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How To Look Like A "Twilight" Star
OK, so I know I'm really late to the party (actually, I once insisted I wouldn't even show up), but yesterday I found myself at the movie theater, gobbling popcorn, absolutely transfixed by a movie made for teenagers. Taylor Lautner's insane abs and hokey Harlequin-esque romance moments aside, I couldn't help but notice how great of a job "New Moon" makeup designer Norma Hill-Patton did, making Bella look fresh as a daisy and natural-looking and, alternatively, the vampires appear as gorgeous and other-worldly as possible. Apparently, creating the illusion of perfect skin is the vital starting point. "Vampires don't perspire, don't grow facial hair, don't get lines and certainly don't get blemishes, so all the actors required a lot of makeup on their faces for long periods of time," Hill-Patton explained, via a press release for Dermalogica, the brand of skincare used on set. In the old days, pancake makeup would've done the trick. But this is the era of hi-def, people. Here's how to steal some on-set looks for real life.Skin: As opposed to coating actors' skin with layers of paint, close-up shots (Stewart's freckles are visible throughout each steady focus on her near constantly trembling lips) really do require that these kids have perfect-looking skin. I happened to have met with the people at Dermalogica the other day, and I was reminded of how when I used to use their products consistently, I had pretty damn near Twi-perfect skin, too. (Somehow, my regimen got lost along the way. I'm thinking of starting fresh soon.) They advocate using their Precleanse facial wash to get rid of makeup, followed by a more intensive scrub of the pores, like the Daily Microfoliant, which is consistent with advice to wash your face twice that I've heard from a number of makeup artists over the years. Intensive Eye Repair and Active Moist were apparently used on cast members to hydrate and plump skin, which helps diminish the look of fine lines, and of course, sunscreen to keep tans from occurring. (I'm a huge fan of their Ultra Sensitive Faceblock SPF 25 because it contains a slight tint to even skin tone but won't irritate easily irked skin.)
Makeup: There are a number of beauty companies that have capitalized on the whole "Twilight" marketing moment: There's even an entire Twilight beauty line, which makes use of the color palettes used in the movie, but I'm not convinced you'd have to buy them to recreate the look since it's pretty basic. Bella's makeup looks so pretty because it's ultra simple and consistent: In almost every scene she wears a flattering wash of mauve eye shadow–it seems to range from powder to a glossier cream shade (the latter always looks a tad more natural because it truly sinks into skin). Try Maybelline's excellent Dream Mousse Shadow in Tranquil Rose with neutral blush and a hint of berry-pink lip stain (obsessed with Mark's Glossblossom Ripening Lip Tint).
And her lashes are always but always curled, which is a pretty standard makeup artist trick to make them look as long and lush as fakes without looking, well, fake. Like I said, pretty standard stuff, but refreshingly pretty.
Of course, as gorgeous as the vampires look — and no one is more jaw-droppingly beautiful than Edward Cullen — white-ish makeup paired with fake contacts and blood-red lips is probably a look best left to the movies. But of all the cheesy "Twilight" spinoff products, the new Lip Venom V is the one that may actually be worth purchasing. First off, plain old LV is awesome if you like a lip plumper that tastes like sweet (but not cloyingly so) and spicy cinnamon. The new one also has a crimson hue which deepens the more you apply it. And whether you're a fan of teen vamp romances or not (or just edging over, like myself), that aesthetic is definitely very right now.


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HERE Maps confirmed to support Tizen
0. phoneArena posted on 12 Nov 2013, 04:29
HERE Maps, which was once known as Ovi Maps and Nokia Maps, added another mobile OS to the long list of platforms it supports. This was confirmed via a recent tweet from the Nokia HERE business unit...
This is a discussion for a news. To read the whole news, click here
1. D.Aceveda (Posts: 396; Member since: 30 Jun 2012)
Tizen. The OS nobody wants, and the OS nobody asked for
2. TerryCrowley (Posts: 194; Member since: 31 Jul 2011)
What's Tizen?
11. AliNSiddiqui (Posts: 382; Member since: 19 Sep 2012)
It's the OS nobody wants, and the OS nobody asked for.
19. Tamer81 (Posts: 37; Member since: 15 Mar 2013)
Hahaha you just cracked me up! But seriously, what is it?
8. _Bone_ (Posts: 2155; Member since: 29 Oct 2012)
You sound like an Apple user a couple of years ago.
10. D.Aceveda (Posts: 396; Member since: 30 Jun 2012)
You sound like an Apple user, right now
16. Dastrix (unregistered)
+1 LOL! What happened to Bada?
3. itsdeepak4u2000 (Posts: 3718; Member since: 03 Nov 2012)
But HERE Maps is superb.
4. Antonyjoseph (Posts: 217; Member since: 06 Apr 2013)
So Nokia and Samsung tying up.
6. emadshiny (Posts: 1144; Member since: 05 Dec 2012)
Samsung and Google are separating!
9. dickwyn (Posts: 621; Member since: 07 May 2012)
samsung wants to be like apple, sooner or later they will announce their new SamMaps
14. iyngr (Posts: 72; Member since: 14 Jul 2013)
Wrong Guess: S - Maps
15. akki20892 (Posts: 3902; Member since: 04 Feb 2013)
Samsung love copy and paste.
5. pokharkarsaga (Posts: 418; Member since: 23 Feb 2012)
Tizen will help Android to push forward.we want competition & innovation instead of monopoly.its Samsung who made android big by selling two thirds of all Android phones
17. AliNSiddiqui (Posts: 382; Member since: 19 Sep 2012)
No, it's Verizon and Motorola who made Android big with the Droid.
7. _Bone_ (Posts: 2155; Member since: 29 Oct 2012)
So patents agreement wasn't the only agreement between Sammy and Nucky.
12. papss (unregistered)
Here is my favorite mapping app. Glad it's getting use on multiple platforms.
13. chandancherry (Posts: 32; Member since: 25 Jun 2013)
Its a shame that instead of making HERE maps for Symbian(their own) phones they are heading for OS such as Tizen which has not even born yet. Millions of people still use symbian phones.
20. cc3493 (Posts: 158; Member since: 06 Jul 2013)
Millions? I dont think so....
21. steelicon (Posts: 318; Member since: 02 Apr 2011)
18. mobi_user (Posts: 152; Member since: 18 Jun 2013)
that is so kind of Nokia to go and support Tizen also.
It is be equally nice if they remember WP7.5 users and provide them with Here Maps support too.
22. microsoftnokiawin (Posts: 1236; Member since: 30 Mar 2012)
here maps is the same thing as nokia maps just re branded 1

subset: commoncrawl


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Arts Calendar
Published: Sep 07, 2013
"Feel The Rhythm", new works by Nadine Seymour-Munroe, opens Thursday, September 26 at 6 p.m. at Hillside House. RSVP at 327-0287 or 445-5307 or email email@example.com.
"Emblematic", a 40th independence show by Doongalik Studios Art Gallery, continues at the gallery on Village Road. For more information, visit www.doongalik.com.
"40 Years of Bahamian Art" continues at the National Art Gallery of The Bahamas (NAGB). For more information, visit www.nagb.org.bs, email email@example.com or call 328-5800/1.
"The Bahamian Collection", photographs by Duke Wells, continues at the National Art Gallery of The Bahamas (NAGB). The opening is free and open to the public. For more information, visit www.nagb.org.bs, email email@example.com or call 328-5800/1.
"Master Artists of The Bahamas" continues at The National Art Gallery of The Bahamas. Featured artists are John Beadle, Jackson Burnside, Stan Burnside, John Cox, Amos Ferguson, Kendal Hanna, Brent Malone, Eddie Minnis, Antonius Roberts, Dave Smith and Max Taylor. For more information visit www.nagb.org.bs, email firstname.lastname@example.com or call 328-5800/1.
Casting call
Fash|Art is having a casting call for emerging fashion designers and visual artists Saturday, September 7 at Doongalik Studios from 11 a.m. to 2 p.m. For more information, visit www.facebook.com/fash.art.event or email email@example.com.
Shakespeare in Paradise Theatre Festival is looking for new plays to be read at the festival's customary Play Reading Series. All submissions are to be sent to firstname.lastname@example.com, Dr. Nicolette Bethel, festival director, (242) 677-8900. The submission deadline is Saturday, August 31. For additional information on Shakespeare in Paradise, visit ringplay.org/wordpress/ or www.facebook.com/ShakespeareInParadise.
Writing Workshop
Gaulin Project Online Writing Workshops will be offered by Helen Klonaris for Fall 2013. 'Writing down the Body: A Creative Writing Workshop' runs September 6 - October 5; 'Writing Down a Life: Beginning a Memoir' runs October 11 – November 29; 'Remembering Ourselves: Healing Our Colonial Legacy – A day-long retreat' will run October 12 10 a.m. – 5 p.m. To register, email email@example.com.
Islandz, having acquired Downtown Art Tours, offers its Islandz Gallery Hop tours, examining art spaces downtown on Saturdays. Tickets are $20 per person for the two-hour tour. For more information or to book tickets, call 601-7592 or visit Islandz online at www.islandzmarket.com.
Tru Bahamian food tours offers a "Bites of Nassau" food tasting and cultural walking tour to connect people with authentic local food items, stories and traditions behind the food and the Bahamians that prepare and preserve them, through a hands-on, interactive, educational tour and culinary adventure. Tickets are $69 per person, $49 for children under 12. Tours are everyday from 11:30 a.m. to 2:30 p.m., starting at the British Colonial Hilton and ending at Tortuga Rum Cake Company. For more information visit www.trubahamianfoodtours.com.
Call for works
All artists interested in participating in the third biennial All Ceramics Exhibition, under the theme "My Beautiful Teacup and Bowl", can contact Jessica Colebrooke at 324-3533 or at email: email@example.com.
The 30th Annual Central Bank of The Bahamas Art Competition and Exhibition invites entries for its Open Category under the theme "The Independents", in commemoration of the 40th anniversary of Bahamian independence, which is being celebrated this year. The objectives of the competition are to identify, recognize and encourage Bahamian visual artists. To qualify, participants must be citizens of The Bahamas, 18 or older (as of October 1, 2013) and not registered in secondary school. The Open/Senior Category Competition and Exhibition component will be held from Tuesday, October 1 to Friday, November 1. Artists under 30 are especially encouraged to embrace this opportunity of the theme of "The Independents" as a challenge in terms of material and/or the role and responsibilities of independent thinking in art in The Bahamas, as well as, thinking of the larger political symbolism of independence of the country.


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Washington: The International Monetary Fund (IMF) said on Wednesday it would release €3.2 billion in aid to Greece that had been frozen for months amid fears about the country's ability to surmount its debt crisis.
The IMF executive board approved release of the funds after completing two reviews of Greece's economic performance under an IMF loan programme that is part of an international rescue also supported by the European Union, the institution said.
In completing the first and second reviews, the board also waived some performance criteria and modified others, the Washington-based institution said in a statement.
The payment is part of a four-year €28 billion IMF loan granted to Greece on 15 March last year to support the Greek authorities' economic adjustment program.
The loan is an Extended Fund Facility (EFF) that gives a country exceptional access to IMF resources above what it normally would be able to borrow.
The EFF arrangement is part of a joint package of financing with euro area member states amounting to €172 billion over four years.
Under EFF, IMF released an initial €1.6 billion but froze subsequent payments in view of Athens's failure to meet the loan programme's criteria and concerns that the debt burden was unsustainable.
After intense negotiations with European authorities, IMF in late November abandoned its 2020 goal for reducing Greece's debt burden to 120% of gross domestic product, and accepted a compromise of a 124% debt-to-GDP ratio.
Greece's debt currently stands at about 170% of economic output.


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Leonardo DiCaprio Interview at 2014 Oscars Lunch (Video)
Leo DiCaprio: The Wolf of Wall Street Is a "Cautionary Tale"
Leonardo DiCaprio has worked on a slew of monumental films with veteran director Martin Scorsese, from The Departed to Shutter Island; The Wolf of Wall Street is the latest addition to the list. At yesterday's luncheon for Academy Award nominees, Leonardo talked about the disgusting behavior in the film and explained how it's meant to portray the darker nature of our culture. He also gave a little more insight into his relationship with Martin and why they make a good creative pair. Watch the interview above!


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Pick the model that best suits your needs.
No Worries. Real Fun.
Moomba boats are built for performance with value and reliability to produce "No Worries" fun on the water. The success of this dedication is measured by the enjoyment of real Moomba boat owners. 10 consecutive Excellence in Customer Satisfaction Awards are the result of this charge, but the real reward is a fun carefree Moomba Boats family that is thousands strong. Moomba Boats is real "No Worries" fun.


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As suggested in yesterday's post, Bedrock did close from an identity crisis.
I spoke with manager Sam Chaney today, who said he butted heads with Bedrock's owners over the club's mission.
It started as a billiards hall. Then when that didn't catch, they opened it up to live music. But it's hard to be a live music club and keep a regular bar business at the same time.
When Chaney first took over running Bedrock, he tried to bring in students from the nearby medical and law schools, as well as local business employees.
But you can't build up a post-work base if you're occasionally throwing concerts and charging a $10 cover ...
Bedrock was a little of both, which didn't work, Chaney said.
"If you're going to be a venue, commit to being a venue," Chaney said. "If you're going to be a bar, be a bar."
Chaney didn't think Bedrock would be open six months from now. But he didn't think the owners would pull the plug a week before Christmas.
"I've known in the back of my mind it was coming," he said. "I just didn't think it was coming yet."
Chaney's not sure what his next step will be, either.
"We'll see," he said. "The reality of being jobless with a mortgage is starting to set in."
(Photo by Elizabeth Malby/Sun photographer)


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What is JotForm?
JotForm is a free online form builder which helps you create online forms without writing a single line of code. No sign-up required.
At JotForm, we want to make sure that you're getting the online form builder help that you need. Our friendly customer support team is available 24/7.
We believe that if one user has a question, there could be more users who may have the same question. This is why many of our support forum threads are public and available to be searched and viewed. If you'd like help immediately, feel free to search for a similar question, or submit your question or concern.
Cant remember the email I usedAsked by sean cooper on March 20, 2016 at 10:35 AM
I cant remember the email I used for this form https://secure.jotform.us/VIFY/MDLC16
Can you help me?
JotForm Support
I see that the form is associated with the JotForm account VIFY. The account is registered with an email address a****n@epi******dtp.com. You may try logging into the account using the username as well as email address. If you do not remember the password, you may request for a password reset from the login screen so that the reset instructions email shall be sent to the registered email address.
Hope this information helps!


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Type to Search
101 Colors from Nature: Earth
Colors that take a hint from the blue sky and clouds.
AIR .01, yolocolorhouse.com
A Fresh, Calm Florida Kitchen
WINDSWEPT, 89BG 70/116, glidden.com
GUSTY, CL3051W, parkerpaint.com
SHY SKY, OW42 2P, ibpna.com
BLUE YONDER, 18-3937 TPX, pantone.com
STRATOSPHERE, C51-1, olympic.com
SKY BLUE, SC293, papers-paints.co.uk
OPEN AIR, SW 6491, sherwin-williams.com
GUST OF WIND, VM05, ralphlaurenhome.com
Next Gallery
Nostalgic cabinets and an amazing view of the Gulf of Mexico.
Christine Pittel


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Sex with Jeremy Piven Was "Not That Memorable": Get to Know Sarah Tressler, Your Celebrity Blabbermouth
The men of Entourage definitely have a way with the ladies on and off the small screen. But when it comes to Jeremy Piven, he's got some work to do in the seduction department.
That is, according to an ex lover who spilled his bedroom secrets.
… More »


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Cozy and super fun with pops of dots...pure cotton jersey tee has a floaty hi-lo hem and shoulder bow. Ready to mix a lot with all her pants, leggings and skirts!
•100% cotton jersey
•Boatneck with decorative bow
•Hi-lo hem with side vents
•Certified by OEKO-TEX® Standard 100 | 03.U.9375 - FI Hohenstein
Item # 46838


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Councillor Giorgio Mammoliti has sparked the ire of his council colleagues, after describing a Toronto neighbourhood as "a pedophile district."
Mr. Mammoliti issued a press release Monday urging against allowing electronic dance music parties on the Exhibition Place grounds, saying his concerns stem from the fact that nearby Parkdale "is home to one of the highest concentrations of registered sex offenders, including pedophiles, living in the city of Toronto."
By holding these parties "next to a pedophile district, we are simply encouraging the continued abuse of our children," he said in the statement.
Mr. Mammoliti also accused Parkdale Councillor Gord Perks – who has advocated for allowing the parties at the Exhibition Place – of putting the interests of "registered sex offenders" above the interests of children. "Who are you really representing?" he said.
Mr. Perks responded immediately by denouncing his colleague's comments as an "awful slur."
"As we all know, Parkdale is the kind of community everyone in Toronto admires," he said in a statement. "We are economically, socially and culturally diverse. We accept and welcome and love each other."
Asked about Mr. Mammoliti's remarks specifically directed at him, Mr. Perks said: "In this job, sometimes people make personal attacks. That's water off my back. What really bothers me is that probably one of the best places to live in the world got attacked."
Mr. Perks said he has no immediate plans to launch a formal complaint, but he said he will "cool down and think about what the best response is."
Councillor Doug Ford, a sometimes ally of Mr. Mammoliti, called his comments "crazy."
"It's crazy, like his other press releases," he said. "It's crazy."
Last month, council reversed a decision by the Exhibition Place board to ban all-ages electronic dance parties at the site. The board is now in the process of reviewing safety protocols for such events, and are expected to report back to council in July.Report Typo/Error
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Dr. Nagendra Polavarapu MD
- Pediatric Critical Care Medicine Oak Lawn, IL
Patient Reviews
Reviews reflect patients' level of satisfaction with the care they received from this provider. Dr. Nagendra Polavarapu does not yet have any reviews.
Dr. Nagendra Polavarapu, MD is a Doctor primarily located in Oak Lawn, IL. He has 10 years of experience. His specialties include Pediatric Critical Care Medicine and Pediatrics. Dr. Polavarapu is affiliated with Mt Sinai Hospital Medical Center - Chicago, Mount Sinai Hospital and Advocate Christ Medical Center. He speaks English.
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Specialties & Expertise
Dr. Nagendra Polavarapu has the following 2 specialties and 1 board certification.
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Type 2 Diabetes
Type 2 diabetes is a chronic disease in which your body is unable to maintain a normal blood sugar (glucose) level.
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Police are appealing for help to trace missing Dean Cornwall from St George's Street Cheltenham.
Dean was last seen on July 12 but reported missing on July 21.
He is believed to have various issues but his family state his disappearance is out of character, and he has not been heard from.
He is 25 years old and is described as white, of average build, with short brown hair, 5 feet 9 inches tall and with a local accent.
Although it is not known what he is wearing, his usual clothing includes jeans and trainers.
Anyone with information regarding his whereabouts is asked to ring 101, quoting incident 229 of July 21.


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Wholesale - Small Brass Tassel
From $ 12.50
Suggested Retail Price: $130
The WKNDLA Solstice Wall Hanging is made with natural fibers and real brass tubing that is hand cut, bent, soldered, and polished. It can be displayed on a wall or hung from the ceiling as a mobile.
15"h, 6"w
Individual packaging option ($5 each) includes the wall hanging packaged in a ready-to-ship box with tissue paper, bubble wrap, and brass-plated nail for hanging.


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SENDAI – Norihiro Nakamura finished a triple shy of the cycle and drove in five runs as the Tohoku Rakuten Golden Eagles beat the Fukuoka Softbank Hawks 8-6 on Friday.
Nakamura hit a three-run double in the first inning and a tie-breaking two-run homer in the third off Toshiya Sugiuchi (2-1) at Kleenex Stadium.
The third baseman also singled and drew a walk in his other plate appearances.
Jose Ortiz led off the sixth with his fourth home run of the season to draw Softbank within 5-4, but Yosuke Takasu's sacrifice fly and Takeshi Yamasaki's two-run double pushed Rakuten's lead to 8-4 in the eighth.
Hiromichi Fujiwara (1-0) allowed four runs in five-plus innings in his season debut. Sugiuchi struck out 12 but gave up five runs in six innings.
Marines 5, Buffaloes 3
At Osaka's Kyocera Dome, Yoshihisa Naruse finished one out shy of a complete game and Kim Tae Kyun hit his first home run in Japan as Chiba Lotte beat Orix, leaving the two clubs tied for the Pacific League lead.
Naruse (2-1) allowed three runs and seven hits before Hiroyuki Kobayashi got the final out for his third save.
Kim connected off Kazuki Kondo (1-1) for a two-run shot in the fifth inning.
The Marines took a 3-0 lead in the first on RBI singles from Tadahito Iguchi, Shoitsu Omatsu and Kazuya Fukuura.
Takahiro Okada hit a two-run homer with two outs in the ninth for the Buffaloes.
Lions 6, Fighters 4
At Sapporo Dome, Hokkaido Nippon Ham first baseman Shinji Takahashi made a two-run throwing error in the eighth inning as Saitama Seibu won a seesaw contest.
Takahashi's errant throw home on a grounder by Yasuyuki Kataoka scored runners from second and third, allowing Seibu to break a 4-4 tie. Taiyo Fujita (1-0) won in relief.
Hisashi Takeda (0-3) was charged with two unearned runs in 1 1/3 innings. Lions ace Hideaki Wakui gave up four runs and 10 hits in 6 1/3 innings.
Swallows 1, BayStars 0
At Tokyo's Jingu Stadium, Tony Barnette struck out 11 over seven dominant innings and Ryoji Aikawa doubled in the only run of the game, leading Yakult over Yokohama.
Barnette (1-0) allowed three hits, all singles, and walked three in his first start in Japan. Lim Chang Yong pitched the ninth to earn his third save.
Giants 5, Carp 4
At Mazda Stadium, Alex Ramirez homered twice and drove in four runs as Yomiuri handed Hiroshima its fifth consecutive loss.
Ramirez hit a three-run homer in the fifth inning to tie the game 4-4 before adding a solo blast in the seventh off Kenta Maeda (1-1).
Dickey Gonzalez (1-1) allowed four runs over seven innings. Marc Kroon picked up his third save.
Dragons 6, Tigers 5
At Nagoya Dome, Masahiko Morino went 3-for-5 with two RBIs and Chunichi scored five runs in the fourth inning to beat Hanshin.


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And Now For Some Good News – Eric Will Be Returning To 'True Blood'
After Sunday's season finale of "True Blood", there was an uproar across all of social media. Did they kill everyone's favorite viking? What is "True Blood" without Alexander Skarsgard? Will it even be worth watching?!? After seeing a nude (I'll comment more on that in a minute) Eric Northman burst into flames, he was surely dead, right? Turns out, not so much.
According to TVLine.com, Skarsgard will still be a key character in season 7 of "True Blood". They spoke to showrunner Brian Buckner, and asked the question on everyone's mind, "Alexander Skarsgard — will he be back for Season 7?". Buckner's answer was short and simple,
I can tell you that Alexander Skarsgard is going to be a part of the next season of "True Blood". He will be a series regular.
Upon reading that, thousands of "True Blood" fans let out a collective sigh of relief.It really will all be okay!
Now, let's just hope that we get some more nude Eric scenes. I mean, how many times were we subjected to the weird naked, blood-covered Lilith follower Zombie chicks this season? We deserve more than 2 seconds of viking (soft core) porn.


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The Boys Of Summer When you have teenage boys who love sports, you better get ready for the great outdoors. Much of my spring and summer is spent sitting in the heat watching baseball tournaments. If you aren't sitting at a game, you are driving to one – or driving home from one. Its tons […]
About Larry Lourcey
Plano portrait artist, Larry Lourcey, holds the designation of Master Photographer awarded by the Professional Photographers of America (PPA) in 2007. Several of Larry's images have been selected for the prestigious PPA Loan Collection, including an image displayed at Imaging Asia in 2005. While Lourcey is most recognized for his black and white photography, the breadth of his work includes vibrant photo paintings, Polaroid transfers, and photographic collages. He derives his inspiration from master painters like John Singer Sargent and Edgar Degas, while embracing the bold styles of more modern greats; such as Pino Daeni. In his free time, Larry enjoys trying to find free time. Follow him on Twitter as @larryphoto
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AccessibleObject.DefaultAction Property
Gets a string that describes the default action of the object. Not all objects have a default action.
Assembly: System.Windows.Forms (in System.Windows.Forms.dll)
The default action for the control cannot be retrieved.
The string describes the action that is performed on an object, not what the object does as a result. That is, a toolbar button that prints a document has a default action of "Press" rather than "Prints the current document." Do not confuse an object's default action with its value.
Notes to Inheritors:
The default implementation returns the accessible object's default action if the object wraps a system control that has a default action; otherwise, it returns null. Only controls that perform actions should support this method. Not all objects have default actions, and some objects might have a default action that is related to its Value property, such as in the following examples: A selected check box has a default action of "Uncheck" and a value of "Checked." A cleared check box has a default action of "Check" and a value of "Unchecked." A button labeled "Print" has a default action of "Press," with no value. A static text control or an edit control that shows "Printer" has no default action, but would have a value of "Printer." An object's DefaultAction property should be a verb or a short verb phrase.
Available since 1.1


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The conduct of FIFA and its ethics committee have been attacked by an Australian whistleblower and politicians, with the latest integrity report being described as a farce followed by demands that world football's governing body repay the costs of Australia's bid.
Former Football Federation of Australia head of communications, Bonita Mersiades, has slammed FIFA's "culture of silence" after investigations into alleged corruption cleared the winning World Cup bids from Russia and Qatar from any wrongdoing.
FIFA published a condensed 42-page summary of a 430-page investigation led by American lawyer Michael Garcia, which was heavily critical of the conduct of the Australian and English bidding teams, alleging inappropriate use of funds.
Garcia was quick to attack the summary by FIFA, which he says includes "numerous materially incomplete and erroneous representations of the facts". The full report submitted by Garcia will not be made public by FIFA because of "privacy" reasons bringing the transparency of FIFA and the integrity of the bidding process again into question.
Mersiades, a whistleblower interviewed in the investigation, criticised FIFA's announcement and the alleged culture of cover-ups within the organisation.
"There's a culture of silence in FIFA," Mersiades told Bloomberg. "There are issues right at the very top of FIFA that they wouldn't like being made public so it's in their interest to discredit it."
Australian federal senator Nick Xenophon called for FIFA to repay the Australian government the $46 million spent on the bidding process as a result of the lack of transparency surrounding the bidding process and investigations into corruption.
Much of Australia's 2022 World Cup bid was funded by taxpayers with federal government support. The latest report and clearing of alleged vote buying from the winning bids was poorly received by Xenophon who demanded a cleanout of FIFA and a reimbursement of the costs spent by the Australian public on the bidding process.
"It proves that FIFA cannot be trusted to clean up its act," Xenophon said. "FIFA is only feigning ethics at this point. This whitewash of an investigation is an own goal by FIFA and must lead to reform of the antiquated governing body."
A spokesman for Sports Minister Peter Dutton said: "The previous Labor government spent $46 million and a one-vote outcome was disappointing.
"FIFA has chosen to release an edited, abbreviated version of a report from its internal assessment of the investigation into the bidding process. Noteworthy is the fact that FIFA's chief appointed investigator disputes this version.
"FIFA needs to be open and transparent and if there are matters that require further investigation it should provide specific details and refer these matters to the appropriate authorities to enable action."
Greens' sport spokesman Richard Di Natale called for an independent investigation into Australia's bid.
"Like many other Australians I would love to see Australia host the World Cup but that doesn't mean we should endorse corrupt behaviour," Di Natale said.
"Allegations about Australia's conduct as part of its bid to the host the World Cup raise some serious red flags. The Greens want an independent investigation into our bid so that we can get everything out in the open, not hidden in some confidential FIFA report. It proves that FIFA cannot be trusted to clean up its act."


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Anadarko's Kerr-McGee Held Liable in Tronox Spinoff
Anadarko Petroleum Corp. (APC) and its Kerr-McGee unit acted improperly in the 2005 spinoff of Tronox Inc. and may have to pay as much as $14 billion related to environmental cleanup and health claims, a judge ruled.
Anadarko plunged 9.3 percent in after-hours trading, cutting its market value to $38 billion. The judge's ruling yesterday weighed how much money can be recovered from a successor to a polluting company, even after bankruptcy has ostensibly cleaned the slate of obligations. The company said it expects to appeal the ruling.
The case stems from Kerr-McGee's spinoff of its chemicals business and old environmental liabilities as Tronox beginning in 2005. About three months after that transaction was completed, Anadarko offered to buy Kerr-McGee's oil and natural gas assets for $18 billion.
Burdened by environmental debts, Tronox filed for bankruptcy in 2009 and sued Anadarko and Kerr-McGee the same year. A nonjury trial was held before U.S. Bankruptcy Judge Allan Gropper in Manhattan in 2012.
"The transaction, which left the debtors insolvent and undercapitalized, was not made for reasonably equivalent value," Gropper said in his decision yesterday. He found that the companies may need to pay $5 billion to $14 billion in damages. He said he will fix an exact amount after giving both sides a chance to file arguments about how the number should be calculated.
Shares Fall
Shares in The Woodlands, Texas-based Anadarko traded as low $71.90 yesterday after the close on the New York Stock Exchange. Before the ruling was released, the stock had risen 13 percent this year.
``Given the significant factual evidence supporting our position, we vehemently disagree with the judge's memorandum of opinion, and we fully expect to pursue every avenue available to us through the appellate process to protect the interests of our stakeholders, once a final judgment including damages has been rendered," Al Walker, Anadarko chairman, president and chief executive officer, said in a statement on the company's website.
According to the complaint in the lawsuit, Anadarko's Kerr-McGee unit took part of a two-step transaction that defrauded the Environmental Protection Agency of money to clean polluted sites. The U.S., as Tronox's largest creditor, intervened on behalf of the EPA.
The U.S. had sought $25 billion to clean 2,772 polluted sites and compensate about 8,100 tort claimants. A trust set up to pay plaintiffs calls for 88 percent of a judgment to go to trusts for cleanup, according to court papers. The remainder is to go to toxin claimants.
'Limited' Issue
"The issue is limited but the difference in damages is large -– whether defendants should be liable for damages in the amount of $14,166,148,000 or $5,150,490,000, plus attorneys' fees and costs to the extent appropriate," Gropper wrote.
To set the final number, Gropper will give Anadarko a chance to propose the size of its offsetting claim in Tronox's bankruptcy. That claim would reduce the total that Anadarko must pay.
"Kerr-McGee's attempted avoidance of its massive environmental liabilities threatened communities across the nation which have waited years for Kerr-McGee and Anadarko to be held accountable," attorney John Hueston, the Tronox bankruptcy trustee who oversaw the lawsuit, said in a statement.
The potential damages in Gropper's ruling are greater than what most analysts had foreseen, and Anadarko hasn't been holding reserves in anticipation of something this big, Andrew Coleman, an analyst at Raymond James & Associates Inc. in Houston, said in a telephone interview yesterday.
Bigger Range
"The range is certainly bigger than people were talking about yesterday," said Coleman, who had estimated payouts totaling less than $5 billion.
The U.S. sought $15 billion in assets allegedly transferred in 2005, plus $10 billion in interest and appreciation.
While awaiting the judge's decision, Anadarko repeatedly assured investors it was "confident in the merits of its position." The company had estimated its costs connected to the lawsuit to be $1.4 billion at most, according to a Nov. 4 quarterly filing.
Initial market reaction to the ruling may be overheated as Anadarko has cash holdings of more than $7 billion and "substantial" liquidity through debt and other holdings, ISI Group Inc., an investment research company, said yesterday.
The case went to trial in May 2012, with testimony from more than 50 witnesses, including bankers, scientists and a mayor who said Kerr-McGee toxins destroyed his town. Luke Corbett, Kerr-McGee's chief executive officer from 1997 to 2006 and now a director at Anadarko, also testified.
When a notice was filed on July 12, 2012, saying the trial was being halted a week for settlement talks, Anadarko shares rose as much as 4.3 percent. The talks proved fruitless and the trial resumed.
Uranium Mines
Kerr-McGee, founded in 1929 near Oklahoma City, left a toxic legacy that stretches from uranium mines in Navajo territories in the West to wood-treatment plants in Mississippi and Pennsylvania, the EPA said in court papers.
Labor activist Karen Silkwood died in a car accident in 1974 after claiming that Kerr-McGee was contaminating her and others at its nuclear materials plant near Crescent, Oklahoma. That plant, the Cimarron facility, is one of the sites for which the U.S. has been seeking cleanup costs, according to court papers.
According to the U.S., Kerr-McGee began to separate its liabilities from its assets as early as 2001, through an effort known as "Project Focus," and never revealed the extent of its polluting properties. Some of the properties were referred to by employees as "secret sites," the U.S. said.
"The secret sites weren't secret," Thomas Lotterman, a lawyer for Anadarko, told Gropper during a court hearing. "The company's own auditor said they weren't an issue."
Maximize Value
Anadarko said Kerr-McGee was reorganizing to separate the chemical business from the oil-and-gas business and maximize shareholder value.
"All relevant parties believed that both businesses were healthy," Anadarko said in court papers.
David Zott, the attorney for the litigation trust, said at trial that Kerr-McGee executives tried to obscure the reason for the Tronox spinoff. He cited evidence that in May 2001, Kerr-McGee's chief financial officer deleted a reference to the company's environmental issues from a presentation to the board on why it should authorize a spinoff.
"All the way back in May 2001, they were thinking about the ultimate endgame," Zott told Gropper. He said nine lawyers spent 86 days researching the subject of fraudulent conveyance, the legal theory being used in the lawsuit to seek recovery of environmental costs.
Lotterman said the U.S. was trying to make everyday business activities sound like a scheme to defraud the government by weaving together select facts with the benefit of hindsight.
"A tall tale well told is still a tall tale," Lotterman said at the trial.
The lawsuit is Tronox Inc. v. Anadarko Petroleum Corp., 09-ap-01198; the bankruptcy is Tronox Inc., 09-bk-10156, U.S. Bankruptcy Court, Southern District of New York (Manhattan).
To contact the reporters on this story: Steven Church in Wilmington, Delaware, at firstname.lastname@example.com; Tiffany Kary in New York at firstname.lastname@example.com; Bradley Olson in Houston at firstname.lastname@example.com
To contact the editor responsible for this story: Andrew Dunn at firstname.lastname@example.com


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If you're one of those fans who didn't purchase tickets to the Mets-Yankees series June 26-28 at Citi Field because they're too expensive or you just didn't get around to it, here's your chance to get in on the action.
Mets.com is offering a lottery, similar to the opportunity to purchase post-season tickets, in which people who register might get the opportunity to purchase the tickets for as little as $27. The registration is continuing through 11:59 p.m. Thursday and you can sign up by going here.
Selected registrants will be notified by June 9. They will be able to purchase up to four tickets. Sign up and good luck.


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For the fiscal four-week period ended November 25, ALCO Stores, Inc. announced that sales from continuing operations, excluding fuel, increased 2.7% to $42.4 million versus the year-earlier month. Comparable store sales, excluding fuel, decreased 1.7% from a year earlier.
"We are pleased with ALCO's 2.7% increase in total sales, which reflects a good start to the holiday shopping season and the contribution of our newer stores," said Rich Wilson, ALCO president and CEO commented, in a statement on financial results. "In particular, sales at our two newest locations in Cut Bank, MT, and Tioga, ND, are both exceeding forecast. On a same-store basis, performance in November was strong in key holiday-season businesses, primarily Toys, Electronics, Housewares, Domestics, Stationery and Christmas. In addition, the food and consumables businesses delivered same-store sales increases for November. Decreases in our Apparel business negatively impacted the total same-store sales by 2.3%, primarily as a result of lower sales of cold-weather apparel."


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Visitors to Dartmoor National Park Authority's flagship High Moorland Visitor Centre in Princetown will now be able to enjoy all the exhibitions and displays free of charge.
On Friday, December 7, authority members approved the return to free entry after a trial period of charging. Charging was introduced in April 2012 to help offset running costs.
The authority made the decision to remove the charging in order to maximise opportunities to promote understanding of the national park's special qualities to all visitors to the centre. Anyone who has paid for season ticket entry can receive a refund when they next visit the centre.
The centre provides extensive, interpretative displays that provide wonderful insights into Dartmoor, its history, culture and wildlife, as well as a gallery with regularly changing exhibitions and a small auditorium where visitors are able to watch various short films about Dartmoor. The current exhibition Life of a River by regional artist Mark Abdey is a collection produced over two years, encompassing painting, writing, music and film all tracing the course of the River Swincombe.
The High Moorland Visitor Centre is open 10.30am - 3.30pm, Thursday – Sunday until February 2013. Over the Christmas/New Year period the Centre will be open from 27 December 2012 - 6 January 2013 inclusive. (Closed Christmas Eve, Christmas Day and Boxing Day). The centre will be open daily 10am - 4pm from March 2013 (except 4 - 8 March inclusive).
The National Park Visitor Centre at Haytor is also operating its winter opening schedule and will be open Thursday – Sunday 10.30 am – 3.30 pm until February 2013. Over the Christmas and New Year period the Centre will open from 27 December – 6 January (it will be closed on Christmas Eve, Christmas Day and Boxing Day).
The centre will also be closed for annual maintenance from 7 - 8 March 2013. Haytor is easily accessed from the A38. The road winds steeply up from Bovey Tracey, but, once on the moor, the spectacular view of Haytor is not to be missed.
On Boxing Day the National Park Authority's Moor to Devon outreach vehicle will be in the Haytor area to provide information and advice to those enjoying a post Christmas Day visit to Dartmoor.
The National Park Visitor Centre at Postbridge is now closed for the winter and will reopen in Spring 2013.
Staff at Dartmoor National Park Visitor Centres will be pleased to help you with advice and ideas on where to go and what to see during your visit to the National Park this winter. The centres also stock a range of useful items for the outdoor enthusiast such as maps, publications about Dartmoor and guide books.


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Jazz Ensemble
Jazz Ensemble
The Jazz Ensemble is an auditioned ensemble of 18 to 22 students. All styles of jazz are studied encompassing swing, Latin, fusion, bop, and American songbook standards of the Big Band Era. The Jazz Ensemble has tour Europe four times since 1993 with performances at the Montreux (Switzerland), Vienné (France), and the North Sea (Holland) Jazz Festivals. The most recent tour was to Italy and Greece in May 2008. Additionally, the GCJE has opened for Ray Brown and Phil Woods and participated in the Villanova and George Mason Intercollegiate Jazz Festivals. Guest soloists have included Paquito D'Rivera, Jim McFalls, Chris Vadala, Kathy Kosins, George Rabbai, John Fedchock, Denis DiBlasio, and Lew Soloff. Major jazz artists such as Maynard Ferguson, Dave Brubeck, John Pizzarelli, Bill Charlap, and the Count Basie Orchestra have also performed at Gettysburg College.
John Jones, Advisor


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Iranian president Hassan Rowhani cancels anti-Israel forum
Gathering instigated by hardline predecessor seen as undermining emerging policy of engaging with the West
The administration of President Hassan Rowhani has cancelled an anti-Israeli conference as part of his outreach to the West and efforts to map out a new diplomatic path for Iran.
The annual event was set up by Rowhani's predecessor, Mahmoud Ahmadinejad, and showcased the former president's vitriolic anti-Israeli rhetoric and promoted his anti-Israeli sentiments.
When the conference was first held in 2005, Ahmadinejad made his infamous remark that Israel should be "wiped off the map". He later suggested the Holocaust was a "myth".
Iranian news websites said the foreign ministry scrapped the gathering in Tehran because it was seen as undermining the government's policy of "interaction with the outside world".
Rowhani's overtures to the West - including the historic exchanges last month at the United Nations - appear to have solid backing from Iran's top decision-maker, Ayatollah Ali Khamenei. As long as the supreme leader keeps his support, the backlash from critics cannot seriously challenge Rowhani's lighter touch.
Hardliners accuse Rowhani of selling out on Iran's ideological values.
One of the organisers of the anti-Israeli conference, dubbed New Horizon, said the cancellation was a "disaster" and a "big mistake".
"Cancellation of the anti- Zionist New Horizon festival is a disaster. It was the most powerful anti-Zionist conference in Iran," website mashreghnews.ir quoted the organiser, Nader Talebzadeh, as saying.
Talebzadeh said 63 foreign scholars and 50 Iranian speakers were expected to address the gathering, which was supposed to have taken place about now.
He added that he began inviting foreign speakers back in May, when Ahmadinejad was in office.
Rowhani's short-term goal is seeking to ease Western sanctions as part of negotiations over Iran's controversial nuclear programme.
Talks with the US and other world powers are scheduled to resume in Geneva next week, but Iran has not yet given details on what new proposals it would bring.
The West and its allies fear Iran's ability to make nuclear fuel will eventually lead to weapons-grade material. Iran repeatedly denies it seeks nuclear weapons and says its atomic programme is only for energy and medical applications.
Israel views a nuclear-armed Iran as a threat to its very existence, citing Iran's repeated calls for Israel's destruction, its long-range missile programme and its support for violent anti-Israel groups like the Hezbollah in Lebanon.
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text: Montego Bay Club Hotel rating Quick Specs Rates $80-$100Year Built 1972Year Renovated 2005 View Large Interactive Map Address White Sand BeachMontego Bay, Jamaica Web Phone + 1 876-952-4310 Fax + 1 876-979-2608 Toll-free Email OverviewMeeting Specs Description Casual Resort Hotel set on the side of a hill directly overlooking Doctor's Cave Beach.Year Built: 1972Year Renovated: 2005Check in Time: 12:00 PMCheck out Time: 12:00 PMNumber of Floors: 14Total Number of Rooms: 99Rates: $80 GDS Hotel Reservation CodesReps: Intl Travel & Resorts Montego Bay Club Location & NeighborhoodNear Montego Bay, 1 mile from Montego Bay. Opposite Doctor's Cave Beach. Airport, Beach, Tourist. Montego Bay Club Rates & PoliciesMontego Bay Club rates are Daily in USDStandard: $80 Suite: $100 (USD) No Credit Cards AcceptedReservations must be guaranteed with a credit cardMeals: No Meals IncludedDeposit Policy: 3 nights' deposit required 2 weeks before arrivalCancellation Policy: 14 days prior in winter, 7 days prior summerHotel Discounts offered: Group discountGovernment/ Military discountTravel Agents 40.0%Airline Personnel 40.0% Nearby AirportsSangster Intl (1.75 miles northeast)Norman Manley Intl (84 miles southeast)Sierra Maestra (136 miles northeast)More Airports » Montego Bay Club Room AmenitiesMontego Bay Club amenities are in All rooms unless noted otherwiseAir ConditioningBalcony/TerraceCoffeemaker (some)Daily Maid ServiceKitchen/KitchenetteMicrowave Oven (some)Rooms for Non-smokersTelephoneRefrigeratorCable/Satellite TelevisionTelevision Guest ServicesBabysitting/Child CareBarber/Hair StylistCurrency ExchangeGift ShopLaundry RoomLaundry/Dry Cleaning ServiceFree Onsite ParkingWheelchair Access to Common/Public AreasCommon Area Internet Access (Wireless) Security ServicesUniformed Security Nearby SightseeingFish World Attractions (1.25 miles southeast)Rocklands Feeding Station (1.25 miles southeast)More sightseeing » On-Site RecreationPool (Outdoor Pool)Tennis (Outdoor Tennis)Nearby RecreationBeachBoating/SailingFishingGolf CourseHorseback RidingScuba DivingShopping Mall/AreaSnorkelingWater Skiing Montego Bay Club Meeting Rooms & Events Montego Bay Club Business ServicesCopier Nearby Montego Bay Hotels More Nearby Hotels Sunset Beach Resort Spa & WaterparkBlue Harbour HotelCoyaba Beach Resort & ClubDoctors Cave Beach HotelHoliday Inn SunSpree Resort Montego BayMontego Bay HotelRose Hall Resort & Spa, A Hilton ResortRoyal Decameron Montego BeachGood Hope Country HouseIberostar Rose Hall BeachIberostar Rose Hall SuitesCasa Blanca Beach HotelHalf MoonRelax ResortThe Tryall ClubToby's ResortEl Greco Resort Hoteliers! Is your listing up to date? With over 130,000 hotels in our database, no other source compares to our depth of information. Click here to review and be sure the travel professional knows your hotel's latest details.


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Fox @ Excel
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Reviews of Fox @ Excel (Average Rating: 4½ of 10) see review guidelines
Please Note: This review is over a year old.
Just a quick pint, then I'm off left this review about Fox @ Excel
A strange mixture. The more obvious part of this multi-level establishment is the modern extension housing a mid-sized bar with an entrance off the walkway between the ExCeL exhibition centre and Custom House DLR station. This connects down to a conversion of part of the former tobacco Warehouse K, housing a much larger bar and dining area. Two handpumps in each bar, offering Deuchars IPA (inevitably expensive, given its location, at £4.30) and Caledonian Flying Scotsman.
On 25th May 2014
- rating: 5
[User has posted 4338 recommendations about 4338 pubs]
Please Note: This review is over a year old.
E TA left this review about Fox @ Excel
A warehouse conversion adjacent to the Excel Centre, The Fox has a large restaurant upstairs and an even larger bar on the ground floor. Attempts have been made to make it atmospheric: wooden floors, background music and exposed brickwork fail to disguise its original purpose. There is free wifi available. The staff are mostly non-native, the low quality food would not be out of place in a 1970s motorway cafe (pre-packaged reheated offerings of the worst kind), and the beer wasn't brilliant. There were 2 ales on. I had a pint of Caledonian Flying Scotsman which was not right. Very disappointing all round and unlikely to be repeated.
On 16th December 2013
- rating: 4
[User has posted 1836 recommendations about 1821 pubs]
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Pub Details
Pub details supplied by members of this site to the best of their knowledge. Please check with pub directly before making a special trip.
- Hot Food : Yes last updated 16 December 2013 by hondo .
- Real Ale : Yes last updated 16 December 2013 by hondo .


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Lesson 3 Kilogranimals
The Mastermind Game
Select colors for 4 different pegs and try to guess what combination the Mastermind is thinking of based on the clues he gives you.
Click panels in your selected order. Items you click will grow and grow with each turn. You will complete the game when all panels reach their max level. They effect each other as they grow, so you have to think about the clicking order.
Legend Of Sword
Legend Of Sword. Play more games at http://www.freegameview.com
Get Home
Try to get home without any of the big guys wacking you
Jetpack Escaper
Somewhere in Iraq, Saddam Hussein is still under US lock and key
Not much to this cool little game. Eat the bugs with your trusty frogmobile as quickly as possible. Not easy because the frog just doesn't go where u want it to go...


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Your Sloan, NY home is likely your most valuable asset. We, at freehostdir.ru, want to make sure that it stays that way. freehostdir.ru wants to be the Sloan, NY plumbing company of choice. freehostdir.ru serves the entire Sloan, NY area and we are fully licensed, bonded and insured.
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Our plumbing professionals are courteous, friendly and efficient. They will give you upfront pricing so you know how much the job will cost before it is started. They will treat you and your Sloan, NY home with respect and will provide service in a manner expected of a professional and experienced plumber.
If you are looking for a professional Sloan, NY plumber, then call freehostdir.ru at or complete our non-emergency service request form.
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TRAVELLERS have moved onto private land in the Cressex area of High Wycombe but have told police they will be leaving again soon.
It is not yet known how many travellers have moved onto the Johnson and Johnson site on Holmers Farm Way, near John Lewis.
Travellers were recently evicted from two other sites in High Wycombe, although it is not known if the latest incident is related.
Last Thursday over 15 caravans were evicted from the former Compair Site in the Hughenden Quarter.
Click here for more information.


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Unbeatens Juan Manuel Lopez and Yuriorkis Gamboa stayed on a collision course Saturday night at Madison Square Garden.
As the co-featured stars in HBO's Boxing After Dark doubleheader, Lopez (28-0, 25 KOs) and Gamboa (17-0, 15 KOs) each won in impressive, abbreviated fashion to clear the way for a potential featherweight title unification showdown later this year.
Lopez, the WBO junior featherweight champion from Puerto Rico, moved up in weight and closed the show with his arms raised in victory after dethroning WBO featherweight champion Steven Luevano (37-2-1, 15 KOs) with a technical knockout at :44 of the seventh round.
"It's my dream to be world champion in four divisions and this is the second one,'' said a jubilant Lopez. "I'm very, very happy that I showed this crowd a great fight."
Gamboa, the WBA featherweight champion, got things started and made a powerful statement by defeating Tanzanian-born Roger Mtagwa (26-14-2) to retain his title on a TKO at 2:35 of the second round.
"I was hoping to get to the fourth round to show all that I had," said Gamboa, disappointed the fight didn't last longer but pleased with his dominance against a fighter who previously gave Lopez all he could handle.
"I've been trying to improve all my deficiencies,'' said Gamboa, who knocked down Mtagwa three times -- once in the first round and twice in the second round before referee Steve Smoker stopped the carnage.
Mtagwa, who fights out of Philadelphia, had elevated his stature when he took Lopez the full distance and very nearly scored an upset in his most recent fight.
Although Gamboa dominated Mtagwa by comparison Saturday night, the champion from Cuba didn't think the ease of his victory made any statement about how he would fare against Lopez.
"Two different boxers, two different categories,'' Gamboa said. "You can't compare."
If Gamboa's show-stopping performance had any residual effect, it might have put added pressure on Lopez to look just as impressive against Luevano.
"It didn't matter what Gamboa did in his fight,'' Lopez disagreed. "I prepped hard for Luevano. It was a tough fight because he's an intelligent fighter."
Luevano was making the sixth defense of his title, but Lopez managed to systematically break down the deposed champion from La Puente, Calif., stopping him for the first time in his career.
Both Lopez and Gamboa anticipate a showdown is on the verge of happening, but the details still need to be ironed out.
"It's in the hands of the promoters,'' Gamboa said. "I'm ready to fight anybody they put in front of me."
"We'll discuss things in the next few days,'' Lopez said. "Whether it's Gamboa or whatever my team wants, it doesn't matter."


text: Viewing After Filming a Gay Porn - 2 of 2 After Filming a Gay Porn (NSFW Version) The Crypt Two guy's discuss what they're gonna eat after filming a gay porn! Starring Johnny Osburn and Bobby Williams TheNetwerkOriginals April 15, 2010 11k Views More Info Full Credits TheNetwerkOriginals Uploader Additional Credits Check out more of Johnny at http://www.youtube.com/user/herculoadJohnny will be performing at "Tokyo Gardens" April 17th 2010 in Fresno, Ca. Special guest and headliner Jackson McQueen will also be performing. Check out what Johnny is up to at http://www.myspace.com/johnnyosburncomedian or http://www.facebook.com/pages/Johnny-Osburn/183358444765 Stats & Data 226Funny352Die 10,965 Views April 15, 2010 Published Category Not Safe For Work Sketch Parody Tags fail fall dumb kid funny comedy falling laughing porn porno gay filming hd high definition high def lunch dinner not safe for work nsfw Up Next: After Filming a Gay Porn AUTOPLAY Up Next In: 10 After Filming a Gay Porn After Filming a Gay Porn (NSFW Version) Stand-Up Comedian Johnny Osburn on Shopping Carts and Bj's Star Wars: Greedo Tells Han a Knock Knock Joke Follow Browse Related Comments After Filming a Gay Porn 2+ more View All ▶ Johnny Osburn 4+ more View All ▶ 110+ more View All ▶ TheNetwerkOriginals Vaguely Related Videos Vaguely Related Pics & Words Advertisement Tags: fail fall dumb kid funny Advertisement


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The new 'Idol' judge tweets to his predecessor on the FOX reality show, '@MariahCarey - Must've been hard to judge in hell. Idol XIII: Welcome to heaven!'
Harry Connick Jr. has responded to Mariah Carey's comment that compared "American Idol" to hell. After the R&B diva opened up about her experience working on the show last season, the new judge which joins the show for the upcoming 13th installment tweeted, "@MariahCarey - Must've been hard to judge in hell. Idol XIII: Welcome to heaven!"
Careful not to offend the "#Beautiful" songstress, the former "Will & Grace" star quickly added, "I LOVE @MariahCarey!!! no hate for that sweet lady - i just feel bad that she didn't have what we have - the best @AmericanIdol ever!"
Carey earlier told Hot 97's Angie Martinez during a radio interview that she "hated" being on "Idol". "I thought it was going to be a three-person panel. They gave me a nice dangling monetary moment, and I was just like, 'Okay. Randy Jackson will be there; I've known him forever. He used to play bass for me. Like, this isn't a big deal. This will be nothing.' But it wasn't that. It was like going to work every day in hell with Satan," she said without mentioning whom she compared to Satan.
It's, however, widely believed that Carey was referring to fellow former judge Nicki Minaj, with whom she had a highly-publicized feud during their judging stint in season 12. She later downplayed her initial comments, saying, "Naw, I'm just playing. It didn't affect me that much."
With Keith Urban returning and Connick Jr. and Jennifer Lopez in place of the exiting judges, the judging panel of season 13 will likely be more cheerful. Urban said in September, "I think this season of 'Idol' is gonna be a blast. New team, new energy, and a whole new field of artists to be discovered and given a chance!"
"Idol" season 13 will premiere January 15 on FOX. The show has just debuted new ads which highlight the real contestants and their motivation for joining the reality singing competition series.
"American Idol" season 13 ads:


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- Fund Regulation
- Retirement Security
- Trading & Markets
- Fund Governance
- Taxes
- ICI Comment Letters
International Securities Commissions Outline Anti-Money Laundering Requirements
Washington, DC, March 8, 2005 - In February, the International Organization of Securities Commissions (IOSCO) issued a report on mutual funds' anti-money laundering responsibilities.
The report's recommendations largely mirror U.S. anti-money laundering requirements and apply to all collective investment schemes (CIS), including mutual funds. The report recommends that each mutual fund develop and implement a written program reasonably designed to prevent it from being used for money laundering and terrorist financing. The program should be approved in writing by the directors of a fund company, and should include:
- the establishment of policies, procedures, and internal controls;
- an ongoing employee training program;
- an independent audit function to test the program for compliance; and
- appropriate compliance management arrangements.
The report also states that mutual funds have a responsibility to verify the identities of its investors and beneficial owners. Under the IOSCO approach, measures to identify and verify the identity of the investor, however, would examine the type of investor, business relationship or transaction, and the types of accounts opened by the CIS, to the extent reasonable and practicable.
In addition, the report notes that, in certain jurisdictions, a mutual fund might sub-contract its client due diligence procedures to another financial institution or service provider. In this regard, the report notes that while performance of these functions might be delegated, overall responsibility and potential liability cannot.
IOSCO's Technical Committee is seeking comment on the report by May 18, 2005.
This site includes a section devoted to global issues that affect funds and their shareholders.
Copyright © 2017 by the Investment Company Institute


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Don't Stop Me Now - Men's Graphic T-Shirt
Item: 1310411-138
Let your favorite 70's inspirational lyric help you spy, with your naked eye a BKI Watertower. Printed on our super soft, 100% Organic Cotton tee!
Made in the USA.
Customer Reviews
Fabric Content: 100% Organic Cotton
Care Instructions: Machine wash cold and tumble dry low.


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Implement ISO 20022 payment initiation messages in a payment processing solution
International standards are used to make industries more efficient and effective by providing specifications for products and services to ensure that they are safe, reliable, and of good quality. ISO 20022 is the platform proposed by the International Organization for Standardization (ISO) to develop all financial messages. However, one challenge to the proposal of using ISO 20022 standards for inbound and outbound messages is when existing data models or messaging formats already in place do not easily conform to the standards and structures imposed by the ISO messages.
This article provides an overview of ISO 20022 message formats and demonstrates how they can be implemented in solutions using data mapping techniques and tooling. The information in this article is applicable to business analysts, solution architects, and subject matter experts working in the payment processing industry.
ISO 20022 overview
ISO 20022 can be considered to be a universal financial industry message framework and is the platform proposed by ISO for developing all financial messages. ISO 20022 is a multipart standard, developed and maintained by the ISO Technical Committee responsible for standardization in the field of banking, securities, and other financial services (ISO/TC 68). ISO 20022 does not describe the messages themselves; it describes a common platform for the development of standardized messages using:
- A modelling methodology (based on UML) to capture the business transactions and associated message flows across financial business areas in a syntax-independent way.
- A central dictionary of business terms commonly used in communications between financial institutions.
- A set of XML design rules to convert the messages described in UML into XML schemas. It should be noted that XML is not a prescribed message syntax, but it is often preferred and is the syntax used in this article.
ISO 20022 realizes end-to-end processing across domains and geographies that currently use vastly different standards and information formats. Financial institutions exchange large amounts of information with other financial institutions and with their customers. Such exchanges only work if the sender and receiver of a message have a common understanding of how to interpret this information. The ability to map different messaging standards is an important aspect of interoperability across the industry. It allows for the seamless execution of a business process by various counterparts with different levels of automation and time-to-market requirements or capacity.
The model described above enables the financial services industry to hold the basic foundations of their business in a centralized data dictionary and derive the financial messaging that they use. The modelling methodology decouples the business rules from the format of the physical message being exchanged. The models evolve to meet changing business needs while the message formats evolve to take advantage of the latest innovations in technology. This enables the industry to leverage current technologies and to adapt quickly to future change using the flexibility that is inherent in the ISO 20022 standard.
As a standard, ISO 20022 supports convergence and co-existence. The use of a single standard is desirable in the long term, but in the interim a number of standards continue to co-exist. One of the big catalysts for the adoption of ISO 20022 in the payments arena is the Single Euro Payments Area (SEPA), which is currently replacing domestic retail credit transfers and direct debits with standardised European payments that use ISO 20022 messages. From February 1, 2014, the European Commission has mandated that SEPA replace all local payment systems. The consequence of this is that after that date the overall majority of regular payments and collections in the euro zone must be processed as SEPA payments. For banks, it is mandatory to use ISO 20022 in interbank SEPA communication. (It should be noted that ISO 20022 is not obligatory for other parties that want to use the bank's services.) A key driver for this is that many current formats are unable to support some of the requirements for SEPA such as the provision of a mandatory IBAN value.
There are a number of appealing advantages in adopting ISO 20022 for SEPA:
- It supports improved straight through processing (STP), which means the automatic processing of an order without human intervention.
- Because the entire chain in a transaction uses a uniform format for payments, processing time is shorter and the likelihood of errors is lower.
- ISO 20022 is also a particularly transparent format and is human-readable. Tracing and solving errors or inconsistencies is simpler.
- Almost all large banks accept the standard. Therefore, the number of payment formats can be reduced considerably, which will reduce the maintenance costs of these formats.
- It improves the quality of data exchanged between financial institutions by introducing structure and consistency to the data dictionary.
The SEPA data formats are applicable for two SEPA payment types: SEPA Credit Transfer (SCT) and SEPA Direct Debit (SDD). The standards for these schemes facilitate payment initiation, processing, and other functions such as reconciliation or refunds in line with the Rulebooks created by the European Payments Council.
Implementation of the SEPA payment schemes uses a number of ISO Message types, which are described more fully in the following sections.
ISO payment messages
In the ISO context, the standard describes the agreement on what information is expressed, while the syntax is the format or the language used to express that information. A message definition provides a clear classification of the information and data formats (field lengths, codes, character sets) that can be exchanged between parties and can be looked at logically as a description of what data is exchanged in the message, its structure, and what it means. These logical definitions can be mapped to the business definitions defined in ISO 20022. Although ISO does not dictate the syntax of the messages, XML is the most widely used syntax for message specifications, and XML message schemas are derived from the ISO UML message models.
ISO 20022 messages are available for the complete end-to-end payments chain: customer-to-bank (payment), bank-to-bank (payment clearing and settlement), and reporting (cash management). These financial message definitions are divided into business areas (these are well-recognised functional domains in the industry) and are identified by business area codes (4 characters). These codes are:
- acmt – Account Management
- admi – Administration
- caaa – Acceptor to Acquirer Card Transactions
- camt – Cash Management
- catm – Terminal Management
- pacs – Payments Clearing & Settlement
- pain – Payments Initiation
- reda – Reference Data
- seev – Securities Events
- semt – Securities Management
- sese – Securities Settlement
- setr – Securities Trade
- trea – Treasury
- tsmt – Trade Services Management
- tsin – Trade Services Initiation
The message flows that represent a particular business transaction comprise messages from the business areas defined above. For example, a customer-initiated direct debit initiation message (pain.008.001.03) will result in a customer payment status report message (pain.002.001.04). Full details of the message flows for all business areas can be found in the ISO Payments Messages (see Related topics) section of the ISO 20022 website.
The following section describes the scenario and use of ISO 20022 Customer Direct Debit Initiation messages.
Sample direct debit messages
A direct debit or direct withdrawal is a financial transaction in which one person (creditor) withdraws funds from another person's (debtor) bank account. Formally, the person who directly draws the funds (the payee) instructs his or her bank to collect (that is, debit) an amount directly from another's (the payer's) bank account designated by the payer and pay those funds into a bank account designated by the payee. Direct debits result in cash transfers between debtors and creditors through infrastructures or correspondent banks. They can be exchanged as single instructions, but are traditionally grouped following some common characteristics and typically exchanged in a batch mode for efficiency.
Using ISO standards, a Payment Initiation (pain.008.001.03) message is sent by an initiating party to the forwarding agent or creditor agent. It is used to request a single collection or bulk collections of funds from the various debtor's accounts for a creditor.
Figure 1 shows a sequence diagram provided by ISO to describe the positive scenario in initiating a direct debit. In the scenario:
- The CustomerDirectDebitInitiation message is sent by the initiating party (Creditor) to the forwarding agent or creditor agent. It is used to request single or bulk collections of cash from one or various debtor accounts to a creditor.
- The FItoFICustomerDirectDebit message is sent by a financial institution to another financial institution, directly or through a clearing system. It is used to clear direct debit instructions initiated by non-financial institution customers.
- The positive CustomerPaymentStatusReport message (single or grouped) and FIToFIPaymentStatusReport message (single or grouped) is sent by the receiver of an instruction to inform the receiver that the instruction has been received and can be processed.
Figure 1. Sample direct debit message
Listing 1 shows a customer direct debit initiation message sent by the Smith insurance company to its account servicer, AAAAUS29. AAAAUS29 offers a special service to Smith, under agreement VERPA-1. The direct debit initiation message contains a single collection instruction. This instruction is for 985 GBP to be collected from account 789101, owned by debtor Lee and serviced by agent CCCCUS27. This is a one-off direct debit, which has notified Lee on 8 June 2013, with reference SMITH2435/2012. The payment is for a car insurance premium. The requested collection date is 13 July 2012, and charges related to the handling of the instruction will be shared between Smith insurance company and the debtors.
Listing 1. Customer direct debit initiation message
<?xml version="1.0" encoding="UTF-8"?> <?valid true?> <?description Sample Message?> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.03"> <CstmrDrctDbtInitn> <GrpHdr> <MsgId>CAVAY1234</MsgId> <CreDtTm>2013-06-02T14:25:00</CreDtTm> <NbOfTxs>1</NbOfTxs> <CtrlSum>985</CtrlSum> <InitgPty> <Nm>Smith</Nm> <PstlAdr> <StrtNm>Virginia Lane</StrtNm> <BldgNb>3</BldgNb> <PstCd>W12 8QT</PstCd> <TwnNm>London</TwnNm> <Ctry>GB</Ctry> </PstlAdr> <CtctDtls> <Nm>J. Thompson</Nm> <EmailAdr>firstname.lastname@example.com</EmailAdr> </CtctDtls> </InitgPty> </GrpHdr> <PmtInf> <PmtInfId>CAVAY/88683</PmtInfId> <PmtMtd>DD</PmtMtd> <BtchBookg>false</BtchBookg> <ReqdColltnDt>2013-07-13</ReqdColltnDt> <Cdtr> <Nm>Smith</Nm> <PstlAdr> <StrtNm>Virginia Lane</StrtNm> <BldgNb>3</BldgNb> <PstCd>W12 8QT</PstCd> <TwnNm>London</TwnNm> <Ctry>GB</Ctry> </PstlAdr> </Cdtr> <CdtrAcct> <Id> <Othr> <Id>789123</Id> </Othr> </Id> </CdtrAcct> <CdtrAgt> <FinInstnId> <BICFI>AAAAUS29</BICFI> </FinInstnId> </CdtrAgt> <DrctDbtTxInf> <PmtId> <EndToEndId>AY090327/456</EndToEndId> </PmtId> <PmtTpInf> <InstrPrty>NORM</InstrPrty> <SvcLvl> <Prtry>VERPA-1</Prtry> </SvcLvl> <SeqTp>OOFF</SeqTp> </PmtTpInf> <InstdAmt Ccy="GBP">985</InstdAmt> <ChrgBr>SHAR</ChrgBr> <DrctDbtTx> <PreNtfctnId>Smith2435/2013</PreNtfctnId> <PreNtfctnDt>2013-06-08</PreNtfctnDt> </DrctDbtTx> <DbtrAgt> <FinInstnId> <BICFI>CCCCUS27</BICFI> </FinInstnId> </DbtrAgt> <Dbtr> <Nm>Lee</Nm> <PstlAdr> <StrtNm>Cross Road</StrtNm> <BldgNb>45</BldgNb> <PstCd>E56 7HY</PstCd> <TwnNm>London</TwnNm> <Ctry>GB</Ctry> </PstlAdr> </Dbtr> <DbtrAcct> <Id> <Othr> <Id>789101</Id> </Othr> </Id> </DbtrAcct> <RmtInf> <Ustrd>CAR INSURANCE PREMIUM</Ustrd> </RmtInf> </DrctDbtTxInf> </PmtInf> </CstmrDrctDbtInitn> </Document>
In response, a positive customer payment status report message (pain.002.001.04) is sent to acknowledge that the message passed validation and was accepted based on the customer profile.
Listing 2. Customer payment status report message
<?xml version="1.0" encoding="UTF-8"?> <?valid true?> <?description Sample CustomerPaymentStatusReport to acknowledge that the message passed validation and was accepted based on the customer profile.?> <Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.04"> <CstmrPmtStsRpt> <GrpHdr> <MsgId>BBBB/120928-PSR/001</MsgId> <CreDtTm>2013-09-28T14:09:00</CreDtTm> <InitgPty> <Nm>Smith</Nm> <PstlAdr> <StrtNm>Virginia Lane</StrtNm> <BldgNb>3</BldgNb> <PstCd>W12 8QT</PstCd> <TwnNm>London</TwnNm> <Ctry>GB</Ctry> </PstlAdr> </InitgPty> <DbtrAgt> <FinInstnId> <BICFI>AAAAUS29</BICFI> </FinInstnId> </DbtrAgt> </GrpHdr> <OrgnlGrpInfAndSts> <OrgnlMsgId>CAVAY1234</OrgnlMsgId> <OrgnlMsgNmId>pain.008.001.03</OrgnlMsgNmId> <OrgnlCreDtTm>2013-09-28T14:07:00</OrgnlCreDtTm> <OrgnlNbOfTxs>1</OrgnlNbOfTxs> <OrgnlCtrlSum>985</OrgnlCtrlSum> <GrpSts>ACCP</GrpSts> </OrgnlGrpInfAndSts> </CstmrPmtStsRpt> </Document>
Depending on the scenario, an initiation request may also be rejected, and this is specified in the response message, which includes additional details and a transaction status of 'Reject.'
All positive and negative scenarios (business flows) are documented in the ISO 20022 payments model.
The above message flow and sample messages describe only the process of receiving and responding to messages sent in an ISO 20022 format. Typically, the message needs to be transformed into an internal system format and mapped to a data model. The process of performing this mapping so that the payment initiation request can be processed is described in the next section.
ISO data mapping
Although ISO messages can be used for message exchanges between the sender and receiver of a message both externally and internally in the financial institutions, it is likely that a mapping from ISO to other message formats or to an internal data store is required at some point. The ability to map different messaging standards is an important aspect of interoperability across the industry. It allows for the seamless execution of a business process by various counterparts with different levels of automation and time-to-market requirements or capacity.
The process for the data mapping exercise maps the source data elements to the target. In this article, we discuss the data mapping process between ISO 20022 payment initiation messages and a sample transactional system data model.
You can use InfoSphere® Data Architect as a tool to help model, relate, and integrate data into a design based on the data mapping for ISO 20022. InfoSphere Data Architect can create logical, physical, and domain models, where elements can be visually represented in standard UML diagrams. It leverages data model value across the data lifecycle. In this article, InfoSphere Data Architect is used as the tool to demonstrate the data mediation and data relationship steps that are part of the overall data mapping exercise.
The high-level steps in the data mapping workflow are:
- Define data mediation between two sources (ISO message and the transactional system data model)
- Run data analysis to identify possible relationships and data types
- Follow-up analysis to identify indirect relationships and re-purpose data attributes for complete data flow
- Define system interface between data source and destination
Data mediation
The first step for the data mapping process is the data mediation stage, where you are mapping from internal data sources in the client's transactional systems to ISO messages. When the data mapping is indirect using a mediating data model, the process is also called data mediation.
During the stage you identify the major data sources. Input data is referred to as data sources, and, typically, comes from a client's main transactional system. The aim is to map the data to the appropriate ISO XML message constructs.
In this article, it is assumed that the relevant data sources already exist and have been identified (including metadata). If there's an existing data warehouse, then the sources will already be known, and the project may not need anything beyond that.
On the other hand, there are scenarios where the data model may need revision. If the data model change is not possible, a data wrapping layer could be considered as an option where the data sources are aggregated into a single layer.
The example in Figure 2 shows data mediation between two entities, where the mediation data model that will facilitate the data mapping between the ISO messages and the transactional system has been identified and modelled. Built in InfoSphere Data Architect, the graphical designer enables users to easily mediate new data sources or to modify existing mediation jobs. In many cases, the creation of a job can be as easy as dragging and dropping existing stages into a connected series.
Figure 2. Data mediation
In this example, the data destination is the Payment Instruction entity, where all key data attributes are defined. A relationship between two entities demonstrates a flow during the data mediation step. Each data set is represented as a single data entity. The ISO Message Document entity contains the XML message header and the XML document payload. The Payment Instruction data entity contains data attributes defined in the transactional system data model that are used for payment processes scoped within the system.
The incoming XML message may contain multiple transactions within the XML payload. This is shown as a '0 or 1 to many' relationship with the Payment Instruction entity. The '0' covers a case when the message validation failed and resulted in no Payment Instruction defined in the incoming XML message.
In the previous example, the entire XML document payload will be stored in the ISO Message Document data entity for audit and validation purposes. The main XML fields from the data source, such as Message Name Identifier, Message Creation Date, and so on, are stored as data attributes for the entity. This facilitates any payment response message, where the attributes need to be sent back to the payment instruction originator. Depending on business requirements, a decision needs to be made which fields should be stored as a single attribute. Examples are message identification, number of transactions, and the group message header.
After the ISO message business rules validation is complete, the transactional system-defined fields are stored in the Payment Instruction entity. As part of the Data Mediation step, you define attributes that will be required to facilitate the payment process for the system. As part of this process, the following items need to be considered: business and functional requirements, local legal regulations for payment transactions, data retention and data compliance rules, transactional system auditing, the transaction response code or status (some data should be sent back to the data source originator as part a response), and so on.
Data relationships
The purpose of this task is to identify the relationships between the mediation data model and the ISO messages.
A relationship level represents a high-level view of data sources or the mediation data model and establishes the foundation from which data mapping will progress. You can use InfoSphere Data Architect to create the high-level view.
Note: Structural variations are variations in type or structure of the data entities. Different types typically have some common but also different additional attributes.
During this stage, the following steps are required:
- Identify data types, including transformation
- Identify variations in structure
- Identify commonality across structural variations
- Identify meta-model based on variations in structure
If the source and destination data types do not match, transformation logic needs to be implemented. This should also include validation rules based on the ISO message schema. Examples could be different string length, pre-defined string values, and so on.
You can use InfoSphere Data Architect to create a data relationship between the ISO 20022 message and the transactional system data model. Figure 3 demonstrates a relationship between pain.008 (direct debit instruction) and ISO Message Document and Payment Instruction attributes.
Note: From InfoSphere Data Architect's perspective, the data model is a centric source to external data entities for data mapping and does not reflect the data flow. In the following examples, the data model is considered to be the data source. However, from the data flow perspective, the data source is the ISO pain.008 message.
Figure 3. Data Mapping (ISO Message Document) for pain.008 message
Figure 4. Data Mapping (Payment Instruction) for pain.008 message
Figure 5 shows how some data fields received as part of an original message can be communicated back to the message originator in the form of the message response or payment processing result (pain.002).
Figure 5. Data Mapping for pain.002 message
Data mapping represents a relationship between fields of the ISO message and the data model. This includes the attribute's type, length, and validation rules.
Table 1 shows data mapping for the pain.008 message and the transactional system data model. InfoSphere Data Architect can produce similar output in a CSV file format.
Table 1. Data mapping for pain.008 message
|ISO path
|XML tag
|ISO data type
|Data entity
|Data attribute
|Data type
|Map the content of the namespace after xsd: to the Message Name (required for response) e.g. pain.008.001.03
|ISO Message Document
|Message Name ID
|ISO Message Document
|Message Identifier
|ISO Message Document
|Message Creation Date
|ISO Message Document
|Number of Transactions
|ISO Message Document
|Initiating Generic Organisation ID
|See note 1 below.
|Payment Instruction
|Payment Type Identifier
|Payment Instruction
|Requested Date
|ISO Message Document
|Creditor Account Identifier
|Payment Instruction
|Creditor Account IBAN
|Payment Instruction
|Creditor Account Branch Identifier
|Payment Instruction
|Instructed Amount
|Payment Instruction
|CstmrDrctDbtInitn/PmtInf/ DrctDbtTxInf/ DbtrAgt
|See note 2 below.
|CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf/ Dbtr
|See note 2 below.
|CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf/ DbtrAcct/Id/Othr/Id
|See note 3 below.
|CstmrDrctDbtInitn/PmtInf/ DrctDbtTxInf/ InstrForCdtrAgt
|Payment Instruction
|Product ID
1. N/A (Mandatory value of 'DD' for pain.008 transactions)
2. N/A (Element required in XML but embedded detail not required)
3. N/A (Element required so Dummy Value expected. Value must be 'GCP Debtor Account')
Table 2 shows the data mapping for the pain.002 message and the transactional system data model.
Table 2. Data Mapping for pain.002 message
|ISO path
|XML tag
|ISO data type
|Data entity
|Data attribute
|Data type
|ISO Message Document
|Transaction Message ID
|ISO Message Document
|Message Creation Date
|ISO Message Document
|Message Identifier
|ISO Message Document
|Message Name ID
|ISO Message Document
|Number of Transactions
|See note below
|See note below
|Payment Instruction Lifecycle Status
|Payment Instruction State Type Id
Note: N/A (ACCP for all successful state transitions, RJCT for all unsuccessful state transitions)
Table 1 and Table 2 demonstrate some key fields and attributes for the purpose of showing the data mapping process. A complete list of XML fields and their presence in the message payload should be validated against the latest version of the ISO 20022 messages.
Following an introduction to ISO 20022 payment messages, this article walked you through the data mapping exercise for ISO payment initiation messages (pain.008 and pain.002). You can use the same method for other types of ISO messages based on the payment type and business requirements.
Any data retention or compliance requirements should be considered during the data mapping exercise. This may impact your data mapping method, as depending on the type of data and the business purpose, it may not be permissible to store some attributes. As an example, if the XML payload contains information that falls under the data compliance regulation, the data in the XML fields cannot be stored as part of the XML payload.
As a result of the ISO message data mapping exercise, we produced a process and rules for the data flow when the transactional system is able to receive and send back the messages defined by the ISO. The message gets translated into the transactional system data model and stored based on the system business rules.
Downloadable resources
Related topics
- Learn more about the accessing ISO 20022 Universal financial industry message scheme.
- Learn more about the ISO Payments Dashboard.
- Learn more about ISO Payments Messages.
- Learn more about InfoSphere Data Architect.


text:
Paul A. Young Whole Bean to Bar Chocolate
The juxtaposition between the salubrious lives of those that purchase fine chocolate from the likes of Paul A. Young and the mere existence of those that are at the genesis of a bar's life is as troubling as it is stark. But within it exists a paradox that just has to change.
Plaudits are given to chocolatiers in abundance. They are renowned, revered and exalted. Forgotten, however, are the bands of people which many don't even know exist. These people, who often can't afford life's bare essentials, are forgotten in the whole chocolate making process.
Chocolatiers the world over acquire couverture: chocolate already made but awaiting the skilled touch of a craftsman to turn it into the chocolate treats we all love. It's far from an easy task I know, but what's infinitely more troublesome is taking unroasted beans from a supplier and turning them into chocolate and then those treats you crave. Those that have a foot in the chocolate making and the chocolatier 'camp' have stepped that direction, known that I know of have moved from the chocolatier to chocolate maker way of doing things. Until Paul A. Young.
Anyone could try and make wonderful chocolate the conventional way. A few do actually succeed in creating something worthwhile. But none, that I am aware of make chocolate in this more wholesome way – with the shell of the bean still on.
When I first entered the world of chocolate I attended an event and was given a roasted bean. The lady gave it to me. I bit in, but to her disgust I hadn't removed the shell. It is this "you're doing it wrong" aspect of the chocolate industry that still irks me today. You'll share a photo of someone making chocolate and you'll get a load of other chocolate makers saying "they're doing it wrong". My response has always been: I don't care how they do it, as long as the chocolate tastes bloody good. In latter years I've appended it with "as long as the growers aren't getting screwed too".
It's this notion of not changing a winning formula that is the most annoying aspect of the chocolate industry. The second most annoying feature are the gimmicks chocolatiers come out with to gain attention and sales. What is so often missing is: doing something because it is simply the right thing to do. Using couverture from large corporations who have lavish offices and large corporate hospitality budgets does little for those growers and farmers earning less than a pint of milk a day. Paul may be acquiring his beans from Menakao (I love them, especially Valerie) is cutting part of that wasted expense out, but this is just a test run, I'm sure Paul will be buying beans direct from growers and producing micro-batch chocolate where even more of the price of the bar goes to support people.
And this is the purpose of the two bars I have before me. It is a test to see if people like us (including Dom who has done a wonderful review) think of the chocolate. The approach is unique however. Paul doesn't use a winnower to remove the husks, he uses a piddly little melanger which any home enthusiast can acquire and invests a great deal of his and his staff's time monitoring it. There's none of full blown, highly scientific approach that I've seen from even Hotel Chocolat's rhudimentary bean to bar "factory" – I thought that was basic until I saw Paul whip out his blender (a posh one though).
Witnessing the chocolate making process from start to almost finish (excluding the tempering, moulding, ageing and packaging) we could witness how so much of the natural flavour of the bean is kept in the chocolate. I'm a huge fan of Menakao's own chocolate but I must say that Paul's chocolate made with the husk is a step change in quality. How Paul can scale his approach and keep the quality high is another thing.
But it's not just about the bloody brilliant 73% chocolate he's made with the beans, nor the 64% which has a softer, sweeter and nuttier flavour that I love – and boy, do I love it! But its the water ganaches his team made with the chocolate – they're so good the EU are most probably already in committee to regulate them.
I want to say its all about the flavour because its just so fantastic. But that is to do Paul's raison d'etre an injustice. He started out on this journey eighteen months or so ago to ensure that not only was excellence part of every chocolate he creates but more financial reward is passed further down the production chain. It's so easy to get lost in the flavour and its understandable that the unusual production processes are at the forefront of your mind as you tuck into the ganaches. But a core feature of this current batch of whole bean to bar chocolate is that it is just the first step of a British chocolatier doing what's right for the custodians of fine cocoa beans.
With that I leave you and tuck into the last of the ganaches.


text:
Gwen Stefani Has No Plans to Go Solo Again
When a group's lead singer has success with solo projects, they typically leave their former bandmates in the rearview mirror (just ask Destiny's Child and 'N Sync about that). But Gwen Stefani is different. After releasing two popular albums, the No Doubt frontwoman could've very easily carried on as a solo act — but she says those days are behind her now.
Taylor Swift Rumored to Be Dating Conor Kennedy
Taylor Swift has a dating history full of some pretty big celebrity names, but her latest rumored beau may very well trump them all: seems the Grammy-magnet has been cozying up with a Kennedy — and robbing the cradle at that.
Walking While Texting Is More Dangerous Than You May Think [VIDEOS]
We all know about the dangers of texting while driving — but what about texting while walking?
Feeling Anxious? Smiling May Eliminate Your Stress
When you're really stressed out, smiling may be the last thing you want to do. But you may want to give it a try anyway.
Could Your Stressful Job Be Aging You?
If you feel older than your years, maybe your job is to blame. New research proves stress at work could actually make your cells age at an accelerated rate.
How Much Are Olympic Medals Actually Worth?
Olympic athletes often train for years in the hopes of someday getting a medal. But while the 4,700 medals currently being doled out in London are priceless to the athletes who win them, the actual value of the raw materials may be less than you think.
Amazing Genealogy Research Reveals President Obama Is Descendant of First African Slave
Family-tree exploration site Ancestry.com revealed on Monday that President Obama's lineage bears an interesting hallmark: he's a descendant of the very first documented African slave. And surprisingly, the connection is on his mother's side.
What Are the Coolest Cities in America?
The definition of "cool" is rather subjective — for some people, they just know it when they see it. But using its own criteria, Forbes combed through dozens of metropolitan areas to come up with its list of America's coolest cities.
And the results might surprise you.
This Day in History for July 31 – First US Patent Issued and More
Here's a look at some interesting events that took place on this day in history:
1009 – Pope Sergius IV becomes the 142nd pope, succeeding Pope John XVIII (More info)
1498 – On his third voyage to the Western Hemisphere, Christopher Columbus becomes the first European to discover the island of Trinidad (More info)
Celebrity Birthdays for July 31 – Wesley Snipes, J. K. Rowling and More
Here's a look at some notable birthdays being celebrated today:
Wesley Snipes
Age: 50
Occupation: Actor, Producer and Inmate
Known For: Playing the title character in the 'Blade' film trilogy, other roles in 'New Jack City,' 'To Wong Foo, Thanks for Everything! Julie Newmar' and 'U.S. Marshals,' and currently serving a three-year sentence for income tax evasion
This Day in History for July 30 – Jimmy Hoffa Vanishes and More
Here's a look at some interesting events that took place on this day in history:
1932 – Walt Disney's 'Flowers and Trees,' the first cartoon short to use Technicolor and the first Oscar-winning cartoon short, premieres (More info)
1945 – The USS Indianapolis is torpedoed by a Japanese submarine and sinks within 15 minutes, killing almost 900 men (More info)
Celebrity Birthdays for July 30 – Arnold Schwarzenegger, Lisa Kudrow and More
Here's a look at some notable birthdays being celebrated today:
Arnold Schwarzenegger
Age: 65
Occupation: Actor, Politician and Philanderer
Known For: Roles in 'Twins,' 'Conan the Barbarian' and the 'Terminator' film franchise, being the 38th governor of California, and torpedoing his marriage to Maria Shriver when he fathered a child with the family housekeeper


text:
Photos have been making the rounds today of Robert De Niro meeting Lil Bub, the Internet cat sensation whose documentary, Lil Bub & Friendz, is currently the talk of De Niro's Tribeca Film Festival. These photos are sort-of funny. Anyway, after Marah emailed one to the staff, I spent about 90 seconds making the above photo of Robert De Niro meeting Grumpy Cat. It's also sort-of funny. Then Josh told me I could justify those 90 seconds as actual "work" if I posted it, so here we are. Great job, Internet. Great job, me.
Submit your Great Job, Internet tips here.