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Financial services regulatory reform: Key dates Timelines for major financial regulatory topics. |
Private equity co-investment: Best practices emerging - January 2015 Co-investing is receiving enhanced SEC exam focus. |
G-SIB capital: A look to 2015 - December 2014 G-SIBs face capital requirements approaching 30%. |
First take: Volcker Rule covered fund extension - December 2014 Ten key points from the Fed's Volcker Rule covered funds extension. |
First take: Resolution plan guidance for CIDIs - December 2014 Ten key points from the FDIC's resolution plan guidance. |
First take: Cuba sanctions - December 2014 Key points from the President's announcement on Cuba sanctions. |
First take: Swaps Push-Out - December 2014 Key points from Congress's roll-back of the Swaps Push-Out. |
First take: Reg SCI - December 2014 Ten key points from the SEC's final Reg SCI. |
Asset managers: FSOC stands down, SEC stands up - November 2014 The SEC is poised to enhance its supervision of asset managers. |
Broker-dealers: Countdown to new supervision rules - November 2014 Four new FINRA rules take effect on December 1st. |
First take: TLAC - November 2014 Ten key points from the FSB's TLAC ratio. |
First take: The new Republican Senate - November 2014 Ten key points from last week's elections. |
Operational risk capital: Nowhere to hide - November 2014 Global banks should expect to hold about 50% more capital. |
First take: Basel's final NSFR - November 2014 Ten key points from Basel's final NSFR. |
First take: SIFMU risk management standards - October 2014 Ten key points from the FRB's revised SIFMU risk management standards. |
First take: Risk retention - October 2014 Ten key points from the final risk retention rule. |
First take: CCAR Guidance and final Capital Plan amendments - October 2014 Ten key points from the 2015 CCAR Guidance and final revised Capital Plan rule. |
Recovery planning: Until the last gasp - October 2014 New federal reserve guidance expects plans to cover the full stress continuum. |
First take: Supplementary leverage ratio - September 2014 Key points from the final US supplementary leverage ratio. |
First take: Liquidity coverage ratio - September 2014 Ten key points from the final US liquidity coverage ratio. |
First take: Uncleared margin re-proposal - September 2014 Ten key points from the US prudential regulators' re-proposed uncleared margin rule. |
Risk Governance: Banks back to school - September 2014 The OCC's final rule emphasizes risk governance at the bank level. |
First take: Resolution plan guidance to largest firms - August 2014 Ten key points from regulators' feedback to Wave 1 resolution plan filers. |
Foreign banks: US admission price rising - July 2014 The Fed expects detailed implementation plans from foreign banks. |
First take: SEC's money market reform - July 2014 Ten key points from the SEC's final money market rule. |
US regulatory outlook: The beginning of the end - July 2014 Four years since Dodd-Frank, several key rulemakings remain. |
Mandatory margin on TBAs: TBD, but not for long - July 2014 Margin will soon be required for broker-dealers' To-Be-Announced transactions. |
First take: SEC's cross-border derivatives rule - June 2014 Ten key points from the SEC's final cross-border rule. |
First take: Capital Plan rule - June 2014 Key points from the Fed's changes to the Capital Plan rule. |
SEC sweep: Liquid alternative funds - June 2014 Our perspective on the SEC's upcoming liquid alts review. |
Asset manager SIFI designation: Enter SEC - June 2014 Expect more SEC scrutiny of asset managers. |
Volcker rule clarity: Waiting for Godot - May 2014 While banks continue to wait for regulatory guidance, five key questions need answering. |
Mortgages: What you don't know about "Know Before You Owe" - April 2014 Meeting the challenges of the CFPB's new rule. |
Stress testing: A look into the Fed's black box - April 2014 Making sense of the results from CCAR 2014. |
First take: Basel III large exposures framework - April 2014 Ten key points from Basel's new large exposures framework. |
2014 Resolution Plans: The guidance you won't receive - April 2014 Five suggestions for Category 1 firms deciding whether – and how – to revise their resolution plans before the July 2014 deadline. |
First take: Supplementary leverage ratio - April 2014 Ten key points about the new US supplementary leverage ratio. |
Liquidity coverage ratio: No blood, but sweat and tears - April 2014 Expect changes to the US Liquidity Coverage Ratio when finalized this quarter. |
First take: CCAR stress testing - March 2014 Ten key points from the Fed's 2014 Comprehensive Capital Analysis and Review (CCAR). |
First take: DFAST stress testing - March 2014 Ten key points from the Federal Reserve's 2014 Dodd-Frank Act Stress Test (DFAST). |
EU bonus cap: Restrictions nearly final for asset managers - March 2014 A bonus cap remains off the table for EU asset managers, but bonus restrictions may directly impact US fund managers. |
Sanctions: US and EU action on Ukraine - March 2014 US and EU economic sanctions on Ukraine require action from banks. |
Nonbank SIFIs: No solace for US asset managers - February 2014 A few, large US asset managers continue to be reviewed for designation as nonbank SIFIs. |
First take: Enhanced prudential standards - February 2014 Ten key points from the Fed's enhanced prudential standards final rule. |
Stress testing: First at bat for midsized firms - February 2014 Regulators will scrutinize midsized firms first stress testing submissions this spring. |
Risk governance: OCC codifies risk standards, paving the way for increased enforcement actions - February 2014 The OCC's new risk governance proposal does more than codify heightened expectations. |
Physical commodity activities: Too risky for banking organizations? - January 2014 Regulators are looking closely at new regulations for banks' physical commodity activities. |
EU regulatory outlook - January 2014 Several key European regulatory developments are expected this year. |
Resolution planning: Category 3 debrief - January 2014 The public portion of Category 3 US resolution plans reveal strikingly similar strategies. |
Basel leverage ratio: No cover for US banks - January 2014 The latest Basel leverage ratio eases its approach and eliminates several differences with the US ratio. |
EU bonus cap: Proposed expansion curtailed - December 2013 The EU banker bonus cap goes into effect on January 1, 2014 and will ultimately impact fewer people than previously proposed. |
Derivatives: A first take on cross-border comparability - December 2013 CFTC's comparability determinations bring some clarity to the cross-border compliance table, but several issues remain unaddressed. |
Insurers: Is federal regulation coming? - December 2013 The Federal Insurance Office's report calls for state regulators to speak with one global voice. |
More third-party guidance: When should you just do it yourself? - December 2013 The FRB's third-party guidance differs from the OCC's in some key ways. |
Resolution planning: FDIC's single point of entry - December 2013 The FDIC's proposal contains little new information, but shines light on the outstanding key issues even if only by its silence. |
Volcker Shrugged - December 2013 The final Volcker rule seems manageable – but only if the regulators use their discretion wisely. |
First take: Volcker Rule - December 2013 Ten key points from the final Volcker Rule's trading provisions. |
Derivatives: Regulatory roulette - December 2013 Global entities scrambling to comply with the CFTC's latest cross-border pronouncements wish for regulatory certainty, but the best course of action in the meantime is prudent decision making. |
Managing third-party relationships: It's complicated - November 2013 The OCC's new third-party risk management standards go well beyond its prior issuances. |
Volcker Rule: The day of reckoning is near - November 2013 The next version of the Volcker Rule is coming soon. |
Stress testing: Failures on the horizon? - November 2013 Regulators released capital stress testing guidance that continues to raise the bar for large firms and signals that more failing grades are likely in the future. |
Joint CFPB-State Supervision: No one is below the radar - November 2013 The CFPB-State Supervisory Coordination Framework coordinates federal and state supervision and enforcement activities for entities subject to supervision by both the CFPB and state financial regulators. |
Liquidity coverage ratio: Another brick in the wall - October 2013 The US regulators' Liquidity Coverage Ratio forms one of the key components of the Basel III reform package, and came out much tougher than expected. |
Resolution planning: Bail-in debt rule slowly taking form - October 2013 A bail-in debt proposal is expected from US regulators in the coming months. |
Derivatives: Global discord extends to Asia - October 2013 A third wave of derivatives regulations, now from Asia, is about to impact global entities working to navigate Dodd-Frank and EMIR. |
Resolution planning: A public peek into the plans - October 2013 Regulators released the public sections of the 11 Category 1 firms' annual resolution plans. |
Nonbank SIFIs: Up next, asset managers - October 2013 A few large asset managers may be proposed for SIFI designation by the Financial Stability Oversight Council. |
Derivatives: CFTC shutdown, SEFs open - October 2013 The CFTC grants limited relief for SEFs and market participants just before the October 2nd deadline. |
Systemically important derivatives clearing organizations: The CFTC proposes recovery and wind-down plans - September 2013 The CFTC proposed rules to heighten regulatory standards for systemically important DCOs, which should be viewed in light of two other documents also released in August (by CPSS/IOSCO and by ISDA) focusing on SIDCO recovery and continuity planning. |
EU Bonus Cap: Fewer bankers likely impacted in 2014 - September 2013 The EU banker bonus cap will likely be limited to senior management and certain "material risk takers" upon implementation in 2014. |
Stress testing: Midterm results improved, but it's all about the final - September 2013 Firms release their mid-cycle stress testing results. |
Derivatives: Global convergence becomes global confusion - September 2013 The CFTC offers a road map and timeline for cross border derivatives regulation, but much uncertainty remains. |
Margin on uncleared swaps: Global agreement in theory but not yet in practice - September 2013 The global framework establishing margin requirements for non-centrally cleared swaps is complete. |
Identity Theft Regulation: Are you under the SEC/CFTC microscope? - September 2013 Impacted organizations are beginning to finalize their approach to a joint SEC/CFTC rule for preventing identity theft. |
Broker-dealers: New FOCUS on financial responsibility - September 2013 The SEC finalized two new rules for tightening controls over broker-dealers holding customer funds and securities. |
Stress testing: Getting to credibility – Firms between $10 and $50 billion - August 2013 Analysis of the banking regulators' guidance on the Dodd Frank Act's stress testing requirements for firms between $10 and $50 billion. |
Living wills: Global resolution remains a reach - August 2013 The FSB's latest guidance completes the initial global framework for recovery and resolution planning. |
Basel & prudential standards: US moving faster than world - August 2013 The regulatory timeline for key US rulemakings related to prudential standards and whether other countries will follow suit. |
Credit exposure: Affiliate transaction rule in sight - August 2013 Various provisions of Dodd-Frank require banks to incorporate credit exposures from derivatives and securities financing transactions when calculating prudential limits. |
Systemically important insurers: Global follows US lead - July 2013 On July 18, 2013, the International Association of Insurance Supervisors published a methodology for identifying global systemically important insurers. |
Asset managers: SEC and European regulators agree to share information and cooperate on oversight - July 2013 The SEC and the European Securities and Markets Authority finalized a supervisory cooperation agreement on July 18th to allow regulators to share supervisory information about investment advisers doing business internationally. |
Foreign banks: Hope is not a strategy – Time to act - July 2013 In December 2012, the Federal Reserve published a NPR describing how the Enhanced Prudential Standards under Dodd-Frank would be applied to foreign banking organizations. |
Derivatives: CFTC finalizes cross border guidance and extends timeframe for conformance – July 12th deadline met - July 2013 The Commodity Futures Trading Commission continued its progress this week toward a scheme for regulating global swap transactions. |
Heightened leverage ratio: US regulators unveil next act for regulating large banks – a long way until the end - July 2013 US regulators issued a Notice of Proposed Rule-making calling for a revised Supplementary Leverage Ratio for the eight most systemically significant US banking organizations. |
EU bonus cap: UCITS asset managers narrowly escape bonus limits - July 2013 The European Parliament narrowly voted down rules limiting bonuses for certain asset managers. |
Basel III capital rules finalized by Federal Reserve: But much more to come for the big banks - July 2013 This Regulatory Brief highlights the significant changes to the Basel III capital rule from its original proposal, and for the large banks, place the rule into the wider context of capital regulation yet to come. |
EU bonus cap to take effect January 1, 2014 - July 2013 This Regulatory Brief describes the EU bonus cap which has been moving its way through the EU legislative process as part of CRD IV (implementing Basel III in Europe) for much of this year. |
Money market funds: The SEC's long awaited proposal - July 2013 The SEC recently issued a proposed rule that would fundamentally alter money market fund regulation and disclosure. |
Model risk mitigation and cost reduction through effective documentation - June 2013 This A Closer Look discusses regulatory requirements and leading practices around model documentation, and how high-quality documentation can help mitigate model risk and reduce model-related costs. |
Derivatives: Relief for documenting FX trading relationships? – It's complicated - June 2013 On June 27, 2013, the CFTC provided welcome, if partial, relief from its swap documentation requirements. |
US regulatory outlook: Second half of 2013 – Final enhanced prudential standards and Basel III rules - June 2013 This Regulatory Brief provides the "regulatory scorecard" for 2013 and our view of the Basel III and enhanced prudential standards rulemakings that will occur over the rest of 2013. |
EU's AIFMD: Impact on US Asset Managers – New regime starts July 22nd - June 2013 This Regulatory Brief describes the impact AIFMD will have on US managers and outlines the requirements in chart format in the Appendix. |
Derivatives: Cross-border at the cross roads - June 2013 With less than one month to go before expiration of the Commodity Futures Trading Commission's cross-border relief, anxiety is growing among global derivatives market participants. |
European regulatory outlook - June 2013 This Regulatory Brief provides our view of the main developments to expect in key European regulatory areas. |
Swaps Pushout: FBOs get needed relief – Level playing field for foreign banks - June 2013 On June 5, 2013, the Federal Reserve Board approved an interim final rule (with request for comment by August 4, 2013) on the treatment of uninsured US branches and agencies of foreign banks under section 716 of the Dodd-Frank Act - the so-called Swaps Pushout rule. |
Derivatives: SEFs – Opening bell sounds - June 2013 This Regulatory Brief describes the new regulatory environment for mandatory electronic swaps trading and highlights considerations for the buy-side and sell-side. |
Money market funds: SEC proposes new rules - June 2013 The SEC voted unanimously to propose new rules intended to reform money market funds. |
Nonbank SIFIs: FSOC proposes initial designations – more names to follow - June 2013 On June 3rd, the Financial Stability Oversight Council met in a closed session and voted to provide written notice to three major US nonbank financial companies of the Council's proposal to deem them as systemically important. |
More Scrutiny for Financial Market Utilities - May 2013 During the financial crisis, global regulators recognized that Financial Market Utilities serve a critical role by reducing risk for their participants and counterparts, but as a result they can potentially transmit risk throughout the financial system. |
EU Bonus Cap Update – Cap to Apply More Broadly - May 2013 The European Banking Authority recently approved draft regulations greatly expanding the number of EU bankers that would be impacted by the EU banker bonus cap. |
The evolution of model risk management - May 2013 This A Closer Look discusses what the new model risk management guidance means holistically for banks and provides a high-level roadmap for evolving the model risk management function. |
SEC's Take on Cross-Border Derivatives Rules – Catalyst for global moderation or unwelcome complication? - May 2013 On May 1, 2013, the SEC issued proposed rules and guidance that would apply to cross-border security-based swap transactions. |
CFTC Provides EBC Relief – Saves Prime Brokerage Arrangements - May 2013 This Regulatory Brief describes the relief provided for EBC compliance by firms in prime brokerage arrangements and highlights the practical steps necessary to put this relief into action. |
Resolution Planning – New guidance, more time, no specificity - April 2013 This Regulatory Brief analyzes the new guidance's key points, and offers our view that further written regulatory detail is unlikely to be provided in the near term because of the guidance's link to the Too Big To Fail debate in Washington and because of lack of agreement between the regulators. |
Inter-Affiliate Swaps Clearing Exemption: A trade worth making? - April 2013 On April 1, 2013, the CFTC released a final rule providing an exemption from the clearing requirement for swaps between affiliated entities within a corporate group. |
Collateral damage: Impact of margin for uncleared swaps will not be marginal - April 2013 The drumbeat for global mandatory margin requirements on uncleared swap transactions is quickening. |
EU banker bonus cap is near final – Asset manager cap for UCITS under consideration - March 2013 This Regulatory Brief highlights the key requirements of the EU's asset manager bonus cap proposal. |
Derivatives – Enter EMIR: You're going to need a bigger boat - March 2013 This Regulatory Brief analyzes the key overlaps and differences between EMIR and Dodd-Frank, and suggests where separate effort will be needed to meet EMIR's additional requirements. |
Bonus cap proposal advances in the EU - March 2013 The EU's proposal to cap bankers' bonuses as part of CRDIV – the EU's Basel III implementation – advanced on March 5, 2013. EU Banks should now be planning for the consequences of a January 1, 2014 implementation date. |
Are banks keeping the [good] faith? Changes and more delays expected - March 2013 This Regulatory Brief provides our view of (a) where banks stand right now in preparing for Volcker, (b) the timing of the final rule and what it may look like, (c) the response of foreign regulators, and most important (d) what banks should be doing now. |
Provisional Bonus Cap Added to EU Basel III Implementation Proposal - Major Impact on London and EU Banks Possible - February 2013 EU negotiators on CRDIV – the EU Basel III implementation proposal -- reached a preliminary agreement on February 27, 2013 to include a provision that would limit European bankers' bonuses. |
New Scrutiny of Mutual Fund Fair Value Practices - February 2013 The SEC recently charged eight former directors of a mutual fund with failing to oversee the valuation of portfolio securities. |
Hearing provides insight on regulatory timetable: But uncertainty remains the norm - February 2013 On February 14, 2013, the Senate Banking Committee held the first of what are likely to be many Congressional oversight hearings on the continued implementation of the Dodd-Frank Act during the new 113th Congress. The hearing provided a useful recap of status and more importantly gave us a glimpse into the regulatory timetable. |
Enhanced Internal Audit Standards - February 2013 On January 23, 2013, the Board of Governors of the Federal Reserve System issued the Supplemental Policy Statement on the Internal Audit Function and its Outsourcing to the Officers in Charge of Supervision at each Federal Reserve Bank. |
Dodd-Frank stress testing requirements for mid-sized financial firms: Highlights and insights - February 2013 This Regulatory Brief, highlights the business implications of meeting regulatory expectations for stress testing and capital planning and delves into the large-bank regulatory expectations that are now being applied to other financial companies. |
Good faith – What's your story? New derivatives reports will put it to the test - January 2013 This Regulatory Brief addresses the CFTC's essential elements of good faith and provides guidance for translating them into a robust swap dealer compliance program. |
Basel III liquidity regime - More practical but not yet workable - January 2013 On January 7th, the Basel Committee on Banking Supervision issued a finalized standard on the Liquidity Coverage Ratio ("LCR"), a short-term liquidity measure that considers a 30-day period of liquidity stress. |
Being better informed – January 2015 This month's publication focuses on BCBS reviews standardized credit and market risk, EIOPA releases 16 consultations on Solvency II, and FCA extends regulation of benchmarks. We have two feature articles this month, one looking at ESMA's latest MiFID II consultation and the other on the role of climate change in the FS market. |
2014 FFIEC manual updates – January 2015 A summary of the substantive changes to the 11 sections of the FFIEC manual that received significant updates. |
Top Insurance Industry Issues in 2015 – January 2015 The insurance industry is facing once-in-a-generation disruption. Top Insurance Industry Issues in 2015 discusses the challenges and opportunities confronting insurers, and provides insight on how to adapt to change. |
Being better informed – December 2014 This month's publication focuses on the TLAC proposal for G-SIBS, changes to EMIR reporting requirements, KIDs for PRIIPs, and AIFMD passport for third countries. The feature this month focuses on remuneration regulation. |
CFPB's Integrated Mortgage Disclosures under RESPA/TILA – "Know Before You Owe" – December 2014 A closer look at the likely significant changes to the closing process—changes that will impact the entire mortgage origination ecosystem, including creditors, borrowers, settlement agents and realtors. |
Turning regulatory stress testing into competitive advantage – December 2014 The unprecedented scale of regulatory reform continues to challenge the banking industry. More recently, stress testing has become one of the primary prudential regulatory tools in the drive to enhance the resilience of the banking sector. And this extends well beyond informing required capital levels. |
The role of model review, model risk management and continuous model monitoring – December 2014 In this article we outline our point of view regarding the usage of mathematical models in the financial services industry. |
Blurring the lines between risk and finance to achieve clarity – December 2014 Financial institutions are under pressure from business-unit leaders, investors, boards of directors and their regulators to deliver improved and more transparent performance management data. |
PwC Positioned as a Leader by Gartner for Global Risk Management Consulting Services – December 2014 PwC has been positioned in the leaders quadrant of Gartner's Magic Quadrant for Global Risk Management Consulting Services report. |
Risk Appetite Frameworks: Insights on evolving global practices – December 2014 The International Association of Credit Portfolio Managers ("IACPM") and PricewaterhouseCoopers LLP ("PwC") jointly performed a study to understand industry practices and challenges of developing, implementing, and enhancing risk appetite frameworks. |
Impact of bank structural reforms in Europe – November 2014 This study on the impact of the European Commissions proposals for structural reform of the EU banking sector, was commissioned by the Association of the Financial Markets in Europe (AFME) and it aims to expand the evidence available to policy makers as they consider the further policy development on the requirement for and specification of structural reforms. |
ESMA consults on changes to EMIR transaction reporting rules – November 2014 ESMA is consulting to amend core EMIR reporting rules to improve reporting quality. |
European financial regulation updates: Capital Markets Union, EMIR reporting and the G20 summit – November 2014
Being better informed – November 2014 This month's publication focuses on the results of ECB's stress test, clarifications by EC on the contributions to resolution funds and recommendations by the IAIS on basic capital requirements for G-SIIs. The feature articles look at EMIR reporting and the competition remit of the FCA. |
Regulatory Reform Review: An Asian perspective – November 2014 This publication focuses on the following: The Federal Reserve, FDIC and OCC have finalized a rule to strengthen liquidity positions in large financial companies; an E-Tax Guide to help Singapore FIs comply with FATCA proposed by MOF, MAS and IRAS; updates from the FCA MiFID II Conference 2014 on the implementation of MiFID II requirements; the FSB's study of the feasibility of various options for aggregating OTC derivatives trade repository data; and anticipated challenges arising from the Cross-Border Offering of CIS in Singapore, Thailand and Malaysia. |
European financial regulation updates: EBA's stress test and the ECB's asset quality review – November 2014
European financial regulation updates: Risk governance and bank lending – October 2014
Being better informed – October 2014 This month's feature article focuses on changes to the PRA's approach in supervising international (non-EU) banks – in particular when the PRA will require the bank to establish a UK subsidiary rather than using a branch structure. |
FS Viewpoint - Threat smart: Building a cyber resilient financial institution - October 2014 Cyber risk is more than an IT issue; it's a business issue. This viewpoint helps in finding out how to build a cyber resilient organization. |
How we can help asset managers - October 2014 PwC can help address regulatory compliance issues and manage regulatory risk effectively. Our asset management regulatory team, a part of the firm's national financial services regulatory practice, is comprised of experienced professionals with diverse backgrounds in the asset management industry. |
Adam Gilbert, JP Morgan Head of Regulatory Policy, to join PwC as Global Regulatory Leader – October 2014 We are pleased to announce that Adam Gilbert will join PwC as a partner and Global Regulatory Leader of the Financial Services Advisory Practice. |
Michael Alix, NY Fed SVP, joins PwC as Financial Services Consulting Risk Leader – October 2014 We are pleased to announce that Michael Alix has joined PwC as a partner and Financial Services Consulting Risk Leader. |
Being better informed – September 2014 This publication looks at the role of social media and how firms and regulators need to adapt their processes to generate good customer outcomes. |
CFPB's Integrated Mortgage Disclosures under RESPA/TILA – "Know Before You Owe" - September 2014 Understanding key elements of the new rules and preparing for potential operational and compliance impacts, particularly the new definition of an "application," and its impact to the origination process, including interactions with applicants, borrowers, and business channels. |
CFPB's Proposed Rule Defining Larger Participants in a Market for Auto Finance - September 2014 Who will be a "larger participant" and how should they prepare for CFPB supervision? Exploring how the proposed rule could impact auto lenders and preparing for potential operational and compliance impacts. |
Being better informed – August 2014 In our continuing focus on MiFID II, this publication looks at dealing commissions. For asset managers and investment banks this issue is critical. We also focus on the continuing benchmark reform, where July saw a number of publications looking at how developed these reforms are and how well administrators are performing in their new roles. |
State of compliance 2014: Financial services industry brief – August 2014 Even though the corporate compliance function is better developed in the financial services sector than in other industries it continues to evolve. |
Being better informed – July 2014 This publication focuses on what firms should be doing now for MiFID II, HMT provides clarity on ring-fenced banks and Solvency II steams ahead. |
European financial regulation updates: Systemically important asset managers and protecting client money – July 2014
RiskMinds Americas conference – June 2014 PwC is the lead sponsor of the RiskMinds Americas conference being held in Miami, Florida from June 16 - 20th. |
CBI/PwC Financial Services Survey June 2014 The 99th CBI/PwC FS survey shows that UK FS continue to enjoy an improving outlook, with economic growth stimulating confidence, demand and volumes of business. Most sectors expect to increase their headcount, although banking respondents are considering staffing reductions. |
Being better informed – June 2014 A monthly update on global regulatory issues, this issue includes: publication of MiFID consultation and discussion paper by ESMA, the new Banking Standards Review Council finalization, preparation for Solvency II by EIOPA and PRA and FCA's focus on asset managers' fees. |
Grace Vogel, former FINRA Executive, to join PwC – June 2014 We are pleased to announce that Grace Vogel will join PwC as a senior strategy and policy advisor in our Financial Services Regulatory Practice. |
Regulatory Reform Review: An Asian perspective – May 2014 This publication focuses on the IMF's policy paper on global liquidity and issues for surveillance after the global financial crisis; A write-up on the Declaration on Automatic Exchange of Information in Tax Matters that was recently endorsed during the OECD's annual Ministerial Council Meeting in Paris; The ECB's draft regulation on supervisory fees on all Eurozone banks to recover the cost of supervising them under the Single Supervisory Mechanism; and IOSCO's consultation report on good practices for reducing reliance on CRAs in asset management. |
Meeting the challenges of the crisis in Ukraine – May 2014 The on-going crisis in Ukraine poses a number of challenges for businesses invested in the region. Not least of these issues is the rapid pace of change both on the ground and in the nature and extent of the regulatory responses adopted by the EU and US and the uncertainty which that creates. This paper looks at understanding current and potential exposure to the crisis in Ukraine and how to manage operational and practical issues, such as risk. |
Basel III and beyond - stretched to the limit – May 2014 This publication looks at the challenges presented by the Net Stable Funding Ratio (NSFR), how these interact with other incoming changes and how banks will manage the impact on funding costs, maturity transformation and other fundamental aspects of the business model. |
FS Viewpoint - The future ain't what it used to be – May 2014 Investment banks today have their backs against the wall with cost and regulatory pressures. Read on to learn how shifting operating models can be the game-changing key to success. |
Being better informed – May 2014 A monthly update on global regulatory issues, this month we report on details of the European Parliament's "super Tuesday" where texts for Banking Union, MiFID II, PRIIPs and UCITS V were agreed; EIOPA, EBA and Bank of England reveal more information on this year's stress testing methodology for EU banks and insurers; European Commission consults on what are FX forward transactions; EIOPA and PRA consult on many of the details for Solvency II; and FCA took over regulating consumer credit firms from 1 April. |
SRM - What to expect from Banking Union - May 2014 An overview of Banking Union legislation adopted by the European Parliament on April 15, 2004 including the Single Resolution Mechanism (SRM) and the Bank Recovery and Resolution Directive (BRRD). |
Stress testing: April 2014 temperature check – April 2014 This 'temperature check' of key current topics, follows our stress testing survey published in January. The results are based on six of the eight banks participating in the 2014 Prudential Regulation Authority Concurrent Stress Test and describe the state of play at the end of April 2014. |
Regulatory Reform Review: An Asian perspective – April 2014 This publication focuses on the BCBS' progress report on implementation of the Basel regulatory framework across member jurisdictions; a letter from the Financial Stability Board chair to the G20 Ministers and Governors on financial reforms; BCBS' final standard for calculating regulatory capital for banks' exposures to Central Counterparties (CCPs) and the final report published by the Joint Forum of the BCBS, IAIS and IOSCO on Point of Sale Disclosure in the insurance, banking, and securities sectors. |
Banking Banana Skins 2014 – April 2014 Banking Banana Skins 2014 is sponsored by PwC and conducted by the Centre of the Study of Financial Innovation to explore what risks bankers worldwide are facing in the current climate and how they prioritize them. |
European financial regulation updates: Crowd funding and G20 summits – April 2014
Being better informed – April 2014 A monthly update on global regulatory issues, this month we report on a number of important regulatory developments that will reshape the financial services landscape, including crowdfunding, the FCA's business plan, and EMIR. |
European financial regulation updates: Single Resolution Mechanism and FX market investigations – April 2014
Former SEC Commissioner Troy Paredes joins PwC – April 2014 We are pleased to announce that Troy A. Paredes, former SEC Commissioner, has joined PwC as a senior strategy and policy advisor in our Financial Services Regulatory Practice. |
Regulatory Reform Review: An Asian perspective – March 2014 Featuring ESMA's first report on trends, risks and vulnerabilities, looking at the performance of EU securities markets; a comprehensive section on AML and Financial Crime; BCBS final standards on the standardized approach for measuring counterparty risk exposures; EBA's final guidelines for the calculation of the discount rate for variable remuneration and clarifying how it should be applied; and a keynote address by EIOPA Chairman on the evolution of regulatory standards in insurance worldwide. |
Being better informed – March 2014 A monthly update on global regulatory issues, this month we report on a number of important regulatory developments that will reshape the financial services landscape, including the FCA's finalized conduct of business rules for consumer credit firms and MiFID II. |
Retail Banking 2020: Evolution or Revolution? – March 2014 Insights into the future of the retail banking industry that are important for your actions today, and your plans for the future. |
17th Annual Global CEO Survey: Banking & Capital Markets Industry Summary – February 2014 A summary of key findings in the banking & capital markets industry, based on interviews with 133 banking & capital markets CEOs in 50 countries. |
17th Annual Global CEO Survey: Asset Management Industry Summary – February 2014 A summary of key findings in the asset management sector, based on interviews with 123 asset management CEOs in 37 countries. |
17th Annual Global CEO Survey: Insurance Industry Summary – February 2014 A summary of key findings in the insurance industry, based on interviews with 74 insurance CEOs in 39 countries. |
Asset Management 2020: A Brave New World – February 2014 The asset management industry stands on the edge of a number of fundamental shifts that will shape the future of the industry. This report sets out how the operating landscape for asset managers will change by 2020 and explains how asset managers can prepare for the challenges ahead and turn them into competitive advantages. |
European financial regulation updates: Special issue: Preparing for real change – February 2014
Regulatory Reform Review: An Asian perspective – February 2014 Featuring a special contribution from PwC Singapore's US Regulatory and FATCA Leader, Michael Brevetta, on the OECD's Common Reporting Standards and recent FATCA developments; an excerpt of PwC Singapore's Budget Commentary 2014 and Asset Management 2020: A Brave New World; and updates on the outcomes from the FATF Plenary Meeting in Paris held over 12 to 14 February 2014. |
FDIC Deputy Director for Complex Financial Institutions joins PwC – February 2014 We are pleased to announce that Mary Patricia Azevedo, recent Deputy Director of the FDIC's Office of Complex Financial Institutions, has joined PwC as a managing director in our Financial Services Regulatory Practice. |
The EU's Bank Recovery & Resolution Directive – February 2014 This paper explains why the BRRD is such an important milestone for Europe, within the context of the wider regulatory reforms taking place in the industry, and also highlights controversial and concerning aspects of the deal. |
Being better informed – February 2014 A monthly update on global regulatory issues, the regulatory agenda was a bit quieter in January than in recent months, but international and EU regulators issued some significant proposals to advance the long-running G20 initiatives. |
FDIC Deputy Director for Complex Financial Institutions joins PwC – February 2014 We are pleased to announce that John F. Simonson, recent Deputy Director of the FDIC's Office of Complex Financial Institutions, has joined PwC as a partner in our Financial Services Regulatory Practice. |
Passing the stress test – PwC Survey on regulatory stress testing in banks – January 2014 Regulatory stress testing is moving to the forefront of an ongoing public debate about how banks restore trust and improve their financial health. To assess our client's capabilities in this process we surveyed 24 of the leading financial institutions from 12 different countries across 5 continents to gauge their level of preparedness for the onset of regulatory stress testing. |
Regulatory Reform Review: An Asian perspective – January 2014
Being better informed – January 2014 A monthly update on global regulatory issues, this month we report on a number of important regulatory developments that will reshape the financial services landscape, including the UK's newly minted Banking Reform Act and the US Volcker Rule. |
Anti-Money Laundering: Know Your Customer Quick Reference Guide – January 2014 The Know Your Customer ('KYC') quick reference guide provides easy access to detailed AML and KYC information for 80 different countries. |
Regulatory Reform Review: An Asian perspective – December 2013
European financial regulation updates: M&A activity and bankers pay – December 2013
FS Viewpoint: Hope for the best plan for the worst - A survey of financial institution preparedness – November 2013 This paper discusses the possible affects of the onset of a single supervisory mechanism for the financial institutions within the Eurozone- most of which appear to be in a state of flux, with little guidance on what to expect or how best to prepare. PwC surveyed 30 of the leading financial institutions with operations in Europe to gauge their level of preparedness for a new shock or crisis in the Eurozone. |
Regulatory Reform Review: An Asian perspective – November 2013
European financial regulation updates: Benchmarking, EMIR and Solvency II – November 2013
Capturing Model Risk & Uncertainty in Capital Planning: PwC Survey Results - November 2013 The results of PwC's survey provide an objective view of the range of practices being used to quantify model risk / uncertainty in the capital plans. |
European financial regulation updates: Crowdfunding and MiFID II – October 2013
Regulatory Reform Review: An Asian perspective – October 2013
What is the state of information security in the Financial Services sector? – October 2013 Explore PwC's insight and key findings for the Financial Services sector inside The Global State of Information Security® Survey 2014. |
Regulatory Reform Review: An Asian perspective – September 2013
European financial regulation updates: The G20 summit and shadow banking – September 2013
Sharing deal insights - European Financial Services M&A - Data card, September 2013 – September 2013 This data card from PwC Financial services provides perspectives on recent trends - and future developments - in the M&A market, including analysis of the latest transactions and insights into emerging investment opportunities. |
European financial regulation updates: Don't make a meal of it: EU regulatory negotiations enter crucial stage – September 2013
Regulatory Reform Review: An Asian perspective – August 2013
FS Viewpoint: Let's make a difference: Managing compliance and operational risk in the new environment - August 2013 How can banks manage compliance and operational risk in a changing regulatory landscape? |
European financial regulation updates: Liquidity reporting, EMIR and FICOD – August 2013
European financial regulation updates: Letting banks fail, G-SIIs and risk appetite – July 2013
Regulatory Reform Review: An Asian perspective – July 2013 This series of documents provide updates covering regulatory reforms in the global landscape. Created by our Singapore regulatory team on a monthly basis, we hope you will find this useful in providing insights and our views around the various regulatory reforms impacting your territories. |
Insurance Banana Skins 2013 – July 2013 The July 2013 issue provides readers with a comprehensive map of the G20's July 2013 meeting in Russia and their plans for the year, a write-up on our discussion with Professor Karel Van Hulle, former Head of the EC's Insurance and Pensions Unit, on Solvency II and the future of the insurance industry, an illustrative guide to the effective dates under EMIR and estimated roll-out progression of the law, and a special report by PwC India on simplified norms for foreign portfolio investors. |
European financial regulation updates: Cross-border OTC reforms, AIFMD and bank resolution – July 2013
European financial regulation updates: The leverage ratio, priorities of the Lithuanian Presidency and more – July 2013
Global Private Banking and Wealth Management Survey – July 2013 PwC's 2013 Global Private Banking and Wealth Management Survey offers insight into industry trends and strategic priorities for global wealth and asset managers. |
Swap dealer compliance "day two" roundtable: Highlights and key insights - July 2013 On July 18th PwC hosted an industry roundtable to talk about Dodd-Frank "day two" compliance, that included a discussion with Gary Barnett, CFTC Swaps Division Director. |
Insurance 2020: A quiet revolution - The future of global insurance M&A - July 2013 Insights into recent developments in the global insurance markets and the growth prospects in both emerging and mature economies. |
Conflict minerals survey: How companies are preparing - July 2013 In the spring of 2013, PwC surveyed companies to determine their level of understanding of the conflict minerals rule and their progress towards compliance. The results provide an early benchmark for companies working through their compliance efforts. |
Regulatory Reform Review: An Asian perspective – June 2013 The June 2013 issue marks the official launch of the publication on the global platform, and also acts as a mid-year review for the series. This edition contains a special commentary by PwC Singapore's Asia Financial Services Leader, Dominic Nixon, on regulatory reform, its impact on your business and strategies to consider; our experts' views on what's next for your firm; and a special feature on key regulatory themes with timelines and cross-border comparative analyses. |
European financial regulation updates: Pending EU reforms, CRD IV and credit rating agencies – June 2013
European financial regulation updates: Pending EU reforms, CRD IV and credit rating agencies – June 2013
Regulatory Reform Review: An Asian perspective – May 2013 This series of documents provide updates covering regulatory reforms in the global landscape. Created by our Singapore regulatory team on a monthly basis, we hope you will find this useful in providing insights and our views around the various regulatory reforms impacting your territories. |
Alternative Investment Fund Managers Directive - Impact on US Managers - May 2013 This white paper is intended to inform US asset managers of the possible consequences of AIFMD, and answer some frequently asked questions. |
European financial regulation updates: MiFID, retail bank accounts and valuing CIS – May 2013
European financial regulation updates: CRD IV, financial transaction tax and resolution plans – May 2013
European financial regulation updates: Global systemically important insurers and money market funds – April 2013
European financial regulation updates: The new UK supervisory structure, AIFMD and CRD IV – April 2013
European financial regulation updates: The regulation of non-bank activities and risk management at insurers – March 2013
European financial regulation updates: Bankers' bonuses, the progression of regulatory reforms and MMFs – March 2013
CFPB Mortgage Servicing Standards: Analysis for RESPA (Reg. X) and TILA (Reg, Z) final rules - February 2013 In this joint Point of View from our Consumer Finance & Financial Services Regulatory Group, we provides our insights into key provisions of the new servicing rules both under RESPA and under TILA, including the relationships between the final rules and the rules as proposed. We also provide our perspectives on the operational impacts servicers face integrating compliance with each new provision into their servicing operations. |
CFPB "Ability-to-Repay" standard - January 2013 On January 10, 2013, the CFPB issued its much anticipated final "Ability-to-Repay" rule. Lenders have 12 months to implement the new requirements, which become effective January 10, 2014. To provide some insights as to the Ability-to-Repay rule, we summarize the key provisions of the rule, identify some possible impacts of those provisions; and describe some specific steps lenders can take to successfully adapt to the new rule. |


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So, this happened.
The Giants have started off the second half with a bang, sweeping the non-pesky Astros in a three game series and taking hold of first place over the also non-pesky Dodgers. That would make me happy under any circumstances but since I am heading down to Los Angeles for a family event later this week, it's pretty much put me in full on the-world-is-a-beautiful-place-and-I-love-absolutely-everyone mode. (Sweeping the Astros has upsides and downsides, evidently.) Family event, see, means lots of Dodger fans. Lots of Dodger fans. Dodger fans everywhere. (In addition to a lone Mariners fan, but he's irrelevant.) It is, therefore, of the utmost importance that the Giants hold on to a tidy division lead through my trip there so I can quietly – or non-quietly, as the case may be – gloat.
It sure looks like they will. They're not doing everything or blowing the competition out the water, but they're doing enough of the little things right. They're playing neater baseball and Tim Lincecum came through in a huge way last night, in what might have been a start for his spot. Bochy, in typical Bochy fashion, was oblique about what would have happened if he'd struggled, but he's staved that off, if only for a little while. Hector Sanchez one again proved his affection for walk-off hits and although Melky Cabrera is on paternity leave, the rest of the team actually hit. Enough to score runs. Enough to win games. It's been a pretty fab second half so far.
On Tuesday, East Coast Roadtrip 2.0 will get started, with the Giants hitting Atlanta and Philly. In the visiting-them sense, but also, hopefully, in the hitting-off-of-them sense. Since East Coast Roadtrip 1.0 was pretty much a disaster all around, there's a lot riding on this one. Although there's obviously a while to go until the postseason, pulling ahead in July can big indeed later on. Three in a row is making good things look pretty possible at the moment.
I told you I was spouting optimism. I better go before I start reminiscing fondly of the days when Miguel Tejada and Aaron Rowand peppered the Giants field. I was reminded of them when I experimented with MLB the Show '11 yesterday and played as the Grizzlies against the '11 Giants. Let's just say a Grizzly I'd never heard of took Tim Lincecum deep into the Allegheny River beyond PNC Park. Video games are strange. And no, I'm do not really have fond memories of Miguel Tejada and Aaron Rowand. Not even close. Even this breed of optimism has limits.
Diamond Girl

subset: commoncrawl


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Peter and John imprisoned. (1-4) The apostles boldly testify to Christ. (5-14) Peter and John refuse to be silenced. (15-22) The believers unite in prayer and praise. (23-31) The holy charity of the Christians. (32-37)
Verses 1-4 The apostles preached through Jesus the resurrection from the dead. It includes all the happiness of the future state; this they preached through Jesus Christ, to be had through him only. Miserable is their case, to whom the glory of Christ's kingdom is a grief; for since the glory of that kingdom is everlasting, their grief will be everlasting also. The harmless and useful servants of Christ, like the apostles, have often been troubled for their work of faith and labour of love, when wicked men have escaped. And to this day instances are not wanting, in which reading the Scriptures, social prayer, and religious conversation meet with frowns and checks. But if we obey the precepts of Christ, he will support us.
Verses 5-14 Peter being filled with the Holy Ghost, would have all to understand, that the miracle had been wrought by the name, or power, of Jesus of Nazareth, the Messiah, whom they had crucified; and this confirmed their testimony to his resurrection from the dead, which proved him to be the Messiah. These rulers must either be saved by that Jesus whom they had crucified, or they must perish for ever. The name of Jesus is given to men of every age and nation, as that whereby alone believers are saved from the wrath to come. But when covetousness, pride, or any corrupt passion, rules within, men shut their eyes, and close their hearts, in enmity against the light; considering all as ignorant and unlearned, who desire to know nothing in comparison with Christ crucified. And the followers of Christ should act so that all who converse with them, may take knowledge that they have been with Jesus. That makes them holy, heavenly, spiritual, and cheerful, and raises them above this world.
Verses 15-22 All the care of the rulers is, that the doctrine of Christ spread not among the people, yet they cannot say it is false or dangerous, or of any ill tendency; and they are ashamed to own the true reason; that it testifies against their hypocrisy, wickedness, and tyranny. Those who know how to put a just value upon Christ's promises, know how to put just contempt upon the world's threatenings. The apostles look with concern on perishing souls, and know they cannot escape eternal ruin but by Jesus Christ, therefore they are faithful in warning, and showing the right way. None will enjoy peace of mind, nor act uprightly, till they have learned to guide their conduct by the fixed standard of truth, and not by the shifting opinions and fancies of men. Especially beware of a vain attempt to serve two masters, God and the world; the end will be, you can serve neither fully.
Verses 23-31 Christ's followers do best in company, provided it is their own company. It encourages God's servants, both in doing work, and suffering work, that they serve the God who made all things, and therefore has the disposal of all events; and the Scriptures must be fulfilled. Jesus was anointed to be a Saviour, therefore it was determined he should be a sacrifice, to make atonement for sin. But sin is not the less evil for God's bringing good out of it. In threatening times, our care should not be so much that troubles may be prevented, as that we may go on with cheerfulness and courage in our work and duty. They do not pray, Lord let us go away from our work, now that it is become dangerous, but, Lord, give us thy grace to go on stedfastly in our work, and not to fear the face of man. Those who desire Divine aid and encouragement, may depend upon having them, and they ought to go forth, and go on, in the strength of the Lord God. God gave a sign of acceptance of their prayers. The place was shaken, that their faith might be established and unshaken. God gave them greater degrees of his Spirit; and they were all filled with the Holy Ghost, more than ever; by which they were not only encouraged, but enabled to speak the word of God with boldness. When they find the Lord God help them by his Spirit, they know they shall not be confounded, ( Isaiah 1.7 ) .
Verses 32-37 The disciples loved one another. This was the blessed fruit of Christ's dying precept to his disciples, and his dying prayer for them. Thus it was then, and it will be so again, when the Spirit shall be poured upon us from on high. The doctrine preached was the resurrection of Christ; a matter of fact, which being duly explained, was a summary of all the duties, privileges, and comforts of Christians. There were evident fruits of Christ's grace in all they said and did. They were dead to this world. This was a great evidence of the grace of God in them. They did not take away others' property, but they were indifferent to it. They did not call it their own; because they had, in affection, forsaken all for Christ, and were expecting to be stripped of all for cleaving to him. No marvel that they were of one heart and soul, when they sat so loose to the wealth of this world. In effect, they had all things common; for there was not any among them who lacked, care was taken for their supply. The money was laid at the apostles' feet. Great care ought to be taken in the distribution of public charity, that it be given to such as have need, such as are not able to procure a maintenance for themselves; those who are reduced to want for well-doing, and for the testimony of a good conscience, ought to be provided for. Here is one in particular mentioned, remarkable for this generous charity; it was Barnabas. As one designed to be a preacher of the gospel, he disentangled himself from the affairs of this life. When such dispositions prevail, and are exercised according to the circumstances of the times, the testimony will have very great power upon others.
Acts 4:1-13 . PETER AND JOHN BEFORE THE SAMHEDRIM.
1-12. the captain--of the Levitical guard.
of the temple--annoyed at the disturbance created around it.
and the Sadducees--who "say that there is no resurrection" ( Acts 23:8 ), irritated at the apostles "preaching through (rather, 'in') Jesus the resurrection from the dead"; for the resurrection of Christ, if a fact, effectually overthrew the Sadducean doctrine.
4. the number of the men--or males, exclusive of women; though the word sometimes includes both.
about five thousand--and this in Jerusalem, where the means of detecting the imposture or crushing the fanaticism, if such it had been, were within everyone's reach, and where there was every inducement to sift it to the bottom.
5. their rulers, &c.--This was a regular meeting of the Sanhedrim
6. Annas . . . and Caiaphas--(See on Lu 3:2 ).
John and Alexander--of whom nothing is known.
7. By what power or . . . name have ye done this--thus admitting the reality of the miracle, which afterwards they confess themselves unable to deny ( Acts 4:16 ).
8. Then, filled with the Holy Ghost, said--(See 13:11 , Luke 21:15 ).
10. Be it known unto you . . . and to all the people of Israel--as if emitting a formal judicial testimony to the entire nation through its rulers now convened.
by the name of Jesus,
even by him doth this man stand before you whole--for from Acts 4:14 it appears that the healed man was at that moment before their eyes.
11. This is the stone which was set at naught of you builders, &c.--This application of Psalms 118:22 , already made by our Lord Himself before some of the same "builders" ( Matthew 21:42 ), is here repeated with peculiar propriety after the deed of rejection had been consummated, and the rejected One had, by His exaltation to the right hand of the Majesty on high, become "the head of the corner."
12. Neither is there salvation in any other; for there is none other name under heaven given among men whereby we must be saved--How sublimely does the apostle, in these closing words, shut up these rulers of Israel to Jesus for salvation, and in what universal and emphatic terms does he hold up his Lord as the one Hope of men!
13-17. perceived that they were unlearned and ignorant men--that is, uninstructed in the learning of the Jewish schools, and of the common sort; men in private life, untrained to teaching.
took knowledge of them that they had been with Jesus--recognized them as having been in His company; remembering possibly, that they had seen them with Him [MEYER, BLOOMFIELD, ALFORD]; but, more probably, perceiving in their whole bearing what identified them with Jesus: that is, "We thought we had got rid of Him; but lo! He reappears in these men, and all that troubled us in the Nazarene Himself has yet to be put down in these His disciples." What a testimony to these primitive witnesses! Would that the same could be said of their successors!
16. a notable miracle . . . done by them is manifest to all . . . in Jerusalem; and we cannot deny it--And why should ye wish to deny it, O ye rulers, but that ye hate the light, and will not come to the light lest your deeds should be reproved?
17. But that it spread no further . . . let us straitly--strictly.
threaten . . . that they speak henceforth to no man in this name--Impotent device! Little knew they the fire that was burning in the bones of those heroic disciples.
18-22. Whether it be right . . . to hearken to you more than . . . God, judge ye.
20. For we cannot but speak the things which we have seen and heard--There is here a wonderful union of sober, respectful appeal to the better reason of their judges, and calm, deep determination to abide the consequences of a constrained testimony, which betokens a power above their own resting upon them, according to promise.
21. finding nothing how they might punish them, because of the people--not at a loss for a pretext, but at a loss how to do it so as not to rouse the opposition of the people.
Acts 4:23-37 . PETER AND JOHN DISMISSED FROM THE SAMHEDRIM, REPORT THE PROCEEDINGS TO THE ASSEMBLED DISCIPLES--THEY ENGAGE IN PRAYER--THE ASTONISHING ANSWER AND RESULTS.
23-30. being let go, they went to their own company--Observe the two opposite classes, representing the two interests which were about to come into deadly conflict.
24. they lifted up their voice--the assembled disciples, on hearing Peter's report.
with one accord--the breasts of all present echoing every word of this sublime prayer. Applied to God, the term expresses absolute authority.
God which hast made heaven and earth--against whom, therefore, all creatures are powerless.
25. by the mouth of . . . David--to whom the Jews ascribed the second Psalm, though anonymous; and internal evidence confirms it. David's spirit sees with astonishment "the heathen, the people, the kings and princes of the earth," in deadly combination against the sway of Jehovah and His Anointed (his Messiah, or Christ), and asks "why" it is. This fierce confederacy our praying disciples see in full operation, in the "gathering together of Herod and Pilate, the Gentiles (the Roman authority), and the people of Israel, against God's holy Child ('Servant') Jesus." read, after "were gathered together," "in this city," which probably answers to "upon my holy hill of Zion," in the Psalms 2:6 .
28. thy hand and thy counsel determined . . . to be done--that is, "Thy counsel" determined to be done by "Thy hand."
29. now, Lord, behold their threatenings--Recognizing in the threatenings of the Sanhedrim a declaration of war by the combined powers of the world against their infant cause, they seek not enthusiastically to hide from themselves its critical position, but calmly ask the Lord of heaven and earth to "look upon their threatenings."
that with all boldness they may speak thy word--Rising above self, they ask only fearless courage to testify for their Master, and divine attestation to their testimony by miracles of healing, &c., in His name.
31-37. place was shaken--glorious token of the commotion which the Gospel was to make ( Acts 17:6 ; compare Acts 16:26 ), and the overthrow of all opposing powers in which this was to issue.
they were all filled with the Holy Ghost, and spake, &c.--The Spirit rested upon the entire community, first, in the very way they had asked, so that they "spake the word with boldness" ( Acts 4:29 Acts 4:31 ); next, in melting down all selfishness, and absorbing even the feeling of individuality in an intense and glowing realization of Christian unity. The community of goods was but an outward expression of this, and natural in such circumstances.
33. with great power--effect on men's minds.
great grace was upon them all--The grace of God copiously rested on the whole community.
35. laid . . . at the apostles' feet--sitting, it may be, above the rest. But the expression may be merely derived from that practice, and here meant figuratively.
36. Joses, &c.--This is specified merely as an eminent example of that spirit of generous sacrifice which pervaded all.
son of consolation--no doubt so surnamed from the character of his ministry.
a Levite--who, though as a tribe having no inheritance, might and did acquire property as individuals ( Deuteronomy 18:8 ).
Cyprus--a well-known island in the Mediterranean.


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Material: Polytex Polyester, Polystyrene
Brand: Sitting Bull
Origin: United States
Kids can definitely sack out in these quirky beanbag chairs from Sitting Bull. Patterns include everything from colorful dinosaurs and stripes to polka dots and flowers (we have solid hues too). They're the perfect eye-popping accent piece! We've included some of our favorite kid-friendly wall art in this selection too.


text: Greater Lafayette's Bob Rohrman Subaru has a quality used car inventory of cars, trucks, vans, and SUVs like no other dealer. Our Lafayette used cars go through an extensive inspection before they are availible on the lot. Browse our online inventory below to find the used car or pre-owned vehicle you are looking for and stop by our used car dealership at 1600 S Creasy Lane, Lafayette, IN to take a test drive today! Want to save on a quality used car? Click "GET YOUR ROHRMAN PRICE!" to get a special internet price today!


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Town Hall - Rooms A & B
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1st Session of 2015 Town Meeting
Wed, Feb 04 2015
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1894 Michigan State Census – Eaton County
United States Soldiers of the Civil War Residing in Michigan, June 1, 1894 [ Names within brackets are reported in letters. ] Eaton County Bellevue Township. – Elias Stewart, Frank F. Hughes, Edwin J. Wood, Samuel Van Orman, John D. Conklin, Martin V. Moon. Mitchell Drollett, Levi Evans, William Fisher, William E. Pixley, William Henry


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MOUNT PROSPECT, ILL. — CROWDED with shoppers checking out the new kid in town, the first location for Phoenix-based Fresh Thyme Farmers Market is bringing a familiar format to a new market.
I stopped in for a first look at the retailer, founded by a team including former Sunflower Farmers Market chief executive Chris Sherrell, a week after its grand opening. The layout is what I expected: produce in the back center behind an impressive bulk foods section, flanked by meat and refrigerated/frozen foods.
I know this layout because I shop it at Sprouts Farmers Market weekly and used to shop it at Sunflower Farmers Markets in Austin, Texas. I visited it at Henry's in Carlsbad, Calif., when I met with Andrew McGregor, our 2009 Produce Retailer of the Year.
It's a successful strategy, and other retailers are taking notice. In a recent Wells Fargo study of markets where The Kroger Co., Cincinnati, and Phoenix-based Sprouts compete, Sprouts was the No. 2 produce destination. Sprouts, through the Sunflower and Henry's acquisitions and through organic growth, now has more than 170 stores in the Southwest and is expanding into the Midwest, having opened stores in Oklahoma and Kansas in the past year.
Fresh Thyme has plans for rapid expansion as well. The company said it plans to have 60 stores by 2019, starting in Chicagoland and expanding into Indiana and through the Midwest.
Most of the produce guys I encountered at the store were from Phoenix or the Southwest — all former Sprouts or Sunflower personnel.
Aisles were busy for a pre-lunch crowd, and I was stopped by more than one shopper as I filmed video coverage for our online publications. One told me she was glad for this store in her neighborhood because it saves her a trip to Whole Foods. Another said she was glad to see the shuttered Sports Authority location reopen so soon.
Several people commented on the prices, particularly in produce. Fresh Thyme had some impressive ads, with avocados 4/$1, strawberries for 99 cents for a 1-pound clamshell and mangoes for 3/$1.
Competition in the area included Costco, Aldi, Jewel-Osco, Trader Joe's and a Mariano's Fresh Market, the upscale banner from Milwaukee-based Roundy's Inc. Roundy's has been ramping up openings of this banner over the past year, opening five in the first quarter of 2014 for a total of 21 in the area.
Fresh Thyme plans to open its second location in the nearby suburb of Deerfield June 25.


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Shipping to Canada - Orders shipping to Canada will be subject to a 15% shipping surcharge fee. The shipping surcharge does not cover duties, customs, taxes or brokerage fees which may be charged to you by the shipping courier at time of delivery. At this time we are not shipping to Yukon and the Northwest Territories in Canada.
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Milliken Milliken Design Center Magee Plaid Emerald Lapis Rug
Item #: 12484735406-P Add to Wishlist
This item is made to order and usually ships in approximately
2 -3 weeks.
- Collection: Milliken Design Center
- Brand: Milliken
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- Weave: Machine Made
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- Origin: USA
- Available in the following sizes: 3' 10" x 5' 4", 5' 4" x 7' 8", 7' 8" x 10' 9", 10' 9" x 13' 2", 7' 7" Round, 2' 4" x 11' 8", 2' 4" x 15' 6" and 2' 4" x 23' 2"
I've purchased three of these so far and they hold up extremely well. I love plaid and they are the perfect compliment to my decor.
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RECOMMENDED: Yes, I would recommend this to a friend.The colors in the rug shown are not exactly the ones in the rug I purchased. I purchased the amber and green plaid. It is absolutely stunning. I have the much larger area rug in the same design in my office. Gives it a very cozy look. Just ordered the smaller size for a place for my office chair without having to leave deep marks in the larger rug. If you love scotch plaid, these are the rugs for you!
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Ruffled Hem Ottoman Dress
Style # 210402
Flirty ruffled hemline, ribbed paneling and heavy stretch fabric that holds you in make this bebe day-to-night dress a no-fail must-own. Try it with a statement necklace and a pair of peep toe pumps.
- 86% rayon, 14% spandex
- Center back to hem: 32" (81 cm)
- Invisible zipper
- Dry clean
- Imported
- Model is 5'9" and is wearing a US size S
Ruffled Hem Ottoman Dress
Attractive, curvaceous form, but texture is disappointing!
I bought this dress online the day it came out for the intention of wearing it to my college graduation. I also considered this dress because it's versatile to wear to work as well as going out. I am 5'3" and weigh 115 pounds and the length of the dress came to just above my knee. The description states that this dress is made from a "heavy stretch fabric", but I got to say that I was a little disappointed in the fabric when I got to actually feel its texture. It feels like a waistband material and is rough in texture, so I wasn?t too thrilled about that (if I was able to see it in the store and feel the texture I probably would have walked away from this one#. However, I do like the fit of the dress as it is very form fitting, appealing and accentuates the curves of your body. The ruffled hemline is what makes the dress! And since I would want the most honest review from someone, I am going to be honest here and say that if you have ANY "problematic areas" #in your stomach or hip area) then I wouldn't purchase this dress. I say this because I am a slim woman and it even shows my stomach a little more than I'd like. It doesn't suck you in like it says it's supposed to do. I would recommend the dress because it is cute, but I would be cautious of its form. To everyone: This is the type of dress that you have to try on before ordering. I would recommend trying it on in the store first before buying it. I hope this helps!
March 29, 2013
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As in the Days of the USSR
December 17, 2009 by TMO
By Sara Daniel, Le Nouvel Observateur
Shahnawaz Tanaï, former defense minister for Najibullah's pro-Soviet government, compares the two occupations of Afghanistan.
In the last presidential election, he came in sixth out of 41 candidates. A good showing for a man who was once defense minister to Najibullah, the former pro-Soviet president of Afghanistan, murdered by the Taliban. Shahnawaz Tanai nostalgically evokes the "good old days" of the Soviets, which he seems not to be the only one to miss. According to him, there are many commonalities between NATO's occupation of Afghanistan and the Soviet period. First of all, the Russians, like the Americans, relied on warlords of evil repute in order to take over power. Then Russia, like NATO today, was unable to pacify the country because of the open border with Pakistan, which assured the Mudjahadijn a rear staging base. "In 1985, six years after the beginning of the Soviet invasion, the debates began in Russia, exactly like today in the West, on the legitimacy of the government in place in and on the Soviet Union's economic troubles …The Russian Army's morale was at a nadir and people in Moscow were wondering about the opportunity of sending more soldiers: Brejnev was for, the KGB was against …" In 1988, Najibullah sent his defense minister to Moscow to convince Gorbachev to stay in Afghanistan: "I gave him the advice I could give the Americans today: to envisage the stages of a withdrawal, you must first secure the major axes and the principle cities, Mazar, Herat, Kabul, and give the army logistical support." Najibullah's former minister remembers a meeting between Najibullah and Fidel Castro: "Castro advised Najibullah to appear less dependent on Gorbachev. Karzai should also put some distance between himself and the Americans …"


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Good News Day Camps
Monday, July 08, 2013, 9:30 AM - Friday, July 12, 2013, 3:00 PM
For directions click the following link: Nauvoo Community Building
Child Evangelism Fellowship of Tioga County is hosting a Good News Camp at Nauvoo Community Building in Morris for children ages 6-12 Monday-Friday, July 8th-12th from 9:30am-3pm. Cost is $25, transportation provided. For more information call 570-724-4591.


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Meg Ryan Hits the Beach
The full, fabulous story on the movie star's personal beach retreat
By Ingrid Abramovitch
With her tousled blond hair, twinkly blue eyes, and megawatt smile, Meg Ryan has forged an onscreen persona as the screwball leading lady whose warmth can melt an iceberg. Picture Ryan at home and one might expect to find her surrounded by bright colors and perky patterns.
But Ryan has a more serious side, which is evident the moment one steps into her Marthas Vineyard home. The house is one of many she has lived in and furnished since early adulthood, as her acting career has taken her from place to place. I feel like Ive been renovating houses my whole life, she says. Ive renovated apartments, lofts, a log cabin in Montanajust tons and tons of places. Im constantly ripping pages out of magazines in search of inspiration. Ive found ideas everywhere, from a friends kitchen to a hotel lobby.


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Technical Papers and Presentations
Transport, Growth, Decay and Sorption of Microorganisms and Nutrients through Porous Media: A Simulation with COMSOL
D. Lopez-Falcon, M. Diaz-Viera, and A. Ortiz-Tapia
Instituto Mexicano del Petroleo, México D.F., Mexico
Transport of microorganisms through porous media governs many phenomena in bioremediation of environmental pollution problems and microbial enhanced oil recovery. The aim of this work is to investigate the effects of some transport parameters on breakthrough curves as well as on spatial distribution of components transported through a porous medium by a fluid phase. Using COMSOL Multiphysics and ...
Simulation of Geomechanical Reservoir Behavior during SAGD Process Using COMSOL Multiphysics®
X. Gong[1], R. Wan[1]
[1]University of Calgary, Calgary, AB, Canada
THM (Thermo-Hydro-Mechanical) behavior of the reservoir during SAGD (Steam-Assistant-Gravity-Drainage) was studied through a proper constitutive modeling of the porous media. Specifically, a generalized density-stress-fabric dependent elasto-plastic model with stress-dilatancy and plastic damage as main ingredients was implemented into COMSOL Multiphysics®, to model geomechanical behavior during ...
Developments in a Coupled Thermal-Hydraulic-Chemical-Geomechanical Model for Soil and Concrete
S.C. Seetharam[1], D. Jacques[1]
[1]Performance Assessments Unit, Institute for Environment, Health and Safety, Belgian Nuclear Research Centre (SCK•CEN), Mol, Belgium
This paper documents current status in the development of a coupled thermal-hydraulic-chemical-geomechanical numerical suite within COMSOL-MATLAB environment to address soil and concrete applications. The mathematical formulations are based on well-established continuum scale models unifying mass conservation, energy conservation, charge conservation, thermodynamic equilibrium and kinetics and ...
Fracture-Matrix Flow Partitioning and Cross Flow: Numerical Modeling of Laboratory Fractured Core Flood
R. Sanaee[1], G.F. Oluyemi[1], M. Hossain[1], B.M. Oyeneyin[1]
[1]Robert Gordon University, Aberdeen, United Kingdom
The contrast between hydro-mechanical behavior of the rock matrix and fracture network systems results in flow partitioning between fracture and matrix systems which is affected by the In-situ stress regime. Fracture flow, Darcy law and free and porous media flow physics interfaces of COMSOL were used in simulating a fractured core flooding test to achieve a better understanding of flow ...
Investigation of Hydraulic Fracture Re-Orientation Effects in Tight Gas Reservoirs
B. Hagemann[1], J. Wegner[1], L. Ganzer[1]
[1]Clausthal University of Technology, Clausthal-Zellerfeld, Germany
In tight gas formations where the low matrix permeability prevents successful and economic production rates, hydraulic fracturing is required to produce a well at economic rates. As production from the well and its initial fracture declines, re-fracturing treatments are required to accelerate recovery. The orientation of the following hydraulic fracture depends on the actual stress-state of the ...
Application of the Focused Impedance Method (FIM) to Determine the Volume of an Object within a Volume Conductor
M. A. Kadir[1], S. P. Ahmed[2], G. D. Al Quaderi[3], R. Rahman[2], K. Siddique-e Rabbani[1]
[1]Department of Biomedical Physics & Technology, University of Dhaka, Dhaka, Bangladesh
[2]Department of Physics, Jahangirnagar University, Savar, Dhaka, Bangladesh
[3]Department of Physics, University of Dhaka, Dhaka, Bangladesh
Focused Impedance Method (FIM), a new technique of electrical impedance measurement having high sensitivity in the central region, can sense the change in transfer impedance of an object embedded at a shallow depth within a volume conductor of unchanging background conductivity, using electrodes at the surface. This paper presents a new method for measuring the volume of such an embedded object ...
Poroelasticity Benchmarking for FEM on Analytical Solutions
E. Holzbecher[1]
[1]Georg-August Universität Göttingen, Göttingen, Germany
We examine the poroelastics mode, which couples hydraulics and mechanics by some basic benchmarks. For cases with analytical solutions we check the accuracy for changing meshes and calculate the convergence rate.
Aquifer Physics Modes for Hydrogeological Modeling – an Application of the COMSOL Physics Builder
E. Holzbecher[1]
[1]Georg-August Universität Göttingen, Göttingen, Germany
Although there are porous media and subsurface flow modes available in a toolbox of COMSOL Multiphysics®, some common requirements in hydrogeological models can not be easily accessed in the graphical user interface. Most crucially, there is no distinction between confined and unconfined situations for permeable layers, so called aquifers. Using the Physics Builder for such distinctions aquifer ...
Simulation of Ground Heat Exchanger for Cryogenic Applications
F. Bergeron[1], P. Pasquier[1]
[1]École Polytechnique de Montréal, Montréal, QC, Canada
Ground freezing techniques using liquid nitrogen are commonly used in order to increase the mechanical properties of the soils. This article presents a new ground heat exchanger using aluminum to increase the effective radius of the heat exchanger. Simulation results indicate that the current design generates a significant thermal short-circuit between the circulation pipes that must be ...
Modelling Reservoir Stimulation in Enhanced Geothermal Systems
G. Perillo[1], G. De Natale[2], M.G. Di Giuseppe[2], A. Troiano[2], C. Troise[2]
[1]University of Naples Parthenope, Italy
[2]INGV - Osservatorio Vesuviano, Naples, Italy
Fluid injection in deep wells is a basic procedure in geothermal permeability enhancement. The retrieved changes of Pressure and Temperature are subsequently considered as sources of incremental stress and strain changes, using the elastic model from COMSOL Multiphysics®, which are then converted to Coulomb stress changes on favoured faults, taking into account also the background regional ...


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Denial of Service (DoS) Attack Prevention-Detection and Analysis
Denial of service
Denial of Service (DoS) Attack Prevention-Detection and Analysis News
June 25, 2014
Enterprises fix NTP amplification, but many DDoS techniques remain
NTP amplification had led to several recent massive DDoS attacks. Despite the good news, researchers say many other DDoS techniques remain unfixed.
April 29, 2014
DDoS trends: Attackers vary DDoS size to cloak other attacks
A new report indicated malicious actors are hiding behind DDoS attacks, successfully installing malware and stealing sensitive data undetected.
April 03, 2014
NTP-based DDoS attacks on the rise, but SYN floods still more perilous
NTP-based DDoS attacks are increasing, but a report warns that SYN floods are still more likely to cause enterprises damage.
January 29, 2014
DNS amplification, application-layer attacks drive DDoS attack trends
Data from Arbor Networks shows an increase in DNS amplification attacks and application-layer DDoS attacks.
Denial of Service (DoS) Attack Prevention-Detection and Analysis Get Started
Bring yourself up to speed with our introductory content
Security School: Distributed denial-of-service attack defense
Check you're up to speed and ready to protect your organization from the threat of denial of service attacks. Continue Reading
Don't get spoofed by distributed denial-of-service attacks
Distributed denial-of-service attacks continue to use spoofing. But there are means to stop the practice. Continue Reading
DNS amplification attack
A DNS amplification attack is a reflection-based distributed denial of service (DDos) attack. The attacker spoofs look-up requests to DNS servers to hide the source of the exploit and direct the response to the target. Through various techniques, ... Continue Reading
Evaluate Denial of Service (DoS) Attack Prevention-Detection and Analysis Vendors & Products
Weigh the pros and cons of technologies, products and projects you are considering.
Security Readers' Choice Awards 2014: Denial of service protection
Readers pick the top DoS protection products of 2014. Continue Reading
Defense is the best offense for preventing DoS attacks
Expert Michael Cobb discusses how developing a response plan in conjunction with service providers can help enterprises better thwart DoS attacks. Continue Reading
How ISP services can improve enterprise cybersecurity
Uncover which ISP services enterprises should seek from their providers to improve cybersecurity and mitigate cyberattacks. Continue Reading
Product Reviews
Powered by IT Central Station-
The FortiGate security appliances. UTM security in a single device, good administrative interface and performances.
Powered by IT Central StationFirst things first Talking about FortiGate from Fortinet we are talking about a family of UTM (Unified Threat Management) appliances. This...Continue Reading
For price criteria, Fortinet wins over competitors. That being said, certain areas of the product need improvement
Powered by IT Central StationValuable Features:

Performances

VDOM

UTM

Consolidated...Continue Reading
Using Cisco ASA CX Firewall To Protect Your Network
Powered by IT Central StationCisco ASA has better application granularity, a more flexible means of policy creation, and easier to use controls and more powerful reports ...Continue Reading
Manage Denial of Service (DoS) Attack Prevention-Detection and Analysis
Learn to apply best practices and optimize your operations.
IPv6 extension headers and security: Analyzing the risk
IPv6 security expert Fernando Gont explains why IPv6 extension headers can inadvertently subvert security controls or foster denial-of-service conditions. Continue Reading
How to reduce the chances of distributed denial-of-service attacks
Distributed denial-of-service attacks are increasingly a menace for enterprises. Expert Michael Cobb discusses industry initiatives that can help enterprises reduce the occurrence and power of DDoS attacks. Continue Reading
The truth about distributed denial-of-service attack prevention
Can determined attackers be prevented from launching a distributed denial-of-service attack against an enterprise? In this Q&A, expert Michael Cobb discusses the reality of attack prevention and offers best practices for thwarting attacks. Continue Reading
Problem Solve Denial of Service (DoS) Attack Prevention-Detection and Analysis Issues
We've gathered up expert advice and tips from professionals like you so that the answers you need are always available.
How to respond to the latest distributed denial-of-service attacks
All indications show that DDoS attacks are increasing in variety, number and size. No network system is immune and information security pros can't put off learning about the threat and means available for defense. Fortunately, techniques and ... Continue Reading
Preparing your system for telephony denial-of-service attacks
Can your organization's telephony system survive a telephony denial-of-service attack? Expert Brad Casey provides pointers for TDoS survival success. Continue Reading
Mega-DDoS attack prevention: How to prepare for larger DDoS attacks
Enterprises face increasing risks from mega-DDoS attacks. Expert Brad Casey provides advice on high-bandwidth DDoS attack prevention. Continue Reading


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Welcome, we're here to help.
Resources, tips and tools to build a stronger Texas workforce.
On this page:
Internet service is generally faster than calling an unemployment benefits Tele-Center.
To speak with a customer service representative, call an unemployment benefits Tele-Center. Business hours are Monday - Friday, 8:00 a.m. to 6:00 p.m. Central Time.
Call: 800-939-6631
To request payment for weeks of unemployment, get payment information or the status of your claim, get general information about unemployment benefits, and establish or change your PIN, call Tele-Serv, TWC's automated telephone system. Claim status and payment request options are available daily, 7:00 a.m. to 6:00 p.m. Central Time. General information is available anytime.
Call: 800-558-8321
To request information on how to repay the unemployment benefits you were not eligible to receive, contact the Benefit Overpayment Collections Unit Monday through Friday, 8:00 a.m. to 5:00 p.m. Central Time.
Call: 512-936-3338
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Deaf, hard-of-hearing or speech-impaired customers may contact Relay Texas: 800-735-2989 (TTY) and 711 (Voice). Equal opportunity is the law.
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The Office of Human Resources provides professional and technical support in personnel management to The University of Tulsa, and Gilcrease Museum.
Home › Offices and Services › Human Resources
The University of Tulsa offers exciting career opportunities in a broad range of fields. You may view the list of available positions or submit an application.
The Office of Human Resources strives to provide an excellent working environment for all employees and to act as an employee advocate.
Our role is to design, develop, and implement a comprehensive human resources program to serve the University community and attract, reward and retain high-quality faculty and staff.
On a daily basis, the Office of Human Resources is responsible for the ongoing planning, development and administration of programs, policies and procedures related to faculty and staff; employment; compensation; benefits; safety; employee/employer relations; affirmative action; health and wellness; employee training and development; productivity improvement; and organizational design.
Human Resources is located on the first floor of the Fisher Hall. Our office is open from 8:00 a.m. to 5:00 p.m., Monday through Friday.
Office of Human Resources and Risk ManagementFisher Hall EastPH: (918) 631-2259FAX: (918) 631-3543


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Looking for someone or community? Search our Global Directory.
Editor's Note: While it is our website's goal to focus specifically on spirituality and theology, there are topics in the economic and political realm that go hand-in-hand with our site's mission of being a sanctuary for enlightened …
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Swirl Wine Racks
No longer available
Create a sculptural display of your favorite wines while making the most of empty wall space with these gracefully styled racks. Choose from three different sizes, or use them all together to store a generous collection.
Small: 16.5" wide x 6.5" deep x 5" high; holds 2 bottles
Medium: 13.25" wide x 7" deep x 17" high; holds 4 bottles
Large: 27" wide x 7.25" deep x 11.75" high; holds 4 bottles
Made of iron.
Mounting hardware included.


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LeoVince Exhaust has been making exhaust pipes since 1954. A subdivision of the largest powersports exhaust manufacturer in Europe, Sito Gruppo Industriale, Leo Vince Exhaust Systems utilize the most modern technologies available to produce a great selection of high-performance products. Leo Vince has proven itself to be an industry leader for over fifty years, and is sure to continue to do so.
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In our last preview of Legends of Andor, a cooperative adventure board game for two to four players, we examined how the heroes and monsters of the realm traverse the land of Andor. In this preview, we'll take a look at the heroes that will work to save the day and the treasures and tools they'll use to fend off the monsters!
Becoming a Hero of Legend
As the heroes traverse the land of Andor, defeating monsters and exploring the foggy forest, they will need to be ready to face whatever challenges come their way. An adventurer needs a strong arm and an iron will in order to save the kingdom.
Whether a hero's power lies in potent spells or a sturdy sword-arm, a character's strength points factor directly into the outcome of combat. We'll look at combat in depth in our next preview, but be assured that a higher strength value means a better chance to best foul beasts.
Strength isn't everything in the quest to save the realm, and the success of the heroes' quests may depend on sheer force of will. A character's willpower points serve two purposes, willpower represents the health of your character and can be worn down by losing combat or continuing your turn after nightfall. A character with a strong will also gains more dice to use in combat. While each hero begins the game with one strength point and seven willpower points, heroes can increase these values to become stronger and more durable.
The warrior "Thorn" with his starting willpower and strength values. Note the empty spaces on the character portrait for equipping new items.
Heroes refresh and reinforce their spirits by stopping in a space with a well and partaking of the cool, clear well water. A single use empties a well, and gives your character an additional three willpower points, up to a maximum of twenty. Wells refresh at the start of each new day, so a wise adventurer will drink up when he gets the chance.
The archer empties a well, granting her three additional willpower points. The well will not become active again until the next day dawns.
In order to increase a hero's strength, he must find one of the few merchants that remain in the wilds of Andor during this time of trouble. The merchants of Andor can sell a hero a combat training regimen that will increase his strength by one point for two gold. Players should take care to spend their money wisely, however. Merchants offer a whole host of goods other than a bit of extra muscle.
Players may spend two gold to acquire any equipment or items that the merchant offers. Grab a wineskin to move without spending an hour, equip a bow to gain the ability to attack monsters in adjacent spaces, or purchase a falcon to carry helpful items to your fellow adventurers.
Exploring the Realm of Andor
Merchants are not the only way that heroes can acquire items to boost their chances of defeating the monster horde. The foggy forests of Andor hide all manner of surprises. The brave adventurer who ventures into the mist may find himself face to face with a gor, forcing him to engage the beast. The forest, however, is not filled with threats alone. Players may find rewards in the form of gold, extra strength points, a spare wineskin, or a boost to a hero's willpower.
The heroes are not alone in the mysterious and misty woods. The elusive witch wanders the woods, collecting ingredients for her potent witch's brew! If the heroes find the witch, they can purchase her potent potion. The mystical concoction doubles the result of one die when a hero takes a sip, giving the character a big boost in combat.
Ancient artifacts scattered throughout the realm also lend their power to the heroes. In some legends, the heroes can seek out and gather various colored rune stones. If a player collects three different-colored rune stones, then he may roll the powerful black die in place of one of his usual dice. As we'll see in our next preview, the black die has much higher number values on it, giving a hero the upper hand in battle.
Unique Heroes Create Many Ways to Play
An adventurer can collect and use any of these treasures, but no two heroes are created equal. Each character comes with his or her own special ability, allowing players to contribute to the quest using different skills.
Thorn, the Warrior of the Reeded Lands, is a resilient fighter and gains five willpower points, rather than three, from emptying wells. Kram the Dwarf receives a discount on strength points if he's purchasing them from the merchant that has set up shop in the entrance to the underground labyrinth of his homeland in the mines. The wizard Eara has spent long years in study of arcane forces, and her incredible focus increases her chance of striking an enemy with her powerful spells. During battle, Eara may flip any one of her dice over and use the value on the opposite side of the die to determine her combat value. This allows Eara to turn a roll of one to a six or a two to a five, for example. Finally, Chada, the Archer of the Watchful Forest, will always receive a discount on the witch's brew, and can use her bow to attack monsters in adjacent spaces!
Each hero has a crucial role in the struggle to save Andor from the monsters swarming toward the castle! In our next preview, we'll present the particulars of combat and talk about what it takes to win the day in Legends of Andor!