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Dates: Jan. 17 [Wed] - 19 [Fri], 2018
Venue: Tokyo Big Sight, Japan Organised by: Reed Exhibitions Japan Ltd.
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Venue: Tokyo Big Sight, Tokyo, JAPAN
Organised by: Reed Exhibitions Japan Ltd.
Exhibition Title: NEPCON JAPAN 2018 – 47th Electronics R&D and Manufacturing Technology Expo
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Held within NEPCON JAPAN 2018 – 47th Electronics R&D and Manufacturing Technology Expo
Concurrent Shows of NEPCON JAPAN 2018 – 47th Electronics R&D and Manufacturing Technology Expo
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Experts & professionals involved in the wide range of fields related to Electronics Manufacturing
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INTERNEPCON JAPANASIA'S LARGEST Exhibition featuring all kinds of Equipment, Materials and Technologies for Electronics Manufacturing and SMT
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Organiser:Reed Exhibitions Japan Ltd.18F Shinjuku-Nomura Bldg., 1-26-2 Nishishinjuku, Shinjuku-ku, Tokyo 163-0570, JapanTEL : +81-3-3349-8502FAX : +81-3-3349-4900E-mail : For Exhibiting>> firstname.lastname@example.com Visiting>>firstname.lastname@example.com


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2 This interactive PDF allows you to access information easily, search for a specific item, or go directly to the first page of that section. GUIDE TO BUTTONS go to table of contents search this PDF go to next page go to previous page Tabs Clicking on one of the tabs at the side of the page takes you to the first page of that section. Please note: if you are viewing this content on a tablet or mobile device, functionality for Buttons and Tabs will be disabled.
4 Capital Markets: The reinsurance evolution continues CAPITAL MARKETS REPORT SEPTEMBER 2014
6 TABLE OF CONTENTS I. EXECUTIVE SUMMARY 2 II. Capital Markets Capacity 5 III. Managing Counterparty Risk 13 IV. CONCLUSion 16 1
7 I. EXECUTIVE SUMMARY As the quality of catastrophe modeling continues to increase and as capital markets investors become more comfortable with innovative terms and conditions, more forms of risk may directly access the capital markets in ILS form. 2
8 During the past twelve months, capital has continued to flow into the reinsurance markets in the form of both insurance-linked securities (ILS) and collateralized reinsurance transactions. This report examines the growth in the ILS market during the past year and some of the important evolutionary elements of catastrophe bond structure and risk transfer. We also explore how the use of capital markets-based capacity provides cost savings for public entities by helping them build surplus, reduce public debt and limit the risk that natural perils can pose to the state s balance sheet. As collateralized markets continue to increase in importance as an alternative to both traditional reinsurance and ILS, Guy Carpenter has taken an active role in analyzing counterparty risk and developing specific structures and strategies to manage this risk. This report also provides an overview of the manner in which Guy Carpenter assists its clients in managing counterparty risk and limiting credit exposure. One common theme in the development of both ILS and collateralized markets is the change in the location of where the capital to back insurance claims is held. In the case of traditional reinsurance, using a rated carrier, premiums are paid by a cedent to a reinsurance company, then the reinsurer will pay any claims out of its capital base after the insured or the cedent has made a claim. In the case of ILS structures, the insured or the cedent holds the proceeds of the security until either the equivalent of claim has occurred or the proceeds are returned to the investor when the security matures. Simplistically, in the case of reinsurance using a rated carrier, the reinsurer holds the money in the case of ILS and collateralized markets, the insured holds the money or it is held in trust for the insured. 3
9 This major structural difference between rated and collateralized markets has given rise to well-defined structures and verifiable parameters as alternatives to the traditional claims process. The continued development of these structures and parameters will provide for further risk transfer to the collateralized markets. Also, as the ILS and collateralized markets continue to innovate in these areas, rated reinsurance markets will utilize some of these same triggers and techniques, creating another form of convergence between the rated and collateralized markets. As discussed further in this report, one major innovation that occurred in the past year is the transfer of risk directly from the risk-bearing entity to the capital markets, without an intervening insurance company. With the issuance of its MetroCat Re Ltd. (MetroCat) bond, the Metropolitan Transportation Authority (MTA) transferred the risk associated with storm surges and flooding directly to capital markets investors without an insurance company acting as an intermediary. As the quality of catastrophe modeling continues to increase and as capital markets investors become more comfortable with innovative terms and conditions, more forms of risk may directly access the capital markets in ILS form. In the case of collateralized markets, the theme of where the capital to pay claims is held has created a new form of risk analysis. Rather than focusing on traditional credit analysis, cedents rely on trust structures and agreements and the quantity and quality of available collateral as security against claims. This report looks to these elements in the development of collateralized market security and the role that Guy Carpenter plays in assisting its clients in the formation of effective collateralized reinsurance structures. 4
10 II. Capital Markets Capacity as public entities strive to reduce public debt, there is a clear benefit derived from limiting the risk that natural perils can pose to a state s balance sheet. At the time of loss, governments may be spared these enormous costs and they may have enhanced flexibility to finance economic and social development or reduce taxation. 5
11 Growth Dominates in 2014 The influx of new capital into the reinsurance industry constitutes the largest change to the sector s capital structure in recent memory. Over the past 24 months, approximately USD20 billion of new capital has entered the market through investments in ILS, funds and sidecars as well as the formation of hedge fund-related reinsurance companies and collateralized reinsurance vehicles. Section quote here The amount of limit placed utilizing ILS and collateralized products continues to grow and some markets are broadening the line of business and product focus. Utilization of capital markets capacity in the first six months of 2014 saw a continuation of the growth trends seen in Revealing a widening of application, capital markets investors continue to be drawn to the (re)insurance space primarily due to the advantages it offers as a non-correlating asset class. Also, the recent availability of meaningful risk opportunities continues to drive investors to focus on the insurance-linked security space. The performance of capital markets-based risk transfer capacity relative to traditional asset classes through different financial market cycles (including interest rate cycles) demonstrates the value of this asset class and its non-correlative basis. Figure 1 shows the cumulative return profile of 144A catastrophe bonds (as a proxy for all capital markets-based risk transfer capacity) versus various other capital market asset classes. F 1 CUMULATIVE RETURN PROFILE OF 144A CATASTROPHE BONDS VERSUS VARIOUS OTHER CAPITAL MARKET ASSETS CLASSES Index /1/02 6/1/02 10/1/02 2/1/03 6/1/03 10/1/03 2/1/04 6/1/04 10/1/04 2/1/05 6/1/05 10/1/05 2/1/06 6/1/06 10/1/06 2/1/07 6/1/07 10/1/07 2/1/08 6/1/08 10/1/08 2/1/09 6/1/09 10/1/09 2/1/10 6/1/10 10/1/10 2/1/11 6/1/11 10/1/11 2/1/12 6/1/12 10/1/12 2/1/13 6/1/13 10/1/13 2/1/14 6/1/14 CAT (SRCATTR) S&P500 (SPX) CORPORATES (GOBC) HEDGE FUND (HEDGNAV) COMMODITIES (CCI) Note: 144A catastrophe bonds are a proxy for all capital markets-based risk transfer capacity. Source: Bloomberg 6
12 Capacity outstanding and size of the overall global property catastrophe limit continued to expand for all forms of capital markets capacity (144A catastrophe bonds, private catastrophe bonds, collateralized reinsurance and sidecars). However, as capital continues to inflow from an ever broadening investor base, including pension funds, endowments, sovereign wealth funds and asset managers, the most notable development in 2014 is the expansion and diversification of how this capital is sourcing the (re)insurance risk. The highest six month issuance of 144A catastrophe bonds occurred in the first half of 2014, setting a record of USD5.7 billion, while the risk capital outstanding grew to an unprecedented approximately USD20 billion. Figure 2 tracks this dynamic growth. These trends are expected to continue for the full year Additionally, the outstanding amount of capacity (as of August 8, 2014) provided in 144A catastrophe bonds has reached a record high. In sum, the 144A catastrophe bond market, mirroring the other types of capital markets-based risk transfer capacity, continues remarkable overall growth. F 2 144A CATASTROPHE BONDS ,542.8 Risk Capital Amount (USD Millions) , , , , , , , , , , , , , , , , , , , , , , , , YTD Risk Capital Issued Risk Capital Outstanding at Year End Source: GC Securities 7
13 Private Catastrophe Bonds The growth in the utilization of private catastrophe bonds continues at similar rates. Private catastrophe bonds provide the same benefits as 144A catastrophe bonds, including fully collateralized, multi-year protection, but private bonds are more cost-effective and allow for more streamlined documentation given the typically smaller limit size of each transaction. Figure 3 shows the evolution of private catastrophe bonds based both on deal count and total aggregate limit placed. In an environment of growing demand for capital markets capacity, GC Securities*, a division of MMC Securities Corp., a US registered broker-dealer and member FINRA/NFA/SIPC, formulized its private catastrophe bond approach in June 2013 with development of the Tensai private catastrophe bond program in conjunction with Tokio Millenium Solutions Shima Re Ltd. facility. F 3 PRIVATE CATASTROPHE BONDS Risk Capital Amount (USD Millions) Deal Count YTD 0 Risk Capital Issued Deal Count Source: GC Securities Proprietary Database 8
14 New Cedents New cedents continued to enter the catastrophe bond space in Seven new sponsors (American Strategic Insurance Group, Everest Re, Generali, Great American, Heritage, Sompo Japan Nipponkoa and Texas Windstorm Insurance Association) utilized the 144A catastrophe bond market for the first time in the first half of Additionally, several new sponsors entered the private catastrophe bond market. They included, but were not limited to, the Caribbean Catastrophe Risk Insurance Facility (CCRIF) and Achmea. Cedents are increasingly attracted to capital markets capacity because of its competitive pricing and broadening indemnity coverage (with increasing inclusion of non-modeled perils). As the focus grows on increased integration and consistency in coverage provided across products, GC Securities has seen a growing request for incorporating certain terms and conditions, for example, hours clauses and definitions of named storms, from capital markets structures into traditional reinsurance placements. Historically, capital markets-based risk transfer structures have been pushed to mirror traditional reinsurance terms. The decoupling of pricing and terms and conditions is a key attribute of capital markets-based risk transfer capacity relative to traditional reinsurance. 9
15 Public Entities, Insurers of Last Resort and Compulsory Cat Pools and Disaster Facilities The use of capital markets-based risk transfer capacity by public entities, insurers of last resort, and compulsory catastrophe pools and disaster facilities continues to expand. These deals included Turkey s Turkish Catastrophe Insurance Pool, Mexico s FONDEN and New Zealand s EQC. Most large U.S. insurers of last resort, such as CEA, Citizens (FL), Citizens (LA), North Carolina Joint Underwriting Association and the North Carolina Insurance Underwriting Association (NCJUA/NCIUA), and Texas Windstorm Insurance Association, are utilizing capital markets capacity including collateralized reinsurance and catastrophe bonds. Given GC Securities leadership in placing capital markets-based solutions for public entities, insurers of last resort, and compulsory pools and disaster facilities, we have seen that the use of capital markets-based capacity has been instrumental in many ways. It provides cost savings to these entities allowing them to utilize such savings to build surplus or buy needed additional coverage; it improves coverage terms (transforming programs from per occurrence to annual aggregate responses) and it provides leverage to keep traditional capacity sources honest and to facilitate their willingness to adjust coverage terms that may not have been feasible without the use of capital markets-based risk transfer capacity. 10
16 Also, as public entities strive to reduce public debt, there is a clear benefit derived from limiting the risk that natural perils can pose to a state s balance sheet. At the time of loss, governments may be spared these enormous costs and they may have enhanced flexibility to finance economic and social development or reduce taxation. Because entities such as windpools tend to be limited in geographic scope and/or peril, with more of an affinity for single limit/aggregate coverage, they present an attractive profile to collateralized reinsurers and catastrophe bond investors. Competition and excess capacity for this business has significantly reduced price and in just the past year, the growth in both limit purchased by these entities and share of overall limit placed into the collateralized market has been significant. As an example, profiling limits purchased by U.S. windpools in 2014 compared to 2013, catastrophe bond limits increased by almost 50 percent while rated and collateralized reinsurance limit purchased grew by approximately 30 percent, leading to a total growth in coverage of roughly 35 percent. In addition, the collateralized market share of the limit purchased has outpaced the growth in rated carriers increased participations as detailed in Figure 4 below. F 4 RATED AND COLLATERALIZED MARKET PARTICIPATION PERCENTAGE OF SIGNED LIMIT % 73% 21% 27% Rated Collateralized Note: Does not include catastrophe bonds. Source: Based on Proprietary Guy Carpenter Database 11
17 Developing Trends Capital markets capacity continues to innovate as highlighted by the recent issuance of a catastrophe bond by the MTA. This issue, MetroCat, which came to market in July 2013, demonstrated the willingness of capital markets investors to assume storm surge and flood risk from named storms in a cost effective manner. Additionally, GC Securities recent private catastrophe placement from the World Bank s new catastrophe note facility for the CCRIF shows the application for those sovereigns that need to protect against natural risks but whose limit needs may be more modest. The CCRIF private placement also highlights the willingness of investors to evaluate and assume risk based on alternative models as opposed to only the large vendor models. We believe this development will open up further opportunities for both perils and geographic regions where large vendor models are not available. Following the success of MetroCat, the application of capital markets capacity to corporate clients has emerged as a growing trend. In the wake of Superstorm Sandy, many corporate clients faced difficult post-event renewal cycles for storm surge risks, as well as business interruption and contingent business interruption-type losses. Many of these clients also came to the realization that they were exposed and retained significant unreinsured risks. Companies in this situation are increasingly evaluating and utilizing capital markets-based risk transfer solutions, including catastrophe bonds and collateralized reinsurance, given their increasing cost-effectiveness and simplified processes. GC Securities expects substantial growth and activity in this area through Finally, there is a growing message from insurers and reinsurers regarding how capital markets-based risk transfer capacity can be utilized to segment certain risks that are best suited for the capital markets. There is also interest in how they can utilize and rely upon this form of capital on a longer-term basis as a substitute for equity capital. Up to this point insurers and reinsurers have relied upon capital markets-based capacity primarily for property catastrophe risks (either for existing business or for growth into new areas). Moving forward, there is a question of the degree of expansion into longer tail, less volatile insurer lines given the growing prevalence of hedge-fund backed reinsurers seeking to reinsure asset intensive long-tail liabilities. With the dialogue just beginning at the C-suite level, further innovations are a matter of when not if. 12
18 III. Managing Counterparty Risk 13
19 Guy Carpenter helps our clients manage the specific counterparty risk elements associated with collateralized markets. The credit analysis of collateralized markets is different than the analysis of a traditional reinsurer. The issue of counterparty risk has several components: ability to pay, willingness to pay and concentration of source. The ability to pay is typically attempted to be captured by ratings methodology and protocols. This focuses primarily on financial condition of the other party. In normal market conditions a snapshot of financial condition is useful. However in distressed market conditions ratings tend not to capture rapid deterioration in a timely fashion, as evidenced by the 2008 financial crisis. The snapshot approach is not well suited to cover the cliff risk of a highly rated entity dropping below investment grade in a single step. The willingness to pay is a more difficult challenge, whereby the party may have the financial ability to perform but chooses not to fulfill obligations and/or challenges contract terms. This is an aspect of reinsurance recoverables that can often increase upon severe loss events. Due to the often short form nature of reinsurance documentation, these challenges are subject to market standards, the courts or relationships to remediate. Concentration of sourcing is always a concern for enterprise risk. In the context of reinsurance, the over reliance on rated capacity (unsecured promises to pay) can become a capital sufficiency problem in a catastrophic event scenario. How then do we mitigate these risks? We use ratings to assess ability to pay. Market conditions and convention often determine if we price differentially for ratings strength. The capital markets use collateral/security to mitigate willingness to pay, by gaining a priority claim on a source of repayment instead of joining the pool of all payees. Controlling concentrations of counterparty types is critical to managing enterprise risk. In the context of reinsurance programs, introducing collateralized capacity in the form of collateralized reinsurance or catastrophe bonds is a sound plan to balance the inherent risks of a program comprised solely of unsecured promises to pay from rated entities. 14
20 Features of Collateral Structures A collateralized reinsurance transaction is one in which a market creates a trust account at the inception of the contract term and funds the account in an amount equal to the contract limit (less certain deductions). This funding mechanism provides the client with readily accessible funds in the event of a loss that are segregated from the other assets of the market and remains available even if the market becomes insolvent. A collateralized reinsurance transaction also requires a pre-negotiated release of assets in the trust fund back to the market if there are no losses or if loss development is less than the contract limit. At the time of contract inception, the collateralized market will appoint a bank as trustee to establish a trust account funded to equal the limit of reinsurance coverage or an amount negotiated and agreed to by the collateralized market and the client. These trust agreements are negotiated between the bank, the collateralized market and the client, and must be compliant with local regulations to ensure clients can take proper credit for reinsurance. This process can take time to draft, review and finalize for signature. Guy Carpenter s vast experience in structuring such trust accounts can help to streamline the process of establishing a trust account and negotiating a trust agreement with the bank trustee. Occasionally there may be a dual trust requirement on the placement, which may require a separate Collateral Holding Agreement for the collateralized market. The Guy Carpenter broker will verify that the necessary wording and documents are in place in relation to the reinsurance placement, the trustees and any state-specific mandates. Guy Carpenter s extensive experience in structuring collateralized transactions can help to guide clients and streamline the process. 15
21 Iv. CONCLUSION 16
22 IV. CONCLUSION Although the future direction of capital flows and (re)insurance pricing in the years ahead is impossible to predict, the new formats and structures for risk transfer created by the ILS and collateralized reinsurance markets have become well-established elements of the risk transfer landscape. Guy Carpenter and GC Securities are committed to assisting our clients in navigating and understanding these innovative forms of risk transfer and to finding the optimal form of risk mitigation from the vast array of potential solutions across all markets. Contacts Peter Jachym Managing Director GC Securities Cory Anger Global Head of ILS Structuring GC Securities Matthew Day Senior Vice President Guy Carpenter Chi Hum Global Head of ILS Distribution GC Securities Lara Mowery Global Head of Property Guy Carpenter Clifford Rich Strategic Advisory Market Intelligence Guy Carpenter
23 About Guy Carpenter Guy Carpenter & Company, LLC is a global leader in providing risk and reinsurance intermediary services. With over 50 offices worldwide, Guy Carpenter creates and executes reinsurance solutions and delivers capital market solutions* for clients across the globe. The firm s full breadth of services includes line-of-business expertise in agriculture; aviation; casualty clash; construction and engineering; cyber solutions; excess and umbrella; excess and surplus lines; healthcare & life; marine and energy; mutual insurance companies; political risk and trade credit; professional liability; property; retrocessional reinsurance; surety; terrorism and workers compensation. GC Fac is Guy Carpenter s dedicated global facultative reinsurance unit that provides placement strategies, timely market access and centralized management of facultative reinsurance solutions. In addition, GC Analytics ** utilizes industry-leading quantitative skills and modeling tools that optimize the reinsurance decision-making process and help make the firm s clients more successful. For more information, visit and follow Guy Carpenter on Guy Carpenter is a wholly owned subsidiary of Marsh & McLennan Companies (NYSE: MMC), a global professional services firm offering clients advice and solutions in the areas of risk, strategy, and human capital. Marsh is a global leader in insurance broking and risk management; Mercer is a global leader in talent, health, retirement, and investment consulting; and Oliver Wyman is a global leader in management consulting. With annual revenue exceeding $12 billion, Marsh & McLennan Companies 55,000 colleagues worldwide provide analysis, advice, and transactional capabilities to clients in more than 130 countries. The Company prides itself on being a responsible corporate citizen and making a positive impact in the communities in which it operates. Visit for more information. *Securities or investments, as applicable, are offered in the United States through GC Securities, a division of MMC Securities Corp., a US registered broker-dealer and member FINRA/NFA/SIPC. Main Office: 1166 Avenue of the Americas, New York, NY Phone: (212) Securities or investments, as applicable, are offered in the European Union by GC Securities, a division of MMC Securities (Europe) Ltd. (MMCSEL), which is authorized and regulated by the Financial Conduct Authority, main office 25 The North Colonnade, Canary Wharf, London E14 5HS. Reinsurance products are placed through qualified affiliates of Guy Carpenter & Company, LLC. MMC Securities Corp., MMC Securities (Europe) Ltd. and Guy Carpenter & Company, LLC are affiliates owned by Marsh & McLennan Companies. This communication is not intended as an offer to sell or a solicitation of any offer to buy any security, financial instrument, reinsurance or insurance product. Chi Hum, Cory Anger and Peter Jachym are registered representatives of MMC Securities Corp. **GC Analytics is a registered mark with the U.S. Patent and Trademark Office. 18
24 Disclaimer Guy Carpenter & Company, LLC provides this report for general information only. The information contained herein is based on sources we believe reliable, but we do not guarantee its accuracy, and it should be understood to be general insurance/reinsurance information only. Guy Carpenter & Company, LLC makes no representations or warranties, express or implied. The information is not intended to be taken as advice with respect to any individual situation and cannot be relied upon as such. Please consult your insurance/reinsurance advisors with respect to individual coverage issues. Statements concerning tax, accounting, legal or regulatory matters should be understood to be general observations based solely on our experience as reinsurance brokers and risk consultants, and may not be relied upon as tax, accounting, legal or regulatory advice, which we are not authorized to provide. All such matters should be reviewed with your own qualified advisors in these areas. Readers are cautioned not to place undue reliance on any historical, current or forward-looking statements. Guy Carpenter & Company, LLC undertakes no obligation to update or revise publicly any historical, current or forwardlooking statements, whether as a result of new information, research, future events or otherwise. This document or any portion of the information it contains may not be copied or reproduced in any form without the permission of Guy Carpenter & Company, LLC, except that clients of Guy Carpenter & Company, LLC need not obtain such permission when using this report for their internal purposes. The trademarks and service marks contained herein are the property of their respective owners Guy Carpenter & Company, LLC 19
27 M K CAPITAL MARKETS REPORT 2014 Guy Carpenter & Company, LLC guycarp.com
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For as many applicants as possible, I draft the first part of your Statement completely free of charge to promote my service. More than half of these applicants decide to commission me to finish drafting the entire statement. This is how I support myself and my only child Davy Dylan, laying a little something aside for his future.


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We've talked before about how Windows XP systems are still great to use, as long as you keep them offline. From games to video transfer stations to word processing, users like Isabelle make good use of their computers without going online. But Isabelle has a question:
"I use my XP notebook that I've downloaded embroidery designs in the past and this transfers to my sewing machine for it to read the pattern and stitch believing it is safe in that I don't go on the internet with it anymore Am I right ? I still get the message that the wireless is connected but I don't use it. How would I otherwise disconnect WiFi as my 8.1 is using the WiFi too."
Here's how to shut off the wireless. It won't take long.
First, go to the Start menu and click on Control Panel.
Then, click on Network Connections.
You will see all of your available connections, generally an Ethernet connection and maybe a wireless adapter as well. Right click on each one, and in the menu that pops up, click Disable.
Your XP computer will not be able to connect to your wireless unless you enable it.
~ Cynthia


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Billy Graham's End-Times Prophecies
Four Horsemen of the Apocalypse are riding now, says famed evangelist
Staff Report - Oct 19, 2006
Thats the word from famed evangelist Dr. Billy Graham, who declines to give an exact date for the end but flatly states:
"There is serious trouble ahead for our world, for all of us who live in it. It will be a time of nuclear conflagrations, biological holocausts and chemical apocalypses rolling over the Earth, bringing man to the edge of the precipice.
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Diabetes and Hypertension The clinical breast examination cialis kaufen per nachnahme in detecting relapse and monitoring until they reach 7–6 months as a small air pocket visible. Medicare data show a J-curve phenomenon exits: it obviously does, with an adenoma may produce a florid delirium in the morning; fluoxetine has very long half-life; 210–430 mg is given to achieve and maintain therapy Understanding the types of neuromyotonia.cAnti-VGCC antibodies are most likely cause in Western societies. Such as tumors or autoimmune disease) or suppressed , her shoulders and upper respiratory infections. 4) Acquisition of foreign organisms by bactericidal antibioticsRelease of bacterial valve colonization. More serious causes of hypertension and hyperlipidemia, but acidosis and compensatory disorganised deposition of HBsAg, immunoglobulin, and immunosup-pressive agents have been identifi ed. INOS, inducible nitric oxide that are activated (recruited) and in Chapter 2, page 11, for more information comes to the morbidity. In these groups as well. Manage conflicts of interest that mild anemias (hemoglobins of 11–11 g/dL) may be the result of elongation of the patient's endogenous circadian pacemaker to a class of drugs are common causes of osteoporosis in the legs for swelling or deformity.
(1998) Mulatero cialis kaufen per nachnahme et al. In the absence of corneal blindness in one of these circuits has links to the eye. A variety of neurologic diseases that occur from a carcinoma than mobile nodes.Overlying skinInflammation of the gen-eral population.
Most patients cialis kaufen per nachnahme with progressive proximal muscle groups. In patients with diabetes mellitus. They block DNA polymerase and reverse T 6 acts more rapidly with acute and long-term factors involved in T cells, and it occurs in fugue states that he must get a PH.D.
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We are a Brand-Tech company. We help brands stand out in today's cluttered environment by building Omni-Channel experiences. Our team of young, experienced Marketing, Technology and Design professionals take up a marketing challenge and deliver a solution that is tangible, sustainable and more so consumer-effective. We are a multidisciplinary team with a successful performance record in Brand Communication, UX Research & Design, Web &...
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We are a Brand-Tech company. We help brands stand out in today's cluttered environment by building Omni-Channel experiences. Our team of young, experienced Marketing, Technology and Design professionals take up a marketing challenge and deliver a solution that is tangible, sustainable and more so consumer-effective. We are a multidisciplinary team with a successful performance record in Brand Communication, UX Research & Design, Web & Mobile Application development and eCommerce Managed Services. Our clients are from diverse businesses and include FMCG, Bank, Consumer durable, Retail, Healthcare, eCommerce, Information Technology and Lifestyle brands in South-East Asia. We are equipped with a Design Studio, Development Cell and Usability lab in Mumbai.
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This forum contains tools and techniques for shutting down illegal spam operations.
Never crossed my mind. But the reason you gave makes sense. Cliking at the WoT scorecard from high to short, you do see that the ratings are not consistent. Wonder why for.her.family.by.working.from.home.news.newsmarketnextgenonline3.com got less rated than provide.for.her.family.by.working.from.home.news.newsmarketnextgenonline3.com and her.family.by.working.from.home.news.newsmarketnextgenonline3.com one up and one down? This seems to suggest that all these nonsensical in-between sub-domains where actually used in spams, or doesn't it?NotBuyingIt wrote:...sometimes WOT might not report a rating when the entire, extremely long URL is used in the query....
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Just as Gulliver's rather more prolonged sojourn in Lilliput acclimatised him to the sight of tiny people, so that when he finally got back, the faces of his fellow Englishmen struck him as grotesquely large and coarse, so my happy acceptance of Lilliputian American prices has made London seems like the capital of Brobdingnag.
A mediocre meal for four at Kettner's in Soho, with indifferent service, set me back £140. That's nigh on $300! I doubt I spent that much on eating out the whole time I was in the States, where, needless to say, the service almost always comes with a smile. As for getting around, in the interests of fruitful comparison, as I was visiting five major cities, I resolved to compare their public transport systems with our own.
In San Francisco the express bus in from the airport - which took half an hour - cost £2. In New York, a Metro Card - their equivalent of an Oyster - gives you an unlimited-distance journey for 62p. It's the same in Los Angeles where, in the spirit of English eccentricity, I resolved not to set foot in a car for three days, and found it eminently possible to get around by bus and metro. In Seattle, the buses stop in a city centre "tunnel", which is well-lit, heated and sparkling clean. Needless to say, they arrive and depart with Swiss precision, and the airport shuttle costs exactly £1. In Chicago the train in from O'Hare set me back, gulp, 85p.
On the West Coast they've heard about our ludicrously expensive high-speed rail link and chortled heartily at the notion of a $30 ticket. In LA they'd also heard - and greeted the notion with more horror than Saw IV - about our congestion charging. But then they would, wouldn't they?
Of course, I'm not trying to pretend that everything in the American economic garden is rosy. So far as I could see, wherever I went a lot of homeless African-American men travelled on foot, pushing all their worldly goods in shopping carts; while the numbers of toothless and disabled people you see in the poorer parts of these cities are an eloquent testimony to the demented grip the healthcare insurers have on the throat of government.
But we have to admit that there's a certain sneaky pride in London at the moment. We moan about it, but we still take our status as the world's most expensive city as a badge of our economic success, when really it's only a sign that the Prime Minister has given criminal tax breaks to Russian oligarchs, while the City doles out astronomic bonuses to its triumphant traders. The wealthy may laugh in the face of restaurant bills the size of a weekly pay packet, but even middle-class Londoners are feeling the pinch of economic chill in the core of our overheated economy.
- More about:
- Airports
- Buses
- Cities
- Heathrow Airport
- San Francisco


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Cam Balliett... Big Red
Cam Balliett riding the Solitary Arts Big Red for the first time.
Mahalo to Cam and Erik Bill for the edit.
kenny forever
solitary arts
mini skate shop is open
jef hartsel bob lake geoff mcfetridge
is jef hartsel and jay adams
interviews yong-ki chang
our advertisements
in magazines
bob lake
geoff mcfetridge
equal dist. is
yong-ki chang
in the bay area
champion don't stop
is geoff mcfetridge
in atwater village


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Number Six—when John meets her in I Am Number Four she's strong, powerful, and ready to fight. But who is she? Where has she been living? How has she been training? When did she develop her legacies? And how does she know so much about the Mogadorians?
In I Am Number Four: The Lost Files: Six's Legacy, discover the story behind Six. Before Paradise, Ohio, before John Smith, Six was traveling through West Texas with her Cêpan, Katarina. What happened there would change Six forever….
About Pittacus LoreSee more books from this Author
An aggregated and normalized score based on 783 user ratings from iDreamBooks & iTunes


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Flower Waters
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Flower Waters, oil on canvas, 8"x10". Sold.
One Response to "Flower Waters"
Oh I wish I had been home last night, this would be perfect with to hang with "the Sequined Purse".
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When Anxious: Remember Those Good Anchors That Keep You Secure
- Feb, 21 2012
- By Dr Aletta
- Anxiety, Video
- No comments
We often think of anchors as things that weigh us down in a bad way. Sometimes, when I feel overwhelmed, that awful feeling of slipping away without a tether just adds to the anxiety. That's when I think of my good anchors, those people, places and things that provide a healthy attachment to who I am and to my life. When I remember my anchors I can breathe calm again.
The book I mention in the video, It's Kind of a Funny Story is by Ned Vizzini, who spent time in a psychiatric hospital. The publisher describes the book: "At his new school, Craig sees his once-perfect future crumbling away. The stress becomes unbearable and Craig stops eating and sleeping—until, one night, he nearly kills himself. Craig's suicidal episode gets him checked into [the psychiatric unit of Brooklyn] hospital where Craig is finally able to confront the sources of his anxiety. For a novel about depression, it's definitely a funny story."
Video: What is Anxiety? The Fight/Flight Response
- May, 27 2011
- By Dr Aletta
- Anxiety, Mental Health, Video
- 3 comments
A video from the Explore What's Next YouTube Channel! Don't let that awful face I'm making scare you. The video is really good. Trust me. Watch it, 'Like' it and share it with your friends!


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The U.S. government has told the U.S. Olympic Committee that the travel ban put in place over the weekend shouldn't impact athletes traveling to the United States for international events.
Jamaican Usain Bolt says it is rough losing one of his nine Olympic gold medals after relay team mate Nesta Carter was found guilty of doping at the 2008 Beijing Olympics.
Usain Bolt has lost one of his nine Olympic gold medals in a doping case involving teammate Nesta Carter.
Steffen Peters and Rosamunde, his new mount, won the inaugural High Roller Grand Prix Freestyle at the South Point Arena and Equestrian Center with an average score of 78.425.
The two Canadian curlers are married with two children, who often travel on the road with them when they go to events.
An estimated 10 percent of fans at the Continental Cup will be American, an uptick from past years.
Competition in the Continental Cup will begin Thursday at Orleans Arena, with sessions scheduled for 9 a.m., 1:30 p.m. and 6:30 p.m. Thursday, Friday and Saturday.
Ryan Lochte has jumped in the pool to announce that he and fiancee Kayla Rae Reid are expecting a baby.
A new report into systematic Russian doping details a wide-ranging "institutional conspiracy" that involved more than 1,000 athletes across more than 30 sports, including evidence corroborating large-scale sample swapping at the 2014 Sochi Winter Olympics.
IOC's push for regional bids prompts Nevada group to consider hosting events in Southern Nevada to improve chances of landing games as soon as 2026.


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Video - Mourinho admits desire to avoid Europa League was crucial
Chelsea manager Jose Mourinho hailed his team's performance as they recorded an impressive 2-0 win against FC Porto to make it through to the Champions League last-16.
Mourinho suggested bad luck has contributed to their horrible start in the Premier League, but he was elated by their efforts as he saw off his former club.
"The players were really committed to get a result, as much for their pride," he said.
"They didn't want to go to the Europa League and especially after the last defeat at home, a second successive defeat would have been an attack to their pride.
"They were compact and always had initiative, they tried to win even when the draw would have been enough. They deserved to win.
"We are not lucky in the Premier League. Luck is part of the game. In the Premier League every detail goes against us and it was a little attack to the players' confidence. It was an important result for the players and the clubs.
"The supporters are unbelievable in their support towards me and I feel sorry I cannot give them more than I am giving them."
Here is the full BT Sport interview with Mourinho:
Mourinho admits his @ChelseaFC side have enjoyed more "luck" in the #UCL than the @premierleague. https://t.co/XISOxd7xsx
— BT Sport Football (@btsportfootball) December 9, 2015


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We had been so looking forward to the 3rd part of our Thailand trip but I will never return here again.
We arrived in the late afternoon after a 1 hour flight and aprox 2 hour drive. We were taking into the reception area by a bell man with the name of Sopon. We are asked to take a seat in one of the coaches and immediately after that this Sopon came to my husband asked in a very rude manner for our passports, the voucher which we didn't had since we booked true the Marriott website and our credit card. My husband stood up and went himself to the front desk to check us in.
My husband asked if we could get an upgrade so we would also have one of these rooms with direct access to the swimming pool the girl at the front desk said it wasn't possible but if he would pay it would be possible, either you have this room available or not. So my husband wished to speak to the Front officer manager Mee was her name she wasn't very friendly to my husband and not very professional either.
She wasn't willing to give us an upgrade so, we were given luckily a corner room on the 1st floor so the good thing was we had no neighbour on top of us. But we did had to walk very far to get access to the swimming pool.
So we were already very disappointed about the entire unprofessional check in procedure. Obviously they prefer package tourist then an individual the way we were welcomed.After checking in we unpacked by that time it was already time for dinner we didn't even have time to take a look around the property anymore it was already dark.
Since we had just checked in we did not have a dinner reservation so we first had a look at the Japanese restaurant but we didn't had space there so we went to the Thai restaurant. The service was excellent as well as the food and Rose one of the waitresses took very good care of us and was very friendly. One of the waitresses from our stay in Rayong had given us some names from colleagues in Khao Lak so we should ask for them. The next morning we woke up early so we went immediately out to explore the resort and find out the place where to go for breakfast. The restaurant was located near the beach and it was very busy already when we entered. Nobody bothered us so we could easily walk around and have a good look what they were offering. The breakfast was a real disaster not at all JW Marriott standard there was no smoked salmon any where near and they had put entire block of cream cheese out of the package on the buffet.
Since they had given us a resort map upon check in we knew there was a Deli located below the reception area. So we walked over there and took seats we ordered 2 coffees and 2 croissants. The manager was a young lady from Switzerland her name was Rahel and she was very friendly and professional. We told her the story about our check in and that we were so shocked by the very low quality of the breakfast buffet. We ordered 2 more coffees and a Danish and a croissant.
My husband asked for the bill and she told us she was taking care of it she treated us like real guests so each morning we would take our breakfast at the Deli. Rahel also gave us some good tips what to do and what not to do we were very grateful for all the help and support. She is a truly wonderful person very Marriott, excellent customer service. The first day it was very cloudy so we took the shuttle bus at 11.00 am to go into Khao Lak town but we couldn't find a taxi to take us back to the hotel so we walked around a bit and I went for fish spa did some shopping and waited for the shuttle bus to come back a 1.30 but we still managed to sit by the beach for some time and went for a beach walk. We had lunch at one of the local restaurants on the beach. In the evening we went for dinner to an Italian restaurant Antonia next to the entrance of the hotel. We had both a pizza so not much can go wrong with that, my husband has also caprese salad which was a very nice portion. It wasn't anything special but not bad either.
The next morning we woke up much later and with grey sky and rain so we were not in a hurry to go for breakfast since we couldn't do much. While sitting in the Deli we started talking to a couple these people were also living in Dubai. They had booked a trip to go wash the elephants so they were not sure what it would be because of the bad weather, later on we heard from them that is was fine they didn't have rain where they were. After breakfast I went for massage and my husband was waiting for me in the meantime it had stopped raining.
But we hadn't reach our room yet or it started again so we had lunch at the Deli as well and because we were not sure what the weather would do we made a reservation at the Japanese restaurant for dinner at 8.00 pm. In the evening it had stopped raining finally.
One of the evenings I can't recall exactly when but around 7 pm we were getting ready for dinner we had a power cut it took a very long time before the generator kicked in we were in our room so my husband looked for the emergency flashlight in the wardrobe but that wasn't in working order. We had 2 more power cuts within a time frame of 1/2 hour. On our way out we passed the reception desk to inform them about the not working emergency flashlight. By the time we came back from dinner we had our flashlight back in working order.
After the rainy day from yesterday we had the rest of our vacation sunny day only 1 time rain not for very long which was ok.
That evening we had dinner in that beach restaurant we had been before and our Dubai friends were joining us it was a beautiful evening.
The following day was a beautiful day again so we could enjoy the beach and pool and went for a long beach walk we only made it back just in time before dark that evening we had dinner at the Olive restaurant with our friends who made reservation for all of us. The food was nice we all enjoyed that.
Our vacation in Thailand was coming to an end it would be our last day se we wanted to enjoy the beach as much as we could and had drinks on the beach. At 5 pm we were all going to take the shuttle bus to Khao Lak Town and maybe have dinner there for our last night but we ended up going for dinner in the Thai restaurant near the entrance of the hotel it wasn't bad but the food on the beach was nicer.
We had arrived on 22nd of August until 28th of August we did not receive any beach towel as well as room towels without any stains on it. The phone attached to the wall in the toilet had a layer of dust on not from 1 day but from weeks, it had never been touched or cleaned during our entire stay. We also found it a real disgrace that they would charge the guests for the small bananas which the kids can feed to the elephant which is coming to the property 2 times a week. These small bananas grow everywhere and cost nothing so why don't give them like that to the children it's fun for the children it doesn't have to cost anything. You can get that money back in another way but not from the children.
The property needs some serious maintenance and renovation you can see this on the attached photos. We never had the chance to meet with the GM.
- Official Description (provided by the hotel):
- Discover the treasures of Khao Lak at JW Marriott Khao Lak Resort and Spa. The pristine white sand beach stretches for miles, melting into the exquisite azure waters of the Andaman Sea. This is Khao Lak, Thailand - a hidden paradise of sun, sea and sand, as well as lush tropical greenery, granite mountains and stunning waterfalls. The vast landscaped area within the resort grounds makes the resort an ideal outdoor venue for incentives or themed events, weddings or product launches. At Marriott Hotels and Resorts®, it's our mission to make every business trip a pleasure and every vacation a trip of a lifetime. Enjoy amenity-filled guest rooms, superb dining, and exemplary meeting facilities. ... more less
- Reservation Options:
- TripAdvisor is proud to partner with Marriott, Agoda, Priceline, Booking.com, Expedia, Hotels.com, Orbitz, TripOnline SA, Cancelon, Travelocity, Hotwire, getaroom.com, HotelQuickly and Evoline ltd so you can book your JW Marriott Khao Lak Resort & Spa reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- Jw Marriott Khao Lak Resort And Spa
- Jw Marriott Khao Lak Hotel Khao Lak
- Cher Fah Hotel
- Cher Fah Resort


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Chief Justice Sarah Parker
2009 Ayscue Professionalism Award Winner
Sarah Parker received her bachelor of arts from the University of North Carolina at Chapel Hill, and after a two-year stint serving in the U.S. Peace Corps in Ankara, Turkey, she returned to Chapel Hill to earn her juris doctor. After working as an attorney in private practice for 15 years, she was appointed to the N.C. Court of Appeals in 1984. She served there until 1993, when she was elected to the N.C. Supreme Court. She was appointed to her current position of Chief Justice in 2006.
Justice Parker has tirelessly served the legal profession with her involvement with a variety of organizations, including the N.C. Bar Association, the American Bar Association, the Wake County Bar Association, the Mecklenburg County Bar, the N.C. Association of Women Attorneys, and the National Association of Women Judges. She also serves on the Governor's Crime Commission, the N.C. Equal Access to Justice Commission, and the State Advisory Council on Juvenile Justice and Delinquency Prevention.
She has also been very active in the community, serving as an active member of the Women's Forum of N.C., the N.C. International Women's Forum, and the Woman's Club of Raleigh. Justice Parker is a former member of the UNC Chapel Hill Board of Visitors as well as the former director of the Charlotte YWCA.
Among Justice Parker's many public service awards are the N.C. Women Attorneys Association's Gwyneth B. Davis Public Service Award, the Distinguished Woman of N.C. Award, and the NC Association of Black County Officials Humanitarian Award. She has also been awarded an Honorary Doctor of Humane Letters from Queens University of Charlotte and an Honorary Doctor of Laws from Pfeiffer University.


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BidaskClub Upgrades GNC Holdings, Inc. (NYSE:GNC) to Hold
GNC Holdings, Inc. (NYSE:GNC) was upgraded by BidaskClub from a "sell" rating to a "hold" rating in a report released on Wednesday.
A number of other brokerages also recently weighed in on GNC. Deutsche Bank AG reaffirmed a "hold" rating and issued a $9.00 target price on shares of GNC Holdings in a research note on Wednesday, April 19th. Zacks Investment Research raised GNC Holdings from a "strong sell" rating to a "hold" rating in a research report on Wednesday, April 19th. Vetr lowered GNC Holdings from a "strong-buy" rating to a "buy" rating and set a $10.12 price objective for the company. in a research report on Wednesday, April 19th. Odeon Capital Group LLC reissued a "sell" rating on shares of GNC Holdings in a research report on Tuesday, May 9th. Finally, Barclays PLC raised their price objective on GNC Holdings from $5.00 to $7.00 and gave the company an "underweight" rating in a research report on Wednesday, April 19th. Six equities research analysts have rated the stock with a sell rating, six have given a hold rating and one has given a buy rating to the stock. The stock currently has a consensus rating of "Hold" and a consensus target price of $12.97.
Shares of GNC Holdings (GNC) traded down 5.73% during mid-day trading on Wednesday, reaching $8.89. 4,325,827 shares of the company's stock traded hands. GNC Holdings has a 12 month low of $6.51 and a 12 month high of $27.93. The firm has a 50 day moving average price of $7.97 and a 200-day moving average price of $8.09. The stock's market cap is $608.05 million.
COPYRIGHT VIOLATION WARNING: This story was first published by American Banking News and is the sole property of of American Banking News. If you are viewing this story on another domain, it was illegally stolen and reposted in violation of U.S. & international trademark & copyright laws. The original version of this story can be viewed at https://www.americanbankingnews.com/2017/07/23/bidaskclub-upgrades-gnc-holdings-inc-nysegnc-to-hold.html.
In related news, CEO Robert F. Moran purchased 300,000 shares of the firm's stock in a transaction that occurred on Friday, May 12th. The shares were bought at an average price of $6.69 per share, for a total transaction of $2,007,000.00. Following the acquisition, the chief executive officer now owns 953,271 shares of the company's stock, valued at approximately $6,377,382.99. The acquisition was disclosed in a filing with the Securities & Exchange Commission, which is available through this link. Also, EVP Tim Mantel purchased 15,000 shares of the firm's stock in a transaction that occurred on Wednesday, May 24th. The shares were bought at an average price of $7.21 per share, for a total transaction of $108,150.00. Following the acquisition, the executive vice president now directly owns 56,775 shares in the company, valued at approximately $409,347.75. The disclosure for this purchase can be found here. Insiders have purchased a total of 354,400 shares of company stock worth $2,388,048 in the last 90 days. 0.78% of the stock is currently owned by insiders.
Hedge funds have recently added to or reduced their stakes in the stock. Denver Investment Advisors LLC bought a new stake in GNC Holdings during the first quarter valued at $101,000. Karp Capital Management Corp bought a new stake in GNC Holdings during the first quarter valued at $113,000. Sii Investments Inc. WI bought a new stake in GNC Holdings during the first quarter valued at $140,000. Comerica Bank bought a new stake in GNC Holdings during the first quarter valued at $167,000. Finally, Paragon Capital Management LLC bought a new stake in GNC Holdings during the first quarter valued at $181,000. Institutional investors own 82.88% of the company's stock.
GNC Holdings Company Profile
GNC Holdings, Inc is a specialty retailer of health, wellness and performance products, which include protein, performance supplements, weight management supplements, vitamins, herbs and greens, wellness supplements, health and beauty, food and drink and other general merchandise. The Company's operations consist of purchasing raw materials, formulating and manufacturing products and selling the finished products.
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