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By Catholic Online (NEWS CONSORTIUM)
12/17/2013 (10 months ago)
Catholic Online (www.catholic.org)
Musical inductees into Cleveland's Rock and Roll Hall of Fame in the New Year of 2014 include Peter Gabriel, who used startling and innovative use of the music video, as well as Kiss, for wearing makeup and making loud music.
By Catholic Online (NEWS CONSORTIUM)
Catholic Online (www.catholic.org)
12/17/2013 (10 months ago)
Published in Music
Keywords: Rock and roll Hall of Fame, Kiss, Peter Gabriel, Linda Ronstadt, Hall and Oates
LOS ANGELES, CA (Catholic Online) - "Kiss brings the complete package," a representative for the Hall of Fame says. "An exhilarating adolescent fantasy combination of costumes, fire-breathing pyrotechnics and over-the-top anthems that revel in a frenzy of testosterone and rock 'n' roll glory."
Another significant inductee into the Rock and Roll Hall of fame will be grunge rockers Nirvana, described as a "reluctant voice of a generation, (they) launched the fringe into the mainstream as they propelled alternative music into the top 40 . Nirvana initiated a revolution in music not seen since the advent of The Beatles."
The 29th annual induction ceremony will take place at the Barclays Center in Brooklyn on April 10. The event will be open to the paying public and the event will air as an HBO special in May.
"We know that engaging the fans is a huge opportunity," Joel Peresman, president/CEO of the Rock and Roll Hall of Fame Foundation says. "It gives them a chance to be a part of the ceremony, but it also adds a palpable energy to the event. Once we decided to open the ceremony to the public in New York, that had a huge impact on the decision to have it at Barclays Center."
inductees into the Hall of Fame are chosen by more than 700 voters, such as artists, historians and music industry professionals of the Rock and Roll Hall of Fame Foundation. The 2014 honorees will also receive an exhibit at the Rock and Roll Hall of Fame and Museum in Cleveland in conjunction with the ceremony.
Artists only become eligible for induction 25 years after the release of their first recording.
Votes form music fans generated nearly 1.4 million votes this year. The five artists with the highest number of votes made up a fans' ballot, which counted as a single vote in choosing this year's honorees.
Both Kiss and Nirvana were early favorites. Two artists that failed to receive induction despite swells of public support were Yes and Deep Purple. Hall & Oates, Peter Gabriel, Linda Ronstadt and Cat Stevens will also be inducted into the 2014 ceremony.
Additional honors will be given to late Beatles manager Brian Epstein and former Rolling Stones manager/producer Andrew Loog Oldham, who picked up Ahmet Ertegun lifetime achievement awards for their work behind the scenes in the music industry. The award for musical excellence was given to Bruce Springsteen's longtime backing group, the E Street Band.
Tickets for the event go on sale in January.
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By Catholic Online (NEWS CONSORTIUM)
"Kicks" keep getting' harder to find, Paul Revere - his real name, sort of - of Paul Revere and the Raiders warned in their hit single. "Kicks" was a staunch anti-drug anthem at a time when a generation was encouraged to tune in, turn and drop out. Decked out ... continue reading
By Catholic Online (NEWS CONSORTIUM)
In the Seventies, "Buddha in the Chocolate Box" by Cat Stevens was never far from any working turntable. Stevens, a troubadour of the times sang such standards as "Cat's Cradle." He left the music world in 1976 concurrent with his conversion to Islam. Stevens ... continue reading
By Catholic Online (NEWS CONSORTIUM)
Dr. Dre? He's doing more than OK! Computer titan Apple is buying his company, Beats - which he co-founded for Jimmy Iovine, is being bought out for a cool $3 billion. Rumors had been brewing for several weeks. LOS ANGELES, CA (Catholic Online) - Under the terms ... continue reading
By Robert Reilly
The quality of these four works by John Kinsella is such that the fact that all 10 symphonies are not available in recordings constitutes some kind of scandal. There is no room here to give individual impressions of the four symphonies. In general, I would say ... continue reading
By Catholic Online (NEWS CONSORTIUM)
The last of the singing children of the Von Trapp family has passed away at the age of 99. Maria Von Trapp immortalized in the musical classic "The Sound of Music," has died at her Vermont home of natural causes. LOS ANGELES, CA (Catholic Online) - Maria von ... continue reading
By Deal W. Hudson
Countdown to Christmas #2-- "Some Children See Him," composed by Alfred Burt (1920-1954) an American jazz musician. Burt composed the music for fifteen Christmas carols between 1942 and 1954. Several of his Christmas songs would eventually become "classics,' ... continue reading
By Deal W. Hudson
The melody itself dates back to the early 1600s, but camp meeting attendees during the Second Great Awakening would sing the hymns printed in these hymnals to a variety of popular melodies, including "The Ballad of Captain Kidd", which was well known at the time; ... continue reading
By Catholic Online (NEWS CONSORTIUM)
Musical inductees into Cleveland's Rock and Roll Hall of Fame in the New Year of 2014 include Peter Gabriel, who used startling and innovative use of the music video, as well as Kiss, for wearing makeup and making loud music. LOS ANGELES, CA (Catholic Online) - ... continue reading
By Catholic Online (NEWS CONSORTIUM)
Tina turner, the driving voice behind such classics as "Proud Mary" and "What's Love Got to Do with It?" has always seemed quintessentially American. A longtime survivor who underwent ordeals to become one of the most recognizable voices in music, Turner served ... continue reading
By Catholic Online (NEWS CONSORTIUM)
Has it really been almost 40 years since the Swedish rock group ABBA won over the record-buying public with "Waterloo?" Indeed it has - and the occasion just may very well trigger a reunion of one of the world's most successful pop bands ever! Blonde songstress Agnetha ... continue reading


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Welcome to Strange Matter! Richmond, Virginia's home for the best in underground music, art, and culture, VEGAN FRIENDLY/CARNIVORE APPROVED eats, and the city's best classic arcade. Follow the links above or below to browse our menu or calendar of events, learn more about the space or the city, find tickets to our upcoming shows and more.
For the casual punk, IRON CHIC's music is another opportunity to lose yourself in a crowd of friends and strangers as they toss you around a room, everyone screaming at the top of their lungs as the climax erupts and descends. At that moment, you think, everything in the world is right. IRON CHIC will be performing with New York's CROW BAIT, Athens-based CANCERS & local favorites HOLD TIGHT! CLICK HERE TO BUY TICKETS!
HOLD TIGHT! are coming to Strange Matter this Thursday, October 30th.
STRANGE MATTER T-SHIRTS EXIST! Thanks to our good buddy Will Towles for this badass artwork. Pick one up at the bar for $12.50!
Many thanks to our pal Armistead Spottswoode over at WCVE's Midnight Frights for producing this cool little spot extolling our many virtues. All you dingleberries on iPhones (or any dingleberries who can't see the embedded video) should click here.
Be sure to tune in to your Community Idea Station every Saturday at midnight for Midnight Frights.

subset: commoncrawl


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EU Offers Bulgaria Extra EUR 260 M for Nuclear Dismantling
EU has offered Bulgaria an additional EUR 260 M for the closure of units 1-4 of the country's Kozloduy Nuclear Power Plant, it was made clear on Friday, as a draft 2014-2020 EU budget was presented by Herman van Rompuy.
The EU had initially proposed a mere EUR 185 M for the four closed nuclear units, the Bulgarian National Radio has reminded.
However, the country's government has demanded a total of EUR 450 M.
Bulgaria's Kozloduy nuclear power plant, which has been operating since 1974, raised safety concerns, and the country agreed to shut four of its units as a condition of joining the European Union in 2007.
The sums allocated in the EU 2014-2020 budget for nuclear decommissioning of nuclear power plants in Lithuania and Slovakia are now also increased, EurActiv has informed.
Lithuania is to get for Ignalina EUR 400 M, up from EUR 210 M in the older proposal; while Slovakia will get EUR 200 M for Bohunice, up from EUR 105 M.
The Union assistance for decommissioning of nuclear power plants aims at reaching an irreversible state in the decommissioning process and eliminating the major source of radiological hazard.
- » Westinghouse Picks М3 Communications for Its PR Agency in Bulgaria
- » Bulgaria's Energy Market 'Needs More Dealers'
- » Incoming EU Energy Commissioner Prefers Southern Gas Corridor over South Stream
- » Kozloduy NPP Completes Planned Annual Overhaul of Unit 6
- » Kozloduy NPP Transferred BGN 7 M to Westinghouse under Upgrade Program for Units 5, 6
- » Bulgarian Employers, Trade Unions, Decry Lobby Groups in Energy Board


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RAW,in collaboration with Visionspace Gallery, the Downtown Lynn Cultural District, and the Lynn Museum & Historical...
Wednesday, June 3, 2014 9-10am
We want you to connect to RAW at our hour-long breakfast tours. Have breakfast on us, where you will learn about RAW's...
Have a #Rawsome weekend everyone! Happy Friday.
#artsmatter here's why. http://t.co/OSS2ocVGzH. @MASSCreative #mapoli
Who you gonna call? #GHOSTBUSTERS! http://t.co/ajh8HfwyYp Happy #tbt. Enjoy this film made by middle schoolers! @Colossal
Hey, #ArtsMatter! Stay tuned for our newest arts matter video and see why arts matter at election time. @MASSCreative
Getting excited to run @DTLCD 's Clock to the Rock 5K on Oct 2. Have you registered yet? We're hosting artmaking! http://t.co/nTczXLdGMh
#tbt 30 years ago when our fav movie came out - #Ghostbusters! See our kids version of the trailer. https://t.co/cF2A0dq8XL
Expand ur #arts network: Join #CreateTheVote & the creative community for our #MaGov forum on #arts! RSVP: http://t.co/lVnkxqtNS3
Help! We deleted an e-mail acct attached to our @YouTube acct, losing YEARS of student films. Reinstated e-mail acct - no luck. Advice??
@BridgespanGroup Thanks for featuring us!
@RootCauseThank you! We're excited! Proud of @AFCMentoring @MillCityGrows @GndwkLawrence @FutureChefs @HHBakeryCafe @GirlsLEAP
thank you so much to @lynnmuseum and @emilyruddock for supporting our kids at Open Mic at @WalnutCoffee last night!
@BFinBOS thanks for promoting the exhibit!
@JoshGoodwin32 hope you found it!


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Take part in a special workshop before or after Quirk Theatre's Jabberwocky performance, and create your own cookie monster.
Under the guidance of a professional, create theatrical costumes using a variety of materials.
'Very good class. Practiced a lot of different techniques. Tutors are friendly and give good advice.' – WORKSHOP PARTICIPANT
A mix of brilliant workshops and exciting art activities for families to enjoy together.
Working with Double Elephant print workshop, this is a chance to create your own intricate papel picado – picture flag.


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Jonathan Pettibone Rumors
Phillies Notes: Montgomery, Lee, Pettibone, Rollins
Ryan Lawrence of the Philadelphia Daily News reports that Phillies president David Montgomery recently underwent surgery to remove cancer from his jaw. The procedure, which involved taking a bone from Montgomery's leg and transplanting it to his mouth, will leave the 67-year-old hospitalized for another week. He is expected to make a full recovery. MLBTR wishes Montgomery a speedy return.
Here's the latest on the Phillies…
- Cliff Lee has been placed on the disabled list with what has been termed a mild flexor tendon sprain, the team announced yesterday. The Inquirer's Matt Gelb writes that doctors stressed to Lee the fact that he has no ligament damage. Still the team could be without its ace for at least three weeks, as Lee will rest entirely for one week then spend two weeks rebuilding the strength that rest will cause him to lose.
- ESPN's Jayson Stark spoke with GM Ruben Amaro Jr., who said that he doesn't yet know how Lee's injury will impact his team's strategy this summer. Amaro pointed out the parity throughout the game right now, citing it as another reason that he can't assess whether his team will be a buyer or seller. He said David Buchanan is the most likely candidate to replace Lee, though he wouldn't commit to that 100 percent. Darin Ruf has been called up for the time being, though Amaro termed that a "three-day fix."
- Amaro also provided an update on righty Jonathan Pettibone, as Jim Salisbury of CSNPhilly.com reports (Twitter links). A visit to Dr. James Andrews revealed a small labral tear, but Pettibone will not undergo surgery at this time. Instead, he will be treated with an anti-inflammatory shot and continue resting before starting to throw again. It was Pettibone's decision to try to avoid surgery, reports Salisbury, which seems to imply that a procedure could still be a possibility in the future. As MLB.com's Todd Zolecki writes, the so-called SLAP tear can present serious issues, and it is far from certain that Pettibone will ultimately avoid a more drastic solution.
- Veteran shortstop Jimmy Rollins has put up quite an impressive performance through the first quarter of the season. His current pace — a .275/.369/.458 triple-slash with 6 home runs and 6 steals — is not only a bounce back from a rough 2013, but is reminiscent of his form in the glory days of the mid-to-late 2000's. The 35-year-old has combined with Chase Utley to form one of the game's most productive middle-infield duos. In theory, that makes Rollins an intriguing trade chip and, potentially, upcoming free agent. In fact, it is still far from clear that the Phils will look to deal him, let alone that he would agree to waive his ten-and-five rights. And Rollins is now exceedingly unlikely to hit the open market after the season. With 177 plate appearances already in the bag, the vesting of his $11MM option for next year seems a virtual shoo-in, barring significant injury. (It would vest at 600 plate appearances this year or 1,100 combined between 2013-14, though the latter scenario has injury protections built in for the team.)
Jeff Todd contributed to this post.
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Full Story | Comments | Categories: Cliff Lee | Jimmy Rollins | Jonathan Pettibone | Philadelphia Phillies
Phillies Notes: Pettibone, Gonzalez, Pen, Prospects, Revere
The Phillies currently sit at four games under .500. While that leaves them just 4.5 games back in the NL East heading into the day's action, the team is carrying a -34 run differential (third-worst in baseball) and falls among the bottom five clubs in the game in hitting, pitching, and defense by measure of fWAR. Here are a few notes out of Philadelphia:
- The club received some bad news on the injury front today. Righty Jonathan Pettibone, who was expected to be an important part of the rotation mix this year and in the future, has been placed on the minor league DL and will visit Dr. James Andrews to explore the possibility of surgery on his ailing right shoulder, reports Jim Salisbury of CSNPhilly.com. After entering 2013 rated fourth by Baseball America among the organization's prospects, Pettibone delivered 18 solid starts of 4.04 ERA ball. But he was shut down with shoulder troubles, and managed only two MLB starts this year (allowing nine earned in just nine innings).
- In more positive news, international free agent signee Miguel Gonzalez has begun working through the low minors and is throwing in the low-to-mid 90s. "His control was a little off, but it sounds like he's healthy," said manager Ryne Sandberg. "He must be healthy if he's throwing that hard. Now it's just about getting his games in."
- The Phillies' bullpen was an area that many thought could have used additional help, and the club has paid the price for failing to make any moves. Zolecki writes that the club's talent evaluators believed they had the necessary pieces in place. "Looking back doesn't do us all that much good," said Amaro. "What we have to do is find either internal solutions to improve or just hope that the guys start to do their thing."
- One tantalizing option for relief help — young fireballer Ken Giles — will not be aggressively promoted, Amaro said, while also indicating that the same holds true for top prospect Maikel Franco. "We're not going to force them because some other guys aren't performing," said Amaro. "They can't be saviors for us. They might be able to help us at some point, but when they're ready, when they have forced our hand to do it, they'll come."
- The cost to acquire center fielder Ben Revere still looks low in retrospect, argues Corey Seidman of CSNPhilly.com, with Vance Worley falling apart and Trevor May still not quite matching results to his talent for the Twins. (I would push back somewhat on the characterization of May, who is a fairly valuable asset that could have been an important piece this year in Philly. Baseball America ranked him 8th in a deep group of Minnesota prospects, and he has 10.5 K/9 against 3.3 BB/9 in his first seven starts at the Triple-A level.) But while the deal seems okay in terms of value, says Seidman, that does not mean that it delivered a starter to Philadelphia. With middling defense, non-existent power, and lagging on-base numbers, Seidman argues that Revere is entering his prime years playing like a late-career Juan Pierre. Needless to say, the club would face yet more questions if Revere is not the answer in center for the next several years.
- GM Ruben Amaro Jr. said that some of the club's difficulties to start the year can be attributed to "part of the growing pains you have with young players," Revere among them, as MLB.com's Todd Zolecki reports. Though that comment strikes an unmistakably ironic chord for the veteran-laden Phils, Zolecki points out that the team's aging, big-dollar stars are actually playing quite well on the whole, while its younger assets are scuffling. That is indeed the case — as the team's fWAR hitter and pitcher leaderboards show, the team has thus far received a positive net contribution from just one player who has yet to turn 30 (Jake Diekman). It appears that the warning in my review of the Phillies' offseason could be coming to pass; as I wrote then, even if the team gets production from all of its elder statesmen, the rest of the roster may not be good enough to support a legitimate post-season run. It is not as if injuries are to blame. With Darin Ruf returning from injury, there is little argument that the Philles are at "full strength" in terms of available personnel, notes Justin Klugh of the Philadelphia Inquirer.
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Full Story | Comments | Categories: Ben Revere | Jonathan Pettibone | Miguel Alfredo Gonzalez | Philadelphia Phillies


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text: The following represents disclosure information provided by authors of this abstract. The ASCO Scientific Program Committee has reviewed all presenting author disclosure reports, identified potential conflicts of interest, and implemented strategies to manage those areas of conflict, where appropriate. All relationships are considered self-held and compensated unless otherwise noted. Employment/Leadership relationships are considered compensated employment unless otherwise noted. L = Leadership, U = Uncompensated, I = Immediate Family Member, B = Both Myself and Immediate Family Member, Inst = My InstitutionAn individualized dose/schedule strategy for sunitinib in metastatic renal cell cancer (mRCC) on progression-free survival (PFS): Correlation with dynamic microbubble ultrasound (DCE-US) data.B. KhalilNo relevant relationships to discloseJ. M. HudsonNo relevant relationships to discloseR. WilliamsNo relevant relationships to discloseB. LloydNo relevant relationships to discloseL. M. MilotNo relevant relationships to discloseM. AtriNo relevant relationships to discloseA. KissNo relevant relationships to discloseP. BurnsHonoraria - PfizerG. A. BjarnasonHonoraria - PfizerResearch Funding - Pfizer


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For the moment, Japan seems intent on launching its plan for a new 'scientific' whaling programme in the Southern Ocean. Whilst it has some allies, the issue drives a wedge between Japan and many other nations. Japan may be able to deflect charges against whaling, including that it is cruel, by casting such criticism as a form of anti-Japanese cultural imperialism. Our only hope is that, given the ICJ ruling is above any rhetoric or politics, perhaps those in power in Japan will be better able to see that commercial whaling is ecologically unsound, uneconomic and, in terms of international relations, disastrous.
So having being dealt disappointing cards by the NHS that left me defiant in my plea to never attend therapy and reluctant to trust anybody again, a few years later I was ushered into private therapy.
It's World Heart Day, so let's delve in to the animal kingdom and feast upon it's many wonderful varieties! From the hugely big, to the impossibly small, the fastest beating and the hardest working, animal hearts are amazingly varied. Check out these great animal heart facts!
Theo was not just developing slowly but was very ill, carrying a fatal genetic illness which would cause his muscles to waste away and kill him before he becomes a man. The pediatrician reassured us that this moment, the diagnosis, is the worst part, but stressed it would get easier as the days, weeks and months went by. But how could it? I thought.
This year wasn't my first music festival or my first time at Reading. However it was the first time I could really share the full festival experience and highlight how amazing these events are for everyone. I hope you enjoy the video report we made for you...
I am always immensely uncomfortable when anyone tries to put a monetary value on dementia, purely because I know that there is so much more to calculating the 'cost' of dementia than could ever be accurately represented by the use of pound signs. The emotional, all-encompassing, life-changing (and life-shortening) effects of dementia reach far and wide into every family affected.
It is dangerously easy to get overwhelmed by how tough life is. For this reason, I just love it when I discover something very simple that enables me and others to make a real difference to the lives of people in our communities.
When pregnant with our second child I too clearly recall my fear of a 'less than healthy' foetus. I remember believing that I wouldn't be able to cope with a child with Down's syndrome. That I wouldn't be a good enough Mum.
As I was leaving Sierra Leone, the president declared a public health emergency. He'd finally acknowledged that his country was in crisis. Now we're six months into the outbreak and the CDC are predicting as many as 500,000 Ebola cases by the end of January. What was very much an avoidable epidemic may now become endemic in a part of the world already crippled by poverty.
New York, 25 September 2015. There is no denying the fundamental and inextricable link between climate change and development. The latest Intergovernm...
The message of World Contraception Day is empowering: "It's your life; it's your future; know your options." But let's take this to the next level. Let's come together to ensure that no one stops at knowing their options but that all of us, no matter where in the world we live, can act on this knowledge and freely choose when we have children and how many children we have.
As with the Scottish referendum, so with climate: there are two options - change, or be changed irreversibly. The consequences of either have sod all to do with politicians, but in the latter the entire planet is screwed.
The "I know it's hard for you too" spiel serves to provide a cup of hot chocolate and a cosy blanket for men, so that they don't have to feel threatened. As if their existential privilege isn't enough to keep them warm at night, it is apparently important that we also softly stroke their foreheads and validate their issues as being equal to the oppression faced by women.
Research shows that if you empower a woman, you empower a family, a community, and indeed a nation. This is because women invest 90% of what they earn back into their families' health and education, making a lasting difference. Yet while there are so many smart and hard-working women out there, many of them struggle in particular with access to banks and loans. Today, more than 2.5 billion adults in the developing world are considered 'financially excluded'. This means that they do not have access to basic financial services, such as savings, bank accounts, or credit. The majority are women.
Nutrition is both a maker and marker of development. Yet, undernutrition continues to hamper the ability of children to live happy, healthy lives and reach their full potential. Millions of children - 52 million to be exact - suffer from acute malnutrition.
For any parent, teacher or carer, hearing a child say 'I want to kill myself' is a heart stopping moment. In the following seconds, time either stands still or comes rushing at you like a speed train. It might seem impossible to find the right words.


text: Going out for breakfast is my favorite dining experience. There are many good choices in the Tacoma area, but this is one of the best. First, I like the atmosphere. Growing up in the area, this building was once a florist shop I often used buying flowers for proms and special occasions, so there is that nostalgia. The wait staff... More


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Miraclesuit Fashion Figures Gandolf Women's Swimsuits One Piece
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Get it right every time in the effortless styling of Miraclesuit. Innovative Miratex fabric boasts an increased Lycra content for a slim silhouette. Sweetheart neckline flaunts a cutout center to emphasize the bust. Built-in molded bra boasts underwire contour cups for support and shape. Shirring sprays over the upper torso from the side seam to whittle the waist. Low scoop back. Full rear coverage. Lined in front. Body: 69% nylon, 31% Lycra. Drape: 83% nylon, 17% Lycra. Hand wash cold, line dry. Made in the U.S.A or Imported. Measurements: ; One Piece Length: 25 in ; Product measurements were taken using size 8. Please note that measurements may vary by size. If you're not fully satisfied with your purchase, you are welcome to return any unworn and unwashed items with tags intact and original packaging included.
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Recent Posts
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Developer- and Publisher-specific Articles: Majestic Map Pack
Halo 4 – Majestic Map Pack detailed, to be released next week
New details have been announced about the second of three upcoming map packs for Halo 4, the Majestic Map Pack. The Certain Affinity- and 343 Industries-developed entry in the War Games Map Pack series will launch next Monday, February 25, with three small- to medium-sized maps, detailed below, as well as two Majestic DLC playlists and a new free-for-all mode, Infinity Rumble.


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Charlotte, NC (SportsNetwork.com) - Carolina Panthers running backs DeAngelo Williams and Jonathan Stewart are both listed as questionable for Sunday's game against Tampa Bay.
Williams did not practice all week due to a quad injury. The Memphis product has carried the ball 151 times for 610 yards and two touchdowns in 11 games this season.
Panthers head coach Ron Rivera stated that there is "a lot of concern" regarding Williams' chances of playing Sunday.
Stewart (ankle) was limited in practice the past two days after missing Wednesday's session. The Oregon product has carried the ball 33 times for 125 yards in four games this year.
Fullback Mike Tolbert (knee) and linebacker Chase Blackburn (foot) are also listed as questionable.
Defensive end Charles Johnson (knee) and guard Chris Scott (knee) have been ruled out. Johnson, who will miss his second straight game, has 8 1/2 sacks this season.
Tight end Ben Hartsock (knee) is listed as doubtful.
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Not only does the Metropolitan Museum of Art also put up a huge, impressive tree, they decorate it as a "Neapolitan Baroque Creche," which is "embellished with a profuse array of diminutive, lifelike attendant figures and silk-robed angels hovering above." Pure class.
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The biggest band in the world and global pop superstars, One Direction, bring their epic 'Where We Are' world tour to cinemas all around the world.
Across one un-missable weekend this October, join Niall, Zayn, Liam, Harry and Louis for their first ever full One Direction concert experience on the big screen.
Recorded at Milan's iconic San Siro stadium, experience the concert, featuring all of One Direction's biggest hits, plus a 15 minute never before seen interview with the band cut with exclusive backstage tour footage, all in true high definition and 5:1 surround sound.
Release: In Cinema 11th & 12th October 2014
DVD: 1st December 2014
Run Time: 75 minute exclusive concert footage
15 minute unseen backstage tour footage and interview with the band
This film has not yet been rated


text: General | Morgan Messenger MorganMessenger IN MEMORIAM In Loving Memory of My Husband ROBBIE MICHAEL Who Passed Away October 22, 2013 A golden heart stopped beating, Your beautiful smile at rest. God broke my heart to prove, He only takes the best. It's lonesome here without you, I miss you so each day. My life just isn't the same, Ever since you went away. When days are sad and lonely, And everything goes wrong, I hear you gently whisper, "Cheer up and carry on." Each time I see your picture You seem to smile and say "Don't cry, I'm in God's keeping We'll meet again some day." Love and Miss You, "Sunshine" 7:0.764373362:1.00029552:1.00016153:0.84485817


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Typhoon Phanfone Slams Japan, Typhoon Vongfong Gathers Strength
Some computer models are predicting that Typhoon Vongfong could nearly repeat the deadly track of Typhoon Phanfone.
Curtis Charles Flood (January 18, 1938–January 20, 1997) was a Major League Baseball player who spent most of his career as a center fielder for the St. Louis Cardinals. A defensive standout, he led the National League in putouts four times and in fielding percentage twice, winning Gold Glove Awards in his last seven full seasons from 1963–1969. He also batted over .300 six times, and led the NL in hits (211) in 1964. He retired with the third most games in center field (1683) in NL history, trailing only Willie Mays and Richie Ashburn.
Some computer models are predicting that Typhoon Vongfong could nearly repeat the deadly track of Typhoon Phanfone.
Residents and tourists in Mexico's beachside towns hunkered down in shelters and hotel conference rooms overnight as a powerful and sprawling Hurricane Odile made landfall.
Luckily, the couple inside the minivan and the construction workers survived.
Torrential rains triggered a massive landslide that buried a remote village in western India on Wednesday, killing at least 17 people. More than 100 are still trapped as rescue teams struggle to reach the site.
A broken water pipe caused havoc in Los Angeles, as knee-deep water and mud filled parts of Sunset Boulevard and the University of California, Los Angeles.
In returning to their homes after the worst flood event in at least a century, residents of Bosnia-Herzegovina and Serbia face risks such as disease outbreaks and dislodged land mines. Satellite imagery reveals the massive extent of the floods, and the challenges ahead for cleanup efforts.
Parts of the Balkans region received three months' worth of rain in just two days last week, leading to flooding that has left at least 20 people dead, and forced tens of thousands to evacuate their homes.
Like a major artery bringing blood from the heart to the brain, a feed of moisture from the equator to Canada is transporting heavy rain toward New York City and the Northeast. This heavy rainstorm is consistent with the findings from a recent climate science report.
A team of climate scientists in the UK has launched an ambitious citizen science effort to quickly assess the role that manmade global warming may have played in that region's extraordinarily wet winter. The program, known as the Weather@Home 2014 project, is part of a longer term and international push to develop scientific techniques to gain insight into the relationship between global warming and extreme weather events, from heavy precipitation events to heat waves.
Continuing the nearly 29-year streak of above-average global monthly temperatures, January came in as the fourth-warmest such month on record, according to the National Oceanic and Atmospheric Administration (NOAA). This makes it the warmest January since 2007, NOAA said, and was the 38th-straight January with a global temperature above the 20th century average. The global warmth came in stark contrast to the "polar vortex" induced conditions the eastern U.S.
Yet another storm battered southern parts of the United Kingdom on Friday, with winds up to 80 mph and heavy rain. Based on satellite imagery, this storm is drawing in moisture from the same storm system that dumped heavy snow and ice across the eastern half of the U.S. this week. The storms appear to be swirling arm-in-arm across the Atlantic. The new storm is aggravating the devastating flooding, which came on the heels of the wettest January in the UK since records began in 1766.
Parts of the United Kingdom today are soaking in the wettest weather that country has seen since 1766, and it's caused flooding all over Southeast England. Government officials have issued 16 flood warnings -- meaning lives are at risk-- and hundreds of lower level flood alerts for different parts of the country as rain and wind continue to pound U.K. residents.
With the English countryside underwater from some of the worst flooding on record, the British government found that "an increasing body of evidence" ties this type of event to manmade global warming. Rainfall amounts, storm intensities, wave heights and other extreme weather-related characteristics have been at or near record levels, according to a UK Met Office report released on Sunday.
The next time a massive storm rolls into a U.S. metropolis, massive inflatable tubes could protect the city's subway system from floodwater. The tubes are made out of a strong material that looks like interwoven seat belts, according to Dave Cadogan, director of engineering for International Latex Corporation Dover. When it inflates, the giant tube will rub against subway walls like an inner lining, and the pressure from the air inside of it will prevent water from bursting through the concrete.
Residents of Minot, North Dakota, have been fighting the Souris River for weeks. Today sirens sounded, alerting them of mandatory evacuations in areas where the waters spilled over the levees. The river had been expected to top the levees Thursday morning, but Mayor Curt Zimbelman warned Wednesday morning that it would likely happen sooner. Sirens began sounding around 1 p.m. local time, according to the BBC.
We posted several Nashville flooding pictures and videos yesterday, but this gorgeous, artfully made montage is so moving that it deserves your attention — and it's making the rounds on the web, teetering on the edge of viral. You don't see YouTube videos like this very often, and as one commenter put it: "This video so captured the heart of this story...
Nashville and other parts of Tennessee were hit by the region's greatest rainfall in recorded history this weekend, resulting in a severe flood that has devastated the region and even swept away buildings and cars. The 20 inches of rain have turned interstate highways into veritable rivers, submerged neighborhoods and broken dams. Power outages have affected 36,000 homes. Thankfully, the casualties haven't been as ubiquitous as the damage.


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Definition of perplex in English:
perplexSyllabification: per·plex
Pronunciation: /pərˈpleks /
verb[with object]
1(Of something complicated or unaccountable) cause (someone) to feel completely baffled: she was perplexed by her husband's moodiness
More example sentences
- He was perplexed by her question and it more than a little baffled him.
- The 67-year-old director seems perplexed by the question.
- The children were perplexed by her unexpected good humor, but they admired her good-natured bravery in the face of personal tragedy.
puzzle, baffle, mystify, bemuse, bewilder, confound, confuse, disconcert, dumbfound, throw, throw/catch off balance, exercise, worry
informal discombobulate
puzzling, baffling, mystifying, mysterious, bewildering, confusing, disconcerting, worrying, unaccountable, difficult to understand, beyond one, paradoxical, peculiar, funny, strange, weird, odd
1.1 dated Complicate or confuse (a matter): they were perplexing a subject plain in itself
late 15th century (as the adjective perplexed): from the obsolete adjective perplex 'bewildered', from Latin perplexus 'entangled', based on plexus 'interwoven', from the verb plectere.
Definition of perplex in:
- The British & World English dictionary
- The English Synonyms
- The US English Synonyms
Get more from Oxford Dictionaries
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Word of the day oleaginous
Pronunciation: ˌəʊlɪˈadʒɪnəs
rich in, covered with, or producing oil; oily


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Charles Howard Johnson
|Charles Howard Johnson
Illustration for either Life or Truth Magazine
|Charles Howard Johnson
Kansas City?, Missouri?
|July 3, 1896
New York, New York
|Known for
Charles Howard Johnson (1868 - July 3, 1896) was a nineteenth-century American illustrator and newspaper artist. He is best known for his sparse illustrations of the 1890 U.S. edition of The princess by the English poet Alfred Lord Tennyson.
Very little is known of Johnson's life. He was reportedly born in Kansas City, and came to New York in about 1889 after studying art for a year in Cincinnati, Ohio. He worked for a number of magazines including Life, Truth, Munsey's Magazine, and on some of the daily newspapers. He illustrated over ten books.
He was particularly effective in decorative work, often making the pictures fantastical.
He was engaged to be married to the actress Elita Proctor Otis, before he died at his apartment in the Union Square Hotel of brain fever on July 3 1896, after an illness of ten days. His wife had died two years earlier, with whom he had a daughter
References and links[edit]


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Leaflet delivery people required,Car owners prefered,Others also considered, £35/1000 doors
Matured people required urgently for leaflet deliveries in Manchester. Car Owners prefered, Smart Phone /Android or I phone prefered. Rates are £35 per 1000 doors to £40 per thousand doors. Future growth prospects. Apply urgently and send details
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22 Oct 2014
Advanced Petrochemical Co starts investor meetings on Sunday ahead of its first sukuk, and has mandated HSBC Saudi Arabia and Riyad Capital to manage the transaction. But the deal is unlikely to be large enough to help bolster Saudi sukuk supply, which has dropped off sharply after strong issuance in the previous two years.
21 Oct 2014
An Indonesia insurance law taking effect this week will provide valuable clarity and guidelines on Islamic insurance. But the country's takaful sector – although holding huge untapped potential — is still hampered by an underdeveloped Islamic finance industry and the difficulty of convincing a moderate Muslim population to leave the conventional insurance sector, Fitch analysts told IFIS.
21 Oct 2014
Islamic finance risks falling behind the conventional capital markets in its support of social development and the real economy including SME financing.
20 Oct 2014
Swiber Holdings on Monday priced only the second Singapore dollar sukuk of 2014. Ambitious issuers provide the Singapore dollar sukuk market with one or two deals each year, but what really hampers the market's growth is not the lack of an established Singaporean Islamic investor base, but the lack of wider bond issuance in the currency, said debt bankers.
Sukuk is breaking free of regional boundaries to become an increasingly global market, senior IMF economists have told IFIS. Concentration risk is still one the biggest challenges for the growing market, but they expect the clear benefits of issuing sukuk bring more and more new issuers into the fold.
Saudi firm Red Sea Housing Services Co has approval from its shareholders to issue sukuk following a board meeting held on Sunday, adding weight to a trend towards more and more supply from the real estate sector.
22 Oct 2014
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07 Oct 2014
Sukuk, People & Markets
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Valuing Memorabilia
Entrusting Treasures
Remember when some Beanie Babies were fetching nearly $1 million a pop? Then they fizzled, and most are now selling for a quarter at yard sales.
Still, experts caution collectors not to ditch their seeming has-beens, as events or TV shows can propel items back into the limelight. CBS' Big Bang Theory made comic book collecting cool again, and Star Wars memorabilia surged after Disney bought Lucasfilm last year.
Specialty insurance exists for many types of collections, backed by differing methods of authentication or "agreed value" coverage. Experts advise collectors on how to best protect items, when to restore damaged items — and when to just cut their losses.
And for those who have inherited a house full of knickknacks from their grandmother, experts recommend local experts over estate sales to spot — and sell — newly hot items.
Today's valuables include vinyl records, rare books and pre- and post-WWII gun collections, said Orlando Morales, underwriting manager at American Collectors Insurance in Cherry Hill, N.J. Figurines, stamps, coins and sports memorabilia never go out of style.
The next hot items could be vintage Atari 2600, Nintendo and Sega consoles, but collectors should also hold on to their Christmas ornaments, Longaberger baskets and other faded items, Morales said.
"All you need is for media to put a spotlight on it or one gets sold in an auction house for a ton of money, and boom, it becomes a hot item," he said.
Coverage Considerations
American Collectors has a collectibles policy for many items, including Barbie dolls, G.I. Joe and Star Wars action figures, Coca-Cola advertising memorabilia and collector quilts. Rates range from $4 per $1,000 for some collections such as books and stamps, to $7.50 per $1,000 on fragile items like Hummel dolls and porcelain. The minimum annual policy premium is $65.
The insurer doesn't require appraisals or certificates of authenticity to secure coverage on most items, but the company might require a bill of sale for higher-end items. Upfront underwriting is really the key to protecting against fraud.
"We've been doing this for a long time, so we know the telltale signs of possible fraud, such as overvalued collections, applicants who are new to the hobby, or the lack of any documentation," Morales said. "Fortunately, this particular product performs very well from a loss standpoint, and we don't see a lot of fraud."
American Collectors recommends that collectors inventory and photograph items, and store those documents offsite in a bank vault or a relative's house, to be accessed in the event of a loss.
The Operation Bullpen sting operation in 1999 by the Federal Bureau of Investigation and the Internal Revenue Service seized over $500,000 in cash and roughly $10 million in forged memorabilia, from 60 individuals and businesses across five states.
Baseball memorabilia is especially hot, said Keith McConnell, vice president, business development at MiniCo Insurance Agency LLC in Phoenix.
A Honus Wagner baseball card, for example, sold for $2.3 million and Mark McGwire's 70th home run ball sold for $3 million.
MiniCo offers annual blanket coverage starting at $75 for a no-deductible, all-risk policy that also covers losses during transportation, accidental breakage and "mysterious disappearances," McConnell said.
If there is a claim, the insurer works with the collector to determine the current value, typically relying on appraisers or purchase receipts. However, for older or unappraised collections, MiniCo may research recent transaction prices on the secondary market for similar items.
McConnell recommends appraisals for higher-priced items every three to five years, "as sometimes items such as fine art can double or triple in value within a year."
Collectors should minimize handling of their items, as just touching with bare hands can lower their value, he said.
Put pictures or cards in hermetically sealed protective plastic cases to avoid creasing or wrinkling, and use tinted glass for display cases to keep direct sunlight from damaging items.
Storage room temperatures should not be too hot, cold or damp. Some collectors have alarms that indicate temperature changes.
Kenny Davis, co-owner of Worthridge Inc., an online auction and retail company in Kernersville, N.C., said that his company works with "well-respected companies" to authenticate sports memorabilia, as forgeries are on the rise — even after the 1999 Operation Bullpen sting operation by the Federal Bureau of Investigation and the Internal Revenue Service, which seized over $500,000 in cash and roughly $10 million in forged memorabilia, from 60 individuals and businesses across five states.
Worthridge hosted its first sports memorabilia online auction this summer. The offerings included San Antonio Spurs NBA Championship rings from 1999 and 2003, an unused ticket from Babe Ruth's first World Series in 1915 and an oversized boxing glove signed by Muhammad Ali.
Appraise Often
Some jewelry and stamp collections have appreciated more than 100 percent in the last several years, said Julie Sherlock, fine arts practice leader at ACE Private Risk Services in New York City. Certain genres of art, such as Chinese, Eastern and contemporary art, have significantly appreciated, and in those cases collectors should reappraise even more frequently, "as records are being broken in auction houses."
Recent record-setting auction house sale prices include $83 million for the Pink Star diamond and $142 million for Francis Bacon's "Three Studies of Lucien Freud."
Such appreciation might catch collectors off guard. ACE recently conducted research that found many wealthy homeowners are under-insured for their personal property by an average of $415,000. The carrier reported that wealthy individuals tend to have a "blind spot" in managing their valuable collections.
ACE will schedule items for full cover in an "all perils policy" that does not have a deductible, and also has blanket coverage, Sherlock said. The insurer provides coverage for market value appreciation, and will pay the market value of an item just prior to loss up to 150 percent of the scheduled amount. ACE also provides coverage for similar items that have been newly acquired but not yet scheduled.
The insurer also offers risk management consulting, and recommends that artwork not be placed over fireplaces close to soot, smoke and other damaging debris, she said.
Mid-century furniture is especially hot right now, said Laura Murphy, eastern territory fine art and collectibles specialist at Chubb Personal Insurance in New York City. Sofas or chairs bought for $1,000 in the 1950s might be selling for more than $100,000 today, if they are true design pieces by a mid-century modern designer, such as Arne Jacobsen or George Nakashima.
"A lot of museums are also now collecting mid-century design, which really validates these pieces as artwork," Murphy said.
Chubb provides valuable articles coverage with agreed value, but the insurer requires appraisals for fine and decorative art items valued over $250,000 and for jewelry valued over $100,000,
For certain items, such as jewelry with three or more carats of diamonds, appraisals may be needed every two to three years to keep up with market fluctuations, she said. For many collections such as stamps, wine or porcelain, Chubb offers blanket coverage.
Hot Wheels
Rick Drewry, collector car claims specialist at American Modern Insurance Group in Cincinnati, said his unit specializes in insuring collector cars and motorcycles, especially those made before the 1980s.
Some car values are exploding: an early 1970s Camaro Z28 that sold for $5,000 or $10,000 a decade ago, might be selling for more than $50,000 now.
Video: The original Batmobile from the 1960s TV show sold for $4.62 million in January 2013.
"We have weekend warriors who have one or two cars, mainly for fun, and many of their cars are not that high in value because of their condition or because they lack originality," Drewry said. "Then we have investors who are collecting and maintaining cars as an investment. In fact, a lot of people started investing in cars when the stock market crashed."
American Modern gives discounts for collections valued at over $250,000, as well as mileage discounts for driving less than 3,000 miles a year, and a larger discount for driving less than 1,000 miles.
When acquiring a collector vehicle, buyers should document that the car is either in its original state or has been restored back to its original specs, he said. Some older cars have build sheets under the rear seat that list the options that came with the car when it was built.
American Modern provides agreed value coverage, and when claims arise, determines book value using numerous sources, including auction houses and private sales. "Having the original engine, transmission and rear end, and having documentation like the build sheet makes a car a lot more valuable," Drewry said. "If a person doesn't have the original drivetrain, then that's probably a 40- percent hit."
The insurer recommends climate-controlled garages and for vehicles to be driven periodically.
If collections are damaged, insurers may pay third parties to restore items at a lesser value, said Tracy Bachtell, senior vice president, business development at Paul Davis Restoration Inc. in Jacksonville, Fla. Policyholders either keep the restored items and receive a check making up for the lesser value, or insurers pay them full value and then take ownership of the items for salvage. For items that may not be restorable, such as baseball cards recovered from a flood, insurers typically pay policyholders full value and salvage the items.
"The challenge to the property owner is proving what they had and their condition as the time of loss," Bachtell said. "Appraisals, photographs, purchase receipts and videos are always a good idea."
Terry Kovel of Kovels.com, a publisher of collection price guides and other collector information, said that people who inherit older furnishings may want to think twice about having an estate sale. They might have a hot item like mid- century furniture on their hands and not know it.
Other household items that are trendy include Hot Wheels and reverse-painted glass advertising signs, as the average sign is currently fetching $3,000 to $4,000.
"It's better to get an expert who knows about specific items to advise on the value or sell themselves," she said. "Find a local dealer who has been in business for a long time, rather than someone who sets up a show in a hotel, so you can find them six months later if there is a problem."
NAPSLO Report
E&S Going Strong
The state of the excess and surplus lines market is strong, as evidenced by the nearly 4,000 attendees, who networked their way through the annual convention of the National Association of Professional Surplus Lines Offices in Atlanta, from Sept. 15 to17.
"There's a lot of optimism about the market and [the number of attendees] is a testament to the strength and vitality of surplus lines," said Brady Kelley, executive director of the national organization, which focuses on networking and education for the surplus lines industry.
In fact, A.M. Best reported that surplus lines companies "have been extremely successful when compared with the overall property/casualty (P/C) industry."
Surplus lines now account for about 13.7 percent of all commercial lines direct premiums written, up from 6.1 percent in 1993, according to a 20-year retrospective on U.S. surplus lines released by A.M. Best in September.
"In 2013, 22 of the top 25 surplus lines groups produced year-over-year growth in premium (as measured by direct premiums written) — a testament to what is likely a contraction in the standard market's appetite for risk and a broad flow of business back into surplus lines," according to the report.
"A lot of people are optimistic because the economy is still growing and when the economy is growing, it can make up for a lot of foolish decisions." — Alan Jay Kaufman, chairman, president and CEO of Burns & Wilcox
But the sector is not without its challenges, specifically overcapacity in the market, according to Alan Jay Kaufman, chairman, president and CEO of Burns & Wilcox, international insurance brokers and underwriting managers.
"The market here is soft," he said. "I think it's soft in more areas than people want to talk about. … I would not say 'doom and gloom.' A lot of people are optimistic because the economy is still growing and when the economy is growing, it can make up for a lot of foolish decisions."
E&S underwriting, said Stanley Galanski, president and CEO of The Navigators Group Inc., is "the essence of underwriting. There are no rules. There are no rates. There are no mandatory forms. In E&S, it's all about your expertise and your judgment."
To be successful, companies must have underwriters who can bring a "high level of expertise to the risk" and deep relationships with wholesale brokers, he said.
It also requires constant innovation, said Mario Vitale, CEO, Aspen Insurance. "Specialty E&S is tailored for high risk situations. It allows underwriters skilled in these special niches to apply their tools of the trade to help the insured, to help the brokers, with creative risk-based solutions."
He said Aspen would be releasing some new products in 2015, and noted that there were numerous emerging risks to occupy carriers, including the impact of climate change, nanotechnology, fracking, drones, bitcoin and wearables.
"I believe all of these trends and all of these emerging technologies will bring risks and will bring demands for solutions and underwriter innovations to find them," he said.
"It's unbelievable how that [cyber] market is developing so quickly." — James Drinkwater, president of AmWINS Brokerage
Jeremy Johnson, president and CEO of Lexington Insurance Co., the E&S division of AIG, said in a recent A.M. Best webinar that his organization is designing products to deal with risks from drones, celebrity risk and cyber bullying, and also has "in the pipeline" products to address risks related to Uber and Airbnb.
"If we are not staying ahead of where our customers are going as an industry, we won't be relevant," he said.
Bruce Kessler, division president, ACE Westchester, which focuses on the wholesale distribution of excess and surplus lines products, said, "You have to be strategic as an E&S company as to where to grow and where to shrink."
But, he also noted, the "ease of entry" into the space, which he sees as "healthy and robust."
"It's easy for new capacity to come in," he said, and that has put some pressure on property/catastrophe rates. That softening is "probably the biggest talk of the conference."
Overcapacity offers one of the industry's biggest challenges, Kaufman said. "Standard lines companies are aggressively looking to write the gray areas that may at one time have been E&S and now it's back to standard lines. … You will see companies taking greater risks than they normally have in the past — risks that they don't understand."
Jeff Saunders, president of Navigators Specialty, said, "The capital in the industry is looking for a better return than from a Treasury note."
While the influx of capital has reduced rates — significantly on property and less significantly elsewhere — the company has to compete "no matter what the rate environment is," he said. That requires E&S insurers to be "agile while rotating in and out of sectors."
E&S strategies are also increasingly being influenced by predictive modeling, ACE Westchester's Kessler said. He also noted that he is seeing greater interest in product recall and cyber coverage.
Other experts at the NAPSLO conference agreed that cyber policies were finally taking off.
"It's unbelievable how that market is developing so quickly," said James Drinkwater, president of AmWINS Brokerage and one of NAPSLO's Wholesale Broker directors, during a panel discussion at the conference.
"Companies are getting hit [with cyber attacks] constantly," Vitale said. "As long as there are more hackers, they will get more sophisticated and we will have to do a better job of staying on top of emerging trends."
The opportunities in E&S outweigh the challenges, said Peter Clauson, senior vice president, excess casualty, Liberty International Underwriters.
When LIU excess casualty was established in 1999, he said, the E&S business was about a $10 billion market. "Fifteen years later, we are at $37 billion, and there's a lot of talk that in five years, we could be a $50 billion market.
"That's a lot of growth and opportunity," he said.
Sponsored: Helmsman Management Services
Six Best Practices For Effective WC Management
It's no secret that the professionals responsible for managing workers compensation programs need to be constantly vigilant.
Rising health care costs, complex state regulation, opioid-based prescription drug use and other scary trends tend to keep workers comp managers awake at night.
"Risk managers can never be comfortable because it's the nature of the beast," said Debbie Michel, president of Helmsman Management Services LLC, a third-party claims administrator (and a subsidiary of Liberty Mutual Insurance). "To manage comp requires a laser-like, constant focus on following best practices across the continuum."
Michel pointed to two notable industry trends — rises in loss severity and overall medical spending — that will combine to drive comp costs higher. For example, loss severity is predicted to increase in 2014-2015, mainly due to those rising medical costs.
Debbie discusses the top workers' comp challenge facing buyers and brokers.
The nation's annual medical spending, for its part, is expected to grow 6.1 percent in 2014 and 6.2 percent on average from 2015 through 2022, according to the Federal Government's Centers for Medicare and Medicaid Services. This increase is expected to be driven partially by increased medical services demand among the nation's aging population – many of whom are baby boomers who have remained in the workplace longer.
Other emerging trends also can have a potential negative impact on comp costs. For example, the recent classification of obesity as a disease (and the corresponding rise of obesity in the U.S.) may increase both workers comp claim frequency and severity.
"The true goal here is to think about injured employees. Everyone needs to focus on helping them get well, back to work and functioning at their best. At the same time, following a best practices approach can reduce overall comp costs, and help risk managers get a much better night's sleep."
– Debbie Michel, President, Helmsman Management Services LLC (a subsidiary of Liberty Mutual)
"These are just some factors affecting the workers compensation loss dollar," she added. "Risk managers, working with their TPAs and carriers, must focus on constant improvement. The good news is there are proven best practices to make it happen."
Michel outlined some of those best practices risk managers can take to ensure they get the most value from their workers comp spending and help their employees receive the best possible medical outcomes:
1. Workplace Partnering
Risk managers should look to partner with workplace wellness/health programs. While typically managed by different departments, there is an obvious need for risk management and health and wellness programs to be aligned in understanding workforce demographics, health patterns and other claim red flags. These are the factors that often drive claims or impede recovery.
"A workforce might have a higher percentage of smokers or diabetics than the norm, something you can learn from health and wellness programs. Comp managers can collaborate with health and wellness programs to help mitigate the potential impact," Michel said, adding that there needs to be a direct line between the workers compensation goals and overall employee health and wellness goals.
Debbie discusses the second biggest challenge facing buyers and brokers.
2. Financing Alternatives
Risk managers must constantly re-evaluate how they finance workers compensation insurance programs. For example, there could be an opportunity to reduce costs by moving to higher retention or deductible levels, or creating a captive. Taking on a larger financial, more direct stake in a workers comp program can drive positive changes in safety and related areas.
"We saw this trend grow in 2012-2013 during comp rate increases," Michel said. "When you have something to lose, you naturally are more focused on safety and other pre-loss issues."
3. TPA Training, Tenure and Resources
Businesses need to look for a tailored relationship with their TPA or carrier, where they work together to identify and build positive, strategic workers compensation programs. Also, they must exercise due diligence when choosing a TPA by taking a hard look at its training, experience and tools, which ultimately drive program performance.
For instance, Michel said, does the TPA hold regular monthly or quarterly meetings with clients and brokers to gauge progress or address issues? Or, does the TPA help create specific initiatives in a quest to take the workers compensation program to a higher level?
4. Analytics to Drive Positive Outcomes, Lower Loss Costs
Michel explained that best practices for an effective comp claims management process involve taking advantage of today's powerful analytics tools, especially sophisticated predictive modeling. When woven into an overall claims management strategy, analytics can pinpoint where to focus resources on a high-cost claim, or they can capture the best data to be used for future safety and accident prevention efforts.
"Big data and advanced analytics drive a better understanding of the claims process to bring down the total cost of risk," Michel added.
5. Provider Network Reach, Collaboration
Risk managers must pay close attention to provider networks and specifically work with outcome-based networks – in those states that allow employers to direct the care of injured workers. Such providers understand workers compensation and how to achieve optimal outcomes.
Risk managers should also understand if and how the TPA interacts with treating physicians. For example, Helmsman offers a peer-to-peer process with its 10 regional medical directors (one in each claims office). While the medical directors work closely with claims case professionals, they also interact directly, "peer-to-peer," with treatment providers to create effective care paths or considerations.
"We have seen a lot of value here for our clients," Michel said. "It's a true differentiator."
6. Strategic Outlook
Most of all, Michel said, it's important for risk managers, brokers and TPAs to think strategically – from pre-loss and prevention to a claims process that delivers the best possible outcome for injured workers.
Debbie explains the value of working with Helmsman Management Services.
Helmsman, which provides claims management, managed care and risk control solutions for businesses with 50 employees or more, offers clients what it calls the Account Management Stewardship Program. The program coordinates the "right" resources within an organization and brings together all critical players – risk manager, safety and claims professionals, broker, account manager, etc. The program also frequently utilizes subject matter experts (pharma, networks, nurses, etc.) to help increase knowledge levels for risk and safety managers.
"The true goal here is to think about injured employees," Michel said. "Everyone needs to focus on helping them get well, back to work and functioning at their best.
"At the same time, following a best practices approach can reduce overall comp costs, and help risk managers get a much better night's sleep," she said.
To learn more about how a third-party administrator like Helmsman Management Services LLC (a subsidiary of Liberty Mutual) can help manage your workers compensation costs, contact your broker.
Additional Insights
Debbie discusses how Helmsman drives outcomes for risk managers.
Debbie explains how to manage medical outcomes.
Debbie discusses considerations when selecting a TPA.
This article was produced by the R&I Brand Studio, a unit of the advertising department of Risk & Insurance, in collaboration with Helmsman Management Services. The editorial staff of Risk & Insurance had no role in its preparation.


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Latest Dorota Szczygiel Stories
2011-12-01 04:40:55
An otherwise nondescript binary star system in the Whirlpool Galaxy has brought astronomers tantalizingly close to their goal of observing a star just before it goes supernova. The study, submitted in a paper to the Astrophysical Journal, provides the latest result from an Ohio State University galaxy survey underway with the Large Binocular Telescope, located in Arizona. In the first survey of its kind, the researchers have been scanning 25 nearby galaxies for stars that brighten and...
Word of the Day
- Good cheer; viands.
- To revel; to feast.
The word 'bellycheer' may come from 'belle cheer', "good cheer".


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Ostensibly I'm doing the Murphy's Irish Stout clone from Clone Brews, however, I also have 1/2 lb of Simpson's Coffee Malt on the way because I want to do a somewhat cofee flavor stout while still observing the Reinheitsgebot (sort of). I mean putting actual coffee in beer may be good for some people, but since I drink my beers in the evening I don't need the caffeine as it will keep me up, and for another I just want a hint.
Anyone have a suggestion on what quantity of the Coffee malt I should use to get a mild coffee flavor in it?
I'm making the coffee and cream stout recipe from the October 2005 BYO this weekend and it calls for only a quarter pound of Kiln Coffee Malt...don't know how much different that is (if at all) from what you have.
Hope that helps. Good luck
There is something called Decaff..... If you are scared of caffeine.


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Deciphering the Brain's Love Map
Zonk posted about 9 years ago | from the x-marks-the-hookup dept.255
victor7 writes "Business Week Online is running a story about a new entrant into the online dating service market called Chemistry.com which has a unique approach to trying to match up subscribers. The goal is to try to programmatically decipher the subscriber's brain's 'love map' which they believe represents that chemistry that people have with each other." From the article: "There are other personality types as well that are based on chemistry. There are questions that tell us if you are good at abstract thinking, or quick to make decisions and act on them. It's not exactly like I'm going to light a fire between the two of you. It just raises the chances. Most people fall in love because they have shared values, but they stay in love because their personalities mesh. We're trying to increase the changes of finding that spark and joy and excitement you feel when personalities mesh."


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January 22, 2013
President Banda Outlines Her Vision for Malawi
by Peter Clottey
Malawi President Joyce Banda has outlined her vision for the country, which she said is to improve the lives of Malawians by saving the troubled economy and creating good paying jobs.
"My vision is a Malawi where men and women live in peace and in harmony as equals enjoying their human rights. My dream is for Malawi to be poverty free, and I intend to eradicate poverty, through economic growth and wealth creation," said Banda.
In an exclusive interview with VOA, President Banda promised that Malawians would see a sharp improvement in the economy within the next six months because of policies and initiatives her administration has put in place.
Among other initiatives, Banda says that shortly after she became president, she organized a national dialogue on the economy to consider Malawi's growth and development strategy.
"Malawians must realize and must be satisfied that we are serious with the economic recovery plan that we drew, and that there are signs that we are recovering," said Banda.
She expressed confidence that policies her administration has implemented, including the Presidential Initiative on Poverty and Hunger Reduction, will address economic challenges Malawians face.
"I went to the World Bank and asked them to provide resources in order for us to implement public works programs, cash transfer programs, school feeding programs, to ensure that we take care of the shock of the devaluation of the Kwacha [local currency], because we knew that the rural masses would go through a hard time because of the [currency] devaluation," she said.
But some opposition groups have accused Banda of being ineffectual in dealing with the economy. They recently organized a nationwide demonstration to pressure the government to do more to spur economic growth. Organizers said the demonstrators were especially concerned about high inflation and runaway fuel prices.
Government supporters counter that President Banda inherited a bad economy from her predecessor, that international donors were reducing their support and that she should be given more time for her policies to work.
"This was a country that for me was literally bankrupt, an economy that has been destroyed through mismanagement and corruption," said President Banda.
"Within the first 100 days of my stay in office the situation changed," she continued. "The letter was received from the IMF, the Kwacha was devalued, [and] the donors were back. Our relationship with our neighbors had improved."
Banda became president nine months ago following the death of president Bingu Wa Mutharika. Some analysts blame Mutharika's policies for Malawi's current economic woes.
Opposition demands
Some opposition groups have criticized Banda for not declaring her personal wealth when she became president following the death Mutharika. The groups say such a declaration could have helped Banda's efforts to root out corruption.
But the president has disagreed saying, she already declared her assets before becoming the vice president as required by the country's constitution.
"[My lawyers say] that because I am the president of this country, I am going to be victimized if I declare my assets every month or when it suits any groups of people. That is not in the law," she said.
Critics also say the president has yet to keep her promise to sell the country's presidential jet. Banda noted that a recent poll showed that over 75 percent of Malawians want the presidential jet to be retained because the country has already paid for it.
Even so, Banda says she will make sure the presidential jet is sold and that a Cabinet committee has been formed to find a buyer.
"I have insisted that since Malawians will not want to sell the plane then I shall never use it. I shall never use it because morally I think it is wrong, therefore the plane must be sold," she said.
Banda said her administration will continue to work hard to raise the standard of living for Malawians.
"Malawians must look forward toward a better future," she said.
"I am also concentrating on improving our World Bank ranking as the destination for doing business," Banda added. "So Malawians should know that once our ranking improves, it will attract investment and when investment comes, we will create jobs. Six months from now, Malawians would realize that we are on a road to a complete [economic] recovery."
President Banda also said she wants to work with civil society and opposition groups to help improve the lives of Malawians.
"I made a statement for everybody to forgive each other and to demonstrate that I formed an all-inclusive Cabinet so that Malawians can see that I was serious when I [said] I will work with even those that persecuted me," said Banda.
Clottey exclusive interview with Malawi President Joyce Banda


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GFC 3 Featuring Badr Hari Internet PPV for $5 Featured
- Written by Dave Walsh
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So Badr Hari will be fighting in just a matter of hours now (10:00am Eastern time) and yeah, we know, if you live in the United States there is absolutely nothing convenient about the timing for this event. It's early morning on a Thursday, not exactly the same thing as staying up for a K-1 or PRIDE event on the weekends like everyone was used to years ago by a long shot. That being said, if you can do it (or live in Europe), you'll only have to plonk down $5 USD to watch GFC 3 featuring Badr Hari, Peter Aerts, Peter Graham and Stefan Leko.
It's building up to be an interesting show, at least. $5 for an internet PPV (which most of you hate anyway) isn't bad by a longshot. So check it out here. We'll have a full rundown of the event later on in the day.
Dave Walsh
Dave Walsh has been covering MMA and Kickboxing since 2007 before changing his focus solely to Kickboxing in 2009, launching what was the only English-language site dedicated to giving Kickboxing similar coverage to what MMA receives. He was the co-founder of HeadKickLegend and now LiverKick. He resides in Albuquerque, New Mexico where he works as a writer of all trades.
His first novel, the Godslayer, is available now.
Latest from Dave Walsh
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A statue in Florence, Italy. Photo via Wikimedia by By MarcusObal [CC-BY-SA-3.0 (License.)
The center of Florence is completely dominated by tourists in a way one seldom sees. Imagine if the only people walking on Pennsylvania Avenue in Washington, Fifth Avenue in New York, or even the heavily-touristed Champs-Elysees in Paris were tourists, with few residents. That's what the center of Florence is like: Wall-to-wall tourists, many of them in tour groups, led by guides speaking a bewildering collection of languages (I even heard Swedish), most with little flags with a group number on the top. As a single tourist, I got accosted outside the Cathedral by two people offering to be my personal tour guide.
The architectural style through much of the city is relatively similar – sepia stucco three-story houses with green shutters to keep out the sun (which weirdly do not, at least at the hotel and conference center, seem to open. At least, I couldn't figure out how to open them). It is old and charming, though not particularly fancy -- compared, say, with Paris. At the end of the 19th century, the Piazza della Republica, in the center of the city on the site of the old Roman Forum--a rundown area that was also the site of the city's Jewish ghetto for many centuries--was razed and replaced with vaguely imposing neoclassical buildings, whose style is not as grandiose as the inscription on the biggest of them: "From long-time squalor to a new life." As I looked at the inscription, I wondered if Italy's clock was being run backwards, from a new life back to squalor. The Renaissance-era square right near the Uffuzi art museum was the site of the "bonfire of the vanities," a burning of ostentatious possessions encouraged by the late 15th-century religious reformer Savonarola. The name of this practice – I hadn't known this – gave Tom Wolfe the title for his novel about Wall Street in the 80s.
The food and wine are, frankly, magnificent. I have never had such tasty institutional food as at the university conference location outside Siena where I have been – yummy penne pasta with a duck ragout, very thinly sliced, tender chicken breast with a brown sauce. And a lot of local Chianti red wine, which is one of my favorites.
Flying back home via Frankfurt, Germany, I saw an interesting sight at the airport. In many European airports, the area leading to the plane is bedecked with ads, typically for big international banks such as Citibank, HSBC, or Deutsche Bank. In Frankfurt, I saw a whole bunch of ads for a new player – ICBC. That's the Industrial and Commercial Bank of China, one of China's largest (state-owned) banks. Part of our new world.
Posted on Sep 10, 2013 at 2:42 PM
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A new report surveys the many different approaches to launching a dedicated innovation shop in government.
Nominations for 2015 are being accepted now through Dec. 23.
The flip side of default data encryption on mobile devices is that a lost or stolen device won't yield up its secrets -- an important feature for many federal employees.
A decade after the 9/11 Commission identified agencies' reluctance to share information as a dangerous shortcoming, the government is moving in the right direction.
The latest offering is intended to help agencies speed the process of deploying authorized cloud solutions.
Cartoonist John Klossner on the telltale indicators that not everything is running through the CIO.
SBA's innovation office invests in solutions to problems that don't yet exist – like the 2007 seed funding for research into an effective Ebola treatment.
The government-wide IT contract's final awards were put off a month as NASA waded through 233 proposals.
From security and mobile to data management and open source, these firms are driving innovation in agency IT -- and growing their businesses in the process.
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News from WTOP
News from the AP
Mike Causey
Shows & Panels
Shows & Panels
- The 2014 Big Picture on Cyber Security
- AFCEA Answers
- American Readiness: Renewable Power and Efficiency Technologies
- Ask the CIO
- Building the Hybrid Cloud
- CDWG/NetApp
- Connected Government: How to Build and Procure Network Services for the Future
- Continuing Diagnostics and Mitigation: Discussion of Progress and Next Steps
- Delivering the Digital Government Mission
- Federal Executive Forum
- Federal News Radio's National Cyber Security Awareness Month Special Panel Discussion
- Federal Tech Talk
- The Future of Government Data Centers
- The Future of IT: How CIOs Can Enable the Service-Oriented Enterprise
- Government Perspectives on Mobility and the Cloud
- The Intersection: Where Technology Meets Transformation
- Maximizing ROI Through Data Center Consolidation
- Mitigating Insider Threats in Virtual & Cloud Environments
- Modern Mission Critical Series
- The New Generation of Database
- Reimagining the Next Generation of Government
- Targeting Advanced Threats: Proven Methods from Detection through Remediation
- Transformative Technology: Desktop Virtualization in Government
- The Truth About IT Opex and Software Defined Networking
- Air Traffic Management Transformation Report
- Cloud First Report
- General Dynamics IT Enterprise Center
- Gov Cloud Minute
- Government in Technology Series
- Homeland Security Cybersecurity Market Report
- National Cybersecurity Awareness Month
- Technology Insights
- The Cyber Security Report
- The Next Generation Cyber Security Experts
Shows & Panels
A night for the children — The 2009 AFCEA Bethesda NIH Children's Inn benefit gala
Sunday - 4/5/2009, 11:09am EDT
Last night was the annual AFCEA Bethesda annual charity ball to Benefit the Children's Inn at NIH. It is often one of the best events of the year — and this year was no exception. (Congratulations to Government Executive's Steve Vito andHHS's Michael Carleton, who were the co-chairmen of the event this year.)
AFCEA Bethesda has raised more than $2 million to benefit The Children's Inn at NIH. And recently, AFCEA Bethesda dedicated the AFCEA Bethesda Endowment for The Inn.
AFCEA Bethesda does a great job with this event. It is always well organized with dinner, after-dinner dancing and charity games, and an auction, but the cause is remarkable. For those of you who don't know about it, the Children's Inn is similar to the Ronald MacDonald houses — they are a place where families can stay near the hospital and have as normal of a life as is possible. Each year, the gala features one of the Inn's families who talks about life at the Inn. It is always one of the highlights of the evening, and this year was no exception. Katie Gajewski told the audience that she has a brain tumor. She has been coming to NIH for treatment for years and she and her family have stayed at the Inn. This young teen gave a remarkably poised presentation before the audience of probably 800 or more — something that can be daunting for even experienced speakers. Simply remarkable.
If you were not able to attend and you want to donate to the Children's Inn at NIH, it is a wonderful cause… and $93 buys a day at the Inn for somebody. You can make your donation here.
This was the first year that I was there for Federal News Radio 1500 AM — and we had a table. At the WFED table were Federal Drive co-anchor Jane Norris, Federal Drive producer Ruben Gomez, Federal News Radio John Meyer and Ralph Renzi… and we also had the honor of welcoming GSA's Ed O'Hare and his wife — O'Hare, of course, was just named to replace John Johnson as the Assistant Commissioner for the Federal Acquisition Service's Integrated Technology Services, which oversees some of the government's biggest and most important contracts… We also had Bev Godwin and her sister-in-law, who was in town from Iowa. Godwin leads USA.gov at GSA but is currently on detail to the White House where she is working on new media. We also had Larry Allan of the Coalition of Government Procurement and his wife. Rock stars all the way around.
GTSI's Leslie Barry usually takes photos for me at these big events, but she was out of town, so… you're stuck with me as a photographer. I have posted all of my photos on my Flickr site … and you can see a slideshow of all the photos there. (See photos of Bob Suda wearing his all black tuxedo, which spurred some to call him Darth Suda… also VA CIO nominee Roger Baker… and much more…)
Again… I have created a Flickr page of all my photos from the Children's Inn gals … and you can see a slideshow of all the photos there.


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Property to let in North Street, Crowland, Peterborough PE6
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South Street, Crowland, Peterborough PE6Cottage to rent - 2 bedrooms
A charming 2 bedroom and fully furnished period terraced cottage situated within walking distance of the town centre. Features include gas radiator central heating, upvc double glazing amd fully enclosed rear garden. More details
Note: Distances are straight line measurements
- Peterborough (7.7 miles)
- Spalding (7.9 miles)
Marketed by PROPERTYLINE, PE1. Call 01730 239038


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Tag: War
"The people who are paying the costs, military families, veterans, civilians in Iraq, Afghanistan, and Pakistan—those people deserve to have their story told," says Professor Catherine Lutz of Brown University. More
Christians, Jews, and Muslims all have a sacred connection to the ancient city of Jerusalem, says author James Carroll, and "that sacred connection, even though at the present moment it's a source of contention, is actually a profound source of union." More
Violence in Jerusalem is no surprise, says author James Carroll, "because that's the human story. The great thing about Jerusalem is it's a place where the human story gets transcended." More
Watch excerpts from our conversation with the director of policy studies at the University of Notre Dame's Kroc Institute for International Peace Studies on some of the ethical and moral issues at stake in the US raid that ended in the death of Osama bin Laden. More
In a new book called "The Violence of Peace: America's Wars in the Age of Obama," Yale Law School professor Stephen Carter ponders the vocabulary of just and unjust war and the significance of using the American military for humanitarian interventions. More
"Does the public really understand in a deep way what the moral burdens of war are? I don't think so," says philosopher, ethicist, and psychoanalyst Nancy Sherman. More
"The individual soldier often feels not that he or she is broken, but that the world itself is broken, and there is no easy fix for a broken world," writes US Navy Commander Greg Parker. More
"Whether we're actually preserving veterans' capacity to have a flourishing life afer war, a good life for a human being after war, I don't know. I just don't know," says clinical psychiatrist Jonathan Shay. More
"Soldiers carry all the moral weight of war, and we carry very little, and we need to share that moral burden by realizing that they are our surrogates," according to philosopher, ethicist, and psychoanalyst Nancy Sherman, author of "The Untold War: Inside the Hearts, Minds, and Souls of Our Soldiers." More
"To do the war on the cheap and not hold us all accountable for the decisions that are made is a travesty," says this New York National Guard state chaplain. More


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The Top 10 In Action Sports
01Thought You Had To Go Way Up North For Scottish Snow? Not Any More…
02This Prehistoric Shark Was So Enormous, It Ate Whales For Lunch
0310 Signs You're Addicted To Surfing
04It's Not Hard to See Why This Hiker's 'Art' Caused an Internet Shitstorm...
05Attack Of The Drones: This Star Wars Style Drone Racing Is Outrageously Cool
06These Incredible Images From This Glow-In-The-Dark Ski Movie Will Blow Your Mind
07If You Only Watch One Snowboard Video This Week, This Should Be It
08This Guy Is Sailing Around The World on a Tiny Catamaran, With No GPS and No Cabin
09Strange Style And Shit Philosophy: This Shaun White Twitter Parody Is Absolutely Hilarious...
10Inside A Dishwasher, Toilet Plunging & Extreme Tea Making: These GoPro Videos Should Be Mundane But Are Actually Fascinating
2010 Trek Madone Launch - Behind the Scenes
A Mountain Biking video by trek - 310 views
We decided to invite the worlds cycling media to spend a bit of time with us prior to the Tour, and to test our newest road machine on the climb where it got its name. The goal was to give them a sense of the larger than life Tour experience coupled with the internal testing experience that cyclings greatest champion had prior to each of his championships. The result is what you see in the video. Alas, certain folks have all the fun☺.
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Anker Hostel
Real Reviews
Real reviews from fellow travellers
These are trusted reviews from guests who have actually stayed here. We hope you find them helpful.
Note: we only give a property a rating once it has received a minimum of 3 reviews.
- " It may be cheaper.Also,things like renting sheets etc. should be mentioned in the website very clearly because when you are staying you are likely to rent but before going to hostel no one considers that and naturally the price for staying becomes bigger.And there is almost everyting in hostel but why there is no microwave? Please buy one.Maybe not in every room but at least 1 common.It is funny to see that in hostel there are lots of good items but no microwave:) "
- 14 Oct 2014 Doğa Turkey
- " The lack of hangers and wall sockets was a clear minus, but a other than that we had a good time at the hostels. One night two young guests came in our room telling us they had a different room but their key worked for several other doors which was a bit alarming. The wifi at the hostels was really bad. I was lagging for minutes only reading travel documents from my email. "
- 02 Oct 2014 Anonymous Sweden
- " Overall, the hostel is ok. A fine bed in a room with no lockers and a kitchen inside. If they sell a hostel with a kitchen and then you find that the kitchen is inside the room, it does not encourage you to cook knowing your room-mates are there about to sleep. Breakfast buffet for 60kr, it is worth it, because of the quality food and considering how expensive everything is in Oslo. Best thing about it is the location, 5 minutes walk from the train station and close to the city attractions. "
- 24 Aug 2014 Ignacio Switzerland
- " Huge hostel, very busy (that could explain why the staff doesn't seem always ready to help). Room very hot but has a kitchenette inside (and a kitchen on the floor) and clean. Basic accommodation, and every option or extra comes to a price (like kitchen utensils). "
- 24 Jul 2014 Anonymous France
- " I think linen should be included in the room price, and that the cooking kit should be lent, not rented. The staff was very nice and though it was situated in a terrible street, it is very centrally located. "
- 29 Jun 2014 Anonymous Mexico
- " I have nothing but praise both for the hostel and the staff, who were always friendly and helpful. The location is excellent. It is not even a ten minute walk into town. I had a private room and stayed for two weeks. I always felt safe and secure in the room. I had a comfortable bed, a refrigerator and a stove. The shower is always hot and the water pressure is always excellent. The young staff members went out of their way to be helpful and were never anything but courteous and pleasant to me. "
- 23 Jun 2014 Kipp USA
- " Really liked the hostel, though I didn't get to spend that much time there being out and about in Oslo. I'd definitely stay there again. "
- 23 Jun 2014 Shane USA
- " Very nice hostel: very central, reasonable price, nice an tid! "
- 13 Jun 2014 Pål
- " My favorite part of the hostel was the atmosphere. A bunch of travelers all looking to share stories and experiences. I highly recommend this hostel if you are a younger traveler like me who is backpacking all around the world. Met some great friends at this hostel. "
- 11 Jun 2014 Anonymous USA
- " i like baltiq cuntry hostel very good "
- 09 Jun 2014 Saleem Pakistan