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RE:Multiple accounts
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subset: commoncrawl


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Inflation in the United States has been remarkably low, despite a lethal combination of extremely loose monetary policy and trillion-dollar annual budget deficits, which apparently have become a new normal.
Economic theory suggests that inflation should have spiraled out of control long ago, but after four years of such policies runaway consumer price increases no longer seem to be a real threat.
The U.S. Federal Reserve, whose two-pronged mission requires it to keep inflation in check and stimulate full employment, clearly believes that inflation will remain under control for the foreseeable future and that it needs to concentrate on resolving the problem of sluggish job creation. In early September, it announced another round of unconventional monetary policies known as Quantitative Easing 3, and vowed to keep buying mortgage-backed securities until the unemployment rate declines.
This is an unprecedented open-ended commitment to print massive quantities of money, at a time when the economy is actually growing, albeit slowly. Since 2008, the Fed has dumped some $2 trillion worth of liquidity into the financial system, and many economists expect another $1.2 trillion infusion to result from its current operations. The Fed's balance sheet could balloon to $4 trillion by the end of 2013.
Some economists—and Fed Chairman Ben Bernanke is among them—clearly believe that there have been structural changes in the economy that will continue to keep inflationary pressures in check.
More Efficiency
There are many definitions of inflation, the most descriptive of which is as follows: the situation when an increasing amount of money chases after an unchanged quantity of goods and services. In other words, inflation is a measure of efficiency in the economy. If consumers have more money to spend, this could result in an inflationary spike in an inefficient economy, since producers will not be able to satisfy extra demand quickly. In an efficient economy, on the other hand, producers will promptly increase supply to meet extra demand.
In the 1970s, the U.S. economy was inefficient and companies couldn't respond promptly enough to changes in input prices or consumer demand. Higher prices for oil and other commodities translated into price hikes at consumer levels and demands for higher wages. Since the 1980s, however, deregulation, structural and technological changes, the spirit of entrepreneurship, improved management techniques and intensified foreign competition greatly increased economic efficiency. Companies have become more flexible; they have been able to anticipate and respond to various changes in market conditions swiftly.
Whenever there is an increase in demand, a number of producers increase production to harvest consumer dollars. This kind of heightened competition has made price hikes very difficult to implement and sustain, putting a premium on cost control. There simply is no room left for inflation in this highly efficient, saturated business environment.
As a result, official consumer price inflation has been quite low, measuring no more than 2-2.5%. Moreover, a serious debate has been raging in academia and among economic policymakers, some of whom have been encouraging the Fed and other central banks to tolerate higher levels of inflation in order to spur worldwide economic growth. The problem is that based on traditional economic assumptions, lax fiscal and monetary policy and zero percent interest rates should have long ago resulted in high inflation. Central bankers simply don't have any other tools at their disposal to make price levels rise.
Measurement Problem
In reality, whether we have inflation or not depends on how price increases are measured. Inflation can also be defined as a loss of value of money in terms of goods and services.
In this regard, money has retained its value well in terms of generic goods and services, which comprise the typical basket used by the government to measure inflation. However, when measured against natural resources, for instance, the picture changes. In dollar terms, the commodities index of The Economist magazine has doubled since 2005, while the food component of the index has increased even faster, by 2.5 times. Moreover, despite a substantial global economic slowdown, the index of industrial commodities rose by 50% during the same time.
Gold has increased some 4.5 times against the dollar since 2005. Gold prices are important, because gold is, on one hand, a benchmark for commodity prices and, on the other, a store of value and a universal currency backed by a history spanning several thousand years. Going back to 1833, gold prices in London stayed steady until the 1970s, the first significant period of the rapid destruction of the value of money. It rose during the inflationary 1970s and declined in the 1980s and 1990s, when the value of money stabilized once more. Then, it rocketed from under $300 per troy ounce in the late 1990s to around $1,750 currently.
Another way to gauge the decline in the value of money is with silver. The silver George Washington quarter was valued under a dollar at the start of the 21st century. Today, it is worth around $6, which makes for a 24-fold jump in nominal price since 1964.
Finally, let's look at the price of oil. Oil came into widespread use in the late 19th century and since then it has been the most aggressively extracted and universally used industrial commodity. Unlike gold, oil is a poor store of value and means of exchange, but it can be used to provide an adequate measure of the value of money. Even though the consumption of oil rocketed in the modern era, and the past century has been marked by wars, revolutions and technological change, the price of oil has been steady in inflation-adjusted terms, fluctuating in a tight range of around $30-40 dollars per barrel in today's money. That was approximately how much oil fetched in 2005. Since then it has increased to around $90-100 per barrel, or some 2.5 times.
When the price of a particular good or commodity goes up, it is not yet inflation, which is defined as an increase in the overall price level. Oil could have become more expensive simply because it costs more to pump it out or because the political situation in the Middle East has been volatile. But many other goods and services have actually kept pace with oil, including luxury goods, works of art and the cost of education and health care. The cost of education, for example, is up by more than 50% since the mid-2000s.
Selective Deflation
Oil and gold have become considerably more expensive not only in terms of dollars, but relative to generic consumer goods and low-skilled services. But what if such goods and services are actually experiencing price declines, which are taking place alongside a broadly based decline in the value of paper money?
Using the official consumer price index, the average consumer basket has increased in price by no more than 10-15% since 2005. But when measured in terms of oil, it is down by 35%. This makes sense, given increased efficiency of production, stringent cost control, relocation of manufacturing to China and other low-cost countries and lower demand in the U.S. and Western Europe as a result of the anemic economic recovery. Unskilled services and other nontradable goods are actually closely correlated with the price of tradable goods, as described by the Balassa-Samuelson effect. They also experienced a deflationary effect in recent years.
Hidden inflation helps explain the stock market's performance. The Dow Jones industrial average, which was inching toward its 2007 all-time high recently, has actually been flat compared to 2000. In the inflationary late 1960s and 1970s, the Dow similarly had trouble rising. It hovered around the 1,000 barrier, experiencing several sharp corrections during that period.
Inflation wreaks havoc with the value of money. It discourages savings and investment, and it undermines the robustness of corporate profits. The overall effect of inflation is to whittle away economic efficiency. If what we're currently witnessing indeed constitutes hidden inflation, then an open inflationary explosion, with a sharp increase in all prices, is only a matter of time.


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Category: Start / Web Radio/Television
- Sites currently sorted by: Title (A to Z)
- Sort links by: Title ( + | - ) Date ( + | - ) Popularity ( + | - )
All Baroque music listening online.
Added on: Jul 28, 2009 | Hits: 3650
Podcasts of the Early Music programme on Rádio MEC FM.
Visit website for more information. (ed.)
Added on: Jan 15, 2012 | Hits: 2461
Recorder Radio Online. Visit website for streaming recorder radio. (ed.)
Added on: Apr 19, 2009 | Hits: 3127
Radio France re-broadcast site. Many good programmes are re-broadcast in their entirety.
Visit website for more information. (ed.)
Added on: Oct 23, 2011 | Hits: 2302
"An exploration of early developments in the musical world." on BBC 3
Visit website for video/audio streamed content. (ed.)
Added on: Sep 16, 2009 | Hits: 2977
"Ars Antigua, directed by Jerry Fuller, presents concerts of chamber music performed on period instruments at 2pm on the second Saturday of November, January and March every year in the stunning, stained-glass setting of Quigley Chapel in Chicago. Performances by Ars Antigua are known for technical excellence, emotional impact and historical scholarship."
Added on: Apr 15, 2007 | Hits: 2910
Listen at work, at home, on vacation, where ever you have a computer with internet access!
Added on: Jul 18, 2011 | Hits: 2447
"EARLY MUSIC TELEVISION from the University of Oklahoma offers a series of professionally produced video programs that focus on important topics, composers, and works of early music. Designed for educators to use in the classroom and in the media library, these programs are written to be engaging both to the general public and to students of music history. These programs are now available on color VHS videocassettes.
The series was funded, in part, by the Oklahoma Humanities Council, The National Endowment for the Humanities, the University of Oklahoma Foundation, the Japan Foundation, the JEC Fund, the Spain '92 Foundation, the Oklahoma Arts Council, and the U.S.-Spanish Joint Committee for Cultural and Educational Cooperation. " ...
Added on: Aug 22, 2007 | Hits: 3193
"From the sublime realm of Chant to the passion of an Italian Baroque violin sonata --- Harmonia, a weekly 59-minute radio program, brings the music of these earlier periods to life for radio audiences, as performers of today cast new light on the music of the distant past. Harmonia is hosted by early music scholar and performer Angela Mariani.
Harmonia is a production of WFIU Public Radio in Bloomington, Indiana, in conjunction with Indiana University School of Music's world-renowned Early Music Institute (http://www.music.indiana.edu/som/emi/), with additional technical support from KOHM (http://www.kohm.org) at Texas Tech University in Lubbock, Texas. Additionally, Indiana University's Thomas Binkley Archive of Early Music Recordings enriches Harmonia's musical offerings. Combining this unique collection of resources with commercial, private and archival material, Harmonia brings historically informed performance to today's listeners, adding evocative commentary to illustrate, inform and entertain. " ...
Added on: Aug 21, 2007 | Hits: 2538
Each podcast focuses on a unique aspect of music history through narration and excerpts of live musical performances by Musicians of the Old Post Road.
Also, visit these associated Old Post Road sites:
Website: Musicians of the Old Post Road
YouTube Channel: musiciansopr
OPR Editions: Old Post Road Editions
Added on: Jul 27, 2010 | Hits: 3860
WSHU Public Radio
"Sunday Baroque is a celebration of beloved and appealing music from the baroque era (1600-1750) and the years leading up to it. Some of the greatest hits of the baroque include Antonio Vivaldi's Four Seasons Concertos, George Frideric Handel's Music for the Royal Fireworks and Water Music Suites, and Johann Sebastian Bach's Brandenburg Concertos. You'll hear their tuneful and lively music – and music by their talented contemporaries and predecessors – as part of the mix of familiar favorites and new surprises on this weekly radio program.
Sunday Baroque offers great performances of their work by yesterday's and today's best performers. Fresh and inviting, genial and inspiring, and often surprisingly modern sounding, it's the perfect accompaniment for this unique day of the week, whether you're sleeping in, joining family and friends for a leisurely brunch, going to worship, or relaxing alone with the Sunday paper and a steaming mug of coffee.
Sunday Baroque. Fresh. Essential...for a Sunday state of mind."
You may also find podcasts here: http://www.sundaybaroque.org/podcasts/podcasts.xml
Visit website for more information. (ed.)
Added on: Mar 28, 2012 | Hits: 3141
The Viols in Our Schools GambaCast is an Extension of Viols in Our Schools - http://www.violsinourschools.org .
Dr. Phillip W. Serna and a variety of collaborators offer a variety of music for the viola da gamba.
Added on: Dec 10, 2008 | Hits: 2575


text:
Cancer InDepth: Pancreatic Cancer
Main Page | ]]>Risk Factors]]> | ]]>Reducing Your Risk]]> | ]]>Screening]]> | ]]>Symptoms]]> | ]]>Diagnosis]]> | ]]>Treatment Overview]]> | ]]>Chemotherapy]]> | ]]>Radiation Therapy]]> | ]]>Surgical Procedures]]> | ]]>Lifestyle Changes]]> | ]]>Managing Side Effects]]> | ]]>Talking to Your Doctor]]> | ]]>Resource Guide]]>
]]>Pancreatic cancer]]> occurs when cells within the pancreas begin to grow abnormally in an uncontrolled and invasive way.
The pancreas is an organ located behind and to the right of the stomach, near the liver, gall bladder, and intestine. The area of the pancreas on the right side of the body, closest to the first section of the small intestine, is called the "head" of the pancreas; the middle section, behind the stomach, is called the "body" of the pancreas; and the section on the left side of the body, closest to the spleen, is called the "tail" of the pancreas.
The Pancreas
The pancreas is made up of two very different kinds of cells: endocrine cells and exocrine cells. The endocrine cells produce a number of different chemicals called hormones that enter the bloodstream and travel to other areas of the body to exert their effects. For example, the endocrine cells of the pancreas produce insulin, which breaks down and then uses or stores sugars from food.
The exocrine cells of the pancreas produce digestive juices that travel through a system of tubes called ducts into the first section of the intestine, the duodenum. These digestive juices contain enzymes that help process fat, protein, and carbohydrates in food, breaking them down into smaller units for better use by the body.
Cancer of the Pancreas
The pancreas plays a crucial role in the body's ability to process food, making it able to generate and use energy. Pancreatic cancer greatly interferes with these functions, by damaging and destroying normal cells within the pancreas.
A pancreatic tumor grows when cells of the pancreas become cancerous. These cancer cells begin to divide and multiply more quickly than normal cells. Cancer cells also lack the ability to organize themselves in a normal way and have the capability to invade other normal tissue.
Cancer of the exocrine cells of the pancreas occurs much more frequently than cancer of the endocrine (or islet) cells of the pancreas. In fact, about 95% of all pancreatic cancers are within the exocrine system. This report covers aspects of this more common form of pancreatic cancer, called adenocarcinoma.
Who Is Affected?
Pancreatic cancer is the fourth most common type of cancer in men, and the fifth most common type of cancer in women. Men are twice as likely as women to develop pancreatic cancer. It tends to strike people over the age of 50 (85%). Unfortunately, there are no methods of detecting pancreatic cancer at an early stage. Furthermore, the condition usually progresses very rapidly; the average lifespan after diagnosis is 4-8 months. The five-year survival rate is less than 5%. Over 33,000 Americans are diagnosed yearly with pancreatic cancer; about 25,000 Americans die of the disease each year.
Causes and Complications
No one knows exactly what causes pancreatic cancer. It's been proven that smokers, diabetics, or those with stomach resection have a 2-3 times greater risk of developing the disease. Some families also seem to have an increased risk of pancreatic cancer.
Because pancreatic cancer interferes with the body's ability to utilize nutrients, unintended weight loss is a common symptom of the disease. Unfortunately, severe pain is also associated with pancreatic cancer. As the pancreatic tumor grows and obstructs some of the liver and gall bladder ducts, ]]>jaundice]]> (a yellow discoloration of the skin and the whites of the eyes) develops.
Detailed guide: pancreatic cancer. American Cancer Society website. Available at: http://www.cancer.org/. Accessed April 8, 2009.
DiMagno E. Pancreatic carcinoma. In: Cecil Textbook of Medicine. 21st ed. Philadelphia, PA: WB Saunders Company; 2000: 750-752.
Freelove R, Walling AD. Pancreatic cancer: diagnosis and management. Am Fam Physician. 2006;73:485-492.
What you need to know about cancer of the pancreas. National Cancer Institute website. Available at: http://www.cancer.gov/cancerinfo/wyntk/pancreas#2 . Accessed April 8, 2009.
Last reviewed February 2009 by ]]>Igor Puzanov, MD]]>
Please be aware that this information is provided to supplement the care provided by your physician. It is neither intended nor implied to be a substitute for professional medical advice. CALL YOUR HEALTHCARE PROVIDER IMMEDIATELY IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition.
Copyright © 2007 EBSCO Publishing All rights reserved.


text:
Joe Louis
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- George Arents Collection. The New York Public Library
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- Trade cardsCigarette cards
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- Joe Louis. Retrieved from the Digital Public Library of America, http://digitalcollections.nypl.org/items/510d47e3-49f1-a3d9-e040-e00a18064a99. (Accessed October 26, 2020.)
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Cornell College students are passionate and deeply involved, in and out of the classroom. In fact, involvement is an expectation! The Office of Student Activities provides information about student organizations, campus and community events, and things to do in the area.
We are committed to promoting campus events and helping student organizations plan their activities. Our 100+ student groups focus on everything from swing dance, slam poetry, and gaming, to environmental issues, spirituality, and juggling!
This web site is designed to help you become familiar with the organizations we have on campus and to provide you with resources on how to get involved and make your organization successful. Feel free to stop by with any questions or ideas you have!
Learn more about Student Life through the Student Life Blog!


text:
Author, dream weaver, visionary, plus actor. From the Garth Marenghi's Dark Place TV series.
Disclaimer: The material presented here is my original creation, any characters not created by myself are in no way official nor endorsed by their owners unless otherwise noted. They are either trademarks or registered trademarks of their owners in the United States and/or other countries.


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http://dhammawheel.com/viewtopic.php?f= ... 81#p174513" onclick="window.open(this.href);return false;
I mentioned Ven Sujato's speculation that parts of MN 29 Maha Saropama Sutta: The Longer Heartwood-simile may have been added later to bolster the Theravada point of view that an Arahant cannot "fall away", an opinion not shared by all of the early schools.
Ven Sujato notes that the Chinese Agama version of the sutta does not have the line:
- And it is impossible for that bhikkhu to fall away from that perpetual deliverance.
Whether liberation is permanent or not was a point of disagreement between sects, so this line may be a late addition to the Theravada version.
It's worth knowing that this controversy existed, and, in particular, that disagreement over this point pre-dates the Mahayana, lest one mistakenly accuse Mahayana schools of starting this idea...
Here is a discussion on DharmaWheel:
http://www.dharmawheel.net/viewtopic.ph ... t=0#p86672" onclick="window.open(this.href);return false;


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Heel Pain
The foot is one of the most complex parts of the body, consisting of 26 bones connected by numerous joints, muscles, tendons, and ligaments. The foot is susceptible to many stresses. Foot problems can cause pain, inflammation, or injury, resulting in limited movement and mobility.
Foot pain is often caused by improper foot function. Improperly fitted shoes can worsen and, in some cases, cause foot problems. Shoes that fit properly and give good support can prevent irritation to the foot joints and skin. There are many types of foot problems that affect the heels, toes, nerves, tendons, ligaments, and joints of the foot.
The symptoms of foot problems may resemble other medical conditions and problems. Always consult your doctor for a diagnosis.
What are Heel Spurs?A heel spur is a bone growth on the heel bone. It is usually located on the underside of the heel bone where it attaches to the plantar fascia, a long band of connective tissue running from the heel to the ball of the foot. This connective tissue holds the arch together and acts as a shock absorber during activity. If the plantar fascia is overstretched from running, wearing poor-fitting shoes, or being overweight, pain can result from the stress and inflammation of the tissue pulling on the bone. Over time, the body builds extra bone in response to this stress resulting in heel spurs. Treatment options may include:
What is a Corn?Corns are yellowish, callus growths that develop on top of the toes. Corns develop because of abuse or stress. Often, a corn develops where a toe rubs against a shoe or another toe. Corns can cause extreme discomfort and pain. Treatment may include:
What is a Bunion?A bunion is a protrusion of bone or tissue around a joint. Bunions may occur at the base of the great toe or at the base of the little toe, and often occur when the joint is stressed over a period of time. Women are more frequently affected because they may wear tight, pointed, and confining shoes. Bunions can also be a result of arthritis, which often affects the big toe joint.
Treatment of bunions may vary depending on the pain and deformity. Treatment may include:
What is Morton's Neuroma?Morton's neuroma is a buildup of benign (noncancerous) tissue in the nerves running between the long bones of the foot. Morton's neuroma occurs when two bones rub together and squeeze the nerve between them. Most often, neuromas develop between the bones leading to the third and fourth toes. Morton's neuroma often causes swelling, tenderness, and pain. If the pain becomes severe, it may cause tingling, numbness, and burning in the toes. It usually occurs after standing or walking for a long period of time. Treatment for this condition may involve rest and/or a change in footwear that does not restrict the foot. If the problem persists, cortisone injections and/or surgery may be considered.
What are Hammertoes?A hammertoe is a condition in which the toe buckles, causing the middle joint of the affected toe to poke out. This condition is often aggravated by tight-fitting shoes that put pressure on the hammertoe. Often a corn develops at this site. Treatment for hammertoes may include:
What is an Ankle Sprain?An ankle sprain is an injury to the foot's ligaments in the ankle. Ligaments are tough bands of elastic tissue that connect bones to each other. Ankle sprains may occur if the ankle rolls, turns, or twists beyond its normal range of motion. Ankle sprains may be caused by awkward foot placement, irregular surfaces, weak muscles, loose ligaments, or wearing shoes with spiked heels. The symptoms of a sprain will depend on how severely the ligaments are stretched or torn, but usually include swelling, pain, or bruising. Treatment will depend on the severity of the sprain, but may include:
What is a Foot Fracture?With 26 bones in a single foot, almost any of them can be broken. Many fractures do not require surgery, or even a cast, as they will heal on their own with some support. When a foot is fractured, the site of the fracture usually is painful and swollen. The site of the fracture will determine the course of treatment, if necessary, including the following:
What is Foot Pain?Foot pain can be debilitating to an active lifestyle. Foot pain can have many sources, from fractures and sprains to nerve damage. Listed below are three common areas of pain in the foot and their causes:
Plantar fasciitis is more common in women, people who are overweight, people with occupations that require a lot of walking or standing on hard surfaces, people with flat feet, and people with high arches. Walking or running, especially with tight calf muscles, may also cause the condition.
Treatment may include:


text:
As harbour gems go, Strangford twinkles brightly. The harbour may be on the modest side, but that's exactly what works for it
Rows of quaint seafront houses adorned with flowers, plus plenty of chatty locals make for a warm welcome. There's a calm here that gives you the feeling that you're the first sailor to discover it.
You're not, of course, but St Patrick may well have felt the same when he arrived here on his second visit to Ireland around 432AD.
From what we know, The Cuan Hotel and its award-winning restaurant wasn't around for Patrick's arrival. Should he have clapped eyes on their seafood platter, chances are he would have stuck around.
In a stroke of sailing serendipity, the port here sits on the lip of Strangford Lough and is a playground for water sports. Once you've explored the mainland, you can island-hop by boat to forested isles, great for lazy picnics.
The sailing
To scope out the sailing at a port, you need to go to source. For the inside scoop on sailing in Strangford, we tracked down Honorary Secretary of the Strangford Sailing Club, Philip Sandford. Being, as Philip describes, "born and bred on the shores of the lough" there could be no better man to explain the attraction of sailing there.
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"Strangford Lough is a large inland sea lough with 365 islands. Those islands mean endless areas to explore for anyone in a large or small craft.
"The other thing is that, due to the lough's strong tidal influence, its history above AND below water makes it an area of special scientific interest."
Several sailing clubs for all levels
According to Philip, beginners will find themselves well catered for at Strangford: "There are several sailing clubs at Strangford who all cater for learners. Being inland, the lough is protected from normal sea 'swell' and the worst of the weather. Whilst keeping a close eye on the tidal influences, it provides a safe and varying waterscape."
Any special moments or anecdotes from all his time sailing there?
"Do you have a few hours? From winning races to late evening barbeques on the islands, to seeing killer whales, basking sharks, porpoises, and so on.
"But, to be honest, sailing on the lough is what you make it. You can have peace and tranquility or the company of hundreds of other lough users."
Ever changing
For Philip, though, the real charm of sailing at Strangford is the intangible: "My favourite thing about sailing here has to be the lough's ever changing personality."
As a born and bred Strangford boy, he seems to know what he's talking about.
Don't forget to drop your anchor with us in Ballycastle, Dun Laoghaire and Cobh ports, too.
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There's a bit of the multitasker about Ballycastle, and the pretty harbour appeals to sailing enthusiasts and holidaymakers...
The main thing about Cobh is its history. It was here that the RMS Titanic and hundreds of other liners and famine ships...
You can tell Dún Laoghaire is a sailing hotspot even with your eyes closed. How? By listening to that soft flapping...
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Opening a letter that says you are being sued has to be one of the least desirable moments in life. Unfortunately, it's one that wealthy families increasingly fear. In an ACE survey of households with $5 million or more in investable assets, 82% felt their wealth alone made them an attractive target for lawsuits. Moreover, given the tepid economic recovery, many believed their likelihood of being sued had risen.
What do wealthy families fear most about being sued? Surprisingly, it's not being insufficiently insured and having to sell off assets in a costly settlement or verdict. Rather, they fear the time, stress and expense of defending themselves from lawsuit. More than half the respondents in the ACE survey cited those concerns, compared to a third who cited insufficient insurance and financial loss. For some families, reputation damage tops their list.
To be sure, insufficient liability coverage poses a key threat to families with substantial assets. Jury awards and settlements for damages involving serious injury can reach into the tens of millions of dollars. Since liability coverage in auto and home policies rarely exceeds $500,000, a sound wealth protection plan must include adequate limits of umbrella liability coverage to protect assets at risk.
But these research findings indicate that to effectively connect with high-net-worth clients about liability risk, wealth advisors also should be prepared to discuss solutions for dealing with the expense, time, stress and reputational threat of mounting a legal defense.
It's an area where the fine points of the policy can make a big difference. Important aspects of coverage for each concern are:
- Defense costs: HNW clients correctly fear the prospect of high defense costs. In complicated cases, especially those involving multiple injured parties suing individually, the cost of attorney fees, expert witnesses and court fees can skyrocket. In one case, litigation lasted three years when party guests suffered serious injuries due to a deck that collapsed. If defense costs count as part of the coverage limit, as they do in some policies from carriers serving the mass market, the client could soon have little left to pay for an unfavorable award or settlement. By contrast, policies from carriers that specialize in serving high-net-worth clients will pay for legal costs outside of the liability coverage limit, removing any worry about the cost of defense.
- Time and stress: Having confidence in your legal team goes a long way towards reducing the stress of being sued. Are they the best in the country? Do they have my interests at heart? Carriers that specialize in serving HNW clients routinely work with legal firms that understand the unique and complex issues that can arise in high-profile cases. They appreciate the busy lives that HNW clients often lead, and show great flexibility when scheduling depositions and other meetings that demand the client's time. Furthermore, these carriers provide coverage for the family to hire their own lawyer to monitor the work of the legal team as an added reassurance. In many cases, the personal lawyer can also help the client with fulfilling important document requests and other tasks associated with the case that would otherwise tax the client.
- Reputation damage: Many high-net-worth clients hold prominent positions in their community or are outright celebrities. Lawsuits involving allegations of intoxication, mistreatment of household staff, libel or slander, or other inappropriate behavior— whether genuine or frivolous—can attract unfavorable press coverage and threaten careers. Indeed, due to this vulnerability, the press is often utilized as a means of forcing a quick and generous settlement. Carriers that specialize in serving HNW clients understand this dynamic and offer reputation damage coverage as a result. This coverage allows the client to hire a public relations firm to prevent or counter unfavorable coverage and help restore a damaged reputation. Sometimes this coverage is only available when the client has purchased employment practices liability insurance related to domestic employees. In the best cases, it is available as part of the basic umbrella liability policy.
By recognizing the concerns that motivate HNW families and the differences among insurance carriers in addressing them, advisors can strengthen client relationships and build loyalty while better protecting their client's wealth.


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Ottery St. Mary Hospital
Ottery St. Mary hospital in Devon like all hospitals in the UK provides free services on the NHS (founded in 1948). Previously your GP would send you to the nearest hospital but now Ottery St. Mary hospital is in competition with all the other hosptials for your services. Most of the time patients will of course go to the nearest hospital unless they require specialist help.
This is even more important these days to prospective patients when certain hospitals are failing in key areas.
Only recently 11 Hospital trusts have been in the news:
Between them they have been criticised for leaving swabs in patients, infection control, nursing failures in dealing with patients nutritional and medication needs, out of hours staffing levels, filling out death certificates incorrectly, poor communication between staff and patients, poor governance, multiple bed moving, patients suffering with bed sores, long A&E waits, poor maintenance of operating theatres, delayed discharges, inappropriate referrals, low percentage of high skilled nurses on wards, suboptimal care, patients left on unmonitored trolleys for excessive periods and many more besides.
If you are unfortunate to need an operation in Ottery St. Mary hospital the procedure is as follows:
Here is a list of typical surgical procedures that you might have perfomed on you at:
Genital Procedures


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For additional information, please see Sun Pacific buys Cuties brand, breaks ties with Paramount Citrus.
Capitalizing on retailers" and consumers" familiarity with Wonderful Brands, Paramount Citrus will market its California-grown clementines and mandarins as Wonderful Halos beginning this fall.
A subsidiary of Los Angeles-based Roll Global LLC, Paramount is relying on Roll"s portfolio of Wonderful Brands to help it maintain its position in the California mandarin deal after selling the Cuties clementine brand to former partner Sun Pacific Cos., Pasadena, Calif.
"Lynda Resnick and the creative team behind the Wonderful Brands are a force to be reckoned with," said Paramount president David Krause. "We will also be providing unparalleled marketing support to retailers as we launch Wonderful Halos this fall."
Resnick, wife and business partner of Roll Global owner Stewart Resnick, coined the Cuties brand and created its logo in 2001.
Krause said Delano, Calif.-based Paramount will spend $100 million in the next five years to promote its new mandarin brand.
Rob Six, vice president of corporate communications at Roll, said at least $20 million will go into efforts for the 2013 crop. The plan includes a new website HalosKids.com set to launch this fall.
The national multimedia campaign for Wonderful Halos will focus on the "pure goodness" of the easy-peel citrus that Krause said is the perfect snack for parents and "their little angels."
Six said Paramount is already working with retailers even though the campaign isn"t expected to hit major media until mid-November. Paramount is planning free standing inserts, point-of-sale displays, special retailer promotions and consumer events.
Wonderful Halos will be available in 3- and 5-pound bags and 5-pound boxes. Krause said the company plans to keep pricing in the same range as the 2012 season.
Krause said Paramount is recruiting additional third-party growers to supplement its 14,000 acres of California mandarins. Paramount is also partnering with Fowler Packing, Fresno, Calif., on the sales and marketing of Wonderful Halos. The two grower-shippers have 65% of the California mandarin crop between them, Krause said.
To differentiate Wonderful Halos from Sun Pacific"s Cuties clementines, Krause said Paramount intends to use the same strategies it used to build the Cuties brand emphasis on quality and reliability.
Paramount is intentionally referring to Wonderful Halos as mandarins rather than clementines, Krause said, because the term mandarin includes both of the easy-peel citrus fruits and thus better reflects the crop Paramount offers.


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The Ohio Snake Art That's Been Mid-Slither For A Millennium
On a grassy ridge in southern Ohio you can walk beside a thousand-year-old work of art - a mound of Earth that rises from the ground and uncoils like a magnificent snake. We're talking about the Serpent Mound.
NPR'S Noah Adams went to see it on a trip that's part of our Spring Break series.
NOAH ADAMS, BYLINE: The Serpent Mound sounds a little sinister. You can see a bit of it when you get out of your car. But maybe we should do what all Americans like to do first, go straight to the museum gift shop.
It's a turkey call. The Native Americans might have used something like this, it's made from a piece of cane. Tim Goodwin demonstrated the turkey call for us. He is the Serpent Mound Park manager, showing us some of the Indian instruments that he sells. Lots of flutes and flutes can be difficult to play.
TIM GOODWIN: I'll try - there. They have all sorts of drums. We have types actually made from wood.
ADAMS: Walk out to Serpent Mound itself, there's a steel tower there that you can climb and get the first good look at the whole thing. Yeah, you get to the top, you're a bit out of breath but you can finally see the serpent, the mound just slithering away. The mound is three feet high covered with grass. The curves lead out from a coiled tail to the head of the snake at the edge of a cliff. If it were stretched out straight, it would extend more than 1,300 feet. When I first heard about the Serpent Mound, I had the wrong idea.
BRAD LEPPER: It's not a burial mound.
ADAMS: I asked an archeologist, Brad Lepper, to join me here. He says no remains have been found. This is a gigantic sculpture.
LEPPER: It's the largest sculpture of an animal, an effigy mound, in the world.
ADAMS: In a way, it's a work of art.
LEPPER: It is absolutely a work of art, a work of landscape art.
ADAMS: Brad Lepper's current thinking, American Indians known as the Fort Ancient people built the Serpent Mound a thousand years ago. They used sharpened sticks and clamshell hoes and carried the dirt in baskets. Snakes were a symbol in Fort Ancient art. A great serpent ruled the underworld.
LEPPER: My experiences here go well beyond my science.
ADAMS: This archeologist has been visiting the Serpent Mound since he was a kid.
LEPPER: It always felt and still feels like I'm coming to a church.
ADAMS: I also talked with a naturalist, Nancy Stranahan, who agrees. You're quiet when you walk here, hearing the wind, the birds, sensing the energy of a resting spirit. And she can identify the snake. It must be a hognose.
NANCY STRANAHAN: This snake is identical. There's only one snake in Ohio that coils its tail. That's the hognose. I think they chose this snake for maybe one of a couple reasons. It's beautiful. It shows symmetry. A coiled tail is like a snail shell, you know. The other is, if you scare it, it opens up its mouth and looks like a puff adder. It's very frightening.
REGGIE UPTON: It's actually interesting to look at things that you normally don't like learn in school.
ADAMS: Reggie Upton, 17 years old, has a week off from high school in northern Indiana. This morning, he's been walking the Serpent Mound with his dad, Joe Upton, who's organized quite a father and son trip.
JOE UPTON: Saturday, we got up and went to the NFL Hall of Fame in Canton, Ohio, went to the Cleveland game, saw the Indians play, went to the Rock and Roll Hall of Fame after that, drove to the evening game in Pittsburgh, and then we went to D.C. for the cherry blossoms, back to Marietta for some history lessons there, and now we're in Serpent Mound this morning.
ADAMS: Joe Upton and his son Reggie on spring break at the Serpent Mound Park. It's in southern Ohio, Adams County, close to the Ohio River. Noah Adams, NPR News.
Copyright © 2014 NPR. All rights reserved. Visit our website terms of use and permissions pages at www.npr.org for further information.
NPR transcripts are created on a rush deadline by Verb8tm, Inc., an NPR contractor, and produced using a proprietary transcription process developed with NPR. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative record of NPR's programming is the audio record.


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Product Details
Put your fun foot forward in these breezy cotton soft pants from Derek Heart, styled to pull-on with a smocked elastic waistband.
- Color: Coral Mint Stripe
- Approx. model height is 5'10" and she is wearing a size medium
- Approx. inseam: 30"
- Mid rise: approx. 12"; relaxed fit through hips and thighs; wide leg
- Pull-on styling; smocked elastic waistband
- All cotton
- Machine washable
- Imported
- Original Retail: $44
ALL proceeds from your purchase will be used to help rescued animals so you can feel as good on the inside as you'll look on the outside in your beautiful new Pants.
Shipping Information
Shipping on Continental USA orders of $75 or more is FREE via the lowest cost option available at our discretion. If you care more about helping the animals than getting free shipping, just choose a paid option at checkout. We sure appreciate that! Expedited shipping is also available if you need something in a hurry. You can choose your selection and checkout and we'll honor what you select.
International orders are welcome for small items. We will gladly cover the cost of the shipping for orders over $75. Sometimes we can have products shipped directly from the manufacturer at a lower cost than we can ship from the USA. We'll let you know where to expect your package from.
Heavy and bulky items may require additional shipping costs.
Canadian Friends, FREE Shipping for YOU on Orders Over $100! – Please Note:
Import duties, taxes, and charges are not included in the item price or shipping cost. These charges are the buyer's responsibility.
Please check with your country's customs office to determine what these additional costs will be prior to buying.
Again, if helping the animals means more to you than free shipping, please choose a paid option at checkout to help us with the expense. ALL proceeds help the rescued animals at Rooterville Animal Sanctuary, so every dollar matters to us.
If you have questions about the shipping policies, please contact firstname.lastname@example.com. We will do whatever we can to make you happy as long as we don't lose money doing so. Thank you for your understanding!
Returns policy
Refunds for returned merchandise can be issued in the form of a Pink Pigs/Rooterville Animal Sanctuary store credit. We can make exceptions at our discretion, so this is not set in stone. Please be kind to the animals and be fair when making a return/refund request.
Return Criteria
- All returns must be received within 30 days of the original shipment date. For international orders, returns must be received within 45 days of the original shipment date.
- PLEASE NOTE- Returns that are received after the 30th day from the shipment date will not be accepted. If you would like to have the merchandise back that you sent us past the return date you will need to pay the return shipping cost.
- Final sale and clearance items cannot be exchanged or returned for store credit. All clearance items are final sale.
- Gift Cards have no cash value and can only be redeemed for store merchandise. If applicable, all items purchased with a gift card must be returned in new condition with their original tags.
- Shoes must be returned with their original shoebox. Please pack the shoe box inside another box as the original shoe box must be returned undamaged and postage-free.
Return Details
- Returns are processed within 7-10 business days of receipt of the package. Refunds are issued back as a store credit.
- Your store credit will arrive via email to your email associated with your Pink Pigs account.
- The buyer is responsible for all shipping fees. Original and return shipping fees are non-refundable please. Help us keep our costs down to pass great prices on to you and help the animals here at Rooterville.
Terms & Conditions
- We inspect all returns and reserve the right to deny or refuse a full credit based on the returned item's condition. Items that do not match the criteria above are subject to denial.
- Please consider delivery confirmation/shipping insurance for your return/exchange package, as The Pink Pigs/Rooterville Animal Sanctuary is not responsible for lost return packages without tracking information.
- By purchasing from ThePinkPigs.com, you accept these terms and conditions.
How to Make a Return
- Review our criteria above and make sure the items are eligible for a return.
- PLEASE NOTE - If you send us items that are ineligible for return we will not accept them therefore you will need to pay return shipping fees if you would like them back.
- We'll be here for you after the sale! At the end of the day, we are selling things to good folks like you to help a bunch of amazing animals have the best lives possible and make this world a little better place today than it was yesterday.
- Please remember that your purchase here is more than a transaction, it's the gift of a great life for some very deserving animals and spreading the message of kindness in a world that is often heartless and cruel. Encouraging Compassion, Inspiring Change, that's the heart of what we DO with all of the proceeds from our store, its a worthy cause and we appreciate your understanding. We promise to take good care of you, we are easy to get along with and as long as we all do the right thing, everything will be wonderful.
- Thank you SO much for your support and God Bless you!


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Style Sexy Bra Style Unlined Materials Polyester,Polyurethane Cup Shape Full Cup Support Type Underwire Strap Type Adjusted-straps Closure Style Back Closure Pattern Type Others Decoration Lace Weight 0.1500kg Package 1 x Bra 1 x Thong 1 x GarterGoods Brief:
Style: SexyBra Style: UnlinedMaterials: Polyester,PolyurethaneCup Shape: Full CupSupport Type: UnderwireStrap Type: Adjusted-strapsClosure Style: Back ClosurePattern Type: OthersDecoration: LaceWeight: 0.1500kgPackage: 1 x Bra 1 x Thong 1 x GarterPrice Disclaimer:
1. Prices, availably and stock status are subject to change without notice.
2, The retail prices listing in brackets is the retail prices based on manufacturer's suggestion and market survey. This price is only for reference only. It may change according to various reason e.g. time or marketing trends. This information is provided as only a reference to buyer to estimate the profit. This price is not any forms of guarantee. This price will change due to market changes or other reason.
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Because of the different techniques and devices which you use to browse this page, especially between CRT and LCD screens. There will be slight color differences between the Flower Lace Underwire Garter Thong Lingerie Set - Watermelon Pink M product and the image shown on computer or other screens.
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After receiving your order,we require some time to test the product to ensure its quality.The exact processing time varies depending on the item.The average processing time is 3 working days.but this can also be affected by the item's stock status. For small quantity orders,the processing time is 1-3days while larger quantity orders may require 2-5days.
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Types of logistics INFO Shipping Time Tracking Cost Default packagede Standard free delivery, e.g. China post register air mail. Due to the difference of target country or region, the logistics supplier will be different including non-air transportation. (This is the default delivery method to all orders which do not specifically determine the delivery method.) 7-15 days (or longer) Unable to track Free! Expedited Shipping We will select the fastest expedited delivery methods supported for customers on the basis of target country or region and the types of goods ordered. Usually it takes 3-7days(for reference). You can determine the logistics provider you prefer, and if we find some better method we will email you for inquiry and confirmation. 3-7days(for refence only) able to track Charge( detail )
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Flower Lace Underwire Garter Thong Lingerie Set - Watermelon Pink M


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I don't mess with my cookie recipe much. Sometimes, I change up the extracts or add vanilla bean paste, but usually I stick with what works.
Fall spices were calling to me, though, and I thought I'd try to use them in a cut-out cookie. It worked!!! These cookies are lightly spiced with cinnamon, nutmeg, ginger and allspice. I replaced half with sugar with light brown sugar. The cookies ended up slightly softer, but still sturdy enough for decorating.
If you're making cookies for Thanksgiving, these are perfect!
Brown Sugar and Spice Cookies
3 c unbleached, all-purpose flour
2 tsp baking powder
1/2 tsp cinnamon
1/4 tsp ginger
1/8 tsp nutmeg (freshly grated, if possible)
1/8 tsp allspice
1/2 c granulated sugar (I use sugar that I've stored vanilla beans in)
1/2 c light brown sugar (packed)
2 sticks butter
1 egg
1 tsp pure vanilla extract
Preheat oven to 350.
Whisk the flour, baking powder and spices, set aside.
Cream the sugar and butter. Add the egg and extracts and mix until well-blended.
Gradually add the flour mixture and beat just until combined, scraping down the bowl, especially the bottom. (The dough will be quite thick...you may need to knead in stray bits of flour from the bottom of the bowl by hand.)
Roll on a floured surface and cut into shapes. Place on parchment lined baking sheets and bake for 9-12 minutes, depending on the size of your cutter. Let sit a few minutes on the sheet, then transfer to a cooling rack.
To decorate these cookies, I used pale green, ivory and light orange for the pumpkins. After being outlined and filled, they dried completely overnight.
For the sparkly accents, mix a small amount of meringue powder with water. With a child's paintbrush, paint the area you would like to be sparkle-d (that's a word, right?).
Then, shake on sanding sugar all over the cookie. Turn the cookie upside down and shake off the excess. (I do this over a basket coffee filter and use that to funnel the extra back into the container.)
These are waiting in the freezer to be donated on Thanksgiving for Drop In & Decorate. Are you making some, too? If so, I'd love to have pictures and details of where and how many cookies you donated by December 10th. Thank you!
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Frozen Elsa HD Wallpaper
Wallpaper: Frozen Elsa
Category: Movies
Tags: Frozen, Elsa
iPhone 5 5S resolutions : 640 x 1136
iPhone 6, 6S, 7, 8 resolutions: 1080 x 1920
Android Mobiles HD resolutions: 360 x 640, 540 x 960, 720 x 1280, 1080 x 1920
Mobile HD resolutions: 480 x 800, 768 x 1280
Widescreen resolutions: 1280 x 800, 1440 x 900, 1680 x 1050, 1920 x 1200
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Vogue Ladies Easy Sewing Pattern 8772 Blouse Tops
- Details
- Size Guide
- Delivery
- Returns
* All sizes and measurements on this website are approximate.
Before selecting your pattern size from the Standard Body Measurement Chart (left), please read the following on how to correctly measure yourself.
1. Measure your Body
Only basic body measurements are needed to determine your pattern type and size. Remember to wear proper undergarments and shoes when measuring. Also, make sure the tape measure is held snugly and firmly (not tightly) against your body and is always parallel to the floor for circumference measurements.
For Misses' and Misses' Petite:
BUST - Measure around the fullest part of bust and straight across back (1)
CHEST- around body above fullest part of bust (2)
To determine your cup size you will need two measurements:
BUST: Measure straight across the back over the fullest part of the bust.
HIGH BUST: Measure across the back, high up under the arm and across top of bust.
Deduct HIGH BUST measurement from BUST measurement for the difference. Using the DIFFERENCE measurement, find your cup size on the chart below.
|Cup Size Chart
|Cup Size
|Up to 1" (2.5cm)
|Up to 2" (5cm)
|Up to 3" (7.5cm)
|Up to 4" (10cm)
WAIST - around body at natural waistline (3)
HIP - around body at fullest part?usually 7-9" (18-23cm) below waist (4)
BACK WAIST LENGTH - from the most prominent bone at base of neck to the natural waistline (5)
HEIGHT - measure (without shoes) standing against a wall
For Junior, Women, Toddlers, Children and Girls:
Take the same measurements as above, except eliminate Chest measurement.
For Men and Boys:
NECKBAND - around base of neck or buy shirt pattern by ready-made size (1)
CHEST - around fullest part of chest (2)
WAIST - at natural waist over shirt (3)
HIP - at seat or fullest part of hip (4)
SHIRT SLEEVE - from back base of neck across shoulder around bend of elbow to wrist (5)
HEIGHT - measure (without shoes) standing against a wall
Select your Size Category
Compare your height and body measurements to the measurement charts to select your size category.
Select your Pattern Size
Pattern size is determined by your circumference (width) measurements. Again, refer to the Measurement Charts to select the size corresponding to the Bust, Waist and Hip measurements closest to your measurements. Here are some tips to help make your size selection easier:
- For Dresses, Blouses, Tops, Vests, Jackets, and Coats, select size to correspond with your Bust/Chest measurement. Adjust the Waist and/or Hip, if necessary. If there is more than 2"(5cm) difference between your Bust and Chest measurement, select pattern size by your chest measurement, because you will achieve a better fit through your shoulders, chest and upper back; adjust the Bust if necessary.
- For Skirts, Pants, Shorts, and Culottes, select size to correspond with your Waist measurement. Adjust the Hip, if necessary. If your Hips are much larger than your Waist, select the size closest to your Hip measurement and adjust the Waist.
- When purchasing a pattern that includes a Blouse, Jacket, Skirt and/or Pants, select size by your Bust/Chest measurement and adjust the Waist and/or Hips if necessary.
- If your measurements fall between two sizes, consider your bone structure. If you are thin and small-boned, choose the smaller of the two sizes. If you are larger boned, choose the larger size. Personal preference may also influence your size selection depending on whether you prefer a looser or a closer fit.
- For Maternity patterns, select according to your measurements before pregnancy.
UK Economy Delivery
This service is FREE of charge for all orders when you spend over £20.00. For orders under £20.00 there is a delivery charge of £1.49 for small large letter items, or £2.99 for larger parcel items. The maximum price you will pay for this service is £2.99 regardless of how many items you order.
UK Standard Delivery
This service is charged at a flat rate of just £4.99, regardless of how many items you order.
International Standard Delivery
This service is FREE of charge for all orders when you spend over £100.00 to anywhere outside of the UK. For orders under £100.00 there is a delivery charge of £4.99 regardless of how many items you order.
What is the returns, exchange and refunds policy?
Minerva Crafts offer a free returns service for all our UK customers. Order with confidence and if you are not 100% happy, simply return the product to us with your free returns label.
Subject to exceptions, Minerva Crafts is happy to refund your purchase within 14 days of delivery. Your refund will be credited to the original payment card, if you have used a Minerva Crafts Gift Card your refund will automatically be credited to the original giftcard.
Unwanted goods must be returned in a fully resaleable condition and any packaging must be intact. We reserve the right to refuse a refund if goods are not returned in a saleable condition or are damaged.
Goods cannot be returned once they have been used or cut into under any circumstances. Please check for any faults or decide if you wish to keep the item or not before cutting into or starting to use them. This is in line with The Consumer Protection (Distance Selling) Regulations 2000.
Please note, sample and download products are non returnable and non refundable.
For further details on our returns policy click here.


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Bike Skills 101 - Fundamental Bike Handling Skills
Savvy Bike
Sunday, January 27, 2019 from 8:00 AM to 12:00 PM (PST)
Bike Skills 101 -- Fundamental Bike Handling Skills
This 4-hour co-ed clinic is the foundation of everything else you'll learn on the bike. This is the clinic where we teach the old dogs new tricks and the newbies the fundamentals. You'll learn about balance and weight distribution and how that affects your ability to ride your bike safely and confidently. We'll learn skills like riding with no hands, emergency stops, and how to look behind you while holding your line, how to steer, and counter-steer. After just four hours, we guarantee you'll be a better bike handler and have much more fun on the bike. PLEASE NOTE: Bike Skills 101 is the pre-requisite for all other Bike Skills road clinic modules.
Savvy Bike is the evolution of the highly successful Velo Girls Coaching Services program, founded in 2002. Based in Northern California, more than 1,000 men and women from throughout the US and Canada participate in our programs each year, including skills clinics, bike fitting, and personal coaching. Our participants are racers, recreational riders, tourists, and commuters.
In order to purchase these tickets in installments, you'll need an Eventbrite account. Log in or sign up for a free account to continue.


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cotton wrote:
I cotton, thats a sad song, reminds me of me when i was a kid
but tried to listen to all the words, its about abuse istn it?
ya, i hear ya, me too, but i forigve but its hard, when you love someone like a parent or parents, and they treated you badly or without respect, its hard on you as a person, cuase you know that you are better than that way you were treated, so you try to undestand and sort it all out, and empower you, self, then you look back and feel sorry for them, becuase it wasnt you, it was them.
it was their issue and we or I was a sounding board to vent out all of their issues, becuase they lacked the love inside them, the peace everything, i feel sorry for people like that, have to go through abuse, i still face that at my age 51, emotional abuse, my parents still alive and if i was in the right situation, they still abuse me emotionally, and verbally, for christians who go to church and work their butt off all their lives, they still having found the peace of mind within nor the thought to want to change and be a better person, omg, its betterU!!!!!! i care enough to stive and make constant efforts to be a better ME all the time, changing my ways, the ways i was brought up with, becuase they are and were not healthy,..so i made the changes,and still am doing it...not easy, but doable, and there is a way to change everything, even the past, by puting it in proper perspective, making a personal choice and stance , change course direction you are heading in, and move forward, like a 3 step thing...wow..thanks for putting this song up Cotton!! you are organic!
we have to be that change, so we can be better u and as JC says, better U meANS Better ME and visa versa...he is awesome, thank God for JC for if he were not here, this wouldnt be, and we wouldnt have this kind of reflection, BIG SHOUT OUT TO JC, WE LOVE YOU JC,,,SHOUT IT OUT LOUD, WE LOVE YOU JC LOVE LOVE LOVE....


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The page or file you requested was not found on the Federal Reserve Bank of Philadelphia's website. It's possible that the resource you're seeking has moved to a different location. You can use the Search box above or choose from some common links below. We apologize for any inconvenience.
To reach a specific person or department at the Philadelphia Fed, you can refer to our contacts page. To report a broken link or to submit technical questions, please contact our web administrators at email@example.com.


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Kaenon Clarke Polarized Sunglasses - Frame: Tortoise/Matte Grip - Lens: G12 Ultra Brown
Mid-century modern with a coastal twist. Clarke is active-lifestyle driven and retro-inspired, with a 6-base frame that delivers
go-anywhere performance for almost any face.
What makes Kaenon Polarized Sunglasses Superior to Others?
SR-91 Lens Technology
Kaenon introduced polarized SR-91 as the answer to all of the shortcomings of existing polarized lenses. Glass is heavy and shatters, CR-39 is brittle and not impact resistant, while polycarbonate offers a dull view and scratches easilty. SR-91 was tested in independent labs and confirmed to be the only polarized lens that offers razor sharp clarity, impact resistance and glare reduction all in one ultra-lightweight durable lens. All of the good and none of the bad.
SR-91 + Glare 86 = Superior Polarization
The foundation of Kaenon's lens technology is the combination of SR-91 lens material and Kaenon's proprietary Glare polarized film. SR-91 provides the ultimate in clarity, and Glare 86 - specifically engineered for SR-91 - offers exceptional polarizing capability and tunes the essential light in any environment to your specific needs with unparalleled Light Transmission Control yechnology. A complex lens manufacturering process encapsulates the Glare 86 film into the SR-91 lens material, forming a bind so strong that the lens is guaranteed for life against cracking or splitting of the lens at the drill-mounts, or delamination of the inner polarizing film and the lens material
Myth Vs. Reality
Until Kaenon introduced the SR-91 lens, all polarized lenes sacrificed one feature for another. It was this ever present theme of compromise that created the long standing belief of polarization in eyewear. Kaenon's superior patented SR-91 polarized lens not only put these beliefs to rest, but compromise also becomes a thing of the past.
MYTH: Polarized lenes are not good for golf.
REALITY: Inferior polarized lenes tend to do more harm than good on the golf course; distorting your view and depth perception, and only available in very dark tints, reducing the detail that your eyes might see, thus making it very difficult to read tricky greens. Given these problems it easy to understand why polarized lenses get a bad rap in the golf world.
However, with Kaenon's unsurpassed clarity, SR-91 is a performance polarized lens material that offers visual clarity equal to glass lenses. In addition, SR-91 features visual contrast, enhancing depth perception and increasing your ability to read greens. Just like golfers use a different club for different situation, SR-91 offers a full range of purpose built lens tints and varying Light Tranmission Levels (LTL) so golfers can finally rely on a polarized lens to give them crisp vision in any light condition. Don't take our word for it, look at the PGA Tour players who rely on SR-91's range of LTL options to up their game, from Robert Allenby's use of Kaenons lightest lens (Copper 50), to Carin Koch's use of Kaenons darkest lens (grey 12).
Light Transmission Control (LTL)
Kaenon wasn't content with just revolutionizing lens material, so Kaenon also advanced polarized eyewear with groundbreaking LTL technology. LTL technology is a combinationof Kaenon's proprietary Light Transmission Levels (LTL) and the science behind the exclusive design of Kaenon's lens tints. Kaenon's own select tints, Grey, Copper, and Yellow, combine with each LTL to optically enhance, tune and improve visibility in any weather condition, activity or time of day.
Grey: A neutral tint that doesn't alter color perception
Copper: Enhances color contrast, depth perception, and detail recognition.
Yellow: Superior color contrast enhancement and detail definition.
Frame Design
Every Kaenon frame is inspired by the active California lifestyle. Incorporating specific geometry to maximize comfort and function, paying attention to flex-zones and measuring load on pressure points are only a few of the details Kaenon pays attention to so that each frame feels as good as it looks. Kaenon's renowned product designer, Harald Belker, works meticulously to incorporate function into the design of every frame shape and style in a way that flows harmoniously to give each Kaenon frame a distinct look and evoke the spirit of Kaenon. This emphasis on design separates kaenon from the rest, resulting in a product and experience that is unparalleled.
Frame Material
For maximum function and sport performance, Kaenon uses the highest quality TR-90 to construct all of their Kore Performance, Lifestyle, Women's and Optical frames. Kaenon choses TR-90 because of its durability, flexibility, light weight, and comfort. And because TR-90 retains memory and temperature resistant, Kaenon frmaes won't lose their shape, or ever need adjustament. Kaenon manufactures all of their TR-90 frames in Italy because of its reputation for quality eyewear production and craftsmanship. All Kaenon metal alloy frames are manufactured in Japan and maintain a good strength to weight ratio. Hypo allergenic by design, Kaenon metal frames suit anyone looking for a distinct style.
Recent Products
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2020 Sun Mountain Eco-Lite Golf Stand BagPrice: $219.99
2020 Mizuno MP-20 HMB Iron SetPrice: $1,399.95
Odyssey Stroke Lab Black Bird of Prey PutterPrice: $299.99
SkyGolf SkyCaddie SX400 Golf GPSPrice: $299.95
Sure Putt Pro Golf Green Reader & Golf Putting AidPrice: $39.95
Bushnell Tour V4 Golf Rangefinder Patriot PackPrice: $299.99
2020 Sun Mountain Club Glider Meridian Golf Travel BagPrice: $299.99


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GB Pound
Canadian Dollar
Australian Dollar
Switzerland Francs
Contact Us to help you.
There are many versions of LCD display screen, please choose the correct one. If you buy a wrong one, there is no free replacement or full refund!
Version 1: LCD Resolution: 800x480px; Plug: 50 pins
Version 2: LCD Resolution: 1024x600px; Plug: 40 pins
Others: If your LCD screen is not in the above list. Please email photos(attachment) to us. And then we will check and send you the correct item.
Tell us what you think about LCD Display Screen Replacement for Visual Land Prestige Elite 9Q Quad Core 9 Inch MID Tablet, share your opinion with other people. Please make sure that your review focus on this item. All the reviews are moderated and will be reviewed within two business days. Inappropriate reviews will not be posted.
Have any question or inquire for LCD Display Screen Replacement for Visual Land Prestige Elite 9Q Quad Core 9 Inch MID Tablet? Please contact Customer Service. (Our customer representative will get back shortly.)


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Luxuriously smooth wave like shape fits naturally to your body. Waterproof easy to clean with Nasstoys toy cleaner. Wave-like tip for smooth easy insertion. Easy to navigate controller that allows you to advance to the next mode or return to the last mode.
Ships Everywhere.
i really liked this one and the shaped tip does make it easier to slip right in. Love the combination of vibes and the smooth touch and feel of itAnonymous - October 18 2014
I have other vibrating eggs and bullets that i like, but i think this one has a weird and uncomfortable shape to it. It has a luxurious look and feel and all that, but still wouldn't recommend itAnonymous - October 15 2014


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+myConnections: Engage your community - connect to news, events and information you care about. View more information...
25 points
Westley Ramsey
3 points
Tina Hehn
2 points
Personalize your online experience to stay up-to-date on news, events and other information.
121 N. Fourth Ave.P.O. Box 1129Chatsworth, GA 30705
(706) 517-1400 ext. 231


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Create your own mesh banner in just a few steps:
A Mesh Banner is a great banner for both indoor and outdoor use. With proper storing and maintenance you can use it multiple times for many years. You can upload your own custom design or use our friendly banner maker tool to create your own custom Mesh Banner. With access to hundreds of Mesh Banner templates and thousands of images, you'll cover every occasion and demand. In addition, you can upload your own graphics or photos and bring your Mesh Banner design to perfection. You also can ask for help and get support from our professional designers with no extra charge! From the moment your printing order is placed you may receive your mesh banner as early as next day.
Ordering a Mesh Banner from AllStateBanners.com comes with a 100% satisfaction warranty. We are proud for the quality of our work and we carry the best reviews and ratings online.
Mesh vinyl banners have a lot of small openings which allow the wind to flow through the banner freely, therefore making it perfect for outdoor use. By having those tiny holes, the life of your banner will be extended as it won't act like a flag. Do not worry about the micro holes in the banner affecting the design of your banner. The holes are so small that they won't be noticeable from a distance, having your design look just as good as if your banner was a regular vinyl banner. Mesh Banners are mainly used outdoors due to the ability to allow sound and wind passing through the material.
Mesh banners can be used at windows as well because it permits daylight going through and allows visibility. You might think that the mesh material will make the design of the banner look faded, but we can assure you that we use top quality ink which will show clearly and vibrantly. Regardless of how many colors your design consists off, it will look great, and they won't change the price!
Mesh Banners are made of PVC plastic with 50% of the banner surface being small holes. Those holes in the material allow the air and the wind to flow through the banner, without causing excessive damage, therefore, these banners are typically only used outdoors. Their lifespan is supposed to be a lot longer than of fabric banners, but they are not quite as strong as regular vinyl banners. Also, being that the surface of the banner consists of microscopic holes, making the banner semi-transparent, the color vibrancy of the design is not going to be too strong. Another thing to consider is that mesh doesn't perform too well in the cold. Extreme cold will make the material brittle.
You can upload your own graphics or photos and bring your design to perfection using the help of our professional designers with no extra charge. From the moment the order is placed you may receive your vinyl banner as early as next day. Using outdoor mesh banners is also a good alternative to other custom banners if you are going to be using your advertising piece outdoors.
This is because they can withstand strong winds outside without fraying, ripping or blowing away! We offer affordable mesh banner and fence wrap printing that work in a variety of environments. What makes our outdoor mesh banners useful to a business' marketing plan is that the light yet durable material can withstand many weather conditions. The material is durable and strong, made to last through all types of weather.
The thickness of the material is equivalent to about a few sheets of paper. Although the material itself might look very "delicate", it is quite simple to apply, and it will last for a long time. With proper care and installment, an average lifespan of a perforated sign is over 3 years. The signs can be made in any size to fit any window, which means that you will be able to get your message across even with a limited space available, and even if you wish to place the sign on your car window. You can use the signs outdoors, as well, because they are designed to be weather proof.
Also, you don't have to stress if your perforated sign is dispositioned, as it can be easily taken off and placed on again, and that is due to the light adhesive on the back of the sign. Although the quality of our banners is always top-notch, keep in mind that due to the nature of the transparency of mesh banners, the colors of your design will appear slightly lighter than if your design was printed on a regular vinyl banner.
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|Craigslist Listings Discussions Forum This is a discussion forum for Craigslist listings of Professional Cars and related items. This forum is not intended to become a search engine for Craigslist items. Posts with multiple listings will be deleted. Please search to see if the information has been previously posted. Titles must clearly define the discussion. DO NOT POST JUST LINKS! Please explain what the listing is about to start the discussion. Posts that don't meet these requirements may be deleted without notice. Posts may be removed after 30 days or at our discretion.
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Last November, Bryce Skaff called Dave DeVoe two days after DeVoe left Schwab, where he ran the biggest custodian's advisor M&A division. Skaff, a VP for Financial Advisor Services at Dimensional Fund Advisors, had known DeVoe for some time, but he didn't place that call merely to offer congratulations on DeVoe starting his own advisor M&A firm.
Instead, he wanted to discuss with DeVoe how, he recalled in an interview on Nov. 13, DFA could help advisors who work with DFA "to be responsible stewards for their clients and employees" when it came to advisor succession planning. "The traditional ways of educating advisors on succession weren't working," Skaff said, and they "didn't motivate action—only 20% of advisors have written programs."
That initial conversation bore fruit last week with the announcement that DeVoe was launching the Accelerating Success through Transition Planning program, an exclusive coaching program for advisors who work with DFA.
Skaff (left) has spent 15 years with DFA, and as part of DFA's advisor strategy group, he suspected that after helping advisors build and grow their businesses, "what was next" in responsible advisors' needs was succession planning. He also knew that it wasn't a lack of knowledge that kept advisors from actually writing succession plans, but rather a "lack of structure and lack of accountability" that were the hallmarks of existing succession planning initiatives that led them, Skaff says, to this new coaching program.
The program, available to advisors who work with DFA, include in-person workshops, electronic webinars, personal consulting from DeVoe himself, and peer coaching. "Peer coaching lends itself to accountability," said DeVoe in the same Nov. 13 interview, allowing participants to "learn from an advisor with a similar business grappling with a similar process."
DeVoe says he's been working with DFA advisor clients for "my whole career," and since they tend to share the same investment philosophy and client service philosophy—"high client service, a passion for taking care of their clients, and for thinking creatively"—the universe of DFA advisors makes a good group with which to engage in the coaching program.
The Accelerating Success through Transition Planning program takes six months and comprises 40 hours of class time, including that in-person workshop in which advisors learn the "fundamentals" of succession planning, DeVoe said, and then individual coaching to address the "specific challenges and opportunities associated with each firm."
Over the course of the program, he continued, participants will be "doing homework," participating in the peer coaching program with firms of similar size and get the individual consulting from DeVoe. By the conclusion of the program, which begins on Feb. 13, 2013, and runs through August, DeVoe says the 10-20 participants in the first tranche will have a "tailored transition plan, a workbook on the fundamentals of M&A, and a Level-1 valuation" from DeVoe & Co., which is a discounted cash-flow estimate of their firm's worth.
Skaff says DFA's regional directors will help identify the best candidates for the program, and the advisors will pay for the program themselves, though the two men declined to say exactly how much the program will cost. Skaff emphasizes that DFA will not share in any revenue from the program, and DeVoe says "the process of writing the check makes sure there's engagement" from participating advisors.
Check out more stories on Practice Management at AdvisorOne.


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Arsenicum 30C Helios Homoeopathic Remedy
- Product Details
- £5.00
- Size 100pills
- Product Buying Options
100 pillules (approx)
UK Standard (3 - 5 working days Monday - Friday)
- FREE UK standard delivery on all orders over £40
- £4.95 on orders under £40
- £1 Gift Voucher only orders
UK Express
- £6.95 Orders placed before noon Monday to Thursday will arrive on the next working day before 5.30pm, except certain postcodes. Not including Saturday or Sunday. Orders placed before noon on a Friday will arrive on the following Monday. Excluding Bank Holidays.
All UK orders
Parcel force (except where stated). Anytime from 8am - 5.30pm Monday - Friday
Require a signature on delivery. Should the recipient not be in, the parcel may be taken to the nearest Post Office or a re-delivery attempted the following day.
European (Within EEC)
- £11 Courier. Please allow up to 14 working days for delivery
International (Non EEC)
- £30 on orders under £500. Please allow up to 14 working days for delivery
- £60 on orders over £500. Please allow up to 14 working days for delivery


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TESOL does not warrant that this information, or the information provided by any outside entity, is comprehensive, complete, or otherwise reliable. TESOL does not provide professional career or academic counseling, legal assistance, or legal advice, and cannot intervene in disputes between an employer and an employee. TESOL hopes the information is helpful but does not intend it to substitute for professional assistance. For more information on job seeking tips, visit the TESOL Resource page.
Job Seekers, Welcome to TESOL Career Center
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Welcome to the website for HONDA Special Education Shared Services Arrangement. We proudly serve the needs of students with disabilities in Shallowater, Hale Center, Olton, New Deal, and Abernathy.
HONDA is a Shared Service Arrangement and is comprised of five districts: Hale Center, Olton, New Deal, Abernathy, and Shallowater.
HONDA is an acronym for Hale Center, Olton, New Deal, and Abernathy. Shallowater joined the COOP years later, and they decided to keep the name as it was.
HONDA's offices are located at Shallowater ISD Central Office in Shallowater, Texas.
The Transition in Texas website is a project of the Texas Secondary Transition/Post-School Results Network in collaboration with the Texas Education Agency. The network is comprised of representatives from each of the 20 Education Service Centers in Texas.
The purpose of this website is to provide viewers with knowledge of the secondary transition process to facilitate student progress toward attainment of their postsecondary goals. On this site you will find resources for students, parents, educators and agency resources.