the consequences of his actions are so devastating. I would just tell him that I'm real grieved at what his decisions have caused. And I'd leave it at that. I feel sorry for him, too. Who wants to go down in history this way?
The lead article for the LA Times' California section was Stuart Pfeifer's "Merrill Aims to Handle O.C.'s Refi—Brokerage seen by many as responsible for the bankruptcy hopes to restructure the county's debt and make $2 million doing it." There will always be famous pairings: Moorlach/Citron, OC/Merrill Lynch. You'll see these themes in the Look Backs. Here are the clippings of the personalities on both sides of the debate.
Supervisors Tom Wilson and Jim Silva said Tuesday they opposed Merrill's involvement, arguing that it would allow the company to profit from a problem it created. Silva said he wouldn't support Merrill's involvement even if it would save the county $1 million compared with competing bids.
Other county officials, including Supervisors Lou Correa and Chris Norby, said allowing Merrill Lynch to bid for the job would benefit the county by creating competition. Further, they said, they would support Merrill if it made the best proposal.
"My duty is to the taxpayers, to give them the best possible deal," Correa said.
Board Chairman Bill Campbell . . . said he was studying the idea.
Orange County did not do business with Merrill again until 2003, when the Board of Supervisors voted to allow Treasurer-Tax Collector John M. W. Moorlach to buy certain low-risk investment products from the company.
Campbell said Merrill's proposal was worth considering in part because of personnel changes with the company. For example, one member of the Merrill team assigned to the refinancing proposal helped organize the county's bankruptcy recovery plan while employed by brokerage Goldman Sachs, Campbell said.
Moorlach and Orange County Auditor-Controller David Sundstrom say they support considering Merrill.
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By Ouagadougou
Hello everyone and Happy Friday!
I hope you are all doing well.
I've been out of the country and traveling a lot, so I have been away for a good period of time.
I recently read the article below and was shocked by the prophet's claim that tithing can break poverty cycles.
"President Nelson also said tithing can break cycles of poverty in poor nations and families."
"'We preach tithing to the poor people of the world because the poor people of the world have had cycles of poverty, generation after generation," he said. "That same poverty continues from one generation to another, until people pay their tithing.'"
IMO, giving up 10% of one's income actually causes more financial struggles for many in the world, especially in countries like Kenya. Moreover, it's important to mention that in Kenya "fourty two percent of its population of 44 million, live below the poverty line."
The belief that tithing will magically rid Kenya of poverty cycles and solve their financial struggles, IMO, is dishonest, out of touch with reality, and extremely misleading. Likewise, claiming that tithing will ensure "spiritual blessings" is one thing; however, asserting that poverty will continue until poor people pay their tithing (I think) is ridiculous and very naive about how many people live across the world.
With "spiritual blessings/benefits" set aside (as some might believe), do you think President Nelson's comments were ill-informed or delusional about poor communities and poverty, as they relate directly to their day-to-day financial situations/burdens?
By Benjamin Seeker
I've seen the debate happening over at https://bycommonconsent.com/2018/06/02/tithing-and-coercion/ on whether the church's stance on tithing is coercive. Let's debate it (cause what else are we going to do?)!
I don't feel that tithing can be judged or seen as coercive except in some circumstances. For example, when a dad has a faith crisis and comes away believing differently than before there can be a certain feeling of coercion. If there are strong family ties to Mormonism, and if he values his own ties to Mormonism, he may feel pressured or even coerced to pay tithing in order to fully participate in family events like the baptisms and ordinations and other rites of passage involving his children.
By Maidservant
An article written by someone who seems to have a good handle of the financial picture of the Church, especially as it relates to the use of tithing.
Where Do They Spend All the Tithing Money?
By JAHS
Here's the official anouncement for electronic tithe paying:
How many here would be willing to use this electronic method?
By hagoth7
I think this is a great story...even if we don't encourage participating in the lottery.
Mom wins it big...and still has her priorities straight.

subset: commoncrawl


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Starbucks customers now see slightly more expensive coffee after the coffee chain announced last week it would raise some of its prices on Tuesday.
Starbucks raised its prices on certain beverages Tuesday between five and 20 cents, depending on the order. For example, a 20-ounce, venti-sized cup of brewed coffee will be $2.35, an increase of 10 or 15 cents depending on the market, according to the Dow Jones Business Wire. Starbucks packaged coffee sold in grocery stores will increase by about $1 per bag on July 21.
CEO Howard Schultz had said Starbucks wouldn't raise its prices because it has protection for 2014. In a March interview with Fox Business, Mr. Schultz said Starbucks negotiates and sets its coffee purchase prices for a number of years, insuring them against paying more in the event of supply problems like droughts and disease.
Starbucks joins a number of coffee vendors who have already raised prices. Dunkin' Donuts slightly raised its prices of coffee sold in its stores earlier this month, and the price of Dunkin' Donuts brand coffee sold in grocery stores also increased by 9 percent after J.M. Smuckers, which has a licensing agreement with Dunkin' Donuts to sell its coffee products, announced the news. Kraft Food Group Inc. also announced a 10 percent increase for its Maxwell House and Yuban retail brands.
The reason for rising prices is simple: there's a coffee shortage. Brazil has been in a severe drought since January and that has been highly influential on prices, Thomas Copple, an economist for the International Coffee Organization based in London, says via e-mail to the Monitor.
"Brazil accounts for around a third of world production, so any disruption to its output has significant implications for global prices," he says.
The ICO composite indicator, which is a weighted average of a range of physical coffee prices across the world, was under $1 per pound in November 2013, Mr. Copple says. Now, it has jumped to $1.64 per pound. An El Niño weather event may also arrive earlier than expected this year and could hurt coffee growers. Coffee rust, a common disease infecting coffee leaves, also has contributed to the shortage, he adds.
What will happen to coffee prices in the immediate future? Right now, it isn't clear. The market is subject to price fluctuations and many experts are uncertain of the size of the upcoming Brazilian crop, Copple says. Once the Brazilian crop is harvested, people will have a better idea of the damage and the implications for the world market, he adds.
"However, the most important variable could be what happens next year," he adds. "If the drought in Brazil continues to affect its production in 2015, as many have speculated, then prices could certainly increase further."


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You'd think that going to the hospital would be nothing big for me now, specifically since we have practically lived at one this year, but I am worried about this. For one, I only have bad memories associated with this hospital. Basically, something "bad" happened with my mother here (and she doesn't know that I know about it) and so just being in the building triggers something with me. Second, I haven't seen my dad in probably 7 years. I have exchanged letters with him a bit, but haven't seen him face-t0-face since my last year of law school. The reasoning behind this is pretty complex...or maybe not complex but difficult for me. Long story short, my dad was not a great guy (abusive alcoholic) and left my mother (pregnant with three other children all under the age of 7) when I was 7. I hardly ever saw him in the next 10 years. I had assumed that he moved away, but found out that he in fact lived in the same little town that I lived in. He just never cared to see us. So, that hasn't sat well with me.
He came back around just as I was graduating from high school and I had a semi-relationship with him during college (mostly at the urging of Gessner). But he really just made excuses about what he had done, etc.). So, finally I had enough and just stopped responding to his letters (letters have been our main form of communication).
About a year and a half ago, I wrote him again, worried that he would get sick and then I would regret not trying harder. So, we again exchanged letters. He seemed better this time. I also found out that he was sick...diagnosed with COPD (which is no surprise since he has smoked since he was like 10). There was an issue that came up because I didn't feel comfortable going to a family reunion with him, so I pretty much stopped communicating with him again. I was too overwhelmed with what was going on with Gess and some other stuff and at the advice of my doctor and therapist, I really needed to cut out people that were "energy drainers" etc. He was definitely on that list, so I really haven't had much contact with his for the past year of so.
Today there was no question that I needed to come to see him even with all of this. I am not sure why, but my gut told me I needed to, so I followed. I am a bit worried about the toll this is going to take on me. My dad is old. He will be 69 in just a few days. He smokes and also drank for many years. I am sure that his liver is bad, as well as his lungs (which rubs me the wrong way considering Gess's health at the age of 32 not because of stupid lifestyle choices, but because of CF...but that's for another day).
He has a wife that I think I met once. And a daughter that he adopted (which is a very touchy spot with me since he abandoned us and yet voluntarily took on someone else) and I imagine she might be there. I haven't been around and I don't know if that was the right choice...it certain seemed like the right choice and I don't know where I will fit in tomorrow.
I don't know exactly what is going on, though the explanation given by both my sister (to me) and my dad (to Gess) sounds like it could be a terminal situation.
Not sure what tomorrow will bring, but I am going to try to keep my wits about me and just be there if he needs me (regardless of the past and all of those issues that cannot be changed). At the same time, I will not accept anyone attempting to place blame or guilt on me for the past (not that I expect that to happen, but if it does, I will stand up for myself). And above all, I have to try to keep myself from getting "sucked" into any drama that is just going to be stress causing.
For now, Ambien take me away....


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Amazon's smartphone move may turn out to be a big mistake, industry experts say.
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PANAMA CITY, March 13 (Reuters) - Panama-based airline Copa Holdings said on Wednesday it is temporarily suspending operations of its six Boeing 737 MAX 9 aircraft until the findings are published of an investigation into Sunday's crash of an Ethiopian Airlines Boeing 737 MAX.
Copa said it would cover the flights the MAX 9 flew with the rest of its fleet and seek to minimize impact on its passengers. (Reporting by Elida Moreno Editing by Dave Graham)


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Least Present Value of Revenues
The Least Present Value of Revenue Mechanism (LPVR Mechanism) was first introduced in 1998 by Engel, Fischer and Galetovic as a new auction mechanism. However, eventually it turned out that the Least Present Value of Revenue is a very good approach to mitigating the traffic risk, which originates from uncertain future traffic demand.
Until that time public-private partnership infrastructure projects were usually granted through fixed-term auctions. In accordance with the fixed-term approach the public partner defines the concession terms and private partners bid on tolls or, alternatively, the public partner sets the toll rate and the concession is granted to the private partner that bids the shortest franchise term. Both versions have severe drawbacks when traffic demand does not meet the estimated traffic. The usual consequence is a renegotiation of the concession contracts between the public and private partners, which in the end affects taxpayers as losses are shifted to them.
In the case of the LPVR Mechanism, the concession is auctioned to the private partner that offers the least present value of revenues from tolls. That approach has several advantages:
- The revenues of the private partner are collected only from the tolls, although this model can also be combined with the minimum revenue guarantee granted by the public partner.
- Furthermore, when there are a lot of bidders, the public partner does not need to know what the construction costs of the specific infrastructure projects are as these costs are revealed through the minimum income required by the private partner to earn a normal profit.
- The Least Present Value of Revenue is a flexible mechanism. If the actual traffic is lower than the estimated one, which means that the actual income is also lower, then the concession period can be automatically prolonged until the least present value of revenue is reached. The same approach can be used when tolls are changed, for instance because the traffic policy of the public partner has been changed or because the traffic growth rates are higher or lower than the anticipated ones.
- In consequence, there is no need for the future renegotiations of the concession contract as this mechanism is flexible regarding the duration of the concession and construction costs are already known before signing the concession agreement, too.
- If the public partner has an option to buy back the concession sometime in the future, then the compensation for the private partner can be easily defined through the non-reimbursed residual value of the Least Present Value of Revenue.
Figure 1: The economic balance and flexibility of the duration of the concession
Source: Based on J. M. Vassallo, Traffic risk mitigation in highway concession projects, 2005.
As can be seen from Figure 1, the equilibrium is reached and the concession ends when the discounted revenues are equal to the discounted costs. It is anticipated that this balance will be reached at T0 ; however, depending on the actual traffic income it can also be reached before T0 or after T0.


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The digital documents and photographic material are available at a local research terminal within the premises of the Angewandte Innovation Laboratory.
The archive inventory is continuously expanded. The aim is to integrate the material in the Art- and Research Database at the University of Applied Art Vienna.
Franz Josefs Kai 3
1010 Vienna, Austria
Opening hours
Mon, Tue, Thu, Fri 12:00 – 17:00
Wed 12:00 – 20:00
(except holidays)
By appointment only (contact form).


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Below is a list of services, and pricing. We offer a wide variety of services, and pricing, to fit all needs. ( For wedding packages please click here! ) Every production is different, this is meant as a guide, don't' hesitate to contact us, we consult for free! Please note: We offer package deals, (see our Popular Packages section for an example) referral discounts as well as indie and Band discounts! Please enquire! We also accept online payments, with most credit cards! Please enquire!
Basic Package
Upgrades are affordable, and offer stellar results!
Upgrade to higher quality cameras like our RED packages for slow motion, added detail and a cinematic look!
Upgraded Camera Packages
- Upgraded packages subject to insurance fees, and Misc Fees.
Upgraded Camera Accessories
Upgrade to prime lenses for more cinematic looks, amazing depth of field, and beautiful photos!
Camera gear
Add additional camera gear like cranes, dollies, and sliders, for added production value!
(Also a bare bones package is available, please enquire)
Studio Space
Slinger Pictures has access to a full studio space, offering you an affordable location for large, or small productions.
( Note Studio space will need to include prices for assistants, make up and Misc fees )
Having assistants, and make up artists, are usually necessary, and greatly aid in a production.
Assistants / Make up
- Basic Assistants
- Make up
- Additional camera / Crew ( varying prices depending on shoot. )
( note: large post production projects ate subject to assistant fees )
We offer a wide variety of post production services, nothing is to big or to small!
We're available as:
-Hired camera operators, photographers.
-On set boom operators
- Available for hire, or for full productions.
- Available for post production work, of all kinds.
- Prices subject to misc fees.
- Larger productions are subject to hard drive fees.
- Package discounts apply for most items please enquire.
-Please inquire about indie production rates, and band discounts.


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© Vogue Images
Vogue India
Five ways to give your wardrobe a Fifty Shades Of Grey update
Valentine's Day swapped sweet with sexy this year thanks to the release of Fifty Shades of Grey, and just because we can't watch it (not yet anyway), doesn't mean we can't dress the part. BUT DO''T WAIT FOR THE NEXT VALENTINE TO SEX IT UP. Add a little fantasy to your wardrobe TODAY with these 5 easy updates:
Killer heels, always give an otherwise "flat" outfit a certain x factor, or should I say a certain oomph factor. I'm lusting after Malone Souliers 'Savanna' lace up sandals.
Nothing is sexier than when you leave just a wee bit to the imagination. A lace dress for a night on the town will leave you feeling super sensual. I am obsessed with this Givenchy lace and panel satin dress.
Let every curve on your body do the talking, with a simple fitted slip dress. Its half the effort for double the seductress. Can't go wrong with La Perla's shape allure lace panel dress.
Need I say more. Lady + leather = Insta goddess. Team a slinky body blouse (Kiki de Montrparnasse's silk chiffon body) with a smouldering leather mini skirt (Balmain's quilted leather skirt).
Don't leave the most important part of your night out- getting home! An essential addition will be Agent Provocateur's zipped satin eye mask.


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These offices assist the archbishop in the day-to-day administration of the archdiocese.
Serves in matters of church law, administration and sacramental issues regarding Catholic weddings, baptisms and funerals.
Disseminates information regarding the activities of the archdiocese and handles all media relations.
Secures financial resources for the archdiocese by focusing in the following areas: Catholic Stewardship Appeal, Major and Planned Giving, Parish Stewardship Programs.
Directs all financial, administrative and reporting functions of the archdiocese.
Provides advice and recommendations regarding record keeping and procedures for handling parish monies.
Assists employees of the archdiocese with their retirement.
Attracts and retains individuals who assist the central offices and agencies to carry out their respective missions.
Maintains the computer network and telecommunications system for the archdiocesan central offices.
3501 South Lake Drive
PO Box 070912
Milwaukee, WI 53207-0912
PDF map | Google map
Phone: 414-769-3300
Toll-Free: 800-769-9373
Fax: 414-769-3408
Choose from a variety of e-newletters including Archbishop Listecki's weekly email to the Catholic faithful.
Problems with this page?
Contact the webmaster
This site is supported by donations to the Catholic Stewardship Appeal from visitors like you. Thank you.
The Archdiocese of Milwaukee is committed to helping victims/survivors of sexual abuse and to protecting children. Visit the links below for more information.
Safeguarding All of God's Family (Registration)
Safe Environment Education sessions and resources.
Restricted Diocesan Priests
Due to Substantiated Reports of Sexual Abuse of a Minor.
We partner with EthicsPoint, a third-party company, to administer an online service to report financial misconduct. Read more...
3501 South Lake Drive
PO Box 070912
Milwaukee, WI 53207-0912


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Keeping Score
Moss Point's Booker close to breaking school record scoring mark
Moss Point senior guard Devin Booker is drawing closer to to breaking the school's all-time scoring mark.
Booker's career scoring total stands at 2,201, 50 points shy of David Booker's school record of 2,251 points.
Devin Booker is not related to David Booker.
Devin Booker is averaging just short of 32 points a game.
He was on pace to set the record in Saturday's Hoopsfest, but Friday night's home game against Bay High was postponed.


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On a side note, Santa Monica Boulevard going through WeHo is home to a host of awesome Russian delis. After our lunch at Traktir, we actually did a Russian deli crawl and some of the food we saw in those delis were amazing, from breads and pastries to salads and various cooked meats. Definitely check it out when you get a chance.
Anyway, on to the food. While the primary draw was the Borscht soup, we all started our meal with a compote. When I went home, I did an online search for what a compote was and according to wikipedia, it is a light refreshing drink most often made of dried fruit (raisins, prunes, apricots, etc.) boiled in water with sugar and left to cool and infuse. The compote really was as the description said, light and refreshing. It reminded me of fruit ice tea.
For an appetizer, I ordered feta cheese and kalamata olives. When the dish arrived, I was surprised to see a whole bunch of cilantro on top. It seemed like a lot just for garnish, but then I was told by someone in the know that you actually eat the cilantro with the olives and cheese.
So I ended up doing a Korean BBQ thing, wrapped the leaves around a piece of the cheese and olive and eat them all together. The peppery cilantro really added some great flavor and green freshness to the mild saltiness of the cheese and the olives. What a great combo.
Soon after the borscht arrived. This was my first time having borscht and given that I love beets, I was really looking forward to this soup. While the soup was quite tasty, I was a little disappointed. I expected more of a "beet" flavor to come through, but in some ways, this particular borscht reminded me more of a chunky tomato soup and tomatoes weren't even part of the ingredients. It was still a good soup, but just not what I expected.
From the soup, I shared an order of Russian Vereniki (dumplings) with another diner. Our order consisted of three different verenikis:
Potato Vereniki - Russian style dumplings with potato filling
Meat Vereniki - Russian style dumplings with ground meat and spice filling
Mushroom and Sourkraut Vereniki - Russian style dumpling with mushroom and sourkraut filling
I didn't think any of the three Russian dumplings were anything to write home about. The meat dumpling had some good flavor, but the potato dumpling was bland and I couldn't even tell that there were mushrooms or sauerkraut in the mushroom and sauerkraut dumpling. At least the sauce for the dumplings were good, but without that great sauce, these dumplings would have been a waste of time.
Overall, I'd say that lunch at Traktir was okay. I'd go back to check out some of their other dishes at another time, but be warned. Parking is a pain. There's a small parking lot, but primarily it's metered street parking and you know how much fun that is.
To see pics, go to:
8151 Santa Monica Blvd
West Hollywood, CA 90046
(323) 654-3030
Friday, April 20, 2007
"Soup's On" - Borscht Soup at Traktir
On a side note, Santa Monica Boulevard going through WeHo is home to a host of awesome Russian delis. After our lunch at Traktir, we actually did a Russian deli crawl and some of the food we saw in those delis were amazing, from breads and pastries to salads and various cooked meats. Definitely check it out when you get a chance.
Bookmark this post:blogger tutorials Social Bookmarking Blogger Widget


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Anniversary Gifts By Year
When it comes to anniversary gifts, there's so many routes you can take! There's the traditional, the modern, and the alternate gift by "stone."
1st Year of Marriage: Paper (traditional) Clocks (modern) Peridot (Stone)
Consider it a Skyler Man gift card, it comes on paper 😉
2nd Year of Marriage: Cotton (traditional) China (modern) Garnet (Stone)
3rd Year of Marriage: Leather (traditional) Crystal / Glass (modern) Pearls (Stone)
For someone more modern or adventurous, a leather choker or bracelet.
4th Year of Marriage: Fruit / Flowers (traditional) Appliances (modern) Blue Topaz (Stone)
Forget getting your beau an appliance and go the traditional route for your 4th year of marriage. Gift a floral piece that symbolizes your four years together
5th Year of Marriage: Wood (traditional) Silverware (modern) Sapphire (Stone)
6th Year of Marriage: Candy / Iron (traditional) Wood (modern) Amethyst (Stone)
7th Year of Marriage: Wool / Copper (traditional) Desk Sets (modern) Onyx (Stone)
8th Year of Marriage: Pottery / Bronze (traditional) Linens / Lace (modern) Tourmaline (Stone)
9th Year of Marriage: Willow / Pottery (traditional) Leather (modern) Lapis Lazuli (Stone)
10th Year of Marriage: Tin / Aluminum (traditional) Diamond Jewelry (modern & stone)
11th Year of Marriage: Steel (traditional) Fashion Jewelry (modern) Turquoise (Stone)
12th Year of Marriage: Silk / Linen (traditional) Pearls (modern) Jade (Stone)
13th Year of Marriage: Lace (traditional) Textiles (modern) Citrine (Stone)
14th Year of Marriage: Gold Jewelry (traditional / modern) Opal (Stone)
15th Year of Marriage: Crystal (traditional) Watches (modern) Ruby (Stone)


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Coffee and Cigarettes
A comic series of short vignettes built on one another to create a cumulative effect, as the characters discuss things as diverse as caffeine popsicles, Paris in the '20s, and the use of nicotine as an insecticide - all the while sitting around sipping coffee and smoking cigarettes. As director Jim Jarmusch delves into the normal pace of our world from an extraordinary angle, he shows just how absorbing the obsessions, joys and addictions of life can be, if truly observed.
1hr 45 min long
M Contains offensive language
Steven Wright
Steve Buscemi
Roberto Benigni
Joie Lee
Cinque Lee
Cate Blanchett
Bill Murray


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Category: 2015
H. Park, B. Kim, H. Shim, "A Smiling Bear in the Equity Options Market and the Cross-Section of Stock Returns," (working paper series)
Abstract: We propose a measure for the convexity of an option-implied volatility curve, IV convexity, as a forward-looking measure of excess tail-risk contribution to the perceived variance of underlying equity returns. Using equity options data for individual U.S.-listed stocks during 2000-2013, we find that the average return differential between the lowest and highest IV convexity quintile portfolios exceeds 1% per … Read More »
P. Schneider, C. Wagner, J. Zechner, "Low Risk Anomalies?," (working paper series)
Abstract: This paper shows theoretically and empirically that beta- and volatility-based low risk anomalies are driven by return skewness. The empirical patterns concisely match the predictions of our model that endogenizes the role of skewness for stock returns through default risk. With increasing downside risk, the standard capital asset pricing model (CAPM) increasingly overestimates expected equity returns relative to firms' … Read More »
A. Eisdorfer, E. Kohl, "Corporate Sport Sponsorship and Stock Returns: Evidence from the NFL," (working paper series)
Abstract: Most of the home stadiums/arenas of major-sport teams in the U.S. are sponsored by large publicly traded companies. Using NFL data we find that stock returns to the sponsoring firms are affected by the outcomes of games played in their stadiums. For example, the mean difference between next-day abnormal returns after a win and after a loss of the … Read More »
R. Israelov, L. Nielsen, "Still Not Cheap: Portfolio Protection in Calm Markets," (working paper series)
Abstract: Recent equity volatility is near all-time lows. Option prices are also low. Many analysts suggest this represents a good opportunity to purchase put options for portfolio insurance. It is well-known that portfolio insurance is expensive on average, but what about in calm markets? History suggests it still is. We investigate the relationship between option richness and volatility across ten … Read More »
B. Feunou, M. Jahan-Parvar, C. Okou, "Downside Variance Risk Premium," (working paper series)
Abstract: We propose a new decomposition of the variance risk premium in terms of upside and downside variance risk premia. The difference between upside and downside variance risk premia is a measure of skewness risk premium. We establish that the downside variance risk premium is the main component of the variance risk premium, and that the skewness risk premium is … Read More »
J. Joenvaara, M. Kauppila, "Hedge Fund Tail Risk: Performance and Hedging Mechanisms," (working paper series)
Abstract: We decompose hedge fund tail risk into two components: Systematic Conditional Tail Risk (SCTR), which arises predictably from equity market exposure; and Idiosyncratic Conditional Tail Risk (ICTR), which arises from proprietary alpha investment technology. First, we show that low-SCTR hedge funds deliver superior risk-adjusted returns, but not average returns. In contrast, low-ICTR funds provide both higher risk-adjusted returns and … Read More »


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Most JavaScript and CSS assets used by the XForms engine are available in two versions:
A full version, which may contain comments, spaces, longer identifiers, etc.
A minimal version, which is usually much smaller
You enable minimal resources in
properties-local.xml as follows:
prod mode:
dev mode:
Serving external CSS and JavaScript assets can have a high performance cost on page loads. This is particularly important with the intensive use of JavaScript in Orbeon Forms. In particular, it can be shown that serving many small files is slower than serving a single large file.
NOTE: In theory, HTTP pipelining can improve very much on this, but this is (very unfortunately) useless in practice at the time of writing because browsers do not implement it or do not enable it by default. HTTP/2 might help solve this.
There are 3 categories of asset resources:
built-in XForms engine resources, like
XBL components resources, like
user resources (placed in the
<head> element
Resources are split into 2 groups:
baseline resources, which include
main built-in XForms engine resources
XBL resources for components specified with the
oxf.xforms.resources.baseline property
other resources, which include
other built-in XForms engine resources, such as for the rich text editor or tree selection
XBL resources not part of the baseline
user resources
The idea is that this way, in an application with multiple pages:
a large baseline of resources is loaded and cached once and for all
a smaller incremental set of extra resources is loaded for each individual page
If all the resources belong to the baseline, only one JavaScript and one CSS files are produced. Otherwise, two JavaScript and two CSS files are produced.
The URLs produced identify the resources needed by the page, for example:
<link rel="stylesheet"href="/orbeon/xforms-server/orbeon-8b3d174e93f2d74146c9b2a5356bd5b8b5e196f8.css"type="text/css" media="all"><link rel="stylesheet"href="/orbeon/xforms-server/orbeon-e01218f47e6ecd43fb1c2295ccae2e688c443b62.css"type="text/css" media="all"><script type="text/javascript"src="/orbeon/xforms-server/orbeon-19e8d10829ccdd0d9aec779c0c89e5d1f57764dd.js"><script type="text/javascript"src="/orbeon/xforms-server/orbeon-3a3469eca94e6df9783e742067f464b57de4e2f3.js"/>
When the Orbeon Forms XForms server receives a request for a combined resource, it determine what files need to be combined and outputs them all together. Furthermore, for CSS files, all URLs referred to with
url() are rewritten, so that links to images, in particular, remain correct.
Some CSS and JavaScript files are never included into aggregated resources:
resources with `f:url-norewrite="true":
<xh:link rel="stylesheet" href="/style.css" f:url-norewrite="true"/>
resources with an absolute URL, such as:
<xh:link rel="stylesheet" href="http://example.org/style.css"/>
CSS resources with a
media attribute that is present but different from "all":
<xh:link rel="stylesheet" href="/style.css" media="print"/>
You enable this feature in
properties-local.xml as follows:
When this is enabled, Orbeon Forms combines JS and CSS resources.
prod mode:
dev mode:
Mappings between resources URLs and the resources are stored in the
xforms.resources cache, configured in
[SINCE Orbeon Forms 2017.1]
NOTE: These properties are mainly intended for internal use. Proceed with caution.
The default baseline of XForms assets is configured with the
oxf.xforms.assets.baseline property. Here is an example:
Minimal versions:
are enabled when
"min" is set to
true and
assume that an asset named
file.min.css is the minimal version for
oxf.xforms.assets.baseline.excludes property can be used to exclude assets.
It doesn't make much sense to use this property in a properties file. Instead, it should be used via an attribute on
xxf:assets.baseline.excludes="/ops/javascript/scalajs/orbeon-xforms.js /ops/javascript/scalajs/orbeon-xforms-launcher.js"
The baseline of resources is configured as follows:
<propertyas="xs:string"name="oxf.xforms.resources.baseline"value="fr:button fr:tabview fr:autocomplete"/>
The value consists of a list of qualified names referring to XBL components. Resources for the components specified are always included in every page, whether the component is used by the page or not.
In addition, you can enable caching on disk of combined resources with:
This cache works differently from other Orbeon Forms caches, as the result is stored in the resources, typically under:
One benefit of this mechanism is that it allows making such combined files to be served by an Apache front-end.
This is an Orbeon Forms PE feature.
This feature is enabled by default in Orbeon Forms PE.
With the introduction of run modes, the feature is disabled by default in
dev mode but enabled by default in
prod mode.
To further improve caching efficiency, Orbeon Forms supports enabling versioned resources. Usually, a resource such as a CSS, JavaScript or image file, is served through URLs like this one:
When configuring caching on the server, for example by using an Apache front-end, you may face a dilemma:
Caching aggressively (with an expiration date far in the future and no revalidation) so that the client asks for the resource as rarely as possible. Doing so may cause resources on the client to be out of date.
Caching for a shorter period of time or by forcing revalidation so that your client always has a fresh version of the resources. Doing so may cause longer page loads and more load on the server.
Orbeon Forms solves this by providing the option of using versioned resources, that is inserting automatically a version number within resource URLs.
You enable versioned resources in
<property as="xs:boolean" name="oxf.resources.versioned" value="true"/>
With Orbeon Forms PE, versioned resources are enabled by default in
prod mode.
You can configure an optional application version number for your own resources:
<property as="xs:string" name="oxf.resources.version-number" value="1.6.3"/>
Note that if this property is commented out or missing, no versioning takes place for your application resources even if
oxf.resources.versioned is set to
The Orbeon Forms version number is not exposed by default to users in the
prod run mode. You can change this by setting the following property to
<property as="xs:boolean" name="oxf.xforms.resources.encode-version" value="false"/>
When this is set to
true, the version number is HMAC-encoded with the configured password. This means the version number is stable, but cannot be guessed.
With versioned resources enabled, resources are served with URLs as follows:
The XForms Server component, which serves the resource in this case, sets an expiration date far in the future. For example, this is the description of the cache entry in the Firefox
about:cache page:
Key: http://localhost:8080/orbeon/xforms-server/58a8724010cd6fbe3ae7298de0a5c6e9dafc990b/orbeon-aa144f9fcd394054c18536a679b02ad4553e0048.jsFetch count: 2Last-Modified: Fri, 23 Jun 2017 06:23:34 GMTExpires: Fri, 20 Jul 2018 09:35:03 GMT
This means that the resource can effectively be cached "for ever" by a client. In case the client visits Orbeon Forms pages often, the resources will be available from cache, therefore reducing page loading times and server load as well.
When Orbeon Forms is upgraded on the server, the version number changes as well. An XForms page will refer to resources with the new version number, so the cached resource is not used by the browser and a new resource is loaded from the server, before being cached. This "magic" is enabled simply with the inclusion of the Orbeon Forms version number in the URL.
Only CSS and JavaScript resources used by the XForms engine are loaded through the XForms Server component. Other resources like images referred by XForms stylesheets are served by the Page Flow Controller, through URLs like this one:
With resource versioning enabled, the URL becomes:
When resource versioning is enabled, the Page Flow Controller by default serves all the resources defined in
<files> elements by first checking the
oxf.resources.versioned property. If versioning is enabled, the PFC removes the version number from the URL before searching for the resource on disk. It is possible to turn this behavior on and off selectively with the
versioned attribute. Here is how to turn off versioning for PDF files in
<config xmlns="http://www.orbeon.com/oxf/controller" xmlns:oxf="http://www.orbeon.com/oxf/processors"><!-- GIF images are loaded following oxf.resources.versioned --><files path-info="*.gif"/><!-- More file definitions here -->...<!-- PDF files are not versioned --><files path-info="*.pdf" versioned="false"/><!-- More file definitions here -->...<!-- More page definitions here -->...</config>
Conversely, resource URLs produced by an XForms page are automatically rewritten following the Page Flow's
<files> definitions.
The versioning mechanism is made available to your own application resources as well. Any resource whose path doesn't start with
/ops/ or
/config/ is considered part of your application, not of Orbeon Forms. In that case, the Orbeon Forms version number is not used, but you specify instead an application version number in properties-local.xml:
<property as="xs:string" name="oxf.resources.version-number" value="1.6.3"/>
For deployed application, you should upgrade the application version number whenever you modify application resources so that clients retrieve the proper resources.
The following scenario shows the entire lifecycle for application resources:
You create an image as
You refer to it as:
<xhtml:body><xhtml:img src="/apps/foo/bar.png" alt="My Image"/></xhtml:body>
With versioning enabled, the image path is rewritten automatically as follows:
Note that the application resource number is used because the resource is not part of Orbeon Forms.
Your browser sees a URL like:
When the browser loads the image, the PFC receives back:
The PFC knows that PNG files are versioned, so removes the version number and sends this resource to the browser:
From client-side JavaScript, you can access the application version number as follow:
var version = ORBEON.util.Utils.getProperty(APPLICATION_RESOURCES_VERSION_PROPERTY);
Versioned resources served by the PFC (that is all the resources except the XForms engine's CSS and JavaScript resources) also get an aggressive expiration date.
In case you use Apache, you can in addition configure a rewriting rule with mod_rewrite to allow Apache to directly load resources containing a version number, as shown below.
NOTE: We recommend restarting Orbeon Forms after changing the
oxf.resources.versioned property, as data in Orbeon Forms caches may not be made aware of the change until the next restart.
WARNING: As of 2017-03-03, these configuration are likely out of date.
Here is how you can configure Apache to serve Orbeon Forms resources. This assumes the following:
Orbeon Forms deployed under the
/orbeon context
Orbeon Forms exploded WAR file under
orbeon-resources-public.jar unziped under
oxf.xforms.cache-combined-resources set to
true in
Without resources versioning:
RewriteEngine on# Rewrite CSS and JavaScript resources served by the XForms Server# -> make sure "oxf.xforms.cache-combined-resources" is set to "true" in properties-local.xmlRewriteRule ^/orbeon/(xforms-server/.*\.(css|js))$ /home/orbeon/war/WEB-INF/resources/$1 [L]# Serve /config/theme resources# -> make sure orbeon-resources-public.jar is unzipped under "orbeon-resources-public"RewriteRule ^/orbeon/(config/theme/.*\.(css|png|gif))$ /home/orbeon/war/WEB-INF/orbeon-resources-public/$1 [L]# Serve /ops resources# -> make sure orbeon-resources-public.jar is unzipped under "orbeon-resources-public"RewriteRule ^/orbeon/((ops|config/theme|xbl/orbeon)/.*\.(gif|css|pdf|json|js|png|jpg|xsd|htc|ico|swf))$ /home/orbeon/war/WEB-INF/orbeon-resources-public/$1 [L]# Serve remaining resourcesRewriteRule ^/orbeon/(.*\.(gif|css|pdf|json|js|png|jpg|xsd|htc|ico|swf))$ /home/orbeon/war/WEB-INF/resources/$1 [L]
With resources versioning:
RewriteEngine on# Rewrite CSS and JavaScript resources served by the XForms Server# -> make sure "oxf.xforms.cache-combined-resources" is set to "true" in properties-local.xmlRewriteRule ^/orbeon/xforms-server/[^/]+/(.*\.(css|js))$ /home/orbeon/war/WEB-INF/resources/xforms-server/$1 [L]# Set far expiration date<LocationMatch "^/orbeon/xforms-server/([^/]+/.*\.(css|js))$">Header set Expires "Wed, 1 Jan 2020 12:00:00 GMT"</LocationMatch># Serve /ops resources# -> make sure orbeon-resources-public.jar is unzipped under "orbeon-resources-public"RewriteRule ^/orbeon/[^/]+/((ops|config/theme|xbl/orbeon)/.*\.(gif|css|pdf|json|js|png|jpg|xsd|htc|ico|swf))$ /home/orbeon/war/WEB-INF/orbeon-resources-public/$1 [L]# Set far expiration date<LocationMatch "^/orbeon/[^/]+/((ops|config/theme|xbl/orbeon)/.*\.(gif|css|pdf|json|js|png|jpg|xsd|htc|ico|swf))$">Header set Expires "Wed, 1 Jan 2020 12:00:00 GMT"</LocationMatch># Serve remaining resourcesRewriteRule ^/orbeon/[^/]+/(.*\.(gif|css|pdf|json|js|png|jpg|xsd|htc|ico|swf))$ /home/orbeon/war/WEB-INF/resources/$1 [L]# Set far expiration date<LocationMatch "^/orbeon/[^/]+/(.*\.(gif|css|pdf|json|js|png|jpg|xsd|htc|ico|swf))$">Header set Expires "Wed, 1 Jan 2020 12:00:00 GMT"</LocationMatch>
All in all, the rules above perform the following:
Special handling for XForms JavaScript and CSS files (using the cached/combined/minimized resources)
Serving of
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Serving of other
/ops resources originally in
Serving of other resources under
Marking all versioned resources with an expiration date in the far future
With Orbeon Forms 2019.1, this feature is removed from Orbeon Forms and the
oxf.xforms.resources.javascript-at-bottom property doesn't have any effect.
With Orbeon Forms 2018.1 and 2018.2, this feature is deprecated and scripts are by default placed within the
<head> section with the
defer attribute.
With Orbeon Forms 2017.2 and older, this feature is enabled by default.
See Yahoo's Best Practices for Speeding Up Your Website


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Kirk & Lesley would like to share their heart with you by telling you this music you are listening to came from a dark time of loss, hurt and great personal sacrifice.Read more
Music for Harvest is just that… Music for the Harvest…. Passionate, truthful music from broken people that have had a real experience with the Creator of All! Music that is inspired by and will usher in the presence of GOD and change people's hearts, bring healing to the sick and hurting, (mental and emotional healing as well). Honest music that is not lead by the pride of men's hearts but the willingness to simple be a pawn in the Masters hand…… sometime the most valuable piece on the board, and at other times, meant to be used as a sacrifice for a greater purposes for the good of many others. After the Word of God, we believe there is not a more powerful tool than music. Plato said, Music is a moral law, and societies will shall be governed by their music. In North America, music governs many peoples lives, emotions and thought patterns. These patterns can be broken with powerful prayer, anointed worship, testimonies, and preaching the Word of the Risen Savior, Jesus Christ. The vision, taking it to the people, with soul winning evangelism, life changing worship experiences, alongside local church bodies. We truly want people who know Jesus, on an intimate level and come to a greater understanding of who He is, what HE did and why HE did it. Our heart is for all people to know the true and real God that dwells inside those who believe and have received God's gift of everlasting life through His Son Jesus Christ. Kirk and Lesley's intend to fulfill their God given call together as Evangelists, Worship Leaders & Motivational Speakers.


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(April- May- June)
In this issue:
- Amazon Smile Link
- Welcome home (referrals and arrivals!)
- India License Renewal until 2021!
- Bal Jagat- Children's World Inc. 2016 Country Programs
- China group number (for healthy young referrals)
- Hague Accreditation Renewal until 2020!
- Thank you to Jane Morgan for her donation of $300!
- ALP April- Anxiety and Depression in Adopted Children
- ALP May- Raising Black Boys
- Agency information


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text:
The Schengen agreement was signed in 1985 and came into force in1995. Since then, it has been signed by 26 European countries, among those Spain. This agreement signed in Luxemburg established the elimination of border controls allowing millions of people to freely travel among the member countries.
Citizens of Andorra, Argentina, Mexico, Brazil, Chile, Australia, Canada, Japan, South Korea, New Zealand and the United States are permitted to enter Schengen territory without a visa as there are agreements established with those countres allowing freedom of movement up to a maximum of six months from the date of arrival.
This agreement also has as an objective to re-enforce the exterior borders in judicial and police cooperation, in an integral constitutional and juridical framework of the European Union.
Schengen student visa for stays no longer than 90 days
The citizens of a country that has signed the agreement to travel to another country ratified as inclusive of the Schengen agreement, will not need a visa and may travel with only a national identity document.
And for those foreign students who are non-residents and do not belong to any country in the agreement, a passport and a Schengen visa valid for all countries will be necessary. This communal visa will save procedures at the time of applying for access to each country (see the article: "Visa requirements to do a Spanish course in Spain").
Entrance requires a declaration by the competent authorities, having duly been completed within three working days upon arrival.
Come to Seville and get to know us, our school of Spanish in Spain forms part of a network of accredited centres of the Cervantes Institute of Spain which guarantees you the academic quality of our Spanish courses in Spain.


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Indians are not really aware of what is happening in the Russian literary scene today.Shutter Stock/Legion Media
The Mumbai International Literary Festival, 'TATA Literature Live!' hosted at the National Centre for Performing Arts (NCPA), the city's prominent hub of music, theatre and performing arts earlier this month, saw participation of authors from the United States, Australia, Canada, Britain, Egypt and Brazil. Russian writers, however, were not there.
In an interview with RIR on the sidelines of the festival, a prominent Indian novelist and playwright, Kiran Nagarkar recalled that when he was a child everyone in India gushed over Russian writers, especially children's books. "The main part was that they were very sensibly priced. I come from a very poor family, so I know, that time anyone could afford it," Nagarkar said. "I don't know why this stopped completely. But if we are to learn what terrific writing is going on in Russia, the Russians should make some attempts to bring their authors across and introduce us to their work".
Nayantara Sahgal, renowned author (and Jawaharlal Nehru's niece), admitted that people in India were not really aware of what is happening in the Russian literary scene today and said it would have been great if literary festivals in India started inviting Russian writers.
Anil Dharker, founder and director of the Mumbai International Literary Festival, said in a conversation with RIR, that they had requested the Russian Consulate in Mumbai for Russia's participation in the festival, but did not get any positive response. "But the offer is open for next year. Every year we keep adding more and more countries, and we will definitely go back to the Russian Consulate again," he said.
Vladimir Dementiev, head of Russian Center for Science and Culture (RCSC) in Mumbai, told RIR he contacted the Union of Russian Writers regarding this invitation. The time, however, was very limited. "Our Indian colleagues were a bit too late in informing us about this event, I believe, since the financial planning in Russia is happening much in advance. Otherwise, I am sure that Russian writers are very much interested in establishing contacts with India and visiting this country," Dementiev added.
With five branches in India, RCSC has been constantly conducting various cultural events, including literary ones. The anniversaries of renowned Russian classical authors like Sergey Yesenin, Anton Chekhov, Mikhail Sholokhov, Aleksandr Kuprin, Nikolai Ostrovsky and others are celebrated through lectures, exhibitions and literary readings, Dementiev said. Earlier this year Russian poet and writer Oleg Bushcko, the founder of "Pushkin in Britain" festival, visited India to participate in the Jaipur Literature Festival and conducted several lectures on Russian literature in Delhi.
However, literary events organized by RCSC often remain limited to the Russian expat community and scholars, students of Russian language as well as Russia's alumni while larger Indian population remains unaware about these numerous opportunities provided by Russian centres to learn about the past and present of Russia.
Now and then
While the names of Leo Tolstoy, Fyodor Dostoyevsky and Maxim Gorky are widely known in India, the names of contemporary writers such as Victor Pelevin, Lyudmila Ulitskaya, Boris Akunin, Vladimir Sorokin and many others are unlikely to ring a bell.
Natasha Perova, founder and editor of Glas, a Russian independent and non-profit publisher of contemporary fiction which has translated in English and published as many as 170 Russian authors believes the awareness about contemporary Russian literature in India has decreased since the collapse of Soviet Union.
"In Soviet times many Russian authors were available in India as it was largely supported and subsidized by government. We had a big team translating these books both in English and vernacular languages of India. But since 1991, this all has stopped," said Perova, who was editor-in-chief of the Soviet Literature magazine English edition in 1980s.
She noted that some books published by Glas in the recent past are available in Indian universities with Russian studies departments. However, access to them remains limited to academia. Perova herself tried to offer Russian translations to Indian publishes about a decade ago, but did not get any positive feedback, she says. "I spoke to many prominent publishers but they were not really interested despite the fact that many Indian scholars have translations of Russian authors with them," Perova told RIR.
Ranjana Saxena from Delhi University's Slavonic & Finno-Ugrian Studies believes that if contemporary Russian literature is to become popular among mass readers in India, it has to be translated into vernacular languages, Hindi, Marathi, South Indian languages and Bengali, first. English reading audience, according to her, is limited.
However, she notes, publishing books without government support is difficult as publishers in India are not ready to invest money in names neither they nor the readers in India know. "Translation and publishing process is guarded by WTO and intellectual property rights, which implies large royalties to be payed for translations. Publishers are often reluctant to publish translations," she said. "So it is a question of demand and supply. You cannot create demand unless people are aware about Russian literature, but they cannot be aware unless books are available".
Opportunities for translators
There are presently few funds that support translation and publishing of Russian contemporary authors in foreign languages. Read Russia, a government initiative launched in 2012, is one of them. Through this, translators and publishers can receive grants from the Federal Agency for Press and Mass Communication (Rospechat) and the Institute for Literary Translation, an autonomous nonprofit organization, for translation of Russian literary works into foreign languages.
Transcript, a program of the Mikhail Prokhorov Foundation, a private charity, is another fund supporting translation of Russian contemporary Russian fiction, poetry and non-fiction since 2009. Some Indian publishers have applied and a few have received these grants.
Assam Book Hive received a grant for publishing Mandelstam's selected poems in English and Selected works by Anna Akhmatova in 2009. In 2013, Kalachuvadu Publications from India got a grant for publishing Dostoevsky's 'The Brothers Karamazov' while Yatra Books received support for publishing the new translation of the 'Indian fairy tales and legends, collected in Kumaon in 1875' written by Russian Orientalist Ivan Minayev. The book, originally written in Russian in 1875, is now available in India under the title "Clever Wives and Happy Idiots: Folktales from the Kumaon Himalayas."
Dr. Akella Charumati Ramdas from English and Foreign Languages University (EFLU), Hyderabad, is among many scholars and translators who have been translating Russian contemporary authors into Indian languages. She has recently applied for grants to publish her Hindi translation of Roman Senchin novel The Yeltyshevs (2009) and the translation of Mikhail Bulgakov' s The Master and Margarita which she had completed back in 1998. Several other Indian translators have applied for grants for publishing of Dostoevsky and Chekhov in Indian languages.
"The schemes offered by Read Russia and the Mikhail Prokhorov Foundation are very lucrative for translators and publishers in India. However, such funds should support not only translation but also acquisition of rights, in case of modern literature, and publication costs, to make publishers in India really interested," Ramdas added.
Saxena agrees that the copyright royalties contribute to the high costs of publishing. She has recently been given rights to translate "Voices from Chernobyl" by Svetlana Alexievich, who was awarded Nobel Prize for Literature this year, by the author herself. According to Saxena, Indian publishers are now keen to publish this book not only because the author is a Nobel laureate, but also because they do not have to pay for the rights which makes it much more affordable for publishers.
Svetlana Alexievich and several other prominent Russian writers visited India in 2008 on an invitation from the Indian Association of Teachers of Russian Language and Literature (INDAPRYAL).
All rights reserved by Rossiyskaya Gazeta.
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|Image via Wikipedia
|Big announcement
It had to be a big hat!
Up for grabs was a copy of Death in Malta in paperback, remember? The emails came thick and fast at first, and then dwindled to a stop, with one straggler coming in just before I closed the draw at midnight on October 31.
I have used a special raffle software called The Hat. It's a nifty little program that's great for teachers and large families!
|The prize
Margaret SutherlandCongratulations, Margaret - the book is on its way to you by snail mail.
Those of you who have missed out will be glad to hear there will be another similar draw closer to Christmas.
See you all again then.


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text: Contact Us If you are human, leave this field blank. Whom would you like to contact? * Club Officers Lesson Coordinator Tech Support Membership Newsletter Club Officers President - Katie Novotny 1st VP - Mike Anderson 2nd VP - Emily Palomo Secretary - Guy Purcell Treasurer - Les Vander Wal Range Captain - Paul Kaplan Scorekeeper - Jim Purcell Publicity - Dave Stauffer Member at Large - Gloria Purcell Member at Large - Karen Boyer Member at Large - Charles Hoynowski Select a Club Officer Name * First Last * Last Email * Subject * Message * Captcha Submit Phone us: 650-241-8440(Voicemail Only & Informational Recording) Write us at P. O. Box 2794Redwood City, CA 94064-2794


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I started this post last week, but like so many other things, it was left unfinished. Hopefully I'll get it done this time!
|Iris lyrics found here
If I'm being honest with myself, one of the first things I ever dreamed about being as a little girl was a singer. From there my dreams morphed into various other professions like being an astronaut, or a police officer, or an actress, an archeologist, a marine biologist, an architect...the list goes on. But that initial dream remained deeply ingrained in me.
I know I don't have a big voice, but I can carry a tune and I sing on a daily basis. With shows like Glee, Smash, and Nashville, I'm constantly inspired and American Idol makes me feel like I could make my little girl dream come true.
I've been writing "lyrics" for quite some time now. Secretly of course. I dare not share anything with anyone because I don't want to hear if they're awful or not. I also use quotes because I'm the only one calling them lyrics. Others may just call them poems, but I beg to differ. Sometimes the words just come to me out of thin air while other times I hear a short tune and suddenly I've got a completely different song in my head and it's my own. It's more than just replacing words with an existing chorus, it's transforming a clip into something new.
The hard part for me is completing a song. I have partial songs written in more places than I can count, but the ones that stick around in my head are the ones that really make progress. A lot of times it's nostalgia that triggers these lyrics to come out and it's my way of working through that nostalgia. I have a hard time letting go of certain things and writing them out in song form seems to help. I've even got some melodies floating around in my noggin. One of these days I'd like to sit down with someone and work on a song together. I'd even like to record it if it were good enough. Who knows if I'll ever have the opportunity to fulfill my wish, but it is nice to dream. In the meantime, who wants to start a band?!


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Medium Armor
Armor Class (AC): 13 + Dex modifier (max 2)
Strength: —
Stealth: —
Weight: 20 lb.
Cost: 50 gp
Made of interlocking metal rings, a chain shirt is worn between layers of clothing or leather. This armor offers modest protection to the wearer's upper body and allows the sound of the rings rubbing against one another to be muffled by outer layers.


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Its the beginning of a new year, and with a new year we give way to new colors. Colors change every year, but some colors are classic, and never go out. In the hotter seasons we move on to bright colors, whereas in the colder seasons we embrace the warmer and neutral colors. Trends are however changing, and its even appropriate to wear something bright in winter and I love that because who wants to wear cool and neutral colors when you can spice things up and still look super gorgeous.
The color palette is perfect, it has just the right mix of colors. This year the colors are not as bold, but they can make a statement if you let the colors speak for themselves. According to the Pantone Fashion Color Institute, the colors of 2016 are:
Rose Quartz
Rose Quartz is a very subtle but appealing color. Its soothing and calming, and it can be bold if worn correctly, I absolutely adore this shade. Rose Quartz is a rosy pink, and its intensity can vary from a pale gentle tone to a compassionate rose red hue. This shade of color can be worn differently according to the season and ones skin tone.
It would work well with Peach Echo, Serenity and Lilac Gray.
Peach Echo
I love this color, and I'm super excited to be wearing it this year. This tropical color is a mixture of natural flavors of White Peach and Mango, which resulted into the beautiful tropical color known as Peach Echo. This color has a slight undertone of Rose Quartz but its definitely bolder and slightly more daring. This shade contains warmer qualities.
It could work well with Rose Quartz, Serenity and Lilac Grey.
Serenity is a cooler shade of blue, its a pretty shade of blue, a kind of baby blue that emanates coolness and serenity. It gives one a feeling of calmness, its weightless and airy .
It would work well with Peach Echo, Snorkel Blue and Buttercup.
Snorkel Blue
Another shade of blue on the Pantone Color Report, this shade however is different from Serenity. This color is relaxing but not as relaxing as Serenity. Snorkel blue emanates boldness, confidence and royalty. With the striking undertones, the color speaks for itself.
This color would work well with Peach Echo, Buttercup and Iced Coffee.
Buttercup, also known as a vibrant yellow, contains distinctive characteristics which makes it different from the usual yellow. It has colors of gold yellow, yellow, green. Compared to the other shades, Buttercup is bright and cheery.
It would work well with Snorkel Blue, Serenity and Lilac Gray.
Limpet Shell
Yet another shade of blue, quite different to the other shades of blue. Limpet shell is a shade of aqua, it emanates calmness. Its one of those light and airy colors. It gives one a feeling of being carefree, and its absolutely dreamy.
It would work well with Peach Echo, Rose Quartz and Iced Coffee.
Lilac Gray
Lilac Gray is an in-between shade, made up of elements of Lavender and Gray. Its a soft, calming color that emanates elegance. Lilac gray has an undertone of lilac, thereby giving an edge to the classic gray. Lilac Gray can be worn all year round.
It would work well with Green Flash, Iced Coffee and Fiesta.
Fiesta is a bold hue with an undertone of yellow, its a mixture of red and yellow, not as fierce as red but rather more vivid. It celebrates color, encourages adventure, and screams excitement. This color is definitely for the bolder, that thrive on making a statement.
It would work well with Limpet Shell, Snorkel Blue and Green Flash.
Iced Coffee
Iced Coffee is a perfect balance of the natural shades, its a light, subtle shade of a creamish brown. Its a strong neutral color that can be worn throughout the year. It contains natural and earthy qualities with a touch of subtlety.
It would work well with Rose Quartz, Serenity, Lilac Gray.
Green Flash
The color Green Flash has been taken from the flash of green that occurs for a second or two at sunset as the sun changes color. This hue is natures representation of the environment, that has become quite persistent in the fashion industry.
It would work well with Serenity, Snorkel Blue and Limpet Shell.
Each color on the palette is unique, although it has been predicted Rose Quartz and Serenity will be ruling 2016.


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Imagine providing your customers and clients with a trendy 6" x 8" Gel Beads Cold/Hot/Therapy Pack that is customized with your logo and information! Sold per case. 30 per case. They are unique and practical promotional products with legitimate therapeutic and treatment benefits. They make excellent marketing pieces for any chiropractic, physical therapy, massage therapy, dental, healthcare or medical application. The durable polyester film and re-usable nature of the packs keeps your message and information in front of your clients for years. Each pack is individually poly-bagged with a backer/instruction card. MADE IN THE USA.
- "Stay-Soft" and pliable when frozen
- A variety of gel bead colors available
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- Individually poly-bagged with a backer/instruction card
- BUY IN BULK AND SAVE. Price discounts apply when you buy 3 to 5 or more than 6 cases
***Once you upload your artwork file and/or your text information and place your order, you will receive an artwork proof via email for your approval before we begin production***


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For three hours on one Saturday every month, Rwandans are required to participate in a nationwide clean-up effort. more...
November 11 , 1918 : World War I ended. more...
Learn something new every day
More Info... by email
Danio fish are a peaceful species of freshwater aquarium life. There are many types of danio fish, including zebra danios, pearl danios, leopard danios, and gold danios. Zebra danios, with their distinct colorful stripes, are the most common.
Danios are small fish that are, on average, between one and a half and two inches (2.8 to 5 cm) in length. They prefer to live in groups of at least six fish and will school together. This passive species is an ideal choice for an aquarium that has a few more aggressive fish. Danios will not provoke other fish, and may instead serve as a gentle distraction as they meander peacefully by.
These fish prefer an environment that is on the colder side, around 64 to 75 degrees Fahrenheit (17.8 to 23.9 degrees Celsius). They are very tolerant, however, and can adapt to conditions both warmer and cooler. Danios are great for novice aquarium owners because of their adaptability and hardiness.
The ideal aquarium for danio fish will be at least 20 gallons (75 liters) with plenty of open space to allow them to school together and swim around the tank. It should also have some vegetation for them to hide in and swim through. The aquarium should have a lid on it at all times as some types of danio, such as the zebra and leopard danios, will jump.
Danio require a varied diet that provides ample nutrition. A nutrient-rich flake food is a good base. Combine this with occasional feeding of freeze-dried blood worms. Provide frozen brine shrimp from time to time for an additional treat.
The life span of danio fish is typically between two and five years. These fish are very easy to breed, so a vigilant owner may be able to continuously add to his aquarium by breeding them. When breeding danio, the water should be kept at a temperature of 78 degrees Fahrenheit (25.5 degrees Celsius). The adults should be removed from the breeding tank as soon as they have spawned as they will eat the eggs as well as the babies once they hatch.
Compatible tank mates for danio fish include tetras and corydoras. An aggressive male beta can be kept in this type of tank as well, as the passive danio will help keep him calm. Keep in mind that danio come in many varieties and these all are compatible with one another.
One of our editors will review your suggestion and make changes if warranted. Note that depending on the number of suggestions we receive, this can take anywhere from a few hours to a few days. Thank you for helping to improve wiseGEEK!