text:
collect local, collect global
manipulate huge sets of data
virtually unlimited space, no restraints to information sharing
nurtering a critical mind, NPOV: informing rather than manipulating
empowering individuals, the {{so fix it }} culture
A priori Trust, opening the gates rather then closing them, the more people you let inside the more likely you're of letting the doors open
" the problem with wikipedia is that it really works!
sustainable?, @beggining, 2004, 3 servers, today, 350 servers, 6 millions articles, 50000 user accounts
or inovation?
people whatching and reparing stuff
the problem is with small corrections, like dates, changing lightly political views, etc...
"people love to share"
"why would I want to share"
7h/3weeks driving
teenage hangout online
virtual world like second life
it all starts on virtual hotel
there's virtual competions, virtual place like restaurantes, bla bla bla bla
personalization, profiles/character, hotel room, credits bought with real money, express themselfs
collecting items, rare items, tresure rooms
pollaroid photos
groups: military, mafia, etc
contests: singing, beauty, ugliest
familiar bonds
WebPage for every user
chat, converstions
real time interaction
imersive user interface
prize the fun of doing, instead of the money oriented view
defined use-cases
social software consulting and development group
nice progresses with social tools on enterprises
we need to feed our minds, not the machine, refactoring the factory
The good news: enterprise IT is changing!
people are great with pattern matching
"it systems do not understnd how we work", peripheral vision and "intuition"
"we are wasting a lot of brain power in a large organisations"
A new generation of social tools is emerging, wikis, social tagging, blogging
"applications that harness netwrok effects to get better the more people use them" tim o'reilly
key elements of 'enterprise 2.0', social tools, ecosystme of data, connected infrastructure, subscribption and aggregation, participation
next stage: from participation to collective intelligence, MIT center for collective inteligence, google, wikipedia, innocentive
WARNING: Collective Inteligence NSFW, not work place terms!!!!, preference elicitation, hundredth monkey, simulated reality, superorganism, ....
what matters inside large organizations, better understanding, more effecitve collaboration, better decisions
is there really such a thing as global CI?, Digg?
Collective Inteligence exists within defined communities, digg, slashdot, wikipedia, etc... reflect their native culture and norms, actionable CI existe within more bounded communities and networks, compannies > 1K people have just enought scale to support their own more productive versions of these systems
the enterprise opportunity for CI, far too much time and work is being lost, we should be able to ask the following, the bottom line, massive potencial cost savings throught doing existin work, a multiplier effect on productivity, greater pheriferal vision, less duplication of work, a major source of value in closer, more personal relationships
the basic process of social reading, writing and filtering, individuals, groups and divistions act as funnels, 100 items suggested by your social network, 10 items important enought to be linked and tagged, 1 item gets blogged in full, social reading and filetring drives relevance, other can share what you blog, link or read, information is finding me, instead of the other way arround, Untitled
encouraging CI within the web2.0 mix, Dion Hinchcliffe's 5 suggestions, be the hub of a hard recreate, seek collective inteligence, ....
joined up social tools!!, feeds everywhere for everything, feed library managment with attention data baked in, simple filtering tools: social newsreaders, a good recomendation engine, social bookmarketing and blogs, clipstream tool to share collections and remixes, social search, driven by attention data & link authority
the importance o engagement and context
software is not enougth!!, to reach second wave adopters, we neet to create 'situated' apps that are mapped to existing practice in order to make them reflect the already existing workspaces
what happens during the first 5 mins in the presence of an robotic object, camera, touch sensors, accelerometer, distance, etc... - SENSORS, from SENSORS, arrise opportunities: face recognition, etc.., experimentation protocol, what's the object capable, what do they respond to
Not necessarely in the geographic sense
schools in remote areas do not have good enougth, teachers, retention of teachers, educational technology, is traditionally piloted in affluent urban schools, biasing the results, EI is perceived to be over-hyped and under-performing in schools with good students and techers, ET should reach the under-privledge first!
Alternative primary education, where schools don't exist, where schools are not good enough, where teachers are not available, where teachers are not good enough
Children and Self organization, Experiments Showcase, 1999-2004, The Kalkaji Experiment, the hole project, a pc embeded into the hole connected to the internet, raised more questions than answers, does the language matters?, was this for real?, ..., second approach, experimental proceding, 7 hours later, 17 youngsters were browsing, RESULT: youngsters can self educate!, The Mandantusi Experiment, no english teaching in mandantusi, more gilrs than boys, the computer had lots of cd's but no internet connection, "when they met Sugata they asked for a better processor and a nicer mouse!, they not only learn how to interact but they also learn something like 200 english words!, The Hole in Wall project, 6-13 years old can self-instruct in a connect enviroment, as long as in groups, independent of the education, ..., what do they learn do to, basic windows functions, browsing, gaming, chating, email, music download, painting, learn from educational material, over 300 children became computer literates in 3 months, with one computer!!, Letting happen, the transition of the educational process into self-organizing systems
Children and Values, some examples of confusion, sometimes its necessary to tell a lie
Self organizing systems, natural systems seem to be self organized, trafic jams, stock markets, terrorism
ANSWERS:, remotness affects que quality of eductation, remote locations should be taken care first, values are adquired, doctrine and dogma are imposed, learning is a self-organized process
to address remoteness, values and violence, Outdoctrination
always connected, mobile mania, it took 21 years reaching 1 billion cell-phones, but it only took more 3 years to reach the 2 billion, interesting fact of cellphones, cross generations, cross society, personal, social networking craze, my space, youtube, facebook, etc..., added value to individuals, most people are afraid to be unconnected, pervasive technology, more and more channels, connectedness and the marginalization of space and time, perpetual and constant connectioness
we socialize online, much of human relation is mediated by some form of technology
culture is changing, less time reading newspapers, less time whatching television, less time going to the cinema
knowledge exchange
networking, whats the tipping point between connectiveness and sustanability
virtual intimacy and the ambiguity of communication
what creates intimacy
what stimulates relationships
we live by inference, we cannot live by a scientific manner, how can we create simple systems, but at the same time integrate complexity about our social interactions, simplexity!
identity and the rewriting of the Self, create, re-create, rewrite ourselfs online, who am I?, today we can change
change has became the norm
are we creating shadows of ourselfs?
paintable internet, thru which people are actually creating the internet, painting ourselfs
creation of identidy?, how many can we create, how many can we handle, fragmented identity, several services, several identities, if we can or simple don't want to update our identity are we excluding ourselfs?
tags: people will be tagged
First life is made from material stuff
second life is virtual
what is the debt exactly?, human resources, expended energy, an avatar consumes 1,752 Kwh per year, by comparison a human consumes on average 2,436Kwh per year, (nicholas carr's blog, 05.12.06, an avatar produces 1061 Kilos od CO2, the equivalent of driving a suw for 3700Kms, a debt to the sedentary body sitting in front of computer screens, and sitting in front of our gaming machines
So what? why does this matter?, it matters because, there are critical externalities, 1st life doesn't reboot when the system crashes, if the enviroment crashes there's no way of turning back, in 1st life you can't really install more servers, in our 2nd life worlds we have multiples avatars, in our 1st life we only have one body, in 1st life we can only have one possible world to inhabit, this particular world has inumeros crises, so what?, is there ways to merge both of them?, to create links bethwwen them?, can we create 2nd life worlds that have the material contingencies of 1st life worlds, where should we start?, PLAY!, by playing people are actually briging the gap between 1st and 2nd life worlds, start by creating legible, playful reminders of the materiality of the 1st life, motion, reminder of our own body materiality, wii, time, animal crossing, time is always present, time as in time, season time, winter, summer, etc., distance, teku teku, tamagochi with motion capabilities, motion affects the virtual pet animousity, tracks down on maps the path you've covered
how do you account for your 2nd life?
info, julian bleecker, Near Future Laboratory, http://research.techkwondo.com
personal biometric sensors
rfid tags
the new 128Bits addresses for the IPV6 provides some6.5X10^23 addresses for every square meter of earth's superficie
you're not always ware of the sensors...
people do mistakes!
you have to be able to "turn off" some monitoring
devices that do something in some places and do nothing in other places
or unpredictable and undesired emergent behaviors
12 years work
100 bilion neurons
networked with as many as 10,000 neurons
layers - complexity
eye, retina, and visual cortex
artificial neural network
one to one
few to one, one to few
one to mass
one to mass, mass to one
mass to mass
google, the end of the world?, the information provided is not from google itself, but provided by others in the mass crowd
LIFT: london international festival of theatre
different interest, differente interests, contexts for one same query!
sea of information, too much information?
time is limited, google doesn't garantee the best results in the long term, many unrelated results in a query, for instance when people just use one word queries
media divide
Quality?, unverified user generated content
participation/easy creation
Metcalfe's law, the value of the network is increasing with every new user of the network´, more and more user generated content, more quality, more value
New Creativity - Mass Creativity
Long Tail, does quantity means quality?, physical stores vs virtual stores
content aggregator
community gardener, yourself take care of your fans, wikipedia started in a very caotic way, but right now they needed to actually find vollunteers to help mantaining quality
filtered information
insight from brain science, our brain does a lot of filtering for instance from all the information gathered from our eyes, only a small part of it is actually used
mass participation of community, taking part of the community, tools to facilitate participation, tools to filter information for the users
collective inteligence of group
collaborative filtering
Lycos MX, Daum Café
Can everybody can use goole?
Can everybody write wikipedia?
Divide in creation/information retrieving
Simple funciont layers are needed
Small group of collective intelligence and small group of collaborative creativity
meta web2.0 services
solution to media divide, if you provide people in third world countries of connectivity, can they use it in the right way?, do they need extra training besides the hardware part?
true mass market - new opportunity
transliteracy, literacy in differente mediums
because of technology the world has gotten smaller
information superhighway term should came back now that internet is really fast, just like a regular highway, sometimes you have to pull aside and take a rest, rest-areas
cybercafes without coffee
the thirld world is now connected
more power to people who want to control us!
internet has changed everything, internet has changed music, because before you had to go to the store to steal it, the way we spend time, the way we define ourselfs
email has changed everything
Magnatune: leveraging consumer anger at the music industry, limited muscial diversity, poor quality, cd prices too high, ripped-off musicians speaking out, drm, symptom: using p2p is acting as a just-cause revolutionary, magnatune, sells downloads & cds, licenses music commercially, uses creative commons licence, allowing non-comercial use musics, main benefits, selected & unusual music, full free preview listen, pay what you want, from $5-$18, recoomending $8, 50 % for the musician, personal connection with the musicians, feel-good, as average, users listen thru 2.4hours, 1/10 users do buy music, music biz isn't just CDs, most music heard is not at home, but in a business/commercial settings, it's where the real business is, commercial places, restaurants, shopping malls, films, it's a culture builder, respect your users time, licence terms, differente licenses for different uses!, negotiate, if its not porn you can use our music!, use it as in in-development products for free, podcasting is selling music!, help musicians sell their music, podcasts, review system, give 3 free copies to your friends, put your face on the project, whatever it is, create a bond with users, explain your reasons and doubts
Think ouside the box
started vpod.tv in september 2005
time magazine nomineted you for person of the year, everyone is a producer this days
paradgim shift, time shifting, device shifting, I don't watch tv anymore, watch what really interest me!, place shifting, how to retain customers?, how to capture new markets?, content producers shifting
youtube, is this what internet video should be, too much choice, too much links, I'm confused
joost, this is probably where we're all going!, full screen tv
6 big pains points in the video value chain, creation/editing, sharing/publication, search, yahoo, blinks, google, ..., moderation, programming, syndication/monetization, infrastructure
vpod.tv simplifies the process of creating your own channel, allows the creation of a tv channel, allows the creation of an audience
vpod publishes to 7 screens families, internet, full screen, mobile phone, portable players, tv set top boxes, wireless frames, widgets
lives in NY near almost 300 art galleries
only one dedicated to new media art
laking a truly new media art oriented market, web art, interactive/robotics art, transgenic art
europe situation, goverments support artists, really important, to sustain and help mantain the artists, new media has to be rexamed for what it real means, media based art is very hard to be stored, some thing made today might be obsolete to mantain tomorrow, archiving?, platform, operating systems, etc
when its good
when its not that good
we are suposed to provide technology that make things more rational
are the current tools and societies more easily to manage?
no... it's exactly the oposite
are we more productive?
it's all about disorder (inovation), we're creating technologies that introduce more disorder in the world, allowing them to combine themself with other disorders, creating an even bigger potential
there are something more than tools that need to be modified
using technology to, disguise, create, assert, change, project, who we want to be recognise with
there's also a not so bright side of creating identities
borders are harder to transverse by people
it's the same set of technologies that is creating this
gradual climate change
new regulation
citizen participation
social inequality
they're here,
and they're here to stay
capture the power
handles for the change
platforms of change
agents of change, reconnect, recongnise, the, disorder, in, world


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Who We Are
We Are a Community Health Center
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Small Enough to Care
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text: for all thoes people who are experiencing this problem, i have a few tips that worked for me. Solving Windows freeze on startup....(this can happen when even booting from the startup disk, it has nothing to do with any drivers or software related issues) If you have sprung upon this problem after installing a driver, then it is a possibility, but for the majority of people who havent been able to enter windows, this is for you. Fault finding process; 1. UNPLUG all USB connectors, including keyboard and mice USB. Use PS2 keyboard for BIOS settings Reboot windows, Problem still stands??? Yes - move onto step 2. No - Diagnose which USB is causing your problems (connect one by one untill windows fails to boot. Main possibility is USB keyboard. Try disabling any USB Keyboard options in the BIOS. 2.Enter BIOS settings - Depending on your BIOS, Disable any USB Keyboard options. Test Windows?, Move onto step 3 3. Disable ALL LAN Networking Controllers from the BIOS!. Try removing LAN boot from the Boot sequence options. (Disabling network controllers worked for me.) Failing to succeed move onto step 4 4. Try Disabling all Raid options in the BIOS 5. Switch off your computer, remove one by one, each pci card you may have, and retry booting. Do not re-insert the card removed until all cards are removed. 2 cards could be simultaneuosly causing the problem. By PCI cards, i mean the accessories, such as WIFI cards, tv capture cards etc from inside your computer. Removing the graphics card may be an option if you have onboard graphics to switch to. -If windows boots on the removal of your graphics card, this could indicate a video setting issue with in you BIOS. 6. Disable any special motherboard functions, they may not be compatible with windows 7. Make a backup of your BIOS settings before tinkering, save a BIOS profile if your motherboard supports it, or reset to defaults if you cant remeber what youve changed. Failing upon that.... Try inserting the windows disc and booting from it, if you still get the freeze, it is a BIOS issue, so the fix is in that BIOS somewhere! Youve just got to find it! Try removing all hard drives and booting, If you windows disc succeeds to boot, and enters a hard drive - driver select window, then your windows disc is most likely fine, meaning the disc is not the source of the problem. Try plugging in a hard drive used for storage through IDE or sata. One that doesnt have a windows platform installed. If the freeze stilll occurs when booting from the disc, you can be sure its not a driver related issue. I hope this help!


text:
Onset of action of relaxants
- Cite this article as:
- Donati, F. Can J Anaesth (1988) 35(Suppl 1): S52. doi:10.1007/BF03026928
- Citations
- 575 Downloads
Even with the introduction of the priming technique, the time course of succinylcholine blockade is thus far unrivalled.54 Large doses may be administered to obtain profound relaxation without undue concern about recovery. However, many clinicians prefer the use of atracurium or vecuronium because of the side effects of succinylcholine. The induction technique must then allow for the longer onset time of the non-depolarizing blockers and the inadvisability of administering large doses for short duration procedures. Until a shorter acting non-depolarizer is available, anaesthetists will have to choose and base their decision on their own experience, the expected duration of the procedure, and most importantly, a good evaluation of the patient.


text:
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text:
Sep 1, 2007
Growth forecasts are bullish for the Caribbean, where overspending on sports is countered by tourism and construction investment. However, crime is still an issue.
The Caribbean economy is
booming, with rapid growth led by the Dominican Republic, which
this year expects its tourism-fed economy to expand by between
7% and 9%. Virtually every other country in the region will
also see rapid growth. Among the best-performing in 2007,
according to FirstCaribbean International Bank, are Trinidad
& Tobago (6%) and Barbados (5%).
In Cuba, where the Castro regime claimed 12% GDP growth last
year, caretaker leader Raúl Castro is calling for
increased foreign investment and a crackdown on inefficiency
and corruption in the state-controlled economy. Even Haiti
the poorest country in the Western Hemisphere
will see its shattered economy grow by 3.5%, though far more
prosperous Jamaica is expected to see GDP growth of only 2.9%,
according to FirstCaribbean.
Yet runaway crime may threaten development. Drug
traffickers, who use the Caribbean as a transit point, have
driven up crime by...
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June 1, 2017 | Santo Domingo, Dominican Republic
Central America boasts the highest growth projections in all of LatAm, benefiting ... more
June 8-9, 2017 | Cartagena, Colombia
LatinFinance returns to Colombia to host the region's most important capital markets and investment forum ... more
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text:
Mahou Shoujo of the End
2,480pages onAdd New Page
this wiki
this wiki
Mahou Shoujo of the End (魔法少女・オブ・ジ・エンド)
Kogami Kii hates his normal everyday life and wishes for something to happen. One day in the middle of class, he looks out the window and sees his teacher's head explode when a little girl hits it. He goes to the bathroom to calm himself, but when he gets back to the classroom, he finds most of his classmates killed by the same little girl.
External LinksEdit
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text:
This is an official announcement that we will be going dark on after midnight of January 18 2012 to protest the Stop Online Piracy Act (which is now effectively dead) and it "lesser" twin the PROTECT-IP Act (which is still alive and kicking).
As of now, the blackout will end after 12:01 AM Eastern time on January 19 2012. We anticipate going dark again on the day that the US Senate votes on PIPA, and that will be on January 24 2012 beginning at 12:01 AM Eastern to January 25 2012 at 12:01 AM Eastern.
We will be redirecting all of our websites, including BattlestarWiki.org, FrakMedia.net, BattlestarForum.com and GalacticaGeek.com, to the SOPA Strike Page. The only website we will leave unaffected is the Battlestar Wiki Blog, so that people know what is going on.
For more information on these two disastrous, unethical pieces of legislation please click here.
Thank you for your attention. Actual out.
Post Updated: January 17, 2012 at 12:28 PM Eastern.


text:
Hyderabad, Feb 10 (PTI) Andhra Pradesh Chief Minister NKiran Kumar Reddy today urged a Central team of officials tohelp the state get substantial funds for providing relief tothe farmers who suffered heavy damages due to heavy rains lastyear.
The losses suffered were to the tune of Rs 12,500 croreduring 2010-11 as per preliminary estimates, Reddy told a teamof Central officials who toured the state to estimate thelosses.
The state government has already released about Rs 2,200crore, he said and urged the team to help the state in gettingadequate funds, an official release said.
Meanwhile, leaders of Telugu Desam and BJP also met theofficials and asked them to help the state in a big way. PTISJR ABC


text:
Reviving High Streets With Housing
About 12% of space on high streets now empty, according to a recent report from Brewin Dolphin Investment Banking. This underutilized space should become housing in order to keep high streets alive, writes Jackie Sadek, head of regeneration at CB Richard Ellis and chair of the British Urban Regeneration Association.
"There is still a huge amount of sentimentality around this debate, which is preventing us from finding a solution. Instead of harking back to the days when mum shopped daily, with her wicker basket, at the butcher, the baker and the candlestick maker in a Hovis-advertisement-style high street, we need to face the hard fact that half the UK population do their food shopping in just two stores – Tesco and Asda – once a week. And get over it! We need to learn to work with the grain of the market if we are to find a way forward for our high streets."
Thanks to ArchNewsNow


text:
92 photos
Auction - May 27, 2017 at 8:00 AM 470 acres 3 Beds | 4 Baths | 8500 sqft 12371 Co. Rd. 391, Holts Summit, MO 65043 - Callaway County
Home and 470 Acres Callaway County Online Auction
ONLINE ONLY AUCTION Property Location: 12371 Co. Rd. 391 Holts Summit, MO 65043Acreage: 470 +/- Acres being offered in 6 Tracts.Date: Online bidding will begin May 27th, 2017 at 8 am CST and will end June 5th, 2017 at 12 pm CST.County: Callaway County, MOFor: W.B. & J.A. RodgersViewing: Shown by appointment only. Description: Unique opportunity to purchase all or a portion of this fantastic 470 +/- acre Missouri farm! This farm is nestled in the bluffs of Callaway County overlooking the Missouri River Valley. An 8,500 sq.ft. custom home is perched atop the bluff and features a great view of the Missouri State Capital Building. This home was designed with sophistication and features characteristics one rarely finds. At the base of the b
D.W. Hindman Living the Dream


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text: FLOW-3D 11.0.4 (x64) | 508 MB FLOW-3D - it's a general-purpose CFD package is able to simulate a wide variety of fluid flow problems. Although the package is a specialized simulation of flows with a free surface, but the FLOW-3D is an excellent program for modeling and limited internal flows. FLOW-3D is a package of "all inclusive" ... does not require any additional software. The graphical user interface links the formulation of the problem (including the creation / import geometry & mesh generation), preprocessing, solution, and results management by offering a few useful utilities, such as: STL file viewer, head of solutions and means of monitoring the progress of calculation Year / Release Date: 2015 Version: 11.0.4 Developer: Flow Science Developer website: Code: www.flow3d.com Bit: Windows 64bit Language: English Medicine: Present (Team-SolidSQUAD) Code: [center] [b]Download From NitroFlare[/b] http://www.nitroflare.com/view/A97F8A2BB6D986F/FLOW.SCIENCE.FLOW-3D.V11.0.4.WIN64-SSQ.rar [b]Download From xxxxxxxx[/b] http://xxxxxxxx.net/file/7fa4922ed815c68ab96d377944a45b92/FLOW.SCIENCE.FLOW-3D.V11.0.4.WIN64-SSQ.rar.html [/center]


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The Movie
this is a story about a young girl watching her mum go through cancer and how hard it is on some poeple.
Minnie watched as the credits rolled up the screen. Tears were still streaming down her face. She looked around, couples were hugging and holding each other close, friends were talking and everyone, girls and boys had tears in their eyes. She knew that the movie had worked. She hoped that everyone knew how short life could be and she hoped that everyone would take control of their lives and live without regrets. Her teacher came up to the podium and he was wiping tears from his cheek.
"I knew Addison, Minnie's mother personally and was a very close friend, Minnie has inherited a great gift from her mother and I think we all should live without regrets and whenever we do something that we are scared to do, we should all do it with Addison in mind. She will always be the angel watching over us. Now, here to tell us more about the movie is Minnie." As everyone started to clap Minnie got up and went to the podium. She shook her teachers hand and thanked him for the introduction. When she was there and she looked out at the audience, butterflies fluttered around her stomach and so she drew energy from her nerves.
"We have nothing to fear but fear itself. That is something my mother would always tell my siblings and me. So when she told us she had been diagnosed with cancer we were all concerned. I am the youngest and my oldest siblings were in college or working on their career. We all had become so wrapped up in our own lives that we barely knew each other. So we spent a lot of time in awkward silence as we all were worried about mum. Then one day as I was making breakfast I bumped into Mitch and spilt milk everywhere , I burst into tears and all of sudden it didn't seem to matter how much time we had spent apart from each other. He did what he had always done when I was crying; he put his arms around me and told me that everything was going to be okay. I asked him how he knew that and he told me because we were a strong family and we were raised by the best mother ever. Aaron and Anastasia walked in then and we all had a good cry together. It was during that very sibling moment that I came up with the idea for this film. I hoped my mum would be able to watch it but I didn't finish it in time." Minnie took a deep breath and wiped the tears from her eyes.
"My mother has and always will be my hero and my inspiration. Most of the film was actually what she herself shot all I did was the interview and pieced it together. I hope we have all learnt that life is short and unpredictable.
"No matter what tell those you love just how much you love them. Never miss a moment and don't ever regret not doing something, just do it. Follow your heart and you will always be doing the right thing. The world is a hard place to live in but try to live in it rather than always being on the outside and unhappy.
"There are so many other quotes said by people wiser than us that we sometimes don't listen too. So when I asked my mother why no one ever listens she replied 'because they've forgotten how and more importantly they've forgotten that relaying on someone else isn't a sign of weakness, it's a sign of strength. Asking for help is sometimes the strongest thing someone can do.' I will always remember those words and I will hold them close to me and although I may be afraid to ask for help at times, I will take a deep breath and ask anyway because I know that just asking for help makes me stronger and I will get the results faster.


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Plantation Mouton (Bois Des Chenes)
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Having been in the go for 3 weeks straight today is an official Rest Day. We are staying at the Ramada (would recommend to anyone). Huge place complete with convention centre. So no alarm this morning but still up by 8am and breakfast in the hotel, eggs bacon, fruit, coffee, juice... Back to the room for a read and a snooze. Room was made up whilst we were out very efficient. Caught an Uber into town for lunch at Jolies Bistro, up market but not overly ...
... last century Acadians have made achievements in the areas of equal language and cultural rights as a minority group in the Maritime provinces of Canada and here in Lafayette. Lafayette was voted the happiest city recently in the USA. Declan is eating a Cuban sandwich not sure watch that has to do with Cajan or Arcadian and I stopped of earlier for some Southern Fried Chicken. KFC you are not on the same page! Well it's 5:30pm and we have found a bar. Unfortunately the southern belle ...
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... of green pastures with beautiful green trees and lots of grazing cows. If not for the power lines that marred the view, it would have been perfect. Honestly, I don't think Texas has ever buried a power line. They love their erector sets that hold the wires up high and transfer power from station to station.
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... and served over grits typically for breakfast or brunch.
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From Paromita Biswas, Western Carolina University, Hunter Library
From Allison Brown, Digital Services Coordinator, University of Otago
From Mike Conlon, VIVO project director
From David Wilcox, Fedora product manager, Open Repositories 2017 Fedora Interest Group co-chair
Join us for the Fedora Interest Group sessions at Open Repositories 2017 to meet other Fedora users and developers and share your experiences with one another. If you are new to Fedora you will find many opportunities to learn more about the repository software from your peers in the open source community.
From Mike Conlon, VIVO project director
Charlottetown, PEI, CAN; Austin, TX discoverygarden and DuraSpace are pleased to announce three digital repository-related New York City events that will take place on November 28, 29, and 30. Take advantage of this opportunity to meet people interested in digital repositories, participate in hands-on learning, ask questions, and access helpful resources. We hope to see you there!
From Mike Giarlo, software architect, Stanford University Libraries, on behalf of the Hydra-in-a-Box tech team
Palo Alto, CA Development on the Hydra-in-a-Box repository application continues, and here's our latest demo. Continued thanks to Indiana University for contributing to these sprints!
From Susanna Mornati, Chief Operating Officer, 4Science Milano Italy October has been another busy month for 4Science!
The DSpace-CRIS Community now has a new member, the Cyprus University of Technology, that made the decision to migrate from DSpace to DSpace-CRIS. 4Science was asked to provide them with the necessary support.
From @mire A few months ago we were once again on a quest for new co-workers. Selecting candidates based on a few conversations and tests is always an intense process. Luckily, there's always one important indicator telling us if a candidate may be suited for a job at Atmire.
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From Elsevier Improving Coverage and Discoverability of Published Research by Qatar University Authors


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Flashlight - New Boyfriend lyrics
New Boyfriend by Flashlight
I grew my hair and i felt better.
I went and bought a cardigan sweater.
I tried some smack it made me sick.
Now my stomach is a-ci-dic.
I thought, "for sure she's an addict".
She found me vaguely attractive.
Down at the beach where i met her.
She picked my nose, I felt better.
I'd eat dog shit to make me hurl.
I'd even dress up like a girl.
Your band will make us all the loot.
We'll name our first born after fruit.
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How to Shape and Thin Crapemyrtles
Crapemyrtles do not require pruning and simply shaping and thinning will do.
Shaping and thinning Crapemyrtle tree varieties, like the Southern Living® Plant Collection's Delta Jazz® Crapemyrtle:
Remove sprouts from the base and trunk of the tree.
- Remove side branches that grow below 1/3 of the height of the tree. For example, if the tree is 6 feet tall, remove side branches growing from the ground up to 2 feet or if the tree is 15 feet tall, remove side branches growing from the ground up to 5 feet of the tree.
- Remove dead branches and branches growing to the inside of the tree, leaving only vertical branches and ones growing outwards from the tree.
- Cut back the stems that hold the blooms to 6" above the intersection where the stem meets a branch.
In the left picture below, the branches to remove and the stems to cut are shown in red. The right picture below shows the tree after the pruning cuts.


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ED Magedson – Founder
Ripoff Report
Endeavor TelecomMarietta, Georgia United States of America
Endeavor Telecom Endeavor unethical business practices Marietta, Georgia
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Like others on here, I have been doing business with Endeavor for over 1 year and have done over 100 dispatches for them. I have numerous examples of them shorting my time on invoices, sending me to sites with little or no information. I have waited on hold for over an hour on at least 3-4 dozen occasions. My latest complaint involves the last month or so, nearly every invoice I submit gets shorted. The times I show for logging off vs what Endeavor shows, never seem to jive. They are intentionally leaving off the 45-70 minute close times. Sometimes they simply state that they were not kept in the loop on a long call with Megapath or whoever the job was done for and that they cannot bill for the time, when the notes and times are clearly accounted for by myself or my techs. In addition to these shady practices, they recently begged me to do a job on a Saturday and stated that it would be paid non standard rates. First, they shorted me on the time, then they stated that I was not setup for Non standard rates. When they adjusted my contract to show Non standard rates, I noticed that they were the same rates as standard.
My complaint list with Endeavor goes on and on just like this. They have cheated myself and my techs on numerous occasions. We continue to accept work from them only as fill work to keep the trucks rolling. I highly recommend finding other work rather than do business with these folks.
My principal purpose in posting this complaint is to find others that are willing to sue Endeavor with me. I have amassed at least 20-30 invoices that were shorted and can easily be proven in court that they do this as a matter of practice, not isolated mistakes. I intend to post classified ads to recruit lawsuit participants as well. Please contact me at (((ROR redacted)))
PS. If you are Endeavor and you wish to contact me and intimidate me into removing this post, please don't waste our time. I have evidence of everything I have stated here. Nothing stated here is either slanderous or libelous. I merely speak the truth. I absolutely am frustrated by your company and your unethical business practices and fully intend to sue you for what I am owed.
CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
This report was posted on Ripoff Report on 02/07/2011 08:56 PM and is a permanent record located here: http://www.ripoffreport.com/reports/endeavor-telecom/marietta-georgia-/endeavor-telecom-endeavor-unethical-business-practices-marietta-georgia-692196. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Nic started in music at 16, working in a record shop and DJing in local bars in his hometown of Maidstone, Kent. His first proper break came five years ago after slipping unmarked mix tapes to Maidstone's Club Class promoter. After the 3rd tape and a 6-week hunt by the promoter Nic was given a weekly main room residency.
"I'd been going to Club Class since the day it opened, as a punter, it was the club that made me want to be a DJ. My best memory is when Carl Cox played and there was a massive power cut. He managed to get the monitors working by putting a knife in the fuse box and we all danced off the monitors for about 10 minutes - until the sound system kicked in and the place went nuts! I became resident about a year after that and still love it as much as I did then." - Nic
The same year (aged 19) Nic started his own record label: Portent Records. The first track signed was Mojolators 'Drifting', which was then signed on to Multiply after Pete Tong played it for 14 weeks in a row on the Essential Selection.
Through Club-Class, Nic has gained massive respect from DJs across the spectrum. His style weaves through all levels of house; laced with deep tech grooves, acid b-lines and jackin' dark beats. Xpress2 proclaimed him their tip for the top in October 2002, whilst Tong said he was the finest resident in the UK as well as props from Yousef, Deep Dish, Morillo and Lawler along the way.
In 2003, as Nic's profile began to build he signed to Club Class Artiste Management, he played for Cream in the UK and Ibiza, for the Radio 1 weekends in Ibiza, Miami and Cardiff and the Radio 1 Outdoor stage at Homelands. Plus gigs at Shindig, Passion, Circus, Type, and in September last year he started a new residency with The Gallery at Turnmills on the first Friday of every month. The residency continues throughout 2004 and Nic's room (T2), called Fandango, is purely for him to invite DJs he has long respected and to push the finest new-breed through the ranks - so far including Rocky and Diesel (X-Press2), Yousef, Paul Woolford, Krysko, MYNC, Mark Knight, Nils Noa, Desyn Masillo, Greg Vickers and more to come.
MTV tipped Nic for the top in their young-guns series, he mixed a covermount CD for Mixmag and in May 2003 Nic did his first ever Radio 1 Essential Mix, where Tong tipped him as one of the finest residents and best up-and-coming producers in the UK.
Nic's production and remix work (under his Skylark banner - produced with Andy Chatterly) also stepped up a gear in 2003, pushing him through as both an artist and DJ. His remixes of Jo Mills' 4Tune 500 'Dancin in the Dark' achieved 'Essential New Tune' status, whilst his remixes of Sandy Rivera's 'I Cant Stop' (Deep Vision) and Deep Dish's 'Prahna The Dream' (Yoshitoshi) cemented his reputation as one to watch. In August 2003 Nic once again achieved Essential New Tune with his own production work with 'That's More Like It' - now signed to one of the hottest labels in the UK - Credence Records and was released in March 04 complete with a re-rub from one of the finest producers, DJ Pierre.
Forthcoming in 2004, expect more remixes for Deep Dish's label Yoshitoshi, Chiapet's 'Westworld' and Dish's Flashdance coming soon, he's remixed Paul Woolford's 'Mind Over Matter' and has completed a return remix for DJ Pierre's 'Turn It Up' on Credence. The follow up to That's more like it, a re edit of Tears for Fears 'Shout' has been widely acclaimed as THE tune for Ibiza 04 and has been picked up by Tears for Fears for release as a single no less !!! This tune is being hammered by Danny Howells, Pete Tong, Steve Lawler, Hernan Cattaneo, Greg Vickers and Deep Dish.
Nic has been signed up by Deep Dish's DJ agency 'Bullitt' for representation in most of the world, this has led to confirmed dates all over America and Europe the highlight's being a 2 week tour of the US, tours of Asia and Festivals in Hungary, Helsinki and Dance Valley in August !!!
Vanessa Fontaines 'Represents' look after Nic in the UK and Ibiza, with dates at Shindig, Kelly's, Type, Circus, Cool House amongst others and his ongoing Club-Class and Fandango residencies… Nic's profile in the UK couldn't be bigger… In Ibiza dates for Cream @ Amensia plus Pure and Yoshitoshi @ Pacha this coming summer look set to cement his reputation on the white isle….
If this wasn't enough Nic has recently been asked to mix the new series of Mixmag 'Live' a compilation CD which Nic will be doing this summer, an accompanying tour will surround the release of this CD in September !! In past years other DJs to do this have included Carl Cox and Laurent Garnier no less….
Finally there's the small matter of being asked to join R1 which Nic has agreed to do as one of the resident DJ's - Head Honcho Matt Priest of R1 quoted 'We're delighted to add Nic to our dance


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German Shepherd Dog Forums (http://www.germanshepherds.com/forum/)
- Pictures! Pictures! Pictures! (http://www.germanshepherds.com/forum/pictures-pictures-pictures/)
- - Fun In The Snow!! (http://www.germanshepherds.com/forum/pictures-pictures-pictures/409714-fun-snow.html)
Fun In The Snow!!
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Jerry Lee's first snow with his buddy :)
Awww :) I love snow photos :D
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I meant to post these pictures of Jerry Lee earlier so I figured I would go ahead and add them to this thread.
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Investors often overestimate the probability of a favourable outcome coming to pass in a given situation. We also put great faith in mathematical models despite major flaws and create models based on past data, which is validated only against that same past data. This can have some strange results
Investors certainly have a lot of enemies these days. Governments are certainly near the top of the list. Capricious governments are happy to indulge in dubious macroeconomic experiments while failing in their basic regulatory function to prevent fraud and establish a stable investment climate. The failure of government has taken its toll on the one important area where government can make a difference, accurate, complete and timely information. But the investors' real enemy is still themselves.
Our real problem as investors is that not only do we not get good information, we have a tendency to ignore the information we get. For example, many commentators assume that the United States (US) will raise its debt ceiling and that the Eurozone will solve the Greek issue without a default, despite a great deal of accurate information to contrary. This is called the positive outcome bias, which is the tendency of people to overestimate the probability of a favorable outcome coming to pass in a given situation. We put great faith in mathematical models despite a major flaw. We create models based on past data which are validated only against that same past data. This is called the forward bias. These and others can have some very strange results for investors, none so much as the idea of a hot stock. In the US we have a very obvious example, Netflix.
Netflix was a company with a very good idea. Rather than go to a store to rent DVD movies, you could get them by mail. Not only was the delivery a good idea, unlike Blockbuster, the brick and mortar franchise, Netflix did not charge irksome late fees, which often cost more than the rental fee itself. When Netflix started in 1999, Blockbuster had few competitors and so dismissed the threat from Netflix. Blockbuster went bankrupt in 2010.
Meanwhile, Netflix went from strength to strength. It achieved 10 million subscribers in 2009. The stock also did quite well. For much of its history the stock traded barely above 20, but with the demise of what was considered its only competitor, it started doing much better. At the beginning of 2007 it was trading at 22. By March 2009, when all the other stocks had crashed, it had increased 75% to 35. In another year, in 2010, it had doubled to 70, and increase of 40% in five weeks and it was trading at 27 times earnings.
By that time, another cognitive bias had come into play: an availability cascade, a self-reinforcing process in which a collective belief gains more and more plausibility through its increasing repetition in public discourse. The Netflix 'story' had taken hold, but it took off with internet streaming. The service was actually available as early as 2008, but really got going in the fall of 2010 with the 'Watch Instantly', service, initially free with a regular subscription. The stock doubled again to 120.
The main part of the collective belief was that Netflix did not have any competition. This is far from true. Its original competition Blockbuster went bankrupt, but not out of business. There are other companies like Amazon and Hulu that stream movies and television shows. Hulu is small, but it is owned by NBC Universal, Walt Disney and News Corp. Other competitors include such heavyweights as Google and Apple. Besides the entertainment and tech giants, Netflix competes against the large cable companies that all allow movie rentals.
Netflix managed to increase its subscribers to 25 million, 70% of this last year, thanks in part to the strength of its brand. Then, Netflix decided to change its fees. The internet streaming which had been free, would be subject to an additional charge. The new charges increased the monthly fees by 60%. The reaction was immediate. Over 12,000 customers posted complaints on Facebook and a survey suggested that 26% of Netflix customers would cancel. But it did not slow the stock. The momentum of the bandwagon effect was firmly in control.
The stock actually reached new highs, based on Netflix's plans to expand into Latin America. Investors thought only about the millions of new customers. Since they were subject to confirmation bias, investors never considered that in emerging markets the bandwidth necessary for streaming movies is not widely available. The stock hit a new high of 300.
But all good things must pass. Netflix, now trading at 80 times earnings, recently fell 16% on disappointing revenues. Did the analysts admit a mistake? No, Anchoring bias. Analysts said the bad news was temporary, only temporary. Netflix would recoup its $300 price target and would hit $1,000 in five to seven years. A perfect example of an 'overconfidence effect', which is an excessive confidence in one's own answers to questions.
In the words of an American cartoonist, Walt Kelly, "We have met the enemy and he is us."
(The writer is president of Emerging Market Strategies and can be contacted at [email protected] or [email protected].)
The senior management of these institutions that claim to be serving the poor, receive unusually high payments which is not determined through an explicit process
Compensation is indeed a very sensitive and critical aspect of governance in MFIs and it has serious implications for the detailed regulatory guidelines being prepared by the Reserve Bank of India (RBI) and the microfinance bill being drafted by the Union Ministry of Finance (MoF).
That said, let us now look at some real data with regard to compensation in large NBFC MFIs. Data from a very interesting article in Live Minti has been compiled in a table, given below. The table lists the yearly compensationii (for FY2010) of chairman/managing director/chief executive officer (as applicable) at five large NBFC MFIs, with headquarters in Andhra Pradesh, the hotbed of the 2010 microfinance crisis.
As readers would recall, these top five MFIs headquartered in AP, grew at a phenomenal rate between April 2006 and March 2010 (and especially, between the years April 2008 and March 2010) in the backdrop of the earlier Krishna (2005/6) microfinance crisis. As per Mix Market dataiv they are said to have added as much as over $2 billion and about 9.59 million clients, in the two-year period (April 2008-March 2010), which is indeed phenomenal by any standards. And a brief glance at the table (data on governance of compensation) suggests that the compensation drawn by some of the CEOsv (at these NBFC MFIs) is rather unique, given that many of these NBFCs pride themselves on working with the 'poorest/poor' and/or 'excluded' to facilitate and enable their inclusion in the larger financial system.
For example, as a very interesting article in The Economic Timesvi (1 February 2011) commented: The "promoter of microfinance company…Microfin, draws a salary unmatched by any executive among listed banks. In 2009-10, he earned Rs7.4 crore as managing director of his own microfinance company. This is more than double what the highest-paid executive in all listed banks made that year-Aditya Puri, managing director of HDFC Bank, earned Rs3.4 crore. This is more than the limit set by the Companies' Act, which regulates the operations of firms in India. …Microfin is India's third largest microfinance company."
While I am not against anyone getting high compensation for the work they do (provided it is legal and justifiable), I do think it is important for all of us (the Ministry of Finance and the RBI included) to understand what work (done by the MFI bosses) justifies such exceptionally large salaries to them. This is especially critical given that these salaries are sometimes much higher than that offered even by listed (private) banks as noted in The Economic Times article mentioned. We absolutely need to understand this phenomenon fair and square!
If compensation is an aspect worthy of closer understanding, so is the issue by which equity (sweat or whatever) is allotted to the promoters. Recall Professor MS Sriram's article in the Economic and Political Weekly (12 June 2010) which talked about a huge loan of Rs1.636 crore given by an NBFC MFI to its promoter and then managing director, to enable him to buy shares in the same company at face value of Rs10.
Now, as the data (from the draft red herring prospectus filed with SEBI in March 2010 by the same NBFC MFI) reproduced in the table below shows, as of 31 March 2007, 1,636,138 company shares of face value Rs10 were bought by the promoter managing director and the source of funds was the interest-free loan provided by the NBFC MFI to its own promoter managing director to enable him to buy its own shares. This is also evident from the financial statements of the NBFC MFI given in a previous Moneylife articleviii .
Now, as is evident from the data in the table, the promoter managing director bought 1,636,138 shares (at face value of Rs10) for a total outlay of Rs1.636 crore and sold the same in September 2008 for Rs103.91 per share. The total profit booked in this transaction was approximately Rs15.36 crore and profit per share was Rs93.91. Again, please do remember that the same NBFC had lent its promoter and then managing director a sum of Rs1.636 crore to buy the same 16.36 lakh shares at a face value of Rs10.
Roughly 18 months later, all of these 16.36 lakh shares were sold for a huge profit as per the numbers above. There are several other issues here: It seems that from the public responses (received via email from Sa-Dhan) provided by the NBFC MFI, to issues raised in Professor Sriram's article, that the promoter managing director was indeed allotted shares when the concerned meetings apparently approved the ESOPs to him. Further, the papers filed with the registrar of companies (RoC) on the relevant dates also reflect the fact that the then managing director was allotted ESOPs.
Therefore, with all due respect, it is indeed important for the RBI and the Union Ministry of Finance (as part of their work on the microfinance regulatory architecture) to study and understand the rationale, terms and processes by which shares are allotted to promoters, CEOs and others in NBFC MFIs, so that any existing/potential loopholes are plugged and the scope for irregularities removed. Again, I am not against any promoter getting equity that they legally deserve but without question, the rationale, terms and processes must be necessarily appropriate and surely above board.
The above are just two instances, and as we move through the current crisis in Indian microfinance, there are several important lessons here with regard to the governance of compensation in Indian MFIs that the RBI and MoF need to understand. I will try and articulate these here for their benefit, in the hope that they will factor these in the regulatory framework that is being developed for microfinance in India.
Lesson #1: Lack of arm's-length decisions and negotiations
The governance of remuneration and incentive systems seems to have (apparently) failed in some Indian MFIs because decisions and negotiations (carried out) have not been at arm's length. Conflicts of interest at various levels have aided such improper decision-making and negotiation and much of this is applicable to remuneration and incentive systems for a range of senior management personnel and not just the CEO or managing director or chairman of the board. While there are several examples from the Indian microfinance context, the article cited from The Economic Times offers good factual insights.
Lesson #2: Inordinate level of influence of senior management in establishing remuneration schemes
In several cases that I have personally seen, senior management generally appears to have far too much influence over the level and conditions (including measures) set for performance based remuneration. On the other hand, boards are often unable to or, sometimes, even incapable of exercising objective, independent judgement. Here again, there are serious conflicts of interest, which certainly exacerbate this whole issue-in fact, this has been one of the most important reasons for inaction by the board against inappropriate remuneration proposals of senior management in MFIs.
Lesson #3: Medium and long-term risks are not taken into account
In some cases that I have closely observed, the relationship between performance and remuneration is rather tenuous and, sometimes, even difficult to establish, especially given the nature of microfinance operations. A very critical aspect here is that medium- as well as long-term risks and the possibility of adversarial political action are rarely factored into the whole process-something that should have been done, given the nature of microfinance and given what has happened in Andhra Pradesh recently.
Lesson #4: Complicated and opaque remuneration schemes
Some of the MFI remuneration schemes are fairly complicated and also opaque in terms of shrouding actual conditions in the operation of the scheme and the consequences. What I am saying is that these (operational conditions and terms) are perhaps not clear and obvious to the naked eye of an unassuming observer. These conditions also tend to encourage excessive and mindless (growth and) risk-taking and especially with a short-term orientation.
Lesson #5: Mere disclosure is not transparency
While transparency (in some cases) may exist in terms of disclosure, several MFIs couch the main characteristics of their performance related remuneration programmes in verbose technical language and thereby make it very difficult for comprehension to the normal reader. Very rarely do we get information on
(a) The total cost of the remuneration programme to the MFI.
(b) The specific performance criteria and measures along with their conceptual and operational definitions.
(c) The manner in which remuneration has been adjusted for relevant risks-especially, medium- and long-term risks as well as risk of political action (which is so relevant today). Without question, MFIs will surely need to have remuneration and incentive systems that focus and encourage at least the medium-term, if not long-term performance. This, in turn, means that MFIs must choose to reward their senior management after some actual performance has been realised and that has not usually been the case-there are several examples of high front-loaded one-time bonuses paid to senior management executives of large NBFC MFIs and the results are there for everyone to see. In fact, focus on the short-term incentives and compensation is excessive at Indian MFIs and it needs to be changed to reflect the medium- and/or long-term performance and operations.
Overall, remuneration does not seem to have been established through an explicit governance process where the roles and responsibilities of all stakeholders involved, including committee members, consultants, risk managers and others, are clearly defined and separated (without conflict of interest). The roles given to non-executive independent board members in the process-although they may seem somewhat appropriate-again appear to be laden with serious conflicts of interest. And finally, while remuneration policies are sometimes submitted to the annual meeting and subjected to shareholder approval, much of this seems to be a routine matter, with minimal (informed) discussion because of aspects mentioned earlier. Read the first instance given in the articleix on Moneylife on 29 July 2011.
Thus, in my humble opinion, an aspect that stands out very much is the irrational and unusually high compensation to senior management, directors, founders and promoters. Much of this seems to be similar to the practices observed in financial services companies during the sub-prime and global financial crisis. This apart, adhoc bonuses, pay raises (followed by sudden termination), the grant of shares when options have been sanctioned, the non-transparent pricing of options, provision of (huge) loans to enable founders and board members to buy the shares of their own company, are some of the other key remuneration issues in the Indian microfinance business that need to be studied and analysed by the RBI and the MoF.
In fact, while I have observed many of these practices during the last two-three years, the seeds were undoubtedly sown much earlier. Further, given the above situation, we, as stakeholders, need to continually ask a key question, "whether the compensation approaches being pursued are indeed consistent with the institutions' (MFIs) ethical values of creating value for clients and its objectives, strategy and control environment as well as that of the overall industry?" And we certainly need to keep looking for objective answers as well.
Therefore, as has been often mentioned, "Compensation is one factor among many that contributed to the financial crisis that began in 2007. Official action to address unsound compensation systems must therefore be embedded in the broader financial regulatory reform programme, built around a substantially stronger and more resilient capital and liquidity framework. Action must be speedy, determined and coherent. Urgency is particularly important to prevent a return to the compensation practices that contributed to the crisis.x
I hope that the RBI and the MoF focus on this aspect as part of their microfinance regulatory exercise and ensure that the same compensation practices and incentives that (adversely) affected the global sub-prime do not impact Indian micro-finance.
iSource: "Tiny Loans, Not so Tiny Salaries', Khushboo Narayan and Unnikrishnan, Live Mint.
ii Data taken from the Live Mint article, "Tiny Loans, Not so Tiny Salaries", Khushboo Narayan and Unnikrishnan.
iii Name of MFI is withheld.
iv www.mixmarket.org.
v They could be chairman, managing director or CEO as applicable.
vi Source: Quoted from "Share Microfin MD takes home Rs7.4 crore, more than double HDFC Bank MD's salary" by John Samuel Raja D & M Rajshekhar, The Economic Times, 1 February 2011.
viiCommercialization of Microfinance in India: A Discussion of the Emperor's Apparel" by Professor MS Sriram, (Economic and Political Weekly, 12 June 2010, Vol. XLV, No. 24).
viii Governance of MFIs: "Time to implement 'connected lending' provisions of RBI circular of 2007" by Ramesh S Arunachalam (28 July 2011).
xi"Who is an independent director? Who should be treated as an independent director in NBFC MFIs?" by Ramesh S Arunachalam (29 July 2011).
x Quoted from BIS paper on Compensation and Corporate Governance, 2010.
(Also read: Four ways to improve the regulation of compensation at MFIs)
(The writer has over two decades of grassroots and institutional experience in rural finance, MSME development, agriculture and rural livelihood systems, rural/urban development and urban poverty alleviation/governance. He has worked extensively in Asia, Africa, North America and Europe with a wide range of stakeholders, from the private sector and academia to governments.)
"Though customer enquiries have increased, due to the increase in fuel price and interest rates, conversion rate has slowed down," HMIL director (marketing and sales) Arvind Saxena said
New Delhi: The country's second-largest car-maker Hyundai Motor India (HMIL) today reported a 1.48% decline in total sales to 49,667 units in July 2011 against 50,411 units in the corresponding year-ago period, HMIL said in a statement.
In the domestic market, the company's sales decreased 11% to 25,642 units from 28,811 units in same month last year, reports PTI.
Exports of the company increased by 11.23% during the month under review to 24,025 units from 21,600 units in the year-ago period, the statement said.
"The July 2011 sales for both the industry and as well as HMIL had been negative. Though customer enquiries have increased, due to the increase in fuel price and interest rates, conversion rate has slowed down," HMIL director (marketing and sales) Arvind Saxena said.
In the A2 segment (Santro, i10 and i20), the company sold 41,533 units, while in the A3 segment (Accent and Verna), sales stood at 7,980 units.
The A5 segment (Sonata Transform) of HMIL witnessed sales of 13 units, while its new SUV Santa Fe attracted 141 buyers during the month.


text: Meta Battle Subway PokeBase - Pokemon Q&A Login Register All Activity Questions Unanswered Tags Users Ask a Question Rules Chat When you catch a Pokemon in a luxury ball how much happiness does it start out with? 0 votes 1,172 views black-white-2 happiness luxary-ball asked Jul 2, 2013 by Kameko Please log in or register to add a comment. Please log in or register to answer this question. 1 Answer 0 votes Best answer A luxury ball doubles the happiness value of the Pokemon when caught. So normally, a Pokemon is caught with 70(?) happiness but if you caught it with a Luxury ball, it would be caught at 140 happiness. - Halcyonic Falcon So basically, it doubles the base happiness. I got This list from an answer of yours. :P You can reference it. answered Jul 2, 2013 by Poke'slash selected Jul 2, 2013 by Kameko Please log in or register to add a comment. Related questions Does the Luxury ball give a happiness boost when bred? If a Pokemon is bred into a Luxury Ball does it still get the bonus? Does the Luxury Ball change BASE happiness? How long would it take for an eevee that was caught in a luxury ball and wears a soother bell to evolve into umbreon? How much does the item "Soothe Bell" raise happiness and/or how does it work? How much more happiness do I need for riolu to evolve in white 2? How to find out a Pokemons happiness in white 2? Does happiness go down after it maxes out? Useful Meta Posts Vote for Sun/Moon moveset questions How to change your username How to add a user avatar Why was my post hidden? The points system Question etiquette Flags vs Downvotes Anime FAQ


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Stan Walker has become a household name across the country. Thrust into the spot light after winning the final season of Australian Idol in 2009, Stan has since stared in the film Mt Zion, featured as a judge and mentor on The X Factor NZ and most recently performed on the same stage as his idol, Beyonce, as an opening act on her New Zealand tour.
Stan Walker has now been nominated in this year's NZ Music Awards for the Vodafone People's Choice Award, as well as the Vodafone Single of the Year for Take It Easy.
Have a listen to songs from some of Stan Walker's favourite New Zealand artists.
Warning: Some songs may contain explicit language.
You can play all the mixes for yourself via Spotify on the web. Or go straight to the official VNZMA Spotify profile.
The 48th annual Recorded Music NZ Vodafone New Zealand Music Awards ceremony is at Auckland's Vector Arena on Thursday 21 November. The show is being broadcast on the night on FOUR. nzmusicawards.co.nz. Tickets cost just $25 and can be purchased from ticketmaster.co.nz
You can also follow nzherald_ent on Spotify for more weekly playlists.
Follow @nzherald_ent on Twitter for all the latest entertainment news.
- nzherald.co.nz


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It only takes a minute to get started. Fill out our uncomplicated sign up form and login to the site.
This step is discretionary but will seriously increase your chances of getting interest from other over 40s members on the site. Write a little something about yourself, your pasttimes and upload a nice photograph of yourself.
Utilise our website's sophisticated search to locate over 40s members who satisfy your requirements. Or just look through listings and locate daters that take your fancy.
Identified someone who appeals to you? Send an email to them or just a wink and see if they're interested. With a little luck you'll be on your way to finding your ideal match.
It doesn't take long


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The nightmare scenario, once a mere doodle, is almost ready for the printers.
Arsenal, a Champions League club since 1998, face the possibility of a battle against relegation to Europe's second division. You can call the Europa League anything you like but that's what it is.
Only two likelihoods need to become reality this weekend. If Arsene Wenger's team lose at home to the Manchester City who swaggered to victory at Old Trafford last night, and Roberto Martinez's Everton triumph at Fulham, the Goodison clash of fourth-place contenders could see the home side edge ahead on goal difference with a match in hand.
While that might have all sorts of interesting ramifications — including the addition of Martinez to Brendan Rodgers on the list, real or imagined, of candidates to be the next Barcelona manager — Arsenal supporters will be more concerned about where it leaves their club.
They will, in particular, ponder the future of the great football man under whom Arsenal have regained a status in the world game not known since the glorious Thirties of Herbert Chapman. For one day Wenger will have to follow the example of Sir Alex Ferguson in standing down.
He may already have decided. In October, he will celebrate his 65th birthday and, while the first half of this season suggested that it would be a double celebration — October would also mark 18 years in the job — performances of late have been unacceptably limp, as if the players sensed the end of an era.
Arsene Wenger's best Arsenal XI
Arsene Wenger's best Arsenal XI
1/11 David Seaman
The England stopper was a huge reassuring presence between the posts. Wenger has always struggled to find another keeper to match 'Safe Hands'.
2/11 Bacary Sagna
His time at Arsenal may have coincided with a barren run in terms of trophies, but since 2007 the France international has been a constant and strong presence in a defence which has chopped and changed around him.
3/11 Sol Campbell
Joined on a free transfer from Tottenham in 2001 and his arrival coincided with the most trophy-laden spell of the Wenger era.
4/11 Tony Adams
Was suspicious of Wenger when the Frenchman arrived with his new-fangled ideas, but swiftly became a convert. Enjoyed a glorious Indian summer of a career with a league and FA Cup double in 1998.
5/11 Ashley Cole
Hated by Gunners fans now after he moved to Chelsea, but Cole was widely considered to be the best left-back in the world during the first decade of the Millennium.
6/11 Robert Pires
Dynamic and direct French winger who more than filled the boots of Marc Overmars. Became a firm favourite with Gunners fans.
7/11 Patrick Vieira
Wenger had spotted his potential as a teenager and made the Frenchman his first signing. Vieira developed into a legendary player for club and country, captaining the 'Invincibles' in the unbeaten 2004 Premier League campaign.
8/11 Cesc Fabregas
Hugely-gifted midfielder who carried much of the burden after the break-up of the Invincibles side before the Gunners reluctantly sold him back to boyhood club Barcelona in August 2011.
9/11 Freddie Ljungberg
Skilful Swedish winger with an eye for goal who could play on both flanks and was the perfect counter-balance to Pires. Fitted into the Wenger system with stylish ease.
10/11 Dennis Bergkamp
What a player for Wenger to inherit. The Dutchman had flopped in Italy despite great expectations when he was brought in by Bruce Rioch, but he came good under Wenger. Is now remembered as one of the greats for both Arsenal and Holland, having been immortalised with a bronze statue outside the Emirates Stadium.
11/11 Thierry Henry
Faced with the retirement of Ian Wright and departure of Nicolas Anelka, Wenger turned to Henry, at the time playing on the wing for Juventus. The France forward developed into one of the best strikers in Europe, and became the Gunners' record goalscorer.
The supposition he is about to sign a new and improved contract seems anomalous: if Arsenal were a bank, we should lambast them for rewarding regression. Football is, of course, different, a matter of faith and emotion, and Wenger inspires both. But his place in history is secure. You might call him a "specialist in Doubles" and perhaps this FA Cup, whatever it holds, will provide the moment.
- More about:
- Arsenal


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3 Risks To The Aging Population Of Canada
Canada is experiencing a demographic shift. Baby boomers, currently the largest generation, are rapidly reaching retirement age. By 2021, 17.8 per cent of the total Canadian population will be over 65 -- that's nearly seven million people. By 2041, that number is expected to jump to 9.7 million, or 22.6 per cent.
What does this aging population mean for Canada? While government services and assistance programs are greatly needed and widely used, many seniors will need other practical day-to-day help as well. Most fundamentally, it's important that seniors continue to feel empowered to lead healthy independent lives. Luckily there are a number of options available for this aging population.
Mobility around the city
When seniors have to give up the keys and can no longer be behind the wheel, isolation becomes a major risk. With a vehicle, they are more able to get out and about with peers. Losing the ability to drive can mark a significant decline in participation of social activities. Not to mention that without a car any medical appointments, grocery shopping and other essential errands become a daunting task.
Some seniors can find it difficult to get out of the house. Not wanting to be a burden, they may refrain from repeatedly calling on friends or relatives to play chauffeur. While public transit is a viable alternative, it is not always entirely accessible, especially in extreme weather like a Canadian winter day.
While some cab companies can set up accounts for seniors, other services have sprung up to address this need for mobility directly. Companies like Driving Miss Daisy provide personal transportation for seniors to anything from dentist appointments to dry cleaning. A service like this takes the challenge out of leaving home.
Home care services
Striving for independent living can become even more important as we age. It signifies control over our lives and promotes a sense of achievement and self-worth. Greater independence leads to stronger relationships, better health and financial choices, and a higher quality of life.
Many seniors live independently with little to no help. However, some may need assistance due to physical or mental limitations that come with aging. In-home medical and non-medical care services help seniors with whatever their needs may be. Depending on the company, services can range from cleaning and shopping to wellness coaching, personal care and nursing.
Home health care is provided by licensed medical professionals, such as a nurse or physical therapist. Non-medical in-home care focuses on aiding seniors with daily activities they need to maintain a fulfilling life.
Nutrition and diet
Eating a healthy, balanced diet is important for everyone's overall health since it is key in maintaining a healthy weight. Being over- or underweight can lead to troubling health conditions. According to a new study, loss of appetite is common among older adults, with around 15 to 20 per cent of seniors experiencing unintentional weight loss as a result.
Another recent study by Statistics Canada found that "34% of Canadians aged 65 or older (more than 4.1 million) were at nutritional risk. Gaining or losing more than 10 pounds (4.5 kilograms) in the past six months and skipping meals "almost every day" were the main drivers of nutritional risk."
Eating well improves our energy levels, resistance to illness and emotional balance.
Chetan (left) and Roshni (right) Bahl are the Edmonton Heart to Home Meals franchise owners.
One couple that recently opened a Heart to Home Meals franchise in the Edmonton area recognizes that for seniors, the daily task of eating nutritional meals can be challenging for a multitude of reasons.
Chetan and Roshni Bahl, a husband and wife team that emigrated from India, are now servicing seniors through their business that offers over 200 delicious and nutritious meals right to their doors.
"We have come to experience how difficult and cold the winters can be in Edmonton, so we hope this service can alleviate any challenges for seniors, especially those with mobility issues and may have barriers to nutritional meals such as leaving their home," says Roshni.
The goal of the service is to give seniors the choice, convenience and independence to live on their own. The delivery service provides an additional point of contact for seniors who want to live independently. Experts in home and seniors care have noted the importance of having a regular check-in, especially for those with mobility issues.
Found in cocoa beans and abundant in servings of dark chocolate, a recent study suggests they could even reverse age-related memory decline.
This illustrious nutrient is well known for the bouquet of benefits it presents and cognitive health is no exception. It's found in salmon, bluefish, anchovies, herring, mackerel, sardines, sturgeon, lake trout, tuna, flaxseed oil, canola oil, walnuts, soybean oil and chia seeds.
Two pilot studies have given these nutrients high marks for senior brain health. The first is found most abundantly in soy lecithin, and also in mackerel, herring, eel and tuna and it's available in supplement format. Popular with body builders, phosphatidic acid is available in supplement form, usually derived from soy.
Adding walnuts to your diet regularly could slow the progression of Alzheimer's, a mouse study suggests.
Foods are not a good source of citicoline, according to WebMD, but many people take a supplement of this compound --which is very similar to choline -- and well-documented for its neurological health benefits.
Good sources include meat, specifically liver, beans, cruciferous vegetables and eggs. It's essential for liver health and for women and it's close in structure to the B vitamins. It aids in the development of brain tissue, according to Ohr.
Recommended for those who suffer concussions, it's found in avocado, soybeans, bananas and dark chocolate and is available in supplemental forms.
Well known as an anti-inflammatory agent, studies have shown that even moderate consumption could increase neural signaling in the brain.
Follow Michael Gazer on Twitter: www.twitter.com/hthmeals


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After leading Spain to the gold medal and earning most valuable player honors at last September's EuroBasket tournament, Gasol will play in his fourth straight Olympics in Rio de Janeiro.
As Spain prepares for that tournament in August, Gasol, who will turn 36 on July 6, will be choosing where to play after exercising his player option to become an unrestricted free agent. The Bulls will be one of many suitors for a player whose international career rivals his NBA success.
"I can't say when it's going to be my last dance (with the Spanish national team)," Gasol said. "But it definitely will...


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Series: Arxius de les Seccions de Ciencies Volume: 127
556 pages, 80 b/w line drawings and b/w distribution maps
Language: Catalan
This thesis reports the results of a study on the epiphytic lichens, their lichenicolous fungi and some corticolous fungi of 97 localities, 74 of which are situated in Southern Catalonia (Baix Ebre, Montsià and Terra alta) and the rest in the País Valencià (Baix Maestrat, Plana alta, Plana baixa. Els Ports, Vail de Cofrents and Baix Segura). The principal aim of this study is to set up: 1) the floristic catalogue of the epiphytic lichens and of their lichenicolous fungi and 2) the epiphytic lichen communities of Southern Catalonia.
Sixty species of phorophytes were sampled. The floristic catalogue includes 340 taxa, 319 ascomycetes (108 genera), 11 coelomycetes (8 genera) and 8 hyphomycetes (7 genera). Among the 340 species listed, 48 taxa are lichenicolous fungi and some others are non-lichenized ascomycetes. Further, 2 myxomycetes found growing on lichen thalli are also mentioned. As a result of this study 5 lichen species have been described and a new combination was already proposed.
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