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Company Highlights
- Proprietary technology protected by one issued patent and 13 total filings uses a deep learning neural network at the intersection of artificial intelligence, biometrics, and cybersecurity
- Achieved $2.1mm of revenue in 2019, a 152% YoY growth compared to 2018
- Flagship customers include Mastercard International and Synchrony Financial, one of the largest private label credit card providers in the U.S. with 80mm+ accounts
- Global presence as a graduate of Plug and Play (Silicon Valley and Abu Dhabi), Mastercard Start Path, QC Fintech, SixThirty Cyber and GCHQ-NCSC-Wayra incubator (UK), a current member of the OnRamp Insurance Accelerator and the FIS Accelerator, and the first place winner of Accenture's Blue Tulip Award for Finance (Netherlands)
- Highly qualified team has raised over $8.3mm in Capital, 35+ years of individual experience in financial services and fraud prevention, with 40+ in cybersecurity and 20+ in artificial intelligence and identity
Fundraise Highlights
- Total Amount Raised: US $6,479,522
- Total Investors: 2769
- Total Round Size: US $6,875,000
- Raise Description: Series A
- Minimum Investment: US $997 per investor
- Security Type: Preferred Equity
- Pre-Money valuation : US $25,000,000
Trust Stamp creates transformational technology that accelerates secure societal and financial inclusion through zero-knowledge-proof identity authentication. We prevent data loss and identify fraud while empowering global opportunity and access.
Artificial intelligence focused on global access to trusted identity:
Our solutions are created for use in multiple industries including banking, law enforcement, real estate, and humanitarian programs.
Uniquely innovative and interoperable technology:
最终痴汉电车3Our solutions revolve around a proprietary process by which a deep neural network irreversibly converts biometric and other identifying data, from any source, into an "EgHash" which serves as a secure tokenized identity.
- We improve a biometric vendor's accuracy by combining multiple of their samples
- We can even fuse multiple modalities of biometrics (face, palm, finger, iris, voice, gait, and beyond) into a single EgHash-identity
Solutions that protect:
最终痴汉电车3The EgHash can only be used to identify the subject with our probabilistic AI, thereby protecting the subject against personal data leaks, identity theft, and fraud.
最终痴汉电车3The option of 'self-sovereignty":
- EgHash-based identification can be contingent on the subject's proactive participation in providing their biometric input with "proof of life"
A booming market with unaddressed problems is a market of booming problems:
The market for identity is currently focused on multi-modality biometric data, making the protection provided by our technology especially important.
As the use of biometric data grows, the theft of that data also grows.
Your biometrics are with you for life! Unlike traditional user-names and passwords, this data cannot be changed following a leak.
Global access = greater impact:
最终痴汉电车3Software that utilizes our technology is universally deployable, positively affecting both the magnitude of influence and potential revenue.
- Server, blockchain, or device-based
- Online and offline operation
- Pay-per-use revenue model extends reach beyond just those that can afford enterprise-level implementation costs
Pitch Deck
The Team
Founders and Officers
Gareth Genner
Co-Founder, CEO
Andrew Gowasack
Co-Founder, President - Internal and External Product Evangelist
Scott Francis
最终痴汉电车3Chief Technology Officer
Alex Valdes
Chief Financial Officer
Norman Poh
最终痴汉电车3Chief Science Officer
Emma Lindley
Chief Commercial Officer, EVP
John Bridge
EVP Government & Law Enforcement
Kinny Chan
最终痴汉电车3EVP, CEO of Trusted Mail
Niel Kempson
Executive Advisor, Technical Capability
David Story
MD, Trust Stamp Europe & Biometric Innovations Ltd
Key Team Members
Mike Battersby
Daryl Burns
Mike Cepe
Nisha Naik
Jacek Suwalski
Lesley-Ann Vaughan
Notable Advisors & Investors
Mark Birschbach
Buffy Christie
Dave Garland
James P. Gaughran
Sam Guttman
Frank Hanna III
Stacia Hylton
John Leather
Bill McClintock
Fred Niehaus
Charles Potts
Frank Tighe
Term Sheet
Fundraising Description
Key Terms
Additional Terms
Investors who invest $5,000 or less will have their securities held in trust with a Custodian that will serve as a single shareholder of record. These investors will be subject to the Custodian's Account Agreement, including the electronic delivery of all required information.
SI Securities, LLC has the authority to prevent a closing from occurring if it determines, in its sole discretion, that this investment is no longer suitable at the time of the closing, which includes, but is not limited to, the Company raising at least US $800,000 in connection to the current round.
Use of Proceeds
Prior Rounds
The graph below illustrates the valuation cap or the pre-money valuation of Trust Stamp's prior rounds by year.
Market Landscape
We fill gaps in the existing market:
最终痴汉电车3Juniper Research forecasts that by 2023, 5 Billion biometric capable mobile devices will authenticate $2 Trillion of transactions annually while 360iResearch projects a biometric services CAGR of 16.3% from 2018-2025 resulting in annual revenue of $42.9 Billion.
Our proprietary probabilistic AI technology creates and deduplicates tokenized identities and flags fraudulent identities that pass existing authentication. This combats the growing risk of leaks and can overlay vendors, complementing existing solutions.
Our technology breaks vendor lock-in by making biometric data comparable regardless of origin, so there is little motivation for legacy biometric vendors to attempt a similar functionality, even if they could navigate our patent-minefield.
We are not competing with existing providers; our strategy is to persuade users of biometric services to spend less than 1% of their biometric budget on technology that facilitates non-PII data sharing while protecting against hacks and leaks, ensuring regulatory compliance and strengthening the effectiveness and security of authentication.
We empower global access in the developing market:
Our technology also facilitates identity for the circa 2 billion subjects with no legal identity and the additional multi-billion subjects with no way to prove identity in a digital transaction. This revolutionary initiative can unlock over $3 trillion of economic value with commensurate revenue over and above forecasts from legacy-market transactions. We are heavily engaged in this endeavor through our extensive and growing Humanitarian & Development projects with Mastercard.
Expenses and revenue:
最终痴汉电车3Our largest expense is our investment in R&D to create and train our reusable inventory of AI MicroServices. Marginal transaction costs represent a small percentage of revenue.
Risks and Disclosures
We have a limited operating history upon which you can evaluate our performance and have not yet generated profits. Accordingly, our prospects must be considered in light of the risks that any new company encounters. Our company was incorporated under the laws of the State of Delaware on April 11, 2016, and we have not yet generated profits. The likelihood of our creation of a viable business must be considered in light of the problems, expenses, difficulties, complications, and delays frequently encountered in connection with the growth of a business, operation in a competitive industry, and the continued development of our technology and products. We anticipate that our operating expenses will increase for the near future, and there is no assurance that we will be profitable in the near future. You should consider our business, operations, and prospects in light of the risks, expenses and challenges faced as an emerging growth company.
We have historically operated at a loss, which has resulted in an accumulated deficit. For the fiscal year ended December 31, 2019, we incurred a net loss of $2,143,506. There can be no assurance that we will ever achieve profitability. Even if we do, there can be no assurance that we will be able to maintain or increase profitability on a quarterly or annual basis. Failure to do so would continue to have a material adverse effect on our accumulated deficit, would affect our cash flows, would affect our efforts to raise capital and is likely to result in a decline in our Common Stock price.
The auditor included a "going concern" note in its audit report. 最终痴汉电车3We may not have enough funds to sustain the business until it becomes profitable. Even if we raise funds through this offering, we may not accurately anticipate how quickly we may use the funds and whether these funds are sufficient to bring the business to profitability.
Our technology continues to be developed, and it is unlikely that we will ever develop our technology to a point at which no further development is required. Trust Stamp is developing complex technology that requires significant technical and regulatory expertise to develop, commercialize and update to meet evolving market and regulatory requirements. If we are unable to successfully develop and commercialize our technology and products, it will significantly affect our viability as a company.
If our security measures are breached or unauthorized access to individually identifiable biometric or other personally identifiable information is otherwise obtained, our reputation may be harmed, and we may incur significant liabilities. 最终痴汉电车3In the ordinary course of our business, we may collect and store sensitive data, including protected health information ("PHI"), personally identifiable information ("PII"), owned or controlled by ourselves or our customers, and other parties. We communicate sensitive data, including patient data, electronically, and through relationships with multiple third-party vendors and their subcontractors. These applications and data encompass a wide variety of business-critical information, including research and development information, patient data, commercial information, and business and financial information. We face a number of risks relative to protecting this critical information, including loss of access risk, inappropriate use or disclosure, inappropriate modification, and the risk of our being unable to adequately monitor, audit, and modify our controls over our critical information. This risk extends to the third-party vendors and subcontractors we use to manage this sensitive data. As a custodian of this data, Trust Stamp therefore inherits responsibilities related to this data, exposing itself to potential threats. Data breaches occur at all levels of corporate sophistication (including at companies with significantly greater resources and security measures than our own) and the resulting fallout stemming from these breaches can be costly, time-consuming, and damaging to a company's reputation. Further, data breaches need not occur from malicious attack or phishing only. Often, employee carelessness can result in sharing PII with a much wider audience than intended. Consequences of such data breaches could result in fines, litigation expenses, costs of implementing better systems, and the damage of negative publicity, all of which could have a material adverse effect on our business operations and financial condition.
We are subject to substantial governmental regulation relating to our technology and will continue to be for the lifetime of our Company.最终痴汉电车3 By virtue of handling sensitive PII and biometric data, we are subject to numerous statutes related to data privacy and additional legislation and regulation should be anticipated in every jurisdiction in which we operate. Examples of federal (US) and European statutes we could be subject to are:
- Health Insurance Portability and Accountability Act (HIPAA)
- Health Information Technology for Economic and Clinical Health Act (HITECH)
最终痴汉电车3Any such access, breach, or other loss of information could result in legal claims or proceedings, liability under federal or state laws that protect the privacy of personal information under HIPAA and/or "HITECH". Notice of breaches must be made to affected individuals, the Secretary of the Department of Health and Human Services ("HHS"), and for extensive breaches, notice may need to be made to the media or state attorneys general. Penalties for violations of these laws vary. For instance, penalties for failure to comply with a requirement of HIPAA and HITECH vary significantly, and include significant civil monetary penalties and, in certain circumstances, criminal penalties with fines up to $250,000 per violation and/or imprisonment. A person who knowingly obtains or discloses individually identifiable health information in violation of HIPAA may face a criminal penalty of up to $50,000 and up to one-year imprisonment. The criminal penalties increase if the wrongful conduct involves false pretenses or the intent to sell, transfer or use identifiable health information for commercial advantage, personal gain, or malicious harm.
Further, various states, such as California, have implemented similar privacy laws and regulations, such as the California Confidentiality of Medical Information Act, that impose restrictive requirements regulating the use and disclosure of health information and other personally identifiable information. Where state laws are more protective, we have to comply with the stricter provisions. In addition to fines and penalties imposed upon violators, some of these state laws also afford private rights of action to individuals who believe their personal information has been misused. California's patient privacy laws, for example, provide for penalties of up to $250,000 and permit injured parties to sue for damages. The interplay of federal and state laws may be subject to varying interpretations by courts and government agencies, creating complex compliance issues for us and data we receive, use and share, potentially exposing us to additional expense, adverse publicity, and liability. Further, as regulatory focus on privacy issues continues to increase and laws and regulations concerning the protection of personal information expand and become more complex, these potential risks to our business could intensify. Changes in laws or regulations associated with the enhanced protection of certain types of sensitive data, such as PII or PHI, along with increased customer demands for enhanced data security infrastructure, could greatly increase our cost of providing our services, decrease demand for our services, reduce our revenues and/or subject us to additional liabilities.
Compliance with U.S. and international data protection laws and regulations could cause us to incur substantial costs or require us to change our business practices and compliance procedures in a manner adverse to our business. Moreover, complying with these various laws could require us to take on more onerous obligations in our contracts, restrict our ability to collect, use and disclose data, or in some cases, impact our ability to operate in certain jurisdictions. We rely on our customers to obtain valid and appropriate consents from data subjects whose biometric samples and data we process on such customers' behalf. Given that we do not obtain direct consent from such data subjects and we do not audit our customers to ensure that they have obtained the necessary consents required by law, the failure of our customers to obtain consents that are in compliance with applicable law could result in our own non-compliance with privacy laws. Such failure to comply with U.S. and international data protection laws and regulations could result in government enforcement actions (which could include civil or criminal penalties), private litigation and/or adverse publicity and could negatively affect our operating results and business. Claims that we have violated individuals' privacy rights, failed to comply with data protection laws, or breached our contractual obligations, even if we are not found liable, could be expensive and time consuming to defend, could result in adverse publicity and could have a material adverse effect on our business, financial condition and results of operations.
We anticipate sustaining operating losses for the foreseeable future. It is anticipated that we will sustain operating losses in 2020 and 2021 as we expand our team, continue with research and development, and strive to gain customers for our technology and gain market share in our industry. Our ability to become profitable depends on our ability to expand our customer base, consisting of companies willing to license our technology. There can be no assurance that this will occur. Unanticipated problems and expenses are often encountered in offering new products which may impact whether the Company is successful. Furthermore, we may encounter substantial delays and unexpected expenses related to development, technological changes, marketing, regulatory requirements and changes to such requirements or other unforeseen difficulties. There can be no assurance that we will ever become profitable. If the Company sustains losses over an extended period of time, it may be unable to continue in business.
If our products do not achieve broad acceptance both domestically and internationally, we will not be able to achieve our anticipated level of growth. Our revenues are derived from licensing our identity authentication solutions. We cannot accurately predict the future growth rate or the size of the market for our technology. The expansion of the market for our solutions depends on a number of factors, such as
- the cost, performance and reliability of our solutions and the products and services offered by our competitors;
- customers' perceptions regarding the benefits of biometrics and other authentication solutions;
- public perceptions regarding the intrusiveness of these solutions and the manner in which organizations use biometric and other identity information collected;
- public perceptions regarding the confidentiality of private information;
- proposed or enacted legislation related to privacy of information
- customers' satisfaction with biometrics solutions; and
- marketing efforts and publicity regarding biometrics solutions.
Even if our technology gains wide market acceptance, our solutions may not adequately address market requirements and may not continue to gain market acceptance. If authentication solutions generally or our solutions specifically do not gain wide market acceptance, we may not be able to achieve our anticipated level of growth and our revenues and results of operations would suffer.
We operate in a highly competitive industry that is dominated by multiple very large, well-capitalized market leaders and is constantly evolving. New entrants to the market, existing competitor actions, or other changes in market dynamics could adversely impact us. The level of competition in the identity authentication industry is high, with multiple exceptionally large, well-capitalized competitors holding a majority share of the market. Currently, we are not aware of any direct competitors of the Company able to offer our main technological offering which is non-PII tokenized identity authentication using a hash that is derived from biometric or other identifying data and capable of being probabilistically matched and deduplicated on both a 1:1 and 1:n basis. Nonetheless, many of the companies in the identity authentication market have longer operating histories, larger customer bases, significantly greater financial, technological, sales, marketing, and other resources than we do. At any point, these companies may decide to devote their resources to creating a competing technology solution which will impact our ability to maintain or gain market share in this industry. Further, such companies will be able to respond more quickly than we can to new or changing opportunities, technologies, standards, or client requirements, more quickly develop new products or devote greater resources to the promotion and sale of their products and services than we can. Likewise, their greater capabilities in these areas may enable them to better withstand periodic downturns in the identity management solutions industry and compete more effectively on the basis of price and production. In addition, new companies may enter the markets in which we compete, further increasing competition in the identity management solutions industry.
We believe that our ability to compete successfully depends on a number of factors, including the type and quality of our products and the strength of our brand names, as well as many factors beyond our control. We may not be able to compete successfully against current or future competitors, and increased competition may result in price reductions, reduced profit margins, loss of market share and an inability to generate cash flows that are sufficient to maintain or expand the development and marketing of new products, any of which would adversely impact our results of operations and financial condition.
We face competition from companies with greater financial, technical, sales, marketing, and other resources, and, if we are unable to compete effectively with these competitors, our market share may decline, and our business could be harmed. We face competition from well established companies. Many of our competitors have longer operating histories, larger customer bases, significantly greater financial, technological, sales, marketing, and other resources than we do. As a result, our competitors may be able to respond more quickly than we can to new or changing opportunities, technologies, standards, or client requirements, more quickly develop new products or devote greater resources to the promotion and sale of their products and services than we can. Likewise, their greater capabilities in these areas may enable them to better withstand periodic downturns in the identity management solutions industry and compete more effectively on the basis of price and production. In addition, new companies may enter the markets in which we compete, further increasing competition in the identity management solutions industry.
We believe that our ability to compete successfully depends on a number of factors, including the type and quality of our products and the strength of our brand names, as well as many factors beyond our control. We may not be able to compete successfully against current or future competitors, and increased competition may result in price reductions, reduced profit margins, loss of market share and an inability to generate cash flows that are sufficient to maintain or expand the development and marketing of new products, any of which would adversely impact our results of operations and financial condition.
The Company currently has only one issued patent on its products and technology. As of the date of this Offering, the Company has only one issued patent. While the Company has filed patent applications and believes that it could secure patent protection for elements of its technology, the Company has made a considered and strategic decision not to aggressively pursue the issuance of patents in respect of its technology, as it believes that the disclosure required to obtain such protection could expose some of the inner-workings of its technology to competitors, who may in turn attempt to mimic the technology and/or to bad-actors who could seek to circumvent the technology. The Company currently has a total of 8 patent applications pending which may serve to discourage other inventors from stealing or copying our technology and/or assist in defending against any third-party infringement claims. At any given time, the Company may also have one or more Provisional Patents filed pending filing of a Utility Patent application. Nonetheless, by having only one patent issued for the technology, the Company is exposed to the risk that the technology could be copied, which would seriously harm the core business model. There is no guarantee that the Company will ever be issued patents on the applications it has submitted. In addition, in order to control costs, we have filed patent applications only in the United States. This may result in our having limited or no protection in other jurisdictions. Our success depends to a significant degree upon the protection of our products and technology. If we are unable to secure patents for our products and technology, or are otherwise unsuccessful at protecting our technology, other companies with greater resources may copy our technology and/or products, or improve upon them, putting us at a disadvantage to our competitors.
Successful infringement claims against us could result in significant monetary liability or prevent us from selling some of our products. 最终痴汉电车3We believe our products and technology may be highly disruptive to a very large and growing market. Our competitors are well capitalized with significant intellectual property protection and resources and they (and/or patent trolls) may initiate infringement lawsuits against our Company. Such litigation could be expensive and could also prevent us from selling our products, which would significantly harm our ability to grow our business as planned.
Our failure to attract and retain highly qualified personnel in the future could harm our business.最终痴汉电车3 As the Company grows, it will be required to hire and attract additional qualified professionals such as a Deputy Science Officer (for cryptography and certifications), additional staff for research and development, regulatory professionals, sales and marketing professionals, accounting, legal, and finance experts. The Company may not be able to locate or attract qualified individuals for such positions, which will affect the Company's ability to grow and expand its business.
We rely on third party service providers. Our third-party partners provide a variety of essential business functions, including distribution, manufacturing, and many others. It is possible that some of these third parties will fail to perform their services or will perform them in an unacceptable manner. If we encounter problems with one or more of these parties and they fail to perform to expectations, it could have a material adverse impact on the Company.
We currently have two customers that account for substantially all of our revenues. During the Company's development, we have focused on developing relationships with a few partners and customers. As such, our historical financial results identify that we generated substantially all of our revenue from two customers. As we grow, we intend to expand the number of customers from which we generate revenues. In the opinion of our management, we would be able to continue operations without our current customers. However, the unanticipated loss of the Company's current customers could have an adverse effect on the company's financial position.
Our future success is dependent on the continued service of our small management team.最终痴汉电车3 Three directors and four executive officers provide leadership to Trust Stamp. Two of the directors are also executive officers. Our success is dependent on their ability to manage all aspects of our business effectively. Because we are relying on our small management team, we lack certain business development resources that may hurt our ability to grow our business. Although we are currently growing our management team, there is no guarantee that newly added management team members will contribute to Trust Stamp as we hope. Any loss of key members of our executive team could have a negative impact on our ability to manage and grow our business effectively. We do not maintain a key person life insurance policy on any of the members of our senior management team. As a result, we would have no way to cover the financial loss if we were to lose the services of our directors or officers.
We expect to raise additional capital through equity and/or debt offerings to support our working capital requirements and operating losses. In order to fund future growth and development, the Company will likely need to raise additional funds in the future by offering shares of its Common or Preferred Stock and/or other classes of equity, or debt that convert into shares of common or Preferred Stock, any of which offerings would dilute the ownership percentage of investors in this offering. See "Dilution". In order to issue sufficient shares in this regard, we may be required to amend our certificate of incorporation to increase our authorized capital stock, which would be require us to obtain a consent of a majority of our shareholders. Furthermore, if the Company raises capital through debt, the holders of our debt would have priority over holders of common and Preferred Stock and the Company may be required to accept terms that restrict its ability to incur more debt. We cannot assure you that the necessary funds will be available on a timely basis, on favorable terms, or at all, or that such funds if raised, would be sufficient. The level and timing of future expenditure will depend on a number of factors, many of which are outside our control. If we are not able to obtain additional capital on acceptable terms, or at all, we may be forced to curtail or abandon our growth plans, which could adversely impact the Company, its business, development, financial condition, operating results, or prospects.
Any valuation at this stage is difficult to assess.最终痴汉电车3 The valuation for this offering was established by the Company. Unlike listed companies that are valued publicly through market-driven stock prices, the valuation of private companies, especially early-stage companies, is difficult to assess and you may risk overpaying for your investment.
If we cannot raise sufficient funds, we will not succeed.最终痴汉电车3 We are offering shares of our Series A Preferred Stock in the amount of up to $5,600,000 in this offering on a best-efforts basis and may not raise the complete amount. Even if the maximum amount is raised, we are likely to need additional funds in the future in order to grow, and if we cannot raise those funds for whatever reason, including reasons relating to the Company itself or to the broader economy, the Company may not survive. If we raise a substantially lesser amount than the maximum offering amount, we will have to find other sources of funding for some of the plans outlined in "Use of Proceeds To Issuer".
The total amount raised may include investments made outside of the SeedInvest platform via Regulation D.最终痴汉电车3 Up to $1.275M has been raised prior to the launch of the SeedInvest campaign. The earliest investment counted towards the escrow target was made on September 27, 2019. There is no guarantee that the Company has this cash available for operations as of the date of launch. See balance sheet for current cash balance.
General Risks and Disclosures
Start-up investing is risky.最终痴汉电车3 Investing in startups is very risky, highly speculative, and should not be made by anyone who cannot afford to lose their entire investment. Unlike an investment in a mature business where there is a track record of revenue and income, the success of a startup or early-stage venture often relies on the development of a new product or service that may or may not find a market. Before investing, you should carefully consider the specific risks and disclosures related to both this offering type and the company which can be found in this company profile and the documents in the data room below.
Your shares are not easily transferable. You should not plan on being able to readily transfer and/or resell your security. Currently there is no market or liquidity for these shares and the company does not have any plans to list these shares on an exchange or other secondary market. At some point the company may choose to do so, but until then you should plan to hold your investment for a significant period of time before a "liquidation event" occurs. A "liquidation event" is when the company either lists their shares on an exchange, is acquired, or goes bankrupt.
The Company may not pay dividends for the foreseeable future. Unless otherwise specified in the offering documents and subject to state law, you are not entitled to receive any dividends on your interest in the Company. Accordingly, any potential investor who anticipates the need for current dividends or income from an investment should not purchase any of the securities offered on the Site.
Valuation and capitalization. Unlike listed companies that are valued publicly through market-driven stock prices, the valuation of private companies, especially startups, is difficult to assess and you may risk overpaying for your investment. In addition, there may be additional classes of equity with rights that are superior to the class of equity being sold.
You may only receive limited disclosure. While the company must disclose certain information, since the company is at an early-stage they may only be able to provide limited information about its business plan and operations because it does not have fully developed operations or a long history. The company may also only obligated to file information periodically regarding its business, including financial statements. A publicly listed company, in contrast, is required to file annual and quarterly reports and promptly disclose certain events — through continuing disclosure that you can use to evaluate the status of your investment.
Investment in personnel.最终痴汉电车3 An early-stage investment is also an investment in the entrepreneur or management of the company. Being able to execute on the business plan is often an important factor in whether the business is viable and successful. You should be aware that a portion of your investment may fund the compensation of the company's employees, including its management. You should carefully review any disclosure regarding the company's use of proceeds.
Possibility of fraud.最终痴汉电车3 In light of the relative ease with which early-stage companies can raise funds, it may be the case that certain opportunities turn out to be money-losing fraudulent schemes. As with other investments, there is no guarantee that investments will be immune from fraud.
Lack of professional guidance. Many successful companies partially attribute their early success to the guidance of professional early-stage investors (e.g., angel investors and venture capital firms). These investors often negotiate for seats on the company's board of directors and play an important role through their resources, contacts and experience in assisting early-stage companies in executing on their business plans. An early-stage company may not have the benefit of such professional investors.
Representatives of SI Securities, LLC are affiliated with SI Advisors, LLC ("SI Advisors") Representatives of SI Securities, LLC are affiliated with SI Advisors, LLC ("SI Advisors"). SI Advisors is an exempt investment advisor that acts as the General Partner of SI Selections Fund I, L.P. ("SI Selections Fund"). SI Selections Fund is an early stage venture capital fund owned by third-party investors. From time to time, SI Selections Fund may invest in offerings made available on the SeedInvest platform, including this offering. Investments made by SI Selections Fund may be counted towards the total funds raised necessary to reach the minimum funding target as disclosed in the applicable offering materials.
Trust Stamp's Offering Circular
The offering circular is the legal document filed with the SEC for a Regulation A offering and provides facts that an investor needs to make an informed investment decision. The offering circular includes an overview of company and company's business, historical financials and capitalization, and key risk factors.
Frequently Asked Questions
About Reg A Offerings
最终痴汉电车3"The SEC has qualified this offering" means the SEC has permitted Trust Stamp to offer for sale the securities described in the Offering Circular to investors such as you. The SEC is not judging the merits, accuracy, or completeness of the offering and information in the Offering Circular.
Making an Investment in Trust Stamp
When you complete your investment on SeedInvest, your money will be transferred to an escrow account where an independent escrow agent will watch over your investment until it is accepted by Trust Stamp. Once Trust Stamp accepts your investment, and certain regulatory procedures are completed, your money will be transferred from the escrow account to Trust Stamp in exchange for your securities. At that point, you will be a proud owner in Trust Stamp.
Preferred equity is usually issued to outside investors and carries rights and conditions that are different from that of common stock. For example, preferred equity may include rights that prevent or minimize the effects of dilution or grants special privileges in situations when the company is sold.
A convertible note is a unique form of debt that converts into equity, usually in conjunction with a future financing round. The investor effectively loans money to a startup with the expectation that they will receive equity in the company in the future at a discounted price per share when the company raises its next round of financing.
To learn more about startup investment types check out "How to Choose a Startup Investment"最终痴汉电车3 in our academy.
最终痴汉电车3To make an investment, you will need the following information readily available:
- Personal information such as your current address and phone number
- Employment and employer information
- Net worth and income information
- Social Security Number or passport
- ABA bank routing number and checking account number (typically found on a personal check or bank statement)
最终痴汉电车3Until a closing occurs, you may cancel your investment at any time, for any reason. You will receive an email when the closing occurs and your securities have been issued. If you have already funded your investment and your funds are in escrow, your funds will be promptly refunded to you upon cancellation. To cancel your investment, please go to your portfolio page by clicking your profile icon in the top right corner.
After My Investment
There is no currently established market for reselling these securities. If you decide that you want to resell these securities in the future, you may not be able to find a buyer. Although the Company intends to apply in the future for quotation of its Common Stock on a national exchange, over-the-counter market, or similar exchange, there are a number of requirements that the Company may or may not be able to satisfy in a timely manner. Even if we obtain that quotation, we do not know the extent to which investor interest will lead to the development and maintenance of a liquid trading market. You should assume that you may not be able to liquidate your investment for some time or be able to pledge these shares as collateral.
You can return to SeedInvest at any time to view your portfolio of investments and obtain a summary statement.
Other General Questions
This is Trust Stamp's fundraising profile page, where you can find information that may be helpful for you to make an investment decision in their company. The information on this page includes the company overview, team bios, and the risks and disclosures related to this investment opportunity. You will also find a copy of the Trust Stamp's Offering Circular, which has been qualified by the SEC. The Offering Circular includes important details about Trust Stamp's fundraise that you should review before investing.
最终痴汉电车3This investment is highly speculative and should not be made by anyone who cannot afford to risk the entire investment amount. In addition to these risks, you should carefully consider the specific information and risks disclosed in Trust Stamp's profile and Offering Circular.


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Samsung launched the much anticipated Galaxy Note 8 in an event in New York. The event began with a nostalgic memory of Note 7 and how the debacle inspired Samsung to be better. After the notoriety of Note 7 last year, its successor had a lot of responsibility on its shoulders. Let's see the intricate details of the newly launched Samsung Galaxy Note 8.
Design and Display:
Design of the Galaxy Note 8 adapts vastly from the previously launched Galaxy S8. It seems just like a taller and broader S8 in terms of design with very thin bezels surrounding the display vertically. The phone comes in four different colours: Deep Sea Blue, Orchid Grey, Midnight Black, and Maple Gold. One of the design flaws in the phone is the position of fingerprint scanner, it's beside the cameras and given the size of the phone, the scanner is difficult to reach.
The Galaxy Note 8 houses what Samsung calls the "Infinity Display," similar to what the S8 possesses. It has a 6.3-inch Quad-HD display which covers almost the entire front face of the phone. The display ratio in the Note 8 is 18.5:9, analogous to the S8. The AMOLED screen on the phone will ensure a sharp image quality.
Galaxy Note 8 is IP68 certified which makes it water and dust resistant. Even the S-Pen which comes along the phone is water resistant.
Galaxy Note 8 is Samsung's first dual rear camera smartphone. The brand claims that the 12MP dual cameras in Note 8 are twice as good as the previous Note. The dual camera setup features a wide-angle lens with an aperture of f/1.7 and another telephoto lens with f/2.4 aperture. The telephoto lens can provide up to 2x optical zoom.
Samsung Galaxy Note 8 is the world's first smartphone to come with Optical Image Stabilization in both the cameras.
A new feature known as Live Focus has been introduced with the phone. This feature will let you adjust the focus and blur in real time while you click portrait pictures. Moreover, your phone will save two versions of the picture, one with a bokeh effect and another normal version.
Software, Performance and Battery:
Blazing fast performance is one of the cornerstone features of the Note 8. To ensure cutting edge performance, the phone packs in the flagship Qualcomm Snapdragon 835 chipset. This processor features only in the phones sold in US though. For international markets, Samsung offers the Exynos Octa-core processor which is comparable to the Snapdragon 835 in terms of performance.
For seamless performance and heavy multi-tasking, the Note 8 packs in 6GB of RAM. On the software front, Samsung now lets you pair two frequently used apps and launch them together with a single tap. Such features ensure even faster multi-tasking. Note 8 comes with three variants of internal storage: 64GB, 128GB, and 256GB. Along with this, a microSD slot for expandable storage is provided as well.
Samsung gave a peek into how Bixby can perform deeply integrated tasks with multiple function levels and they seemed very impressive. It will be interesting to see how Bixby develops and competes with other popular assistants out there.
Earlier, it was being speculated that the Note 8 might come with Android 8.0 Oreo out of the box but it's announced that the phone will run on Android 7.1 Nougat. However, an Oreo update can be expected soon.
The Galaxy Note 8 comes with a 3300mAh battery which can be wirelessly charged. For a phone this size, the battery could have been better.
S Pen:
S-Pen is an important element and a signature feature in the Note series. Samsung has taken considerable efforts to improve the S-Pen which comes with the Note 8.
A cool feature which the brand showcased is the ability to translate foreign language text on your Note 8's screen by simply hovering over it. The same can be done for foreign currency rates. The S-Pen can also be used creatively in messaging apps. Users can now create pictures and gifs with the help of S-Pen.
The hardware of the stylus has been improved as well, it now comes with a finer tip and better precision. There are many functions which can be conveniently performed with the S-Pen.
Connectivity options include NFC and MST for Samsung Pay, a USB Type-C for file transfers, charging and other purposes. Fortunately, the 3.5mm headphone jack isn't skipped. The phone also has Bluetooth 5.0, LTE Cat. 16, Wi-Fi: 802.11a/b/g/n/ac for wireless connections.
Pricing and Availability:
Price of the Galaxy Note 8 will be soon revealed by carriers in international markets. In India, Amazon will be among the official launch partners and price for the Indian market will be revealed soon as well. The phone will be available starting September 15th. Interestingly, this might be during the upcoming iPhone launch by Apple.
What is your opinion about the Samsung Galaxy Note 8? Let us know in the comments below.

subset: commoncrawl


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4 Now there are varieties of gifts, but the same Spirit; 5and there are varieties of services, but the same Lord; 6and there are varieties of activities, but it is the same God who activates all of them in everyone.
New Revised Standard Version Bible: Anglicized Edition, copyright © 1989, 1995 National Council of the Churches of Christ in the United States of America. Used by permission. All rights reserved worldwide. http://nrsvbibles.org
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COVID-19 UPDATES: Find news and resources for audiologists, speech-language pathologists, and the public.
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ASHA is committed to seeking opportunities to engage and unite audiologists, and to advocating for audiology professional services.
ASHA helps audiologists enhance their professional practice through high-quality professional consultation and professional development.
ASHA and the American Speech-Language-Hearing Foundation (ASHFoundation) support audiology science and research.
ASHA is a leader in establishing and enforcing ethics standards for the professions.
The Council on Academic Accreditation in Audiology and Speech-Language Pathology (CAA) is committed to quality
and is dedicated to graduate education programs' success in preparing future audiologists.
ASHA, the ASHFoundation, and National NSSLHA support audiology students.
ASHA actively promotes public awareness of hearing health issues.
The American Speech-Language-Hearing Association (ASHA) is the national professional, scientific, and credentialing association for 211,000 members and affiliates who are audiologists; speech-language pathologists; speech, language, and hearing scientists; audiology and speech-language pathology support personnel; and students.
The ASHA Action Center welcomes questions and requests for information from members and non-members.
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AE Guac This Way Doormat
Browse all deals at American Eagle
See more in Shopping Misc.
* This offer may contain time-sensitive information and offers. Please check with American Eagle to confirm actual price & availability.
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9303 Mall Road
Morgantown, WV 26501
American Eagle
2460 Meadowbrook Mall
Bridgeport, WV 26330


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Chief Architect software brings house design initiatives to life. Automated building instruments for house design, inside design, and kitchen & tub design make it simple to create building drawings, elevations, CAD details, and 3D models. The usage of environmentally secure products is without doubt one of the components main to higher indoor air-quality and thus higher general well being of the occupants. One other is the usage of improved, extra environment friendly air flow methods and the use of non-toxic building supplies, paints and finishes. Indoor air-high quality is affected by pollutants introduced in from the outside, toxic chemicals inside, and the pollutant-producing actions of the occupants. It's the objective of Remodeling to scale back and mitigate these components.
Base Material – There is no such thing as a one-size-suits all base material for each venture. A contractor ought to be knowledgeable in regards to the explicit websites soil situations and the right size rock for drainage and compaction. It could be needed to use upward of three totally different sizes of fabric (very true of concrete pavers), however normally one or two kinds of base is all that is needed. Phrase to the smart, when a contractor says multiple forms of materials or extra supplies are required, please give them the advantage of the doubt.
Some homeowners who want to bring environmental toilet design rest room design at all times brings that resembles the outside environment. Some rooms even modified designs which can be environmentally friendly impression within the rest room. In reality, some homeowners intentionally presents design that has a novel variety of plants and built-in into a wide range of interior design that's applied within the bathroom. Maybe for some homeowners it is rather enjoyable as a result of it will possibly deliver environmentally pleasant design by an integrated plant design in all elements of the room. So as to add an eco-pleasant design, many homeowners also use quite a lot of furniture by utilizing the characteristic of the plant.
Gives a way of pleasure. Not all people know the process of knitting. Thus, whenever you show someone a selected merchandise which you've gotten performed, and that particular person does not have any concept about it, she or he will certainly be amazed and it may be just like displaying her or him off a magic trick. And due to this, you will absolutely be receiving quite a lot of compliments from the individual.
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© WBZ TV roland-martineau-diploma-wbz-tv.jpg By Thomas Leavy , CBS News Roland Martineau is just another graduating senior, in a sense. A ...
By Thomas Leavy, CBS News
Roland Martineau is just another graduating senior, in a sense.
A lot has happened to him since 1940. He dropped out of school and served in the U.S. Navy during World War II. He became a father, grandfather, great-grandfather and has a great-great-grandchild on the way. This past weekend, he proudly checked off a long overdue milestone.
"I graduated from high school," Martineau told CBS Boston. "Can't stand all this notoriety, though."
More than three quarters of a century later, Martineau joined the Class of 2018 and walked for his diploma to a standing ovation. He would have been in Leominster High School's Class of '42, but he was already married and serving as a "Seabee" in the Navy's Construction Battalion, Fox Boston reports. When he confided to his barber Donna Salvi that he regretted not getting his diploma, she got to work to get him to the stage.
Martineau's family gathered Saturday to watch their patriarch pass this long-awaited milestone.
"I'm very proud of him. It was emotional and it means a lot to him," his granddaughter Wendy Albert told CBS Boston. "He went into the military. He worked hard to put himself through trade school, welding school. He still loves to read and he's an amazing man."
He didn't make a big speech, but Martineau did share an important reminder from his experience with his fellow alumni.
"They should be grateful they were able to finish high school," Martineau said. "I wish them well."


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Garnier Color Naturals – Do it yourself
Garnier Color Naturals, a very reasonably priced Hair color, has come up with a new tutorial series, ASK GARNIER. A very interesting initiative, aiming to educate the public about how to do stuff at home, and in times like these, where every penny matters, huge costs can be saved by reducing salon visits and learning how to get professional results at home!
Do check out the video guys, I'll be waiting for what comes next in the series 🙂
Let me know if it helps!
For more details, visit Garnier's Facebook page: Garnier Pakistan


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If you want to see everything Fall River has to offer, there is no better way to do so from behind the wheel of a rental car from Enterprise. Stop spending your vacation waiting on the bus, or being nickel and dimed with ride-shares or taxis. Having your own vehicle enables you to go to the spots you want to see the most, whenever you want. Make your next trip to Massachusetts even more enjoyable with an Enterprise rental car.
Fall River is a perfect destination when you need some respite from busyness of a big city. You are sure to have a good time here, thanks to Fall River's college-town feel. But you may just want to get take in scenery that draws visitors from all over the country. Whatever you decide on first, you'll want to take in as much of Fall River as you can during your trip. If you need to see what else is around Fall River, then jump behind the wheel of your Enterprise car rental and see what else is out there.
CarRentals.com works with the most dependable businesses in the world. Enterprise started back in 1957 with only seven vehicles. Now, they're recognized as world-wide leader in the car-rental industry, with over 7,600 locations in 85 countries. Enterprise prides themselves on exceptional customer service and being ready when you need them.
We strive to get you the best price, whether you book. But getting your car ahead of time can help keep spending low. Be sure to go over the mileage policy and keeping it to one driver will reduce your expense.
Be sure to bring your driver's license and a credit card in your name.
Enterprise's minimum age to rent a car in Fall River is 21. Make sure to review Enterprise's policies, as there could be limitations if you are under 25 in most cases or for higher category rentals in particular.
That depends on how many people you are traveling with and what activities you want to do in Fall River. Compact or economy vehicles are easier to park and great for short commutes. Commute times in Fall River are around 30 minutes, so you may find a SUV or mid-size car provides a more comfortable ride. Or if you want to keep your emissions down, then go for a hybrid vehicle. Those looking for a bit of luxury on their Fall River trip can choose the premium category to get a car like an Audi A4 or Cadillac XTS or similar.
You are required to have insurance before you rent a car in the United States. Although many of the major card issuers, like Visa or Discover, offer some coverage, there are usually restrictions. For example, you may not be covered if you book a luxury or larger vehicle. Make sure to check credit card company's policy before you decide. Otherwise, as a United States citizen, you can also book Collision Damage Coverage through CarRentals.com at checkout.
Enterprise does require a deposit when you book your rental car. Enterprise will block the deposit on your credit once you book your rental for your trip. Please note that the deposit will vary greatly based on the model and make of the vehicle.
We advise a full to full policy. You pick up your Enterprise rental with a full tank, and you will want to refuel up to the amount you picked the car up with. If you want to save some money, it is best to fill up your tank before you bring it back to Enterprise.
Fall River has plenty to keep you entertained, but you may want to head to nearby cities to find out what else Massachusetts has to offer. You can explore the rest of the area free of mileage limits once you've checked off all the activities in Fall River.
Enterprise offers one-way rentals in most cases. You may find it easier to return your rental car at another Enterprise. Don't forget there may be an additional charge when you choose one-way.
With so much to do and see in Fall River, having the keys to your own automobile lets you explore at your own pace. When you are ready to explore more of Massachusetts, you can drive when you want to, without having to hanging out a stop waiting for the bus or signal for a cab.
Before your next trip, book your Enterprise Fall River rent-a-car and zip off to take in all the must-see sights at your leisure. Go with CarRentals.com and hit the open road in Fall River, Massachusetts.


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My husband and I have been serving as full-time Senior Missionaries for the past 16 months in the Florida, Tallahassee area. We're living in a place called Fort Walton Beach, working with the hispanic community. We love them, care about them and want eternal blessings for them.
One of the saddest things we see is that not all people desire to progress in the way that would benefit them. Some are content or complacent in their poverty or misery or 'the way things have always been done'.
We know that there are many teachings and resources that could bless their lives, strengthen their homes and families, help them economically, and lift them to a better place emotionally and spiritually. But, if they don't choose to make efforts to improve; things will remain the same.
This is a good message for all of us. The Lord has provided every means for us to overcome all things, to strengthen our homes, families, marriages, to manage our temporal resources wisely, to learn and grow and progress and develop our gifts and talents, to repent and forgive and find peace, and to make covenants which bring eternal blessings. But, it is up to us if we choose that path or not.
Covenants are are the path to salvation. Without them we are not able to gain the kind of salvation that will allow us to live in His presence again someday.
("A covenant is a sacred agreement between God and a person or group of people. God sets specific conditions, and He promises to bless us as we obey those conditions. When we choose not to keep covenants, we cannot receive the blessings, and in some instances we suffer a penalty as a consequence of our disobedience.") See Covenant


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Japanese Five Toe Socks
Keep your happy feet warm and comfortable all day long!
5 Reasons Why Everyone Should Wear 5 Toe Socks
1. 血行を良くする - Improve blood circulation
2. 疲れにくい - Relieve foot stress & fatigue
3. マッサージ効果も - Massage therapy effect
4. 冷え性に - Natural cure for cold feet
5. 蒸れ防止 - sweat free feet
How We Started
I LOVE (or maybe obsessed with^^) five toe socks. I cannot live without them. I suffered from sweaty cold feet my whole life until I met my first pair in 2009. I was blown away, "how did I just came across this now??", I thought. This was life changing. I have been hooked since, and will never go back to traditional socks.
At KissMyToes, we committed to 2 goals:
1. Providing you with the carefully curated and original 5 toe socks. Good health starts with adopting good habits into our lives. Our passion for great pairs of socks will continue to drive us into the future, to keep inspiring and spreading the benefits of five toe socks to every corner of the world.
2. Make the world a better place for animals. KissMyToes donates 2% of the sales to International Animal Rescue (www.internationalanimalrescue.org), helping to save animals from suffering around the world.
We know every pair counts and we strive to make your shopping experience as rewarding and fun as possible. Do subscribe for the updates, and get in touch with questions or requests!
Toes Cheers,
Mochi & The Crew


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Master of Science in Lubbock, Texas
MS courses in Lubbock, Texas will internationalize the CV of a candidate for better placements. It is important to get the appropriate Visa to study MS in Lubbock, Texas. The visa application to study MS courses in Lubbock, Texas should be appropriate with correct details. Also, the applicant should be free of any criminal records to apply to MS universities in Lubbock, Texas. The top universities in Lubbock, Texas for Master of Science require candidates to submit their financial stand statement. Also, in some institutes of Lubbock, Texas, there is a competitive fee structure. Candidates from across the world try to take admission in MS university of Lubbock, Texas.


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Professional Trusted Spray Painting Irishtown
Alex Trend Painters first established a base in the Irishtown in the 2009. We provide a large range of business Spray Painting solutions to Irishtown and also surrounding areas. Regardless of exactly how large or small the work, Alex Trend Painters, Spray Painting in Irishtown have the ability to supply you a complete and also varied variety of painting solutions. Our residential painting solutions include interiors, exteriors, woodwork, enhancing and also ornate fragile coatings. Our Spray Painting solutions guarantee a total surface preparation is executed prior to paint even starts. On top of that, we offer a wide variety of commercial and commercial paint services too.
Only High Quality Spray Painting Services Irishtown
Making use of only the highest-grade paints and equipment, we assure that our job will create an outstanding finish. Our many years in the sector have actually accumulated a riches of understanding as well as techniques that have been evaluated and confirmed, which we utilize in all of our projects. Our team at Alex Trend Painters identifies the worth of a meticulous technique. The elegance frequents the information, and a detailed approach is extremely important for achieving the high criterion we have actually established for ourselves. This does not always come at the cost of time. Our solutions are extensive, yet efficient. Along our painting services we also do the following: commercial painting, wallpapering, 3d wall panels, interior or exterior painting or house painting.
More areas we cover:
- Painters Eadestown
- Painters and Decorators Rathdangan
- Spray Painting Cherrywood
- Painting Contractors Balrothery
- House Painters Dunboyne
- Commercial Painting Meath
- Painting and Decorating Windy Arbour
- Painters and Decorators Glenageary
- Spray Painting Carbury
- Painting and Decorating Julianstown
For more information, to acquire a free quote, or to employ our Spray Painting services Irishtown, call us at 0877118343 to get in touch with us. Alternatively, you contact us via our convenient online form and we'll get to you right away.
Useful links: National Guild. Construction Industry Register, Passive House Association.
Irishtown or Irish Town may refer to the following places:
Alex Trend Painters
9 out of 10 based on 25 ratings.
Spray Painting Services in Irishtown
Are you contemplating giving your house or business a fresh look? Do you need to fix water stains on walls and ceilings or over walls where mould has been eliminated? It may be tempting to do the task yourself, which may result in cost savings. But, there are many reasons you should consider selecting a professional painter and decorator service.
Prices of Equipment
Employing a professional painter and decorator usually means that the painter comes with the tools that they will require to perform the work properly, will wash those tools up whenever they're completed and will take them away to be stored elsewhere.
Protection of Your Premises and Avoiding a Mess
A professional painter and decorator will have the right equipment and be educated and knowledgeable about the way to protect furniture, flooring, cupboards, paths and other items which you don't want painted out of any damage. If your job involves staining, an expert will have the right equipment and expertise to apply the stain correctly to achieve the perfect finish and once attained, protect that finish.
A professional painter may also thoroughly clean the work area once the job is finished.
Planning is Essential
An expert painter and painter will know that preparation is the trick to a great looking, long lasting paint job. The walls or other surfaces which need to be painted may have to be thoroughly cleaned, repaired, decreased and/or primed. Areas with mold or water staining may require additional therapy and patching before they are prepared for a last paint job. It's a lot of work and if it's not done properly with proper instruments and techniques, it won't lead to a quality finish.
Skills and Patience
Painting requires patience to generate a beautiful quality finish and it also takes skill that's developed with practice and experience. An expert will understand how to complete all their preparation and painting tasks involved to achieve the best outcome.
In Dublin, there are a number of options a professional painter and decorator may open to you, which you could not have the skills or expertise to do your self, including specific finishes (intumescent endings (that can be fireproof), faux finishes and textured painting, for instance ).
A professional painter will also know the materials which are needed to perform the job right. Which primer will provide the correct coverage? Latex or oil? Matte, semi-gloss, high gloss? Which primer base is required? What paint base? Spray or roller?
A professional painter will be able to recommend materials which are better to achieve the look you want, while preventing any damage to your surfaces. With that advice, you can attain a higher quality finish that will endure.
For exterior jobs, a specialist will know the ideal weather, temperature and sun conditions to finish the job with the best outcomes. Stains respond differently in direct sunshine than when it's overcast, and at different temperatures. While rain clearly impacts the job, humidity and heat can also affect the quality of exterior paint finishes. A local expert painter will know the proper materials to use to produce your exterior last as long as possible in Dublin's climate.
Increasing on ladders while trying to apply paint correctly is a skilled job that takes careful focus and attention to avoid serious harm and damage. The higher the website that requires painting, the greater the danger of an crash. For interior projects with high areas or outside jobs, a professional painter may have all the tools and experience necessary to do the job safely and correctly, including the right size and layout of ladder and scaffolding.
Your time is valuable and painting yourself requires a substantial quantity of time. Using a professional painter and decorator take care of the job for you can save you days and days of work, and can normally be achieved in a much shorter time period.
A study from Trinity College Dublin indicates that the average Irish person needs 28 hours daily to accomplish all of his or her tasks. Prevent adding a paint job to this and talk to a professional painter about your requirements.


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Advice service
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The FSAI is committed to creating an environment of openness and transparency. This public consultation process allows for those who may be affected by proposed changes to food safety legislation or who have an interest in the legislation, to contribute their views.
The majority of food safety legislation in Ireland originates from the European Union. All proposals from the EU that are relevant to food safety will be available here and all interested parties can submit their views on the possible impact of the proposals.
We will also, on occasion, invite views on some other FSAI documents such as draft Guidance Notes or Codes of Practice.
Consultation Details
Closing Date
See the archive of previous consultations.
Last reviewed: 21/9/2020
Food Supplements
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Food Safety Authority of Ireland, The Exchange, George's Dock, IFSC, D01 P2V6, Dublin 1.
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Mayhem 45 WSD
The 2019 Women's Mayhem makes Mountainsmith the first in the U.S. to launch a backpacking pack with Spectra® Fiber Technology. Spectra® Fiber is an ultralight, ultra-strong fiber that puts the Mayhem at the top of its class for weight and durability. The Mayhem 45 WSD is ideal for backpacking weekends, backcountry huts, the local crag, and far away hostels.
Why compromise when you don't have to? The 2019 Mayhem 45 WSD is ultralight, ultra-durable, and ultra-comfortable. Built with Spectra® Fiber, the pack offers a top tier weight-to-strength ratio. Used by military and law enforcement, Spectra® Fiber is an ultra-high-molecular-weight polyethylene known for its light weight, strength and abrasion resistance properties. In the Mayhem 45 WSD, this means more efficient pack carry, more mileage, and a lifetime of adventures. Less pack weight also means more room for the essentials—like melted chocolate bars and squished PB&Js.
At 45 liters, the Mayhem 45 WSD is designed for one- to three-night backpacking trips, backcountry huts trips, gear heavy days at the crag, and adventure travel. The hybrid top and panel opening offers easy access to the front of the pack, a must-have for tight environments and organized packing. Toss the Mayhem on your back and the hex-ridged EVA backpanel padding allows for omni-directional airflow while the sock-style shoulder strap construction prevents the straps from digging into your body. The Interfaced Waistbelt system is designed and patterned to flow into the backpanel allowing for a lightweight but intimate suspension fit offering high levels of stability and comfort. What makes this pack women's specific? On select Mountainsmith backpacks, we've designated specific regions of the pack fitment and sizing to better accommodate female torso structure. Precurved shoulder straps and waist belts as well as canted angles and contact points have been fine tuned for a better contour, a truer fit, and more efficient pack carry over unisex styles.
All Mountainsmith products come with the Forged for Life Guarantee, the official Mountainsmith lifetime warranty.
- Front panel expansion pocket with daisy chain attachment loops and built in haul handle
- Women's specific dual density EVA/PU contoured shoulder straps with load lifter adjustment
- Forward pull waistbelt with side adjustment webbing Ventilated waistbelt padding
- Stretch mesh waistbelt pockets
- Top lid zippered compartment with secondary pocket underneath
- Side panel mesh bottle pockets with Over/Under strap pass thru
- Dual tool / trekking pole carry with elastic pole tip loops
- Ice & mixed tool lower panel pass-thru sleeves
- Hex ridged EVA backpanel padding for omni-directional airflow
- High density foam framesheet with wireframe load dispersion
- Hybrid panel / top loader system, ideal for trail & travel
- 210d HT Nylon w/ 200d SPECTRA® R/S
- 210d Nylon Embossed Liner
- 2mm Spring Steel
- Dimensions: 26" x 11.5" x 7.5" (H x W x D)
- Torso size: 16" - 20"
- Waistbelt: 28" - 48"
- 2620 cubic inches / 43 L
- Up to 45 lbs
- 2 lbs 12 oz / 1.28 kg


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Family Fun Day & Fireworks at the Spencer Fairgrounds will be held beginning at noon July 2. Admission and parking are free.
The Fire Truck Parade starts at noon from David Prouty High School and ends at the fairgrounds.
A firemen�s muster, dunk tank, live bands and a hypnotist will follow at the fairgrounds.
There also will be food vendors, carnival rides and games, face painting, airbrush and glitter tattoos, rock & roll memorabilia, kids light up toys and more.
Fireworks start at 9:30 p.m. No coolers are permitted on the grounds.
The rain date is July 16.


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Before we can say whether China's plan economy with some degree of capitalism economy system could be outperforming the US economic systems, we can evaluate the performance of these two economies by reviewing several key indicators that we have listed above, the three of the indicators would be discussed:
1.1 GDP & GDP growth rate
Figure 2 China GDP value
Source: tradingeconomics.com 2012
Figure 3 US GDP value
Source: tradingeconomics.com 2012
In term of the GDP value, the US is still lead the competition against China with 14582.40 billion US dollars in 2010 accounting for 23.52 per cent of the whole economy in the same year. In comparison, China had less than 6000 billion US dollar, therefore the economy size of China is still far lagged behind the US. And taking into consideration of the much larger population in China, the economy size in China in term of per capita is much smaller than that of the US.
Figure 4 China GDP growth rate
Source: tradingeconomics.com 2012
Figure 5 US GDP Growth rate
Source: tradingeconomics.com 2012
And in term of GDP growth rate, it is apparent that China is going through a faster speed of economy growth with about double digit growth in the past decade except during the financial crisis. But the rapid economic growth of China has been contributed by two major factors: First of all, there are abundant human resources in China, and labor cost in China is much lower than the other industrialized countries. China's education system is also being fast developed, thus more people will achieve higher level of education than in the past. With comparative advantage in cheap labor cost and increase of human capital brought about by education, China is anticipated to sustain the economic growth in the coming years (china-window.com 2010); Secondly, China's rapid economic growth began in the 1980s with the implementation of the so called reform and opening up policy proposed by Deng XiaoPing by introducing the market economy in China with some adaptations made to the socialism social structure. And also by introducing the private ownership which is a major feature of the capitalism economy structure, China's private business sector began to develop and contribute majorly to the later economic development of China. Therefore, China's success could be said to be contributed to its strategy to introduce the capitalism, or the free market rather than adhering to the collective economy, or planned economy inherent to the socialism.
1.2 Unemployment rate
Figure 6 US unemployment rate
Figure 7 The unemployment rate in China
In term of unemployment rate, China is holding a lower unemployment rate than the United States, this could be rationalized in two ways: on one hand, the economic in China is growing and the demand for labor is increasing while the US economy is to some extent in recession, therefore the unemployment rate is kept in a higher level; one the other hand, also the majority of China's population is still in the rural area and their unemployment status usually would not be taken into consideration. In addition, the data released by the government are usually considered to be
1.3 Gini coefficient
According to the new reports in this year, for the eleventh year in a row, Chinese officials say they cannot publish the nation's Gini coefficient. The main reason, National Bureau of Statistics Director Ma Jiantang said Jan. 17, is that data on high-income groups is incomplete. Some experts criticized the announcement, saying the government is looking for reasons to de-emphasize China's significant wealth gap. The last time Chinese officials published a Gini coefficient was in 2000, when they announced that China's 2000 figure was 0.412. A 2007 China Reform Foundation report found that 4.4 trillion yuan ($697 billion) in urban residents' "grey income" had not been accounted for, amounting to 24% of China's total GDP (marketwatch.com 2012). If we say that it is impossible that a powerful government like Chinese government could not calculate a Gini coefficient, China's unwillingness to publish the data could mean that the Gini could be very high.
1.4 Critical thinking about the economic system
With the above analysis regarding the two largest nations' economic performance, we can see that for several reasons, Chinese economy system could not be considered as better than the US economy: first of all, the China's economy size in term of GDP value is still much smaller than that of the US economy. Secondly, China is enjoying a faster GDP growth which reduces the unemployment is largely because of its cheap labor cost, and it is not reasonable to make comparisons between these two different nations as the US have already passed the period in which it accounts for its lower cost labor to obtain economic growth; thirdly, the Gini data in China is still unknown to the outside world indicating that the gap between the rich and poor could be quite large. In another world, the Chinese economic system is still largely unknown to the world and this increase the business risks. fourthly, the economic system in the US has go though test of many times of economic crisis while the Chinese economic system only encounter direct impact by the 1997 Asian crisis. Therefore, it is not safe to make the judgment that China has a better economic system than the US.
Altvater, E. 1993. The Future of the Market: An Essay on the Regulation of Money and Nature After the Collapse of "Actually Existing Socialism. Verso. pp. 57.
Åslund, A. 2007, Russia's Capitalist Revolution: Why Market Reform Succeeded and Democracy Failed. Washington, DC: Peterson Institute, p.2
Asian Development Bank 2007, Key indicator. Metro Manila: Asian Development Bank. p.87
Baumol, W. & Blinder, A. 2011, Economics: Principles and Policy. Masons: South Western Cengage Learning. p.324
bigthink.com 2011. Market Failure Cannot Be Resolved Without Regulation. Viewed on 25th Jun 2012 [online] via: http://bigthink.com/experts-corner/market-failure-cannot-be-resolved-without-regulation
china-window.com 2010. Prospect of China's future economy growth. Viewed on 25th Jun 2012 [online] via: http://www.china-window.com/china_economy/china_economy_guide/prospect-of-chinas-future.shtml
chron.com 2011. The Advantages of Consumer Price Index. Viewed on 25th Jun 2012 [online] via: http://smallbusiness.chron.com/advantages-consumer-price-index-22455.html
Downing, D. & Clark, J. 2010, Business Statistics. Hauppauge, NY: Barron's Educational Series, Inc. p.455.
Fernando, A. C. 2011, Business environment. New Delhi: Dorling Kindersley (India) Pvt. Ltd. p.115
Hackett, S. C. & Moore, M. C. 2011, Environmental and Natural Resources Economics: Theory, Policy, and the Sustainable Society. New York: M. E. Sharpe, Inc. p.51
investorwords.com 2010. command economy. Viewed on 25th Jun 2012 [online] via: http://www.investorwords.com/951/command_economy.html
Kates, S. 2011. Free Market Economics: An Introduction for the General Reader. Cheltenham: Edward Elgar Publishing.
Lipsey, R. G. & Chrystal, K. A. 2007, Economies. Oxford: Oxford University Press. p.3
Lucey, T. 2005, Management Information Systems, 9th edition, London: Thomson Learning, p75
marketwatch.com 2012. China refuses to release Gini coefficient. Viewed on 25th Jun 2012 [online] via: http://articles.marketwatch.com/2012-01-19/economy/30788275_1_income-gap-china-reform-foundation-gini-coefficient
mindxpansion.com 2011. Money Supply. Viewed on 25th Jun 2012 [online] via: http://www.mindxpansion.com/options/money.php
Myers, D. 2011. Economics & Property. Burlington, MA: Taylor & Francis
newyorkfed.org 2008. The Money Supply. Viewed on 25th Jun 2012 [online] via: http://www.newyorkfed.org/aboutthefed/fedpoint/fed49.html
Pollin, R. 2007. Resurrection of the Rentier, Massachusetts: University of Massachusetts
Pride, W., Hughes, R. J. & Kapoo, J. R. 2010. Business. Masons: South Western Cengage Learning
Prybyla, J. S. 1969 Comparative Economic Systems. New York: Ardent Media. p.57
Quickmba.com 2011. Gross Domestic Product (GDP). Viewed on 25th Jun 2012 [online] via: http://www.quickmba.com/econ/macro/gdp/
Seattle.gov 2011. CPI: Frequently Asked Questions (FAQ). Viewed on 25th Jun 2012 [online] via: http://www.seattle.gov/financedepartment/cpi/overview.htm
Stonecash, R., Gans, J., King, S. & Mankiw, G. 2011, Principles of Macroeconomics. Natrop Boulevard: South Western Cengage Learning, p.162
tradingeconomics.com 2011. United Kingdom Unemployment Rate. Viewed on 25th Jun 2012 [online] via: http://www.tradingeconomics.com/united-kingdom/unemployment-rate
tradingeconomics.com 2011. United States GDP Growth Rate. Viewed on 25th Jun 2012 [online] via: http://www.tradingeconomics.com/united-states/gdp-growth
wisegeek.com 2010. What Are the Effects of an Increase in Money Supply? Viewed on 25th Jun 2012 [online] via: http://www.wisegeek.com/what-are-the-effects-of-an-increase-in-money-supply.htm
Worldbank.org 2011. GINI index. Viewed on 25th Jun 2012 [online] via: http://data.worldbank.org/indicator/SI.POV.GINI/


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Angelika Udvarhelyi
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text:
My last understanding with from them was that AEC planned to offer Jo-bolts at a reduced price, along with the donuts. I'll verify that again.
The measurement is taken with the weight on the gear.
----- Original Message -----
From: dawsonmic23
To: firstname.lastname@example.com
Sent: Thursday, August 18, 2005 7:41 PM
Subject: [musketeermail] Re: donuts
Sorry to hear about the death of the AEC Engineer but happy to here
that the Donuts may soon be available. I am still a little unclear
about how to determine that new donuts are needed. The measurement
shown in the Maint Manual--is this with the weight of the plane on
the main gear? I feel sure that i will need the new donuts but want
to make sure. What is a sourse for the J-Bolts. I understand that
the actual size needed may not be known until the main gear is
removed but I have not found a sourse for these bolts. I plan on
changing the donuts in Nov at Annual.
Mike Dawson
- In firstname.lastname@example.com, "Mike Rellihan" <rellihan@r...>
> Some bad news and some better news:
> 1. The engineer I have been working with at AEC for more than two
years, Paul Higgins, died very unexpectedly early this month of
severe cancer, at age 51.
> 2. I am now in contact with the President of AEC (also an
engineer), and it looks like he will be my future collaborator on
BAC parts projects.
> 3. The first production-run donuts are being installed on an
aircraft this coming Wednesday. Assuming no more surprises, they
will go up on the AEC website for sale the following week.
> 4. AEC is still working on the lock issues with the new handles.
I have proposed a solution based on my new lock cylinders, in hopes
of keeping things moving, but I don't yet know whether my new
contact there will be interested. I will keep the groups posted.
> 5. I still need some samples of shimmy dampers in order to make
progress on that front. While I heard a couple of responses to my
previous request, I have not yet received any samples from anyone.
> ----- Original Message -----
> From: ronnyvsailing99@a...
> To: firstname.lastname@example.com
> Sent: Wednesday, August 17, 2005 11:31 PM
> Subject: [musketeermail] donuts
> Hi there,
> Any news lately on the maingear donuts from the other company
yet. I did a
> search and the last e-mail from the company was some time ago. I
have the mains
> off so I thought I may as well replace them if they look bad.
> Thank,
> Ron Van Hoosen
> 1963 23 m-369
> Goldsby OK
> [Non-text portions of this message have been removed]
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