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News, Vision & Voice for the Advisory Community
The life insurance on the suicide was executed with chilling precision by the ex-CEO and the CFTC was called in to do the regulatory dirty work
January 6, 2017 — 10:46 PM UTC by Janice Kirkel
Brooke's Note: An advisor, barely 40, is put in charge of $8-billion plus in assets at a time when he is consumed with worry about a $15 million stake he managed that went badly. He has nobody to confide in to guide him to a reasonable resolution. A terrible situation that ended terribly. But now we know more about how institutional safeguards for preventing this sort of outcome failed and how the punishment ended up far exceeding any 'crime.'
David Zier, a Barron's top advisor who was CEO of Convergent Wealth Advisors at the time of his suicide in October 2014, was known for making no excuses. He'd party hard and work hard. He never let those in his life feel like they were getting less than his best.
It turns out Zier's determination to maintain that bigger-than-life persona for clients, friends, colleagues and family may have cost him his life. See: Barron's: David Zier's death takes another tragic twist. With what in retrospect looks like a perversely applied fiduciary determination, Zier committed suicide to shield those in his life any financial damage -- even hewing to a rare level of transparency.
"It didn't look like he was trying to cover anything up, using Convergent email and platforms. It's a bit of an odd case. It's one thing when you see an obvious coverup," says Todd Cipperman, principal of Cipperman Compliance Services in Wayne, Pa.
CFTC fines Convergent
On Dec. 19, the Commodity Futures Trading Commission ordered Convergent to pay an $800,000 fine. The CFTC found that Zier, in connection with his operation of a friends-and-family fund, ZAM LLC (for Zier Asset Management), had made fraudulent solicitations to clients of Convergent, totaling almost $3 million.
Previously, sources had stated that Zier never entangled Convergent clients with the ZAM clients made up of his closest personal circle.
But Zier had broken his own taboo, apparently, in an attempt to bring more money into the fund as capital for the placement of high-risk trades to quickly make up for substantial losses ZAM had suffered in 2007. The agency found that Zier represented ZAM as profitable, when, in reality, ZAM had suffered substantial losses, and also that Zier fabricated performance data that he provided to ZAM investors to conceal the fund's losses.
The CFTC also found that Zier had broken additional rules by using Convergent's operations people to execute ZAM-related trades.
After being asked to explain the irregularities, the 44-year-old Zier, father of two and engaged to be married in a few months, went to his lakeside house in rural Virginia and hanged himself. See: The RIA business mourns the death of David Zier.
Two-year-plus target?
Zier's sad last act may have been far more premeditated than suggested by the sequence of events. Zier had taken out life insurance two years prior in the amount of $9 million. It ended up being a sufficient sum to pay off ZAM investors for at least the amount of principal they had invested. There is a standard provision in life insurance policies whereby the family can collect the money regardless of the cause of death -- including suicide -- as long as the death occurs more than two years from the time the policy was purchased. This is law in most states and sources close to the Convergent situation say that that was the case for Zier.
Zier took the reins of Convergent, the Potomac, Md. and Los Angeles-based RIA, in 2012 when its former CEO Steve Lockshin began to pursue other ventures. At the time of Zier's death, Convergent managed $8.4 billion. Its Form ADV, filed Dec. 1, 2016, pegs its AUM at $133.7 million as a commodity pool operator.
Whether Convergent, which declined to respond to requests for comment, even exists anymore is a complicated question. See: Convergent Wealth begins to pick up the pieces after David Zier's death. Convergent is exempt from filing ADV 2 brochures, usually the case only for hedge funds. It sold off some of its remaining assets to Pathstone, meaning that it may exist primarily as a P.O. box collecting checks from an earn-out sale. What remains is still owned by City National Corp., Convergent acquired it in 2007. City National sells off salvaged remains of Convergent Wealth Advisors, but not before Convergent sheds nearly $7 billion of AUM
A righteous fine?
City National was sold to Royal Bank of Canada, whose deep pockets make it cinch that the CFTC will collect the $800,000. But should Convergent have been slapped with CFTC's $800,000 fine in the first place?
Depends who you ask. According to the CFTC, "certain of Zier's acts, omissions, and failures and his use of CWA resources to conduct ZAM business occurred within the course and scope of his employment with CWA. Therefore, CWA is liable for Zier's conduct."
But sources close to Convergent, who speak on the condition of anonymity, say Convergent is taking the fall for its former CEO. "What David did was wrong but I don't think Convergent did anything wrong. Within two days of finding out about his transgressions they had suspended him and demanded all the information regarding it," a source says.
Convergent is being penalized for "lousy oversight," says a source but disagrees with that assessment, saying there was plenty of outside scrutiny during the years of Zier Asset Management's existence as a play money account under Convergent's RIA. In fact, the source says, the SEC audited Convergent during that time. Convergent and ZAM gained additional scrutiny during multiple sales of the company, including to the highly regulated City National. See: With Convergent experiencing advisor exodus, City National takes greater control of the RIA
But the rub here reflects the unique circumstances of the case, according to Cipperman. "Compliance was doing due diligence yet the CFTC is holding Convergent liable for not stopping it earlier," he says, which brings up the sticky subject of internal compliance and its shortcomings. "It's always a difficult issue when asking your own boss about outside activities."
Cipperman adds it's also odd that no one saw anything wrong until Convergent compliance started asking questions. And if anyone did see anything, they didn't follow the if-you-see-something-say-something rule.
Between the cracks
The question then arises whether ZAM, whose $20 million or so in assets comprised just a fraction of a fraction of Convergent's $8.4 billion in managed assets at one time, fell between the jurisdictional cracks -- which may be reflected in how the case was passed from agency to agency after Zier's death, at which point the SEC backed off and withdrew completely. The SEC took a wait-and-see attitude, this source says, fearing that if they came down on any wrongdoing it would leave them open to questions about their rules, which the source says essentially permitted this all to happen in the first place. See: SEC details new "Madoff fix" custody rules
The CFTC did not have that problem. "The CFTC had a different rule book," the source says. The futures regulator had jurisdiction in the case not because Forex contracts were being traded but because hedge funds that contained futures strategies were sold to ZAM investors. Zier and the people in his firm had the Series 3 licenses needed to sell those instruments. See: How the SEC is poised to hand RIAs the keys to the $1.3 trillion private placement market -- largely at the expense of stockbrokers.
CFTC spokesman Dennis Holden declined comment beyond the agency's order. The SEC would not comment when asked about its involvement in the case, or whether it was still conducting an investigation, saying only in an email that the CFTC should be asked how the case came within its purview. Convergent did not respond to an email seeking comment on whether it thought the fine was fair.
That may be a moot point, since Cipperman says fines like these are usually the product of negotiations. "My guess," he says, "is that they looked at how many assets were raised [given] the false statements made."
Putting a period on this murky story is difficult. Some questions will never be answered, such as what would cause Zier to risk everything for a small side business, with what some say was $20 million in AUM, others far less.
"We're only hearing the CFTC's side," says Cipperman, "we'll never hear his side."
Share your thoughts and opinions with the author or other readers.
Big Bopper said:
January 7, 2017 — 3:23 PM UTC
Stephen Winks said:
January 8, 2017 — 4:58 PM UTC
News in may said:
August 5, 2017 — 1:36 PM UTC


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Single Centre Guided Holidays
Lake District
The Lake District is England's only true mountain region and contains some of the most stunningly beautiful scenery in the world. The valleys which radiate from the central massif of mountains contain long, deep, glacially formed lakes which provide a marvellous contrast to the spectacular peaks and give the area its name. More
Yorkshire DalesThe Yorkshire Dales are often described as the finest walking area in England. It is the combination of high moorland, verdant valleys, limestone pastures criss-crossed by a tracery of dry stone walls, distinctive stone-built villages, crystal clear rivers and a myriad of waterfalls which gives the Yorkshire Dales National Park a unique quality. More
The CotswoldsThe Cotswolds fulfils most people's idea of a 'typical' English landscape, but the beauty of the Cotswolds is unique in that much of it is man made. The distinctively picturesque villages are typified by churches, manor houses, cottages and tithe barns all constructed from beautiful, mellow, honey-coloured stone. More
South DownsThe South Downs offer the opportunity for superb downland walking. The sense of space is truly exhilarating, with far-reaching views over both the English Channel and the Sussex Weald. The underfoot conditions are excellent, even during wet weather, and the chalk grassland supports a marvellous variety of flora and butterflies as well as numerous birds of prey. More
South Devon CoastAway to the west of the Devon Riviera lie the South Hams of Devon; a quiet and picturesque area which offers excellent walking. Although more mellow than its stormy Cornish neighbour, the coast of South Devon is blessed with more than its share of scenic grandeur and variety. More
Derbyshire DalesSet in the 'White Peak' area of the Peak District National Park, the Derbyshire Dales offer a wonderful diversity of scenery - tranquil wooded river valleys, high limestone pasture, spectacular limestone gorges and picturesque villages. The diversity, together with the generally excellent underfoot conditions, makes the Derbyshire Dales a superb base for a relaxing walking holiday. More
North CornwallNorth Cornwall has one of the most spectacular stretches of coastline to be found anywhere in the world. The Atlantic Ocean provides an awesome and ever-changing backdrop to the towering and rugged cliffs, and spectacular rocky promontories are interspersed with idyllic sandy coves and picturesque fishing villages. More
Dorset's World Heritage Coast
Dorset possesses a spectacular 'Jurassic' coastline with splendid sea-sculpted offshore rock formations; long downland ridges with magnificent views over both sea and countryside; delightful little combes sheltering idyllic thatched villages and isolated farmsteads set in the fold of the hills. One of the great joys of walking in Dorset is the fantastic contrast between the coast and its rural hinterland, and our programme of walks is designed to exploit this contrast to the full. More

subset: commoncrawl


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Culture in Full Display as 5 Academies Meet in Madikeri
Madikeri: It was a memorable event marking the convergence of five languages and cultures from around the western coast in Madikeri on Tuesday.
Kodava, Arebhashe, Tulu, Konkani and Beary Academies got their act together to share with each other their rich cultural heritage. A grand procession preceding the event was signalled off by district deputy commissioner Mir Anees Ahmed by firing a traditional gunshot in the air.
Kodava men and women, attired in their ethnic wear, Arebhashe community's tableau depicting horse-mounted freedom-fighter Guddemane Appaiah Gowda, wedding entourage of the Konkani Christian community, Kambala, Boota Kola and Yakshagana tableaus representing the Tulu culture and Beary community's 'daff' troupe – everyone of them drew special attention.
The presidents of five academies, office-bearers and artistes were present on the occasion. At the meeting venue, leaders of all five groups spoke on their respective language, literature and culture.
Credit should go to the Kodava and Arebhashe Academies based in Madikeri for organizing the event.
Click Here for Photo Album
special correspondent
pics Ramachandra / Impact


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At the University of Chicago Medicine, diversity and inclusion are core values, informing all that we do. To ensure that continues to be the case now and in the future, we have created the Diversity and Inclusion Initiative. Just as the University of Chicago Medicine and the Biological Sciences Division partner research with medicine to ensure the best-possible outcomes, the Initiative brings us together with the University to foster and encourage the broadest possible scope of voices and backgrounds.
The University of Chicago has always been known for its diversity of thought; we intend to make it equally known for diversity in the broadest sense. That's because a diverse, multicultural faculty, staff, and student population—one as equally adept at tackling heath care disparities as it is at conducting basic laboratory research and clinical trials— benefits us all. A medical center like ours must aspire to the highest standards of patient care, and to achieve that, we need a faculty—and future faculty—that reflects our patient population.
Our commitment to diversity begins with University leaders, is reinforced by faculty and staff organizations and committees, and is supported by our students. Leading the way in all this is the Diversity and Inclusion Steering Committee. Headed by Iris Romero, MD, and Brenda Battle, RN, the committee fosters a comfortable, supportive environment for our students, clinical researchers, faculty, staff, health care professionals, service providers and, most important, our patients.
As you delve into the many facets of our Diversity and Inclusion Initiative, I hope this website proves not only informative, but inspirational.


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School Of Law And Justice
"The vision of legal education in the School of Law & Justice, Adamas University is to provide justice-oriented education essential to the realisation of values enshrined in the Constitution of India, with an excellent team of teachers and a selected student body, stressing individual attention and extensive as well as intensive study and, thereby, carrying further the all important task of educational renaissance in the country befitting the monumental efforts of the Founder of the University, Professor Samit Ray."
This statement of basic policy reflects both an ambitious goal and a steady determination to attain it.
Its enviable infra-structure and academic ambience bonded with welcoming atmosphere foster the students' aspiration to excel. The School and its faculty seek to promote and nurture the essence of excellence among students.
Sir Henry Maine, speaking in terms of the utility of the knowledge of law to the individual for success in life, wrote that legal studies were given the highest priority in Rome because "Law was the doorway to wealth, to fame, to status, to the Council of Chamber, nay to the very throne itself."
Institutions imparting legal education including Indian Law Universities are falling behind severely in Knowledge integration. Thus Law and Justice in India fall back tremendously compared to other branches of knowledge. Naturally justice delivery system gets severely affected.
'Legal education' can transcend to 'justice education' only if there is very high degree of integration between education relating to 'matter of fact' and 'matter of law'. 'Matter of fact' education comes from science, social science, engineering, technology, medicine etc. On the other hand 'matter of law' education comes from value education in each breach of knowledge and consequently development of system of 'procedure and prove'. Weakness in one would weaken the administration of justice and ultimately damage the 'rule of law'.
The School of Law and Justice, Adamas University has started and committed to take legal education to the realm of convergence of knowledge in a knowledge society till it is too late for the country placing great emphasis on justice education for development of human resources to become good jurists, judges and academicians to come out of the University.
In addition, our objective in all the following courses is development of skill for critical and prudential judgement as the principal goal of legal education is formative rather than informative.
|Program Level
|Duration (Yrs.)
|UG Degree
|BBA, LLB (Honours)
|5 years integrated Dual Degree program for BBA (Honours) and LLB Degree
View Course Details
|UG Degree
|BA, LLB (Honours)
|5 years integrated Dual Degree program for BA (Honours) and LLB Degree
View Course Details
|UG Degree
|5 years integrated Dual Degree program for BSC (Honours) and LLB Degree
View Course Details


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Hey Kessy aims to promote arts and crafts by making washi tape and other arts and crafts materials more affordable and available in the Philippines.
We're also doing our part in building a healthy crafting community that you can be part of. Anyone is welcome to join the workshops, art fairs, and other events that we have lined up month after month, which are all great avenues to meet people and be with fellow crafters, makers, and artists.
Hey Kessy is run by Mansy Abesamis, a papercut artist, jewelry maker, crafter, and potter. It was her search for washi tape that led her to start selling the pretty and colorful products online.
Later on, as her love for arts and crafts grew, the kinds of items available in the store also expanded to include more than just washi tapes. She holds various kinds of workshops every month, and joins arts and crafts events all throughout the year.
Helping out Mansy is graphic designer and illustrator, Paul Imbong. He's the first to design original Hey Kessy washi tapes and is the mind behind the cute postcards that we give away for free each month. Check out his other illustrations at www.popol.ph.
Let's Collaborate
We want to work with you! Share your ideas on how we can do, or make, something together. Email us at firstname.lastname@example.com.
Yes we are! Share with us your ideas how we can work together by sending an email to email@example.com.
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As a kid, I was more likely to daydream about a wildly successful book signing to celebrate my first novel than the details of my wedding day. In fact, I never gave the date much thought, except for one little detail: the cake.
You know the one. The tiered confection that has its own ritual at the wedding reception. I knew it had to represent our relationship and be "don't judge me for taking thirds!" delicious. I knew it had to have a tie-dye interior. (That part I realized about 8 months before getting engaged, when marriage really hadn't crossed my mind, but I saw a slice of Blue Note Bakery's South Austin cake and HAD to have it. A photo of the page from Everyday with Rachael Ray has been sitting in My Pictures folder ever since that fateful day in March.)
Thankfully, Nate (the now-husband) was all on board with my off-the-wall idea, even if several bakers thought we were more than a little bonkers. (Including our baker, who referred to it as the "psycho cake," which she assured us meant "psychadelic." Yeah, surrrre.) The cake was us: our relationship was built on the unexpected–dates included ice cream fights, geocaching and thinking about Weird Things–so it was only fitting our cake reflected our love of life's beautiful little quirks.
Monday, April 15, marks one year of marriage, and in honor of that milestone, I recreated our cake in miniature form. We won't be enjoying the top tier, like many couples do, because this cake was so gobble-worthy we took it to Hawaii and feasted on it during our honeymoon. (Chocolate-chip tie-dye cake for breakfast? If there's one time you can get away with it, it's your honeymoon, people. Plus, it's a heck of a lot better than thawing a freezer-burned layer 365 days later.)
If you make one, be sure to share it! We never got photos of the interior of my beloved, beloved confection, so now I feel obligated to live vicariously through its reincarnations.
Tie-Dye Mini Layer Cakes
- Use this recipe for the tie-dye cake batter, but instead of layering all the batter in muffin tins, use a 4-inch cake pan and a mini-muffin tin to create the layers. (Sadly, regular-sized muffin tins are too close in size to the minis and the 4-inch, so they don't really work here.)
- Sprinkle in a few mini chocolate chips as you layer the different color batters. Fill each cup 2/3s of the way, so it will bake evenly without creating a muffin top.
- Bake at 350 degrees for 9-11 minutes for the minis and 18-20 minutes for the 4-inch cakes, or until a toothpick inserted in the center comes out clean. Let 'em cool for 15 minutes until moving on to the assembly phase.
- Use a knife to make a small cut all the way around the 4-inch cake. As you turn the cake, make slices deeper and deeper until you've cut all the way through into two even layers. (This is an easy way to cut in a straight line.) Set the top layer aside and place small strips of parchment paper under the bottom layer.
- Frost the top of the bottom layer and plop on the top half. Set a mini-cupcake on top and push a straw through the center of both cakes. This keeps the layers from sliding apart. Trim the straw to the size of the layer cake. Now frost the entire thing.
- Spoon some frosting into a resealable plastic bag and cut a tiny hole the size of a Sharpie's felt tip in one corner. You can use this to pipe on any swirls, polka dots or other decorations.
NOTE: Be sure to warn people about the straws before serving! You don't want them gnawing on (or worse, swallowing) it.
Other Desserts You'll Crave Endlessly:
- Put a (Doughnut) Ring on It! (AKA The Engagement Story)
- She's the First's Tie-Dye Cupcakes Recipe
- Chocolate-Covered Oreo Cheesecake (Lightened Up!)


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Paul McCartney Live in Madrid Trailer (2004)
30 May 2004
Concert at The Stadium disappeared comb. May 30, 2004. We were able to attend this amazing concert of one of the few survivors of the Beatles. setlist: jet Got to get you into my life Flaming foot All my loving Let me roll it / Foxy lady You will not see me She's a woman Maybe I'm Amazed The long and winding road In Spite of all danger Blackbird We can work it out here today All things must pass Yellow submarine I'll follow the sun For no one I'll follow the sun (reprise) I've just seen a face Calico skies Eleanor Rigby Drive my car Penny Lane Get back Band on the run Back in the USSR Live and let die I've got a feeling Lady Madonna Hey Jude Yesterday Let it be I saw her standing there Helter Skelter Sgt Pepper's (reprise) / The End
Watch the official Paul McCartney Live in Madrid 2004 trailer in HD below or find more Paul McCartney Live in Madrid videos on Vidimovie.


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The Hawthorn Club Global Summit 2017
Summit Overview:
We are delighted for the first Global Summit of the Hawthorn Club: The Transition of the Energy Sector – Women as Disruptive Change Makers.
The focus of this year's invitation only summit is 'The Transition of the Energy Sector – Women as Disruptive Change Makers' and will feature C-suite executives from all over the world. The full-day summit will explore the latest trends and issues impacting the global energy industry. We will hear from leading women from across the energy spectrum – oil and gas, power and renewable energy as well as financiers and investors, who will trace the contours of the energy transition and share insights into its impact and future direction.
The Summit will be held at the New York Athletic Club on April 26, 2017 in New York City.
Presenters and Moderators
Meade Harris, CEO of The Hawthorn Club
Meade Harris is CEO of the Hawthorn Club. The Hawthorn Club is the only professional international network for women in the energy industry. Its mission is twofold: to promote the appointment of women to senior corporate positions & boards; and to facilitate increased gender diversity within the energy sector.
She was most recently head of Member Engagement for the Global CCS Institute's America's team, responsible for business development in North & South America. Previously, she was Senior Advisor to the Global Carbon Capture and Storage Institute's European office in Paris, where she was responsible for building the organisation's relationships with Governments and Corporations in Europe, the Middle East and Africa.
Prior to entering the energy sector, Meade was a BBC Producer, based in the Washington DC Bureau, has been a consultant at Control Risks, specialising in energy issues and was one of the founders of the Climate Change Forum in London. Meade completed her undergraduate degree at the University of New Hampshire, during which time she also studied at Sydney University, before reading for a Master's degree in International Relations & Energy Security at King's College London.
Tracy Hernandez, Founding CEO of Bizfed
Tracy Hernandez was instrumental in BizFed's organizational founding, early-warning, advocacy and outreach efforts, as well as boosted civic engagement among the elusive business-owner market segment. Since its launch in January 2008, BizFed has nearly doubled its number of members and is extremely proud of its dynamic Board of Directors comprised of 180 Los Angeles County market-leading executives.
Today, BizFed, a not-for-profit 501(c)6 organization, serves over 130 business organizations representing a diverse cross-section of well over 268,000 businesses across the county and works to advocate for positive public policy, legislation, and civic engagement across Los Angeles County's diverse business community. Recently BizFed formed a foundation arm, BizFed Institute, and a political action committee, BizFed PAC, to extend research, education, and campaign work to complement BizFed's core advocacy efforts.
Mrs. Hernandez also is the owner of the business advisory firm IMPOWER, Inc., which leads the strategy and execution of "communications transformations" for clients such as national trade associations, municipal agencies, and healthcare industries that seek cutting-edge media and public relations in which content is king. Services include powerful coalition and alliance building and critical convenings; relevant market, organization asset, and brand focus; comprehensive website development; and social media integration in which relevant timely content creation and delivery makes a difference.
Formerly, Mrs. Hernandez served as the first female publisher of the Los Angeles Daily News in the paper's nearly 100-year history. As a 20-year veteran of the daily newspaper business, she has held chief executive positions in a variety of major markets across the country, including over a decade with the Journal Register Company (JRC) of Trenton, New Jersey, where she served as Publisher and CEO of four award-winning newspapers in Pennsylvania, Rhode Island, and Massachusetts. Ms. Rafter formerly owned and operated a group of newspapers and websites in Walla Walla, Washington.
Elisabeth Brinton, Executive General Manager, New Energy, AGL Energy
Elisabeth has more than 25 years of experience growing companies and leading innovation across sectors including energy, technology, consumer food products and agriculture. Elisabeth joined AGL in September 2016 from New York Stock Exchange-listed Pacific Gas and Electric Company (PG&E) where she led Corporate Strategy, launched PG&E's ground breaking IoT "Grid of Things" business strategy, ran M&A and strategic investments. Elisabeth also led California's exploration of new utility business models.
She is a science and humanities graduate of Principia College in Illinois, USA and is also a recipient of the prestigious Harry S Truman scholarship and a Lincoln Academy inductee, both in the USA.
Amy Grace, Head of North American Research, Bloomberg New Energy Finance
Amy Grace is head of North American research at Bloomberg New Energy Finance. She leads a team responsible for producing and communicating analysis on the economics, policy, and strategic dynamics of the North American power sector. She previously was head of Wind Insight at BNEF, where she led research on the global wind sector. Amy has spoken at numerous international conferences and been quoted extensively in the media. She is a graduate of the University of Notre Dame's Program of Liberal Studies, and holds a master's degree from Columbia University's School of International and Public Affairs in energy and finance.
Michael Liebreich, Founder & Advisory Board Chairman, Bloomberg New Energy Finance
Michael Liebreich is Chairman of the Advisory Board of Bloomberg New Energy Finance, the world's leading provider of research for senior decision-makers in clean energy and transportation. He is also a Board Member of Transport for London, the capital's transport authority, a member of the high-level advisory board of the UN's Sustainable Energy for All initiative and holds a variety of other directory and advisory positions in business and the non-profit sector. Michael founded New Energy Finance in 2004 and acted as Chairman and Chief Executive until selling it to Bloomberg LP in 2009. Now called Bloomberg New Energy Finance, the business is headquartered in London, with over 200 staff working out of 13 offices globally; its clients include most of the major ministries, investors, energy and technology companies in transport and energy.
Lisa DeMarco, International Climate Lawyer
Lisa DeMarco is a lawyer with over two decades of experience in law, regulation, policy and advocacy relating to energy and climate change. She represents several governments and leading energy clients in a wide variety of natural gas, electricity, pipeline, and energy storage matters before various regulatory tribunals, including the Ontario Energy Board and the National Energy Board. She has been an adjunct professor at Osgoode Hall Law School and lectures regularly. Ms. DeMarco also assists leading Canadian energy companies on domestic and overseas power project development, renewable power projects, alternative fuel projects, cleantech development and finance, energy storage, carbon capture and storage, corporate social responsibility, environmental disclosure, clean energy finance, and sustainable business strategy. She is ranked by Chamber's Global as one of the world's leading climate change lawyers and regularly attends and advises on United Nations Climate negotiations. She is ranked and repeatedly recommended by Lexpert, Expert Guide, International Who's Who and Chambers Canada as a leading energy (oil and gas) and environment lawyer.
Ms. DeMarco has advised multilateral development banks and energy companies on deals and projects in India, Brazil, Sri Lanka, Thailand, Argentina, Chile, Peru, Ireland, Africa, Mexico, China, Russia, California, Alberta, Ontario, British Columbia, and Quebec. She plays an ongoing and active role in the development and drafting of energy and greenhouse gas emissions policy, regulation, and law throughout Canada, and in various countries around the world. She was appointed to the Premier of Ontario's now completed Climate Change Advisory Panel and continues to serve as an appointed member of Ontario's Clean Energy Task Force and Climate Action Group. Ms. DeMarco is a member of the Board of Directors of Ontario Power Generation and the Toronto Atmospheric Fund Investment Committee. She is currently on the editorial board of the Carbon and Climate Law Review. She is a graduate of the Western University (BSc. Hon. 1990), the University of Toronto (MSc. 1992), Osgoode Hall Law School, York University (LLB 1995) and the Vermont Law School (MSEL, summa cum laude 1995). She is called to the bar in Ontario and England.
Trude Sundset, CEO, Gassnova
Trude Sundset is CEO of Gassnova. She has 30 years business experience, and with key areas within energy, environment and climate issues. Her several years of management experience includes both management on corporate level, line management for large groups, R&D management as well as business development and oil/gas field development. Sundset has experience from Boards of organisations including commercial businesses, experience from international collaboration and has built a broad network in various international organisations. Sundset holds a Master of Technology, Physical Chemistry, from Norwegian University of Science and Technology, NTNU, Trondheim.
Sydney Schneir, Senior Advisor, U.S. Department of Energy Loan Programs Office
Sydney Schneir is a Special Advisor at the U.S. Department of Energy's Loan Programs Office (LPO), where she is responsible for managing the office's external affairs activities including communications, engagement, and development. Prior to joining LPO, she served as the lead speechwriter for Dr. David Danielson, Assistant Secretary of Energy Efficiency and Renewable Energy, and as an analyst in the Office of Strategic Programs.
Previously, she was a Presidential Management Fellow at the U.S. Department of Transportation and the White House Council on Environmental Quality. Sydney started her career in public service as a Legislative Aide to the Chairman of the House Committee on Global Warming and Climate Change in the Massachusetts State House.
Ms. Schneir holds a Master's degree in Comparative Politics from Northeastern University, and a Bachelor's degree in Political Science and French from the University of Delaware.
Sydney McNiff Johnson, Senior Advisor, Dentons
Sydney McNiff Johnson is a senior advisor in Dentons' global Energy practice, where she brings years of experience advising clients on domestic and international energy, environmental and government solutions within the government relations and public affairs arenas. Sydney routinely engages her strategic insight on project management for alternative energy and traditional energy clients, as well as her formidable communications strategies to increase client visibility and direct public opinion within government and commercial sectors. She is a skilled negotiator and facilitator with thought leaders and energy policy professionals on a global scale, and advises clients on current energy policy issues and long-term business decisions. Sydney's practice has a particular focus on energy, transport and infrastructure, government, nuclear, mining and renewable energy issues.
Sydney received a BA in Political Science and Economics from Colorado College, where she wrote her thesis, "A Cost Comparison of Nuclear versus Coal for Electrical Generation 1985–2000." She has completed two executive education courses at Stanford University's Graduate School of Business: Finance and Accounting for the Non-Financial Executive (April 2003) and Negotiation and Influence Strategies (April 2004).
Megan Bloomgren, Special Assistant to the Secretary of the Interior
Norah O'Donnell, CBS This Morning
Norah O'Donnell is a co-host of "CBS This Morning." She also contributes to "60 Minutes" and fills in as anchor for the "CBS Evening News." O'Donnell joined "CBS This Morning" in July 2012. Prior to that, she served as CBS News' Chief White House Correspondent.
Nancy Pfund, Founder & Partner, DBL Partners
Nancy E. Pfund is Founder and Managing Partner of DBL Investors, a venture capital firm located in San Francisco, whose goal is to combine top-tier financial returns with meaningful social, economic and environmental returns in the regions and sectors in which it invests. As a leading player in the growing field of "impact investing", DBL has helped to reveal the power of venture capital to promote social change and environmental improvement, and Ms. Pfund writes and speaks frequently on this topic. Ms. Pfund currently sponsors or sits on the board of directors of several companies, including; SolarCity (NASDAQ: SCTY) on both the audit and compensation committees, BrightSource Energy, Primus Power, Eco.logic Brands, and Farmers Business Network, and, prior to their public offerings, Tesla Motors and Pandora Media. Prior to founding DBL, Ms. Pfund was a Managing Director in Venture Capital at JPMorgan, having started her investment career at Hambrecht & Quist in 1984. Previously, Ms. Pfund worked at Intel Corporation, the State of California, Stanford University and the Sierra Club.
Alix Steel, Bloomberg Daybreak Americas
Alix Steel is the co-anchor of "Bloomberg Daybreak Americas" on Bloomberg Television, weekdays from 7-10am ET. She covers global markets, economic news and commodities across Bloomberg's multiple digital platforms. Steel has interviewed diverse figures as Congressman Ron Paul, a variety of CEOs from Lynn Good of Duke Energy to John Chambers of Cisco to Noel Biderman, AshleyMadison CEO, and former Duke Energy CEO, Jim Rogers, plus investors like Carson Block and Steve Forbes, real estate mogul Barbara Corcoran and much more.
Leslie Biddle, Partner, Serengeti Asset Management
Leslie D. Biddle is a partner at Serengeti Asset Management. Prior to joining Serengeti, Ms. Biddle spent nearly 10 years at Goldman Sachs, where she was most recently Global Head of Commodity Sales and the CFO of the firm's investments in the metals and mining sector. Prior, she held positions as head of Power, Metals/Industrial, Latin American and Environmental Commodities. Ms. Biddle was responsible for many of the structured transactions in the private equity and power spaces including the monetization of the Allegheny DWR Contract, the structuring of Calpine Construction Finance Company hedge, the Texas Genco acquisition, Northern Tier Energy financing and the TXU leveraged buyout. Ms. Biddle was also a member of the firm's Finance Committee, Business Practices Committee, Firmwide New Activity Committee, Structured Investment Products Committee, and European Audit and Compliance Committee. She was named Managing Director in 2004 and Partner in 2006. Prior to joining Goldman Sachs, Ms. Biddle was a Vice President at the AES Corporation focusing on project finance and power plant development. She also served as a Vice President at the Overseas Investment Corporation, providing political risk insurance and financing to US companies expanding overseas. She holds an A.B. from Colby College where she is a member of the Board of Trustees.
Jenny L. Apker, Senior Vice President & Chief Financial Officer, Babcock & Wilcox
Jenny L. Apker is Senior Vice President and Chief Financial Officer of Babcock & Wilcox (B&W), which is a leader in energy and environmental products and services for power and industrial markets worldwide. She joined B&W in June 2010 as Vice President and Treasurer, and assumed added responsibility for the Investor Relations function in August 2012.
Prior to joining B&W, Apker served as Vice President and Treasurer of Dex One Corporation (formerly R.H. Donnelley Corporation), a marketing services company, from 2003 -2010. Before that, she was Assistant Treasurer at Allied Waste Industries, Inc., a waste services company, from 1998-2003. Her experience includes serving as Vice President of Wells Fargo Bank/First Interstate Bank of Arizona, and in a number of positions in Corporate Finance and Treasury at Greyhound Financial Corporation. Apker began her professional career in 1979 as a Financial Accountant at The Greyhound Corporation.
Apker holds a bachelor's degree from Rice University, where she obtained degrees in managerial studies and political science.
Gro G. Haatvedt , SVP Exploration, AkerBP
Gro Gunleiksrud Haatvedt joined Aker BP in 2014. She came from the position of exploration manager for the Norwegian Continental Shelf with Statoil ASA, where she also served as country manager in Libya. She has held several positions with Norsk Hydro (head of geology, technology and competence). She has been responsible for business development in Iran, head of Oseberg, and Exploration Manager NCS. Ms. Haatvedt holds a master's degree in Applied Geophysics from the University of Oslo.
Mallika Ishwaran, Senior Economist, Group Strategy Shell
Mallika Ishwaran is Senior Economist and a member of the Shell scenarios team, within Shell International's global finance and strategy function. She has over 16 years of experience as a professions economist, in the public sector, the private sector, and academia. She received her M.Sc. and Ph.D. from Carnegie Mellon University, after receiving her B.A. from St. Stephen's College, Delhi University.
Janine Ames, Leader Global Business & Professional Services Practice, Spencer Stuart
Janine Ames is based in Spencer Stuart's Stamford Office and leads the global Business & Professional Services Practice. She is also a member of the firm's CEO and Board practices. Her client work focuses primarily on senior-level executive searches in B2B services, especially B2B information and outsourcing, in addition to management consulting and human capital-related services. She also specializes in recruiting senior strategy executives across industries.
Janine brings more than 20 years of executive recruiting, management consulting and entrepreneurial experience to her role. Before joining Spencer Stuart, Janine led recruiting and professional development for the North American technology practice at McKinsey, where she had worked earlier in her career as an associate principal, serving clients in the financial services, pharmaceutical and energy sectors. Janine was also chief financial officer and senior vice president of strategy for LiveAdvice, an online "expert services" business. Previously, she was executive director of marketing and product development for Edison Enterprises, a startup company providing home warranty and energy services. She began her career as a consultant at Bain & Company. Janine holds a bachelor's degree in commerce from the University of Virginia and an M.B.A. from Harvard Business School.
Carla Tully, President UK & Ireland, AES
Carla Tully is President of AES UK & Ireland and is responsible for the development and execution of the business strategy, leveraging off the existing 1,920 MW of generating capacity in Northern Ireland and bringing AES' global expertise in new energy solutions, such as energy storage, to the UK & Ireland. She most recently served as Vice President of the Corporate Strategy and Investment Group at the AES Corporation, and before that as Chief of Staff to AES' COO of Utilities, focusing on business-level strategy, growth, and risk management for a portfolio of businesses in Latin America, United States, Europe and Africa. Carla also worked at the Inter-American Development Bank (IDB) where she focused on financing and promoting sustainable energy investment throughout Latin America and the Caribbean.
Caroline Winn, Chief Operating Officer, SDG&E
Caroline Winn is COO of San Diego Gas and Electric. Since joining the company in 1986 as an associate engineer, she has held a number of leadership positions with SDG&E and Southern California Gas Co. (SoCalGas), including various positions within the electric transmission and distribution engineering and operations areas.
Prior to her current position, Winn was director of supply chain management for both SDG&E and SoCalGas. Previously, Winn was director of transmission and distribution asset management where she was responsible for distribution planning, electric reliability, compliance management and information technology management.
Winn has a bachelor's degree in electrical engineering from California State University Sacramento and is a registered professional engineer in the state of California. Winn serves on the Executive Committee for the Leukemia and Lymphoma Society's Light the Night Walk and serves on the Board of Directors of the Classroom of the Future Foundation. Winn also serves on the UC Davis Energy Efficiency Center Board of Advisors and on the Board of Directors of the California Restaurant Association.
Virginia Kenney, Vice President Strategy & Marketing, Business Solutions, NRG
Gin Kirkland Kinney is Vice President of Strategy & Marketing at NRG, co-located in Princeton, NJ and Houston, TX. NRG is the leading integrated power company in the U.S., built on the strength of the nation's largest and most diverse competitive electric generation portfolio and leading retail electricity platform. The Business Solutions Strategy & Marketing team works to create sustainable value by focusing on customer needs, market trends and upfront planning for new markets and products. Under Gin's leadership, the group shapes strategy for thought leadership, next-generation customer experiences, and actionable marketing plans to support and drive sales. She has been actively involved with NRG's sponsorship of the Carbon XPRIZE which supports the accelerated development and use of carbon conversion technologies that help to address climate change. Gin is an advisor to the Fair Fashion Center, an organization dedicated to proving the business case for sustainability in the apparel and accessories industry. Gin's energy-related experience also includes the development of utility scale and distributed solar, combined heat and power projects and supply-side management. She graduated from the University of Georgia.
Clare Duffy, Asset Investment Manager for ESB Networks
Clare Duffy is Asset Investment Manager for ESB Networks and is a chartered engineer with almost 20 years experience working in the power industry. ESB Networks are the licensed operators of the electricity distribution system in the Republic of Ireland and are responsible for building, operating, maintaining and developing the electricity network and serving all electricity customers across the country.
Clare is responsible for planning asset investments to maintain safety and security of supply on the national electricity distribution network. This includes plans for the connection of medium/large customers to the distribution network and the connection of renewable generation to the distribution network. With the introduction of EU renewable energy targets for 2020, ESB Networks stepped up to the challenge of the unprecedented level of connection applications for renewable energy projects by setting up a dedicated team of specialists in its Renewable Planning team. ESB Networks process all renewable energy connection applications according to strict rules governed by the Commission for Energy Regulation (CER) from initial contact by the customer right through to energisation. Previous roles have included Operations Manager for ESB International, head of the Strategic Consultancy Group, project management roles with ESB International on power infrastructure developments in Europe, Southeast Asia and the Middle East and a power system protection engineer with ALSTOM in the USA and UK.
In addition to her roles with ESB, Clare sits on the Advisory Group for Wave Energy Scotland; chairs Energy UK's Strategic Policy Committee; and is a member of the GB Committee of the British Irish Chamber of Commerce. She has post-graduate qualifications in accounting, finance, marketing and management.
Kate Brandt, Lead for Sustainability, Google
Kate Brandt leads sustainability across Google's worldwide operations and products. Previously Kate served as President Obama and the Nation's first Chief Sustainability Officer. In this capacity, she was responsible for promoting sustainability across Federal Government operations including 360,000 buildings, 650,000 vehicles, and $445 billion annually in purchased goods and services.
Prior to her appointment, Kate served as a Senior Advisor at the U.S. Department of Energy in the Office of the Under Secretary for Science and Energy where she played a key role in establishing the office and executing the President's Climate Action Plan. Before that, she was a Director for Energy and Environment in the Office of Presidential Personnel at the White House, recruiting, interviewing, and managing the presidential appointment of Senate confirmed and senior candidates for energy and environment federal agencies.
Prior to her work in the Office of Presidential Personnel, Kate served as the Special Advisor for Energy to the Secretary of the Navy. She advised the Secretary on Navy energy policy and strategy and was the policy director for the report to the President entitled America's Gulf Coast: A Long Term Recovery Plan after the Deepwater Horizon Oil Spill. Before her work at the U.S. Department of Defense, Kate was a Policy Analyst in the White House Office of Energy and Climate Change.
Kate received a Masters degree in International Relations from the University of Cambridge where she was a Gates Cambridge Scholar. She graduated with honors from Brown University.
Susan Kennedy, CEO, Advanced Microgrid Solutions
Susan Kennedy served for two decades at the highest levels of state and federal government, most recently as chief of staff to Governor Arnold Schwarzenegger, cabinet secretary and deputy chief of staff to Governor Gray Davis and communications director for U.S. Senator Dianne Feinstein. She served from 2003-2006 on California's Public Utilities Commission, regulating the state's investor-owned electric utilities, telecommunications providers and private water companies.
Susan was at the center of many of California's groundbreaking environmental policies, including the carbon reduction mandate and cap-and- trade program under AB 32, the Low-Carbon Fuel Standard, auto emission standards and Renewable Portfolio Standard. She coordinated the State's emergency demand response efforts during the energy crisis of 2000-2001 and as a member of the PUC she authored what was then the largest energy efficiency program in utility history. She holds a B.A. in Management from Saint Mary's College of California.
Kristin Barbato, Managing Director of Enterprise Development, Edison Energy
Kristin joined Edison Energy as Managing Director of Enterprise Development in July 2016. In this role, she provides energy advisory strategies and solutions for large customers to manage their facilities' various energy needs such as planning, efficiency, onsite resources, commodity supply, renewables, operations, analytics, and financing.
Prior to this role, she was Vice President of Customer Energy Solutions at the New York Power Authority (NYPA) and built a new energy services business for NYPA's public sector customers. Prior to NYPA, she was appointed to Deputy Commissioner / Chief Energy Management Officer for New York City during the Bloomberg Administration. To implement PlaNYC, New York City's long-term sustainability plan, her team managed the country's largest municipal energy infrastructure and operations with an annual budget of $1.3B. Before this appointment, she was Director of Business Development for a global energy, water, and environmental services company, Veolia Environment. Ms. Barbato also worked for Con Edison and Florida Power & Light utilities in various departments including Strategic Planning, Customer Operations, Engineering, and Information Technology.
Ms. Barbato graduated Cornell University with a B.S. in Civil Engineering. She also holds a M.S. in Organizational Leadership from Mercy College and completed her MBA with focus in Finance and Economics from Columbia University in May 2008. She is an adjunct professor at Columbia and New York University and serves on several Advisory Boards such as The Tom Coughlin Jay Fund to support families of children with cancer, the Cornell's School of Civil Engineering, and the Atkinson Center for a Sustainable Future.
Nancy Sutley, Chief Sustainability and Economic Development Officer, Los Angeles Department of Water and Power (LADWP)
In July 2014, Nancy Sutley was named Chief Sustainability and Economic Development Officer of the Los Angeles Department of Water and Power (LADWP) where she oversees energy efficiency, water conservation, economic development, and electrification of the transportation network. Prior to LADWP, Nancy Sutley served as Chair of the White House Council on Environmental Quality from January 2009 to February 2014. Under Sutley, the Council on Environmental Quality played a central role in shepherding the Obama Administration's signature environmental accomplishments. Sutley was one of the chief architects of President Obama's June 2013 Climate Action Plan to reduce carbon pollution, prepare the U.S for the impacts of climate change, and lead international efforts to address climate change. Prior to her appointment as Chair of the Council on Environmental Quality, Sutley was the Deputy Mayor for Energy and Environment for the City of Los Angeles, California under Mayor Antonio Villaraigosa. She represented Los Angeles on the Board of Directors for the Metropolitan Water District of Southern California. She served on the California State Water Resources Control Board from 2003- 2005. Sutley also was Energy Advisor for California Governor Gray Davis, and Deputy Secretary for policy and intergovernmental relations at the California EPA from 1999-2003. During the administration of President Clinton, Sutley worked for the U.S. Environmental Protection Agency as a Senior Policy Advisor to the Regional Administrator in San Francisco and Special Assistant to the Administrator in Washington, D.C.
Sutley received her bachelor's degree from Cornell University and her Master in Public Policy from Harvard University. Sutley resides in Los Angeles, CA.


text:
Music of Jimmy Van Heusen
Guitar (fingerpicking) - Advanced
Arranged for Fingerstyle Guitar. Composed by Martin Taylor. Boxed, Solos. Grossman Guitar Workshop. Jazz. DVD. Duration 58 minutes. Published by Grossman's Guitar Workshop (MB.GW957DVD).
Item Number: MB.GW957DVD
5.25 x 7.5 inches.
Jimmy Van Heusen wrote some of the all-time great jazz standards. In this unique DVD lesson Martin Taylor applies his fingerstyle jazz genius to six of Van Heusen's best known compositions. These are complex and challenging arrangements for the advanced guitarist. A detailed tab/music booklet is included as a PDF file on the DVD.


text:
Take your racing to challenges you've never before seen and sign up for an adventure race in Columbus, OH. Combine endurance with excitement through adventure racing.
Adventure Racing Activities Near
Columbus, OH
Save up to $10 on your next event!
Join Advantage today and look for the logo to save on eligible events.


text:
With Houston Appreciation Weekend quickly approaching, OVO drops a new mix tape 'HAW Chopstars'.
Many of Drake's songs include ode's to Houston and he often expresses his love for the city. Once again OVO has re-united with Houston's own OG Ron C to produce a mix tape full of songs that are chopped, not slopped. The track list includes songs from Drake, Lil Wayne, Slim Thug, YG, and more. Listen and download the new mix tape below and get ready for HAW weekend.


text:
MIGRATION FROM HTTP TO HTTPs
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.
HTTP to HTTPS
: An overview
Secure Hypertext Transfer Protocol
We need a safe and secure platform across
which information can be exchanged,
preventing unauthorized access,
and this is what HTTPS is here
Why your site needs to be HTTPSized:
The Transport Layer Security protocol
provides three key layers of protection,
and these are:
Data Integrity
->SSL/TLS vulnerabilities
->Hacks of a website, server or a
->DDOS attacks
The benefits
of securing your
website using
->Brute force attacks
->Heatbleed, Poodle, Logjam, etc.
->Software vulnerabilities
SEO advantages that HTTPS will offer you
-->Ranking Booster
-->Competitive analysis
-->Reduce crawling errors
-->Perform a site audit
-->Attract links
-->Optimize speed
-->Fix duplicate content
-->International targeting
-->Create quality content
-->Freshen your content
-->Improve internal linking
-->On-page optimization


text:
New York CBGBs
In a city of big smells, it seems Seafood are one of the most pungent.
It's 8.15pm and [I]NME[/I] is on the street, in a long queue. The band everyone is here to see is onstage. The ever-entertaining CMJ guide decides the group in question are like "a cross between Nick Drake and Neutral Milk Hotel". The man behind [I]NME[/I] raises an eyebrow at the thermonuclear racket emanating from CBs' hallowed quarters. "Man, I ain't never heard Nick Drake or Neutral Milk Hotel rock like that before…" In a city of big smells, it seems Seafood are one of the most pungent.
That's Seafood, the band from over here who sound a fair bit like a fair few bands from over there, discovering that over there thinks they're pretty dandy, thanks. And it seems extensive recent international campaigns in Japan and now this debut US tour has filled the 'Food's erstwhile scrawny veins with something molten and scary. By the time we actually wangle our way past security, there's only room for two songs: 'Cloaking', an ugly big new emo groove so rife it causes subway trains to divert via Queens, and then David Line and Kevin Hendricks make an auto-destructive feast of 'Folksong Crisis'. Two songs, too much. Amazing how fast kids grow these days.
Keith Cameron


text: Here's the latest Metro: Last Light video in the viral live-action series of 'survivor' testimonies. This time it's the Commander's turn to tell his story in this final video. THQ recently delayed the game's release to March 2013, while developer 4A Games confirmed that the shooter will ship without a multiplayer component. http://youtu.be/aDLcYTjIExM Source - CVG


text:
tx-transform Trailer (1998)
09 September 1998 5 mins
Tx-transform is a new film technique that transposes the time axis (t) and the space axis (x) with one another in film. Normally, each individual frame of film depicts the entire space but only a moment in time (1/24 second). With tx-transformed films, it is just the opposite: each frame shows the entire time but only a tiny portion of space (the left side of the picture is "before,^Ô the right side is "after^Ô). —Virgil Widrich
Watch the official tx-transform 1998 trailer in HD below or find more tx-transform videos on Vidimovie.


text:
SingStar Rocks (Playstation 2)
SingStar Rocks (Playstation 2) [Sony Computer Entertainment - $49.99]
For those wanting to explore their, um, artistic side, Sony has released SingStar Rocks for the Playstation 2. Sure, the Karaoke Revolution series of games has been around for quite a while at this point, but where SingStar trumps those games is in its tracklist and its ability to feature the original artists on their songs. I guess it helps to have one foot in the music biz and one in video games. To that end, the variety in this edition of the SingStar series is unprecedented, careening wildly from Coldplay to Skynard to Hole(?!) to the man himself, yes, it's the Fresh Prince on "Summertime". Seriously, there's music here for all tastes, making this the perfect 2AM New Year's party game for you and your talented-in-their-own-mind friends. [Amazon]


text:
GraphicRiver Traffic Lights Set 5999966
Stock Vector \ Objects
Vector \ Lights \ Traffic \ Filetypes \ Horizontal \ Illustration \ Vertical
Stock Vector - Traffic Lights Set 5999966 by digiselector @ GraphicRiver
Stock Vector \ Objects
Set of traffic lights, vertical and horizontal, vector illustration. Filetypes are available in .AI, .EPS for vector formats, and hi-quality .JPEG.
Layered: Yes; Graphics Files Included: JPG Image, Vector EPS, AI Illustrator.
Grunge Circular Textures Backgrounds Frames; Decorative Square Frames and Borders Set; Ornamental Border Frame Patterns; Small Ornamental Design Elements; Vintage Tools and Instruments Seamless Pattern; Vintage Style Design Elements Corners 3; Vintage Tools and Instruments.
Keywords: barrier, electric, electrical, equipment, green, illuminated, journey, lights, metal, pass, power, rail, railing, red, regulations, road, Semaphore, sign, signal, station, stop, stoplight, traffic, transport, transportation, travel, urban, waiting, warning, yellow.


text:
The Economist Intelligence Unit (EIU) reported that Vietnam climbed up six grades in the global business environment ranking from 71 for the period 2009-2010 to the 65th position for the 2009-2013 period.
Vietnam's business environment has improved after becoming a member of the WTO and the country will gain after implementing WTO commitments on commercial liberalisation.
In the news "Country Forecast" in October 2008, EIU assessed that between 2009 and 2010, Vietnam will improve business environment for private enterprises and introduce several new laws. By 2011-2013, more state owned enterprises (SOEs) will be equitised.
According to the news, a law system of Personal Income Tax (PIT) will be modified and enforced from January 2009. By that time, foreigners and locals will pay the same tax level. At present, foreigners have to pay a PIT which is two times higher than the local people.
Next year, state commercial banks will go in for equitisation and the operations of foreign banks will be limited.
EIU also forecasted Vietnam's actual GDP growth in 2009 is estimated at 5.3%. However, foreign investors will keep faith in Vietnam's business prospects because of the low labour cost and improved infrastructure.
As reported, the committed FDI during the first nine months of 2008 reached US$57 billion.


text:
There may be times when we are powerless to prevent injustice, but there must never be a time when we fail to protest. (Holocaust survivor, Nobel Peace Prize winner, Elie Wiesel)
Wednesday, February 11, 2009
Use the band-aid
America needs a miracle, but all we have is band-aids, so USE the band-aid!
Yesterday I just couldn't believe what I was hearing from Republicans... they were claiming to be cooperating when it was perfectly obvious to the majority of Americans that they were simply playing bipartisan politics as usual.
The stimulus package - money for Education would not create new jobs?
Hmmm, maybe not. What about saving jobs, isn't that equally important?
In our school district, up to 100 positions will be cut for the next school year. I already know of one teacher who will be losing her position without further funding. She is not losing her position based on merit either, these layoffs are being based on seniority.
State aid - cannot be overseen properly? wouldn't create new jobs?
This statement I find particularly funny in light of the lack of oversight on the stimulus package passed during President Bush's last days in office.
I don't know about where you live, but in this town, people show up in droves for our city and council county meetings, voicing their concerns. Our meetings are also aired on the local information channel in case we can't attend the meeting.
We, the people, we will keep up with how the money is spent in our own neighborhoods.
Again, this aide will help KEEP existing jobs for bridge and road maintenance, among other things.
Get real Senators in Washington, D.C. It's time to apply a little logic to your decisions and start doing what is best for the country, not what is best for your party.
Have the guts to vote your conscience, not your party.
This package will not solve our problems, nothing will. It is just a band-aid, but since that is all that we have access to at the moment, let's at least ease the pain and suffering a tad by using the band-aid.
at February 11, 2009
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House Approves Funding Cuts to FDA
The House of Representatives voted to approve the Agriculture Appropriations Bill for Fiscal Year 2012 on June 16 with a vote of 217 to 203. The final version of the bill includes a $285 million cut in the Food and Drug Administration's (FDA) funding from FY 2011 levels.
While the FDA did fair better than other federal agencies in the bill, the total funding cut still amounts to a decrease of 11.5% below last year's budget authority level, bringing the total funding for the FDA, including user fees, to $3.7 billion. Given that the agency has been severely underfunded for decades and plays a central role in ensuring that new tools and treatments for diseases like Alzheimer's are made available to people who need them, cuts of this level are unacceptable.
Advocates are actively seeking a higher number for the FDA, as Senate prepares to act on funding issues for FY 2012. ACT-AD members are encouraged to weigh in with members of the Senate Agriculture Appropriations Subcommittee to support funding for the FDA in FY 2012 that is commensurate with the challenges it faces in protecting and promoting the health of all Americans, including those with Alzheimer's disease.
To view a list of Senate Agriculture Appropriations Subcommittee Members, click here.
To view the House Agriculture Appropriations bill as reported to the Senate, click here.
FDA, Industry, agree on PDUFA V
After ten months of negotiations, the FDA, the Biotechnology Industry Organization (BIO) and the Pharmaceutical Research and Manufacturers of America (PhARMA) have reached agreement on the terms for renewing the prescription drug user fee program, The Prescription Drug User Fee Act (PDUFA). authorized the FDA to collect fees for the review of new human drugs and biological products. This is the fifth reauthorization since its enactment in 1992, The recently published agreement will increase fees $100 million over five years and adds an additional two months of review time for new drug applications, with the goal of completing a higher percentage of reviews on schedule.
In addition to an increased percentage of timely approvals, the agreement includes elements that are highly relavant for ACT-AD that improve FDA's communication withboth industry and patients. Under PDUFA V there would be more meetings and interaction between the FDA and industry, as well as formal procedures for integrating patient perspectives into review criteria. The FDA, has also laid out specific plans to utilize advice received from patients to change the way it assesses benefits and risks, as well as the endpoints it uses to assess the safety and efficacy of new drugs. The increase in patient input is being hailed as a means by which to mitigate politically induced risk aversion in the agency's review of developing therapies.
PDUFA V agreement also includes funding to help promote and improve regulatory sciences. The FDA has agreed to fund 119 full-time employees dedicated to working on the agency's regulatory process, and committed to the integration of new sciences and patient perspectives into its drug and biologics reviews. The FDA will also have funding for an initiative that aims to increase the quality and integration of meta-analyses and for additional regulatory science staff to be dedicated to reviewing biomarkers and pharmacogenomics data.
The agreement has now been sent to Department of Health and Human Services (HHS) and the Office of Management and Budget (OMB) for review, and the FDA will be releasing another draft of the agreement before the a public meeting in October. The agreement will then be passed on Congress where it will be rolled into enacting legislation for passage before PDUFA IV expires in September of 2012
To view minutes from all the meetings held during negotiations click here.
Congressional briefing to be held on Alzheimer's and the next generation of innovations and therapies
On July 14th, the California Healthcare Institute(CHI) and the Healthcare Institute of New Jersey(HINJ), will be hosting an informational briefing on the importance of therapeutic advancements and innovations in Alzheimer's disease.
The briefing aims at increasing awareness of the imminent increase in dementia caused by Alzheimer's disease and other conditions. There will be a focus on increasing support for the development of new innovations and treatments which, remain all the more critical to assist in improving the quality of life for Alzheimer's patients. The program will include an overview of advances stemming from California and New Jersey's life science sectors, and an expert panel to discuss current research and drug development, as well as future discoveries.
The briefing will be held in the Capitol Visitor's Center – Congressional Meeting Room South, from 9:30am to 11:30am. Scheduled to be in attendance are Rep. Chris Smith (R-NJ) and Rep. Linda Sanchez (D-CA), as well as a number of notable thought leaders.


text:
John Stubbs
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text:
SOS message in sand saves children
AN SOS on the sand saved four adults and three children trapped in a cove by the rising sea.
The party of friends from Sevenoaks, Kent, had sailed to Butter Hole near Padstow, Cornwall, in a dinghy and a rubber inflatable boat. But as the tide came in waves built up, making it impossible for them to get away. Their "send for help" message was spotted by a clifftop walker who called in lifeboatmen.
Tim Humfrey, one of the group, said: "We had to take the decision that it was too dangerous to try and get out by boat with the children. We are eternally grateful to the RNLI – and the walker."


text:
Ulkumen RODOPLU, MD Vice President, EuSEM www.eusem.org. Policy Statement on Emergency Medicine in Europe. 1. What is Emergency Medicine? 2. What is the European Society for EM (EuSEM)? 3. What is the status of EM in Europe? 4. What are the objectives of MJC - EM and EuSEM policy?
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.
Vice President, EuSEM
1. What is Emergency Medicine?
2. What is the European Society for EM (EuSEM)?
3. What is the status of EM in Europe?
4. What are the objectives of MJC - EM and EuSEM policy?
5. What training is required to practise EM in Europe?
6. Summary of MJC – EM and EuSEM policy
Emergency Medicine is a medical specialty based on the knowledge, skills & competencies required for the
prevention, assessment & management of the acute and
urgent aspects of illness & injury affecting patients of all
age groups with a full spectrum of undifferentiated
physical & behavioural disorders.
It is a specialty in which time is critical
It is a specialty which is hospital-based
EuSEM 2007 (adapted from IFEM 1991)
Represents the specialty of EM in Europe
• Includes Federation of 24 National EM Societies
(with affiliation of >16,000 medical members)
• Recognises EM as a primary medical specialty
• Seeks to establish similar standards of training in Emergency Medicine throughout Europe
( Bulgaria, Czech Republic, Hungary, Ireland, Malta, Poland, Romania, Slovakia, UK )
( Belgium, Estonia, Latvia, Slovenia )
( Italy, Spain )
( Netherlands )
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text: Greater Flint Art Council has made a positive and economic profitable impact on the City Of Flint. They have been a cataylst for bringing people of diverse cultural backgrounds into downtown Flint to appreciate art. Helping to breakdown racial and cultural barriers and open the door for a more positive community. Tom Webber


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One of the things that struck me while researching "When Football Was Football" was the view across the pitch from the river side of the ground. Whether it's 1911, 1931, 1961 or 2011, in almost any photograph of a match you can see the silhouettes of supporters standing at the back of the Stevenage Road stand. This sort of boggles the mind: for all the changes in football that have passed before the old stand, in some ways nothing has changed at all. Throughout the book we see the same thing over and over, timeless views of fans back there in front of the windows. They might have been cheering on Johnny Haynes or Clint Dempsey, but they're there, spookily there. We can't know who they are, what they did, when they left this earth, but at some point they've all sat there there to watch Fulham. I think about this every game, now, which in some ways is odd, in others not. Part of what makes Fulham so magical.
6 thoughts on "The ghosts of Stevenage Road"
I sat there once…..the match a few seasons ago when we had 99% of the play and lost in the last minute to Hull ! Never sat there since……but I must agree I've always looked at the heads and had similar thoughts to you. In a strange way it gives you an idea of the attendance. In most games, if every seat is full up there, you know it's pretty well sold out.
My first few seasons were viewed from where the Riverside Stand is today, so the effect of which you speak made an early impression. As you say, it is a common denominator across the generations. Only very occasionally have I been one of the figures silhouetted, but there must be supporters who feature in multiple photos, I wonder if they can ever recognise themselves. Individual identities dissolve in this context, though, as you imply.
Speaking of the book, I have now had a chance to enjoy it, and it certainly lives up to expectation. Now I can see the print and not just what appeared on my computer screen when you forwarded it for comment, I would identify the bloke pushing Barrett on the swing as Earle.
Loved this post, Rich.
We're a lucky bunch to (still) have Craven Cottage aren't we?
I remember many years ago, my Dad pointing out that those windows identify any photograph of the Stevenage Road stand, even when the gable on the roof is not visible.
More recently I spotted them on the wall of a nearby pub as part of a montage of 1907 sporting events, which included Fulham v Stockport County in the FA Cup. This was near Warminster, in footballing terms John Atyeo territory. He was a regular for Bristol City during the fifties and early sixties although his England career was cut short by a refusal to give up the day job (teaching) and become a full time professional.
Sadly, the pub has since had a refit and the print has gone.
I am currently one of those heads and have been proud to be one in the past 3 years when I moved my seat up there!
Same here! I sit/stand in Row R, block C in the Johnny Haynes. It's really nice being able to stand up without bothering anyone with it.


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Wednesday, November 23
Wednesday, November 16
i am ready...
This year everything has changed
The me from the start is a stranger next to the me now
but, like strangers the more you talk, and unravel your thoughts you become friends
and that is what I have been doing
Friday, November 11
a growing spark
hello everyone!
The last couple of days have been tough.
I, like many have been both in shock and in sadness about the election results
It is horrifying that so many people in the world believe and stand for what the winning candidate says. I cant even fathom how the cruel things he states are considered okay in someone's mind.
Wednesday, November 9
embrace our differences
Today I was not planning on writing this post
I actually had a completely different post prepared
but, as this day has played out I feel the need to express my opinion and ideas
Tuesday, November 8
Wednesday, November 2
i am
I am still
I am growing
I am struggling
I am thriving
I am happy
I am sad
I am jealous
I am content
I am confident
I am scared
I am frustrated
I am sure
I am feared
I am fearing
I am gliding
I am pulling
I am tugging
I am moving
I am breathing
I am here
I am feeling
everything at once
effie trinket
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Watch: President Trump Seems Unimpressed By French Band's Daft Punk Medley
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President Donald Trump joined French President Emmanuel Macron for a Bastille Day Parade in Paris earlier today where a military brass band broke with tradition and performed a medley of Draft Punk music. Trump didn't seem that impressed.
The group began with the hymn of Nice, "Nissa La Bella," in tribute to victims of a 2016 terror attack in which a man drove his car into crowds following a fireworks display, according to the Local. Then, as the presidents and first ladies watched from a platform, they moved into the more upbeat medley of Daft Punk music, highlighted by the French electronic duo's 2013 hit "Get Lucky."
Originally performed with Pharrell Williams on Daft Punk's Random Access Memories, "Get Lucky" was described by Diffuser's Amy Sciarretto back then as "an elegant and stylish song with a looped beat that could inspire even the staunchest wallflower to get up and dance."
Trump, however, sat motionless with his arms folded, while his French counterpart smiled broadly throughout. "Macron looked like he was having the time of his life," Mashable reports. A wide variety of other mainstream and social media also poked fun at the U.S. president's apparent lack of interest in electronic dance music.
Trump did, however, applaud at the conclusion of the performance, which included portions of Daft Punk's "One More Time" and "Harder Better Stronger Faster," as well.
Daft Punk Albums Ranked in Order of Awesomeness


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Published on June 10th, 2010 | by Jules Yap21
LACK side tables go to new heights!
Materials: Two IKEA Lack side tables.
Description: I took two Lack side tables (that are far too short for any normal side table purpose) and stacked them on top of each other. I shortened the legs on the bottom side table so that my stacked tables would be just the exact right height for a nightstand next to our bed. I hot glued the bottom of the legs from the top table to the top of the bottom table. It made a lovely nightstand with a bottom shelf. At $7.99 a pop for Lack side tables, I thought was a pretty cheap semi-custom-ish solution.
~ Christie DeSilva
21 Responses to LACK side tables go to new heights!
How high is the table, as you've made it?
GREAT idea! These table are WAY too low. I will be doing this hack. And for the people asking about cutting the legs, I bet a hack saw will do the trick
I have the same question as above, how did you cut the legs shorter?
Probably a stupid question but.. how did you cut the legs? Saw?
Super idea! So simple and yet elegant. I'll make two! 7.99 x 4 = 31.96$ for two nightstands… not bad eh?!
I bought a black Lack table for my living room and it's too short. I thought about buying new legs for it Home Depot or something. I do love the idea of stacking them.
@Fraulein N…the comfortor itself has only been washed once. It says to use a commercial washer and dryer. I have a commercial capacity and it washed fine. No buttons came off. We've had it maybe three months? and have 1-4 of our kiddos in bed by the end of the night. Tufts or buttons haven't popped off…yet. However, it slightly scorched even on the low setting in the commericial capacity dryer. UGH! It made the fabric hard and a little bit shiny in a couple of spots. Not too bad for my fairly un-picky'ness, but irritating none-the-less. It is NOT a duvet cover, just an all out comforter, which makes it trickier to watch because of it's sheer size (king).
I often wondered why IKEA never made Lack to a proper height for end table/night stand use. Glad you make it work!
Sort of off-topic, but do you mind if I ask: how is that bedding holding up? We bought something from WalMart and all the little pleats fell apart.
I do love the Lack hack. Simple but effective.
I bought one table. Once I got it home, I discovered it was way too low next to my living room furniture. So, I bought another table. I have been procrastinating on about the project of stacking them. But, now I'm very motivated! Thanks for sharing the great photo! I love IKEA! LOL!
This might also be a good cheap solution for my boyfriend's office. He needs storage! HA!
… Also, I love your bedroom colors! My master bedroom is the same colors! Not to feminine for my boyfriend either!
This is the most awesome and creative idea ever. I have passed on those tables for that exact reason. Too short! Now I will definitely scoop them up!
Thanks for the nice comments. So simple, easy, and cheap. The hot-glue is holding up just fine.
The bedding is from Target, as is the brown and white throw pillow.
FYI…two years later…the hot glue does not hold. Screwing them together with hardware is a much better idea for long term use. Of course, these tables are so cheap and such junk, that the finish will be up before the hot glue wears out.
Can I ask where the bedspread is from?
You can even take this further by using three or more to make a tower shelf – mix or match the finishes to suit your taste.
Very nice. Those LACK tables are soooo versatile!!!
Also, I LOVE your bedding! Where is it from?
I love the simple ones that seem so obvious afterwards. Great work.
great idea! I love it. may I ask where your bedding is from?
This is awesome! I have been obsessing over nightstands for a month now – white, modern, cheap. Thanks for the great idea! How is the hot glue holding up so far?
Hi there.
I had the same idea but i didn´t go on.
Now that i see the final result i´ll do the same.
It´s a very good idea.
This is a perfect idea and what's better is that these side tables are so inexpensive. I love it.


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Ed Hill
Ed Hill, Howard: has served as the Sports Information Director at Howard for over two decades (1983-present). The talented writer's stories have appeared in USA Today and the NCAA News. Hill is a member of the College Sports Information Directors of America (CoSIDA) and Black College Sports Information Directors of America (BCSIDA). He is also active in the Washington, DC community where he served as head coach and co-founder of the DC Warriors basketball program and as a counselor for the National Youth Sports Program (NYSP). Hill is also an adjunct professor at Howard where he teaches a course on Sports and the Media. He has worked 283 consecutive Howard football games and has not missed a game since the 1984 season. In 2005, Hill was honored by CoSIDA as the Bob Kenworthy Award recipient for his community service outside the profession. He was honored by CoSIDA again in 2009 when he was presented with the 15-Year Service Award. Prior to his appointment at Howard, Hill was a staff writer for the Winston-Salem Chronicle and the Black College Sports Page. He has also worked as a news aide and freelance writer for the Washington Post.


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The Best Companies Experiment
When I was a child I loved to experiment. I remember getting a chemistry set from my parents when I was barely in Junior High School and I could not believe my good fortune. Later, in high school, when given a choice to make most anything, I decided to make a Morse code machine (and it worked!).
I remember participating in all kinds of experiments in high school. I attended the Bronx High School of Science, and its name tells you a good deal about the school. With its heavy emphasis on math and the sciences, experimentation was deeply embedded in the DNA of the school.
However, as we got older, experimentation became less important. We don't have those chemistry sets anymore, nor do we sit in classrooms mixing fascinating compounds to create some surprising effect. The further we go in life the more we are taught to go along, to conform. By the time we get our first job out of school we want desperately to fit in and not make waves. All of this has the effect of making us less likely to come up with some great new idea or breakthrough. But of course, senior managers of large firms and small understand that experimentation—innovation—is the key to the company's future. Here are a few examples of firms that have experimentation built into the fabric of the organization:
If it isn't Broken, Fix it Anyway: Proctor & Gamble has been a top-rated company by most every metric for decades. However, when the 160-year old firm brought in a new CEO in 2000 he was determined to find a better way of doing things. One practice he set his sights on was the way the company did research. For years it would do blind tests (Tide vs. Wisk) by giving consumers these products in unmarked bottles to take home. It also did one-on-one interviews and focus groups. Many people felt that was more than sufficient for testing its products. But its new CEO insisted on taking the process further by making sure that P&G researchers go into the homes of consumers and observe the way these products were being used and ask questions in real time in the laundry rooms of customers, so says Robert Herbold, who was SR VP at P&G (and later became Chief Operating Officer at Microsoft). Even P&G's CEO, A.G. Lafley. got into the act by visiting the laundry room of a consumer when traveling in South America. That story spread like wildlife around the company and sent a powerful message.
Challenge the Status Quo: AutoTrader.com is a firm that teaches its people to come up with new ideas all the time. CEO Chris Perry says his "most powerful leadership technique is to tell everyone who works for AutoTrader.com that one of their main responsibilities…as an employee is to constantly challenge the status quo and relentlessly work to improve whatever product, process, or system they may use to get their work done. "Our company grew from zero to $100 million in revenue in just five years," Perry told the author of the Leadership Secrets of the World's Most Successful CEOs. "And the main source of our success was the way our employees took the initiative to reinvent their part of the company at least once every six months."
Innovate. Rinse. Repeat. Innovate Some More: That could be the mantra of one of the world's most innovative firms, Google. The company is an innovation machine. Its founders insist that its engineers take one day off each week to work on their own pet projects. There is also an "ideas mailing" in which anyone in the company can contribute new ideas and be sure that they will get a hearing. It even searches for innovative types when hiring. Why a willingness to experiment? According to VP Jonathan Rosenberg, "Non-routine problems call for non-routine solutions and there is no formula for success: it's easy to educate for the routine, and hard to educate for the novel," he explains.
Those are just three examples of companies that "get it" when it comes to the importance of experimentation and innovation. How does your firm stack up in this area? Does your company behave more like a Google, or more like a company that is afraid of change, improvement and innovation?
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text: Hasidic women complicate stereotypes of nonliberal religious women by collapsing distinctions between the religious and the secular. In this innovative book, Fader demonstrates that contemporary Hasidic femininity requires women and girls to engage with the secular world around them, protecting Hasidic men and boys who study the Torah. Even as Hasidic religious observance has become more stringent, Hasidic girls have unexpectedly become more fluent in secular modernity. They are fluent Yiddish speakers but switch to English as they grow older; they are increasingly modest but also fashionable; they read fiction and play games like those of mainstream American children but theirs have Orthodox Jewish messages; and they attend private Hasidic schools that freely adapt from North American public and parochial models. Investigating how Hasidic women and girls conceptualize the religious, the secular, and the modern, Mitzvah Girls offers exciting new insights into cultural production and change in nonliberal religious communities.


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