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The way we communicate with people has changed. We now have access to a whole range of communication tools to choose from for a traditional task like organising a birthday night out. We can phone, text, email, Skype, MSN, announce it on FaceBook, the list goes on. Even after the event we can report on the evening's activities by uploading clips from our mobile phones to YouTube or posting photos or comments on our Facebook wall.
With such a choice of new communication tools available, there is no wonder that the way businesses are now choosing to communicate with their audience has changed too. Many businesses now understand that people trust people and will trust the opinion of complete strangers on a blog site reporting back about the usability or quality of a new mobile phone or TV. You only have to look at Amazon to see that they are using other people's buying behaviour to influence the current customer in such cases as 'people who bought this item also bought…'
Consumers have much more power, they even demand it
The increase in communication channels that are now available to us has increased the level of involvement and communication with other people and businesses. Ebay were one of the first to recognise this and harness the opportunity that it presented when it allowed customers feedback to have a direct impact on the business or person selling their goods on Ebay. This has led the change towards consumers trusting other consumers, based on previous experiences with that business.
The way businesses need to communicate to spread the word about their products or services has also changed. Quirky is now king in the digital world and plays an important role in building or tweaking brand image. Those businesses that harness the capabilities of digital communication channels will succeed, like the drum playing Cadbury Gorilla which has been bastardised into a whole range of other theme tunes by copycats. Or the 1 min 22 sec Quiksilver Dynamite YouTube clip that is extending the reach of the Quiksilver brand beyond the seaside. The ones that shock and surprise gain the attention in the digital world, as in the real world
How to Make More Money…
If you are interested in making more money, the simplest way to do this is to communicate the benefits of what you are selling to the people who are most likely to buy it and influence other people to buy it too. The growth of relationship marketing through digital tools has become cheap and easy to execute. In the past, to test a new campaign would be timely and costly. New digital opportunities allow businesses (on a small or large scale) to carry out some small distinct tests which gain results that are fairly accurate and simple to measure. Three vital pieces of information are required to understand consumer behaviour in the digital world and these are:
- Who is this person?
- Where did they come from?
- What did they do whilst with you?
In understanding their behaviour; you will be able to attract more consumers like them.
Which tools to use?
What we have come to realise is that the same rules apply to attracting customers as they always have done;
- Understand your audience and segment customer groups
- Content must be relevant (on or offline but especially online to maximise your ranking / quality score on Google!)
- Focus on engaging with the customer (which will happen if your message is relevant)
- Influence the influencers (they will go tell other people)
- Measure the success of your campaign and tweak as necessary (it may be that your message isn't quite right or you are seeking customers in the wrong place)
- Test new ideas, learn from them, evolve your campaign and become more successful
To a certain extent, the web and digital tools are about ROI in a different sense – Return on Involvement. If you achieve regular involvement, you will eventually achieve traditional ROI – Return on Investment. It cannot be ignored that relationship marketing is absolutely essential and with additional tools available to analyse click behaviour, search terms, blog entries and other influencer networks it is now much easier to engage with your target audience and achieve results.


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Does this attraction provide visitors with a taste of the local culture?
Is this attraction pet friendly?
Would this be a good sunny day activity?
Would this be a good hot day activity?
Does this attraction require above average amounts of physical activity (long walks, climbs, stairs or hikes)?
Is this attraction wheelchair accessible?
Is there food available at this attraction?
Is this attraction free to the public?
Would this be a good rainy day activity?
Is this attraction closed during certain parts of the year?
Thanks for helping!
Our hotel was Budavar B&B located in Buda area, so this square was the first thing we found while we headed to the hotel from the airport. This is a good point where you start...
read more
Romantic Guide to Budapest
One Day in Budapest
One of My Favorite Cities
Our hotel was Budavar B&B located in Buda area, so this square was the first thing we found while we headed to the hotel from the airport. This is a good point where you start your Budapest trip. You can climb up to the hill by the funicular railway or on foot, or you can to the Pest area across...
We walked around the square for a few minutes and enjoyed the views across to Pest. The funicular can be taken right there and you can also just sit on the wall and people watch. Great place for a stroll.
Clark Adam Ter is the square at the base of the funicular. You can reach it easily by walking over the Chain Bridge and you will be there. From here most people will take the funicular up to Castle Hill District. The tunnel, vehicular, that will bring you to The top of Buda Castle is here also.
The square that gives access to the Buda Castle, where you can take the funicular to go up the hill. There are also some places to eat (pretty costly, of course) and a fountain with drinkable water, very useful during summer time.
Very important for traffic on Buda side of Budapest, since a large tunnel which goes under the Castle hill is connected with the Chain bridge via this square and its roundabout.
If you're going to the Buda castle via funicular, you'll surely come across this square.
I was expecting more when I read 'square', as it was really just a roundabout with pretty flowers, but it is literally just opposite the chain bridge as you get off, so you'll see it whether you want to or not!
It is not really a square, more like a roundabout....
Anyway, this is a good starting point to go up to the Castle of Buda! :-)
You can take nice photos of the Danube River and the city!
Although not really a square it is a nice area if you want to have a look at the amazing tunnel or take the vintage funicular ride up to the castle and hills.
There is a nice area here with a lovely cafe outside that on any visit here is always really busy.
The square takes its name from the...
Having mis-read a sign, we were most disappointed that this wasn't a square in the honour of Stoke City's Scottish international footballer Charlie Adam, formerly of Liverpool and Blackpool.
The square is essentially a transport interchange and therefore while it has some lovely things around it, (Restaurants, Chain Bridge, etc) it's hard to rate it as any more than average...
Adam Clark was the Scottish builder who was commissioned to build the Chain Bridge and the road tunnel under Castle Hill.
Off the square is the funicular railway terminus and the zero kilometre stone from where all measurements in Hungary are made.
The roundabout is truly a terrifying experience not to be taken lightly and only by local taxi drivers...
Own or manage this property? Claim your listing for free to respond to reviews, update your profile and much more.
Has anyone done the nighttime Vampire tour that may have been on a Viking tour? Just wondering if the starting point is walkable and if it is worth the time.
See all questions

subset: commoncrawl


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Added to Shopping Bag
Bvlgari Bulgari 18k White Gold Circular Onyx Ring
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Price: $1,550.00
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Bulgari 18K White Gold Circular Onyx Ring
authentic Bvlgari piece is finely crafted from solid 18k white gold. It
features Bvlgari's iconic lettering on the front as well as a lovely
onyx gemstone. It is fully signed with Bvlgari, the gold content, and
made in Italy. This fine Bvlgari ring is being offered up for far
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Consumer Insights Specialist
Monde Nissin Corporation
Mandaluyong, Philippines · Full time
- Mandaluyong, Philippines
- Full time
Posted null and deadline of application is on 23 Jun
Recruiter was hiring 4 hours ago
Job Description
Acts as the lead person in conducting business performance analysis, market evaluation studies and consumer insights building for the category.
Minimum Qualifications
- Graduates of Social Science, Economics, Statistics, Communication Research or other related course
- With relevant experience in Qualitative or Quantitative research
- Must have good insighting and research skills
- With excellent communication and presentation skills
Perks and Benefits
- Paid Holidays
- Paid Vacation Leave
- Paid Sick Leave
- Paid Bereavement/Family Leave
- Maternity & Paternity Leave
- Single Parent Leave
- Special Leave Benefits for Women
- Medical / Health Insurance
- Medical, Prescription, Dental, or Vision Plans
Jobs Summary
- Job level
- Associate / Supervisor
- Job category
- Sales and Marketing
- Educational requirement
- Graduated from college
- Recruiter response to application
- Once in a while
- Office Address
- 9 Sheridan st., Mandaluyong, Metro Manila, Philippines
- Industry
- Fast Moving Consumer Goods
- Website
- http://www.mondenissin.com
Feel secure when applying: look for the verified icon and always do your research on a company. Avoid and report situations when employers require payment or work without compensation as part of their application process.
About Monde Nissin Corporation
Monde Nissin Corporation has been giving Filipino consumers quality products and service for the past 30 years. The company has consistently been among the top corporations in the Philippines and is considered as one of the industry leaders in both noodles and biscuits product categories with well-loved Filipino brands such as Lucky Me! Instant Noodles, Nissin Wafer, Nissin Butter Coconut, Eggnog, Skyflakes and the like. Get to know us more! Visit our website at www.mondenissin.com


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Press Invitation : 13/03 - Protest Rally/Action/Rassemblement : We denounce the silence around the Transatlantic free trade negotiations !
Press Invitation
Eng – Fr - Nl
Brussels, 11 March 2014
Press Invitation
Protest Rally - Action
"We denounce the silence around the Transatlantic free trade negotiations!"
Thursday 13 March, 10am, Charlemagne Building, Brussels
The rally will be preceded by a surprise action!
Meet at 9h15, Schuman Roundabout, Brussels
for a briefing and then be led to the action
The latest round of trade negotiations for the Transatlantic Trade and Investment Partnership (TTIP) between the EU and the US are taking place in Brussels from 10th to 14th March. The impact this treaty will have on the lives of millions of European and North American citizens means that it deserves our attention... and that we reject it.
This action comes out of the blockade of the European Summit last December by the D19-20 Alliance. On that occasion more than 2,500 people – citizens, farmers, activists, NGOs, collectives and trade unions – came together to denounce the harmful policies of austerity imposed by the European Union, of which TTIP is a part of.
The action is organised by D19 20, Alter Summit, Blockupy Europe, S2B Network and the European ATTAC Network.
Speeches for the protest rally (and possible interviewees)
Luc Holland, Belgian milk producers union, MIG / D19-20
Hélène Cabioc'h, ATTAC France / Blockupy Europe
Mike Dolan, North American trade union Teamsters
Karen Hansen-Kuhn, Institute of Agriculture and Trade Policy, USA
Kenneth Haar, Corporate Europe Observatory / S2B
Jacques Debatty, Belgian trade union MOC / Alter Summit
Press Contacts:
Pascoe Sabido (EN, FR, ES) : +32 486 85 74 16; firstname.lastname@example.com
Sebastian Franco (FR, ES, IT) : +32 488 15 02 16; firstname.lastname@example.com
Luc Holland (NL, FR) : + 32 497 23 07 60; email@example.com


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Turn your refrigerator into a kinetic playground for kids (of all ages!) with Frigits Deluxe. This set comes with 4 rails, 2 swinging buckets, the catch box, Ferris Wheel, Purple Tornado and 2 Serpentine Chutes along with a dozen marbles. Stick them onto your fridge or other magnetic surface any way you want to and let gravity take over the fun. Neat physics based toy.
Related Gift Ideas and Products
Hisense RT33D6BAE Compact Refrigerator with Double Door Top Mounted Freezer, 3.3 cu. ft., Stainless Silver


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Fancy Francy sucks and gets fucked – Colombia Fuck Fest – BANGBROS
Today Max Cartel brings us a cute little twenty-six year old named Francy. He met her at a strip club. Now she's back at his place ready to earn a few bucks using the skills she learned at the strip club, in a more productive way. She works Max pole like a real professional and it shows.
Para descargar click en la imagen de abajo // To download click on the image below
- Zoey Reyes jumps on dick until she cums – BANGBROS
- You Don't Fuck The Law – BANGBROS
- Worthshiping Cristal Caraballo Enormous Ass – BANGBROS
- White Mayors Daughter gets fucked by Black Law – BANGBROS
- Watching Adrian Maya in the shower – BANGBROS
- Violet Starr's Sexual Fantasy – BANGBROS
- Victoria la Cubana – BANGBROS
- Victoria Banxxx and her 40+ inch ass – BANGBROS
- Valery Santos comes back for more good cock – BANGBROS
- Valeria wants to be a Pornstar – BANGBROS
- Two college girls, one big black cock – BANGBROS
- Two asses are better than one – BANGBROS
- Twerking Lessons – BANGBROS
- Tori Taylor gets a load on her juicy big tits – BANGBROS
- Tiny Black Pussy for a Big Fat Burrito – BANGBROS


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iPhone apps
CrossOver HD
CrossOver HD is a game that consists of 8 matrices by increasing difficulty.Your goal is to sort the matrix from number 1 to number 16, with minimal number of moves.For the resolution of first matrix, you have to make only one move, two moves for the….. Read more
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"The mayor took his pain early on. Tax increases were substantial and hurtful, but they hurt early on, and he had time to recover."
Related quotes
"History has shown, time and time again, that tax increases slow economic growth and hurt ordinary citizens. I can only hope that, come next year, you and I can begin to undo this damage."
"There is a direct link between the federal tax cut of 2001 and state tax increases in 2003. When the federal government's mistakes force states to raise their taxes, it not only robs Peter to pay Paul, but it hurts hard-working families and it undermines our economy's strength."
"We shouldn't hold the budget hostage for issues over tax increases or transportation. They can be resolved in a special session later."
"We've got businesses on the North Shore who have seen 30 per cent property tax increases on top of 40 per cent the year before and 30 per cent the year before that, then you're hitting them with another basically property tax. . . . It's just the straw that broke the camel's back, it's too much."


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Dorchester Collection Fashion Prize 2011
On display in Milan the creations of the five short listed finalists
Milan's Hotel Principe di Savoia launches "Principe Bar Fashion Gallery" – a temporary exhibition displaying the creations of the five finalists of the 2011 Dorchester Collection Fashion Prize.
Until October, 5th Principe Bar, which has recently been given a make-over by Thierry Despont, will host the creations by Anndra Neen, a brand founded by siblings Phoebe and Annette Stephens; Giulietta, a line designed by Sofia Sizzi; Julian Louie; Setareh Mohtarez, Siki Im. Moreover, each one of the short listed designers collaborated with the Dorchester Collection Bar Managers to create exclusive cocktail menus available during the fashion season across Europe where each drink exemplifies the spirit of the designer's work.
For Principe Bar, Sofia Sizzi of Giulietta and Daniele Confalonieri of Hotel Principe di Savoia conceived "Elisir di Giulietta", a Santa Maria Novella elixir cocktail. The exclusive cocktail menus are available in Europe at Dorchester Collection's hotels during the fashion season.
The winner of the 2011 Dorchester Collection Fashion Prize will receive $ 40.000 to develop the brand as well as the exclusive opportunity to showcase his/her creations at the Hôtel Plaza Athénée during the 2012 Paris Fashion Week.
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There are more days than I can count where I'm rushing out the door with the kids frantically trying to get a quick, nutritious breakfast that we can eat on the go.
Yes, I admit: I'm not a morning person. I will squeeze every last minute of sleep I can before I actually get up. And that usually means I'm running late taking the kids to school or other activities.
That's why I absolutely love this Grain-Free Pancake Muffins to Go recipe from Kelly Smith of The Nourishing Home. There's even a dairy-free option. It's so simple to make, and I bake them the night before so we can just grab and go.
Where to Get Baking Essentials
I get my other baking supplies like baking soda, baking powder, vanilla extract, etc. either on Amazon or my local health food store usually. But then I got a Thrive membership. If you don't already have one – it's awesome! It's like Whole Foods meets Costco. Organic vanilla extract, for instance, is about $5 at my local health food store and $5.30 on Amazon. But it's only $3.95 (YES!) on Thrive Market. Great deal right? And the raw honey?! Don't even get me started how much that costs at the health food store. But on Thrive Market it's just $5.45 for a 10.5 oz jar of raw honey.
Sign up for a Thrive Market membership and get 2 months free and 10% off your first order.
Try this grain-free, gluten-free Pancake Muffins to Go to save time in the morning and give your family a nutritious breakfast they'll love.
- 1/3 cup plain coconut milk yogurt (or coconut milk)
- 2 tablespoons unsalted butter (or coconut oil), melted
- 1 tablespoon honey (or maple syrup)
- 1 teaspoon pure vanilla extract
- ¼ teaspoon apple cider vinegar
- 1¾ cups blanched almond flour
- ½ teaspoon baking soda
- ¼ teaspoon sea salt
- 3 large eggs
- ¼ cup diced strawberries
- ¼ cup whole blueberries
- Preheat oven to 350°F. Grease 8 muffin cups in a 12-cup muffin tin with coconut oil. Set aside.
- Place all of the liquid ingredients except the eggs into a blender or food processor. Then place all of the dry ingredients on top. Cover and blend on low 10–15 seconds just until well combined. (Batter will be thick.)
- Add the eggs and blend on low about 15–20 seconds, then increase to high and blend 20–30 seconds, just until eggs are incorporated into the batter. (Do not overmix or muffins will not be tender.)
- Transfer the muffin batter to a bowl and fold in the berries. Evenly divide the pancake muffin batter among the 8 prepared muffin cups.
- Bake for 15–18 minutes, until slightly golden brown on top and a toothpick inserted into center comes out clean.
- Remove from oven and allow muffins to cool 2–3 minutes in the tin. Run a knife around the edges of each cup and invert the pan over a sheet of parchment. Then grab a couple and go!
Reprinted with permission from the Everyday Grain-Free Baking book by Kelly Smith.
Want More Recipes Like This?
The Pancake Muffins to Go recipe is featured in the Everyday Grain-Free Baking book by Kelly Smith. I could not put this cookbook down. It's filled with mouth-watering grain-free, gluten-free and dairy-free of all your favorite baked goods.
What's Inside
- 100+ easy-to-make recipes that are gluten-free, grain-free, starch-free, refined-sugar-free and dairy-free, or contain dairy-free options
- Step-by-step instructions, beautiful color photographs and helpful tips & tidbits to make all of your GF baking adventures a delicious success
- Chapters dedicated to your favorite baked goods, including, breads and rolls, biscuits and scones, pancakes and waffles, pies and tarts, cakes and cupcakes, cookies, brownies and bars and other sweet treats
- Overview of the key ingredients that make grain-free baking a success, as well as recommendations for helpful baking essentials
- Recipe variations are included throughout the book to make each recipe a snap
Here are a few samples of what you can expect in the book.
And here are some delicious, gluten-free sweet treats. Looks amazing, right?
And your favorite breads, buns and rolls in grain-free versions that taste simply delicious.
Get the Everyday Grain-Free Baking book here
p.s. Looking for tips to transition to a real food or healthy gluten-free lifestyle? Check out my free Real Food Guide email course and e-book.disclosure.


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Dr Li Sun
Dr Li Sun is an information security expert currently working on working on two Australian Research Council funded research projects on malware de-obfuscation and insider threat detection.
Dr Li Sun is an information security expert on various domains including malicious software, intrusion detection, insider threat detection and authentication. She is a Research Fellow and a member of InfoSec & NetSci group at RMIT University. She is also a Visiting Researcher at CA Labs (Australia), CA Technologies, working on two ARC (Australian Research Council) funded research projects on malware de-obfuscation and insider threat detection.
Selected honours and awards
- The 2007 Google Australia and New Zealand Anita Borg Memorial Scholarship (Finalist)
- CA PhD Research Scholarship & Australian Postgraduate Award Industry (APAI) ( 2006 – 2010)
- Australian Postgraduate Award (2003 – 2005), Melbourne University, Australia
- 2001 Australian Computer Society (ACS) Postgraduate Student Award for Academic Excellence
- 2001 RMIT Dean's list, RMIT University, Australia
- First Class Scholarship (1990 & 1991), Tongji University, China
- Shan-Hao (Three Bests) Student Award (1990 & 1992), Tongji University, China
Research interests
- Information security
- Information retrieval
- Intelligent agent technologies
- Data mining
Information security, information retrieval, intellegent agent technologies, data mining, mathematical and geospatial sciences
PhD, RMIT University, 2010
MTech, RMIT University, 2002
BEng, Tongji University, 1993
- Sun, L.,Versteeg, S.,Boztas, S.,Yann, T. (2010). Pattern recognition techniques for the classification of Malware packers In: Lecture Notes in Computer Science, 6188, 370 - 390
- Lobo, D.,Watters, P.,Wu, X.,Sun, L. (2010). Windows rootkits: Attacks and countermeasures In: Second Cybercrime and Trustworthy Computing Workshop, CTC 2010, Ballarat, Australia, 19-20 July 2010


text:
Hamish! So. Hot.
A A A Andy!
Hamish is cute as well as funny.
Hamish every time
The one with the blue eyes..
Andy for sure. Silly silly Megan gale!!
Pregnant for the first-time?
Not sure where to start? We can help!
Our Insider Programs for pregnancy first-timers will lead you step-by-step through the 14 Pregnancy Must Dos!


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LENDER S INTEREST IN CONTRACTOR S (Builder's Risk) INSURANCE
- Estella Green
- 1 years ago
- Views:
1 IMIA 6-55(97)E LENDER S INTEREST IN CONTRACTOR S (Builder's Risk) INSURANCE Introduction Historical development of Contractor's policy Project finance Risk transference to insurance Position of the lenders Clauses / definitions Conclusions This paper presented by Reinsurers at the 1997 IMIA Conference deals with the inclusion of Lenders/Bankers interests within the scope of Contractor's (Builder's Risk) Insurance. One is presented with a brief overview on the historical development of the Contractor's policy, and an outline to the basics of non-recourse project finance. Furthermore, it develops the concept of risk transference to Insurance and the position of the lenders/bankers.the paper also comments on clauses/definitions which are of concern to Insurers, namely: The Insured, Loss Payee, Assignment and Non-invalidiation/ Non-vitiation (particular emphasis). The authors conclude that the lenders real risk exposure in non-recourse financed projects is rather of political and commercial nature and less of the risk that the project policy would not respond in case of an accident. Finally the paper outlines the options available to lenders/bankers in order to get the protection needed. Zurich, 29 March 1999 Introduction More and more often engineering insurers are pressured to extend their contractor's (builder's risk) policy to also cover lenders/bankers interest. Brokers nowadays requested insurers to accept exotic clauses such as: bankers / lenders clause loss payee breach of conditions clause innocent misrepresentation clause several insured clause breach of warranty clause cross liability clause "a rose by any other name would smell as sweet". Though underwriters have traditionally been quite willing to go along with most of the brokers requests it seems that some of these clauses (in particular the non vitiation clause) give rise to concern.
2 Historical development of contractor's all risk policy Since the first contractors policy has been issued over 50 years ago the policy form has been subject to continuous modifications and widening of the coverage. From a once rather restricted (named perils) form - covering the on-site activities of a single contractor - the cover has developed into an "all risk" cover, however, subject to certain exclusions, providing cover for fortuitous physical loss or damage to insured property. For a number of years each contractor participating in the project had to buy his own insurance cover and the same did apply for the employer/principal. The handling of claims however got rather cumbersome particularly in cases where an accident originating in one contractors work ensued in damage to another contractors work and thus in actual fact became an issue of third party liability claim. Today the contractor's all risk policy (contrary to an individual contractor's policy) is to provide coverage for material damage the subject project might suffer from an insured peril and encompasses all "named" contractors and subcontractors participating in the project and also the employer/principal. According to the FIDIC "conditions of contract" the contractor is obliged to insure the project and such insurance shall be in the joint names of the contractor and the employer. The contractor negotiates with the insurer the cover on behalf of all parties who might become involved in the project at the project site. He obviously has been entrusted by the various parties involved to do so and this within the scope as defined in the "conditions of contract". He automatically assumes a certain responsibility to present to the insurer the necessary underwriting information and to pass on to all parties supposed to benefit from that cover the full extent of the policy conditions and warranties (if any). The insurer is only dealing with one party (EPC contractor or employer) without even knowing which additional parties (contractors, sub-contractors of all tiers) are supposed to eventually benefit from the cover negotiated with the policyholder. The policyholder solely is responsible to the insurer for the payment of the premium and entitled to collect claims (unless otherwise agreed). He would be the entity with whom the insurer negotiates amendments and endorsements to the policy. As far as the project insurance is concerned, the parties involved in the project in actual fact entered into a "joint venture" and become a "community of fate". Consequently the rights and obligations of the "coinsureds" stand and fall together. This fits with the basics of any insurance which is solidarity. Another aspect which should not be neglected is that in the volume-wise most important markets - the North American market and the German speaking market - the contractors policy does not provide any third party liability coverage. Up to recently this concept appeared to be satisfactory. With this concept we insure all involved in the construction of a project for some of the risk they take. This is fine when we are talking about traditionally financed construction risks which we as expert construction risk insurers are used to dealing with. However, as so many other things have changed the financing of projects has also changed and left its marks in the construction insurance.
3 Project finance Under the structure commonly employed in project finance a single purpose project company is formed to build and operate the project. The shares in the project company are owned by the project sponsors. The project is in part financed by a syndicate of banks who are paid out of the proceeds of the project after its completion. In addition the project company grants the lenders security over the project assets. The balance of the finance needed is provided by the sponsors. There are various risks associated with any major project. Many of which are allocated between project sponsor and the lending banks to one degree or other. These include the risk that the project will not be completed on time or at all. E.g. because of technology failures, cost overruns, force majeure or necessary variations, and the risk that official licences and consents for the project will not be forthcoming or subject to costly conditions. Though the contract between the borrower and lenders effectively addresses the transference of risk associated with the project between the parties. The lenders, however, like to see as much of the risk transferred to the borrower be further transferred to a third party, i.e. to insurers (deep pocket theory). Design-build contracting (Engineering Procurement Construction) is probably the most popular form of contract for project financed constructions. The advantage of this form of contract is to have single-point responsibility for design and construction of the project. The risks involved in the realisation of the project are allocated between the employer and the EPC contractor to one degree or other. The risk of loss usually remains with the EPC contractor with the exception of force majeure perils and specified exceptions for which responsibility remains with the employer. The EPC contract addresses the transference of the risk associated with
4 the project between the parties (employer, EPC contractor, vendor, sub-contractor, etc.) but in most cases the contract also stipulates that the contractor shall, without limiting his or the employer's obligations and responsibilities, insure the works in the joint names of the contractor and the employer, obviously, each party seeks to transfer as much of the risk assumed to a third party i.e. the insurance. Risk transference to insurance By and large we have 3 parties involved in these projects, namely: (i) the lenders/banks, (ii) the employer/single-purpose project company and (iii) the EPC contractor. The relevant contract documents, loan agreement and works contract effectively address which risk has to be born by which party. Some of these risks can be transferred to insurance and some of these risks remain with the party who had to assume the risk. There is no such thing as a 100 percent transfer of risk. Insurers are now challenged to analyse which of the risks assumed by each party can be transferred to insurance and which of the risks of each party can be transferred to the contractor's (builder's risk) policy which of the risks which can be insured need to be insured separately by each individual party which of the risks are considered uninsurable A clear allocation of risks into these three categories is of paramount importance in order to be able to understand to which degree lender's interests can be included and which will be their impact on the contractor's (builder's risk) policy.
5 Position of the lenders The risks of damage to the material property of the project are covered as far as possible by the project insurance. Cover for delay in start up (business interruption) is also commonly purchased. Such cover provides reasonable protection for the project investment against loss resulting from accidental physical loss or damage. Whilst the project company (employer) and the EPC contractor and main subcontractor will usually be a named insured under the policy, the position of the lending bank under the policy is somewhat in the dark. The lender's goal is thus to get into contractual privity with the insurers so that in the event of an insured loss the bank is in a position to enforce the insurance claim without the need of recourse to assistance from one of the named insureds. Furthermore, the lenders wish to be as little dependent on the insured's compliance with the policy terms and conditions as possible and to avoid the situation where one of the insureds can prejudice the cover and hence the lender's ability to recover under the policy. Clauses / definitions 1. The insured 2. Loss payee: (acceptable) 3. Assignment 4. Non-invalidiation / non-vitiation 1. The insured "Joint insureds or composite insureds" It is not always clear whether the policy which insures the interests of various parties is generally considered to be based on joint insured status or composite insured status. Looking into the past where each party had his own policy a judge might tend to favour the composite status. The logic would than be to restrict that to those entities named in the policy which are identifiable e.g. listed with name and address (nobody would issue a policy in favour of Mrs. sub-contractors of any tier). As the cover shall apply in the same manner and extent as if individual policies had been issued it seems fair and logic that insurers request: i.r.o. underwriting information and contract compliance. "Underwriting information" Each of the Insured severally hereby: 1. acknowledges that the insurers have agreed to enter into this policy on the basis of certain underwriting information presented to them and 2. adopts that underwriting information as if it were and had at all times been information provided by that insured and 3. assumes responsibility to insurers for the truth, accuracy and adequacy of that information. Contract compliance It shall be a condition precedent to the indemnification of any one or more insureds that all of the conditions, warranties and other terms and provisions of this insurance shall have been performed and complied with by all of the insureds.
6 top of Clauses / definitions 2. Loss payee: (acceptable) A loss payee is simply a party designated under the insurance policy as the appropriate recipient to claim payments made under the policy. The effect of a loss payee clause naming the lending bank as loss payee is that the insurer can discharge its payment obligation under the policy by paying the money to the lender rather than the policyholder. The loss payee is not party to the insurance policy and has no contractual privy with the insurer and no rights under the policy. top of Clauses / definitions 3. Assignment Depending on the form of assignment the assignee could be placed in direct contractual privy with the insurers and thus in a position to prosecute a claim to recover under the policy directly against insurers. Insurers are most reluctant to give consent to such an assignment. Cut-through From reinsurers perspective practically the same problem as with assignment. top of Clauses / definitions 4. Non-invalidiation / non-vitiation What is the meaning of non-vitiation? Definition of vitiate: to impair; to make void or voidable; to cause to fail of force or effect; to destroy or annul, either entirely, or in part, the legal efficacy and binding force of an act or instrument; as when it is said that fraud vitiates a contract. With other words: "vitiate" is to make invalid or ineffectual and therefore non vitiation implies the inability to make invalid or ineffectual. What is the impact of these clauses on the contractor's (builder's risk) policy? For better understanding let us briefly review the development of the contractor's policy. If insurers do accept such a clause they could "save" issuing policies as all the conditions and warranties would become annulled with the non-invalidiation clause. Turning the wheel back to the time when each party had actually bought his own policy obviously the policy of the party breaching a condition would have been invalidiated and no indemnification by whom so ever would have been collectable under that policy. However, each other party suffering damage to his works could collect indemnity for damage caused to his part of the work under his policy. Obviously insurers cannot accept straightforward non-vitiation clauses. The LEG (London Engineering Group) has come forward with a suggestion which could be
7 accepted by insurers: "Non vitiation" (status of insured) Paragraph (i) It is noted and agreed that if the insured described in the schedule comprises more than one insured party each operating as a separate and distinct entity then (save as provided in this multiple insured's clause) cover hereunder shall apply in the same manner and to the same extent as if the individual polices had been issued to each such insured party provided that the total liability of the insurers to all of the insured parties collectively shall not exceed the sums insured and limits of indemnity including and inner limits set by memorandum or endorsement stated in the policy. Paragraph (ii) It is understood and agreed that any payment or payments by Insurers to any one or more such insured parties shall reduce to the extent of that payment insurers liability to all such parties arising from any one event giving rise to a claim under this policy and (if applicable) in the aggregate. Paragraph (iii) It is further understood that the insured parties will at all times preserve the various contractual rights and agreements entered into by the insured parties and the contractual remedies of such parties in the event of loss or damage. Paragraph (iv) It is further understood and agreed that insurers shall be entitled to avoid liability to or (as maybe appropriate) claim damages from any of the insured parties in circumstances of fraud, material misrepresentation, material non-disclosure or breach of any warranty or condition of this policy each referred to in this clause as a vitiating act. Paragraph (v) It is however agreed that (save as provided in this multiple insured's clause) a vitiating act committed by one insured party shall not prejudice the right to indemnity of any other insured party who has an insurable interest and who has not committed a vitiating act. Paragraph (vi) Insurers hereby agree to waive all rights of subrogation which they may have or acquire against any insured party except where the rights of subrogation or recourse are acquired in consequence of or otherwise following a vitiating act in which circumstances insurers may enforce such rights notwithstanding the continuing or former status of the vitiation party as insured. Paragraph (vii) The lenders to the project shall not be entitled to any indemnity under this policy for or arising from loss or damage in respect of which insurers are by reason of vitiating act no longer liable to indemnity any one or more other insured party."
8 top of Clauses / definitions Conclusion The lender's real risk exposure in non-recourse financed projects is rather of political and commercial nature than the risk that the project policy would not respond in case of an accident. It is important to have the lender's position clearly documented in the policy. 1.For practical reasons the project policy should not be extended to entitle lenders to any indemnity under this policy for or arising from loss or damage in respect of which insurers are by reasons of vitiating act no longer liable to indemnify any one or more other insured party. Obviously, such an extension would render the policies stipulations on breach of conditions and forfeiture nil and void. However, lenders have two options of transferring some risk elements to the insurer: A restricted buy-back of paragraph vii of above quoted Multiple Insured Clause, e.g. by way of following extension to paragraph vii (against adequate additional premium): This exclusion shall only apply as long as the vitiating party isa able to comply with the conditions of the works contract. It has to be noted that the insurable interest of the vitiating party only still would not be indemnified. As an iron rule, the party in breach should not benefit from any indemnity whether paid to any innocent co-insured or to the lender. 2.The lenders may acquire a separate "Lender's Non-Vitiation Insurance" as it is available in various markets. Such cover has to be specifically underwritten case by case and cannot be generally made available. However, the main criteria of such a
9 stand-alone cover are: Insured: Sum Insured: Insurance Period: equal to the Total Contract Value of the concurrent EAR/CARpolicy Non- Disclosure/ Confidentialit Trigger: Indemnification: Limit of Indemnity: Right of recourse: Exclusions: the lender only Works plus Testing (if any) policy not to be disclosed to any other party insured under CAR/EAR (primary policy) sudden and unforseen material damage to insured property plus total or partial invalidation of liability under EAR/CAR-policy due to breach of conditions by an insured party (normally to be established by court decision) based on underlying EAR/CAR-policy and applying all deductibles, sublimits, etc. actual loss sustained only respectively whichever is least of: unrecoverable claim(s) under the primary policy the outstanding indebtedness the sum(s) insured in respect of which claims are being made... against vitiating party any amount of indemnification made good by the vitiating party non-payment of premium, breach of obligations of which lender had knowledge. Final remarks: a problem the financing parties face is the requirement that coverage is provided only subsequent to a court decision finding that the underlying policy has been vitiated. That is one of the reasons why the integration of LNVI into the EAR/CAR policy has been proposed a few times in the recent past. Indeed, an endorsement attached to the policy and issued by the same insurers would reduce frictional cost in determining whether the policy has been vitiated. As insurers and reinsurers are still studying whether and how the stand-alone LNVI coverage can be bundled into the project policy in such a way as to protect the lenders' interests without invalidating the restrictions and conditions for underlying insurance coverage, it is strongly recommended to consult reinsurers whenever such an endorsement or any wider covers of lenders' interest such as unlimited assignment to lenders and others are proposed. back to Paper Published Please read our Disclaimer.
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Bridging the Equity Gap for Innovative SMEs
Edited by Elisabetta Gualandri Valeria Venturelli
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Bridging the Equity Gap for Innovative SMEs by Elisabetta Gualandri
Book DescriptionExplores the idea that Europe's growth problems may be caused by weaknesses in capital markets and in the access to risk capital. It addresses the evaluation of the financial needs and constraints of start-up firms and how these might be bridged. The role of public sector intervention is analyzed, focusing on international best practices.
Buy Bridging the Equity Gap for Innovative SMEs book by Elisabetta Gualandri from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9780230205055
(216mm x 140mm x 14mm)
Pages: 216
Imprint: Palgrave Macmillan
Publisher: Palgrave Macmillan
Publish Date: 9-Oct-2008
Country of Publication: United Kingdom
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Books By Author Elisabetta Gualandri
Italian Banking System, Hardback (November 2012)
Why was the Italian Banking System more resilient during the sub-prime crisis and harder-hit in the sovereign crisis? Will their strength in the retail market result as an asset or a liability for Italian banks in the future? This book offers an in-depth analysis of one of the most important EU banking systems its attempts to weather the crisis.
Consolidation in the European Financial Industry, Hardback (March 2010)» View all books by Elisabetta Gualandri
Globalization and the financial crisis highlight the problems caused by worldwide banking organizations and force financial groups to reassess their development strategies. This book discusses the impact of the crisis on the consolidation process in the European financial industry and the need for regulation and financial supervision.
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FABIO BRAGA Senior Analyst, Economic Research Department, Borsa Italiana LUCIANA CANOVI Lecturer in Finance, 'Marco Biagi' Faculty of Economics, University of Modena and Reggio Emilia, Italy MASSIMO DEMASIMA Senior Analyst, Industry Analysis and Business Support Department, Borsa Italiana ALESSANDRO G. GRASSO Post-Doctoral Scholar in Market and Financial Intermediaries, University of Modena and Reggio Emilia, Italy PAOLA SCHWIZER Professor of Banking, University of Parma, Italy
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I should (lmao) be going next year and I'm the only one out of my friends who wants to go to a University out of our home city. Is it easy to make friends with others?
You are Here: Home > Forums >< University and university courses >< University life
How easy is it to make friends at University?
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Student life, in partnership with UEA
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Depending on how confident you are and if you are living in halls...unfortunately I am neither so it was kinda difficult..
Rose M.
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At university you will meet really a lot of new people from all walks of life, cultures, and countries with a huge range of interests, personalities, and lifestyles. It can be a little bit hard ot make good friendships at first if you are a little bit shy but always people eventually find 'their people' and because of the similar goals you will share with your university friends you are likely to become lifetime friends.
Everyone goes to university open minded and very willing and eager to meet people and to make new friends. Really the other students will be very friendly and I hope that you will be pleasantly suprised and just how social and welcoming an atmosphere it is
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TBH, if you don't know anyone and you don't click with your housemates it's pretty difficult.
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Depends. Easy for some and not for others. Whats your confidence and social skills like?
It goes on all sorts of factors. Luck, type of accommm, how much effort you put in etc.
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TBH, if you don't know anyone and you don't click with your housemates it's pretty difficult.
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(Original post by Hackerman)
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I should (lmao) be going next year and I'm the only one out of my friends who wants to go to a University out of our home city. Is it easy to make friends with others?
It depends, the bottom line is, if you're willing to make the effort then yes!
If you decide to live in halls, you have the opportunity to bound with your flatmates and make friends with them. You have the opportunity to make friends with people off your course and you can also join societies to make friends.
As long as you're willing to put in the effort, there are plenty of opportunities.
Good luck!
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How long is a piece of string?! It depends on many factors! To an extent, how you are now may well largely influence how you find it, if you are outgoing and sociable you will probably have a great time, if you are shy it may be a struggle. However, it will partly depend on who you end up with.
I think the main thing to be 'prepared for' is the 'full on ness' potentially of the whole experience. At the moment, you will obviously socialise at college and in evenings/weekends but go home at night. At Uni, other people are around all the time unless you lock yourself in your room (obviously you will do this when you are asleep/in your bathroom ) -not recommended if you want to make friends! If you like your own space, this can feel overwhelming and it may feel like you are in the 'Big Brother House' - but if I could offer myself advice (I am in my late 30s and Uni was a struggle socially for me) just go with it, enjoy it and accept you will never quite get such a social opportunity again! (by 2nd year you will be in houses and already it will get more insular.)
PS don't worry about what your current friends are doing, live YOUR life!
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Updated: October 21, 2016
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Houston's Fun With the Hamptons Continues: Stages Extends Its Run Of Grey Gardens
Stages Repertory Theatre has just announced it has extended the Houston premiere of the Broadway Musical Grey Gardens, the musical account of Jackie Kennedy Onassis's nutty relatives, "Big Edith" Bouvier Beale and her adult daughter 'Little' Edie, who were found living in a crumbling mansion in East Hampton.
Originally the Houston show was to end on June 14, but has now been extended through June 28. Go to www.stagestheatre.com for times and ticket information.
Grey Gardens has been a phenomenal success for a musical from such unlikely subject matter -- the recording of the original Broadway cast has also been selling out around town. Reviews have been stellar: from the Houston Chronicle and from us (here's our review and a blog item about the production).
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| SociallyAwkwardHumanBeing chapter 41 . 12/12/2016
god damn it! i'm crying like a baby because of you and your stupidly good ending! i'm gonna need some damn chocolate and some serious hug therapy after this...!
| jewell01 chapter 41 . 8/30/2016
ung...ug... BUAAAAA! *snif**snif**snif* joder que me has hecho llorar QAQ lo amo! amo tu fic!
| koneko.sawadaa chapter 41 . 6/3/2016
I can't handle this... *cries* I wanted a haappppyyyy ennndddinnggnngmnngkfsbxjn.
| koneko.sawadaa chapter 27 . 6/3/2016
This is so scandalous, I don't even know what to say. *covers eyes*
| Cassie Star chapter 41 . 4/25/2016
Love this story it's so sad end!
| Girasol93 chapter 11 . 1/20/2016
hahaha this chapter was just too good XD I tried reviewing previous chapters but I can only review a chapter once on here, so yeah... I could've sworn there were fewer chapters for this story before you revised it. Can't remember, but I can see much improvement on the interaction between characters. I think I also said this before but Izuna creeps me the hell out :O Your Izuna is very difficult to figure out his true intentions and his mischievous smile tells the reader he's up to no good! Anyway will continue reading this :)
| xKMx chapter 41 . 1/1/2016
Here I am.. around 4 am and i'm crying xD
That was beautiful
And thank you so much for sharing this story with us
And just so that you know, I will be remembering this story for at least 5 years and it is no exaggeration, because those kinds are hard to forget
Thank you
| Yuti-Chan chapter 41 . 12/28/2015
That was awesome, thank you very much for this chapter :D
| LugubriousDreamer chapter 41 . 12/22/2015
hate you.
| Akari.Wolf.Princess chapter 41 . 12/21/2015
Oh reading this ending again is so sad! Nice but dad I mean she remembered at the last dying moment I mean yeah we knew but still to read it and know that it did happen. Such an amazing story !
| Kasuke.Hagase chapter 41 . 12/21/2015
Was this a happy ending or not, I can't tell. Nice writing!
| humming-songs chapter 41 . 12/20/2015
OMG I AM GOING TO REREAD THIS! ITS such a coincidence that my break just started I can't wait. I'm fifteen myself and writing my own story and I think that in three years' time I will go back too. You're such an amazing writer, And I just can't wait. Happy to reread an amazing story written all over again!
| SeungJiYeon chapter 41 . 12/18/2015
You wrote this when you were 15!? Dear Lord have mercy. I can't write a text even if it was to save my life... Even though you modified the story, don't belittle what you wrote in the past. I can assure you that it was fantastic.
| Guest chapter 40 . 7/14/2015
Oh My God am I the only one who realizes that Yuna died on Madara's birthday!? Why does the ending have to be sad - I loved the story, but it made me cry waterfalls!
| Mia chapter 40 . 7/3/2015
I cried so hard the first i read this story.
Still crying after reading it for the second time.
...And third
...and fourth.


text: BRANCHING 1 Branching • Branching allows you to modify live content without changing the public site • To branch, select a page in the folder view, rightclick and select Branch 2 Branching - Exercise • Branches are shown in the interface by an icon in the left-most column. • To see a branch 1. Navigate to /Pershing/US/EN/. 2. Select and branch the page 3 Best Practice – How To Make Edits to a Live Page • To make minor edits, like fixing a spelling error, simply go into the edit mode for the page, make the changes, save them, and redeploy. • To make major edits, like adding content that may change the layout of the page, do not go directly into the edit mode. – Instead, please follow these instructions to branch the page, edit the branched copy, and then deploy. Following these steps in LIVE will automatically retire the old content. • Some workflows require branching live assets when making any edit 4 Best Practice – Removing Branches • Never manually delete any files that have been promoted beyond "Draft". • The older versions of branched files automatically go to "Retired" state with purple color code when a newer version is published to Live. • Retired files get automatically "archived". 5


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text: I've been taking on a challenge to myself since I graduated college last Spring by reading some guys I wouldn't typically read, or agree with. I'm a part of an Acts29 church, Mark Driscoll's church planting group, and wanted to educate myself on the whole "emergant" issue. I've read plenty of Driscoll, and why he left the emergant camp, plenty ABOUT those who are a part of the emerging church, but never anything those guys actually have to say (except for blogs). I started with Brian Mclaren. I just finished his trilogy on "A New Kind of Christian", and am in the middle of "Generous Orthodoxy". Now that I've been reading some of what he actually has to say, I TOTALLY UNDERSTAND THE CONTROVERSY. Now I'm not advocating Mclaren's thoughts in any way. Although I do think he has some challenging remarks for everyone, but he definitely takes things too far. My question is regarding his discussion of hell in his fiction trilogy. He states that, although fiction, much of the content displays his thought process about these issues. One of the main characters, Neil, represents the messenger of this new kind of Christian. His arguments go against a literal place of firey torment for those who don't believe in Christ. Rather, he explains that this is a construct by modernism. The character repeatedly refers to the Ancient world, saying that their talks of hell never meant a literal place of punishment. Even Jesus never intended that meaning, but rather through centuries (and modernism) it was constructed in that way for the purpose of threatening nonbelievers with something literal with the intent of them believing. I thought his argument was interesting about modernism. At one point, he explains that modernism tends to think of things as right/wrong, real/fake, etc. This is part of the process in making it a "heaven or hell" type arrangement. Now, I am not even remotely entertaining the idea of Mclaren being right. However, I'd love to hear from some guys who understand church history in a little more detail than myself about hell. Especially in the Ancient world. Mclaren repeatedly insists that never in the New Testament was hell to be taken as a literal place. In fact, he mentions many of the places where it is spoken of, and his character Neil, always has some sort of interpretation that Jesus was not focusing on a literal hell in the afterlife, but turning the focus on peoples' actions in the present. He also explains the "evolution" (his word, not mine) of hell through Augustine, Dante, Reformers, etc. Any thoughts? Let me know if I need to clarify my question.


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National Jewish Health received the Award for Outstanding Storyboard for its presentation on the medication reconciliation project at the Alliance for Continuing Education in the Health Profession's (ACEhp's) Annual Conference in Grapevine, TX, in January 2015. The award recognizes innovations in CE/CPD that highlight the intersection of high-impact education and quality improvement.
A poster describing the project was also presented at the Society for Academic CME (SACME) meeting April 2015 in Tampa, FL.
National Jewish Health received the award for the Most Outstanding CME Activity for the medication reconciliation project at the Colorado Alliance for Continuing Medical Education's (CACME's) annual meeting in Vail, CO, in August 2015.
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Graphic Designer (UI/UX)
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We're looking for Graphic Designer who looks for challenges in the digital industry. Antikode itself will be creating superior website / mobile apps to SME & big corporations and we'll be needing a graphic designer which also handles other requirements other than UI/UX. You'll be working on challenging projects from some of our clients such as Bank Mandiri, Telkomsel, Polytron (Fira), 7-Eleven, Union Group, Brightspot Market, Sinarmas Group and more from other various industries.
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Creating graphic design for branding / marketing material to complete the product that we're creating (mostly for apps & websites)
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If you feel that you can meet the qualification and up for the challenge, please send your complete resume and current color photograph by clicking button bellow
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We are a UI/UX (user interface / user experience) design & development company. We have helped multiple clients from small medium businesses to big brands from various industry to create their website / mobile apps user experiences from the design & the development.
We're currently working on some high profile projects from Bank Mandiri, Telkomsel, Polytron, 7-Eleven, m-saku, Union Group, Brightspot Market, and more from other various industries.
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