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Comfrey - Plant
( 0 times booked in last 90 days )
The pack contains 5 bulbs each of
- Gladiolus bulbs
- Rajanigandha bulbs
- Zephyranthes bulbs
*Use coupon : FMTFRG
-High Quality 8 inch Plastic Pot with each plant.
-Offer Valid on orders with 3 or more Plants
Common name: Symphytum officinale
Color: white, cream, purple or pink flowers
Bloom time: May to June
Height: 1.00 to 3.00 feet
Difficulty level: easy to grow
Planting & Care
Comfrey has very deep roots that transport nutrients from the soil to the leaves, making them rich in nitrogen, potassium and phosphorus. So the comfrey leaves are very good for making homegrown fertilizer.
Sunlight: Full sun to part shade
Soil: well-drained soil
Water: Medium
Temprature: -40° F
Fertilizer: Apply any organic fertilizer
- Mature comfrey plants can be cut several times each season, prompting some to plant comfrey patches in proximity to compost heaps to take full advantage of comfrey's use as an excellent compost activator.
Adding leaves of the comfrey plant to a compost heap gives the compost added nitrogen, resulting in increased microbial decomposition of the compost.
- The addition of too much comfrey will result in an imbalance in the carbon: nitrogen of the compost, and can actually slow the decomposition rate.
Special Feature:
Herb gardens. Naturalize in woodland gardens, open shade gardens, cottage gardens or wildflower gardens/meadows where plants can form attractive colonies over time. Also may be grown in large containers.
Medicinal use:
- The herb contains allantoin, a cell proliferant that speeds up the natural replacement of body cells.
- Comfrey was used to treat a wide variety of ailments ranging from bronchial problems, broken bones, sprains, arthritis, gastric and varicose ulcers, severe burns, acne and other skin conditions.
- It was reputed to have bone and teeth building properties in children, and have value in treating many female disorders .
Ornamental use:
- The plant is used for ornamental purpose
for medicinal use, please consult appropriate doctor before use.
You may also need below items with plants
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Buy ready to use nutrient rich soil:
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In general use a soil-based compost placed over a generous layer of drainage material such as earthenware crocks, pebbles or gravel. Water and feed regularly, especially while plants are bearing flowers and fruit, when a high-potash fertilizer is recommended.
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Using pebbles in a garden brings different colours and textures to the garden. Pebbles can also fill up otherwise empty space in the garden, leaving a visual that might be considered more interesting and aesthetic than simple dirt, soil or mulch.


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"Take in some sea air & have a walk" Isla de Tenerife Things to Do Tip by scottishvisitor
Isla de Tenerife Things to Do: 625 reviews and 954 photos
Walking along the prominade in Peurto de la Cruz is an enjoyable way to spend some time.
No one there just local kids playing with skate boards.
Address: Sea front
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subset: commoncrawl


text:
Seamless Pipe Certificate Apply Cold - Chinaprice: contact company for price
authentication. With the standard:ASTM, JIS, DIN, GB, BS, EN etc.
Certificate: ABS, GL, BV, NK, KR, CCS, DNV, LR. Specification: OD10MM-
Seamless Pipe
For any questions and needs please contact us below
Company Contact:
- Posted By: Jiangsu Jieda Specific New Material CO.,LTD
- Phone: 8615852615524
- Address: No.388 West Renmin Road,Jiangyin City,Jiangsu Prov, Jiangyin, China
- Email:
- Website: http://www.jsjieda.com
Published date: September 7, 2012 -
- Business Description: Main products of the company are special shaped steel tube, cold draw precision tube, cold draw shaped tube and automobile parts. And our special shaped new materials enjoys advantage in light nature, high strength, super low temperature, impact enduring, longevity, anti erosion and easy jointing. Our products applies to the manufacture of cars, trucks, buses, special automobiles, agricultural machines, high speed trains, spaceflight launcher, aviation, shipbuilding, petroleum platform, petroleum land platform, iron tower, bridges, large scale steel frame, port machine, textile machine, power plant, mining and chemistry. And we have diversified our products from more 10 kinds to more than 5000 kinds. Moreover, we have established sales markets in dozens of countries. We are a leading player in the industry in terms of technology, quality and market share. From year 2000, we have witnessed an annual 50% increase in our sales volume and we are becoming more and more trust worthy to our customers.
Our company culture is to be honest in both work and life, to refresh our concept, technology and management style and to build a long lasting enterprise.
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stainless steel helagon tube Stainless Steel Helagon Tube Please see our contact information below
We Supply Din 2391 En 10305 1 Hydraulic Steel TubingPipes / Tubing - Steel - Jiangyin Sundream Precision Steel Tube Co.,ltd - China - September 6, 2012 - contact company for price
Jiangyin Sundream Precision Steel Tube Co., Limited covers an area more than 40000m2, with annual output 15000tons hydraulic precision steel tubing . Main products we supply here is cold drawn/rolled seamless steel tubing, hydraulic phosphate tubing ...
Erw Steel Piling PipePipes / Tubing - Steel - Threeway Steel International Co., Ltd - China - September 6, 2012 - contact company for price
Quality Standard: ERW HFI , EFW, LSAW, DSAW:: GB/T3091 Welded steel pipe for low pressure liquid delivery GB/T9711 Petroleum and natural gas industries- Steel pipe for pipelines ASTM A53 Standard Specification for Pipe, Steel, Black and Hot-Dipped, Z...
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text:
Event Archive - Brickhouse 117th Annual Blues Cruise: Brickhouse
Sun. July 6th 2008 1pm - 5pm doors at 12pm @ M.V. Queen of Diamonds (No Minors) 1pm - 5pm doors at 12pm
Tickets at: The Yale Hotel, Any Brickhouse show
It's getting closer...The Blues Cruise of the Summer...Don't miss out 'cause it's the only one this year. Boarding time: 12pm Cruise: 1-5pm Plaza of Nations Marina (750 Pacific Blvd). For more info, visit http://www.brickhousetheband.com
original party blue/funk...don't it make you feel good? more info[Upload Show Photos] // [Add Video] // [Upload Poster]


text:
I saw my midwife yesterday. She said the tissue I passed was definitely not from my placenta, it was completely intact when it came out. She said sometimes a second placenta can form that doesn't do anything and this was probably that. Since I'm still bleeding she gave me a script for methergan, which will make my uterus contract more. She said no dtd for 10 days after I'm done bleeding. I have to be on the med for 3 days and shouldn't bleed more than a week after that.
My 6 week PP check up
4 posts / 0 new
Wed, 11/09/2011 - 09:34#1
My 6 week PP check up
Wed, 11/09/2011 - 09:47#2
I hope this does the trick for you!
Wed, 11/09/2011 - 14:07#3
Hope the med works.
Thu, 11/10/2011 - 13:15#4
I had to take that medication after I had Brandon. It caused some pretty crazy cramps but it did what it was supposed to do. Hope the medication works and the bleeding stops.


text:
transgene biotek ltd
(526139:Bombay Stock Exchange)
BOARD MEMBERS AFFILIATED WITH Seyed Ehtesham Hasnain Ph.D.,FNA,FASc,FNASc,FIWAS,D.Sc.h.c.,D.Med.Sc.h.c*
Non-Independent & Non-Executive Director
The information and data displayed in this profile are created and managed by S&P Global Market Intelligence, a division of S&P Global. Bloomberg.com does not create or control the content. For inquiries, please contact S&P Global Market Intelligence directly by clicking here.
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Our data partners will research the update request and update the information on this page if necessary. Research and follow-up could take several weeks. If you have questions, you can contact them at email@example.com.


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Basque Style Turkey Tenderloins
|Olive oil
|1 Tablespoon
|Dried basil leaves
|1 Teaspoon
|2 Clove (10 gm), minced
|Condensed french onion soup
|10 1⁄2 Ounce (1 Can)
|White wine
|1⁄4 Cup (4 tbs)
|Turkey tenderloins
|2 Pound, diagonally sliced 1/2 inch thick
|Pitted prunes
|1⁄2 Cup (8 tbs)
|Dried apricots
|1⁄2 Cup (8 tbs)
In 10-inch square casserole, combine olive oil, basil and garlic.
Microwave at High for 1 minute.
Stir in soup and wine.
Add turkey, prunes and apricots, stirring to coat.
Microwave at 70% (Medium High) for 18 to 22 minutes, or until turkey is cooked through and no longer pink, stirring twice.
Remove turkey and fruit with slotted spoon to platter.
Recipe Summary
Rate It
Nutrition Rank
Nutrition Facts
Serving size: Complete recipe
Calories 1725 Calories from Fat 449
% Daily Value*
Total Fat 47 g72.5%
Saturated Fat 7.7 g38.3%
Trans Fat 0 g
Cholesterol 411.9 mg137.3%
Sodium 7749.3 mg322.9%
Total Carbohydrates 148 g49.2%
Dietary Fiber 15.7 g62.8%
Sugars 78.3 g
Protein 178 g356.9%
Vitamin A 77.4% Vitamin C 28.9%
Calcium 37.3% Iron 72%
*Based on a 2000 Calorie diet


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Candid Street - Exclusive photos of young sexy girls shot with candid camera at the streets of different cities of the world, which you haven't seen before. Very hot, sexy and attractive photos & videos.
Erotic candid asses (13 pics)
Sexy girl wears orange tights (13 pics)
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Karla getting naked on the beach (20 pics)
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Tara takes off panties in the park (15 pics)
Blondy takes off her clothes (12 pics)
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|This is a discussion on Tournament hand extractor? within the online poker forums, in the Tournament Poker section; Is there something out there that I can post a entire tournament HH and hav it extract just my starting hands? So Ipost my HH
Tournament hand extractor?
Is there something out there that I can post a entire tournament HH and hav it extract just my starting hands? So Ipost my HH in it and it shows all my starting hands the entire tourney.
I played in event #10 today of the mini FTOPS on Full Tilt and I want to see if I really was as card dead as I feel I was I got AA and QQ a few times but I was card dead pretty much the whole tournament and I want to see just my hole cards for each hand in that tournament.
re: Poker & Tournament hand extractor?
Ok I found a site for what I wanted, feel free to take a look at what kind of hands I was getting in this tournament. All the unseen hands at the start was because I took a nap before and woke up 20 minutes late, not sure of the hidden hands in the middle I never sat out at any point. Any way you can pretty much tell which hands I was a blind and all that.
Just to explain my bust out hand blinds were about 500-1000 only had 7900 and was the BB flopped open ended str8 and just pushed with remaining 4300 or so. You'll see a few times where I folded A-10 pre thats due to bad position and low chips wasn't gonna raise and get reraised with a better hand where I can't call.
When you goto this site just find the HH for Grossberger I some how posted it twice. but you can see every hand dealt to me with the exception of the first 20 or so and a few in the middle.
Very cool link.
I played a tournament the other day where I saw 3 flops in the first 80 hands.
Then later in the tournament I saw 2 flops in 106 hands, and that was after were were in the money (I played more than 2 hands, but we never got to the flop).


text:
- Anonymous
- Australia, Male, 25-30
- Novice Nomad
- 1 review
Basic clean rooms, good heating, hot shower....tick, tick, tick! All up we had a great stay the Hansa Hotel! We were welcomed and taken care of through out our stay. The lady at the front desk was very nice and was more then happy to assist us in any way. The location of the hotel was a absolute winner with transport literally on the door step. We only spent one night however if we visit Düsseldorf in the future we would happily stay here once again. Thanks for a short but pleasant visit.
- Anonymous
- USA, Female, 31-40
- Novice Nomad
- 2 reviews
Clean, comfortable and simple. Super easy metro access.
Hostelworld Mobile Apps
Book on the go with the new Hostelworld mobile apps.


text:
July 1, 2016: My "Keep Calm and Carry On" essay last week was written before the Brexit vote, and I've since seen that slogan and flag in all types of media including the Colbert show. As of this writing, it appears the response of Britain's leadership, including David Cameron and Boris Johnson, has been to let others carry on, and Labour's leader Jeremy Corbyn seems in danger of being nudged aside himself. My essay was about seeing your startup through and maintaining a steady helm during difficult periods in the business.
June 26, 2016: My birthday this past week brought the usual reflections along with all the greetings and trappings of the occasion. To me the birthday reminder is one of the nicest features of Facebook, just to refresh our memories of the many people who are part of our lives and with whom we aren't always in close touch.
June 19, 2016: This week's essay is a reprise of a call for technology leaders to become involved in the figurative Public Square. None of us are insulated from today's governmental actions at the local, state or national levels.
June 12, 2016: This essay is a sequel to last week's war stories and advice on firing people. Let's say you've pulled the trigger, what can you expect next? There are many potential problems, to wit:
June 5, 2016: Have you ever been fired? I have, a few times. My first was in the retail hardware business that predated my transition to software. The owner by whom I had been engaged to execute a turnaround brought into the business his brother-in-law, much my elder (I was 23 at the time.) who had some relevant experience in paint products, versus my having no experience in anything to speak of. A change in personal circumstances caused the owner not to want to continue to fund this enterprise, and there wasn't enough cash flow to cover two executives. How did I respond?
May 30, 2016: May we respect the Fallen on this Memorial Day...on now to my essay:
This past weekend I attended a Georgia Tech Research Corporation board meeting in the North Georgia mountains. Our meeting was highlighted by fascinating research presentations on Einstein's gravitational waves and water on Mars, but more on those in a moment.
May 22, 2016: Enough about TNC's this week. That issue continues to dominate social media in Austin, but let's get back to our own businesses. I've had a few occasions over the past month to witness startups going through the normal anxieties that accompany each inflection point. There's no magic cure for those. A leadership team all acting in good faith will have vigorous and honest disagreements about major decisions. Startups are usually bereft of solid data and are forced to "wing it" more often than not. And, it all gets very personal.
May 16, 2016: This past Thursday I was in Atlanta for the annual ATDC Showcase, a crowded event where I ran into many friends. Even though my son was exhibiting a very interesting business there and I'm personally working on a venture to raise the standards of cancer care, the one universal question I got was: "What did Austin do to run off Uber and Lyft?"
May 8, 2016: Office hours in our Innovation Center at UT Austin attracted some inquiring student minds this past week. I engage in frequent mentoring or advising sessions like this as part of my EIR role, and there is always a wide range of questions.
May 1, 2016: Wednesday night I was grateful to be invited to Andrews Kurth in downtown Austin to be a mentor for the McCombs MBA "Venture Fellows." There were six teams working from a very detailed case presentation provided by the AK lawyers. In my room we had three Fellows playing their assigned roles per the case script and duking out matters of ownership percentages, titles, founder stock vesting, an already messy cap table, and assorted IP landmines.


text:
canada goose dealers
canada goose dealers
2016-12-04 18:26:36
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Litigation in national and international courts to bring about the decriminilisation of homosexuality
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1 review
Chase - Coldwater Creek Preferred Visa Reviews
- Other Credit Cards:
- Average: 3.6
- High: 5.0
Read 1 Review
REVIEW SNAPSHOT®by PowerReviews
Chase - Coldwater Creek Preferred Visa
Reviewed by 1 customer
Comments about Chase - Coldwater Creek Preferred Visa:
my payment was one hour late according to their records. It had to be made by 4:00 or would be posted to the next day. I posted about 2:00 p.m. Alaska time but was charged the $29.00 late fee as I found out when I called them they go by Eastern standard time. They had no grace period at all. I do not plan to use this card any longer.


text:
Salon Iris salon software is partnering directly with Dell to offer customized hardware and computer packages. Salon Iris has worked closely with Dell to test and offer hardware packages that are designed especially for all of the various sizes of salons. "We want to make it easy for you to get your salon up and running or to convert to a new automated solution," says Christianna Jackson, vice president of DaySmart Software Inc., makers of Salon Iris software.
For more information, visit www.saloniris.com/dell.aspx.
Celebrating Our Gelish Play at Home S. 4 Winners11 photos
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Waterford - Jordan Village residents may soon have walking access to Jordan Mill Park for the first time in six years.
Recreation and Parks Director Brian Flaherty hopes to replace the pedestrian bridge that crosses Jordan Brook by this summer or fall if the Representative Town Meeting approves an emergency appropriation of $46,500. The Board of Finance and Board of Selectmen have already approved the funds.
Flaherty says his department originally intended to fix the bridge, which is at least 20 years old, with existing funds. But one delay after another has forced his department to hold off replacing the bridge until the situation became more urgent.
The department closed the 60-foot overpass, located by Jordan Mill off Mill Lane, due to safety concerns. Town Clerk Bob Nye, who lives near the bridge, had pointed out to Flaherty that the bridge was deteriorating.
"It was clear that there was some rust and some deterioration and obviously it just got worse" over time, said Nye.
Currently, the bridge has no floor planks as the Recreation and Parks Department removed them due to the deterioration. Anyone who might try to cross would have to walk on bridge supports. The bridge is cordoned off with a chain link fence and a sign that says "Bridge Closed Unsafe."
"So one little slip, you could be over the dam," said Flaherty.
Without the bridge, people in the village wishing to visit the park must drive or walk about a quarter mile around the brook to the Governor's Landing neighborhood that borders the park.
Residents have told town officials they want a functioning bridge.
"For those already in the village, being able to access the Jordan Mill Park by foot was at one time a valuable part of the village experience, as my wife and I used to enjoy taking our young daughter for walks there on warm evenings," wrote David Bednarz in a letter to the Board of Finance.
With the bridge shut down for six years, selectmen and members of the Board of Finance have openly wondered in recent meetings why Recreation and Parks did not plan for bridge repairs or replacement in past budgets.
Flaherty said delays have made it difficult for his department to plan around the budget season. The State Department of Energy and Environmental Protection and the owners of Jordan Mill have also asked at times for the Recreation and Parks Department to hold off. Hurricane Sandy also pushed back repairs, diverting attention from the bridge to other repairs needed in town.
This past fall, the department tore up planks on the bridge with the intention of replacing them; however, the department found that further deterioration over the years had made the repairs at least as costly as replacing the span. Consultants at that time advised that the combination of necessary repairs would cost at least $50,000, said Flaherty. With that cost in mind, the department decided replacement was a more economical option.
Flaherty says that a new bridge would last 25 to 30 years.
Woman who stepped out of car is killed by a tractor-trailer on I-95
Crash closes I-95 south, causes life-threatening injuries in Old Lyme
Here are 4 government programs Trump's team wants to privatize
Montville vigil offers comfort, support for those struggling with addiction
Montville vigil offers comfort, support for those struggling with addiction


text:
Solar System Update brings together the work of 19 physicists, astronomers, and climatologists from Europe and the USA in 12 chapters on the sun, the main planets and comets.
The book, co-authored by Dr Philippe Blondel, of the University of Bath, highlights the many recent discoveries and in particular the amount of water, one of the essentials for life, found in the Solar System.
Recent studies have revealed ice in craters on Mercury, the closest planet to the sun, and that liquid water may once have existed on the surface of Mars, and may still be there underground.
In addition, liquid water may exist on moons around Jupiter, in particular Europa, Ganymede and Callisto, underneath a surface of ice.
In his chapter The Habitability of Mars: Past and Present, Thomas McCollom, of the Center for Astrobiology at the University of Colorado, USA, says that though the temperatures on Mars, as low as minus 120 Centigrade, mean that water cannot exist on the surface, there may be a "planet-wide liquid aquifer at some depth in its crust." There is also geological evidence that water has flowed on the surface in the past.
"It seems increasingly apparent that habitable environments very likely exist on Mars today, and may have been considerably more diverse and abundant in the past," he writes.
In his chapter The Icy Moons of Jupiter, Richard Greenberg, of the Department of Planetary Sciences at the University of Arizona, USA, says: "There is an unusually strong motivation to continue to pursue studies of the icy satellites."
He says that three large moons of Jupiter "probably have liquid water layers, and one, Europa, almost certainly has an ocean just below the surface. Naturally liquid water raises the possibility of extraterrestrial life."
However, if the surface ice were very thick, this would cut the water below off from oxygen and sunlight which are important for most forms of life on Earth, and so might have prevented life from developing.
Dr Blondel, who works in the University of Bath's Department of Physics, took 18 months to edit the book, with his co-editor Dr John Mason.
"This book sets out how much water and ice there is in the solar system," said Dr Blondel. "This obviously has implications for our search for extra-terrestrial life.
"By understanding better how the climates of planets like Mars and Venus have evolved, we can understand more about climate change on Earth.
"For instance, the very hot and cloudy climate of Venus is likely to have developed after a runaway greenhouse effect, and the more we know about this the more we can understand some of the challenges caused by our climate change on Earth. "
Tony Trueman | EurekAlert!
Further information:
Further Improvement of Qubit Lifetime for Quantum Computers
09.12.2016 | Forschungszentrum Jülich
Electron highway inside crystal
09.12.2016 | Julius-Maximilians-Universität Würzburg
Physicists of the University of Würzburg have made an astonishing discovery in a specific type of topological insulators. The effect is due to the structure of the materials used. The researchers have now published their work in the journal Science.
Topological insulators are currently the hot topic in physics according to the newspaper Neue Zürcher Zeitung. Only a few weeks ago, their importance was...
In recent years, lasers with ultrashort pulses (USP) down to the femtosecond range have become established on an industrial scale. They could advance some applications with the much-lauded "cold ablation" – if that meant they would then achieve more throughput. A new generation of process engineering that will address this issue in particular will be discussed at the "4th UKP Workshop – Ultrafast Laser Technology" in April 2017.
Even back in the 1990s, scientists were comparing materials processing with nanosecond, picosecond and femtosesecond pulses. The result was surprising:...
Have you ever wondered how you see the world? Vision is about photons of light, which are packets of energy, interacting with the atoms or molecules in what...
A multi-institutional research collaboration has created a novel approach for fabricating three-dimensional micro-optics through the shape-defined formation of porous silicon (PSi), with broad impacts in integrated optoelectronics, imaging, and photovoltaics.
Working with colleagues at Stanford and The Dow Chemical Company, researchers at the University of Illinois at Urbana-Champaign fabricated 3-D birefringent...
In experiments with magnetic atoms conducted at extremely low temperatures, scientists have demonstrated a unique phase of matter: The atoms form a new type of quantum liquid or quantum droplet state. These so called quantum droplets may preserve their form in absence of external confinement because of quantum effects. The joint team of experimental physicists from Innsbruck and theoretical physicists from Hannover report on their findings in the journal Physical Review X.
"Our Quantum droplets are in the gas phase but they still drop like a rock," explains experimental physicist Francesca Ferlaino when talking about the...
ICTM Conference 2017: Production technology for turbomachine manufacturing of the future
16.11.2016 | Event News
Innovation Day Laser Technology – Laser Additive Manufacturing
01.11.2016 | Event News
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Researchers identify potentially druggable mutant p53 proteins that promote cancer growth
09.12.2016 | Life Sciences
Scientists produce a new roadmap for guiding development & conservation in the Amazon
09.12.2016 | Ecology, The Environment and Conservation
Satellites, airport visibility readings shed light on troops' exposure to air pollution
09.12.2016 | Health and Medicine


text:
THIS IS A DIRECTORY PAGE. Britannica does not currently have an article on this topic.
Learn about this topic in these articles:
establishment of Food and Drug Administration
...and purity standards and provided for factory inspection and for legal remedy; the Fair Packaging and Labeling Act, which required honest, informative, and standardized labeling of products; the Radiation Control for Health and Safety Act, which was designed to protect consumers from possible excess radiation generated by X-ray machines, televisions, microwave ovens, and the like; and the...


text:
Unilife (UNIS -8.1%) trades lower out of the gate, giving back some of the gains the shares logged Tuesday on the heels of the Novartis deal.
TheStreetSweeper's Sonya Colberg is out today with the "Top 10 Reasons" to be bearish on the stock.
Also out with a bearish take is SA contributor Kerrisdale Capital Management who says "vague supply agreements" are one factor that suggests a "75% overvaluation."


text:
Economic Statistics for 29 Mar 16
The Conference Board's Consumer Confidence Index rose 4 points in March to 96.2.
State Street's Investor Confidence Index rose 8.1 points in March to 114.6.
The Case-Schiller Home Price Index rose 0.8% in January. On a year-over-year basis, the index is up 5.7%.
Redbook reports that last week's retail sales rose to a lackluster 1.5% on a year-ago basis, from the previous week's 0.8%.


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Chennai Web Hosting Solution Provider offers Domain Name Registration, Windows Web Hosting, Linux Web Hosting, Email Hosting, database solutions, Web Designing and Development,...
Deccanwebs is a small based business web hosting service provided by deccanwebs.com
We wish you a very and please visit us again!!! Thanks.
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text: In the past, alternative investments have been one of the top drivers to Goldman Sachs' asset-management division. In the second quarter, however, net inflows to Goldman's alternative-investment funds sank to zero. "There is not really much color to add; it was flat over the quarter," said David Viniar, Goldman Sachs chief financial officer. "We are pretty optimistic on the business, we are adding new products and I think over time you will see that grow."


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The Distant Mirror: Reflections on Young Adult Historical Fiction
· Rating Details · 8 Ratings · 2 Reviews
Young adult historical fiction brings the past alive through stories of adventure, suspense, and mystery. The genre is both complex and controversial, encompassing novels that range from romance and fantasy to stark historical realism. The book examines the various approaches to young adult historical fiction and explores the issues that it has engendered. Part One focuses ...more
Hardcover, 210 pages
Published December 8th 2005 by Scarecrow Press
(first published January 1st 2005)
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Apr 14, 2009 Stephanie rated it liked it
I've read all of the book that will be useful to my research being the first section of the book which examines YA historical fiction as a genre and the chapter on historical fiction concerning itself with war. While the authors offer some useful quotes from historical fiction authors and critics (as well as other sources to examine), the first portion of the book is more of an examination of the history of the historical novel than a presentation of new ideas. While they do seem to reject some ...more
Apr 28, 2013 hannah added it
Shelves: history, lit-theory, scholarly
Authors who are lazy with their details make me worried about their greater arguments and competency as scholars. My blog post on this book: http://mclicious.org/2013/04/28/schol...
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castro Exclusive Residences SPA Sagrada Familia
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castro Exclusive Residences SPA Sagrada Familia
About the Hotel
Property Location
A stay at castro Exclusive Residences SPA Sagrada Familia places you in the heart of Barcelona, minutes from Sagrada Familia and close to Casa Batllo. This 4.5-star apartment is within close proximity of Casa de les Punxes and Teatreneu.
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Featured amenities include express check-in, express check-out, and dry cleaning/laundry services. A roundtrip airport shuttle is provided for a surcharge (available 24 hours), and self parking (subject to charges) is available onsite.
Hotel Facilities
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- Number of buildings/towers - 1
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- Sauna
- Total number of rooms - 20
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Room Facilities
- Hydromassage showerhead
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Know Before You Go
- Cash transactions at this property cannot exceed EUR 2500, due to national regulations. For further details, please contact the property using information in the booking confirmation.
- This property offers transfers from the airport (surcharges may apply). Guests must contact the property with arrival details before travel, using the contact information on the booking confirmation.
- Reservations are required for massage services and spa treatments. Reservations can be made by contacting the apartment prior to arrival, using the contact information on the booking confirmation.
- A resort fee is included in the total price displayed.
- Up to 5 children 2 years old and younger stay free when occupying the parent or guardian's room, using existing bedding.
- Only registered guests are allowed in the guestrooms.
- Some facilities may have restricted access. Guests can contact the property for details using the contact information on the booking confirmation.
- This property allows pets in specific rooms only (surcharges apply and can be found in the Fees section). Guests can request one of these rooms by contacting the property directly, using the contact information on the booking confirmation.
The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- Fee for continental breakfast: EUR 16.50 per person (approximately)
- Airport shuttle fee: EUR 99.00 per vehicle (one way)
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- Pet fee: EUR 20 per pet, per night
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The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.
Mandatory Fees and Taxes
You'll be asked to pay the following charges at the property:
- Deposit: EUR 500.00 per stay
- A tax is imposed by the city: EUR 1.21 per person, per night, up to 7 nights. This tax does not apply to children under 17 years of age.
The charges below are included in your overall room price:
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We have included all charges provided to us by the property. However, charges can vary, for example, based on length of stay or the room you book.Show all hotel policy Show less hotel policy


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What parents need to know
Parents Need to Know
Parents need to know that this 1980s sitcom centers on Benson, an African-American butler who goes from being a household staff member to a political player. The show is funny and well written, but it also contains its share of sharp-witted banter that will likely go over the head of younger viewers. Parents also need to know that Benson's job (but, it's important to emphasize, not his behavior) is reminiscent of the 1930s Hollywood stereotype of African-American domestic servants.
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Parents say
Kids say
What's the story?
A spin-off of the controversial '70s hit sitcom Soap, BENSON centers on Benson Dubois, a dignified but sharp and outspoken African-American butler who rises from the ranks of domestic service to enter the world of domestic politics. Benson (played by renowned stage actor Robert Guillaume) is hired to oversee the household affairs for widowed Governor Eugene Gatling (James Noble) and his daughter Katie (Missy Gold). Life in the governor's mansion is anything but boring as Benson finds himself trying to keep the household together alongside the governor's eccentric political and domestic staff, including secretary Caroline Williams (Marcy Hill), press assistant Peter Downey (Ethan Phillips), housekeeper Gretchen Kraus (Inga Swenson), and the governor's pompous chief of staff, Clayton Edicott III (Rene Auberjonois). Denise Stevens Downey (Didi Conn) joined the group in later seasons, after Caroline married and left her position. Benson subtly makes fun of a politically dominant white upper class that isn't always in touch with its constituents' varying needs, and it is within this context that Benson's intellect and strong sense of ethics gets him promoted to state budget director, lieutenant governor, and, eventually, a gubernatorial candidate.
Is it any good?
Overall, Benson is smart and honorable, and he can be viewed as a positive role model. But no matter how successful he becomes, it's hard to forget that the show's original premise is embedded in Hollywood's early stereotypical portrayals of African-Americans as domestic servants. These competing cultural representations create a tension that's easily (but perhaps unfortunately) overlooked due to Benson's distinguished and intellectual behavior and the show's high entertainment value.
Families can talk about...
Families can talk about the different roles that African-Americans and other racial and ethnic groups have played throughout TV history. Does it seem like certain roles are typically played by people of the same racial and/or ethnic heritage? Are these representations the result of existing social stereotypes, or are there other reasons? Families can also talk about the home life of major political leaders. How different is it from a "regular" person's? What does it take to keep a governor or president's household running?
TV details
|Premiere date:
|September 13, 1979
|Inga Swenson, James Noble, Robert Guillaume
|Syndicated, TV Land
|TV rating:
About Our Rating System
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Funny senior housemates crack wise; teens and up.age 13+
Comedy with a political spin for teens and up.age 14+
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Lady Gaga - Born This Way (2011) MP3+iTunes
Date: 16.02.2011 | Pop | Tags: Lady Gaga, Born This Way | Download Lady Gaga - Born This Way (2011) MP3+iTunes for free.
All references to music (video) are presented only for fact-finding listening and located not on our server. All files lay on foreign servers to which site Freshremix.ru irrelevant. Our site is only site on which Users spread references to these files which are publicly available. After listening you must delete the downloaded file and get a legal copy.


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Riverside High School Riverside, NJ Alumni
Riverside Riverside, NJ Alumni Photos
What is this site?
- Send messages to alumni
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- Class of 1982 Frank Rohloff
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Yummy Easy Cheesy Ball
Total Time
Prep 15 mins
Cook 30 mins
Delicious and simple cheese ball. You won't be able to get enough.
Ingredients Nutrition
16 1 cheese ball US
- 3 (8 ounce) packages cream cheese
- 10 ounces of chopped deli ham
- 4 chopped green onions
- 2 tablespoons Accent seasoning
- Mix ingredients with hands.
- Form into a ball.
- Refridgerate for at least 30 minutes.
- Serve with ritz, carrots, or celery.
- I use more Accent usually -- you can adjust amounts to your likeness by gradually adding in a teaspoon at a time.
- If you are trying to eat healthier, or don't eat pork, finely chopped turkey will work alright as well.
Most Helpful
Easy and quick cheese ball recipe! I used about 1 1/2 tablespoons of Accent seasoning and chopped the ham and onion very fine. Served with cucumbers, celery, carrots, green peppers, and mixed crackers.


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May 1, 2013
BRIAN LYNN,APPELLANTv.NATIONWIDE INSURANCE COMPANY AND TERRA M. LYNN, APPELLEES
Appeal from the Order entered September 7, 2012, Court of Common Pleas, Allegheny County, Civil Division at No. GD 10-012335
BEFORE: BOWES, DONOHUE and MUNDY, JJ.
Appellant, Brian Lynn ("Lynn"), appeals from the trial court's grant of summary judgment in favor of Appellee, Nationwide Insurance Company ("Nationwide"). This case presents an issue of first impression, specifically an interpretation of the anti-abuse provisions of the Unfair Insurance Practices Act ("UIPA"), 40 P.S. § 1171.5(a)(14), including in particular subsection 1171.5(a)(14)(i)(D), added in 2006. For the reasons that follow, we conclude that the trial court's interpretation of this provision of the UIPA was flawed, and accordingly we reverse the order granting summary judgment.*fn1
The parties do not dispute the basic factual and procedural background of the case. On October 27, 2009, Lynn's estranged wife, Terra Lynn ("Terra"), telephoned the Warren Carr Insurance Agency (the "Carr Agency"), the insurance agency providing homeowners insurance on the marital residence, and informed Warren Carr, its principal, that she wanted to cancel the homeowners policy (the "Policy") covering the home. The next day, Bonita Rush, the agency's office manager, called Terra and advised her that a written confirmation would be required to cancel the Policy. On October 30, 2009, Terra sent an email from the address of firstname.lastname@example.com, stating, "I want my homeowners policy cancelled. Sincerely, Brian Lynn." The parties do not dispute that this email address was created by Terra and that she sent this email without Lynn's knowledge or assent.
On November 1, 2009, Terra drugged the couple's children and attempted to burn down the marital residence with her and the children inside. She left a suicide note to Lynn stating, "Have a great fucking life knowing the kids will always be with me now. I leave you absolutely nothing." Luckily, her murder-suicide attempt was foiled and she and the children escaped serious injuries. Terra was arrested and subsequently pled guilty to criminal charges, including arson. Lynn now has custody of their children.
On or about November 3, 2009, Lynn went to the Carr Agency to inquire regarding insurance coverage for damage to the marital home and its contents. At that time, Lynn was informed that the Policy had been cancelled. On November 10, 2009, the mortgagee of the premises filed a claim for damages with Nationwide, and six days later Lynn filed his own claim. Lynn began preparation of an inventory of items in the home at the time of the fire. Lynn and Nationwide disagree as to whether, and/or the extent to which, this inventory contains items not damaged in the fire or not in the home at the time of the fire.
Based upon the purported cancellation of the Policy, Nationwide denied Lynn's claim. On June 30, 2010, Lynn filed a lawsuit against Nationwide (and Terra) in which he alleges that Nationwide breached the terms of the homeowners' policy and did so in bad faith. After discovery, Nationwide filed a motion for summary judgment contending, inter alia, that the Policy was properly cancelled in accordance with its terms, that all claims were excluded from coverage under the intentional acts provision in the Policy, and that Lynn's inventory violated the concealment and fraud provisions of the Policy. Lynn filed a response to Nationwide's motion for summary judgment, denying its material contentions. In particular, Lynn argued that subsection 1171.5(a)(14)(i)(D) of the UIPA precludes the entry of summary judgment in this case. Subsection 1171.5(a)(14)(i)(D) prohibits an insurance company from "refusing to pay an insured for loses arising out of abuse to that insured under a property ... insurance policy or contract ... if the loss is caused by the intentional act of another insured...." 40 P.S. § 1171.5(a)(14)(i)(D).
On September 7, 2012, the trial court issued a memorandum and order granting Nationwide's motion for summary judgment with respect to the first two counts of Lynn's complaint.*fn2 The text of the trial court's memorandum reads as follows:
Pending before me is [Nationwide's] Motion for Summary Judgment, which seeks the dismissal of the breach of contract and bad faith counts of the Complaint. The Complaint was filed after Nationwide denied [Lynn's] claim for insurance benefits following a fire intentionally set by his wife. [Lynn] appears to concede the intentional acts exclusion in the [Policy] would apply, but for the [UIPA]. Specifically, [Lynn] relies on section 1171.5(a)(14)(i), which prohibits an insurance company from denying a claim such as his 'because the insured ... is a victim of abuse ... .'
(Emphasis added). [Lynn], who argues his wife set the fire as part of a pattern of abuse directed at him, interprets the word 'because' in paragraph (14)(i) to mean 'if,' when it actually should be interpreted to mean 'for the reason that.' This becomes apparent upon reading subparagraphs 14(ii)(B) and 14(iii).
The former provides that nothing in paragraph 14 'shall be construed as ... requiring [an insurance company] to provide benefits or coverage for losses incurred solely because the insured ... is a victim of abuse.' The latter provides that an insurance company does not violate paragraph 14 'if any action taken is permissible by law and applies to the same extent to all ... insured without regard to whether an ... insured is a victim of abuse.' Thus, the Act prohibits discriminating against a benefits claimant on the basis that the claimant was a victim of abuse as defined by the Act. Because [Lynn] does not even allege such discrimination, I enter the follow [order granting summary judgment].
Trial Court Memorandum, 9/7/12, at 1-2 (emphasis in original). Because the trial court's order did not dispose of Lynn's claims against Terra, it was not a final order for purposes of appeal. Pa.R.A.P. 341(c). Lynn filed a motion pursuant to Pa.R.A.P. 341(c), requesting that the trial court amend its order to designate it as a final order because an immediate appeal would facilitate final resolution of the entire case. On September 14, 2012, the trial court amended its order as requested, and this appeal followed.
On appeal, Lynn raises the following issues for our consideration and determination:
1. Where the record shows a pattern of abuse,
including unauthorized purported policy cancellation through forged communications and an attempt to kill the victim's children and spouse by the spouse deliberately setting fire to the insured property with them in it, can an [i]nsurer properly deny the innocent victim spouse's claim for recovery of property damage consistent with the provisions of [UIPA], and specifically 40 P.S. § 1171.5(a)(14)(i)(D).
2. Is an attempt to cancel a policy effective when it is part of a pattern of abuse, not authorized by the abused insured victim, based on a forged communication to the [i]nsurer and contrary to the policy provisions concerning cancellation by the insured.
3. Where an [i]nsurer denies the claim of an innocent victim of abuse in violation of the provisions of the UIPA, and, in addition, supports its denial based on a forged and inadequate communication to the insurance agent, are material issues of fact presented precluding the award of summary judgment in favor of the [i]nsurer on its bad faith claim.
4. Are there material facts at issue so as to preclude summary judgment regarding whether [Lynn]
intentionally concealed or misrepresented facts to Nationwide regarding his contents claim so as to preclude coverage.
5. Are there material facts at issue, so as to preclude summary judgment regarding whether personal property claimed was abandoned by the insured.
Lynn's Brief at 4-5.
Our standard of review when considered an appeal from the grant of summary judgment is as follows:
As has been oft declared by this Court, 'summary judgment is appropriate only in those cases where the record clearly demonstrates that there is no genuine issue of material fact and that the moving party is entitled to judgment as a matter of law.' Atcovitz v. Gulph Mills Tennis Club, Inc., 571 Pa. 580, 812 A.2d 1218, 1221 (2002); Pa.R.C.P. No. 1035.2(1). When considering a motion for summary judgment, the trial court must take all facts of record and reasonable inferences therefrom in a light most favorable to the non-moving party. Toy v. Metropolitan Life Ins. Co., 593 Pa. 20, 928 A.2d 186, 195 (2007). In so doing, the trial court must resolve all doubts as to the existence of a genuine issue of material fact against the moving party, and, thus, may only grant summary judgment 'where the right to such judgment is clear and free from all doubt.' Id. On appellate review, then, an appellate court may reverse a grant of summary judgment if there has been an error of law or an abuse of discretion. But the issue as to whether there are no genuine issues as to any material fact presents a question of law, and therefore, on that question our standard of review is de novo. This means we need not defer to the determinations made by the lower tribunals.
Weaver v. Lancaster Newspapers, Inc., 592 Pa. 458, 926 A.2d 899, 902-03 (2007) (internal citations omitted). To the extent that this Court must resolve a question of law, we shall review the grant of summary judgment in the context of the entire record. Id. at 903.
Summers v. Certainteed Corp., 606 Pa. 294, 307, 997 A.2d 1152, 1159 (2010).
With respect to Lynn's first issue on appeal, Nationwide denied Lynn's claim in part based upon an "intentional acts" exclusion in the Policy that denies coverage when the loss results from an intentional act "committed by or at the direction of an insured," including criminal acts.*fn3
According to Nationwide, "[b]ecause it is undisputed that Terra Lynn was an insured and that she intentionally set fire to the house, this exclusion applies to [Lynn's] claimed damages." Nationwide's Brief at 8. Lynn does not dispute that his losses are the result of the intentional actions of an insured (Terra). Lynn's Brief at 16. Instead, Lynn argues that because he is a victim of Terra's abuse, under section 1171.5(a)(14) of the UIPA, including in particular subsection 1171.5(a)(14)(i)(D), Nationwide may not rely on the intentional acts exclusion in the Policy to deny his claim. Id. at 16-18. In 1996, the Pennsylvania legislature amended section 1171.5(a) of the UIPA to provide protection from discrimination by insurance companies against victims of domestic violence. The new legislation added section 14, which provided as follows: § 1171.5. Unfair methods of competition and unfair or deceptive acts or practices defined (a) 'Unfair methods of competition' and 'unfair or deceptive acts or practices' in the business of insurance means:
(14) (i) Taking any of the following actions because the insured or applicant for an insurance policy or insurance contract is a victim of abuse:
(A) Denying, refusing to issue, refusing to renew, refusing to reissue or canceling or terminating an insurance policy or insurance contract or restricting coverage under an insurance policy or insurance contract.
(B) Adding a surcharge, applying a rating factor or using any other underwriting standard or practice which adversely takes into account a history or status of abuse.
(C) Excluding or limiting benefits or coverage under an insurance policy or insurance contract for losses incurred.
(ii) Nothing in this paragraph shall be construed as:
(A) requiring that a person issue, renew or reissue an insurance policy or insurance contract solely because the insured or applicant is a victim of abuse; or
(B) requiring a person to provide benefits or coverage for losses incurred solely because the insured or applicant is a victim of abuse.
(ii.1) Payment of a claim pursuant to subparagraph
(i)(D) shall constitute payment as to all other insureds under the policy.
(iii) A person shall not be in violation of this paragraph if any action taken is permissible by law and applies to the same extent to all applicants and insureds without regard to whether an applicant or insured is a victim of abuse.
40 P.S. § 1171.5(a)(14).
In 1997, this Court decided Kundahl v. Erie Ins. Group, 703 A.2d 542 (Pa. Super. 1997), a case in which Erie had issued automobile and homeowners insurance policies to a husband and wife, Christine and Edward Kundahl. Id. at 543. The Kundahls eventually developed severe marital conflicts, and in July 1991, Edward Kundahl intentionally set fire to the Kundahls' house. Id. The fire destroyed a substantial portion of the residence as well as Christine Kundahl's automobile. Id. Christine Kundahl, as a co-insured, requested payment of insurance proceeds from Erie under both policies. Id. Erie denied coverage based upon intentional acts exclusion provisions in both policies, on the grounds that Mrs. Kundahl's losses were the direct result of the intentional acts of another named insured under the polices (i.e., her husband). Id.
This Court reversed the trial court's entry of judgment in favor of Christine Kundahl and directed that judgment instead be entered in favor of Erie. Id. at 545. We concluded that the language of the intentional acts exclusions clearly provided that the Kundahl's interests under the policies were joint rather than several, and that as a result, "if any one [insured] violates the policy, coverage must be denied to all insureds." Id. at 545. We apparently determined that the newly enacted section 1171.5(a)(14) of the UIPA provided no protection for Christine Kundahl, even as a victim of domestic violence, as we made no reference to that statutory provision in our opinion in Kundahl. Instead, we called upon the legislature to remediate the problem of an abusive spouse's intentional actions victimizing an innocent co-insured:
We do sympathize with Mrs. Kundahl's plight. Her home and car are lost without the possibility of recovery. However, we cannot permit our sympathy to cloud the plain language of both policies. Nor can we force insurance companies to insert language in every policy they write to provide coverage for all innocent insureds. Such action is more properly left to our legislature. We, therefore, call upon the legislature to address this problem so that victimized spouses are no longer faced with the twin evils of destruction and destitution.
Although initial legislative efforts did not come to fruition, in 2005 Senator Patricia Vance introduced a bill in the Pennsylvania Senate to address the Kundahl issue. Pa.S.Res. 363 of 2005. Her co-sponsorship memorandum for the bill discussed the Kundahl case (among others) in some detail and stated that the goal of the proposed legislation was "to create a statutory prohibition against an insurance company's refusal to pay a homeowner's or property/casualty claim arising out of abuse to an innocent claimant when an abusive spouse caused the property damage." Co-Sponsorship Memorandum, S.B. 363, January 20, 2005. Representative George Kenney introduced the identical legislation in the Pennsylvania House of Representatives. Pa.H.Res. 1632 of 2005.. This House bill was enacted into law in 2006 and was codified in part at 40 P.S. § 1171.5(a)(14)(i)(D):
(D) With respect to a policy of a private passenger automobile, a policy covering owner-occupied private residential property or a policy covering personal property of individuals, refusing to pay an insured for losses arising out of abuse to that insured under a property and casualty insurance policy or contract to the extent of the insured's legal interest in the covered property if the loss is caused by the intentional act of another insured or using other exclusions or limitations which the commissioner has determined unreasonably restrict the ability of victims of abuse to be indemnified for such losses. When an insured submits a claim for losses pursuant to this subsection, the insurer shall provide to the insured a notice stating:
(I) that the insurer cannot refuse to pay a claim without conducting a reasonable investigation;
(II) that such investigation may include or result in contact with other insureds;
(III) that at the request of the insured, the insurer will not disclose the location of the insured to the other insureds or third parties as part of the investigation;
(IV) that the insurer will notify the insured at least fourteen days prior to instituting any legal action against the insured alleged to have caused the loss;
(V) that, after an insurer has paid a loss as a result of the claim, the insurer may non-renew coverage or impose a surcharge as to the insured alleged to have caused the loss as long as the non-renewal or surcharge imposition is not done prior to the later of siX months following payment of the claim or the policy's renewal date; and (VI) the national domestic violence hotline number.
40 P.S. § 1171.5(a)(14)(i)(D). The 2006 legislation also amended the definition of "abuse" in section 1171.3 of the original 1996 legislation*fn4 to include "attempting to cause or intentionally, knowingly or recklessly causing damage to property so as to intimidate or attempt to control the behavior of another person covered under 23 Pa.C.S. Ch. 61 (relating to protection from abuse)." 40 P.S. § 1171.3.
In making its decision in the present case, the trial court did not refer to subsection 1171.5(a)(14)(i)(D). Instead, it focused exclusively on the introductory language in section 1171.5(a)(14)(i), and in particular on the definition of the word "because." The introductory language to section 1171.5(a)(14)(i) states that an insurance company is prohibited from denying a claim "because the insured ... is a victim of abuse ... ." Trial Court Opinion, 9/7/12, at 1-2 (emphasis in original). According to the trial court, the proper definition for the word "because" here is "for the reason that." Using the trial court's chosen definition of "because," section 1171.5(a)(14) prohibits an insurance company from denying a claim if it does so because (for the reason that) the claimant is a victim of abuse, i.e., if the insurance company intentionally discriminates against a victim of abuse because he/she is a victim of abuse. Id. Under this interpretation, Nationwide did not deny Lynn's claim as an act of discrimination against a victim of abuse, but rather merely based upon a routine application of the intentional acts exclusion in the Policy.
In reviewing the trial court's interpretation of the anti-abuse provisions of the UIPA, "our standard of review is de novo and [our] scope of review is plenary." In re Milton Hershey School, 590 Pa. 35, 911 A.2d 1258, 1261 (2006). "[T]he objective of all interpretation and construction of statutes is to ascertain and effectuate the intention of the legislature." Bayada Nurses v. Dept. of Labor and Indus., 607 Pa. 527, 552, 8 A.3d 866, 880 (2010) (citing 1 Pa.C.S. § 1921(a)). Generally, the best indication of the General Assembly's intent is the plain language of the statute. Allstate Life Ins. Co. v. Commonwealth, __ Pa. __, __, 52 A.3d 1077, 1080 (2012). Courts are required, if possible, to give effect to each provision or subsection of the statute. 1 Pa.C.S.A. § 1921(a). We must assume that the legislature intended for the entire statute to be effective and certain, and conversely did not intend an absurd or unreasonable result. 1 Pa.C.S.A. § 1922. For this reason, we may consider the practical consequences of a particular interpretation. C.R.F. v. S.E.F., 45 A.3d 441, 444 (Pa. Super. 2012) (citing Commonwealth v. Daikatos, 708 A.2d 510, 512 (Pa. Super. 1998)).
With these principles in mind, in our view the trial court's interpretation of the relevant statutory language in this case was in error, as it completely ignores the plain, unambiguous language of subsection 1171.5(a)(14)(i)(D). This language clearly demonstrates the legislature's intention to prohibit the denial of claims of innocent co-insureds where the loss was caused by the intentional acts of another insured. Subsection (D) states that an insurance company is prohibited from "refusing to pay an insured for losses arising out of abuse to that insured ... if the loss is caused by the intentional act of another insured ...." Id. The trial court's interpretation, in stark contrast to the legislative intent, essentially guarantees that the claims of innocent co-insureds will never be paid - as the insurance company's denials of such claims will merely involve the application of the policy's intentional acts exclusion (as it would with any other policyholder), rather than an attempt to engage in discrimination against a victim of abuse. Regardless of the definition of the word "because" in the introductory language to section 1171.5(a)(14)(i), the trial court's interpretation cannot stand, since the provision as a whole (including subsection (D)) cannot be read to permit an insurance company to do precisely what the legislature prohibited an insurance company from doing,
i.e., deny the claim of an innocent co-insured based upon intentional acts of abuse by another insured.
The current structure of section 1171.5(a)(14)(i), after the 2006 amendment adding subsection (D), highlights the trial court's misunderstanding of the provision as a whole. Subsections (A), (B), and (C) all prohibit specific acts of discrimination against victims of abuse, including, for example, refusing to issue or renew a policy, adding surcharges to the cost of a policy, or excluding or limiting the benefits available under a policy. The introductory language to these subsections makes clear that the prohibitions are in place to protect victims of abuse from acts of discrimination by the insurance company in its general treatment of such insureds, e.g., in connection with a policy's issuance, its costs, and/or its available terms of coverage. Subsection (D), in significant contrast, governs the insurance company's acts during its processing of a specific claim on an existing policy - providing that the insurance company may not deny the claim of an innocent co-insured who is the victim of an intentional act of abuse by another insured. Read in context and taking legislative intent in proper consideration, the prohibitions in subsection (D), unlike those of subsections (A) - (C), stand on their own and are not limited or further defined by the introductory language to the section.
We likewise disagree with the trial court's view that sections 1171.5(a)(14)(ii)(B) and (iii) support its interpretation. Section (14)(ii)(B) states that nothing in section (14) "shall be construed as ... requiring [an insurance company] to provide benefits or coverage for losses incurred solely because the insured ... is a victim of abuse." 40 P.S. § 1171.5(a)(14)(ii)(B). Section (14)(iii) provides that an insurance company does not violate paragraph 14 "if any action taken is permissible by law and applies to the same extent to all ... insured without regard to whether an ... insured is a victim of abuse." 40 P.S. § 1171.5(a)(14)(iii). These two provisions, again read in the context of section 14 as a whole, connote only that victims of abuse are not automatically entitled to payment of insurance claims, regardless of any surrounding circumstances. The legislative history reflects that section (ii)(B) was included to allay any concern "that this legislation would create a special class of insureds who would be automatically covered solely because they are victims of abuse. ... [I]f you happened to have been a victim of domestic violence in the past and you have some injury that is totally unrelated to this, you are not automatically covered if the company never pays for that injury." Pa.H.R. LEGIS. JOURNAL, 179 Sess. 70, at 2042-43 (1995). Importantly, subsection (ii)(B) was "not intended to diminish the rule which states that insurance companies cannot base their decisions to deny coverage on the basis of a history of abuse or evidence of abuse." Id. at 2043. Subsection (iii) merely clarifies "the legal standard which the insurer must meet." Id.
In its motion for summary judgment, Nationwide does not contest that Lynn has introduced into the record sufficient evidence to create a material issue of fact regarding the existence of "abuse" by another insured (Terra) in this case, as that term is defined in section 1171.3 of the UIPA.*fn5
Accordingly, subsection (a)(14)(i)(D) of the UIPA would prohibit Nationwide from denying Lynn's claim based upon application of the intentional acts exclusion in the Policy. As a result, the trial court's entry of summary judgment for Nationwide on this basis was error.
Although the trial court did not address Lynn's remaining issues on appeal, we will do so herein because we may affirm a trial court's ruling on any basis supported by the record on appeal. See, e.g., C.B. ex rel.
R.R.M. v. Commonwealth, Dept. of Public Welfare, 567 Pa. 141, 143 n.1, 785 A.2d 176, 178 n.1 (2001). Lynn's second and third issues on appeal dispute Nationwide's contention that the Policy had been cancelled prior to the fire loss at issue. According to Nationwide, Terra Lynn successfully cancelled the Policy before the fire, and thus no contract of insurance existed with Lynn on which it is required to pay any benefits. Nationwide's Brief at 8.
For several reasons, we disagree with Nationwide's contention that it is entitled to summary judgment on Lynn's claim because the Policy was cancelled. First, for the reasons discussed hereinabove, subsection 1171.5(a)(14)(i)(D) precludes the entry of summary judgment on this issue, since all of the acts on which Nationwide relies were the intentional acts of Terra. Subsection (D) prohibits Nationwide from refusing to pay Lynn's claim if his loss was "caused by the intentional act of another insured." 40 P.S. § 1171.5(a)(14)(i)(D). As alleged in his Complaint, argued in his appellate brief, and supported by sufficient evidence of record to create a material issue of fact on the issue, Terra's attempts to cancel their homeowners policy was part of a pattern of abuse towards him that is responsible for his losses currently at issue. Complaint, ¶ 10; Lynn's Brief at 22-23. Because the attempts to cancel the policy involved the intentional acts of another insured under the Policy, i.e., Terra's call and email to the Carr Agency, pursuant to subsection 1171.5(a)(14)(i)(D), Nationwide cannot refuse to pay Lynn's claim on this basis.
Second, when an insurance company pleads cancellation to avoid payment on a policy, the burden is on the insurer to prove effective cancellation prior to loss. See, e.g., Scott v. Southwestern Mut. Fire Ass'n, 647 A.2d 587, 590 (Pa. Super. 1994). Where the policy includes specific conditions incident to the right to cancel, the insurance company must demonstrate strict compliance. See, e.g., Coppola v. Insurance Placement Facility of Pennsylvania, 563 A.2d 134, 136 (Pa. Super. 1989).
For at least two reasons, Nationwide has not presented sufficient evidence to meet its burden of proof. As indicated hereinabove, to effectuate cancellation the Policy requires a named insured to either return the Policy to Nationwide or "notify[] us in writing of the future date cancellation is to take effect." Nationwide contends that the Policy was cancelled upon receipt by the Carr Agency on October 30, 2009 of the email from Terra from the address of firstname.lastname@example.com, stating, "I want my homeowners policy cancelled. Sincerely, Brian Lynn." Nationwide's Brief at 8.
This email, however, does not set forth the "future date cancellation is to take effect," and thus arguably does not comply with the "specific conditions incident to the right to cancel" set forth in the Policy. Coppola, 563 A.2d at 136.
Moreover, the email arguably does not express the clear and unambiguous intent of either of the insureds under the Policy. Lynn contends, and Nationwide does not contest, that he neither knew of, authorized, nor assented to sending the email. Lynn's Brief at 29. As such, the email does not express Lynn's intent to cancel the Policy. To the contrary, nothing in the record suggests that he ever held such an intention. Likewise, the email does not clearly or precisely express Terra Lynn's intention to cancel the Policy. Given the sender's address (email@example.com) and its contents ("Sincerely, Brian Lynn"), the email purports (falsely) to express only Lynn's intentions, not Terra's. Although Nationwide correctly notes that under the terms of the Policy, Terra, as a co- insured, had the authority to cancel the Policy (with or without Lynn's knowledge), the email using Lynn's forged signature arguably did not reflect her clear and unambiguous intention to do so.
Finally, Nationwide contends that even if the email did not effectuate a cancellation of the Policy, Terra's call to the Carr Agency on October 27, 2009, did so. In this regard, Nationwide argues that the above-referenced writing requirement for cancellation does not apply if "some overt action" by an insured demonstrates an intent to cancel, and that Terra's telephone call constituted such an overt act. Nationwide's Brief at 10. A review of the cancellation provision in the Policy, however, demonstrates to the contrary.
Any named insured may cancel this policy at any time by returning it to us or by notifying us in writing of the future date cancellation is to take effect.
We may cancel this policy only for the reasons stated in this condition by notifying you in writing of the date cancellation takes effect.
a) When this policy has been in effect for less than 60 days and is not a renewal, we may cancel for any reason by notifying you at least 30 days before the cancellation takes effect.
b) When this policy has been in effect for 60 days or more, or at any time if it is a renewal, we may cancel only for one or more of the following reasons by notifying you at least 30 days prior to the proposed cancellation date:
(1) this policy was obtained through material misrepresentation, fraudulent statements, omissions or concealment of fact material to the acceptance of this risk or to the hazard assumed by us;
(2) there has been a substantial change or increase in hazard in the risk assumed by us subsequent to the date the policy was issued;
(3) there is a substantial increase in hazards insured against by reason of willful or negligent acts or omission by you;
(4) you have failed to pay the premium by the due date, whether payable to us or to our agent or under any finance or credit plan; or
(5) for any other reason approved by the
Pennsylvania Insurance Commissioner.
This provision shall not apply if you have demonstrated by some overt act to us or our agent that you wish the policy to be cancelled.
Delivery of such written notice by us to you at the mailing address shown in the policy or at a forwarding address shall be equivalent to mailing. Proof of mailing will be proof of notice.
When this policy is cancelled, the premium for the period from the date of cancellation to the premium payment date will be refunded. The return premium will be pro rata. If the return premium is not refunded with the notice of cancellation or when the policy is returned to us, we will refund it within a reasonable time after cancellation takes effect.
Nationwide relies on the highlighted paragraph in support of its argument that any "overt act" by an insured may effectuate a cancellation of the Policy. We disagree. The phrase "[t]his provision shall not apply" in this paragraph refers to the immediately preceding paragraph (and subparagraphs), namely the one beginning with "[w]e may cancel this policy" and describing in detail when and under what conditions Nationwide may cancel the Policy (and its notice obligations if it does so). As discussed hereinabove, the first paragraph (beginning with "[a]ny named insured") provides that in order for an insured to effectuate cancellation, he or she must either (1) return the Policy to Nationwide, or (2) notify Nationwide in writing of the future date of cancellation. Nothing in the highlighted paragraph indicates that it is intended to modify or eliminate these two alternative methods of cancellation in favor of a more general and undefined "some overt act" requirement. As such, we cannot agree that Terra's telephone call to the Carr Agency, without more, effectively cancelled the Policy.
Lynn's fourth and fifth issues on appeal contest Nationwide's arguments to the trial court that Lynn's alleged violations of the concealment and fraud provisions of the Policy justify its denial of his insurance claim. According to Nationwide, it has no duty to pay Lynn because he "intentionally concealed or misrepresented material facts" when submitting his claim, particularly with respect to various items listed on his inventory of items damaged in the fire. Nationwide's Brief at 20-21. Based upon our review of the record on appeal, however, we agree with Lynn that the record contains sufficient evidence to create a material issue of fact to preclude the entry of summary judgment on these issues. In particular, Lynn insists that he did not provide the disputed list of damaged items to Nationwide in connection with his claim, and that Nationwide has not conclusively established that he made any misrepresentations with the intent to defraud or mislead.
Order reversed. Case remanded to the trial court for further proceedings consistent with this Opinion. Jurisdiction relinquished.
Judgment Entered
Deputy Prothonotary Date: 5/1/2013
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Kukla's Korner Hockey
Karlsson Skating, Could He Return Soon?
by Paul on 04/09/13 at 08:26 AM ET
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from Don Brennan of the Ottawa Sun,
People were stunned that the Senators would use a first-round pick to draft a 150-lb. defenceman from Sweden in the first place, never mind that, two years later and only a few meatballs heavier, the same kid would score 45 points in his rookie NHL season.
Nobody dreamed that, the very next October, at the tender age of 21, he would begin a march to the Norris Trophy, edging such imposing, polished veterans as Zdeno Chara and Shea Weber in voting done for the league's best blue-liner award.
But this? Really? This is something else.
Seven weeks after having his Achilles tendon sliced, Erik Karlsson has been on the ice with Senators skating coach Mark Power, making his way toward a comeback from an injury that's supposed to keep a normal human out of action for at least six months.
continued and you can watch a video of Karlsson on the ice here (CBC).
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How does this affect the CSI Ottawa investigation?
Posted by gretzky_to_lemieux on 04/09/13 at 08:56 AM ET
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Prices, promotions, styles and availability may vary by store and online.
Action - Semi-Auto
Caliber - .223 Rem./5.56 NATO
Barrel Length - 16"
Weight - 6.6 Lbs.
Sights - Flip-Up Post/Flip-Up Adj. Rear
The Stag Arms Model 2 is made to mil-spec standards and comes standard with a flip-up rear sight that makes it perfect for adding optics. The Model 2 has a 16" chrome-lined 4140 steel government profile barrel with manganese phosphate coating. The upper receiver is forged mil-spec 7075 T6 aluminum with type-3 hardcoat anodizing and a picatinny rail on top. The mil-spec 6-position synthetic stock is lightweight and weatherproof. The mil-spec single stage trigger has a non-adjustable 5 to 8 pound trigger pull and the handguard is thermoplastic with double heat shields. Additional features include an A2-style plastic grip, a mil-spec charging handle, an F-marked A2 front sight, a side sling swivel, and a bayonet lug. This rifle features a Diamondhead USA quadrail forend, adjustable back-up sights, and a 30-round magazine. Its stock, metal, and bore are all in very good condition.


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Opportunity to Serve – Listing 1101B
Printable version of this listing: Opportunity 1101B Handyman/Builder
1. Organization:
Church or Ministry Name: Northside Church of Richmond
Location: Richmond, VA
Pastor: Matt Lorish
2. Opportunity:
Job Title: Handyman/Builder
Job Description: Skilled tradesmen are needed to assist this church planter finish a basement to be suitable for housing church interns during summer months. The project would include framing, drywall, electrical, plumbing and include the installation of a bathroom.
Paid or Volunteer: Volunteer or Light Payment
Housing: Could be provided, if needed.
Special Qualifications: Training and experience in light construction and remodeling..
Hours per Week: As your schedule permits.
Worksite Location (in person, virtual, etc.): In person.
Expected Length of Need: Until completion of the project.
3. Contact Information:
The following person may be contacted to find out more about this opportunity to serve.
Name: Barbara Campbell
Title: MNA SecondCareer Facilitator
Email: email@example.com
Phone: 804-339-5005
4. About the Ministry:
Here is a brief paragraph (120 words) describing the church or ministry to be served (size, demographics, year started, etc.).
We are a PCA church plant in the Northside or Richmond, VA which is a diverse area that has both some of the wealthiest areas of the city as well as the most blighted. Some of the nicest homes in Richmond are in close proximity to homes that are boarded up. Some of the residents of the economically poor areas are rich in faith, culture, and relationships. And the beautiful condition of some of the homes of the Northside is often not matched by a corresponding beautiful home life. In this diverse area we know that God has been at work for many years, and we want to join in what He is doing here.
Please be advised that opportunity listings are based on information provided by the church or ministry seeking help. MNA lists these opportunities as a service to PCA ministries and individuals, but makes no representation as to the accuracy, suitability, or availability of the opportunity and does not assess the suitability or qualifications of any participants.
MNA SecondCareer is a ministry of Mission to North America, Presbyterian Church in America


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The Somerset Independent School System is seeking letters of interest for architectural Services on two upcoming projects.
See Public Notice Here
Somerset Independent School District held mock presidential elections at all three schools. Third and fourth grade students at Hopkins Elementary, and fifth grade through eighth grade students at Meece Middle, voted using an electronic polling system.
Cleck here for more information
Vendor supplied student Insurance opportunity;
K & K Insurance Group, Inc. offers:
K-12 Accident Plans available through your school:
• At-School Accident Only
• 24-Hour Accident Only
• Extended Dental
• Football
Somerset Independent School Board has approved the 2016-2017 School Calendar


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This little painting is remarkably detailed, and has a luminous textural quality in person. I used dozens of layers of translucent paint to create the confetti-like mix of colors that give this work its unique glow. The combination of tiny white daisies and large golden sunflowers in a copper pot evokes cheerful images of Sunday dinners with family and friends.
I love to work on paintings that are inspired by actual moments in my life. I discovered a worn old vintage frame in a shop in a Mexican village, and had a canvas stretched to fit. The vintage quality of the smooth oval wood frame seemed a perfect setting for a traditional floral composition. Sunflowers always represent lazy Sunday afternoons to me - and like the Velveteen rabbit, this miniature work of art displays a powerful presence when hung in a smaller space in need of a little love to bring it to life, such as on a dining room or kitchen wall, a reading space, or hallway niche. It comes ready to hang.
Artists oils
Oil painting by Mia Pratt
Oil paintingby Mia Pratt
Oil paintingby Mia Pratt
Oil paintingby Mia Pratt


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Aruna Senggigi
Select your stay dates to check availability at Aruna Senggigi
Aruna Senggigi
About the Hotel
Property Location
With a stay at Aruna Senggigi, you'll be centrally located in Senggigi and within the region of Mataram Mall and Pura Meru. This beach hotel is within the region of Bangsal Harbor and Mayura Temple and Park.
Make yourself at home in one of the 157 air-conditioned rooms featuring refrigerators and LCD televisions. Satellite television is provided for your entertainment. Private bathrooms with showers feature complimentary toiletries and hair dryers. Conveniences include desks and minibars, and housekeeping is provided daily.
Pamper yourself with a visit to the spa, which offers massages, body treatments, and facials. You can soak up the sun at the private beach or enjoy other recreational amenities including an outdoor pool and bicycles to rent. Additional features at this hotel include complimentary wireless Internet access, concierge services, and gift shops/newsstands. Getting to nearby attractions is a breeze with the complimentary area shuttle that operates within 1 km.
Grab a bite to eat at one of the hotel's 2 restaurants and 2 coffee shops/cafés, or stay in and take advantage of room service (during limited hours). Relax with your favorite drink at a bar/lounge or a poolside bar. For your convenience, a complimentary breakfast is served daily.
Business, Other Amenities
Featured amenities include express check-in, express check-out, and complimentary newspapers in the lobby. A roundtrip airport shuttle is provided for a surcharge (available 24 hours), and free valet parking is available onsite.
Hotel Facilities
- Free self parking
- ATM/banking
- Bar/lounge
- Full-service spa
- Free newspapers in lobby
- Porter/bellhop
- Terrace
- Garden
- RV, bus, truck parking
- Number of restaurants - 2
- Children's pool
- Barbecue grill(s)
- Parking (limited spaces)
- Free valet parking
- Safe-deposit box at front desk
- On private beach
- Concierge services
- Outdoor pool
- Year Built 1987
- Picnic area
- Express check-in
- Luggage storage
- Dry cleaning/laundry service
- Free breakfast
- Number of buildings/towers - 2
- Airport transportation (surcharge)
- Free area shuttle
- Spa services on site
- Express check-out
- Free WiFi
- Number of floors - 5
- Poolside bar
- Gift shops or newsstand
- Number of coffee shops/cafes - 2
- Tours/ticket assistance
- Total number of rooms - 157
- Swim-up bar
- Free long-term parking
- Designated smoking areas
Room Facilities
- Free toiletries
- Satellite TV service
- Minibar
- Daily housekeeping
- Room service
- Refrigerator
- Rollaway/extra beds available
- Hair dryer
- Air conditioning
- Room service (limited hours)
- Private bathroom
- Desk
- Shower only
- Free bottled water
Hotel Policy
Know Before You Go
- This property offers transfers from the airport (surcharges may apply). Guests must contact the property with arrival details before travel, using the contact information on the booking confirmation.
- Reservations are required for spa treatments. Reservations can be made by contacting the hotel prior to arrival, using the contact information on the booking confirmation.
- Up to 2 children 5 years old and younger stay free when occupying the parent or guardian's room, using existing bedding.
- Only registered guests are allowed in the guestrooms.
- No pets and no service animals are allowed at this property.
The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- Airport shuttle fee: IDR 300000 per vehicle (one-way)
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.
Mandatory Fees and Taxes
You'll be asked to pay the following charges at the property:
- New Year's Eve (31 December) Gala Dinner per adult: IDR 750000.00
- New Year's Eve (31 December) Gala Dinner per child: IDR 375000.00 (from 6 to 11 years old)
We have included all charges provided to us by the property. However, charges can vary, for example, based on length of stay or the room you book.Show all hotel policy Show less hotel policy