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- Features
DescriptionThe differences between swimming and fishing are nominal when you're bombing pre-runoff rapids from the front seat of 13-foot raft. Ensure your essentials stay dry with the added insurance of this 22-litre capacity—perfect size for convenient boat stowage—water-tight roll-top pack. Or combine it with a Dry Creek™ hip or chest pack as part of a seamless fish-ready system.
- Water-tight roll-top with side buckle closure
- Fully adjustable aeromesh padded shoulder straps & lumbar back support and removable side rod holder straps
- Exterior 3D expandable front pocket
- Zippered water bottle/rod holder pocket
- D-ring for landing
- Combines with Dry Creek™ packs for an even better system
- 420-denier double-coated polyurethane nylon
- Capacity: 22 Liters, 1,365 cubic inches
- Dimensions: 13" x 21" x 5"
- Weight: 39.2 oz
- Video
- Product Care
- Technology
Little Parts from the YKK® Fastening Products Group create The Big Difference for our customers — fastening solutions intelligently integrated with the finished product to provide the highest quality, most durable gear. The Little Parts — zippers, metal buttons and snaps, and Nylon buckles — all earn the YKK® brand. The Big Difference begins with their obsession to ensure that every individual component renders maximum value to the finished whole. That commitment instills quality and value into every product. Simms utilizes fasteners built to withstand the harshest environments and YKK® provides the best solutions to meet those needs. All Simms outerwear features nylon YKK® zippers to minimize corrosion and provide high performing, durable wear. www.ykkamerica.com.
- Reviews
Customer Reviews
10 Review(s)
10 Item(s)
- If only the zip could be at the top! Review by Herman
OverallAwesome bag, comfortable and just enough space. The outer zip should have been at the top and horisontal. As it is, the zip pocket fills with water when you wade through a river.
[Response from Simms Customer Care Team]
Thanks for the straightforward review. At Simms, we are always looking for ways to improve our products, and hearing from our customers is a great way to find out how we can build better gear. To talk to us or provide more feedback, ring us at 888.585.3570 or email [email protected]
(Posted on 7/16/13)
- Don't Get It Wet Review by Roger
OverallWore on a three day trip to the Metolius and the bottom portion of the pack proved to be about as waterproof as a cotton sweatshirt. I wore the bag while wading and never dipped the bottom of the bag more than a couple of inches in the water. It didn't take long to notice that my bag had let in quite a lot of water; soaking my contents.
Extremely disappointed as I had expected more from Simms.
(Posted on 5/30/13)
- Solid Workhorse.... Review by Y.Satchel
OverallI don't fish, but I used this bag as a bike messenger and photographer in NYC for nearly three years. Overall I was pretty impressed by the quality and durability, and it never failed to draw compliments from coworkers and pedestrians alike. It's expandable capacity was crucial when carrying large loads, and I never worried about any of my packages or camera gear getting wet in the worst downpours and blizzards the North East had to offer. Yea, the internal organization lacks a bit, and the front-loading flat pocket doesn't allow for the easy carry of larger accesorries, but that's not really what a roll top like this is built for; cram it with as much gear as it can fit and get going is more like it. I wasn't 100% happy with it as it aged, but I attribute that in part to the fact that I used it for a purpose other than what it was intended for. regularly loading and unloading on sidewalks, as well as a few crashes on the tarmac left it not quite as water proof as it was initially and the seams were no longer as tight as I remembered them by the time I put it to rest. At 6'3" I would echo Ralph from Norcals comments about the inadequate hip belt placement, but I stuck with the sternum strap and that kept my loads in place well enough on the bike and off. All-in-all i would highly recommend it to anyone looking for a versatile, reasonably well constructed bag at a competitive price point.
(Posted on 2/23/13)
- Versatile Review by Pat - NY
OverallThis roll-top is the way to go. It keeps the goods bone dry and the minimalist inside makes for quick easy access coming or going. Good travel and boat bag, comfortable and easy to use wading / guiding bag, glad I got it.
(Posted on 2/22/13)
- Overall Love It Review by Spawn Sack
OverallI've had this pack for about a month and overall I love it. I bought it for winter steelhead fishing when the weather is often wet and nasty. On the plus side the construction appears very solid. The two exterior water bottle holders are a nice addition. The exterior zipper compartment is also nice and has lots of room. Although this compartment is not technically waterproof, since the zipper is vertical (if you're wearing it fishing) the zipper doesn't get hammered with water and seems to keep everything bone dry. The pack is also comfortable to wear all day on the river. On the minus side there isn't much internal organization in the main compartment. There are two sleeves that you can put some smaller things in. That's it. I suppouse the benifet of only these compartments is you can easily stuff in large bulky items (a jacket, etc). Before buying the pack I used a vest for years and found myself needing to buy a few more tupperware containers etc to keep stuff organized inside the bag. I ditched the vest as it was starting to give me a sore back with all the weight in the front, and in the rain everything - including the vest - gets drenched. Tackle in the pack is much less accessible, but a least it's all bone dry and the weight is carried better than a vest. I keep the essentials in my wading jacket and everything else in the pack. So far it's a system that works for me. With slightly better internal organization I'd give this pack a 5/5
(Posted on 1/6/13)
- Love the design, but... Review by WCS - Saskatoon, SK
OverallLove the design of this bag, but not overly impressed with the durability. Season number 3 saw many of the seams blow out. I plan to buy another one, but would like to see a little more durable material used in the construction of the bag.
(Posted on 7/16/12)
- excellent product Review by Phillip - Kitimat,BC, Canada
OverallSuper happy with this bag, I used it every trip. Perfect amount of room for day tripping and it never leaked even in some of the most extreme down pours.
(Posted on 7/16/12)
- Great Bag! Review by Capt Matt - East Norwalk, CT
OverallThis bag is a beach guides dream. I have been using this for 2 years and the durability and size is perfect for guiding my clients on the beach - it handles all the added gear and clothes I need to carry along and I never need to worry about water because its bulletproof. Also use it on the boat and for traveling, the weatherproof elements and the overall size fits my needs perfectly.
(Posted on 7/16/12)
- Dry Creek Rolltop Backpack Review by Norm - Praire Village/Kansas/USA
OverallAs a walk/wade fishing guide I was always looking for the perfect backpack to comfortably carry gear and lunch for the day and keep everything dry as we negotiate mountain streams. Last year, fishing with a Dutch friend in Patagonia, I was introduced to his backpack. It was just was just what I was searching for. As soon as I returned I ordered one. The backpack is amazingly comfortable, even fully loaded, for a long hike into back country. The outside zippered pocket has more than enough room for "on the go" items and the main compartment can be easily accessed by a client or fishing partner without having to take the backpack off.
(Posted on 7/16/12)
- Very nice Review by Ralph - NorCal
OverallI abuse the heck out of this bag. Use it for canyoneering and whitewater boating. Perfect size for a light weight overnighter in a slot canyon. I have modified mine quite a bit with hypalon and D ring tie downs for lashing rod tubes and tying into the raft or lowering down waterfalls. I am 6'1" and the shoulder straps are a bit short and the waist belt goes across my rib cage. Not a big deal since I normally have a minimal load. It is NOT waterproof but highly water resistant. Stuff always seems to get damp but I can't find a leak. I think water actually weeps through the fabric if the bag is sitting on a wet floor or drug in the river too long. If you have something like a camera or iPhone, put them in a small waterproof bag.
(Posted on 7/16/12)
Write Your Own Review
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My money goes to my agent, then to my accountant and from him to the tax man.
This quote is about money
Search on Google Books to find citations of this quotation.
We don't have a biography.
I'm male, say nothing
Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch ...
Immature love says: I love you because I need you. Mature love says: I need you because I love you.
Progress is impossible without change, and those who cannot change their minds cannot change anything.
Make foes of bowmen if you must,
Never of penmen
… I was never one to leave anything. I had trouble parting with our old '78 Buick.
Take this action
Or do this

subset: commoncrawl


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NOTICE IS HEREBY GIVEN that the City of Portola City Council will hold a public hearing on Wednesday, January 29, 2014 at 7:00 p.m., or as soon thereafter as the matter may be heard, in the City of Portola City Council Chambers, 35 Third Avenue, Portola, California, regarding the following matter:
Community Development Block Grant (CDBG) Disaster Recovery Initiative (DRI) Project Closeout for 10-DRI-6789, the Local Hazard Mitigation Plan and General Plan Safety Element: The purpose of this hearing is to give citizens an opportunity to evaluate the City's grantee performance (Final Grantee Performance Report), to notify the public about accomplishments funded by the grant, and for the City Council to accept the final documents.
Your comments and attendance are encouraged. After the public hearing, the City will proceed with the submission of this report to the California Department of Housing and Community Development.
Any person interested in the above proceedings may appear at the time and place listed above to testify in favor of or in opposition to this item. Any written correspondence regarding this matter must be sent to Karen Downs, Planner, City of Portola, 35 Third Avenue, PO Box 1225, Portola, California, 96122, and must be received prior to the time of the hearing. All pertinent data may be inspected at City Hall, 35 Third Avenue, Portola, California, before the public hearing. If you have any questions to be addressed before the public hearing, please contact Karen Downs, Planner at (530) 832-6808 or firstname.lastname@example.com.
If you contest the item listed above in court, you may be limited to challenging only those issues you or someone else cited during the public hearing described in this Notice or documented in written correspondence delivered to the City of Portola at, or prior to, the public hearing. Furthermore, you must exhaust any administrative remedies prior to litigating the action of the City Council.
Published PR
Jan. 15, 2014|
Read more: Portola Reporter legal notices for the week of 1/15/2014
Estate of Leach
Estate of Bond
TO ADMINISTER ESTATE of Larry Robert Bond, decedent
Case Number PR13-00056
To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of: Larry Robert Bond.
A Petition For Probate has been filed by: Evelyn Hayes Vosti in the Superior Court of California, County of Plumas.
THE PETITION FOR PROBATE requests that: Evelyn Hayes Vosti be appointed as personal representative to administer the estate of the decedent.
THE PETITION requests authority to administer the estate under the Independent Administration of Estates Act. (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.
A hearing on the petition will be held in this court as follows: Jan. 13, 2014, at 9:00 a.m., at the Superior Court of California, County of Plumas, Dept. 2, Courthouse, 520 Main Street, Quincy, CA 95971.
If you object to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing. Your appearance may be in person or by your attorney.
If you are a creditor or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code.
Other California statutes and legal authority may affect your rights as a creditor. You may want to consult with an attorney knowledgeable in California law.
You may examine the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.
Attorney for Petitioner: Alice M. King, PO Box 3926, Quincy, CA 95971, 530-283-0325, SBN: 144687.
Endorsed Dec. 10, 2013
Deborah Norrie, Clerk of the Court
By C. Youens, Deputy Clerk.
Published PR
Dec. 18, 24, 31, 2013|
Read more: Portola Reporter legal notices for the week of 1/1/2014
Portola property sale
Joy Way
TSG No.: 8333057 TS No.: CA1300254926 FHA/VA/PMI No.: APN: 125-431-037-000 Property Address: 118 JOY WAY PORTOLA, CA 96122 NOTICE OF TRUSTEE'S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 04/20/2004. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 01/06/2014 at 11:00 A.M., First American Title Insurance Company, as duly appointed Trustee under and pursuant to Deed of Trust recorded 05/03/2004, as Instrument No. 2004-0004135, in book , page , , of Official Records in the office of the County Recorder of PLUMAS County, State of California. Executed by: WILLIAM WEBSTER AND TAMMIE WEBSTER, HUSBAND AND WIFE AS JOINT TENANTS, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER'S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (Payable at time of sale in lawful money of the United States) At the East entrance to the County Courthouse at 520 Main Street, Quincy, CA. All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST APN# 125-431-037- 000 The street address and other common designation, if any, of the real property described above is purported to be: 118 JOY WAY, PORTOLA, CA 96122 he undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $143,595.09. The beneficiary under said Deed of Trust has deposited all documents evidencing the obligations secured by the Deed of Trust and has declared all sums secured thereby immediately due and payable, and has caused a written Notice of Default and Election to Sell to be executed. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder's office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and if applicable, the rescheduled time and date for the sale of this property, you may call (916)939-0772 or visit this Internet Web http://search.nationwideposting.com/propertySearchTerms.aspx, using the file number assigned to this case CA1300254926 Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee's attorney. Date: First American Title Insurance Company 6 CAMPUS CIRCLE WESTLAKE, TX 76262 First American Title Insurance Company MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE FOR TRUSTEES SALE INFORMATION PLEASE CALL (916)939-0772NPP0223971 To: PORTOLA REPORTER 12/11/2013, 12/18/2013, 12/25/2013
Published PR
Dec. 11, 18, 24, 2013|
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Page 3 of 44


text:
With "minneapolis 2C mn" we think you're looking for one of these 10 options
28 hotels, 3 motels, 1 apartment, 1 villa
Apartamento MN
Rua Poeta António Aleixo nº 26 Montenegro, 8005-174, Faro, Portugal
The quiet and relaxing MN Apartment is located in the Ria Formosa Natural Park, surrounding by lush green areas. The self-catering unit has a panoramic terrace and an à la carte restaurant is available for guests. More
Hotel 2C
Via Colli di Sant'Erasmo 51, 20025, Legnano, Italy
Offering a free parking lot and garage, this 3-star hotel in Legnano is within easy reach of highway A8, which allows you to access Italy's lake region and the Rho-Pero convention center. Set in the center of the city, Hotel 2C is near the main hospital. Public transportation is close by. More
2C House
19-77 HaengDang-Dong, 133-070, Seoul, South Korea
2C House is a guesthouse in Seoul, about half a mile from Wangsimni subway station's Exit 6. It offers simple rooms with free Wi-Fi and ample storage area. All rooms at 2C House are equipped with air conditioning and heating. Featuring hardwood floors, each room has a fridge and a flat-screen TV. More
Good 2c You
Hofhooistraat 2c, 6621 ZN, Dreumel, Netherlands
Situated in the centre of village Dreumel and 650 metres from motorway N322, Good 2c You offers a spacious suite with free parking on site and a private terrace. River Waal is 1 km away. The suite is set in a farmhouse, and overlooks the rural surroundings and an old mill dating from 1845. More
Dünenpark 2c - Dorf 4 O
Dünenpark 2c - Dorf 4 O is located in Travemünde close to the beach (100 m). It can accommodate up to four adults and two children from 4 to 11 years. The two-bedroom accommodation will provide you with a satellite-TV, DVD-player and a CD-player. More
Minneapolis-Saint Paul, United States of America (35 properties)
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May 22 2010
Backtrack 4: Information Gathering: Route: 0trace – Traceroute Firewall Bypass ToolPosted by alex in Security
This is the first in a series of Backtrack 4 articles I will be writing regarding the tools available within Backtrack 4. I am fairly new to Backtrack so please comment, teach me, ask questions, or whatever you prefer in the comments section below. I am going to try to go down the list of every single Backtrack 4 tool and write a complete description including instructions on how to use the tools. This first article is on 0trace (0trace.sh) which allows you to perform a traceroute from within an established TCP connection such as HTTP which will be demonstrated below.0trace, 0trace.sh, backtrack, backtrack 4, client, established tcp connection, firewall, GET / HTTP / 1.0, ip address, listener, network, port 80, probe rejected by target, route, stateful, target, target acquired, target reached, tcp, tcpdump, telnet, trace results, traceroute, traffic acquired


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European Commission proposals on IMD II and PRIPs
Key changes and impact on firms
The proposals published by the European Commission on 3 July 2012 introduce rules aimed at levelling the playing field for the sale and disclosure of insurance and retail investment products, so as to strengthen consumer protection. The Packaged Retail Investment Products (PRIPs) proposal addresses disclosure rules for retail investment products and the proposal for a revision of the Insurance Mediation Directive (IMD II) addresses sales and disclosure rules for insurance products, including additional sales rules for insurance investment products – insurance 'PRIPs'
Both proposals have been some time in coming, following consultations in Autumn 2010. They pose significant strategic and operational challenges to providers and distributors in the insurance and retail investment markets. As anticipated, IMD II proposes to widen the scope of the Directive to include direct sales by insurance and reinsurance undertakings. It introduces strengthened conduct of business rules, particularly for insurance investment products, and increased professionalism requirements. It also contains surprises, explicitly bringing certain activities of insurance aggregator websites, claims managers and loss adjustors within scope of the Directive, and goes further than expected in some areas, notably in relation to remuneration disclosure and rules on cross-selling. PRIPs proposes the introduction of the Key Information Document (KID) when investment products are sold to retail consumers, but also steps away from the Consultation by not excluding certain pensions products and variable annuities from scope. Competent authorities will also be given product intervention powers when KIDs fail to comply with the Regulation, or are not provided at all.
The principle behind the KID is generally seen as sound: consumers should have access to information that is easy to understand and facilitates straightforward comparison between investment products. If it achieves its aim, the KID has the potential to improve fundamentally consumers' engagement with investment products. However, considering the wide range of investment products that will be covered, it will be a challenge for firms and regulators to ensure that KIDs are of practical use to consumers and serve the purpose for which they are intended. By bringing certain activities within scope of the Directive and increasing transparency and conduct of business requirements, IMD II is likely to impact firms' business model decisions. While IMD II remuneration disclosure requirements aim to address potential conflicts of interest, remuneration structures differ across sales channels. Ensuring that consumers understand the context in which disclosures are made, and can make use of this information, will be important to avoid undermining the Commission's objective of a level playing field.
IMD II is intended to address gaps and inconsistencies in insurance mediation identified by the Commission during a 2005-2008 implementation check, following the IMD's initial adoption in December 2002. The PRIPs initiative, which has its roots in a 2007 Call for Evidence by the Commission on substitute investment products, aims to improve cross-sector transparency in the retail investment market. The initiative is no longer called PRIPs, but a Regulation on KIDs for Investment Products. However, for the purposes of continuity in this briefing, we will continue to refer to the proposal as 'PRIPs'.
IMD II and PRIPs have been launched as a package by the Commission, alongside a further revision of the UCITS Directive (UCITS V). UCITS V similarly aims to promote consumer protection through introducing new provisions relating to UCITS depositaries, as well as new remuneration rules for UCITS managers (see UCITS V briefing for further details).
IMD II and PRIPs, while separate proposals, are linked. While disclosure requirements for investment products (including insurance investment products) will be addressed through PRIPs, sales rules will be addressed through IMD II and the Revision of the Markets in Financial Instruments Directive (MIFID II). MIFID II sales rules for non-insurance investment products will provide the blueprint for IMD II sales rules for insurance investment products. MIFID II proposals were published in October last year and are currently being negotiated. Splitting sales rules for investment products between two different Directives introduces the potential risk of discrepancies arising between the rules for insurance and non-insurance investment products during negotiations and when further measures and guidance are published. Any discrepancies would undermine the consistent and harmonised approach to the selling of investment products that the PRIPs initiative is seeking to achieve. The table below illustrates the application of sales and disclosure rules across IMD II, PRIPs and MIFID II.
|Insurance (non-investment)
|Sales and disclosure
|Investment products (non-insurance)
|KID disclosure
|Sales and disclosure
|Insurance investment products
|Enhanced sales rules (MIFID II used as blueprint)
|KID disclosure
This briefing provides an overview of the proposals followed by a more detailed look at the key changes contained in the proposals and the challenges they might bring for firms.
|Overview of proposals
|Ensure a level playing field between all participants involved in selling insurance products to achieve improved consumer protection, greater market integration and undistorted competition.
|Harmonise selling and disclosure rules for retail investment products across sectors in order to promote investor protection.
|Who is affected?
|Insurance and reinsurance undertakings and intermediaries (includes certain activities of aggregator websites and insurance policies sold ancillary to the sale of services). Professional claims managers and loss adjustors are also now in scope.
|Investment product 'manufacturers' and those who sell investment products to retail investors.
|Key changes:
|Key impact on firms:
|Regulation or Directive?
|Directive (minimum harmonisation) - Member States will be able to go further in their rules for the purposes of consumer protection.
|Regulation - removes scope for Member States to tailor requirements when they are transposed into national law meaning a more standardised approach to retail investment product disclosure across the EU.
|Implementation timeline:
|If legislative negotiations are concluded within 2013, the Directive could be applicable in 2015.
|If legislative negotiations are concluded within 2013, the Regulation could be applicable in 2015.
Key changes
We have identified six key changes in the Revision of the IMD proposal: 1) scope and definitions; 2) proportionality and cross-border entry to insurance markets across the EU; 3) professionalism; 4) information and conduct of business rules; 5) sales rules for insurance investment products; and 6) complaints, redress and sanctions.
1. Scope and definitions
In line with what was set out in the Consultation, the proposal confirms the Commission's intention to widen the scope of the Directive to capture sales by insurance and reinsurance undertakings without the intervention of an intermediary i.e. direct writers. This aims to address inconsistencies in the sale of insurance and its impact is likely to vary across Member States depending on the extent to which competent authorities have already attempted to level the playing field through national rules. The definition of 'insurance mediation' has changed. In addition to including direct sales by insurance undertakings, it also now specifically includes certain activities of insurance aggregator websites (i.e. price comparison sites) and professional claims management and loss adjusting. Significantly, the term 'introducing', which had been interpreted differently across Member States, is removed from the definition. The definition of 'reinsurance mediation' is similarly amended. The definition of an 'insurance investment product' is introduced as a contract of insurance which is also an 'investment product' as defined in the PRIPs Regulation (see below). This is intended to allow the read-across of MIFID II sales rules to these products.
2. Proportionality and cross-border entry to insurance markets across the EU
With the aim of promoting proportionality for certain activities, the proposal introduces an exemption from registration with competent authorities for those who conduct insurance mediation on an ancillary basis (and who meet certain other conditions) and for professional claims managers and loss adjustors. They will instead only need to submit a declaration to the competent authority stating their identity, address and professional activities and will be subject to a 'light touch regime'; the full conduct of business and information requirements will not apply.
The Commission has also introduced rules aimed at improving cross-border entry to insurance markets across the EU, including enhancing transparency through requiring publication of general good rules applicable in Member States.
3. Professionalism
The proposal introduces increased professionalism requirements, such as a requirement for continuing professional development (CPD), whilst attempting to retain proportionality as those performing intermediary activities should 'complete their tasks and perform their duties adequately, demonstrating appropriate professional experience relevant to the complexity of the products they are mediating'.
The requirement to possess appropriate 'knowledge and ability', as determined by the Home Member State, is maintained, however, the Commission is empowered to adopt delegated acts to specify: the notion of what adequate 'knowledge and ability' means; criteria for determining appropriate professional qualifications, experiences and skills; and the appropriate CPD necessary to maintain an adequate level of performance. We will have to wait and see as to how onerous these requirements may be on firms. To promote cross-border trade, the proposal also sets out circumstances for the mutual recognition of such 'knowledge and ability' across Member States.
4. Information and conduct of business rules
The proposal imposes similar disclosure requirements on insurance undertakings as exist for insurance intermediaries and increases requirements in several significant ways, particularly with regard to remuneration disclosure and cross-selling. Certain exemptions exist for the mediation of 'large risks', mediation by reinsurance intermediaries or undertakings and in relation to professional customers, as defined in the annex to the proposal.
The Commission has stopped short of requiring MIFID conflicts of interest requirements (i.e. the requirement to identify conflicts and disclose them to the consumer where they cannot be managed), as they have required for insurance investment products (see below). Instead, they have sought to address conflicts of interest through increased remuneration transparency.
Insurance intermediaries and undertakings will be required to disclose the nature and the basis of the calculation of any variable remuneration (i.e. sales bonus) received by employees during distribution of the insurance product. In addition, the basis (i.e. fee and/or commission) and amount of fee or commission should be disclosed by insurance intermediaries. If the amount of the commission is based on the achievement of agreed targets or thresholds, the targets or thresholds as well as any amounts payable on achieving them, should also be disclosed. With the aim of allowing a longer lead-in time for non-life intermediaries, the disclosure requirements relating to the amount of fee or commission received for the intermediation of non-life products will be 'on request' for the first five years following the Directive coming into force, before full disclosure is required. The Commission will set out further detail on this regime in delegated acts.
In line with MIFID II proposed rules on cross-selling, the proposal sets out that when an insurance product or service is offered together with another product or service as a package, the customer should be told: that the components of the package can be bought separately; and information on costs and charges of each component of the package that can be bought separately. 'Bundling' practices can continue, subject to the above, however, 'tying' will no longer be allowed i.e. defined as 'offering one or more ancillary services with an insurance service or product in a package where this insurance service or product is not made available to the consumer separately'.
A requirement is introduced that the insurance intermediary or undertakings, when carrying out mediation activities, should act 'honestly, fairly and professionally in accordance with the best interests of its customers' and all information disclosed to consumers should be 'fair, clear and not misleading'. Prior to the conclusion of a contract, IMD II also proposes a requirement that the consumer should be given sufficient information about the product to allow an informed decision on its purchase to be made.
5. Sales rules for insurance investment products: additional customer protection requirements
The proposal introduces a new chapter specifying additional requirements that relate to the sale of insurance investment products by insurance undertakings or intermediaries. As expected, these read-across MIFID II conflicts of interest and investor protection provisions, with the aim of harmonising selling practices across all investment products. The requirements include:
- Conflicts of interest must be identified and disclosed to the customer where they cannot be managed appropriately;
- In line with above, a requirement to act 'honestly, fairly and professionally in accordance with the best interests of customers' and ensure that information is 'fair, clear and not misleading';
- Appropriate information should be provided to customers and potential customers about the services they will receive, in particular regarding advice and costs and associated charges.
- Advice may be classed as independent under certain conditions which include: assessing a 'sufficiently large number' of products; not being limited to products where close links exist with the insurance intermediary or insurance undertaking; and not accepting or receiving fees, commissions or any monetary benefits paid or provided by any third party;
- Information must be obtained from a customer in order to assess suitability, for advised sales, and appropriateness, for non-advised sales, with different requirements for each; and,
- A requirement for periodic and adequate reports to customers on the service provided.
Importantly, the proposal does not read-across the MIFID II exceptions to the appropriateness test for non-advised sales, where appropriateness does not need to be assessed when certain conditions are met, for example if the sale is in relation to a non-complex product. This would therefore suggest that the Commission has concluded that all insurance investment products are complex and require an appropriateness assessment. While many insurance investment products are undoubtedly complex, there are many different types of products on the market which range in complexity and the Commission has not provided flexibility in this rule.
6. Complaints, redress and sanctions
The proposal introduces tougher rules relating to sanctions. Sanctions or measures imposed for breaches must be published by both competent authorities and, on an annual basis, by the European Insurance and Occupational Pensions Authority (EIOPA). The rules also require effective mechanisms to encourage the reporting of breaches, including protections for 'whistle-blowers' and their personal data.
Member States are now required, rather than encouraged, to set up appropriate, effective, impartial and independent complaints and redress procedures for the out-of-court settlement of disputes. However, this is unlikely to be of significant impact as the majority of Member States already have an existing dispute resolution body that covers insurance, such as the Financial Ombudsman Service in the UK.
IMD II - key challenges for firms
As identified by the Commission, the minimum harmonisation nature of the IMD has led to a 'patchwork' of national regulations related to insurance sales across Member States. Therefore, the impact of IMD II may vary across Member States depending on existing national regulations. For instance, the UK and Italian regulators have already read-across certain aspects of MIFID to insurance investment products, in the case of the UK, and to certain categories of life insurance products, in the case of Italy. Finland has relatively strict rules relating to insurance sales and has gone further than other Member States by banning brokers from receiving commission. In Belgium, the conduct of business regulator, FSMA, is consulting on setting out 'MIFID-like' rules to 'independent financial planners' in relation to their 'asset advice' including advice on certain types of insurance and pension products. Nevertheless, the proposals will have a significant impact on firms whose activities have been brought into scope or where increased requirements represent a shift from current practices.
A need to assess business models?
Activities in scope
Insurance undertakings, particularly where the majority of their sales are conducted through intermediaries, may see an advantage in concentrating on intermediated sales to avoid complying with the Directive. Likewise, the removal of the term 'introducing' from the definition of insurance intermediation may prove important for business strategy. Depending on final transposition of the Directive into national rules, certain firms, particularly those which sell insurance ancillary to the provision of other services, may see an advantage in 'introducing' consumers to intermediaries, rather than comply with relevant requirements under IMD II. Aggregator websites will need to assess the impact of the conduct of business requirements, in particular conflicts of interest disclosures, on their business models. They will need to ensure that they have appropriate controls, processes and due diligence in place.
Remuneration transparency
The significance that consumers will place on the remuneration costs associated with a product, when compared to the total cost of the product, and how this might impact buying decisions, is unclear. The Commission's aim in increasing remuneration transparency is to ensure that the consumer is more aware of potential conflicts of interest. In this regard, it is likely that the increased transparency will put pressure on sales remuneration, fees and commission. Remuneration structures across sales channels differ and it is likely that direct writers will be at an advantage to intermediaries as they may find it more straightforward to internalise distribution costs.
Firms are likely to consider forms of remuneration that may lessen the impact of the rules. For instance, there may be a trend towards more fixed rather than variable remuneration i.e. salaries as opposed to bonuses, although there will need to be a balance struck between keeping disclosed costs low and incentivising employees and distributors. Calculating the fees or commission which should be disclosed will be less than straightforward for intermediaries. We will have to wait for Level 2 for further clarity on this rule.
There is also likely to be pressure on costs and charges relating to components sold in a 'package'. As these become more transparent to the consumer, they are more likely to assess the value they place on each additional component and may conclude that they do not require additional components or decide to buy these elsewhere. In particular, this may be felt hardest in highly competitive markets where margins are already squeezed and where firms have pursued cross-selling as a strategy to boost revenue. These disclosures may mean firms having to re-think these strategies.
This focus by the Commission on insurance product cross-selling and transparency could also indicate the direction to come with regards to other non-MIFID products such as bank accounts, where the Commission identified issues of transparency and comparability in bank account fees in its March 2012 Consultation.
Additional requirements for retail investment products
The proposed changes with regard to insurance investment products aim to harmonise requirements across investment products and, as such, have been widely anticipated. Nevertheless, they represent a large shake-up in insurance investment selling practices, the impact of which will vary across Member States depending on the extent to which national regulators have already gone further than the IMD in their rules. Firms which are already subject to current MIFID sales rules in parts of their business, such as larger banks, may find the new rules less challenging to implement than, for example, smaller insurance intermediaries. They may also find that there are benefits arising from a more harmonised selling regime, allowing streamlining of training and practices and increased centralisation of functions, for example compliance functions.
In the UK, the proposals regarding advice follow a similar direction to requirements under the Retail Distribution Review, which will come into effect at the end of this year. However, any differences in requirements, for instance as regards the definition of independent advice or products caught, may pose challenges firstly to the Financial Services Authority and then to firms.
Requiring the appropriateness test for all insurance investment products places a greater regulatory burden on the sale of insurance investment products as compared to non-complex investment products. This may put insurance investment product sales at a disadvantage. As the MIFID II and IMD II rules are negotiated, any inconsistencies in investment selling practices that emerge between the two Directives are also likely to pose additional challenges.
Operational requirements and training
In addition to strategic challenges, firms will face operational challenges in complying with the proposed rules. In particular, employees will need to be trained on the new rules and face increased professionalism requirements, including CPD.
Key changes
We have identified five key changes in the PRIPs proposal: 1) scope; 2) form and content of KIDs; 3) responsibility and liability; 4) interaction with other disclosure requirements; and 5) complaints, redress and sanctions.
1. Scope
The Regulation will apply to all 'investment product manufacturers' regardless of sector, for example, fund managers, insurance undertakings, issuers of securities, credit institutions or investment firms. A 'manufacturer' includes those who makes changes to an existing investment product by altering its risk and reward profile or associated costs. The Regulation will also apply to anyone who sells an investment product to a retail investor. This will be the distributor or the 'manufacturer' in the case of a direct sale.
The Regulation covers 'investment products'- the 'P' and 'R' have been dropped from 'PRIPs' but the Commission's intention appears to remain the same. Investment products are defined as where 'the amount repayable to the investor is exposed to fluctuations in reference values or in the performance of one or more assets which are not directly purchased by the investor'. This still captures the concept that the investor, while exposed to asset fluctuations, does not have a direct holding and so a form of 'packaging' or 'manufacturing' exists. The 'retail' element is still present as it is relevant at the point of sale. Products such as investment funds, retail structured products and investments packaged as insurance policies will be caught in the 'investment product' definition. The proposal lists products which will be specifically excluded from scope, such as insurance products that do not offer investment opportunities, products exposed solely to interest rates, and direct investments, for example, in corporate shares or sovereign bonds.
Importantly, and in contrast to the Consultation, investment products 'used as individual retail pension products, i.e. accumulation vehicles for the purposes of retirement planning' are in scope. The term 'pension products' is defined. Occupational pension schemes which fall under the scope of the Solvency II Directive or the Institutions for Occupational Retirement Provision (IORP) Directive and pension products 'for which a financial contribution from the employer is required by national law and where the employee has no choice as to the pension product provider' are specifically ruled out of scope. Due to the particularly heterogeneous nature of the pensions landscape across Member States, the complexity of harmonising rules relating to pensions could also risk delays to the initiative as a whole. 'PRIPs inspired' rules for occupational pensions will be something to watch out for as the Commission reviews the IORP Directive.
2. Form and content of KIDs
The Commission intends to meet its aim of harmonised disclosure requirements across retail investment products through the introduction of KIDs when investment products are sold to retail clients. KIDs will have a strongly standardised 'look and feel' to facilitate easy comparison and comprehension by retail investors. They should be 'accurate, fair, clear and not misleading', short and concise and written in non-technical, jargon-free language. Lessons learned from UCITS Key Investor Information Documents (KIID) implementation suggest that this will be easier said than done.
The proposal sets out specific information to be included in the KID. While KIDs, as proposed, follow the 'principles' of the UCITS KIID, which became mandatory for sales of all UCITS from 1 July this year, they differ in certain respects. For example, they introduce additional sections such as an indication of whether loss of capital is possible and the recommended minimum holding period and expected liquidity profile of the product. There are also additional disclosure requirements where specific environmental, social or governance outcomes are targeted by the manufacturer and for pension products regarding projections of possible future outcomes. A 'common symbol' should be displayed on the KID to distinguish it from other documents. Further detail is expected at Level 2, particularly regarding the all important methodology underpinning the presentation of risk and reward and the calculation of costs.
It is not yet clear at this stage what would be required in the case of the insurance investment product, for example an investment bond in the UK, where a consumer may be offered a wide range of possible funds choices within a single product. A balance will need to be struck between ensuring that the KID contains sufficient information so that it is useful to the consumer in the decision-making process, whilst not overburdening them with too much information.
3. Responsibility and liability
PRIPs proposes to make the investment product manufacturer responsible for preparing and maintaining the KID. Similar to UCITS KIID requirements, the person selling the product to a retail investor is required to provide the KID, free of charge, in good time before the sale (with certain exceptions). The proposal also sets out the medium in which the KID should be disclosed.
In addition to the initial preparation of the KID, manufacturers will also need to review their KIDs regularly and ensure they are kept up to date. Further detail on the relevant conditions for maintaining the KID is to follow at Level 2, including the circumstances in which retail investors should be informed about a revised KID for an investment product they have purchased. Effective processes will be necessary to ensure that updating and distributing new KIDs does not become a 'never-ending' process.
The manufacturer will be held liable if the KID is misleading, inaccurate or incomplete, or it contains information that is inconsistent with other information documents required by law. Delegation to a third party will not change this overall responsibility and so this risk will need to be managed when considering outsourcing. The 'burden of proof' will fall on the manufacturer, rather than on the consumer, to prove that the KID was drawn up in compliance with the Regulation.
4. Interaction with other disclosure requirements
The KID is expected to be a stand-alone document, clearly separate from marketing materials. As the Commission intends it to serve a specific purpose different to other disclosure requirements, such as under Solvency II or the Prospectus Directive, it will exist in parallel to these Directives. However, the Commission has indicated that it is open to addressing the case for removing duplication across disclosure requirements in future. In the meantime, manufacturers will not be able to produce the KIDs in isolation but will need to review all disclosures for each investment product, whether marketing materials or those required by law, to ensure consistency.
While UCITS fall under the 'investment product' definition, the Commission proposes a five year transitional period before determining whether: they should be subject to the PRIPs Regulation (with the relevant KIID provisions repealed from the UCITS Directive); the relevant rules in the separate Directives should be maintained, but aligned; or the transitional period should be extended. This will follow a review of the effectiveness of the PRIPs Regulation which is set to take place four years after its implementation.
5. Complaints, redress and sanctions
New to the initiative, competent authorities will be given product intervention powers when KIDs fail to comply with the Regulation, or are not provided at all. Sanctioning powers include: prohibiting or suspending marketing of retail investment products; requesting production of a new KID; and/or informing retail investors of their rights and where they can direct complaints or claims for redress. There will be increased disclosure to the public where firms fail to comply. Firms will need to ensure they give the KID requirements appropriate attention to ensure compliance and to avoid the risk of delays to product marketing or being identified in public disclosures.
In terms of complaints, the Regulation sets out that investment product manufacturers must establish appropriate complaints procedures and, as also proposed in IMD II, Member States must establish procedures for the out-of-court settlement of disputes.
PRIPs - key challenges for firms
The Regulation will affect firms, both at a strategic and operational level.
1. Strategic challenges
Competition - the aim of the KID is to increase transparency for retail investors, allowing them to directly compare like-for-like products as well as different products that may also meet their needs. Investors will be able to compare, for example, insurance investment products with other investment funds across similar categories as set out in the KID. This is likely to drive competition across retail investment products. Investors and distributors are likely to favour well-written KIDs – it will be important to get this right.
Rationalise product range - manufacturers which find they have multiple products with similar characteristics may want to rationalise their product range so that retail investors are offered a meaningful choice of products. This would also reduce the challenge of producing and maintaining multiple KIDs which have similar offerings.
Gap analysis - the manufacturer will need to take stock of existing products and determine which products are in scope of the Regulation. They will need to assess IT requirements, people aspects including capacity and existing and required processes. Where a gap is identified, the manufacturer will need to determine whether to fill the gap themselves or whether to outsource, whilst taking into account that liability for the KID will remain with the manufacturer.
2. Operational challenges
Content of KIDs - manufacturers will need the right information and present it in the right way, ensuring language is simple, consistent with other materials and translated appropriately. Lessons learnt from implementing UCITS KIIDs suggest frequent content issues that arise are: the difficulty of expressing complex terms in plain language whilst remaining consistent with other materials; and the use of excessive information or generic wording. Unstructured text and weak translations are also common problems.
Data quality and integrity will also be important in calculating risk, charges and performance. Learning from the UCITS KIID example, the risk indicator will depend on product classification and will need to be monitored on an ongoing basis. The definition and isolation of elements that will need to be included in the charge figure may become a cumbersome process and drive review of charge structures if it appears that costs compare unfavourably with competitors or other investment products.
Producing and maintaining KIDs - a key impact on product manufacturers is likely to be the sheer number of KIDs that will need to be produced from scratch. Manufacturers will need to take stock of all their investment products and are likely to need a production process on an industrial scale. A key issue identified in the UCITS KIID implementation process has been ensuring that all teams are working off the same lists to avoid unnecessary clarification and reconciliation discussions.
In addition to producing the KID, manufacturers will also need a process in place to ensure that their KIDs are kept up-to-date (and reviewed at least annually), identifying when an update is needed and then implementing the update.
Dissemination of KID to distributors - a process will need to be established whereby distributors can access up-to-date KIDs in good time.
Training - manufacturers will need to train staff in KID production and process and distributors will require training on how to review KIDs.
The bigger picture
In response to the financial crisis and following several recent mis-selling scandals and a recognition that products are becoming more complex, there has been increased focus on consumer protection in financial services by both regulators and policymakers. We have seen a raft of recent initiatives which seek to achieve this aim in a number of ways, for example, through focusing on the point-of-sale, using improved disclosure or other conduct of business requirements, or by intervening in the product itself.
At the international level, the October 2011 G20 High-Level Principles on Financial Consumer Protection, developed by an OECD Task Force, set out common principles that countries should adopt in order to strengthen consumer protection. IOSCO's February 2012 Consultation on Suitability requirements for Complex Financial Products recommends common principles in the face of increasing complexity in financial products.
In the EU, the proposals follow other initiatives which seek to advance the consumer protection agenda. Notably, the recent MIFID II proposals aim to promote greater independence in services for consumers through introducing structural changes to the remuneration of portfolio managers and independent investment advisers, while the Markets in Financial Instruments Regulation (MIFIR) introduces 'product banning' powers for national regulators and ESMA. As noted earlier in the briefing, the PRIPs KID follows the introduction of the UCITS KIID, which became mandatory for sales of all UCITS by 1 July this year.
Deloitte's September 2011 Product Intervention briefing provides an overview of some recent national initiatives regarding product intervention. Deloitte's April 2012 Product Governance report analyses the effect of product governance regulatory initiatives on the UK market and the rest of Europe. In terms of disclosure, some national initiatives take the UCITS KIID further. For example, the Netherlands, Germany and France have already extended UCITS KIID requirements to non-UCITS. Outside the EU, Switzerland imposes KIIDs on foreign UCITS and non-UCITS, with Swiss specific information to be added, and Norway accepts KIIDs.
We can only expect policymakers' and regulators' focus on consumer protection to continue. However, considering the multiple ways in which this can be achieved and the multiple regulations which apply across products, a form of harmonisation and consistency will be important to ensure changes meet their objectives while avoiding undue burden on firms.
What's next?
The proposals will pass to the European Parliament and to the Council for negotiation and adoption. Assuming both sets of negotiations are concluded within 2013, which may be an ambitious timetable, IMD II and PRIPs could be applicable from 2015.
While this may still seem a long way off, there are things which firms can and should be doing now in preparation for these changes. As we wait for some of the details to be filled in, firms can begin addressing the strategic aspects of the proposals and assessing their capabilities, products and processes.
Please see our website for further information on the EMEA Centre for Regulatory Strategy.
|David Strachan
EMEA Centre for Regulatory Strategy
Tel: +44 20 7303 4791
|Clifford Smout
EMEA Centre for Regulatory Strategy
Tel: +44 20 7303 6390
|Cindy Chan
Partner, Risk and Regulation
Tel: +44 20 7303 5836
|Marc Noirhomme
Director, Luxembourg
Tel: +352 45145 2613
|Caroline Veris
Partner, Risk and Regulation
Tel: + 32 2 800 23 06


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Europe & Baltic Cruises
(Seine River Cruise)
Begin your journey through northern France in Paris, the "City of Light and explore Versailles & a Cabaret Show before you will embark your cruise. Visit the village of Giverny, where Monet lived for 43 years. Explore Honfleur, a charming French harbor town made famous from artist's paintings. Stroll through Rouen, the historic capital of Normandy, followed by an unforgettable excursion to the famous Normandy beaches. Visit the charming town of Les Andelys home of the impressive Château Gaillard, before coming full circle back to Paris.
Cruise Departure Dates:
(2014): Mar 27, Apr 3,10,17,24, May 1,8,22,29, Jun 5,12,19,26, Jul 3,10,17,24,31, Aug 7,14,21,28, Sep 4,11,18,25, Oct 2,9,16,30, Nov 6,13,20,27, Dec 4,11,18,25
Enjoy a private airport transfer in Paris in a private vehicle with a professional driver. Please note drivers may or may not speak English as their sole responsibility is to transfer clients from one location to another. If you would like to have the presence of an English speaking Assistant or Guide for your transfer this can be pre-arranged upon request and would be subject to an additional supplement.
Opera Cadet (4*) is located in central Paris, just 1 km from the Opera Garnier. Situated on a pleasant street with lots of little restaurants and shops opposite the Cadet Metro station, it provides direct access to the Galeries Lafayette department store and Le Louvre in 10-minutes. All of the 85 rooms have a TV with satellite channels and a minibar. Each room has its own private bathroom with amenities and a hairdryer.
Welcome aboard!Take some time to get settled into your cabin, as well as explore the length of the ship.Your welcome dinner this evening will provide an ideal opportunity to meet some of your fellow cruisemates.
Port charges are included in your multi-day itinerary.
The MS AmaLegro debuted in 2007. The vessel set new standard in European river cruising and offer a number of features, which no other European river cruise ship can match. The vessel carries 148 passengers in unequaled luxury, comfort and style and is staffed by a highly-trained professional crew, with an ongoing emphasis on personal service.
Spend the morning enjoying the lovely scenery along the Seine as you cruise to the provincial town of Vernon. The afternoon brings the chance to visit Giverny. There, you will tour the house and gardens of the Impressionist master Claude Monet. The artist lived there for more than four decades, immortalizing the flowers, footbridges and stone structures of his country estate in some of his most famous paintings, including the renowned Water Lillies series.
In the morning, enjoy the scenery as you cruise leisurely on the Seine. Arrive in Rouen, where you will tour this medieval city, the historic capital of Normandy. Walk through the old town to the imposing Notre Dame Cathedral, painted numerous times by Monet. You will also visit the square where Joan of Arc was martyred. Afterwards there is free time to explore Rouen on your own, perhaps stopping in to a local shop to sample some of the famous Norman cheeses.
Today, you will have the choice of two different excursions. The first option,"D-Day Remembered" is a full day excursion tracing the events of June 6th 1944. You start at Pegasus Bridge where the first glider bornb troops landed hours before the invasion began. Then drive the entire Normandy Beach landings – Gold, June & Sword beaches in the British and Canadian sectors. Lunch is the town of Arromanches where days after D-Day a giant floating harbor was situated. Those that wish can visit the D-Day Museum (admission charges may apply). In the afternoon you visit the US sector, Omaha and Utah beaches. The final stop the cemetery at St.Laurent, famous from the opening scenes of Saving Private Ryan.
As an alternative you can discover traditional Normandy with a visit to the Pays d'Auge and historic Caen. The "lands of the Auge" are home to traditional Norman Towns and villages, such as Beuvron-en-Auge with timber-framed houses, cider and cheese production. Caen was the home of William the Conqueror, he was responsible for building its huge 11th century fortress "Abbaye aux Hommes", still one of the largest in Europe, and it's within the Cathedral that his tomb lies.
In the afternoon today, tour Honfleur, known for its beautiful and historic port, the favorite subject matter of renowned artists including Courbet, Boudin and Monet. In the alternative, take the "Route des Abbeyes" tour of the Norman abbey of Jumieges and the imposing Benedictine abbey of St. Wandrille.
Enjoy a scenic cruise to the village of Les Andelys, site of Chateau Gaillard, built in 1196 by Richard the Lionheart. Tour the ruins of this former stronghold of the Middle Ages before continuing your cruise along the Seine.
Today, you will have your choice of two excursions. The first option is to visit Chateau Malmaison, a small castle purchased by Josephine Bonaparte in 1799, who lived there until her death in 1814. The castle also became the headquarters of the French government, along with the Tuileries, from 1800 to 1802. Today's tour will include the charming chateau, gardens and museum. In the alternative, travel to the town of Auvers-sur-Oise, famous for many 19th century painters who lived there, among them: Paul Cézanne, Charles-François Daubigny, Camille Pissarro, Jean-Baptiste-Camille Corot and, Vincent van Gogh. An "Artists Walk" will include sites associated with the artists' works, including the house of Daubigny, now a museum, and the house of Dr. Gachet, a famous subject of Van Gogh. The tour will also visit the Auberge Ravoux, known as the "Home of Van Gogh."
This morning you'll disembark from your ship and bid farewell to your fellow cruisemates.
Carol Huerth ,
November 18, 2013
"Dear Danny,
I just want to thank you for a wonderfully organized vacation and barge experience in France. We were pleased with every aspect of our vacation and will definitely recommend your company. We will also certainly recommend our exceptionally capable, pleasant guide in Paris. Waffa Lenky navigated us with relative ease through the crowded tourist attractions. She was knowledgable and fun to be with. I gave this trip a 10.
Carol Huerth
Luisa Currie ,
October 07, 2013
"I just wanted to let you know that we really enjoyed our tour of St Petersburg. Our guide was very professional and knowledgeable yet flexible and fun. Using Kensington tours for our shore excursions truly made out time in Russia the highlight of our vacation.
Tom Warner ,
October 07, 2013
"Danny, I just wanted to write back to you to let you know that my wife and I had a terrific trip. You were very helpful and patient with us and we are looking forward in booking with Kensington shortly with another trip and will go through you."
Barbara DeCoster ,
April 12, 2013
"Dear David,
Thank you, thank you, thank you for putting together the magnificent Antarctica Tour that my daughter and I just finished. Every detail worked perfectly from the time we got on the plane at SeaTac airport in Seattle, until the time we returned to SeaTac.
Giselle Lopez, the excellent tour guide in Buenos Aires was waiting for us at the airport there with a car and driver. Her half day tour of the city was excellent--she is a fantastic guide and so knowledgeable. When we checked into our hotel room, it was just great--and then we turned on the TV to a local news channel and were greeted with the news that a new pope had just been chosen and he was from Argentina! (How did you arrange the timing on that?) The location of our Hotel Madero was perfect for a short walk in the vicinity. That evening, in spite of a horrific traffic jam, our driver arrived on time to take us to Rojo Tango. Next morning we were taken to the airport right on schedule.
We were met in Ushuaia by a guide and van who took us on a tour of the National Park. Again we were fortunate to have such a knowledgeable guide. Las Hayas Hotel is definitely a winner. Our room was deluxe and dinner couldn't have been finer. Next morning we took a cab into Ushuaia for some shopping and lunch. Our driver met us a promised at the Hotel Albatross and delivered us to our cruise ship (our bags had been picked up that morning by the cruise company at Las Hayas).
The Russian cruise ship, Akademik Sergey Vavilov, was another winner. We had a lovely cabin (my daughter insists it was the best one on the ship because of size and location). Surprisingly, many of the Staff were from Seattle, the Pacific Northwest and Canada, which made for a lot of conversation for us. Again the Staff were so knowledgeable and helpful and took special care of this 80-year-old little lady. The lectures on board were great, the food delicious, the guests delightful. The Russian crew were a delight taking care of our needs efficiently and quietly.
Antarctica is so very special and spectacular. We came home with so many amazing photos and videos. We have been regaling our friends with our adventures.
From the time we left the cruise ship in Ushuaia til I walked in my front door, it was 33-1/2 hours! Next time could you arrange for Scottie to "beam us up?"
Again, I want to thank you from the bottom of my heart for a truly amazing once in a lifetime adventure. I hope to call on you again in the future.
Barbara DeCoster
Pauline Ives ,
November 06, 2012
"Hi, David,
We have now returned from our splendid tour: Munich to Budapest. Thank you very much indeed. It exceeded all our expectations, even the weather cooperated. Every driver and guide was on time – even early – and was efficient and friendly. We were surprised that the tour was so "private" and personal. We did not encounter anyone else at all from Kensington Tours although there were a few "groups" on the ship. The networking between your office and local enterprises works very well. The ship's crew and services were impressive. So thank you again. We will certainly recommend you to our friends, although at our age few travel far afield. Very best wishes, Pauline
Steve and Linda Shapiro ,
October 07, 2013
"Danny. Omg. What a fabulous fabulous time we had. Best trip ever and your team was incredible. Anastasia was the brightest most affable guide ever. Our driver was great. Thank you for making this one of the most memorable trips ever. Steve and Linda Shapiro "
October 07, 2013
"I just wanted to let you know that we really enjoyed our tour of St Petersburg. Our guide was very professional and knowledgeable yet flexible and fun. Using Kensington tours for our shore excursions truly made out time in Russia the highlight of our vacation.
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Note: We are currently updating the information for the upcoming fall term. The information listed below is from fall of 2013. Please check later for the current year's seminar offerings.
After reading the descriptions below, please return to the Advising Questionnaire to list which seminars interest you the most. For an explanation of the ESP general education codes at the end of each description, please refer to the Education through Skills and Perspectives link. Please note that the meeting time for all seminars is Tuesday and Thursday from 10:30-12:00.
This seminar examines the earliest history of Christianity, from its origins as a small, persecuted religion in first century Palestine to its acceptance by the Roman state in the reign of Constantine. The seminar begins with an attempt to understand Jesus—and the writings about Jesus—in their historical context: What can we know about Jesus, his followers, and their beliefs? How did these beliefs become codified into Christian orthodoxy, and what beliefs (and scriptures) were rejected? How did the early Christians create an organized framework for their beliefs—a church—and how did they codify what it meant to be a Christian? (r, PRE)
Instructor: Professor Leedom
Student Success Leader: Hilla Haidari
Close reading and discussion of poems that deal with food, its gathering, preparation, sharing, and eating. As we explore these works in class, in our essays, and through experiential means, many questions will emerge, among them perhaps some of the following: Can the page be a plate, a table, a cutting board, a loaf, a soup? Can we taste words? How might sentences, their pacing, nourish us or make us hungrier? Is an adjective more fruit or bread? To which food group do prepositions belong, if any, or to more than one? Are nouns milk? What about verbs? Is the ear a kind of mouth? Could the mind, heart, mouth, and belly be more unified than we know? Are some words, like some ingredients, more local; if so, are they necessarily more wholesome and nourishing than others? How does food, in poetry, spark taste buds of memory, community, illness, health, the senses, tradition, fantasy, feeling, form, the spiritual, the heathenish, the romantic? (f, w, x, r)
Instructor: Professor Moeckel
Student Success Leader: Morgan Blalock
What do our clothes say about us? From togas to Lady Gaga's meat dress, people everywhere have used clothing to create gender and class identity, as well as to protect themselves from the elements. In this seminar, we will look at the history of fashion in the western world from ancient times to the present, from Egyptian fashions to Alexander McQueen. We will be using the lens of art history to study clothing from the distant past, as well as fashion photography for the dress of more recent eras. We will think about fashion as a cultural industry. The core of our seminar will be student-led discussions and presentations, but we will also have hands-on activities involving the creation (by cutting, assembling, and sewing) of garments inspired by historical periods. (f, w, x, r)
Instructor: Professor Nolan
Student Success Leader: Johnna Henry
In this seminar, you will be introduced to various traditional and newer photographic technologies and apply them to specific projects that explore personal identity and autobiography. Using home-made pinhole cameras, toy Holga cameras, smartphones, and the basics of Photoshop, you will make self-portraits, transform family photographs that have recorded your life, and build grids from photographs of personal belongings. Along the way, you will learn both wet (silver) processes and digital processes (scanners, Photoshop). Class activity will include presentations of relevant historical and contemporary photographers. The seminar will also include a research component. (r)
Lab fee: $150.00
Instructor: Professor Sulkin
Student Success Leader: Alex Pell
Whoever loves and understands a garden will find contentment within. ~ Chinese proverb
When you plant a tree, never plant only one. Plant three -- one for shade, one for fruit, one for beauty. ~African proverb
What do you think of when you hear the word nature? What is the earth to people in Africa, the Caribbean, or Asia? How is nature imagined, and what is humanity's relation to it? These are just a few of the questions we will address in this first-year seminar that combines the study of literature, nonfiction, and films to explore the relationship between humans and their environment. Through an interdisciplinary and global lens, we examine interactions between human beings and the complex natural world we inhabit. Although the focus is primarily on nature in literature and film, this seminar also incorporates material from a number of disciplines and encourages us to make connections between concepts we might not have paired together before. The beauty of the study of nature, besides being a compelling subject, is that so many topics such as art, philosophy, painting, writing, music, sculpture, gardens, agriculture, food, health, science, economics, and political science, to name but a few, are intrinsically linked to nature. Class discussions, essays, nature journals, personal research, participation in the community garden, and walks around willow-bordered creeks will inspire us to make vital connections. (o, r, GLO)
Instructor: Professor Sampon-Nicolas
Student Success Leader: Brenna Rivett
Do you sing, dance, or act? Love musical theatre? Write plays or scripts of your own? This is the seminar for you! We will be studying women on Broadway, from multiple angles. On one hand, we will delve into the portrayal of female characters and archetypes, as seen in both historical and present day productions. On the other hand, we will explore the actual women involved in the creation of live Broadway theatre as actors, directors, choreographers, producers, designers, and more. We will review scripts, study musical scores, take a closer look at notable Broadway women, and even sing a few songs. As an "o" course, students will spend time developing speaking and presentation skills, culminating in a final project and oral presentation. (o, r)
Instructor: Professor Wahl-Fouts
Student Success Leader: Deborah Rogers
This course will step back from the daily "noise" of the 24-hour news cycle and examine just what goes on in a presidential campaign and in the first months of a Presidential term. Students will "adopt" either a presidential or vice presidential candidate (including candidates from a prominent third-party campaign, if there is one) and take part in a number of hands-on, collaborative projects designed to capture the essence and the spirit of trying to become president. These projects will include, but not be limited to, designing campaign materials, scheduling your adopted candidate in a key "swing state," counting likely Electoral College votes, and preparing for the first months of the new presidential term. The course will also make comparisons with other nations' methods of choosing heads of government. Whether or not you'd like to be president yourself someday, this course will help you to understand the men and women who do enter that unique arena. (r)
Instructor: Professor Lynch
Student Success Leader: Deborah Birch
Instructor: Professor Richter
Student Success Leader: Pavithra Suresh
"Gaia, the earth goddess, teaches justice to those who can learn; for the better she is served, the more good things she gives in return," (Xenophon, Oeconomicus V.12).
This quote from Xenophon, a Greek historian of the 4th century BCE, illustrates that humans have never existed in isolation but have an awareness of and live intertwined with the complex biotic communities that surround them. This is as true for the ancient societies in Mesopotamia, Egypt, Greece, and the Roman Empire, as it is for our contemporary world. What these ancient communities thought about nature can be found in ideas expressed in their mythology, literature, theology, and art. How they interacted with and altered their surroundings can be traced in the remains of their farmsteads, urban centers, religious sanctuaries...and garbage pits. This course will be an introduction to the environmental history of the ancient Mediterranean using many and varied ancient sources to discover the destructive and successful ways humans have lived in the natural world. (f, w, x, r, PRE)
Instructor: Professor Salowey
Student Success Leader: Catherine Hensly
Have you ever wanted to see if a myth was really true? This seminar explores the science and ingenuity necessary to identify, solve, and present findings on whether or not an urban legend or myth is true or false. Through required readings and using the popular television series, Mythbusters, as an example, students will be presented with a series of myths or urban legends and be required to prove them true or false by using the scientific method. Students will also be required to design and build, with instructor approval, small-scale experiments to prove their findings using the scene shop in the theatre. Students will then present their findings to the class in an oral presentation, as well as submit their research, findings, and conclusions in a research paper format for each myth. (o, r)
Instructor: Professor Forsman
Student Success Leader: Katherine Ward
The disconnect between humans and the natural world has become increasingly common. In his essay, Thinking Like a Mountain, Aldo Leopold ponders the meaning of wilderness and the disconnect humans have with wild things and wild places. More recently, in his 2006 book, titled The Last Child in the Woods, Richard Louv refers to this disconnect as "Nature-Deficit Disorder." The goal of this course is to develop or reestablish the connections our students have with the natural world, converting nature from something abstract and ethereal to something tangible through experiential learning, discovery, and scientific inquiry. To give perspective and direction to this exploration of nature, conservation, and environmental sustainability, students will have the opportunity to explore the writings of Leopold, Louv, Thoreau, Emerson, Carson, Muir, and others. We will spend extensive time outside observing organisms in terrestrial and aquatic habitats, navigating and orienteering, and exploring natural environments through journaling and individual and group-oriented exercises. From these experiences, students will ultimately develop a personal environmental ethic. (r, SCI)
Instructors: Professors Wilson and Owens
Student Success Leader: Sarah Knox
This course will examine the role that religion plays in historical and contemporary political and cultural struggles throughout the world. How important are religious divisions in understanding global conflicts? In what ways do warring factions "use" religion to sow division within their political groups? Alternatively, how are religious teachings used to construct visions of peace and reconciliation in war-torn regions? Among the case studies we will examine in the course are: The Israeli-Palestinian Conflict, South Asian politics (India/Pakistan), the Arab Spring, Liberation Theology, European Islamic movements, and the North/South division in The Sudan. In addition to learning about and discussing the major issues present within these case studies, students will prepare oral presentations on topics related to the course. We will work collectively in class to construct visions of creative and sustainable solutions to global conflicts. (o, r)
Instructors: Professors Bohland and Schumm
Student Success Leader: Cecelia Parks
This class works from the premise that "knowledge is power" to the conclusion that self-knowledge leads to personal and community empowerment. Reading from a feminist perspective, we'll think about how literature helps us better understand ourselves and our communities. Course texts include fairy tales, stories, essays, and novels by authors such as Margaret Atwood, Eve Ensler, Charlotte Perkins Gilman, Barbara Kingsolver, Robin McKinley, and Peggy Vincent. This is a seminar for women who love to read and write, who are interested in learning more about how the physical intersects with the emotional, intellectual, and spiritual, and who are open to thinking about the ways they are shaped by and can shape their communities. Students will develop their skills as writers and thinkers, participate in experiential workshops, and become part of a community of women committed to supporting and challenging each other. (o, r, AES)
Instructor: Professor Pfeiffer
Student Success Leader: Kindra Wyatt


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Free Yoga Mat Bag with the Purchase of an Elite Hot Hybrid or Jivana Mat!
tpECOmat Plus (5mm)
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You must earn 10,000 points to post other members' whiteboard
Goodbye, d.
Sorry, I am dropping all my buddies with the Shadow Head. I prefer not to lose you, won't you post a picture? But I will complete it in 1 week. David...............QQ
Saw your handle in an old file. Would you be my newest buddy from Mi. Seem we have a common bud or two! David QQ
David QQ
You posted to Lionsfan about ( I presume ) the Speedway at Alpine and 3 Mile. Not sure what's going on. Even Speedway's website does not seem to recognize it as a Speedway station right now.
Can you tell me please, where is the mid-grade gas pump at Sam's Club on Alpine?
Please become our Gas Buddy.


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« Chaz Bono Looks Like He's Lost Some Weight! | Main | Demi Lovato Takes A "Twitter Break" »
EXCLUSIVE PHOTOS - Seal Still Wearing His Wedding Ring After Announcing Split From Heidi Klum
Posted on Mon Jan 23, 2012 01:10 PM PDT
Just hours after confirming the news that he is splitting from wife Heidi Klum, Seal was snapped arriving at a Los Angeles studio today wearing his gold wedding ring.
The singer is set to release his 8th studio album tomorrow, Seal Soul 2, so it doesn't appear as though the crumble of his marriage is affecting his professional life. While this seems to be business as usual for the Grammy winner, we do find it interesting that he's still wearing his wedding band ... and not making any attempt to stay out of the limelight.
And despite reports that Seal's inability to control his anger was the reason behind the split, he didn't seem to be in a bad mood when we spotted him exiting his car:
Is it just us, or is he smiling!?
Wonder what really happened with these two? We definitely didn't see this one coming!
Seal Explains How He And Heidi Told The Kids About Their Split - Jan 27, 2012
Newly-Single Seal Smiles His Way Through LAX - Jan 27, 2012
Seal Puts On His Game Face To Promote New Album - Jan 25, 2012
Seal On Getting Back Together With Heidi: "It May Happen" - Jan 25, 2012
Seal Stops By Ellen For First Interview Since Split With Heidi Klum - Jan 23, 2012


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Roy's Hawaiian Fusion® Cuisine promises to make for one of the most unique fine dining experiences available. Nowhere else will
you find Roy's Classic Hawaiian Martini, Yamaguchi Sushi®, Misoyaki Butterfish and Chocolate Soufflé all at the same table.
So escape to paradise, and experience the world's finest cuisine deliciously wrapped in a Hawaiian state of mind.
Home | About Roys | Careers | Cuisine | Press Room | Contact Us | Site Map | Privacy Policy | Terms & Conditions
All information and assets contained within this site are the sole property of Roy's Hawaiian Fusion® Cuisine


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No major updates on the free agent market yet, but Phillies apparently remain in play for free agent outfielders Michael Bourn, B.J. Upton, and Josh Hamilton.
Outfielder Juan Pierre, a surprising bright spot on an otherwise dismal 2012 Phillies team, has signed a one year, $1.6 million deal with the Miami Marlins.
The 33 year old corner infielder has struggled with injuries but may be the best option in a thin third base market.
With July's departure of All-Star center fielder Shane Victorino, the Phillies head into the offseason trying to figure out who will play the position in 2013. Which options are best?
Ken Rosenthal of FOX Sports reports that the Phillies have "quietly" checked in on free agent outfielder Josh Hamilton.
The Phillies are rumored to be heavy into talks for B.J. Upton. But is forfeiting the 16th overall pick for him a wise decision?
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Safari Books Online is a digital library providing on-demand subscription access to thousands of learning resources.
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ZigBee Wireless Sensor and Control Network
By: Ata Elahi Ph.D.; Adam Gschwender
Publisher: Prentice Hall
Publication Date: 29-OCT-2009
Insert Date: 25-SEP-2009
Slots: 1.0
Overview: ZigBee Wireless Sensor and Control Network
The First Practical Guide to Advanced Wireless Development with ZigBee Technologies Supported by more than a hundred companies, the new ZigBee standard enables powerful new wireless applications for safety, security, and control, ranging from smart energy to home automation and medical care to advanced remote control. ZigBee Wireless Sensor and Control Network brings together all the knowledge professionals need to start building effective ZigBee solutions. The only simple, concise guide to ZigBee architecture, concepts, networking, and applications, this book thoroughly explains the...
By: Drew Gislason
Publisher: Newnes
Publication Date: 29-AUG-2008
Insert Date: 26-MAR-2009
Slots: 1.0
Overview: ZigBee Wireless Networking
ZigBee is a standard based on the IEEE 802.15.4 standard for wireless personal networks. This standard allows for the creation of very lost cost and low power networks - these applications run for years rather than months. These networks are created from sensors and actuators and can wireless control many electrical products such as remote controls, medical, industrial, and security sensors. Hundreds of companies are creating applications including Mitsubishi, Motorola, Freescale, and Siemens. This book is written for engineers who plan to develop ZigBee applications and networks, to...
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The American Journal of Geriatric Pharmacotherapy
The mission of The American Journal of Geriatric Pharmacotherapy is to provide rapid publication of original reports of recent developments in drug therapy, pharmacoepidemiology, clinical pharmacology, health services research related to drug therapy, and pharmaceutical outcomes research in older patients, as well as in-depth review articles on special topics related to drug therapy in this patient population.
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text: I get all kinds of phone calls during the course of a day. Sometimes it's the granddaughter of a reader who recalls seeing her grandpa on the cover of the Ohio Farmer in 1957, might have been March or April, but it could have been '58 or '59, and it might have been Farm Journal, but do I happen to have an extra copy of the 1957 March issue and April too? Sometimes it's a P.R. person pushing a story idea. "Would you like to talk with Ron Weedster in person? I think you will…Continue Reading