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You are currently browsing the tag archive for the 'Microinsurance' tag.
> Posted by Hillary Miller-Wise, CEO, Africa Region, Grameen Foundation
Veteran journalist Walter Cronkite once said of America's health care system that "it is neither healthy, caring, nor a system." Imagine what he would have thought about some of the public health care systems in the developing world.
Consider Kenya, which is now a middle-income country, due to recent rebasing of the economic calculations. Public expenditure on health care is about 6 percent of GDP, compared to 9.3 percent in OECD countries. About 33 million Kenyans – or nearly 75 percent of the population – are uninsured, of whom 70 percent live on less than $2 per day. And there is no Obamacare on the horizon.
> Posted by Juan Blanco, Associate, Financial Inclusion 2020, CFI
In 2012, developed countries spent 8.6 percent of GDP on insurance, while developing countries spent only 2.7 percent. Traditional insurance providers face difficulties when serving low-income and unbanked customers with traditional insurance products in areas like transaction size, client education, and outreach, among others. However, mobile technologies have disrupted the way insurance is delivered and in the last two years a new array of mobile microinsurance services have popped up. Earlier this year CGAP identified 74 operators with live mobile microinsurance services, making up an increasingly diverse space that is active in more countries, offering a wider range of products, and using different business models.
Two of these services stand out, given their success, both with leading mobile network operators (MNOs). Tigo Kiiray in Senegal enrolled 13 percent of Tigo's 3 million subscriber base during its first year and a half of its launch. Talkshawk Mohafiz by Telenor Pakistan managed to issue 400,000 insurance policies within its first two months of operations. What have these models done to gain access to this historically difficult market segment?
> Posted by Center Staff
This edition of top picks features posts on how to effectively deploy new technologies to the base of the pyramid, the increasing prominence of mobile savings and credit services, and the growing potential for impact investing in microinsurance.
How can innovative technologies be distributed and adopted at scale in the last mile? Tomohiro Hamakawa of Kopernik addresses this question in a new post on Next Billion. Drawing from a recent Kopernik report, Hamakawa expounds on five key factors to serve as guiding principles in the roll-out of empowering technologies to the BoP: activating a local network of trust; lowering financial barriers; riding the technology adoption wave; focusing on tangible benefits; and staying engaged, showing commitment.
> Posted by Eric Zuehlke, Web and Communications Director, CFI
Since launching microfinance activities in 1974, BRAC has grown to become one of the world's largest financial services providers to the poor. BRAC's microfinance operations, which include loans and savings, serve more than 5 million clients in eight countries. In 2012, BRAC started a financial education and client protection project that aims to help clients adopt financial behaviors that facilitate their well-being. Shameran Abed, Director of the BRAC Microfinance program, recently spoke with me to discuss BRAC's work. Prior to joining BRAC, Abed served as an editorial writer at one of Bangladesh's main English-language daily newspapers where he wrote primarily on politics. He also serves on the Board of Directors of bKash, a mobile financial services platform in Bangladesh.
Eric: Can you talk about BRAC's client protection work and what you learned from your project pilots in 2012 and 2013?
Shameran: We wanted to make sure that any clients coming into the BRAC microfinance program could be very well catered to. They should understand what our products are, what our terms are, what our rates are, and they should make an educated decision on whether they want to take our products. And if they do become our members then they should be treated well, treated with respect, and have access to information. I'm not saying that BRAC didn't have all these things before two or three years ago, but we really wanted to double-down our efforts on these fronts. So that's why we decided to do more work around client protection, client customer service, and financial education.
Eric: What do you think are the biggest risks facing microfinance clients?
Shameran: From a financial point of view, there are two or three risks that we're particularly concerned about. One, of course, is something that's been talked about a lot, the risk of overindebtedness. Bangladesh, although quite a mature microfinance market, is, in terms of overindebtedness, thankfully still quite low. But still I think overindebtedness is something that you always guard against because there is a lot of demand for credit and if microfinance institutions are not careful they can always have issues around overindebtedness of borrowers.
There are a lot of financial institutions nowadays that are kind of fly-by-night institutions that set up shop… Institutions that are typically unregulated. They come in, they offer products, they lure in clients, and then they disappear. I think around these issues the clients need more awareness, and these are some of the things our financial education components try to address.
> Posted by Jeffrey Riecke, Communications Associate, CFI
As if we needed more motivation to support the expansion of microinsurance, the increase in extreme weather is highlighting the ability of the financial service to spur climate change adaptation.
Farming in developing countries is responsible for 70 percent of the world's food supply, and farmers in developing countries are vulnerable to the effects of climate change. What will happen to the world's food and to those making a living from small-scale agriculture when the frequency and intensity of extreme weather arising from climate change take stronger hold?
> Posted by Annalisa Bianchessi, Microinsurance Network
The Financial Inclusion 2020 campaign at the Center for Financial Inclusion at Accion is building a movement toward full financial inclusion by 2020. This blog series spotlights financial inclusion efforts around the globe, shares insights from the FI2020 consultative process and highlights findings from "Mapping the Invisible Market."
Although Africa has 17 percent of the world's pastures and arable land, the value of premiums for agricultural insurance in Africa represents less than 0.7 percent of the world's total. This remarkably low figure is deplorable when one considers that about 60 percent of the active population in Africa is working in the agricultural sector and that with the advent of climate change the risks in agricultural activities are becoming even more frequent and severe. The agriculture insurance sector in Africa is also unevenly distributed, with sector development in West Africa restricted to a handful of countries such as Nigeria, Benin, Senegal, Burkina Faso, Mali, and Ghana. Should governments intervene to support the development of the agricultural insurance sector in Africa?
For smallholder farmers, agriculture insurance offsets risks associated with weather fluctuations. This risk reduction can make it more likely that a farmer will qualify for credit and thus invest in the tools and resources (e.g. seed, fertilizer, labor) needed prior to harvest that would potentially increase crop yields. Furthermore, it also provides farmers with the peace of mind required to invest savings into businesses and increases their confidence to engage in contracts with buyers and processors.
According to Ismaïla Diakité, President of COPROCUMA, a farmer cooperative in Mali, and spokesperson for a network of 500 cooperatives representing over 500,000 Malian farmers, "Microinsurance is an avenue for the people of Mali to develop our country." Ismaïla recalls that a few years back, COPROCUMA had taken out a loan to sow 10,000 hectares of sesame seed. However due to bad weather the crop failed, and the cooperative and farmers ended up in debt. It was then that they realized the value of insurance. While very lucky (the lending institution cancelled their debt), the farmers embarked on an agriculture insurance scheme, which today is compulsory for all members of their cooperative. Ismaïla says, "Our main objective is to ensure the survival of our farmers, their life and their livelihood." To this end, he believes that insurance is an essential part of the benefits that the cooperative needs to offer the farmers. When asked whether all farmers are happy with the compulsory insurance scheme he says, "A farmer cannot see the importance of microinsurance until he can see the bigger picture. In the sector I work in there will never be unanimous agreement on anything. However a few years into the insurance scheme, 80 percent of farmers in Mali are now convinced of the importance of agriculture microinsurance." Read the rest of this entry »
> Posted by Richard Koven, Consultant, MicroInsurance Centre
The Financial Inclusion 2020 campaign at the Center for Financial Inclusion at Accion is building a movement toward full financial inclusion by 2020. This blog series spotlights financial inclusion efforts around the globe, shares insights from the FI2020 consultative process and highlights findings from "Mapping the Invisible Market."
Both client value and a business case are needed for microinsurance to be sustainable. In an ideal world, the two ultimately reinforce one another. Value is recognized by clients, leading to greater satisfaction with and demand for insurance, while demand leads to reasonable profits for insurers, enhancing their ability to provide value to clients in the medium and long-term.
In an effort to better understand how profitability and client value complement one another and how they conflict, the MicroInsurance Centre's Microinsurance Learning and Knowledge (MILK) project conducted extensive research on health microinsurance in Kenya.
Understanding client value and the business case
To understand client value, MILK conducted two "Client Math" studies. These quantitative assessments seek to understand the value of insurance compared to other risk management tools by exploring the differences in how insured and uninsured households cope with financial shocks. We looked at hospitalization insurance products offered by two private insurers: the Afya Yetu Initiative, an NGO that oversees and implements 30 Community-Based Health Insurance schemes, and the commercial insurer British-American Insurance Company Kenya (Britam). We surveyed low-income people (insured and uninsured), asking them about the direct, indirect, and opportunity costs they incurred in connection with a high-cost hospitalization as well as the strategies they used to finance those costs.
We found that while both products provided value for clients, the Afya Yetu product offered more generous coverage. Post-claim, Afya Yetu policyholders paid only a quarter of the total costs of hospitalization of their uninsured counterparts. By contrast, Britam's clients paid 80 percent as much as their uninsured counterparts. In both cases, insured respondents were able to finance their costs more independently than uninsured respondents by reducing spending in the short-term rather than taking out loans. The Afya Yetu product is simpler and was thus better understood by respondents than Britam's more complex product, which offers eight different levels of coverage. Afya Yetu uses a relatively "high touch" enrollment process that leverages existing relationships with agents from within the communities of the target populations, thereby educating clients and building trust. Britam's clients, by contrast, struggled to understand their coverage; of the insured respondents in our study, 60 percent reported paying more than they expected to pay for their hospitalization.
> Posted by Richard Leftley, Chief Executive Officer, MicroEnsure
The Financial Inclusion 2020 campaign at the Center for Financial Inclusion at Accion is building a movement toward full financial inclusion by 2020. This blog series spotlights financial inclusion efforts around the globe, shares insights from the FI2020 consultative process and highlights findings from "Mapping the Invisible Market."
Last year a statistic was released claiming that there are 6 billion phones in circulation around the world. It is clear that mobile-based delivery channels are perhaps one of the greatest opportunities in working to achieve human and market development goals, including financial inclusion.
Microinsurance is one of the great beneficiaries of mobile-based payments and service delivery innovations, as shown by the rapid growth of mobile microinsurance (MMI) products from an estimated 20 in 2006 to 84 in 2013. Today much of the growth in microinsurance is through partnerships with mobile network operators that are keen to increase sales and retain customers. But demand side obstacles persist and pose a significant challenge to growth and sustainability. Many products are available that are sound and beneficial, but clients are not picking them up. Why is that?
Over the past nine years we have provided microinsurance to millions of clients via a range of distribution channels including banks and microfinance institutions, SACCOs, cooperatives, and even churches. However, our real breakthrough came when we realized that no one wakes up wanting to buy insurance, but people do wake up worried about the risks they face. Through our work with mobile network operators, we have demonstrated that the mass market will radically change their consumer behavior in return for free insurance that addresses their risk.
Recently I stopped a man in the street and asked him if he wanted to buy life insurance. However hard I tried I could not make the sale, but when I asked him how much money he sent home to his mother every month, he became excited about a product that would keep providing that remittance to his mother if he had an accident and died.
Our ability to provide great microinsurance products is driven by our capacity to consider the needs and attitudes of our clients and then integrate these types of insights about choice and value into each product.
> Posted by Amanda Lotz, Financial Inclusion 2020 Consultant, CFI
Microinsurance matters, especially as we see an increase in climate change related disasters.
On October 28, Alexia Latortue of the U.S. Treasury moderated the opening plenary of the Financial Inclusion 2020 Global Forum featuring two leaders in microinsurance, Michel Khalaf of MetLife and Martyn Parker of Swiss Re. One of Alexia's remarks at the Global Forum deeply resonates with me today: "The occurrence of a risk event can set a family back an entire generation." Among other things, she suggested, there are new and emerging risks linked to climate change.
Shortly after the Forum, we saw haunting evidence of this. On November 8, Typhoon Haiyan devastated much of the Visayas region in the Philippines, with the city of Tacloban being the hardest hit. Typhoon Haiyan is a reminder of why we must prepare to face natural disasters. Microinsurance is one form of advance preparation that can prove instrumental in the disaster rebuilding stage.
In a disaster prone country such as the Philippines, where over 41 percent of the population lives on under $2 per day, ensuring greater access to microinsurance could make an enormous impact. In the country's rural areas, which encompass roughly half of Filipinos and about 80 percent of those living in poverty, agriculture is the primary source of income. Government data from 2009 indicates that poverty among fishermen is at 41 percent, with farmers close behind at 36 percent. Think about the opportunities for providing microinsurance to farmers and fishers, whose livelihoods and families depend on productive land and assets that can be tremendously affected by weather!
> Posted by Véronique Faber, Executive Director, Microinsurance Network
Three months ago, Jeremy Leach from Bankable Frontier Associates rightly asked in this same forum: "Microinsurance: Can the Cinderella of Financial Inclusion Join the Global Ball?" This question rang a bell with many practitioners and advocates in this field. Microinsurance is often the last service listed when talking about financial inclusion tools. However, credit, savings, and insurance work more effectively in combination rather than in sequence. In stimulating and maintaining financial inclusion, it is crucial that those with a limited income have a safety net preventing them from falling into poverty when hit by a crisis, catastrophic or lifecycle related, and become more resilient against future risks.
Since Leach's blog post, the sector has been granted three wishes (by its fairy godmother or perhaps as a result of good common sense). If these wishes are used well, insurance for low-income people will be an integral part of any global financial inclusion strategy from now on.
The first wish came in the form of visibility and awareness raising. The opening panel at the Financial Inclusion 2020 Global Forum had representatives from MetLife and Swiss Re debating how financial inclusion factors like income growth, new technologies, and government prioritization play out in the context of insurance. For the rest of the conference, insurance was on every participant's mind when thinking about the possibilities of what can be achieved in the next seven years. This is important because insurance is essential for sustainable development and financial inclusion.


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Bellavida Resort Villa Rental Photos and Description
6 bedroom luxury villa, sleeps up to 14
5 star Luxury villa, you will not be disappointed at this truly charming villa it is simply out of this world. We believe you will find everything you would expect from a 5 star hotel, with the convenience, comfort and privacy of your own luxury villa. 6 bedrooms with a north west facing private pool, ensuring you have all day sun by the pool. All rooms are furnished to the highest of standards with exclusive furnishings to make this home special. All bedrooms have en-suite bathroom , built in wardrobes and TV's. With two spacious lounge and dining areas, a fully equipped luxury kitchen with a butlers pantry. A games room with pool table, table tennis, air hockey and darts, also a Wii games consol. An extended pool and spa that sits on a screened deck area, with its superb views overlooking the lake at the rear of the property. We can assure that you will not be disappointed as the house is extensively equipped and is a luxurious place to relax after a hard day at the theme parks
Outside the Villa...: The pool area is North West facing so your guaranteed all day sun in the pool area. The pool has been upgraded to an increased size of 30 x 15', it is a heated pool and integrated Jacuzzi/spa with colored lighting, With an extended lanai area.
The pool is fully covered with a special screen enclosure to keep the bugs out. and also a fully screened pool area to keep the little ones away from the pool when you are not around this is fully moveable. the heater was also upgrading to provide gas pool heating - to get the spa up to temperature fast even in the coldest weather! The coloured lighting means that you can enjoy a late night dip.
For those wishing to bathe without the screen the facilities of the outdoor pool at the club house is available to use for all guests.
The BellaVida Resort...: The BellaVida Resort is a gated community of private homes owned by individuals and designed for vacation rentals. BellaVida has its own 6700sq ft grand clubhouse and over 15 acres of lakes, having a host of features including a large zero entry pool, cybercafe, exercise room, sand volleyball, basketball, children's playground, formal Italian style gardens and more.
Management Company: If you have any questions during your stay, you can contact us or our local management company. We employ a local company in Orlando to ensure that all of our guests enjoy the best possible holiday. We use the services of a family run professional company who are on-hand to answer any queries you may have during your stay, if you have any questions please do not hesitate to contact them, or us.
Please take a look at our virtual tour on our website www.villadilusso.com
- Suitability:
- Long-term Renters Welcome
- children welcome
- non smoking only
- pets not allowed
Guestbook comments from the owner
I can't believe it's taken me this long to write this... perhaps lost for words would be apt :) We visited in May and the villa is 5 star! Firstly, booking it was a pleasure, the owners are very friendly and helpful. The villa itself was breathtakingly designed and laid out and yet it had such a homely feel to it. The pool is incredible, there is space around for relaxing and dining and it's a pleasure to look over the lake... and to watch the occasional turkey strolling past! :) The villa is situated on such a quiet location; the beds are very comfortable, which is important after a hard day around the parks! In the vicinity there are lots of great restaurants (Smoky Bones was our favourite!) and take away places. The parks are very close, also. The Walmart is practically walking distance (if anything could be walking distance in the US!) yet you feel so safe in the Villa's little world with security gates etc.The games room was great and after a hard day around the parks and the kids still not worn out; a long dip in the pool and a game of pool will surely wear them out. Most evenings after babes had finally crashed we sat in the lovely kitchen/lounge area (just to be closer to the wine!) and chatted about our day and made plans for the next.
I could not recommend this villa highly enough! It was magnificant, you will be sure to enjoy every moment. My only regret was that we went to the parks every day... and next time we look forward to spending a relaxing and fun few days at Villa di Lusso :) Have fun!!

subset: commoncrawl


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Ms. Teri J. Herman
Gynecology, Womans View PA
- 915 Tate Blvd SE Ste 170
Hickory, NC 28602
- 1 Office Location
- (828) 345-0800
Ms. Teri J. Herman is a practicing physician. Ms. Herman practices medicine in Hickory, NC and specializes in Gynecology. Ms. Herman is affiliated with Catawba Valley Medical Center. Ms. Herman speaks English and Spanish.
Gender: Not Available
Years in Practice: Not Available
Languages Spoken: English, Spanish
Medical School: Not Available
Graduation Date: Not Available
Hospital Affiliations: Catawba Valley Medical Center
Specialties: Gynecology


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here welcome to: forums > games > board games > ipod shuffle game!
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text: Ethan is 10 days old, and I have drawn the conclusion that he is not yet ready for his crib. I tried hard-core swaddling with the Miracle Blanket, which DS loved. I tried not swaddling, laying down awake, laying him down asleep... but he won't sleep more than 20 minutes or so in the crib. What he wants is to sleep snuggled up on my chest. :) I have resorted the past few nights to sleeping in our big recliner downstairs with him on my chest. He wakes to eat then goes back to sleep. It's the only way I know so far to get more than 2 hours of sleep! I do not want to co-sleep, our bed is too cushy and I'm not comfortable with the potential risks. Plus our dog sleeps in our bed. During the day, he sleeps in the swing, or in the pack-n-play, or in the car seat if we're out and about. I googled this question and found that people either find swaddling successful, or have baby sleep in the car seat, in the crib. The car seat is elevated and baby feels more snuggly in there as well. But then you have to break the habit eventually of sleeping in the car seat! But I have to break him of the habit of sleeping on me. I am trying to be patient with the little guy, he just wants what he knows and is familiar with, which is to be close to mommy. I know this too will pass, but thought I'd put the question out there for any BTDT moms. TIA!


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All Buccaneer News
LFC Runs Away from BuccaneersJanuary 23, 2010 at 3:49 pm
The Beloit College Women's Basketball team fell behind midway through the first half and never got back in it as they lost at Lake Forest College 74-44 on Saturday afternoon.
Women Finish Fifth, Men Seventh at UWW InviteJanuary 23, 2010 at 2:15 pm
The Beloit Track & Field teams competed at the UW-Whitewater Invite on Saturday, with the Women finishing fifth and the Men seventh.
Buccaneers Return Favor in Win at Lake ForestJanuary 23, 2010 at 11:04 am
The Beloit College Men's Basketball team was disappointed with their performance a week ago in a loss to Lake Forest College in Flood Arena. Saturday night they turned it around with a 62-45 victory on the Foresters home court.
Bucs Fall at MonmouthJanuary 22, 2010 at 3:48 pm
The Beloit College Women's Basketball team suffered through turnovers and poor shooting on the way to a 53-42 loss at Monmouth College on Friday night.
Buccaneer Seniors Close Out Home Careers in DualJanuary 22, 2010 at 1:53 pm
The Beloit College Swimming & Diving team recognized seven seniors in their final home meet on Friday night at Boylan High School in Rockford as both the Men's and Women's squads fell to Loras College in a dual meet.
Loras won the Women's meet 104-87 and the Men's 126-66.
Missed Free Throws Hurt Bucs in Narrow LossJanuary 22, 2010 at 11:03 am
The Beloit College Men's Basketball team came back from ten points down but missed key free throws down the stretch in a 67-62 loss at Monmouth College on Friday night.
Kovach Earns D3 Baseball Pre-Season HonorJanuary 19, 2010 at 8:18 am
Mike Kovach, a junior right-handed pitcher/utility player for the Beloit College Baseball team, has been named Honorable Mention as a utility player on the D3Baseball.com Pre-Season All-American team.
Buccaneers Step Up for MWC WinJanuary 16, 2010 at 3:46 pm
The Beloit College Women's Basketball team knew they didn't want a repeat of Friday night's results.
So several players stepped up in a big way to give the Bucs a hard-fought 75-64 win over Illinois College in Flood Arena on Saturday afternoon.
Buccaneer Men Win Meet, Women SecondJanuary 16, 2010 at 1:51 pm
The Beloit College Swimming & Diving team had a good meet in their adopted home of Boylan High School in Rockford on Saturday, with the Men's squad scoring a win over Carroll College and Ripon College while the Women finished second behind Carroll.
Carrier Has Career Night as Bucs Hold Off ICJanuary 16, 2010 at 11:01 am
Looking to snap a five-game losing streak, the Beloit College Men's Basketball got plenty of production in Saturday's 75-72 win over Illinois College in Flood Arena.
No one provided more than Derek Carrier, who scored a career-high 25 points to lead the way. David Bremner added 18 points and Michael Horton 12 with seven rebounds and five assists.
LFC Storms Out of Halftime to Topple BucsJanuary 15, 2010 at 3:44 pm
The Beloit College Women's Basketball team had things going pretty well at the half. But Lake Forest College came storming out of the break with a big run on the way to a 71-61 win in Flood Arena on Friday night.
Buccaneer Track Opens Indoor Season at WhitewaterJanuary 15, 2010 at 2:04 pm
The Beloit College Track and Field team opened their 2010 Indoor season on Friday night, competing at the non-scoring UW-Whitewater Opener.


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Like zillions of others, I found his performance of the so-called "Trololo" song irresistible, even before I learned its background -- the original, sentimental lyrics about a cowboy heading back to the girl left behind were considered too pro-American by Soviet authorities, so Mr. Khil turned the tune into a vocalise.
Personally, I find that story a little hard to believe, but, hey, I don't care how the song came to be, or what it was supposed to be about. I'm just glad it was preserved.
When video from the 1970s of a broadly smiling Mr. Khil performing his hit began floating on the Web about three years ago, it soon went viral. According to news reports, Mr. Khil learned of his new fame and savored it.
Just the other day, I found a recent performance of "Trololo" and posted it as part of my Midweek Madness series. If you missed it, check it out. This guy definitely had something. I'm not sure what it was, but he sure had it in abundance.
"Berkeley Rep scrutinized InstantEncore and the competition. We opted for IE and have no regrets. Designing our mobile site and app was affordable, collaborative, and on-time. We launched both, and we love them. We can't wait to see what they do for the Theatre."


text: Five killed in fresh clash between Azeris, ethnic Armenians Share This: AFP 8/2/2014 7:30:12 AM Azerbaijan said Saturday it has lost four troops in new clashes with arch-foe Armenia near the disputed Nagorny Karabakh region, part of a dramatic spike in tensions in a long-simmering conflict.The defence ministry in Baku said "Armenia's reconnaissance and sabotage groups had once again tried to attack Azeri positions at the line of contact" near the majority Armenian region of Nagorny Karabakh.Azeri troops repelled the overnight attack, forcing Armenian soldiers to retreat, the defence ministry said. "As a result of the clash, four Azeri troops died," the ministry said in a statement.Nagorny Karabakh for its part said it had lost a soldier, a 25-year-old ethnic Armenian, and accused Azerbaijan of attempting "sabotage and reconnaissance activities".The defence ministry of the disputed region said three Azeri troops had been killed and seven others received injuries.The latest clashes came after Azerbaijan said on Friday it had lost eight soldiers in three days of skirmishes with Armenian troops on the border and near the disputed region.The two ex-Soviet nations have for years been locked in a protracted conflict over Nagorny Karabakh with occasional skirmishes along the front.But the latest clashes represent a surge in tensions, with one prominent Azeri military expert saying Baku has not suffered such losses in a single bout of hostilities since 1994.International mediators, who have for years sought to help the two countries reach a breakthrough, expressed concern over the violence on Friday, with the United States renewing a plea for the presidents from both countries to meet for talks."Retaliation and further violence will only make it more difficult to bring about a peaceful settlement," deputy State Department spokeswoman Marie Harf said in a statement.Armenian-backed separatists seized Nagorny Karabakh from Azerbaijan in a 1990s war that killed 30,000 people. Despite years of negotiations since a 1994 ceasefire, the two sides have yet to sign a peace deal.Energy-rich Azerbaijan has threatened to take back the disputed region by force if negotiations do not yield results, while Russia's ally Armenia has vowed to retaliate against any military action.


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|McGill University
|Faculty of Management
|Bachelor ; Honours
|Field of Study:
Financial Planning and Services
|The BCom Honours in Investment Management prepares students for a career in financial asset management, either on the buy-side working with active portfolio allocation or on the sell-side, working for brokerage firms. The program gives students a rigorous training in accounting, statistics and finance. The program enables students to analyze financial statements, perform company valuations, construct efficient portfolios with appropriate risk profiles, and manage risk using dynamic trading strategies and derivative instruments.
|Investment Management at McGill University
|3 Year(s)
|Cost per year:
The B.Com. Honours Investment Management is a limited enrolment program and is by application only for students entering their U2 year.
* We make every attempt to provide accurate information on prerequisites, programs, and tuition. However, this information is subject to change without notice and we highly recommend that you contact the school to confirm important information before applying.
Modified on July 30, 2014
St. Lawrence College
Kingston, Ontario, Canada
Algoma University
Sault Ste. Marie, Ontario, Canada
University of Lethbridge
Lethbridge, Alberta, Canada
Thompson Rivers University
Kamloops, British Columbia, Canada
Mount Allison University
Sackville, New Brunswick, Canada


text:
Pac-10 links: Debating USC's, UCLA's Rose Bowl future
July, 6, 2010
By ESPN.com staff | ESPN.com
Stay calm, okay? Let's not lose our heads. It's... it's a fine ID; it'll... it's gonna work. It's passable, okay? This isn't terrible. I mean, it's up to you, Fogell. This guy is either gonna think 'Here's another kid with a fake ID' or 'Here's McLovin, a 25 year-old Hawaiian organ donor'. Okay? So what's it gonna be?
- Is Arizona a Pac-10 contender? Once wide-eyed freshmen, these Wildcats need to step up.
- An incoming freshman might boost Arizona State's running game.
- Oregon players are enjoying offseason workouts.
- Checking in with former Oregon State QB Sean Canfield in New Orleans.
- Stanford recruiting keeps on rolling.
- Who gets to a future Rose Bowl first: USC or UCLA?
- Washington has a veteran offensive line, but what does that mean?
- The WSU Football Blog takes a look at rival Washington.
- A once and future rivalry: Utah and Colorado.
- Phil Steele looks at the Pac-10 decade.
- Some future Pac-10 quarterbacks are in Hawaii showing their stuff.
You must be signed in to post a comment
You are fully responsible for the content you post. Content that includes profanity, personal attacks or antisocial behavior (such as "spamming" or "trolling"), or other inappropriate content or material will be removed. We reserve the right to block any user who violates our terms of use, including removing all content posted by that user.
Saturday, 11/22
13:07 4th Qtr Oregon State 13 Washington 30 Final Washington State 31 13 Arizona State 52 Final 15 Arizona 42 17 Utah 10 Final Stanford 38 California 17 Final Colorado 10 2 Oregon 44 Final 19 USC 20 9 UCLA 38


text:
Joe wrote:
>>My question is - I have entered a lot of text in UFT in various events (in some cases pages of information). How will this transfer to TMG or will it? Will I have to copy the text I have entered from UFT to Word and then attach it to something in TMG. I have ordered TMG but it will be a while before I receive it and I guess I am getting anxious about the transfer.<<
Joe --
I had a lot of 'Individual Text' entries in my UFT file and it transfered to TMG as a 'Biography Tag'. Everything came over including the formatting commands, i.e., bold, ect. However, I don't know what will happen if you have citations in your text material as these are not currently supported in TMG 4.0.
Hope this is a some help to you.
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text:
"its first new outlet in more than 20 years" Plainly untrue. Jeez who researches this stuff.
Can't find your city? Try Time Out World for great nights out and all that's going on near you – wherever you are in the world.
Magazines and Visitor Guides are also available in Malta, Porto and Muscat.
Posted: Mon Oct 17 2011
One of the UK's oldest department stores, John Lewis first opened its doors on Oxford Street in 1864. It unveiled this Stratford City store in 2011 – its first new outlet in more than 20 years – and celebrated a brand new, imposing glass building loooking out over the Olympic park. The shop features fresh concepts (room 'sets' in the homes department, interactive elements in electronics, pop-up events and in-store art) and a sleek, modern look.
ReviewsAdd +
John Lewis Stratford City
101 The Arcade
Montfichet Road
Westfield Stratford City
020 8532 3500
Open 10am-8pm Mon-Fri; 9am-8pm Sat; 10.30pm-5pm Sun
Tube: Stratford/Stratford international tube/rail/DLR
3.7 / 5
"its first new outlet in more than 20 years" Plainly untrue. Jeez who researches this stuff.
First new outlet in 20 years - where do you get your info from? Cardiff was a massive full line opening only a couple of years ago and it's opened several 'at home' shops since then. I agree that the shop looks fantastic though.
A fantastic store. I'd say maybe even better than Oxford St.


text:
La Quinta House Rental Photos and Description
House, 3 Bedrooms, 3 Baths, (Sleeps 6)
This is the perfect Desert Vacation home which offers a spacious great room with lots of window and views, views, views. A double-door entry brings you into a circular vestibule that leads into the expansive great/family room. There are 3BD/3BA (includes the Casita) that sleep 6 guests. The dining area has wrap-around glass and unrestricted views of the Santa Rosa Mountains and Weiskopf Golf Course. The back patio has a built in BBQ, private pool and elevated spa.
The property is located in the gated and guarded Nicklaus PGA Residential Community.
Keywords: Vacation Home
- Suitability:
- children welcome
- non smoking only
- pets considered


text:
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Date: 1905 ca.
Description: A drawing by State Architect, Arthur Peabody, depicting the proposed State Street facade of the University Club building.
Date: date unknown
Description: Engraved quarter-length portrait of Robert Spencer.
Description: A blueprint showing the second floor balcony outside of the linen room of Stanley McCormick's Riven Rock estate in El Montecito, Santa Barbara County, Cali...
Description: Ledger Drawing. Two men, one horse. One man touches the other with what may be a coup stick.
Description: "Building rafts, or pontoons, upon which to mount huge mortars — for use on the river. Scene at St. Louis." Men are building on a pontoon with lumber. Ther...
Date: 1926-07
Description: Front cover of "Opportunity: Journal of Negro Life" showing an illustration of a woman in an evening dress with her cheek resting on her shoulder, and peop...
Date: 1892
Description: Illustration of "Voyageur with Tumpline". A tumpline is a strap attached at both ends to a load and used to carry the object by placing the strap over the...
Description: Ledger Drawing. Two men in combat. One horse.
Description: "Conveying Provisions over the Ozark Mountains to the Army at Springfield, MO." Men on horseback are riding along a trail carrying supplies.
Date: 1873
Description: Detail from atlas of the home of H.M. Curtis who settled in 1840.
Date: 1881
Description: A black and silver, hand-drawn, pen and ink holiday card with an Asian theme. A woman and a young man face each other. A dried flower and sprig of foliage...
Date: 1880 ca.
Description: The foundry of the E.P. Allis Works.
Date: 1867-09-21
Description: Illustration of four men shooting at a thick flock of wild pigeons. Hunting dogs are gathered around them in the field, which has a number of dead birds.
Date: 1851 ca.
Description: Several men sculling a boat near Fort Howard that has an American Flag, barracks, and various related military buildings enclosed behind a wall.
Date: 1941 before
Description: Woodcut illustration of a man viewing artwork on a wall. He is somewhat stooped over and is holding a hat and cane in his hands.
Date: 1940 ca.
Description: Matted architectural drawing for a proposed Methodist church for a congregation in Spring Green, Wisconsin, drawn by Marcus Weston with input from architec...
Date: 1936-04-25
Description: The cartoon by Gib Crockett shows the Altmeyer and Astin figures wearing bandages and crutches, as though they have been beaten up. From a radio nearby the...
Date: 1886-07-03 after
Description: Interior view of the Schlitz Palm Garden filled with finely dressed people. The Schlitz logo appears in the upper left corner. Located on N. 3rd Street, so...
Date: 1943-12
Description: Hand-drawn holiday card of a woman soldier in front of McCloskey General Hospital. She is in uniform and is saluting. There are cacti (cactus) in the foreg...
Description: Illustration of a man driving a horse-drawn wagon out of burning woodland.
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Like it or not, parents, this is the time of year when school's out for the summer… and for approximately three months your kids will be pestering you for things to do, or you'll be keeping a hawk's eye on them to see that they aren't doing something wrong. One of my favorite bumper stickers …
Tag Archive: something wrong
Jul 25 2013
Summer can be a time of fun rather than fuming
Featured, Gospel News, Healthy Family
July 25, 2013
Tags: being bad, Bible, boundaries, boundary, breaking rules, breaking the rules, chauffer, child, Children, Christ, Christian, christian faith, christian god, Christianity, cloth, doctor spock, doing soemthing wrong, Don Lindman, don't exasperate your children, dr. spock, drive, feed, God, grand parent, grandparents, Insanity is inherited; you get it from your kids, Jesus, jesus christ, kid, kids, lord, lord god, Lord Jesus Christ, Love each other in the same way I have loved you, mature, maturity, obedience, obey, obey your parents, parent, parents, rules, something wrong, spock, summer, Summer can be a time of fun rather than fuming, teen, teenager, teenagers, teens, teuth, teuthfulness, wrong
Permanent link to this article: http://www.easttexasreview.com/summer-can-be-a-time-of-fun-rather-than-fuming/
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text:
individuallySyllabification: in·di·vid·u·al·ly
Pronunciation: /ˌindəˈvij(o͞o)əlē /
Definition of individually in English:
1One by one; singly; separately: individually wrapped cheeses
More example sentences
- This was done by the data collector for each patient individually in a separate room.
- The two sides did a lot of talking today - not individually, but rather separately in their own camps.
- Targets are separated and individually managed and displayed on situational displays.
one at a time, one by one, singly, separately, severally, independently, apart
1.1In a distinctive manner: each sign is individually designed and crafted
More example sentences
- Their tone was well-blended when need be but individually distinctive when called for.
- We all order the same dish, off a set menu, but in our individually distinctive voices.
- The bedrooms range from standard, superior and deluxe to suites, all en-suite and individually designed and decorated.
2Personally; in an individual capacity: partnerships and individually owned firms
More example sentences
- If an issue affects someone personally and individually, then the communication should be one to one, face to face.
- Democracy, after all, is not about which personality we, individually, like or dislike.
- They have different personalities and react individually to their bereavement.
Definition of individually in:
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= trending
Word of the day Sprachgefühl
Pronunciation: ˈʃprɑːxɡəˌfuːl
intuitive understanding of a language's natural idiom…


text:
Staying Young
The Bible Says
Welcome to the Deary Adventist Church website!
You can find out a lot about what is happening in our church by checking out the pages on our website. Come back every day to enjoy our daily devotional and see what is new on our calendar.
Upcoming Events


text:
Found 596 related files. Current in page 7
Public confidence plays an important role in sustaining financial system stability. In normal times the regulation and supervision of banks, the promotion and use of standards of sound business and financial practice, central bank actions, explicit deposit protection and an effective bank closure mechanism all help to reduce the adverse consequences of a financial crisis emanating from bank failures. It is understood that banks, like other firms, will fail1 and the likelihood of this happening is higher when risks in a particular banking concern are not managed appropriately, bubbles in certain markets burst or financial markets are very fragile due to either domestic or foreign reasons. In almost all circumstances private sector solutions, such as rights issues or mergers, should be pursued in the first instance to deal with problem or failing banks, as in most cases they can limit the pressure on the financial system safety net (FSN). However, when problems become systemic governments tend to play a much more active role and call upon the agencies that make up the FSN to undertake extraordinary measures. Intervention can take a variety of forms. As such, there is a clear need for officials to undertake coherent contingency planning, financial risk assessment and crisis management. A significant development on that front has been the introduction of financial stability forums in the form of committees in individual countries to oversee agencies within the official safety net and improve how they govern macro-prudential and micro-prudential issues (Nier et al 2011).2 However, financial stability committees are not new and the reinvigoration of a formal oversight body is unlikely to fulfil all that is expected of it. This gives rise to an expectations gap, which we explore.
En las pruebas de investigación clínica participan muchas personas distintas. Cada prueba tiene criterios muy específicos que deben cumplir los voluntarios. Algunos ejemplos de estos criterios son: el sexo, la edad, el tipo de afección médica, el medicamento/tratamiento previo y la gravedad de la afección médica.Los voluntarios para pruebas clínicas pueden tener diversas razones para participar como pacientes voluntarios.
Installation Instructions. Micro800™ Programmable Controller External. AC Power Supply. Catalog Number(s) 2080-PS120-240VAC. Cette publication est disponible en français sous forme électronique (fichier PDF). Pour la télécharger, rendez-vous sur la page Internet indiquée ci-dessus. Questa pubblicazione è disponibile in Italiano in formato PDF. Per scaricarla collegarsi al sito Web indicato sopra. Diese Publikation ist als PDF auf Deutsch verfügbar. Gehen Sie auf die oben genannte Web-Adresse, um nach der Publikation zu suchen und sie herunterzuladen. Esta publicación está disponible en español como PDF. Diríjase a la dirección web indicada arriba para buscar y descarga esta publicación. PT Esta publicação está disponível em portugués como PDF. Vá ao endereço web que aparece acima para encontrar e fazer download da publicação.
Updated, 11/1/2011 This is a guide to power electronics demonstration samples for Multisim/LabVIEW co-simulation. These new tools are intended to enable desktop development of power electronics control IP for LabVIEW FPGA, enabling you to develop/test/debug/validate before you compile to physical hardware. By exploring these samples, you can learn basic features of the co-simulation environment as well as the techniques you will need to accurately simulate LabVIEW FPGA control systems with your power electronics circuits. By exploring the samples and suggested exercises in this document with live interactive LabVIEW front panels, you can also enhance your intuitive understanding of the switch mode power electronics circuits and control systems. The goal of these graphical system design tools is to significantly accelerate the development of inverter control systems, by enabling you to develop your exact deployment code on the desktop (without long FPGA compiles), and using formal software verification techniques (build each IP block to specification and perform functional verification testing on the desktop whenever changes or updates are made). NI hopes the new tools will serve as a catalyst and platform for innovation and creativity and would like to invite you to expand and enhance the samples contained in this guide. We encourage you to develop, document and share through the online Power Electronics Development Center community site the following: 1. Power electronics circuit examples, 2. Power electronics control algorithms for LabVIEW FPGA, 3. Multisim power electronics component models, 4. Comparisons between physical test data and simulation results, and 5. Training materials or curriculum for industry professionals or university students. In some cases, you may be able to negotiate discounted access to the NI hardware and software tools to reward and encourage the development and sharing of valuable material for the power electronics developer community. Please email proposals to NI Clean Energy Product Manager, email@example.com.
Please visit: http://www.watchpartsoutlet.com/. At present, the trend of buying watch bands online, is really on the high. If the band on your watch is too sizable, then you can get it diminished. This will be a cordial choice for those that are searching for a less formal attire.
Business people use informal methods to represent business processes (BP), having the main objective to support an enterprise organization. On the other hand, application software is increasingly based on Service Oriented Architectures, where the application logic is represented by executable BP (e.g., by using BPEL.) Despite both are aiming at BP modelling, the methods used by business people and IT specialists are quite different. The former use informal, descriptive methods, with an intuitive semantics difficult to be translated to the formal representation needed in the IT world. This paper presents the main lines of an ontological framework for the representation of BP semantics: BPAL (Business Process Abstract Language.) It is primarily conceived to provide a formal semantics to BPMN, an informal BP modelling method that is emerging in the business world. The modelling categories of BPAL are based on well accepted business notions, such as activity, decision, role. We believe that it may be useful beyond BPMN, in more general business contexts. BPAL is an abstract language (no drawing symbols are provided) having a procedural semantics (allowing a translation to an executable form, BPEL), and a declarative semantics, to be processed by an inference engine.
Quality aspects become increasingly important when business process modeling is used in a large-scale enterprise setting. In order to facilitate a storage without redundancy and an efficient retrieval of relevant process models in model databases it is required to develop a theoretical understanding of how a degree of behavioral similarity can be defined. In this paper we address this challenge in a novel way. We use causal footprints as an abstract representation of the behavior captured by a process model, since they allow us to compare models defined in both formal modeling languages like Petri nets and informal ones like EPCs. Based on the causal footprint derived from two models we calculate their similarity based on the established vector space model from information retrieval. We validate this concept with an experiment using the SAP Reference Model and an implementation in the ProM framework. Keywords: Business Process Modeling, Event-driven Process Chains, Similarity, Equivalence.
Monday, October 14, 2013 8:00 a.m. — 12:00 p.m. The Basics of BIM Chapter Education Program is designed specifically for SMACNA Contractors who are eager to learn the essential concepts of BIM. This course will benefit Contractors without any formal CAD experience, as well as Contractors versed in 3D CAD, but may not have performed in the BIM arena. This half-day course is designed to give an overview of BIM to prepare SMACNA contractors for involvement in BIM related projects. Some of the key takeaways from this course will be to define BIM as it relates to SMACNA Contractors, discuss the past, present, and future of BIM, and identify the hardware and software costs for implementation. BIM 102—Advanced Navisworks Training Monday, October 14, 2013 1:00 p.m. — 5:00 p.m. The Advanced Navisworks Chapter Education Program is designed specifically for the SMACNA Sheet Metal Mechanical Contractors who are eager to learn the essential concepts of 3D Clash Detection and MEP Coordination. Advanced Navisworks is specifically designed for industry professionals eager to increase their knowledge and proficiency in Navisworks. This half-day course will increase your knowledge of the software while providing information on how to leverage Navisworks for 3D Coordination and Collaboration.
Perspectiva del iPod touch Botones Apps del iPod touch Iconos de estado Visualización del manual del usuario en el iPod touch Requisitos necesarios Configuración del iPod touch Cómo desconectar el iPod touch del ordenador Conexión a Internet Cómo añadir cuentas de correo, contactos y calendarios Uso de las apps Personalización de la pantalla de inicio Escritura Impresión Cómo realizar búsquedas Control por voz Dispositivos Bluetooth Batería Funciones de seguridad Limpieza del iPod touch Reinicio o restauración del iPod touch Acerca de la sincronización Sincronización de cuentas Sincronización con iTunes Paneles de ajustes del iPod touch en iTunes Sincronización automática con iTunes Gestión manual de contenidos
Reportage wedding photography, I provide a combination of both reportage/candid style images with formal/traditional wedding photography, I capture the details and those special moments.


text:
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Get out to the ball park displaying your support for #6 Ryan Howard and the Phillies with this replica baseball jersey from Majestic featuring a tackle twill team name across the chest and player name and number on the back. It's perfect for any fan who wants to be in the middle of all the season's action!
- 100% Polyester fabric
- Felt applique Majestic logo on right sleeve
- Full button jersey
- Jock tag
- Made in America
- Officially licensed MLB product
- Rounded hem
- Tackle twill numbers & lettering
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Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


text:
WASHINGTON (AP) - It just got a little easier to swap cellphone providers.
SPARKS, Nev. (AP) - A sprawling industrial park near Reno where wild mustangs roam among the sagebrush has become the focus of the secretive site selection process for Tesla's $5 billion battery factory, but the groundwork taking place is no guarantee the plant and its 6,500 jobs are coming.
DETROIT (AP) - Big discounts helped U.S. auto sales sizzle in July.
LOS ANGELES (AP) - Sometimes the struggles of an industry can bring music to your ears. And your screens.
WASHINGTON (AP) - The CIA's insistence that it did not spy on its Senate overseers collapsed Thursday with the release of a stark report by the agency's internal watchdog documenting improper computer surveillance and obstructionist behavior by CIA officers.
GAZA CITY, Gaza Strip (AP) - A three-day cease-fire in the Gaza Strip went into effect Friday following heavy Israel-Hamas fighting that killed 17 Palestinians and five Israeli soldiers.
KAOHSIUNG, Taiwan (AP) - At least 25 people were killed and 267 injured when underground gas explosions ripped through Taiwan's second-largest city, hurling concrete and cars through the air and blasting long trenches in the streets, authorities said Friday, as they searched for the cause.
NEW YORK (AP) - For stock investors, the red flags were everywhere on Thursday.
NEW YORK (AP) - A ticket stub signed by Lou Gehrig on the day he retired from baseball sold for $95,600 at an auction on Thursday, and the boxing gloves Muhammad Ali wore in the first of his three fights against Joe Frazier sold for $388,375.
WASHINGTON (AP) - Once more, the tea party forced House Speaker John Boehner to blink.
LOS ANGELES (AP) - Five people sued the federal government Thursday alleging that an expanded national security screen targeting Muslims has led to lengthy delays and denials in their citizenship and green card applications.
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LAWRENCEVILLE, Ga. (AP) - Two men and a 15-year-old have been sentenced to life in prison for murdering a metro Atlanta teen who authorities said was targeted over his expensive shoe collection.
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Find records of Royden Stagen
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Royden Sintzenich Stagen (1939 - 2011) was born on July 18, 1939. Royden was born into the Stagen family.
There are no known marriages or children on record for Royden. Royden died on February 5, 2011 at age 71.
Royden Sintzenich Stagen's last known residence is at Reno, Washoe County, Nevada.
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Current Time: 11/27/2014 12:42:34 PM (UTC-08:00) Pacific Time (US & Canada) (8:42 PM GMT)Last Updated: 2014-10-05T20:55:42Z on 10/5/2014 1:55:42 PM Pacific Daylight Time (8:55 PM GMT) Rendered From:UnknownCoordinates are in the WGS84 datum


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Case 1 - "Burning for You"
|Solve "Burning for You" with any ranking
|First up let's head off to the crime scene, bring up your PDA (using or ) and select it from the locations list. Whenever you want to go somewhere you have to bring up your PDA, so in future I'll just tell to go somewhere and just head to your PDA for the location.
First take a picture of the whole vehicle from the side, just click on the car and it will bring up your camera for you to take the shot. Then click on the windscreen and take another photo of the body.
Look on the ground at the right of the car and examine the shoe print, then click on the small bit of red plastic and use the tweezers to pick it up. Finally, zoom in on the footprint again and take a cast of it.
Now look to your left where there will be a dumpster – next to which is a can, pick that up with the Latex Gloves.
Next up, look at the fence to the right of the car (there's a broken section) and use the gloves again to pick up the piece of blue cloth. Don't just exit the evidence screen though – examine them first and use the tweezers to pick up the Flake that is attached.
On your right there will be a turpentine can next to the fence so pick that up too, then examine it to find a fingerprint (just under the lettering) which you need to use the fingerprint dust and powder on, then lift it with adhesive tape. This is pretty much standard procedure for any fingerprint you find.
Now let's take our stuff back to the Mobile Lab. Use the Trace Analysis Computer and compare the following: Fingerprints from Turpentine Can > LVPD Result B (use the partial print on the upper right square then confirm). Footprint from the Scene > CSI sample D
Then use the chemical analysis machine on all of the things you've found (Gas Can, Blue Jean Cloth and the Turpentine Can).
Head to the Morgue and ask the Doc to recover the body for you. When it turns up, examine it and look at the tattoos. Then ask all available questions to the Doc. When you are done look at the side table to the right and use the gloves to pick up the shirt, examine it further to get the Burnt Paper. Finally ask the Doc about any other items and then head over to the lab.
Use the Trace Analysis Computer again: Victim's fingerprints > LVPD Record A. Then use the Comparison Microscope: Red Plastic > CSI Samples Result B Then use the Chemical Analysis machine on the driver's shirt.
Now you can go to Brass' office and harass him a bit. Ask him every question you can and he will look into golf courses for you. Then you need to head off to ANY location and then come straight back – he will then give you a new location, so head off to the Miniature Golf Course.
Talk to the man and ask him everything (I'm sure you figured that out by now) and you will bring him in for further questioning. Once back at the interrogation room ask him everything AGAIN to get some new leads. Now we can go to the Tribal Leaders House but first go to Brass and ask for a warrant for the golf course.
Talk to Debra and ask everything, she will then let you take the flyer from the fridge. Then ask her anything you didn't already before heading to the Fire Temple.
Look at the turpentine can on the right and then harass our new suspect, ask Liz everything as always and make sure you've covered all of the bases after Brass interrupts as well. When you are done quickly head back to Debra and ask her all of the new questions. Then it's off to the Garage.
Look at the car doors on your right and use the Gloves to grab the Bank Receipt. Then go back to the side of the car and look in the drivers seat. Use the flashlight to find the Matchbook on the floor then examine it – use Ninhydrin to collect the fingerprint on it. Use the flashlight on the lighter on the other seat too and pick that up, using the fingerprint powder and tape to lift the print from it. Then look at the dashboard and pick up the Sat-nav with the gloves. Then exit the car and hop into the back seat, use the flashlight once again to grab the used match then use the Ninhydrin on it to get yet another print. Wasn't that fun? Now its back to the lab.
Use the Trace Analysis Computer: Fingerprint from Matchbook > LVPD Result A.
Partial Print from Used Match > Ed's Fingerprints (bottom left square). Fingerprint from Lighter > FBI Result B (bottom right square).
Then use the Special Search to analyze the Bank Receipt and GPS Device. Now you can head back to Brass' office and ask him everything to get a warrant for Debra's house. But first interrogate Ed again. Ask him everything and you will get a Singed Hair. Go to the lab and use the DNA Database: Flake from Jeans > Hair from Ed.
Now it's back to the Tribal Leaders House. Talk to her first and then you can investigate. Grab the Matchbook by the window and then turn around and head through the open door. Look at the shoes in the closet to your right and then go and ask Debra about them. Then head back to the Fire Temple.
Talk to Liz (yes – ask everything. I'll stop saying that from now on). Then grab the turpentine can on the boxes to your right. Click on the stage, then again on the curtain at the back to go into the room behind. Examine the shoes on the left, and then look at the chest next to the bed. Click on the blue top to move it aside and allow you to grab the Condom (thank god we all have gloves on – WHAT DO YOU MEAN YOU FORGOT THEM?). Use the UV tool firstly and then pick them up with tweezers.
Revolve the condom and use the Swab on the inside AND outside of the condom for two different samples. Then head outside and talk to Liz again to get her DNA. You also get a call about some security footage so head back to the lab.
Use the Trace Analysis Computer to watch the footage and then use the Frame + button 8 times (until you see a blue arm in the cab window) and then Enhance the image. While you are here you can compare the following too using the DNA Database: Swab from Inside of Condom > Singed Hair from Ed. Swab from Outside of Condom > Liz Sunderland's DNA.
Go back to the Fire Temple and grab the blue top you moved last time, examine it and use the Adhesive Mount to get some Singed Fibers from it. Then pop over to the Tribal Leaders house and question Debra to get her DNA. Do the same with Ed in the interrogation room and then head to Brass' office to get a warrant to question Liz. Do so and then head back to the lab.
Use the Comparison Microscope on the Singed Fibers from Poncho to get a questioning warrant available for Debra. You have to go and ask Brass for the warrant of course then ask Debra all the questions you can. This make the search warrant for the Golf Course available so head to Brass and get it – then we can head to the course.
Enter the windmill when you arrive and push the mattress on the floor. Click on one of the golf balls to push it into the hole, then exit the windmill and go down the stairs on the right. Examine the pipe sticking out of the windmill and then go back upstairs and into the windmill. Click on the other golf ball to dislodge the roll of cash – head back downstairs and pick it up. Examine the cash and there will be a hair stuck in the elastic band that you can grab with the tweezers.
Now head off to the lab and use the DNA Database: Hair from Roll of Cash > Victim's DNA. Now go to Brass and get an arrest warrant for Ed. Grill him until he cracks like a pansy. CASE CLOSED
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October 05, 2007
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Normally I use DX Atlas to give me a view of what part of the world I share a given path with – darkness, grayline, etc. Or to tell me when I will. Unlike a lot of DXers, I only have one computer and one monitor in the shack and don't care to add more.…
Tag Archive for Droid
"DX Cluster" app for Droid – updated & improved
• 1 Comment
After upgrading to a new Droid-based smartphone a few days ago I started looking for an app that would monitor DX spots and alert me when the target of interest appeared. As far as I can tell there are two apps available that will monitor DX spots – NKCCluster and DX Cluster. Of those, only…
Droid apps for hams
• 4 Comments
More apps for hams, including a PSK31 encoder/decoder, Morse decoder, Morse trainer, NCDXF beacon indicator and DX Cluster app. I haven't tried any of them but will soon. Here they are. . .


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Village Voice film editor Alan Scherstuhl and L.A. Weekly film critic Amy Nicholson recommend Neighbors (Seth Rogen, Rose Byrne, Zac Efron) and Godzilla (Bryan Cranston, Godzilla) and are joined by special guest, James Beard Award-winning L.A. Weekly restaurant critic Besha Rodell, who discusses the ... More >>
This Better Be for Credit
Tropfest celebrates 20 years
Dear Ladies of the Red Carpet: Where's the shock of the swan dress or the pizzazz of the goth showgirl of yesteryear? Come on, ladies, this is the Oscars, and it's 2012! Why are so many of you million dollar actresses playing the Grace Kelly card? We are fully aware that all of you can't pull off ... More >>
Back in 2009 when Fashion's Night Out launched, Anna Wintour, the brainchild behind the event, aimed to celebrate the fashion industry and its consumers with an all-night party at shops and department stores throughout the city, in an attempt to spruce up retail sales in the wake of the marke ... More >>
Bridesmaids, the Kristen Wiig-penned and Judd Apatow-produced "anti-chick flick," has officially been declared a success. Most reviewers, including our own, seemed to enjoy it. The film beat low expectations and took in nearly $25 million dollars in its opening weekend. This probably means th ... More >>
We will never own one of these. Whee, the 62nd Annual (Primetime!) Emmys have been announced. There aren't that many surprises: As usual, HBO rocks, as does Mad Men, True Blood, 30 Rock, Glee, Neil Patrick Harris, and Tina Fey. Losties may get another chance to see the objects of their affect ... More >>
Sex, drugs, rock 'n' Apatow
Writer-director Karen Moncrieff knows her way around a dead body
Could be verse: Brad Pitt's beefcake Achilles is a heel in a streamlined, digitized Iliad


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Recent Status Updates
can't wait for another offseason of letting go players that play better somewhere else..Signing expensive FA's that don' t play good until after we realease them..and gettting maybe 1 good guy in the draft...LOL
Your still going to watch even if we lose because you love it.Show comments (4)
"He's auditioned long enough," Gruden said of Griffin. "Clock's ticking. He's gotta play. We'll see. . . . We want Robert to excel, we really do. But the last two games, it hasn't been very good, anywhere. We gotta play better around him. And the biggest thing for us as playcallers, and for him, we just have to come together and jell with plays he's comfortable with. That takes time. But we don't have a lot of time."Show comments (5)
A top notch FO with top notch evaluators fulfilling their respective roles properly. Nothing. Else. Matters.Show comments (2)
As Team President Bruce Allen needs to control the outgoing communications and stop RGIII from tweeting. This is becoming a circus
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Local Veterinarians in Your Area
18620 Darnestown Rd, Beallsville , MD 20839
A Wealth of Veterinary Experience at Your Service! At VCA Animal Hospital, we look forward to welcoming you, your dog, cat and other pets. Everyone on our staff believes that the better we get to know your pets, the better we can provide the best possible health care for them. In fact, when you
20924 Frederick Road, Germantown, MD 20876
Banfield is a convenient, affordable and wise choice for all of your Pet's healthcare needs. We take an innovative and caring approach to healthcare that enables us to consistently provide Pets with the same level of care we want for ourselves. In keeping with our commitment to quality, eachview deal
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Taking care of your pet is part of being a responsible pet owner. When it is time for your pet to have a yearly examination or your pet is in need of medical care – trust Jermantown Animal Hospital. Providing you with over 30 years of caring veterinary services. Is bringing your pet to the vet a
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At VCA Animal Hospital, your pet's health is our top priority, provided through high-quality, professional care and genuine personal service. We pledge to instill client trust and confidence that your pet will always receive compassionate, gentle care, as well as the highest standard of veterinary
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The Pender Veterinary Centre is our general practice at Pender, where dogs and cats can receive the best in surgical, routine and diagnostic care from our esteemed team of 27 veterinarians. Whether you're bringing your kitten in for a routine check-up or you're interested in learning more about oral
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Birds, reptiles, guinea pigs, rabbits, rats, snakes and ferrets all come to Pender Exotics Veterinary Centre to receive the best medical care from our team of specially trained technicians and veterinarians. Founded in 1999 as a department of Pender Veterinary Centre, Pender Exotics and its array
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24 hours a day, seven days a week, 365 days a year: The Emergency Centre at Pender offers round-the-clock emergency veterinary services and never closes its doors to your pets when they need urgent medical care. Our onsite pet hospital is outfitted with an exceptional staff of dedicated


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GE Analytical Instruments
based in Boulder, COLORADO (USA)
GE Analytical Instruments, a division of GE Water & Process Technologies is a leading global manufacturer of Total Organic Carbon (TOC) Analyzers. We also offer Boron and Nitric Oxide Analyzers, Oil-on-Water Monitoring Systems, and other water quality measurement instruments through the GE, Sievers, and Leakwise brands. These state-of-the-art instruments are designed and ...
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