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Clinton Pushes Back Against GOP on Veterans' Health Issues
Clinton proposes improvements to veterans health care, services after her remarks criticized
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subset: commoncrawl


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Graco Bumper Baby Jumper, Little Jungle
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About this item
About this item
Important Made in USA Origin Disclaimer: For certain items sold by Walmart on Walmart.com, the displayed country of origin information may not be accurate or consistent with manufacturer information. For updated, accurate country of origin data, it is recommended that you rely on product packaging or manufacturer information.
The Graco Bumper Baby Jumper takes bouncy fun to a whole new level. It has all the features of a traditional baby jumper seat plus it comes with two soft, removable interactive toys attached to adjustable toy rings so you can bring them within baby's reach. With the soft bumpers, your wooden door frames are protected when the baby door jumper hits the frame. Take your little one on a safari with the cute Little Jungle pattern. Your child will love the adorable giraffes, elephants and monkeys playing across a whimsical background.
Graco Bumper Baby Jumper, Little Jungle:
- High-back nylon seat is removable and machine-washable
- Soft all-around bumper protects wood work
- 2 soft removable interactive toys attach to adjustable play tray
- Plastic dome keeps straps spread apart for easy in and out
- Spring-loaded no-mar clamp easily adjusts to door frame
Questions about product recalls?
Items that are a part of a recall are removed from the Walmart.com site, and are no longer available for purchase. These items include Walmart.com items only, not those of Marketplace sellers. Customers who have purchased a recalled item will be notified by email or by letter sent to the address given at the time of purchase. For complete recall information, go to Walmart Recalls.
|Boys , Girls
|Age Range:
|0 to 12 Months
|Maximum Weight:
|25 lbs
|Age Group:
|All Ages
|Fabric Material:
|Steel, poly-cotton, plastic
|Polyester , Nylon - Seat , Plastic
|Manufacturer Part Number:
|Multi , Green
|Assembled Product Dimensions (L x W x H):
|17.50 x 17.00 x 80.50 Inches
Customer Reviews | 251 reviews | 4.6 out of 5
Customer Reviews
Customer review by hilesmommy
I read TONS of reviews before "Santa" selected this for our 3 month old son. I thought that maybe he would be too young to truly enjoy this present but we placed him in the jumper on Christmas. He enjoyed sitting in it and it gave me a break from holding him since can't yet sit on his own. After a week he became a bouncy tigger. He absolutely adores the jumper and occasionally bounces to exhaustion and falls asleep in it. I love how it can be easily moved from door frame to door frame to where I am working in the house. The only complaint (and I realize that I only paid for a jumper) is the toys. He ripped them off when he was 3 months old and they have trouble staying on. At almost 4 months of age now, we already have the jumper as high as it can go without the double loop. We may have to find the directions or contact the company to make it higher but from the reviews that I had read that won't be a problem. I highly recommend this product and I know my son would too!
Customer review by MisterJP
My 3-month old is probably a bit young for this right now but seems to like it as much as can be expected at his age. He will sit in it and pushes himself around with his legs a bit but hasn't gotten the jumping thing down yet. He normally won't sit in it for more then about 10-15 mins before he starts to fuss. I'm sure it will like it more as he gets a bit older tho. Otherwise the product meets expectations. I can adjust it as close to or as far from the floor as I need and it clamps securely on the door frame.
Read all 251 reviews
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Questions will be checked against our question guidelines and posted within five to seven business days.
- Yes, but the bouncer is meant to "grip" the doorway. I can't imagine it would work on a beam.by dutchy19657/28/2015Was this answer helpful? (1) (1)Was this answer helpful?
- I wouldn't suggest doing that. There's nothing to secure it to the beam ad the plates run vertically to clamp a wall.by ItsyBitsySweetPea2/12/2016Was this answer helpful? (2) (1)Was this answer helpful?
- it open wide to fit any size even in my very very very old house!!!by atacia2/13/2016Was this answer helpful? (3) (2)Was this answer helpful?
- it will fit mine is 6 1/2 inches and there is more than enough space on the clamp to fit a wider door frame.by nrsbenn1/29/2016Was this answer helpful? (4) (1)Was this answer helpful?
- You wont have any problem getting this around your moldings. It opens nice and wide, and very easy too.by Kate20117/28/2015Was this answer helpful? (1) (1)Was this answer helpful?
- I attached mine one time to the beam between my living room and dining room and it never fell off. I did have to pop open the casing at the base of the clamp to allow it to spread wider. I don't know what the measurements of the beam was, however. It did not damage the bouncer in any way and it worked perfectly fine....however the company, of course, says you should never do this as it was designed for regular sized doorways.by AuntieHoHo1/29/2016Was this answer helpful? (5) (0)Was this answer helpful?
- no, on molding onlyby SweetMom112/16/2015Was this answer helpful? (1) (1)Was this answer helpful?
- If there is no lip on the doorway I don't think you can. It has a large spring loaded clamp and would require something to grasp.by HiGravity12/16/2015Was this answer helpful? (2) (0)Was this answer helpful?
- From what I can see it is impossible. The molding is what holds up the swingby b7281/7/2017Was this answer helpful? (4) (3)Was this answer helpful?
- YOu have to either attach some kind of molding yourself then, or out in on a doorframe in your house. This jumper comes with a clamp, so it HAS TO have something to clamp onto, to hold it up.by missJML1/7/2017Was this answer helpful? (3) (1)Was this answer helpful?
- I MADE MY OWN MOLDING BY BUYING A PIECE OF WOOD FROM HOME DEPOT AND U CAN GET IT CUT THERE,I GOT IT FIXED BY DRILLING IN MY WALL & THEN PAINTING THE MOLDING.by loftyyh5/3/2016Was this answer helpful? (8) (0)Was this answer helpful?
- you need molding.by nrsbenn12/16/2015Was this answer helpful? (4) (0)Was this answer helpful?
- The 80" height is not fixed and includes adjustable straps, however there is about 3-4 foot section that doesn't disassemble or bend well where the spring is. Also with the size of the seat and other parts it would take up a significant portion of a large suitcase. Too many variables to say for sure so buy it where you can easily return it.by HiGravity8/28/2015Was this answer helpful? (0) (0)Was this answer helpful?
- good n easy to pack in a small bagby atacia2/6/2013Was this answer helpful? (0) (0)Was this answer helpful?
- perfect! Will fit in a standard size suit case with out having to disassemble.by b7281/7/2013Was this answer helpful? (1) (0)Was this answer helpful?
- Yes. It came in a box already assembled except for the seat cushion and the box was smaller than the average suit case. Perfect for traveling.by b7288/28/2015Was this answer helpful? (1) (0)Was this answer helpful?
- No, it is not a fixed height. When you take it down, it compacts to the same size as the tray. I don't think the rod can be detached. I've never attempted it but it doesn't seem like it would detach. But it will compact all the way down so I don't think there would be a need to do that. As long as the white tray with the brown bumper around it will fit in the suitcase, so will the rest of it.by DaynaM1/7/2013Was this answer helpful? (1) (0)Was this answer helpful?
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Spanish police catch a UK criminal
29-04-2015 15:00
A man is from the UK. He is a criminal. He gets a lot of drugs. He sends a lot of drugs. He is very good at it.
He goes to Spain. The UK says that he is a fugitive. The police want to arrest him.
Someone kills a person in Spain. This person is from the UK, also. The Spanish police spy on the man from the UK.
The UK police says that it wants to arrest the man. The UK and Spanish police work together. The Spanish police catch him.
Difficult words: criminal (a person who does bad things), fugitive (a person who hides from police), spy (to watch secretly).
You can read the original story and watch the video in the Level 3 section.
How to improve your English with News in Levels:


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Re: Bummer...
Re: Bummer...[ Edited ]
No surprise. My favorite part about NDI's response is trying to justify how HORRIBLE this game looks. NDI is in total denial about alot of things, or they are on one of the most sophisticated and elaborate trolls of ALL TIME. Either way, it makes NDI look bad.
All the feedback in the world about some basic things in the game, like matchmaking, like party splits, like blindfire, like ROF, like all the varients of SA, and all the stuff that any average fan can tell you is wrong with this title, fell on deaf ears. Either that, or NDI cannot fix it and they don't have the balls to say so.
Well played NDI, as always, well played. I hope the money grab from this title fuels a better experience for the fans on future titles. I don't know how you went retrograde in quality since UC2, but that crap has to stop, for the love of baby Jesus.
The game appears to be a financial sucess for NDI. Too bad it was at the expense of the fan base, the quality of the title, and the respect of many a fan.
Botched. Horribly botched. Across all gametypes and modes there are tons of bugs, glitches, and unpolished aspects everytime you turn around in this game.
Is the character movement/weapon play (in theory) superior? Yes it is. It's they only reason I continue to play the title. Regardless of what mode or gametype I play, I constantly say to myself..."why doesn't that work?" "I''m stuck in the scenery" "Wait, I unloaded two clips in a guy's face, got ZERO hit markers, then got Para-9'd in like 3 shots," or some such COMPLETE BULLSCHLACA that shouldn't be happening in the first place.
That's how I describe the game to folks who don't have it. I NEVER recommend this game. NOT like UC2.
Can you guess why?
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Course overview
Our Masters course is a direct response to the rising demand for well-trained ICT managers, which is forecast to grow by 2% a year between 2011 and 2020 according to e-skills UK.
Management skills are taught through modules such as 'Managing People and Project Leadership', 'Project Management and Control' and 'Project Risk and Quality Management'.
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Sunderland is among the UK's top ten universities in terms of 'spend per student' for IT, according to The Guardian University Guide 2013.


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Economic Snapshot
Our Ecomonic Snapshot offers news about the world economic atomsphere and how it may affect your bottom line.
Industry News
California Takes Lead In Water Reuse
U.S. water reuse capacity will increase 58% over next ten years.10/03/2016
Kennedy Will Deliver Water Conference Keynote
William M. Kennedy IV, P.E. of Duke Energy Corporation is the keynote speaker of the International Water Conference.09/28/2016
U.S. Water's PhosZero Is R&D 100 Finalist
U.S. Water is selected as a finalist by the R&D 100 Award Program for its PhosZero antiscalant and corrosion inhibitor, cooling water chemistry.09/26/2016
OSHA Outlines Settlement Approval In Whistleblower Cases
The guidance is designed to ensure that settlements do not contain terms that could be interpreted to restrict future whistleblowing.09/16/2016
Green Chemistry Drives Market Opportunities
The increasing demand for greener products, the growing need for cost-effective processing, cheaper feedstocks and new product avenues are driving the commercialization of alternative chemical products.08/26/2016
OSHA Fines Tyson Foods For Multiple Hazards
Amputation at Tyson Foods exposes chemical, fall and fire hazards at Texas plant.08/23/2016
Canadian Refinery Installs GE Wastewater Technology
Federated Co-Operatives Limited will reuse 100% of its water.08/19/2016
SOCMA President Takes Position With American Industrial Hygiene Association
President and CEO Lawrence D. Sloan will leave in mid-October to accept a position with the American Industrial Hygiene Association.08/17/2016
EU Targets South Korea In Anti-Dumping Probe
European and American authorities investigate South Korea's petrochemical sector.08/15/2016
IChemE Names Finalists For Global Awards 2016
The winners will be revealed on November 3 in Manchester, UK.08/12/2016
Groups Challenge U.S. Presidential Candidates To Address Issues
Over 50 leading American nonpartisan organizations call on presidential candidates to address major issues in science, engineering, technology, health and the environment.08/10/2016
European Chemical Industry Expresses Concern Over Endocrine Disruptors Criteria
Criteria for identifying endocrine disruptors in pesticides and biocides is insufficient to protect people and the environment says trade group.08/10/2016
DOE Awards Farnesene Contract To Amyris
Multi-million dollar contract will further manufacturing of cellulose-derived farnesene for biofuels.08/09/2016
CEPA Fails To Curb Harmful Emissions In Canada
The effectiveness of Canada's major environmental law is under review.08/08/2016
U.S. And Canada Work On Joint Risk Assessments
Chemical companies hope for greater progress on joint assessments over the coming year.08/03/2016
Walmart Asks Suppliers To Eliminate Host Of Chemicals
Retailer urges its suppliers to drop eight controversial chemicals used in household items.08/03/2016
Golf Courses Lobby Against Pesticide Reforms
Chemical companies and golfing groups spend millions on lobbying.08/02/2016
Covestro Upgrades Chemical Transport In China
German chemical manufacturer works with local logistics companies on 12 emergency response stations across the country.07/27/2016
UK Plastic Waste Threatens Arctic
Plastic waste originating off the UK's coasts presents a clear threat to wildlife in the fragile Arctic Circle.07/19/2016
Indian Rapper Takes On Dow
Indian rapper Sofia Ashraf pens rhyme about Bhopal disaster and calls out chemical company.07/19/2016


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When it comes to personalized t-shirt, you have two major options. One is t-shirt embroidery while the other is t-shirt printing. http://www.mypersonalisedclothing.com/ offers high quality t-shirt printing. There are people who prefer embroidered personalized t-shirt while other people would love printed personalized t-shirt. If you are confused on which of the two options to use, here are some comparison which could help you in choosing between embroidery and printing for personalized t-shirt.
1. Purpose – The first thing you should consider is the purpose of the personalized t-shirt. If you are planning to use the t-shirt for marketing, promotional campaigns or advertising, then it is more efficient to use t-shirt printing. Organized events also prefer printed t-shirts to distribute to the attendees. On the other hand, t-shirt embroidery is perfect in creating logo designs for uniforms including student uniforms and employee uniforms. Personalized sports jerseys are also using t-shirt embroidery for team uniforms from local tournaments to professional sports.
2. Budget – You should also consider your budget for personalized t-shirt. T-shirt embroidery costs a little higher than t-shirt printing. If you have limited budget and would need multiple personalized t-shirts, t-shirt printing might be the better choice.
3. Design Size – T-shirt printing is perfect for full size designs while t-shirt embroidery is suitable for logos and branding.
4. Color – The cost for t-shirt printing would vary depending on the number of colors used on the design. On the other hand, multicolored embroidered design would cost the same with plain designs.
5. Availability – The availability of printing or embroidery services could sometimes affect the cost and quality of the product. If there are many shops which provide t-shirt printing and only one shop for t-shirt embroidery, chances are you will get what you need among the t-shirt printing shops.
6. Toughness – When it comes to durability of the design, t-shirt embroidery is sturdier than t-shirt printing. Embroidered design would last for several years while printed designs often last around a year or less.
7. Finish – Though both industries have advanced to a point where they could provide quality finish, each method can provide different finish. T-shirt embroidery can give the design dimension and depth while t-shirt printing can provide more range on the finish.
Before you decide to hire a shop to make your personalized t-shirt, inquire first if they can do the design you like. Also ask for the sample so you will know the quality of the finished product. Do not hesitate to ask any questions if you are confused or having doubts to choose the most suitable method for your personalized t-shirt.
Outsourcing is now the name of the game, which can be applied to bookkeeping operations. It may be very expensive to employ a full-time bookkeeper who needs to be placed on a payroll, with other costs such as retirement plans, worker's compensation, other benefits, employer payroll taxes, and medical insurance. Other additions such as sick days and vacation leaves have to be taken into consideration as well.
Looking for the right individual to fit an in-house bookkeeping service can be expensive. Time and money are all right there in placing classified ads, screening, interviewing, testing, and training hired personnel. The money and time spent could have gone towards the improvement of the business and company instead.
Outsourcing online bookkeeping services, on the other hand, do away with all these expenses and provide even more benefits for the business. The fees are very competitive which can give a business the choice and flexibility to choose the right team to work on the seasonal need.
It has also been found that outsourcing bookkeeping needs can spell an incredible 40% savings for the business! Fee structures are included in outsourcing bookkeeping that will be based on the overall structure of the business and the number of transactions.
Neuro Linguistic Programming has been around for more than 3 decades and the methods involved have helped a lot of businesses grow. Here are the business benefits you get from NLP training.
It helps you plan effective strategies
The basic concept behind NLP is improving how a person communicates, and processes thoughts and ideas. As a leader, training in NLP can help you gain better vision and insight, which eventually leads to more effective strategies for the future of the business. NLP can help you list down attainable goals for you and the company's employees. And in the business world, failing to plan equates to planning to fail.
Boosts morale and motivation
Your employees are the company's greatest assets. High attrition rates are usually caused by low morale and lack of motivation amongst employees. NLP training helps employees gain confidence and realize their self-worth. It can also improve teamwork by helping employees understand the communication styles of others and adjust theirs accordingly for better coordination. And when they are happy with themselves and with the people around them, employees tend to stay longer with the company.
Enhances productivity and increases profits
By improving how people think and work, NLP training provides you and your employees with a deeper knowledge of your particular job roles. It can also help individuals take on new skills to improve on their jobs because they are using proven methods that lead to their success. And when employees are more productive, you can expect a sharp increase in profits as well.
Gives the company a definite advantage
NLP not only helps you improve how you think but also gives insight on how others think as well. This is a definite advantage because you will be able to predict a rival's business strategies. You will always be a step ahead of your competitors.
These are just some of the known benefits of NLP training for you, your employees, and the whole business and just the tip of the iceberg. It is a worthy investment that has proven to be effective in helping businesses grow. The benefits you will get will definitely overshadow the cost. There are a load of real testimonials on http://www.tobyandkatemccartney.com NLP training provider site, NLP is the real deal.
FCA or Financial Conduct Authority is an independent organization in the United Kingdom which monitors and controls the stability of the financial services industry and very strict in imposing the guidelines and regulations they implement. In order for financial firms to correctly follow the guidelines and regulations, they often hire an FCA compliance consultant or FSA compliance consultant for assistance. With hundreds of companies looking for a compliance consultant, many compliance consultant firms are offering their services. And choosing the right one could become a challenge for financial firms. Here are some guidelines on what to look for in an FCA compliance consultant.
1. Experience – Experience is an important criteria in choosing a compliance consultant. Compliance consultants with experience know the ins and outs in dealing with the FCA requirements and regulations. They can provide accurate initial risk assessments as well as the right procedures for the company to meet the requirements of the FCA.
2. Credentials – There are many compliance consultant firms which boast experienced compliance consultants in their firm. However, not all of them have good track records. Some receive positive feedback from their clients while others are just average or even negative feedbacks. Choose the compliance consultant firm that has great credentials in order to receive quality service.
3. Performance – Experience and credentials will not matter if the performance of the compliance consultant is subpar. Do not hesitate to cut the services of the compliance consultant if you feel that his performance and actions are not contributing to the company. Even without waiting for the result, poor performance would lead to poor result so it is better to change and look for another compliance consultant and not waste precious company funds for subpar services.
4. Results – Result is the most important aspect in choosing and retaining the services of a compliance consultant. If there is a positive business development within the company after acquiring the services of the compliance consultant then continue using their services. If your company was able to meet the requirements and regulations of the Financial Conduct Authority then the compliance consultant is doing a great job and backed up by visible positive results. Performance can only be seen as great if backed up by the results. No matter how organized and smooth the services of the compliance consultant, it will be useless if no positive results are attained.
5. Cost – Not all companies have unlimited funds to spare for hiring a compliance consultant. Choose among the compliance consultants that are within your company budget. Compliance consultants offer many services to help your company. Only ask for the services which are important for the development of the business.
An FCA compliance consultant will not do everything for your company. However, a great compliance consultant will provide proper guidance in making sure the procedures in your company are in line with the regulations and requirements of the Financial Conduct Authority. And that is what to look for in an FCA compliance consultant.


text:
I was sent this review from a friend who saw it posted in her group. It's not live on the site yet, so I'm not sure what the rules are about posting it officially, but I am so beside myself thrilled I had to share.
It's a gold star review from Just Erotic Romance Reviews and I'm honored beyond belief just for that reason, but this book is incredibly close to my heart and I had a ridiculous number of ups and downs on the road to publishing it, that every word Mahaira said is like the most exquisite gift I could receive.
See, this book, this is what I write. I have so much fun writing the short, hot, sexy stuff, but when I turn out a story like this one, I feel like I fulfilled a little piece of my destiny. It hits deeper, it means something. I said when I was promoting this book, this one was special and to see it appreciated by someone, means more then I (the writer lol) can express properly.
Okay, I'll shut up now...here's the review. :D
The Day They Met
Despite having everything, Jack Sinclaire craves passion and spontaneity in his life. A drab mundane existence was never his goal and feels quite lost when he has no one to share his dreams with. One look at Emma Hallowell at the Orange County Animal Shelter and color rushes back into his surroundings and his life. There is definitely something magical about the day they meet but how is he going to convince Emma to forget her previous existence and accept his love?
Ms. Lucas stole my breath with incredibly endearing wonderful characters, a fast paced storyline and a surprise ending. This book has everything I look for and want in a romance novel. It is clear that Emma is seeking refuge from her past and has loads of baggage. It is just amazing how she finds the inner strength to break free of all the restrictions that seem to weigh her soul down. She surprises everyone during the story. Jack has to be applauded for being a support pillar and a gentleman. He clearly astonished me with his thoughts and feelings about romance, marriage and family life. I was never a believer in love at first sight but Jack convinced me that the feeling erupts from within and strikes individuals on its own accord. The pull is instant and the chemistry between them is sizzling. The relationship just blooms right in front of your eyes and sometimes you have to pinch yourself to bring yourself back to reality. Though both characters are no strangers to sex, their joining is almost sacred as love is evident in every move. The finely-written and sensitive plot makes this Ms. Lucas most emotionally driven novel yet! The story is ingeniously written complete with a shock that knocked my socks off! What makes The Day They Met deserving of the Gold Star Award is its skillful mixture of emotions, suspense, romance, betrayal, revenge and unbound love. That would seem to be too much to tackle in a tale but I found it all in the right balance here. Be prepared to go on an emotional roller coaster ride with The Day They Met!
Mahaira Fatima


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SYMPOSIUM FAITH + ART: Express Your Internal Narrative
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Wednesday, August 21, 2013 at 7:00 PM (EDT)
We'll explore the use of storytelling elements and structures that writers have used for ages as an examination of our lives. If you're an artist, you're telling a story. If you're a human, you're living one. Join us for an interactive discussion as we discover how faith and story intersect.
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The European Commission published its draft proposal of a regulation regarding European long-term investment funds ("Draft Proposal") on June 26, 2013, heralding the creation of a new type of fund with a long-term investment horizon. The ELTIF regime is intended to address specific needs of investors (such as insurance companies and pension funds) that commonly invest on a long-term basis. The asset classes in which ELTIFs are permitted to invest are expected to provide investors with long-term, stable returns. By permitting the marketing of ELTIFs to retail, as well as institutional, investors, the Draft Proposal offers retail investors the opportunity to gain exposure to long-term capital appreciation. The creation of ELTIFs aims to strengthen Europe's "real" economy – the access to patient (non-bank) "capital" to finance long-term projects (especially tangible assets and infrastructure projects with long lives) is to be eased for businesses.
The Draft Proposal requires an ELTIF to adhere to strict investment rules. First, it may invest only in so-called "eligible investment assets" – these are the assets in which an ELTIF may invest all of its capital. Second, except for "real assets," an ELTIF may invest only in instruments issued by a so-called "qualifying portfolio undertaking." However, a difficulty is presented in that the Draft Proposal contains no definition of the term "real assets" – even the recitals provide only a few references to the term (referring to "real estate and other real assets" in one section, to "companies not listed on the stock exchange and comparable real assets" in another and expressly mentioning real estate, vessels and aircraft in a third). Given the enormous significance of the term, a legislative clarification will doubtless need to be included in the final regulations.
"Eligible investment assets" are, subject to the concentration limits discussed below, essentially: (i) equity or quasi-equity instruments; (ii) debt instruments; (iii) loans granted by an ELTIF (however, loans themselves may not be acquired); (iv) investments in other ELTIFs; and (v) direct holdings of individual real assets that require an up-front capital expenditure of at least €10 million.
A "qualifying portfolio undertaking" is defined as an undertaking that: (i) is established in an EU member state or a third country that meets specific requirements (e.g., compliance with the standards laid down in Article 26 of the OECD Model Tax Convention); (ii) is not a company listed on a regulated market or multilateral trading facility within the meaning of MiFID;1 and (iii) is not a financial undertaking. Therefore, an ELTIF may not invest in financial undertakings (i.e., credit institutions, MiFID investment firms, insurance companies, and financial holding companies) – in line with the objective of the Draft Proposal to strengthen the financial base of the "real" economy. However, the Draft Proposal provides for an exception if the financial institution itself exclusively finances "qualifying portfolio undertakings" or the above-mentioned real assets.
Above and beyond the eligible investment assets, the Draft Proposal grants the manager of an ELTIF the ability to permanently invest up to 30% of the ELTIF's capital (determined on a committed capital basis) in liquid assets (primarily securities, bank deposits, money market instruments and UCITS) to enable the manager to manage the ELTIF's liquidity and cash flows in the phase of building the portfolio of long-term assets. Under certain circumstances (e.g., with additional capital call-ins), the ELTIF is also allowed to temporarily invest a higher proportion of its capital in such liquid assets.
The Draft Proposal prohibits investments in assets that could lead to a conflict of interest between the manager of, and the investors in, the ELTIF. Accordingly, an ELTIF is not allowed to invest in assets in which the manager has a direct or indirect interest, nor can the ELTIF effect short sales, or gain direct or indirect exposure to commodities.2
Because the nature of long-term investments makes the risks arising from concentration in a few assets rather difficult to manage, the Draft Proposal sets forth specific diversification rules. For example, no more than 10% of the capital of the ELTIF may be invested in: (i) assets issued by the same qualifying portfolio undertaking; (ii) an individual real asset; or (iii) the interests of any single ELTIF. The investment restrictions stated in (i) and (ii) may be raised to 20%, provided that the aggregate value of the ELTIF's investments in qualifying portfolio undertakings and in individual real assets that account for more than 10% of the ELTIF's capital does not exceed 40% of the value of its capital.
The Draft Proposal does not stipulate issuer limits in regards to qualifying portfolio undertakings or real assets, although those set out in the UCITS Directive will apply in relation to the above-mentioned liquid assets. In addition, an ELTIF is not allowed to acquire more than 25% of the interests of a single ELTIF.
Pursuant to the Draft Proposal, ELTIFs may borrow in an amount up to 30% of their capital, provided that, among other things, the borrowed cash is used for the acquisition of eligible investment assets and the credit agreement is denominated in the same currency as the assets to be acquired with the cash raised.
Due to the limited nature of the assets in which an ELTIF may invest, the ELTIF does not qualify as an undertaking for collective investments in transferable securities ("UCITS"). Rather, an ELTIF is subject to the AIFM Directive.3 Consequently, ELTIFs may be managed only by companies that are properly authorized as alternative investment fund managers ("AIFMs") in accordance with the AIFM Directive, and also that must be established within the European Union. In addition to the authorization requirement under the AIFM Directive, the Draft Proposal requires the manager of an ELTIF to obtain an explicit authorization to manage ELTIFs, which will be granted only if the manager complies with all the requirements of the ELTIF regulation. A separate authorization is required for the management of each ELTIF, which arguably means that a manager can manage both ELTIFs and non-ELTIFs.
The manager is responsible for ensuring that the ELTIF complies with the requirements of the ELTIF regime at all times. While the Draft Proposal states that the manager is liable for all damages and losses resulting from the failure to discharge its duties under the ELTIF regulation, it is unclear who would be entitled to such damages. Although investors would appear to be the stakeholders who might suffer loss as a result of the ELTIF manager's failure, it is unclear whether other persons may also have a cause of action – the wording of the Draft Proposal certainly does not preclude such an interpretation.
Moreover, the Draft Proposal requires the ELTIF (which arguably means the ELTIF manager) to apply for authorization from its home regulator, using the same authorization process as under the AIFM Directive. A complete application must be considered (and either approved or rejected) within two months, and will only be granted if certain conditions are satisfied – for instance, the ELTIF must meet all requirements of the ELTIF regulations and the competent authority must approve the ELTIF's "fund rules."4
Since large infrastructure and similar projects usually require a huge amount of capital, which may not be available when raised in only one member state, the Draft Proposal allows, under certain conditions, EU-wide marketing of interests in ELTIFs to retail investors. Authorized ELTIFs may, in principle, therefore be marketed to both institutional investors and retail investors in member states other than their home member state.
In legal terms, the framework for the marketing of interests in ELTIFs builds upon the provisions of the AIFM Directive on cross-border marketing, but broadens its scope by providing for a "European passport" for marketing to retail investors.
This "European passport," however, entails certain regulatory costs. To try and ensure the protection of retail investors, the Draft Proposal sets forth requirements, non-compliance with which can have serious consequences. For example: (i) the fund rules or the statue of the ELTIF must explicitly provide for the principle of equal treatment of all investors; (ii) the ELTIF may not be structured as a partnership; (iii) retail investors must have the right to revoke their subscriptions during the drawdown period and at least two weeks after a capital call has occurred, and to demand repayment of the amount paid. Pursuant to the wording of the Draft Proposal, a retail investor may exercise the right in (iii) even after investments have already been made (and the longer the drawdown period, the greater the risk that an investor will exercise this right). Since this has the obvious potential to lead to liquidity difficulties for the fund, it would be desirable if the Draft Proposal were revised in relation to this point.
Given the inherent lack of liquidity of eligible investment assets, the Draft Proposal does not prescribe minimum investment holding periods, but instead implicitly assumes that the ELTIF manager is best suited to determine how long the ELTIF should remain invested in an asset in order to achieve the desired return.
However, with regard to the term of the ELTIF, the Draft Proposal is more stringent. While no fixed minimum term is prescribed, the term of the ELTIF must be long enough to cover the life cycle of each of its assets and to facilitate the achievement of the stated ELTIF investment goal. More detailed rules on this will follow in due course. In any event, the Draft Proposal requires that the term of the ELTIF must be clearly stated in the form of a specific date in the fund rules or in the statue of the ELTIF, and must be disclosed to the investors.
The Draft Proposal expressly provides that investors cannot redeem their interests before the end of the ELTIF's term. Rather, redemption is permissible no earlier than the day following the end of the ELTIF's term. The illiquid nature of the assets held by the ELTIF is one reason why early redemption is not allowed. Moreover, this limitation should also lessen potential conflicts of interest between investors wanting to exit the fund and those preferring to stay invested. For the protection of investors, the Draft Proposal requires the ELTIF to disclose the fact that early redemption is not allowed prior to the end of the ELTIF's term, in a prominent place in the prospectus as well as in any other marketing materials.5 The purpose of this requirement is to diminish the possibility that investors have false expectations with respect to the liquidity of an investment in an ELTIF.
Finally, the Draft Proposal also requires that each ELTIF prepare a schedule – itemized by individual assets – for the orderly disposal of its assets. The Draft Proposal, however, does not stipulate the time when this must be prepared.6
The Draft Proposal gives the ELTIF the right to make distributions of income (but only to the extent that such income is not required for future investments). This right extends to regular income and the capital appreciation realized after the disposal of an asset. The latter explicitly excludes the original capital commitments made. This means that an ELTIF may only make distributions of proceeds arising from the disposal of assets to the extent that the disposal results in a net profit. Arguably, all other proceeds are to be distributed when the ELTIF is liquidated after the end of its term.
The creation of ELTIFs is closely linked with other European initiatives in the field of investment law, such as the establishment of the European Venture Capital Fund (EuVECA) and the European Social Entrepreneurship Fund (EuSEF). For further information regarding the EuVECA and EuSEF regimes, please refer to European Fund Regulation – Just Like London Buses? in this Quarterly Report. Unlike these products, ELTIFs are not intended to facilitate the funding of specific "niches" of the EU economy (venture capital funded start-ups in the former case, and companies whose activities will have a social impact in the latter case), but to contribute to improving the financing environment for all undertakings of the real economy. Whether this goal can be achieved with the ELTIF regulation remains to be seen. From a purely legal point of view, it should be noted that many provisions of the Draft Proposal are still unclear and would benefit from guidance and revision.
1 Directive 2004/39/EC of the European Parliament and of the Council of April 21, 2004 on markets in financial instruments.
2 It is unclear whether an ELTIF is also prohibited from holding equity instruments issued by an undertaking that both satisfies the "qualifying portfolio undertaking" definition and is active in commodities mining and/or trading. The wording of the relevant provision ("indirect exposure") would suggest that such an investment cannot be made. However, this interpretation would not be in line with the spirit of the ban, which is to prevent an ELTIF from engaging in commodity speculation. An argument could certainly be made that the mere financing of commodity undertakings should not qualify as commodity speculation.
3 It is doubtful whether the minimum size exemption of the AIFM Directive applies. First, since the Draft Proposal explicitly states that an ELTIF and its manager shall comply at all times with the requirements of the AIFM Directive. Second, the Draft Proposal expressly provides that only an EU AIFM authorized under the AIFM Directive shall manage an ELTIF.
4 It is unclear whether the term "fund rules" includes an ELTIF that is constituted under statute. This is especially problematic in Germany, since investment funds in which investors do not have the right to redeem their interests at least once per year may not be constituted by contract but must be constituted under statute. As described under "Term of the Fund and Holding Periods for Investments," the Draft Proposal provides that investors cannot redeem their interests prior to the end of the ELTIF's term.
5 in the case of marketing to retail investors, the fact must also be disclosed in the so-called "basic information sheet."
6 Given that the requirements for the schedule are rather detailed, and therefore the preparation of the timetable is not merely a formality, a clarification in this regard would be desirable.
See more »
DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© Dechert LLP
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Beyond the Reading Wars by Robyn Ewing
Book DescriptionUseful for teachers and parents of primary children struggling to undertand the often bitter debate related to teaching of reading. Specially the meris or disadvantages of using so-called whole language versus phonetics methods. Explores the history and latest research about reading process and pedagagy with practical tips and insights.
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Book DetailsISBN: 9781875622665
(245mm x mm x mm)
Pages: 160
Imprint: Primary English Teaching Association (PETA)
Publisher: Primary English Teaching Association (PETA)
Publish Date: 1-Jun-2006
Country of Publication: Australia
Books By Author Robyn Ewing
Language and Literacy Development in Early Childhood, Paperback (June 2016)
This book provides pre-service and practising teachers with an accessible, integrated approach to language and literacy learning in early childhood.
Curriculum and Assessment: Storylines, Paperback (September 2013)View all books by Robyn Ewing
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Haberl-Petrowiak to marry
FAIRMONT – Molly Hannah Haberl and Eric Leonard Petrowiak announce their engagement and upcoming marriage.
Parents of the couple are Jay and Bernie Haberl of Ames, Iowa, and Steve and Cheryl Petrowiak of Fairmont.
Molly graduated from Boone High School in 2008, Iowa State University in 2011 with a bachelor's degree in marketing and management, and Boise State University in 2013 with a master's degree in business. She works as an account manager for Clearwater Analytics in Meridian, Idaho.
Eric graduated from Granada-Huntley-East Chain High School in 2006 and Iowa State University in 2010 with a bachelor's degree in software engineering. He works as a QA developer for Scentsy in Meridian, Idaho.
A Sept. 28 wedding is planned in Ames, Iowa.


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iHerb Customer Reviews
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Estate Law
Estate Law Questions? Ask an Estate Lawyer.
Thank you in advance for your time. This question comes from California. We have reason to believe the trustee of our late father's estate as mishandled the funds, and she is ignoring our request to provide a trust accounting which is required by law. We hired an attorney to help us in the matter and he has filed a lawsuit. Her attorney demurred on the grounds of statute of limitations (it's been 5 years) but the demurrer was denied by the judge. We thought this meant that she would have to provide an accounting now, but our attorney has advised us that this is merely the beginning of the process, and we need to hire our own forensic accountant to investigate the estate finances as our case moves into the discovery period -- at considerable cost to us ($30,000). His position is that we must have some ammunition for the case when her side presents the accounting, otherwise we won't be able to argue if we disagree with it. I understand he is trying to win this civil suit he has had us file against her but we aren't even sure if we want to sue her for wrongdoing until we see the trust accounting she produces. 1) Isn't there a cheaper alternative to force her to provide the accounting which she is required to provide by CA law? Our attorney is only offering us this one $30,000 solution. Response 1: Your Attorney should start with Discovery Request asking her to produce documents regarding the estate. The Attorney should also send her Interrogatories and Request for Admissions. However, the Request for Production of Documents is the most important. If she refuses to comply with the Discovery Request, then your Attorney should file a Motion to Compel her response and for sanctions. If she produces most of the documents that you are asking for, then the lawsuit can be withdrawn at that time thereby saving you quite a bit of money. 2) Assuming there is a cheaper way to get this accounting, if we disagreed with it couldn't we then decide to pursue the matter in court? It just feels like we're coming from this a little backward Response 2: You need to conduct Discovery Requests. Since she has been uncooperative for quite a long time, I do not see any way around filing a lawsuit to force her to produce the documents. However, at this time hiring a "forensic accountant" is premature. Your Attorney should use the Discovery Requests to get the information that you looking for.


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As England Goes, So Goes Europe
Latest update: May 20th, 2013
Nor do I recall any protests against Hamas for its firing thousands of missiles at Israeli cities, towns and villages for years, not to mention terrorizing over 250,000 men, women and children who have spent the better part of the past three years running to bomb shelters several times a day.
That a country which has never produced a single suicide bomber, which never lobbed missiles indiscriminately into Gaza's cities, which feeds and provides humanitarian aid to its enemies in the midst of war and went to the extraordinary length of contacting civilians in Arabic by cell phone telling them in advance to vacate targeted areas used by terrorists (as happened during the Gaza war) – that such a country should be so reviled and hated verges on moral bankruptcy.
In many ways, Jews are the barometers of the societies in which they live – the canary in the mineshaft of democratic societies – which accounts for why the U.S., Canada and Australia remain resilient, vibrant democracies where minorities continue to thrive. But these countries have become more the exception than the rule. The history of the 20th century suggests that as it has gone with the Jews, so it has gone with democracy, and as it has gone with democracy, so it has gone with the Jews.
By that standard, the reaction to the Gaza war and the global economic downturn foreshadow a difficult period ahead not just for British Jewry, but for British and, by extension, European democracy. The results of a recent Anti-Defamation League survey show that 31% of Europeans blame Jews for the worldwide economic meltdown (including more than half of Hungarian, Polish and Spanish respondents) and 40% of Europeans believe Jews have too much power.
There is little doubt that the Gaza campaign merely provided a pretext to unleash deep-seated anti-Semitism in Britain and across Europe. And nothing proves the need for a Jewish state more than the persecution of Jews outside of it.Mark Silverberg
About the Author: Mark Silverberg is a foreign policy analyst for Israel's Ariel Center for Policy Research; a contributing editor for Family Security Matters and the New Media Journal; and a member of Hadassah's National Academic Advisory Board. His book "The Quartermasters of Terror: Saudi Arabia and the Global Islamic Jihad" and his articles have been archived at www.marksilverberg.com and www.analyst-network.com.
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If you promote any foreign religions, gods or messiahs, lies about Israel, anti-Semitism, or advocate violence (except against terrorists), your permission to comment may be revoked.


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Printable PDF
Vendor: Microsoft
Certifications: Microsoft Dynamics CRM
Exam Name: Microsoft Dynamics CRM 2011, Customization and Configuration
Exam Code: MB2-866
Total Questions: 75 Q&As
Last Updated: Jan 17, 2017
Exam retired
Sat and passed the exam after months of study and several 'lab installs' I did find it strange the whole test is pretty much based off of maintaining voice networks rather than installing them. Now when I can be assed to finish my CCNP Route is a different story. But quickly flicking through this dump you could pass the exam with it but there are some new ones in there as well but if you've read the material and practiced enough it should be a walk in the park.
Passed it today with score 950. Very good stuff
Still valid. I got 900.
This dumps contains redunant questions and few errors, but definitly enough. :)
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