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The CRISP consortium will host a number of workshops in the course of the project. Further information on topics, dates and locations will be posted on this page nearer to the time.
Upcoming Workshops
Towards embedding data protection and other socio-legal requirements in the certification of security systems
– Workshop for DPAs and data protection experts –
Agencia Española de Protección de Datos, Madrid (Calle de Jorge Juan 6)
30 September 2016, 9.30-16.30
To register please contact Eva Kalan: email@example.com (Registration is open until 20 September 2016)
At the workshop CRISP project's approach to certification of security systems which places an emphasis on social dimensions and data protection will be presented and discussed, together with broader questions related to certification in the context of the new General Data Protection Regulation. The workshop will be an opportunity for the data protection authorities to discuss these issues and to share their experience with certification and their expectations about the extent to which certification can assure compliance with data protection legislation.
Towards embedding socio-legal requirements in the certification of security systems:
'Guidelines for the evaluation of installed security systems, based on S-T-E-Fi criteria'
17 October 2016, Delft, Netherlands
The CRISP consortium and CEN-CENELEC invite interested parties to attend the kick of meeting for a CEN Workshop agreement for the CRISP assessment methodology.
A CEN Workshop Agreement (CWA) is an agreement developed and approved in a CEN Workshop; the latter is open to the direct participation of anyone with an interest in the development of the agreement. A CWA is a best practice document for further standardisation efforts. A CWA does not have the status of a European Standard and it involves no obligation at national level. A CWA may not conflict with a European Standard.
The aim of the workshop is to develop a CEN-CENELEC Workshop agreement consisting of:
1) the methodology for the evaluation process of the installed security systems
2) adapt and further refine the S-T-E-Fi criteria for the evaluation process of security systems, specifically for installed video-surveillance systems. The scope excludes the certification scheme itself.
The working language during the Workshop is English. The CWA will be drafted and published in English. The estimated duration of this workshop is 8-10 months. During the Workshop lifetime, several meetings are foreseen depending on the project evolution. All costs related to the participation of interested parties in the Workshop's activities have to be carried by themselves. There is no fee for the registration to the workshop.
The kick-off meeting is scheduled for 17 October, at the premises of NEN in Delft, The Netherlands. All interested parties are welcome to register for participation.
Registration information can be found on the website of CEN-CENELEC.
Agenda for the Kick Off Meeting.
Past Workshops
Workshop on the CRISP Roadmap AND
Roundtable with certification and accreditation bodies on CRISP Certification Manual
11 and 12 May 2016 Westcord Hotel, Delft, Netherlands
Please register here.
We are now at the stage of building a roadmap for the uptake and vision of the proposed CRISP certification scheme and developing a Certification Manual (containing basic information and guidelines for establishing the proposed certification scheme).
We kindly invite you to register for one or both events below (please note the different target groups):
- 11th May 2016 – Validation workshop on CRISP Roadmap which is aimed at both supply and demand side of security systems (alarm systems), as well as other relevant stakeholders, policy makers, regulators, certification, and accreditation bodies.
- 12th May 2016 – Round table on CRISP Certification Manual which is aimed at representatives from certification and accreditation bodies.
We will seek your feedback to our findings, which will help us to improve and revise our output. All relevant documentation will be distributed to you for review before the events.
Please see agenda for the 11 May CRISP roadmap Workshop here.
Please see agenda for the 12 May CRISP roundtable event here.
Past Workshops
Workshop on CRISP Certification Process and Methodology
Towards A European Certification Scheme for Security Products, Systems and Services
3 September 2015
Center for Technology and Society, Technische Universität Berlin, Berlin, Germany
Bacground: The CRISP project will enhance existing security evaluation and certification schemes by offering an innovative evaluation methodology that integrates security, trust, efficiency and freedom infringement assessment dimensions. The proposed scheme will be based on a taxonomy encompassing a variety of security products and services across applications, taking into account the varying roles of a diverse stakeholder community including manufacturers, regulatory and certification bodies, data protection authorities and end users.
Aims of the workshop: Inviting a range of stakeholders, this CRISP workshop aims to present and discuss the developed CRISP certification methodology for security products, systems and services (PSS). The workshop will also seek to summarise requirements for a clear roadmap for the proposed CRISP certification scheme and certification manual. The workshop will present a range of range of speakers which will give different perspectives on certification of security PSS, e.g., from view of public authorities, certification bodies, as well as experts on freedom and ethical dimensions. The workshop will also seek to validate the current findings of CRISP and the way forward, in break-out sessions. Click here for agenda and further information.
Participants: The workshop is aimed at both supply and demand side of security PSS, as well as regulators, policy makers and civil society representatives.
To register please visit: https://www.nen.nl/Evenementen/CRISP-registration-Sep2015.htm
The Venue: The workshop is organised by the Technische Universität Berlin and will be held at the Center for Technology and Society in Berlin, Germany.
First CRISP Workshop on Stakeholder Needs Regarding Certification of Security Products, 4th December 2014 in Amsterdam
The first CRISP workshop on Stakeholder needs in certification of security products, systems and services, will be held in Amsterdam on 4th December 2014.
This workshop aims to ascertain the need for new standards and a European certification scheme to evaluate security products, systems and services. Inviting a range of stakeholders from the security sector, standardisation and civil society, it will seek to validate research findings from research undertaken by CRISP partners which focuses on mapping stakeholder views on evaluation and certification of security products, systems and services.
A draft version of the research report will be distributed to attendees before the workshop for their review. The workshop will seek to validate its findings and come up with conclusions on the need for new standards and certification schemes to evaluate security products, systems and services.
We still have a few places available for relevant stakeholders. If you would like to attend, please email Thordis Sveinsdottir (email@example.com)
Workshop location is NH Amsterdam Schiphol Airport, Kruisweg 495, 2132NA Hoofddorp, Amsterdam.


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Is Mandira Bedi aiming for another Kollywood film?
Mandira Bedi has not appeared in a lot of Kollywood films since she made an arresting appearance in the movie Manmadhan with Silambarasan. Even though the appearance was brief, it was good enough to stay in the minds of Kollywood fans. Add to that the fact that she appeared many times on sports channels where she talked pretty knowledgeably about Chennai Super Kings makes her a very popular girl in Chennai. Now we see that the shy girl from the film Dilwale Dulhania Le Jayenge was vacationing in Maldives with husband Raj Kaushal and son Veer. Naturally the Tamil press got hold of the news and they were on the beach to take pictures of her. She was only too happy to oblige dressed in some of her own designs. She had paired her saree with a bikini top and boy did she look good! Are we going to see her in a new Kollywood film? She has definitely made an impression with her beach fashion.
Mandira Bedi Latest Stills with her Family in Maldives
Photo source – Instagram

subset: commoncrawl


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What is a consortia?
Indicates a consortia of research institutions or a research collaboration between multiple institutions. Each member institution of the consortia or collaboration receives an equivalent fractional count for every affiliation the collaboration is included in. Often consortia and collaborations are international and in some cases there is no home research facility.


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The Ultimate Guide to Palm Oil Free, Vegan Milk
We've probably said it a hundred times: If you want to lessen your consumption of conflict palm oil, cut back on processed foods. Your mind likely wanders to cookies and microwave dinners, but processed doesn't always equal junk. Vegan and low-fat milks are right up there with the best of them. Take a break from all of those articles on carrageenan and turn your eye to synthetic vitamins instead.
Namely, let's look at Vitamin A Palmitate. This supplement, which dominates the market, is too often derived from conflict palm. Generally, brands are simply complying with guidelines from government agencies with nutritional axes to grind. In the interest of simplifying your next shopping trip, here are a few brands that are 100% palm oil free:
On the other hand, the brands below largely contain palm oil but have just a few varietals (see # and note) that happen to be palm oil free:
To clarify what is palm oil free:
WestSoy's organic and organic unsweetened. All of Pacific's soy products: Ultra Soy, Select Soy, and Soy. All of SoDelicious' coconut and cashew milks contain Vitamin A acetate instead of palmitate. While Suzie's makes oat and quinoa milk, only the tiger nut variety is POF. Milkadamia's barista-quality milks is the only palm oil free varities that they offer.
Quick Tips
So, say your phone is dead or you're in a place where zero of the above milks are sold. Allow us to impart some survival skills for finding what you need: A dead giveaway will be the nutritional facts — at least 10% of Vitamin A is indicative of possible palm oil. If you don't feel like turning every Tetra Pak carton around, reach for unsweetened varieties because they are more likely to be conflict-free. Finally, seasonal flavors and barista-quality milks (i.e. formulated to steam well) are likely good choices because they're non-essential food items.
Basically, the FDA knows that you're not pouring eggnog-flavored milk in your cereal everyday—probably just a couple days a year—so they don't bother to fortify said milk artificially.
If You Can…
Try making your own milk at home. Soy is probably the best choice, considering cost and nutritive value. Then rice, almond, and the other nuts and seeds. If it can be soaked and blended, you can probably make a drink out of it.
Editor's Note: While all EdenSoy milk is palm oil free, they didn't make this cut because, well, their owner is a misogynistic garbage-person. See here.


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Technical Sprays
Produts for cleaning & degreasing, lubrication, care & protection or problem solvers for special challenges in workshops, production, household or hobby.
-> Technical sprays
Industrial Coating
High-quality spray paints for repair of small areas or for colour-matching of zinc-plated parts in the field of industry.
-> Industrial coating


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Pearl Mini - 3yr SupportPlan+
- Brand: Epiphan
- Availability: Out Of Stock
We are pleased to offer you options for extended support and service through Epiphan's SupportPlan and SupportPlan+. Not sure if you need a support plan? No problem, our plans can be purchased anytime within the first year of ownership (one year from the original ship date). Specifications:


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About this Research Topic
Calcium (Ca2+) is an incredibly versatile signaling ion that dictates cellular life and death. Many of these decisions are taken by the mitochondria, which are strategically positioned very close to the endoplasmic reticulum (ER), the main intracellular Ca2+ store. Thus, while spontaneous low-level Ca2+ release from the ER transfers to the mitochondria to support housekeeping bioenergetics, large and sustained Ca2+ signals generate mitochondrial Ca2+ overload inducing apoptosis. Therefore, cell fate critically relies on the transfer of Ca2+ from the ER to the mitochondria. This depends on the function of Ca2+-transport systems, including the inositol 1,4,5-trisphosphate receptors (InsP3R) and ryanodine receptor (RyR) Ca2+ release channels in the ER, the voltage-dependent anion channel 1 (VDAC1) in the outer mitochondrial membrane and the recently described components of the inner membrane mitochondrial Ca2 + uniporter (MCU) complex. The latter represents the dominant pathway for Ca2 + influx into the mitochondrial matrix and includes the Ca2+-transport unit MCU and its associated proteins MICU1/2, MCUR1 and EMRE. Clearly, altered Ca2+ dynamics and oncogenesis are tightly linked. Indeed, changes in the expression and regulation of Ca2+-transport systems directly impact several hall-marks of cancer cells. Moreover, a growing list of tumor suppressors and oncogenes have been elucidated to execute part of their functions through Ca2+ signaling, either impacting the expression of Ca2+ channels and pumps or directly regulating the Ca2+-flux properties of these transporters by forming multi-protein complexes. Finally, also successful anti-cancer therapies appear to rely on their ability to elicit intracellular Ca2+ responses. Yet, insights in the role of the ER-mitochondrial Ca2+ communication in cell metabolism, cell cycle and anti/apoptotic signals and how this aspect is altered in oncogenesis and cancer cells are just beginning to be revealed, although important discoveries in this area have been very recently made.
The aim of this Research Topic is to thoroughly review current knowledge on the ER-mitochondrial Ca2+ communication in cancer, and to discuss its potential as a therapeutic target. We welcome original contributions, short communications and review articles.
Important Note: All contributions to this Research Topic must be within the scope of the section and journal to which they are submitted, as defined in their mission statements. Frontiers reserves the right to guide an out-of-scope manuscript to a more suitable section or journal at any stage of peer review.


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In the automotive aftermarket since 2010, Erie Automotive Aftermarket Holdings is the exclusive licensee of the mark RainEater Wiper Blades - high quality beam windshield wipers that safeguard your wellbeing on the road.
Erie Automotive operates in 12 geographic markets, where they sell to auto inspection, repair, tire stores, oil and lube shops,all on consignment, as well as through an e-commerce channel and their distributor program, having over 2000 customers overall.
Erie Automotive was looking to grow and do their business more efficiently just like all big players in the market always do. Back in 2012, inventory control was one of the main concerns for the company, inventory being the lifeblood of their business. They were looking for a way for their replenishment personnel to interface with QuickBooks several time throughout the day along with an easy way to track inventory from multiple places throughout the country.
It is exactly when Erie Automotive came across the HandiFox inventory app that satisfied their major requirements for the inventory software - tight integration, ease of use and accuracy. It took them just a couple of days to get up and running.
"We have 7 route managers in the field that use Handifox every day. The main features we use are invoicing and payments, printing and inventory control", says Jeff Fatica, CEO Erie Automotive Aftermarket Holdings (RainEater Wiper Blades). "The system itself runs at, I would guess, 98% efficiency and very little need for support. And when we do need it Eugene is our contact and he is always on it."
We at HandiFox are proud to aid small businesses in their everyday operations which in the long run is part of their continued success in the market. We appreciate Jeff and his team staying with us throughout these 5 years and wish you guys happy customers and a growing business where inventory is never an issue!


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THE master has use Exclusive kara-ritual that has been 18 months in the making! He told me that he is extremely proud to be able to offer this powerful kara-ritual to you all! Everything you own is about to get much more effective for you! breakthroughs which have crossed over into the realm of the spiritual and supernatural dimensions.
This item is just PERFECT FOR INFLUENCING POWER on the person you want!
This is a VERY SPECIAL charming amulet of the entire thai amulets i has encounter!
The functions,
The power,
The effect,
are wow!
This reclaim your charm thai amulet can effects emotions, senses, motor skills, thoughts and mood of not only the owner but also those people.
I got a buyer who told me that after using for some times, he told me now is like a feeling of life a POWERFUL figure who held the world between her knees so to speak and knew exactly what to say, what to do and how to act to get just what she wanted.
Having this item with you can add many things to life; persuasion skill, strength, power, charm, gain secret from people, sexual power and other attributes.
You can become human of great persuasion and layered with traits of personality.
This item can opens doors we don't know exist and helps us fulfill our life's destiny.
THIS IS A BINDING OF MOST MYSTERIOUS and POWERFUL CHARMING CHARM.
Have a taste of the powers for yourself and use them to bring persuasion and control over the people in your life!
Contact : firstname.lastname@example.com
Happy Buyers Testimonials:
Magical store:


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Nagüeles is a extravagant luxury area in Marbella and one of the first of its kind. It is a very fashionable and well established area, and it lies in a very well connected area of Marbella. With short distance to all the amenities Marbella has to offers and with an area propped with large luxurious villas and properties it has become a high sought after area. Today we find the best within every characteristics, from modern contemporary to modern but old rustic styles. Nagüeles is divided into North and South and offers a beautiful big natural park, Parque Natural Nagüeles.
Our restaurant recommendation: Cabaña Nagüeles (May require reservations)


text: We strive to process and ship your order out the same day or the next business day it's ordered so that it is received in an expedited manner. After placing an order, if you decide to cancel your order, you can do so by calling our toll free number at 1800-212-5500 immediately or through your order history section of the website. Orders cannot be cancelled after the order has been shipped for delivery. By noon each day, the volume of packages on the loading dock may prohibit the retrieval of a cancelled order before it ships


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Sanya Richards-Ross has completed the 400-meter dash faster than any other American woman. At the 2012 Olympic Games, she became the second American woman in history competing in the 400 meter race to be crowned an Olympic Champion, and the first American woman in nearly three decades.
Contributed photo
Sanya Richards-Ross holds up the United States flag at the 2012 Olympics in London. She is the most decorated female track and field Olympian.
Richards-Ross is the second most decorated female track and field Olympian ever, but that is not all. She is also a public speaker, philanthropist, entrepreneur and television personality. She founded the Sanya Richards-Ross Fast Track Program in Kingston, Jamaica, which provides children with literacy training, physical education and healthy meals. And her sports clinics are meant to empower young people with the necessary skills to succeed in life, both on and off the track.
Roman Gabriel III spoke with Richards-Ross about her new book, competing in the Olympics and faith. Below is an edited transcript.
A: Actually, I have two versions, Chasing Grace for adults and Run with Me, which is for kids ages 8-12. I was so excited, so happy. I waited until my career was over, because writing a book takes a lot of work. It was such a great journey to fully explore all of my experiences and to figure out what were the most important moments I wanted to share with the world to hopefully inspire other people to do great things.
A: Absolutely, I think it is biggest takeaway from the book. As a young person, I was always chasing something. Later in life, it was about records, medals and all of those things. But, ultimately I was fortunate to run into grace.
I realized that it wasn't about a physical race, but a spiritual race – becoming the best person I could be and glorifying God as much as I could through my journey. The 400-meter is one of the toughest races on the track, there are many times in life where things get tough too. So, many of the lessons I learned through the 400 are absolutely helping me to live the best life I can.
A: (Laughing) I don't know Roman, but I can tell you one thing, running always came natural to me. And whenever you're doing something that is really a gift, you do feel closer to God. Whenever I was practicing or training, I always felt like that was what I was born to do. Those times were often when I had my most revealing moments, and my most prayer-filled moments – on the track.
A: My coach trained me in the four "Ps." Broken down into four sections: push, pace, position and poise. And the fifth "P," which is always prayer. The four hundred taught me a lot, and I'm very grateful that I found this race and success on the track. I'm really blessed.
A: Well, first of all, I always had a desire to be great. I think that was all. As a young person, I always thought I could do great things, but that was also nurtured by having an amazing family. I had tremendous support from my mom, dad and sister, who came to every track meet and encouraged me along the way. What I learned was that when you set lofty goals, you are setting yourself up to be vulnerable to failure.
A: You cannot be afraid to fail, because those are the things that strengthen your character. Also, it helps you to redefine your goals and motivates you even more. For me, it was the most fulfilling experience of my life, what I would say helped me to run into my fairy tale, and finally get that individual Gold Medal. It's hard to put into words what that meant. What made it even more special was my whole family being there. It's amazing when you set a goal for your life, go through the ups and downs and actually accomplish it.
A: I think our greatest responsibility, no matter how we reach success, is to reach your hand back and to always share and give to others. Some of the greatest moments of my life are not stepping on the podium, but being able to give back to the community. I've had a great program in Jamaica for years that helped over 700 kids to read on their grade level. When you get an email from a kid who went off to college and is in a pivotal part of their life, those things mean so much more to me than track success. I really think, as athletes, role models and celebrities, it's very important that we use our platforms to inspire others, and to do good in the world. The world needs it. I take that role very seriously.
A: At the height of our careers, we were traveling a lot and not home very much. I traveled all over the world, and in our first home we had a really nice trophy room.
But we moved – with babies coming, nurseries and everything. We do have a cool room with all of our stuff, but that's not really the most important thing to me. It's more of the journey, and our memories together. That's just icing on the cake for us.
A: There is, the one I would say whenever I was on the starting line is Philippians 4:13, "I can do all things through Christ who strengthens me."
When you're standing on that start line at the Olympics, you're so nervous, and sometimes that can cripple you.
I always reminded myself, I can do anything if I just trust and believe in God.
(EDITOR'S NOTE – Roman Gabriel III is an evangelist and motivational speaker. Visit the Faith Family Sports website: fspn.net. Hear his Sold Out Sports Talk Radio program on American Family Radio in 200 cities nationally or streaming live at afr.net. Visit his website: soldouttv.com; Facebook: Roman Gabriel III; connect on Twitter: @romangabriel3rd. Contact at (910) 431-6483 or email: email@example.com.)


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Thats no little endeavor for the culinary challenged. Folks can find it challenging with regard to cooking or baking when switching to this sort of diet. Learn all you've got to understand about Gluten free cooking! Sadly, a great deal of folks simply don't look at food for a friend, for a source of enjoyment. […]
Top Guide of Pilates
What Is So Fascinating About Pilates? Now, Pilates is immensely common. Pilates is a minimal repetition system. Pilates is a good form of exercise which could give you more strength, tone and perhaps even self-assurance. It's always urged to begin the prenatal Pilates after you become pregnant, 14 weeks. What Pilates Is – and What […]
Yoga Ideas
Yoga is a work out strategy which is right for everybody. It really is a crucial component of an entire life, as it joins the essence of sensation movement and breath. Dahn Yoga doesn't simply concentrate on the exercise facets of Yoga. Yoga is quite good for weight that is losing or weight reduction. The […]
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text: Refine by Sort by Sort by Title (A to Z) Title (Z to A) Newest first Newest last Sort View mode: List view Grid view Look inside Jump In! Catalogue Vanessa Reilly and Mari Carmen Ocete Language Level: Pre-A1 Jump into a world of fun! Buy from Useful and free Teacher's Site Refine by Clear all Level Beginner (1) Pre-Primary (2) Starter (2) Media Type Audio CD (1) DVD Video (1) DVD-ROM (1) Paperback (2) e-Book (2) Age Adults/Young Adults (3) Pre-School Children (1) Teenagers (2) Young Learners (10) Type of English British (1) Skills Listening (1) Reading (1) Speaking (1) Writing (1) Usage Class (1) Student (1) Show only Course or Series (1)


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Ohio law assumes you would not want to leave any of your assets to your ex-spouse after your divorce; therefore, state law automatically revokes any bequests to your spouse made in your pre-divorce will. For example, if you make a will before your divorce that leaves half of your property to your spouse and the other half to your brother, your brother will inherit everything if you die after your divorce. Ohio law takes away your ex-spouse's right to her half as soon as you divorce, whether or not you change your will. However, if you wish to leave property to your ex-spouse, you must create a new will after your divorce and specifically state so.
Testamentary Trusts
Testamentary trusts, or trusts created by the terms of your will, help safeguard your assets for your beneficiaries. For example, your will could create a trust for your minor children since they cannot inherit property until adulthood. If you named your spouse as the trustee, or manager, of a testamentary trust contained in your pre-divorce will, your spouse's powers over that trust are automatically revoked by Ohio law upon divorce. If you named a successor trustee in your will, the successor is treated as the primary trustee instead of your ex-spouse. However, by creating a new will after the divorce, you can give your ex-spouse trustee powers if you still want her to have that authority.
Other Powers
In addition to bequests and trustee authority, Ohio law automatically revokes any other powers your pre-divorce will gives your ex-spouse. For example, if your pre-divorce will named your spouse as executor or administrator of your estate, an Ohio court will ignore that nomination after your divorce. Similarly, if your pre-divorce will named your spouse as the guardian of your minor children, Ohio law revokes that designation. However, your ex-spouse will still serve as the guardian of your children if they are also her children.
Estate Planning After Divorce
These provisions of Ohio law apply unless your will states otherwise, and only apply to wills you create before you divorce, obtain a dissolution of marriage, annul your marriage or legally separate from your spouse. Other provisions in your will not pertaining to your ex-spouse remain intact and enforceable, so it is usually a good idea to reevaluate your estate plan and will after your divorce to ensure it still distributes your property as you wish. You can also revoke your entire will at any time by destroying it or replacing it with a new will. However, if you create a will after divorce, Ohio law will not revoke powers and bequests that you give to your ex-spouse in the new will.


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Aug 03, 2017 Jim Franco
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Capital District Transportation Authority - CDTA
15 hours ago
First came ride-sharing...Coming soon to CDTA🤫 ... See MoreSee Less
I look forward to an on-demand, curb to curb option that EVERYONE is able to use.
How does it work
Empire State Plaza Events updated their cover photo.
15 hours ago
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Empire State Plaza Events updated their profile picture.
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20 hours ago
#ShopLocal at the #EmpireStatePlaza Farmers Market until 2p! 🚜🥬🧀🥚 ... See MoreSee Less
Capital District Transportation Authority - CDTA is at Albany Cap Center.
2 days ago
Congratulations to the #1 Real Men Wear Pink campaign in the country!! 🥳🥳🥳 ... See MoreSee Less
Great team work as always
Great job as usual
Did you know there is a new mobility option available at the CDTA Rensselaer Rail Station just in time for the busy holiday travel season? Click for more details! ... See MoreSee Less
Plan Ahead for Busy Holiday Travel Season | www.cdta.orgNovember 13, 2019 Thanksgiving Holiday Week Busiest Travel Time of the Year ALBANY, NY (November 14, 2019) The Capital District Transportation Authority (CDTA), owner and operator of the Rensselaer Ra...
No problem for you Jaime Kazlo Watson
1 week ago
Thank you to all of our service men and women from the entire Spinney Group team! ... See MoreSee Less
1 week ago
Thank you to all of our service men and women from the entire Spinney Group team! ... See MoreSee Less
Last night we were proud to host the first "Plan for your Future, Invest in your Success!" event with Conor from Bryant Asset Protection and Aaron from Vella, Carbone & Associates, LLC. Residents of The Spinney and the Capital District enjoyed learning the importance of planning and investing for their future years.
We will be hosting an additional event on November 14th from 5:30 - 7:30PM and would love for you to join us! Let us know what you'd like to hear from Conor and Aaron in this next session. ... See MoreSee Less
We are excited to announce that we have launched a new website for The Spinney at Van Dyke. Check it out at www.thespinneyatvandyke.com! ... See MoreSee Less
Home - The Spinney at Van DykeLocated in between the Elm Avenue Town Park and the Mohawk Hudson Land Conservancy's Van Dyke Preserve.


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Putin best against Western machinations
The incumbent President's reelection will augur well for Russian federation, writes Arun Srivastava
With American President Donald Trump dragging the global fraternity closer to disaster and flaring of insidious war-mongering, Russian President Vladimir Putin's presence on the international scenario has become imperative. The way he handled the Syrian crisis and the Middle East worries makes him appear as perhaps the only individual available on the global front on which the global fraternity could rely for easing nervousness.
On 6 December 2017, President Vladimir Putin announced that he will seek re-election for a second consecutive term and a fourth term overall. With his approval ratings topping 80 per cent, Putin is certain to win a quick victory in the March 18 vote.
The President of Russia is directly elected for a term of six years, since being extended from four years in 2008 during Dmitry Medvedev's administration.
Putin made the announcement at a meeting with workers of the GAZ factory in Nizny Novgorod. Several hours earlier, he was asked about his intentions in Moscow and signaled that he would run but stopped short of declaring his bid.
Putin has been in power in Russia since 2000. He served two Presidential terms in 2000-2008, then shifted into the Prime Minister's seat because of term limits. Medvedev had the Presidential term extended to six years and then stepped down to let Putin reclaim Presidency in 2012.
Putin will have spent 24 years as Russian leader by the end of his term in 2024, including four years when he was Prime Minister, but still called the shots.
"Russia will continue moving forward, and nobody will ever be able to stop this forward movement," he said, in what may be an early sign that the campaign would invoke nationalist rhetoric of a Russia facing off against a hostile West. Putin has spent a year dodging the question about whether he would run in the elections.
The election date was moved to 18 March to coincide with the anniversary of the annexation of Crimea in an attempt to boost patriotic spirits in the absence of real political compulsions.
The people denouncing Vladimir Putin as an autocrat, an aggressor and worse, nevertheless, feel that a Russia without him could be predictable and more dangerous than a Russia with him at the helm. Putin may not be popular in many parts of the western world, but it is a fact that he has the political ability and acumen to foil the western manipulative strategy.
He may spring a surprise by committing himself to the Marxist ideology. This would be a deft political move to send a strong message to the western world. No doubt Putin is perceived as a camp follower of the capitalist economy and the world. But for taming the western capitalist world he had to adopt this strategic line. It is more important for the reason that he does not like to present himself as a protagonist of politics of hegemony.
The overwhelming consensus is that Putin will win as he symbolises the Russian aspiration and ethos. Though he does not pretend to be an ultra-nationalist, his actions are focused in this direction. Basically, this is the reason that he is being perceived as the harbinger of the Russian cause.
What simply smarten up Putin's image has his deft handling of the Syrian crisis and breaking the backbone of the ISIS. No doubt the western countries had launched a vicious tirade against Putin and Russia and even accused him of large-scale killing of innocent people and children, but the fact remains that the western lobby under the leadership of America was least interested to eliminate the Islamists and liberate Syria.
The Presidential set up is the most powerful institution. His detractors accuse him of misusing the system and turning it as a personalised system: But it feeds him the intelligence he wants, it oversees ministries and governors, and it coordinates his "active measures" political dirty tricks campaign in the west. The Russian people and the leaders will eventually realise some day that Russia might have been in a deep crisis if Putin was not in command. It is true that he believes in capitalist commitment, but the fact of the matter is that these forces would have ravaged and further split Russia.
Notwithstanding Putin pursuing a democratic line, away from the Marxist polemics, the western world still looks at him with suspicion and skepticism. West hates and derides Putin primarily for the reason that he desires and strives to restore the past glory of Russia. His presence certainly denies them the opportunity to meddle in and dictate to Russia.
Once they failed in their design after the Croatia issue, they have launched a vicious campaign about Putin being anti-democracy. The most common refrain has been: "Putin has become increasingly insulated from news which is anti in nature and also critical opinions. As a result, he often makes serious mistakes in his evaluation of the global scenario. He and his cronies, time and again, have especially shown themselves unable to understand democratic societies and the resilience that lies beneath the surface of fractiousness and short-termism."
There is nothing new in these allegations. The western world is known for such insinuation. It has accused Putin of managing and influencing the election of Trump. He was even accused of launching a campaign of hacks, disinformation, and covet political donations along with resorting to other gambits to control and shape western politics. While the motive of any action is judged by the impact it makes on the political scenario, so far any assessment does not charge Putin with worsening the global political scenario. IPA
(The views are strictly personal.)
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Ah the Hausmanian apartments. Arguably the most beautiful apartments in Paris. This one belongs to the French designer and architect Florence Baudoux and once belonged to the French royal family. It was the private residence of the Duke of Montpensier, the fifth son of King Louis Philippe.
I suspect it will lead the charge to Farrow and Ball for mushroom tones in the NY.


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According to an article in Latinvex, a Latin American journal, implementations of U.S. free trade agreements (FTAs) in Latin America have caused an increase of U.S. exports to the region by 9.3 percent in 2012, lowering the U.S. trade deficit by 24.7 percent.
The United States currently has two regional and three bilateral FTAs in the Latin-American region. These 11 countries represent nearly 80 percent of U.S. trade with Latin America.
Among the countries that spearheaded this growth of U.S. exports were Colombia and Panama, which implemented FTAs with the United States last year. Both are in the top 5 percent of countries with the most growth in trade with the United States.
In fact, U.S. exports to Colombia and Panama increased by 14.5 and 20.3 percent respectively, and are the fifth and sixth largest in the region for U.S. export growth.
"With the Colombian Price Ban System set to be adjusted in April 2013, there is an opportunity for U.S. corn to return to the Colombian market," said Kurt Shultz, U.S. Grains Council regional director in Panama.
"This assumes the cost, insurance and freight price of U.S. and South American corn will continue to decline, allowing it to fall into the price ban mechanism."
If prices do decline, U.S. corn will have a 5.75 percent duty advantage over South American corn, allowing U.S. corn to begin benefiting from the recently signed free trade agreement.
"While U.S. corn exports to Colombia are currently low, U.S. producers and exporters should remain optimistic. The FTA has created a long-term advantage for U.S. corn imports and the future could bring rapid growth in the U.S. corn market share in Colombia."


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Mégis mit tetszenek gondolni a Forex és CFD kereskedés talán azért virágzott fel az elmúlt 10 év alatt mert az emberek egyszerre kedvet kaptak devizával kereskedni? Ugyan már… Azért virágzott fel mert kockázatmentesen lehet hatalmas pénzeket leakasztani a szerencsétlen ügyfelekről, amiből simán lehet finanszírozni a csapból is folyó forex reklámokat. Ennek a sok hozzáértővel rendelkező (mint a futball) biznisznek a "szépsége", hogy nem csak az ügyfelek, de még a szakemberek nagy többsége sem nagyon érti, hogy miként is működik a letollazás. Ez a blog és amit az Ultra FX-el csináltunk azért úttörő a hazai piacon mert nem csak megszabadítja a forex tradert a last look miatti láthatatlan és félelmetes terhektől, de felvilágosító munkát is végez. Elsőkét dobtunk követ a tudatlanság végtelen tengerébe és végre vannak követők is akik kezdik kapirgálni, hogy miről is van itt szó. Ma megjelent egy cikk az FX Week -ben ami azt részletezi, hogy akár akkora botrány forrása is lehet az amiről már eddig is eleget írtam, mint amekkora lóg a levegőben a deviza fixing manipulációjával kapcsolatban. Na de jöjjön a cikk:
Cím: Last look orders come under scrutiny
Author: Michael Watt
Source: FX Week | 11 Jul 2014
Banks engaged in "unfair liquidity provision"
Market-makers stand accused of using last look order types aggressively to dial up the profitability of their books, with some buy-side participants warning the practice deserves as much regulatory scrutiny as the allegations of benchmark manipulation.
Last look market-making allows price providers to reject orders within a short period of time if the trade is deemed unfavourable, which gives dealers a significant information advantage and damages the execution quality of customers.
"The market, especially participants on the buy side, needs to be more aware of what is going on here," says the head of trading at a major European pension fund. "The way some sell-side providers use last look is very worrying and this behaviour could be the source of another scandal along the lines of benchmark fixing."
The last look order type was introduced during the early days of e-FX trading, when the time taken for a bank in London and a client in Singapore to contact one another, negotiate a price and execute a trade could run to dozens of seconds or longer. As those seconds ticked by, the market could move significantly, often putting the sell-side provider at risk.
Despite technological improvements, the use of last look persists. There are concerns that sophisticated market-makers are holding on to trades for longer than necessary – several hundreds rather than dozens of milliseconds (ms) – to see if the market moves for or against their side of the trade during that time. If it moves against, the banks can use last look to reject the trade, often to the client's disadvantage.
Such behaviour is hard to prove, but a senior e-FX trader at a large, London-based bank believes he has found compelling evidence of it, after carrying out research for a client.
"We put together a chart on the response times and order fill ratios of the 12 banks this client traded with. They were all big banks; essentially the top dozen liquidity providers in the market," he says.
The trader found that of those 12 banks, four had average response times of less than 100ms and order fill rates of 88–98%. For another four, these figures were 250–350ms and 75%.
The trader's suspicions of last look abuse were heightened by the data from the final four banks, which had an average latency of 450–550ms and fill rates of 50–65%.
"That basically means those dealers are using last look to throw away every single trade they don't like. That is not about latency protection – it's about unfair liquidity provision."
According to the senior trader, the banks in this final set of four enjoy the highest market share with that particular client. "They can make really tight prices, but they sit on trades and throw away the ones they don't like. If I'm a client, I'm going to think those banks are the bees' knees because of those low prices, but they are actually providing the worst service by rejecting trades. I think there is a debate to be had about the fairness of this and regulators might get involved eventually," he says.
The heads of e-FX trading at three other global dealer banks have also noticed such behaviour. All wished to remain anonymous and declined to point the finger at specific banks, but one indicated that at least 60% of his sell-side competitors engaged in the practice. Several other major banks either declined to comment on the topic or were unable to provide a response by press time.
The problem many participants have with the abuse of last look is not only that it leaves a lot of unfilled orders. It can also turn the market against liquidity takers in a short space of time, as banks can use the extra response time to buy the same amount of currency in the market because they know the price will go up due to interest from the buy-side client.
Without last look, many doubt e-FX trading would have grown so strongly over the last decade. There are some who believe buy-side firms should accept that if they want tight prices, they must allow banks some level of optionality over execution.
However, several trading platforms are taking steps to eliminate or restrict the use of last look on their systems. LMAX Exchange, for instance, does not allow the practice at all, and KCG Hotspot limits its last look response time to 200ms.
Some participants are pushing for a cultural shift in how buy-side clients judge the performance of their sell-side counterparties. "It's vitally important that clients look beyond market share to judge the performance of their liquidity providers," says Jeremy Smart, global head of electronic distribution at RBS in London.
"The quality of liquidity provided cannot be measured by the core price alone – you have to take into account the average response time and order fill ratio. It is relatively easy for somebody to provide very tight spreads if they don't routinely have to stand behind those prices."
(A cikk írja, hogy a "trader's suspicions of last look abuse…" Mi tudnák olyasmiket mutatni, hogy ne csak gyanakodni kelljen :). Na de ez nem a mi feladatunk… A jó hír pedig az, hogy a magyar nyelvű olvasóim az eddigi cikkekből már most többet tudnak a deviza árfolyamokról meg ami mögötte van, mint a kint még csak gyanakvó traderek.)


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BOULDER — When it comes to buying flowers, the question people most often consider is when should you give them? Valentine's Day? Mother's Day? Wedding anniversary?
But perhaps another question should be: Where do my flowers come from?
That question will be the main one discussed today at the Fresh Herb Co. farm in Longmont during a Field to Vase dinner. The Field to Vase movement hopes to help local flower growers the same way the Farm to Table campaign is boosting local produce growers and ranchers,
Today's dinner is one of 10 stops nationally in a series of dinners organized by Certified American Grown to highlight the beauty and economic value of local flowers. It follows a talk this week at the Boulder Public Library by Debra Prinzing, author of "50 Mile Bouquet" and "Slow Flowers," who has been instrumental in raising awareness about the importance of buying local flowers.
"The whole notion of the thing is sort of following the Slow Food movement, local food, small footprint food," says Chet Anderson, who owns the Fresh Herb Co. with his wife, Kristy, where they grow flowers and herbs. "The next step is to have flowers locally sourced."
Colorado was once a big player in the flower industry, with the earliest commercial growers getting a start shortly after the gold rush days. "Colorado is a prized place to grow flowers with high light intensity and cool nights," Anderson says.
In the 1970s, rising energy prices made it more expensive for growers to fuel their greenhouses. Meanwhile, the U.S. government played a big role in the industry's decline by encouraging Colombia and Ecuador to replace illegal crops with flowers. The granting of duty-free status to those flowers helped seal the deal. Currently, more than 80 percent of flowers sold in the U.S. are imported, according to Kasey Cronquist, administrator of the California-based Certified American Grown program.
A related statistic Cronquite cites: 74 percent of consumers don't know where their flowers come from.
Currently, 47 farms in 14 states, including the Fresh Herb Co., have been verified by the Certified American Grown program. Thus far, the Fresh Herb Co. is the only Colorado farm to seek certification, according to the group's website. Anderson says the certification is a simple matter of having a certifier check that the flowers the farm sells are flowers it grows.
Cronquist says the dinners are a way to showcase the beauty that flowers bring to dinners..
"Our tablescapes are unforgettable," he says. "Flowers are as important as the food in bringing people together."
Anderson said diners will sit at tables "scattered underneath the cottonwoods right next to the flower fields" full of veronica, scabiosa, red hot pokers, sunflowers, mint dill, agrostemma and other early summer flowers.


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"Simple Worship" Book
"Simple Worship" is a unique resource book, designed to help Sunday gatherings and small-groups engage with God in simple, sustainable and deep ways. This 68 page, A5 full-colour book features chapter introductions on the following topics:
- Simple Small-Group Worship
- Simple Sunday Worship
- Simple Sung Worship
- Simple Contemplative Worship
These chapter intros are followed with a host of usable worship ideas. Themes include using the Psalms, the Lord's Prayer, creativity, silence, and contemplative disciplines such as Lectio Divina. Each of these aims to help you strip away some of the overly-complicated stuff we pile on top of our "worship", to focus out attention on Jesus, listen for his "still, small voice" and to "be still and know that he is God".
This book follows the format of our "Outdoor Worship" title, with an engaging visual design style. It includes usable prayers, reflections, sheet music, and contains links to further free downloadable material. Each chapter ends with questions for reflection or discussion, so you could use the book in a small group or personal devotion time.
Bulk buying discount - 6 books for the price of 5 (save £1 per book)!
As with our "Outdoor Worship" book, the creation of this resource has been generously supported by Rural Ministries. Check out their networks, training and resources at ruralministries.org.uk
Page previews below:


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Somebody told me this week, butting in to a conversation I was having describing the frugal changes I have made in the last year and a half, how very domestic I was. I perceived the word "domestic" to have been said with a slightly contemptuous tone, as if it were a bad thing that I liked to find creative (and frugal) ways to keep my home and family. I brightly replied, "Thank you!" to the interjected, back handed compliment and continued on with my day. This is my standard response to such silliness. I get the same contempt sometimes when I use coupons or ask for my .41 back when I am overcharged at the store. I know that people accept the fact that we all are feeling the pinch of the economy, so why then, the underlying animosity when I actively take action to save my hard earned money? I don't consider myself a miser. In fact, many tightwads would scoff at my extravagance. I still like brand name food, for example. I just use coupons to offset a bit of the extra cost. I give as freely as I take from Free cycle. I feel good about the changes I have made and for the most part so do my friends and coworkers. They make the same income I do. They ought to understand, right? You would think, at any rate. Sadly, this is not always the case. I don't try to educate people. I hate it when people tell me what to do, so I try not to do it myself. If someone is interested, I will share all I have learned, though. If you see me out shopping, you can rest assured I will have my list, pencil, calculator and five year old, and I will be probably be too deep in thought to say hi. After all, if I am not paying attention, I will lose money, or a deal. I'm not stingy, nor rude. I am a Frugalista, Reccesionista, A Resourceful Lady! Whatever you wanna call me, just don't call me late for supper.
Who is making that again? Oh right...that would be me, The Domestic Diva.


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Lion King, The (Diamond Edition) (3D/2D) (1994)
Monday, 26 September 2011
"The Lion King" is the pinnacle of Disney animation in the 1990s. The 90s began with "Beauty And The Beast" and "Aladdin." The later 90s proved decent with works such as "Pocahontas," "Mulan" and "Hercules," the latter being one of my favorites. But, it was "The Lion King" that really stuck with audiences.
The music from Tim Rice, Elton John and Hans Zimmer is legendary. It won Academy Awards. Even after all these years, even with new generations, you will be hard pressed to find someone who doesn't know the tune to "Hakuna Matata" or "I Just Can't Wait To Be King."
The film has all the necessities of a great family Disney animation. The story is unique and the images are unsurpassed. The film really transports you to the African pridelands, well maybe not as much as "African Cats" does. Nevertheless, "The Lion King" is an escape for audiences, nostalgic for those that were children or even teens in the 90s, and a new adventure for the next generation.
I could on and on about the film itself. However, that is not why you are here. You want to know the quality of this Blu-ray release. Well, in a word, spectacular. You will almost not find a better Blu-ray release. In fact, the only ones I can think of that top it are other Disney/Pixar Blu-ray releases. But, as I will get to in a moment, it is not the audio and video quality which hold back this Blu-ray release.
First things first - 3D. How great is 3D? Well, Disney gives us a pretty good example of the depth that can be added with 3D technology. Using matting and digital rendering techniques, the wonderful animators at Disney have given us a whole new "Lion King" experience. But, is it really better than the original 2D presentation? Well, not exactly. Fully anticipating this release, I had no choice but to drag myself to the movie theaters (something I don't do, given the theater in my studio) to see "The Lion King" resurrected on the big screen and in 3D. I was all set for jaw-dropping 3D action. You will be left disappointed. Do not expect wildebeests to come flying from the screen in the stampede sequence. Extension from the screen is extremely limited. The most notable 3D extension from the screen occurs when the pollen travels through the wind from Simba to Rafiki. And I will admit, it was really cool. However, aside from that, the 3D conversion lies in the depth of the image. This is where the 3D presentation shines in comparison to the 2D presentation. The sky is beautifully separated from the foreground elements, leaving sunsets and twinkling stars gorgeously rendered in the distance. Blades of grass are moved to the forefront, leaving the characters in yet in the third, middle layer of 3D. The 3D conversion is essentially flawless. There are a couple matting issues here or there, but blink and you'll miss them. So, that is the 3D nature of "The Lion King" on a theatrical screen. How does the 3D presentation on the Blu-ray compare?
Well, I won't be able to confirm this until I upgrade my theatrical system, but I suspect that the 3D Blu-ray presentation is a spot on match to the theatrical 3D viewing experience. Sadly, 99 percent of the people out there will be viewing this 3D disc on at most a 65-inch screen, more likely something closer to a 50-inch screen. So unless you sit a matter of a foot or two from the screen, the 3D impact is nearly worthless. It is neat to see, but without the large screen size, 3D is underwhelming. I will update this once I get my 3D 1080p projector installed in my theater and can viewing this 3D presentation on a 12-foot screen. For now, the Blu-ray 3D disc is spectacular, but we lack the technology in the home to really get the most out of the experience.
Just as a side note, going to see "The Lion King" in theaters is a reminder as to why I built my own theater. In the middle of a weekday, while school is in session, the theater was filled with tots and parents. Shouldn't parents be at work and children in school or daycare? It is really hard to enjoy a film when kids are running all over the place or hoping up and down in front of you. And what is worse, parents don't care. They let their children do whatever they wish. I know out in the middle of Minnesota that they have adult-only theaters. No, not those adult theaters. There are film complexes that don't allow children. Brilliant. Why can't those be instituted all over the country, or at least, theaters that have specific screen times in which children are not allowed? We can dream I guess.
This Blu-ray 3D combo pack also includes a 2D Blu-ray, a DVD and a Digital Copy.
I have already discussed the 3D nature of the release. As for the picture quality, I will address the 2D disc, in which the 3D presentation is the same, minus some brightness in the image. "The Lion King" makes its Blu-ray debut in a spectacular fashion. Note: the aspect ratio has been opened from 1.66:1 on the previous DVD release to 1.78:1 on the Blu-ray disc. Playing the 2D version in my theater was an incredible experience. Short of "Beauty And The Beast," I have never seen hand-drawn animation look so incredibly flawless. Even stroke is visible. The colors are fully saturated, with sunsets and sunrises leaving you breathless. Watching this organic animated image just makes you wish that digital animation techniques never came to be. Hand-drawn animation is vastly superior. It is funny it works that way, but digital animation is cold and blocky, while penciled animation is fluid and more pleasing to the eye. In addition the painting and matting of the cels are done with care and pride. The black levels are pitch perfect, leaving the night sky and stars fully visible. There is simply nothing wrong with this transfer. For me, without a doubt, this and "Beauty And The Beast" are Disney's two best looking animations to date. I can only wait for "Aladdin" and "The Little Mermaid." Stay tuned for a look at the "Beauty And The Beast 3D" release.
Since the music and audio quality of this release are of the utmost importance, I am pleased to report that Disney has done it once again. For the Platinum Edition DVD, Disney gave is a new 5.1 DEHT track that blew our socks off. Expecting nothing less from Disney, we are now supplied with a new 7.1 DTS-HD MA audio track. Just as a quick comparison, the sound quality of the theater was just plain awful. As a sound engineer I filed a notice with the theater given their desire to not activate the subwoofers and having no less than one main and two surround array speakers out of commission, to put it lightly. Of course, even with those anomalies remedied, theaters still play back Dolby Digital 5.1 audio at 320kbps. So, not only does the Blu-ray contain a 7.1 mix, but it is also lossless. I can't tell you how much of a difference those two items make. The dialogue is pitch perfect. The dynamic range is better than it has ever been before. The low frequency extension, not just the LFE, is deeper and smoother than before. This film came about at a time before overbearing sound design was implemented for Disney animations. "Finding Nemo" changed all that. Just listen to the shark attack sequence in that film. It is no wonder it scared the pants off children. Back to "The Lion King," the surround channels are enveloping and immersive. Panning and directionality in the rear channels is done effectively. Music is crystal clear and lively. Given the original sound design work, this track is flawless. It is certainly the best that we are ever going to hear.
Okay, so the video quality and audio quality of the Blu-ray are fantastic. The inclusion of a brand-new 3D presentation is exciting. Where, this Blu-ray release fails in comparison to say, "Beauty And The Beast," is the lack of bonus materials. Sure, there are a lot, but when you get down to it, the organization is poor and stuff is still missing.
The Platinum Edition DVD released contained two DVD discs. Sadly, most of those bonus materials are not found on this Blu-ray disc. I will explain further in a moment. By comparison, "Beauty And The Beast" contained two Blu-ray discs and all the bonus materials from its 2-disc Platinum Edition DVD release. What has been done with "The Lion King," is that the previous DVD materials are presented via the BD-Live function of the disc. This is piss poor. Why do the studios assume that an Internet connection goes hand in hand with a home theater. A wireless connection isn't going to hack it. The buffering times of the BD-Live section are horrible. When a consumer buys a Blu-ray package, particularly one of this cost, they expect everything to be in the package and not remotely accessed. Yes, digital downloading is becoming popular. However, those that want to download, download. Those that want discs buy discs. They don't want to buy discs just to stream content. And how about watching this on the go? It is a little hard to access Internet bonus materials while you are on a plane. Just horrible, simply horrible. This is fact alone cut the rating of this section down by half.
Now that the rant is out of the way, the Blu-ray package does contain bonus materials actually on the disc, all located on the 2D Blu-ray disc. But unlike the Platinum Edition DVD, the Blu-ray does not contain two versions of the film, or three versions in the case of "Beauty And The Beast." The deleted "Morning Report" song is only presented as a deleted song feature and not seamlessly branched. This isn't a big deal considering the song was wisely left out of the film.
Present on the Blu-ray disc but not on a previous release of the film is an audio commentary with Don Hahn, Rob Minkoff and Roger Allers.
The Interactive Blu-ray Gallery contains a ton of sketches and alternate versions of character. "Backstage Disney: Diamond Edition" contains three features; Deleted Scenes, "The Lion King: A Memoir: Don Hahn" and "Pride Of The Lion King." The latter two are retrospective pieces. Also included are a sing-along mode, extended version of the "Morning Report" song, bloopers and Disney's Second Screen option.
There is a lot of stuff to view in terms of bonus materials. Unfortunately, the organization is poor and the fact that you now have to keep the Platinum Edition DVD in your collection to retain all the original bonus materials is just ridiculous. Shame on you Disney. Thankfully, much more attention to detail went into restoring the video and audio qualities and providing a unique 3D experience. In that regard, job well done Disney.
Absolutely, a must have.
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"Uninhabited." Sergio Alvarez. Oil on canvas. 14"w x 14"h. Value: $500.00.
"Jacob's Dream." Douglas Bourgeois. Mixed media collage. 5"w x 7"h framed. Value: $700.00.
"Dryades Market." Bunny Mathews. Color pencil on cardstock. 14"w x 9"h. Value: $250.00.
"Untitled." Alan Gerson. Oil on canvas. 48″ w x 24″ h. Value: $3,000.
"The Rabbit and the Hare." Jupiter Lala. Solid bronze dipped in 24kt gold, black diamonds flush set into the eyes and sterling silver chain/clasp. Value: $398.
1933 Hand Mirror. Celluloid. 5″ w x 13″ h. Value: $60.
20" Turquoise necklace with sterling gold fleur de lis drop and sterling silver clasp knotted on silk cord. Freshwater peacock coin pearl necklace with amethyst rondells and sterling silver toggle clasp knotted on silk cord. Value: $500.00.
Japanese Magnolia wall installation. Bradley Sabin. 16 pieces glazed ceramic magnolas with steel screws. Value: $600.00.
"Cicero Defending Caesar." George Schmidt. Pen and ink print, 8" X 11" image matted. Value: $325.00.
"Moderato." Jacqueline Bishop. Watercolor over collage. Value: $800.00.
"The Watchmen." Hayley Gaberlavage. Acrylic on panel. 16"w x 24"h. Value: $850.00.
"Parallel of the Orders according to William Ware." Jacques Levet. Hand drafted graphite drawing. 30″ w X 22″ h. Value: $500.
"NOLA." Tim Trapolin. Sepia wash and graphite. 22.5″ w x 30″ h. Value: $2,800.
Joaillerie by NED. Ned Marshall. Fluorite and vermeil necklace. Value: $500.00.
"1989 Egyptian & Grid." Noel Rockmore. Watercolor and Pen. 13″ w X 17″ h, framed. Value: $1,500.
"Nature." Karoline Schleh. Woodcut print, 12.5" X 16.5" framed. Value: $250.00.
"Morning Moon." Brad Wreyford. Acrylic on canvas, 11" X 11". Value: $400.00.


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The cookies are $13 per dozen. Shipping is the same for an unlimited amount (domestically) and they freeze really well so lots of mamas will order a bunch to maximize value. We usually suggest eating 3 in place of breakfast; then if you need an additional boost, a few more in the afternoon. The active ingredients are brewers yeast, flax seed and oats. They are an oatmeal, peanut butter, chocolate chip monster-type cookie bar. Super soft, hearty, and delicious!
We can accommodate most special diets. We make dairy free, egg free, nut free and vegan to name a few. Just write "dairy free" or "vegan" in the Special Instructions area at checkout!
If you want our products shipped internationally, just select "International Shipping" at checkout!
- Item #: LC-P


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Meet the FIU professor who created program that can beat the poker pros
For game theorists, poker is a great frontier because of the variables created by the human mind. Texas Hold 'em is much more difficult to map out than, say, deciding which checker to move first.
In poker, an opponent's $10 bet could imply that he has a pair of aces. Or maybe he has two rags and is trying to bluff you.
How to put that into a computer program? And why does it matter?
That's a piece of the quest Florida International University professor Sam Ganzfried is on. Ganzfried, who received a doctorate in computer science from Carnegie Mellon after studying math at Harvard, has already cleared one hurdle: creating a poker program that can defeat players in a head-to-head match.
Now he's weighing whether to delve more deeply into poker, or to take a fork in the road and use his powers for greater good. That's because the strategies used in head-to-head poker can be similar to binary choices made in disease treatment, virus dynamics and mutations, he notes.
But let's go back to poker for a minute. Ganzfried helped create a two-player, limit Texas hold 'em agent named Claudico (Latin for "I limp"), that competed in the inaugural 2015 Brain vs. Artificial Intelligence Competition against four of the world's top human online players (not the guys you see on TV). The players prevailed by a whisker, then lost a rematch early this year against Claudico's successor, named Libratus. But there's still a long way to go. …
"Limit poker has variables of about 10 to the 17th power," said Ganzfried, who is on staff at the College of Engineering and Computing. "No-limit increases that to about 10 to the 65th power.
"In these games, there's what's called a Nash equilibrium, an optimal solution," he said, and yes, the "Nash" refers to John Forbes Nash Jr., the subject of the movie "A Beautiful Mind."
Ganzfried himself enjoys high-stakes poker in local casinos. He played in a November 2015 filming of "Poker Night in America" in Pittsburgh, with poker stars Jen Harman and Phil Laak and his girlfriend, actress Jennifer Tilly, at the table. Minimum buy-in was $5,000. Ganzfried won a hand with a pair of aces, and busted Laak later in the show.
"Ganzfried is absolutely crushing it," one commentator said.
"Are you a bot?" Harman asked. "Can you peel your skin off like in 'Terminator?' "
But Ganzfried (Twitter handle: Sam_B0t) says, sorry, there are no tried-and-true AI tips transferable to help players with their games.
"But one thing worth noting was there were a lot of unconventional bet sizes," he said. Players trying to win a pot will often bet two-thirds of the amount already wagered. The program sometimes bet four times the pot, or sometimes only 10 percent.
But now with more poker frontiers, though, Ganzfried, is waffling.
"The idea of applying this to something outside of poker is interesting," he said. Part of his decision will be based on which students latch on to the project.
"Ideally you can do both. It's going to depend on the students I can get," he said. "If I can get a lot of funding and multiple strong students I can get one working on poker and another applying it to medicine."
He said Carnegie Mellon's rival school in artificial intelligence, the University of Alberta, published a paper looking at a problem in managing diabetes, which involves patient cooperation.
"It's a robust problem with parameters, and only one agent," he said. "But if you view the parameters as being chosen adversarially, then the game becomes a model as a two-player zero sum game."
Those problems are where artificial intelligence and game theory can bring about progress in the world, including cybersecurity, said Ganzfried, who has spoken in the Netherlands and at Stanford University.
"I didn't go into my Ph.D. program planning to work on poker," he said.
Get daily gambling news at SouthFloridaGambling.com


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Rihanna's Fenty Puma Goes Back to New York Fashion Week
After showing the collections in Paris for the last two seasons, Rihanna has taken Fenty Puma back to New York.
"After two successful seasons showing during Paris Fashion Week, Rihanna has decided to return to New York and show her Fenty Puma by Rihanna Spring 2018 collection during NYFW, making this the first time she will present during September NYFW.', the sportswear brand said in a statement.
The Spring 2018 collection will be the first spring collection that the singer will show in New York. Further details of the date and the location have yet to be revealed. If the show follows the brand's practice from the past then we should expect Rihanna to show her collection at the end of the New York Fashion Week.
The New York Fashion Week has lost many big names lately such as Proenza, Adieu, Thom Browne, and Rodarte. With Rihanna's decision to present the collection during New York Fashion Week, they can finally add one of the big names back on the list. So far the singer has shown only one collection in New York. It was the Fall 2016 collection which was her first ever for Puma.
Rihanna's Fenty Puma Shows have never disappointed. The singer gathers the most popular models in the business and her shows are packed with celebrities. Additionally, Fenty Puma shows are held in luxury venues and are a true spectacle. After the first New York show the singer took Fenty Puma to Paris at the Biblioth'Äö√†√∂¬¨√Üque Nationale de France for the Fall 2017 Collection. Moreover, the Spring 2017 Marie Antoinette-inspired collection took place at the H'Äö√†√∂¬¨'Ä¢tel Salomon de Rothschild.
Rihanna has been a creative director of Puma for the last three years. Their collaboration started in December 2014 while the contract ends this year. It's still uncertain whether they will continue to work together or not. Considering the strong relationship between the sportswear brand and the mega-popular singer it's not going to be a surprise if they decide to work together on more Fenty Puma Collections.
"Puma trusted me in a major way that a lot of companies wouldn't,' said Rihanna after her first show in New York.
All we can do for now is just sit tight and wait for more details. Lastly, the highly anticipated Fenty Puma show is most certainly going to be the highlight of the New York Fashion Week.


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Curated by Roberta Tenconi in collaboration with Christian Boltanski, Hans Ulrich Obrist and Chiara Parisi, "Take Me (I'm Yours)" is a huge event in the art world that finally lands in Italy. Involving a multitude of Italian and international artists, the exhibition at Pirelli HangarBicocca of Milan (re)creates an unconventional experience for the visitors, opening democratic and active spaces of interaction.
Originally devised in 1995 at the Serpentine Gallery of London, "Take Me (I'm Yours)" gives the rare opportunity to touch, use, test, exchange or even take along the exposed artworks, thus contributing to their dissemination and to question the idea of creation, ownership and consumption.
- Carsten Höller, Installation View from the 1995 Take Me (I'm Yours). Courtesy of the Serpentine Gallery, London


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I've always been better about feeling than about talking.
I've always been better about talking than about thinking.
But lately, I noticed I've been thinking more, feeling less, and talking nonsensically.
I've lost sight of me; of who I'm meant to be, of who I want to be, of who I am.
And that needs to change.
Because I've been stifling myself.
I've been putting myself in a box I don't belong in, in my efforts to simply belong.
I've been quieting my voice,
because my voice is loud.
Unhindered and wild and unruly.
Borderline obnoxious.
But I'm not supposed to be anything but that.
After all, my name is Heard. I mean, how am I supposed to escape that?
Yet that's what I've been trying to do.
I am loud. I am passionate. I am borderline obnoxious.
But borderline obnoxious people are the kinds of people who change things.
I will be an unbridled whirlwind of passion and color.
Exploding, even.
I want to know love.
You know, the kind that you feel in your stomach,
in your fingers and your palms,
in the bottom of your feet,
and it boils and rises in you, until it blossoms out of your throat in some radical form of expression.
I want to know it, daily.
I'm not meant to be in a box. Maybe that means I'm not meant to belong.
But that's ok.
Because I wonder if it's better to not belong and be who you are,
than belong and be just a someone.


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"Hey, it's Zoner—of course it is, who else would it be; I just had to say that for Gryph's sake. Didn't hear from anybody, which shouldn't really surprise me, so I'm going to head to the Wally showing at 12, 12:10, something like that, over at Worcester Showcase North. If anybody does want to go, either just show up and meet me there, or call my cellphone, there's still time to redirect me to Wanted, which is showing later, or down the Blackstone(?) if people want to go there. But find out with short notice—too surprised. [?] I'll probably go to see whatever I don't go to see tonight tomorrow night—so if you're up for that, let me know. Bye!"
Transcribed by: robotech_master


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I am available for speaking engagements, restaurant whisky menu consultation, staff education, and private or commercial tastings.
If you don't like forms, I can be reached at "mark" at this domain (markbylok.com)
Mark Bylok spends his time with whisky makers, brand ambassadors, bartenders and whisky experts to bring an insider whisky industry view in his writing. He shares his insight in his debut book, The Whisky Cabinet.
Mark is an active member in the whisky community. He offers consultations to restaurants on their whisky selection, and hosts whisky events for the general public and industry insiders alike. He represented Canada's whisky drinking media in 2012 as part of The Canadian Chefs Congress tour of Scotland.
Mark has heard various opinions on the best way to enjoy whisky, and justifications on what the best whiskies are. In his exploration, he has learned each person has his own preferences, but few know why those preferences exist. Mark's well-researched answers bring a fresh perspective to whisky, giving the readers the facts needed to make their own decisions.
Not satisfied with the obvious answer, Mark's philosophy is to ask questions that allow the consumer to delve deeper into topics. When it comes to whisky, Mark keeps the whisky enthusiast in mind, with a focus on affordable and available whisky selections.


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With over 28 years of experience and 80,000 customers served throughout California, New Cars Inc. strives to provide quality service to every customer. Since our doors first opened, our philosophy of service has always been on satisfying our auto buying customers, not simply selling cars.
With NCI's low price policy and friendly, dedicated staff, you can expect a pleasurable car buying experience! So, whether you want to shop our on-line used car inventory, request a new car search through our auto buying service, or receive a trade-in value quote on your current vehicle, you will always get "A Good Deal More" with New Cars Inc.
New Cars Inc. is an auto buying service whose mission is to assist individuals in the acquisition of vehicles. New Cars Inc. strives to do this in a cost effective manner while maintaining an environment of integrity and trust. At New Cars Inc., we are committed to continuing our reputation of consistency, quality and service to those we serve.
My husband and I found New Cars Inc. through our Credit Union and decided to start with them. It was absolutely painless, Tom answered ALL of our questions, everything was completely transparent, and there was NO "waiting for the other shoe to drop" that you always worry about when buying a car! Excellent customer service, no pressure, very informative, worked with our Credit Union and the DMV so I had very little paperwork and footwork to have to do on my own, and really listened to what my husband and I were looking for in a car.


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Thursday, 4 September 2014
Update.. Finally!
9 comments:
- Coolpapa702324 September 2014 at 06:01
Anonymous meet and greet at Coolpapa70232's den or meet his creator...ReplyDelete
At 3:30 PM AJR time my den is already unlocked
- Anonymous4 September 2014 at 08:00
BACKPACKS CAME BACKReplyDelete
Cloud two pieces of the armor are non member! The tail and guantlets.ReplyDelete
- chococat525 AJ4 September 2014 at 13:20
OMG RLLY SO COOL. and ROA- ugh, its SO HARD to get mad at the Sugar Gliders being diamond cause they r SO CUTE!!!ReplyDelete
Ooh the animal is returning I thgouth an animal was coming to jamaa! COWS!!!!! And that the cake did something I was trying figure out what it didReplyDelete
- Anonymous4 September 2014 at 20:55
can't enter the adbirthday4 code!ReplyDelete
Yay New pets new items but I cat turn on my computer it has 'Profile Login Error' ;(ReplyDelete
im so exited for the night of the phantoms :D SOMEBODY TELL ME IF THE GAME WHERE U GET PHANTOMS R RETURNING i wuv dat game i didn't even know u got dem i didn't get a single 1 T,TReplyDelete
:C aj ish offReplyDelete
Before you comment, make sure you read these rules!
1. No bullying or insulting others.
2. No form of swearing will be accepted, even with filters.
3. Don't spam.
4. No inappropriate things.
5. Advertising your AJ blog is fine by me, as long as you don't take it too far and you type and actual comment after.
If any of these rules are disobeyed....
1st time, the comments will be deleted.
More than 3, im putting comment moderation on until you stop.
If you still keep commenting rude things although moderation is on, i will ban you entirely.
Happy commenting! =^.^=


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The enigmatic Bruce Palmer is known mostly as the original bassist in Buffalo Springfield, one of the greatest rock groups of the 1960s. Although Palmer did not sing or write any material during his time in the band, he was a vital member, both on-stage and (at least in the beginning) in the studio, for providing much of the "rock" muscle in the band's folk-rock with his powerful, creative basslines. He was also its most mysterious member, playing with his back to the audience and often even posing in photographs with his face away or hidden from the camera. Some bad luck and personal problems interrupted his stint in Buffalo Springfield several times, however, and he was eventually replaced by Jim Messina shortly before the band split up. While he would briefly play with ex-Buffalo Springfield members again in subsequent years, never again would he enjoy nearly as high a profile in the rock world as he had in his early twenties as the Springfield's bassist. He also managed to produce a rare solo album in the early '70s that counts as one of the strangest rock records ever released by a name musician, or by a major label.
Palmer, like fellow Buffalo Springfield member Neil Young, was Canadian, and started playing in Toronto R&B and rock & roll bands in his mid-teens. In the mid-'60s, he played for a time in Jack London & the Sparrows, a British Invasion-like group that had a couple Canadian hit singles (released after Palmer's departure from the band). He then joined the Mynah Birds, with AWOL American sailor (and future funk and soul star) Rick James on lead vocals, in a trade whereby Nick St. Nicholas of the Mynah Birds (and later of Steppenwolf) replaced Palmer in Jack London & the Sparrows. In early 1966, Neil Young joined the Mynah Birds, who got a contract with Motown and recorded some material for the label that's never been released. Part of the reason it remained in the vaults is that James was arrested for being AWOL, which broke up the band only a couple of months after Young had joined.
Young and Palmer then undertook a legendary drive to Los Angeles in Young's hearse, the goal being to find Stephen Stills (whom Young had previously met) and see about forming a band. Young and Palmer had no address for Stills, and after several days of searching for him in L.A. they were on the verge of giving up, and decided to head north to San Francisco. But in one of rock & roll's greatest strokes of luck, they found him in Los Angeles when a vehicle in which Stills and Richie Furay were riding passed the hearse on Sunset Boulevard going in the opposite direction. Almost immediately, the nucleus of Buffalo Springfield was formed, finalized by the addition of Dewey Martin as drummer.
Although Palmer plays on everything on Buffalo Springfield's first album and most of the second, he's not on most of the band's third and last LP. Actually, he first left the group in January 1967, when he was busted for marijuana possession and deported back to Canada. The group used a couple different bassists (Ken Koblun and Jim Fielder) over the next few months, until Palmer managed to get back into the United States and rejoin in June. Another bust for various offenses, including speeding without a driver's license and drug possession, led to his final departure from Buffalo Springfield in January 1968, Jim Messina taking his place. The group only lasted a few more months without Palmer, disbanding in May 1968.
About a year later, Palmer was briefly considered for the bassist position in Crosby, Stills, Nash & Young, but was cut loose after a bit of rehearsal and recording, David Crosby and Graham Nash objecting the most to making Palmer a permanent backup musician. (Two recordings on which Palmer plays, a version of "Helplessly Hoping" and a cover of Terry Reid's "Horses Through a Rainstorm," appear on the Crosby, Stills & Nash box set.) Shortly after that, he took advantage of an offer from MGM to do a solo album, although he had never before written or sung any material. That borne in mind, it's less surprising that his early-'70s solo album, The Cycle Is Complete, turned out to be almost wholly instrumental, comprised of four jam-like tracks mixing psychedelic rock, improvised jazz, and more esoteric styles. Among the musicians backing him were four members of Kaleidoscope and his old bandmate Rick James, who played percussion and occasionally added some scat-like vocals.
Unsurprisingly, the album sold little, and Palmer vanished from the music business. He did unexpectedly resurface to play live with his old friend Neil Young in the early '80s, also contributing to Young's Trans album. In the mid-'80s he formed the tribute band Buffalo Springfield Revisited, in which Dewey Martin was the sole other original Buffalo Springfield member. Palmer passed away October 1, 2004 after suffering a heart attack.


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Local Leaders Who Inspire Us
The Leader: Carol Lucio
Being able to impact the life of one person is an accomplishment; Carol Lucio gets to impact the lives of approximately 7,000 Butler County students each year. Lucio serves as Executive Director for the Butler County Junior Achievement Program, an organization that educates students from kindergarten through twelfth grade on its three pillars: work preparedness, entrepreneurship and financial literacy.
The program offers in-class and experiential learning. For the in-class portion, volunteers take the Junior Achievement created curriculum and visit classrooms to lead each lesson with the students. For an experiential perspective, students are given the opportunity to participate in job exploration days in various companies around Butler County to see what the working world is like.
"I was a Junior Achievement student in high school, so it's fun for me to give back to an organization that I benefitted from. It's part of my passion," Lucio explains.
Lucio has been affiliated with the organization for 32 years. As executive director, she oversees the organization's resources, including financials and volunteers. Lucio works with each school individually, recruits and trains volunteers, and organizes fundraising efforts to ensure they can continue to offer their program at no charge.
"My goal is for every student in our region to get to have the benefit of Junior Achievement at least once. We always come up short on our resources to meet demand," Lucio says. "I would love if that never happened."
Because of Lucio's dedication and passion, students can develop a new perspective and make a connection between the education they're receiving now and the career they can have in the future.
"We are changing their outlook and their futures," Lucio explains.
For additional information or to volunteer, go online. JuniorAchievement.org
The Creator: Jenny Gutman
Jenny Gutman has fresh tastes and big ambitions, her biggest being her passion to show all women that they are understood and loved. This has led to the birth of Modern Moms Products, a line of hand-crafted soy candles for moms of all types. Gutman is the creator and co-owner of the brand, which officially launched last October.
"I was telling my son to get ready for soccer while I was throwing laundry from the washer to the dryer. Two seconds later I was snuggling my other son and I just thought, 'I wonder if all moms can relate to this,'" Gutman says, as she describes what led to her desire to make moms feel loved.
Gutman, who has been crafting candles since 2010, strives to create a feeling as opposed to a product. Each candle is designed to embody the confidence that women carry and references a different kind of "mama." From Super Mama to Stressed Mama, Gutman currently creates 13 unique concepts that honor women and the many different hats they wear.
"Sometimes we're stressed and sometimes we're sweet; we just do it all," Gutman says.
Gutman has experienced remarkable success with her company. In less than a year, Modern Moms Products has amassed accounts with major retailers. The line is available in Art On Symmes, Uncorked at The Spicy Olive, Mitchell's Salon in West Chester, Whole Foods, Sarah's House and Joseph Beth Booksellers. Orders can also be placed online. ModernMomsProducts.com
"I am so happy to make a product that makes people feel appreciated," Gutman says. "That is the most important thing to me."
Visit West Chester and Liberty Lifestyle on Facebook throughout May for a chance to win one of her candles.
The Athlete: Abby Prohaska
At just 17 years old, Abby Prohaska has what it takes to be one of the best in her field. Indeed, ambition and dedication are personified in Prohaska, who is a Lakota West High School junior and nationally-ranked basketball player.
"I fell in love with the sport because of how challenging the game is," Prohaska reflects. "My favorite part is being part of a team. They become your extended family and friendships are made that last a lifetime."
Prohaska's passion for the sport gleams throughout her list of accolades, including a bronze medal she earned with the 2016 USA Basketball Women's Under-17 World Championship Team. To qualify, 140 women from across the country participated in trials at the Olympic Training Center in Colorado. Prohaska was one of the final 12 team members selected, who competed in the FIBA Under-17 World Championships in Zaragoza, Spain last year.
"Each country played different styles of basketball," Prohaska explains. "The experience helped me learn a lot and grow as a person and a player."
Locally, Prohaska became a state champion with the Firebirds in 2015. She was also selected first and second team All-Conference, first team All-State, and participated in the McDonald's Butler County All-Star Game. Even with impressive achievements under her belt, Prohaska doesn't focus on awards.
"It's an honor to be considered a top-level player, but I always remind myself that I wouldn't be where I am today if it weren't for the coaches and teammates who believed in me," she says.
Prohaska's basketball career shows no signs of slowing. Though she's only a junior, Prohaska has verbally committed to attend Notre Dame University and hopes to play for the WNBA or on an international level.
"I would like to play basketball as long as I am able to," Prohaska says. "I enjoy being a part of a team and creating meaningful relationships."
The EVER Expert: Andie Wafzig
From makeup to anti-aging products and beyond, women are not strangers to applying chemicals to their skin without knowing what they are. Andie Wafzig strives to bring safer, healthier skincare options to our community.
Wafzig, a wife and mother of two, works full-time in consumer and media research, and in her spare time serves as a Founding Leader for EVER Skincare, a Stella & Dot Family Brand. She is credited as the first person to bring these products to our region.
"Usually, you'll find a product that isn't healthy, but it will work, or something that is healthy for you, but doesn't do anything if applied to your face. Our products are botanically-based, good for you and actually do what they say they will do," Wafzig explains.
While the products are critically acclaimed, including winning the Allure's Best of Beauty Award for two years, it isn't just skin care that drives Wafzig to work with EVER. Wafzig's goal is to educate people on healthier options. Additionally, the business is designed to empower women, whether it be through flexible work options or helping them achieve goals. Wafzig coaches and mentors about 40 women.
"My biggest goal is to empower women. I feel successful when someone tells me they didn't think they could do it and they go do it," Wafzig says. "I want to help them realize their potential and achieve any goal, whether that's a few hundred dollars extra per month or a new career helping others."
To learn more about EVER products, go online. EVERSkin.com/with/Andie


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The arts are so often sensitive to developments in our human journey, highlighting the need for fresh perspectives on old subjects. The photographer Loes Heerink is such an artist.
She lay in wait for many hours on a bridge in Hanoi, Vietnam in order to capture images of street vendors as they walked beneath the bridge. I like her perspective.
source: The Guardian.


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If we were to apply the same principle to mobile payments we start running into a number of problems. This is because many mobile payment solutions work in a different way than what credit card transactions would work in general. Some of the challenges that one will have to consider are:
- In many cases, it is the payer that pays for the mobile payment transaction fee. (Consider for instance money remittance case study)
- The management of exchange rates for different currencies are dealt with in many different ways. Supporting this in a clear interchange fee will be difficult.
- Interchange fees often also caters for a credit component. Mobile payments are usually based on positive balance value stores.
- The willingness of both parties to pay for transactions (to send and receive money) is different in the mobile payment dispensations.