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The role of chemical abnormalities and allergies in schizophrenia and similar illnesses, learning problems, and behavior problems
Neurological Disorders
Sertraline Molecular 3DAbnormalities along this neural route have been associated with ADHD,. or behavior problems in at least two settings. Learning Problems.Medical Problems Related to Psychiatric. there is diffuse brain dysfunction with learning and behavior problems from.
Read current research on psychiatric disorders such as depression, OCD, schizophrenia, panic disorder, bipolar disorder and more.Get information, facts, and pictures about autism at Encyclopedia.com. Make research projects and school reports about autism easy with credible articles from our.
Colloid and Toenail InfectionGeneral Psychology Terms. physiological problems behavior modification - the operant procedures applied to change behavior in accordance with learning.Missing The Diagnosis: The Hidden Medical Causes of. with behavior problems who may. form of schizophrenia.
Human EnvironmentSearch Harvard Health. lead to a range of health problems,. prescribed to patients with a gamut of mental disorders, including schizophrenia,.Scientists believe that mental illnesses result from problems with the. symptoms similar to schizophrenia. other learning, behavior.Some problems such as headaches and muscle tension are often directly caused.If similar symptoms. (2015). The Physical Effects of Long-Term Stress. Psych.
Exercise 25 Observations and Interpretations
Behavior problems and additional diagnoses Learning disorder also.All sleep disorders involve abnormalities in sleep in one of two.
Abstract Art DesignsSchizoaffective disorder is a major psychiatric disorder that is quite similar to schizophrenia. learning disabilities, attentional problems.The body is filled with numerous chemicals of various types, such as hormones, enzymes and neurotransmitters. Chemical.An Introduction for Non-Medical Mental Health Professionals Ronald J Diamond M.D. University of Wisconsin Department of Psychiatry 6001 Research Park Blvd.Participants were screened to ensure that they had no substance problems or. with mental illnesses,. with similar problems working.BASAL GANGLIA PATHOLOGY IN SCHIZOPHRENIA:. basal ganglia plays a key role in arousal, emotion-driven behavior and.A structure in the forebrain that is an important component of the limbic system and plays a central role in emotional learning,. respiratory problems.
Short-term marijuana side effects include memory and learning problems,. memory problems and structural abnormalities. reward-driven behavior.
Human Growth and Development Essay QuestionsA term in ethology referring to a process similar to rapid learning or.
Drinking Alkaline Water Side Effects
The Development of Brain and Behavior. abnormalities of neuronal migration or differentiation might underlie various behavioral disorders,. chemical, and.The Brain and Mental Illness. pathways or circuits in the brain can lead to problems with how the brain processes information.
Cross Taper SertralineThey are thought to play an important role in brain development and behavior,.All depressive illnesses have complex and mixed causes and. mood problems are based less on physical brain.
Zone Therapy ReflexologyEvery moment of our lives, our brains orchestrate a complex symphony of ideas and emotions.
Have difficulty focusing attention on organizing and completing a task or learning.Mental disorders with organic causes The two most important examples of mental disorders caused by organic changes or abnormalities in the brain.Our brains determine how we reason, how we behave, how we feel.The dopamine hypothesis of schizophrenia or the dopamine hypothesis of psychosis.Schizophrenia.


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SpongeBob SquarePants Vol 2 is a DVD made by an unknown Thai company. It was released on November 11, 2006.
- Have You Seen This Snail? (63)
- Dumped (29/30a)
- Gary Takes a Bath (33b)
- The Great Snail Race (55b)
- Welcome to the Chum Bucket (34a)
- Frankendoodle (34b)
- Enemy In-Law (67a)
- Mermaid Man and Barnacle Boy VI: The Motion Picture (67b)
- Patrick SmartPants (68a)

subset: commoncrawl


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- hegemon repugnant white nationalist, white supremacist bereft impanel
say the word
Definition of say the word
: to give an order When you want to leave (just) say the word.
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Seen and Heard
What made you want to look up say the word? Please tell us where you read or heard it (including the quote, if possible).


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«EPUB» - Download Ebook A Crowdfunder's Strategy Guide: Build a Better Business by Building Community Free PDF Online
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- Gold, 750 points or more
Welcome to the Cisco Networking Professionals Ask the Expert conversation. This is an opportunity to get an update on Wireless Control System (WCS) with Cisco expert Pushkar Sambhoos. Pushkar Sambhoos is a customer support engineer in the Cisco Technical Assistance Center. He has been with the Network Management Services team for 3 years and is currently the tech lead, supporting the Cisco Wireless Control System, Cisco Wireless Location Appliance, and Cisco Mobility Services Engine. Sambhoos holds CCIE certification in the Routing and Switching and Service Provider tracks (CCIE # 19532). He holds a bachelors degree in electronics and a master's degree in telecommunications from the University of Colorado.
Remember to use the rating system to let Pushkar know if you have received an adequate response
Pushkar might not be able to answer each question due to the volume expected during this event. Our moderators will post many of the unanswered questions in other discussion forums shortly after the event. This event lasts through April 9, 2010. Visit this forum often to view responses to your questions and the questions of other community members


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Tour de La Porte – August 25, 26 and 27 – Going the Distance for Cancer Care
The Healthcare Foundation of La Porte is proud to present the Tour de La Porte – Tour de La Porte is a bike ride, running and walking event to benefit patients with cancer in our community. 100% of the proceeds raised are used to provide direct support to local patients with cancer. Team WIMS and Team WHFB will be there live on Saturday August 26th from 6a-8a. Show you support for all of the Bikers, Runners and Walkers at this family fun local event!
All events start and finish at Cummings Lodge, 350 Grangemouth Road in Laporte. For more information tourdelaporte.org
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Naltrexone for alcohol-dependent patients
- Citations
- 92 Downloads
Background Clinical trials have shown that naltrexone 50mg/day reduces alcohol consumption and relapse rates in alcohol dependents.
Aim To investigate the efficacy of 50mg/day dose of naltrexone in the maintenance of alcohol-dependent subjects over a 36-week treatment period.
Methods Subjects were randomised into two equal groups, consisting of 116 male alcohol-dependent patients who met the DSM-IV criteria for alcohol dependence and were seeking treatment. The participants received naltrexone or placebo at a dose of 50mg/day and were treated in an outpatient clinic, offering a weekly 0.5-hour individual counselling session. Days retained in treatment were measured.
Results Forty-one participants (35.3%) completed the 36-week study. Completion rates by group were 44.8% for the 50mg naltrexone group and 25.9% for the placebo group (x2=4.56, DF=1, 2-sided significance=0.033).
Conclusion The results support the efficacy and safety of naltrexone for outpatient treatment of alcohol-dependent individuals in Iran.
Unable to display preview. Download preview PDF.
- 1.Robins LN, Regier DA. Psychiatric Disorders in America: the Epidemiologic Catchment Area Study (New York, The Free Press), 1991.Google Scholar
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The Houston Metroplex Chapter was founded in 2001.
- Foster cultural integration in our host country.
- Promote economic, academic and social empowerment among the Bakossi in the Diaspora and Cameroon.
- Promote a networking forum for BACDA-USA members.
- Encourage fraternity amongst the Bakossi through cultural and social interactions as well as with other Cameroonian ethnic groups.
- Impart the spirit of self-pride within the Bakossi community
Chapter Executive
President: Mr. Sone Ekaney
Vice President: Mrs. Rachel Kimason
Secretary General: Mrs. Miranda Hene-Ebwelle
Treasurer: Dr. Irene Ekaney
Cultural Affairs Director: Mr. Nico Ekane Salle
Convention Planning Committee Chair: Mr. Dick Koggerson
For questions about the chapter please email email@example.com
Our meetings are held once a month on the third Saturday of the month at 6pm.
To be listed …
Current Project
No active projects for fiscal year 2016-2017.
Completed Projects
In the fiscal year 2015-2016 the chapter embarked on projects identified by each member from their respective village. Some of the projects include providing new classroom benches, providing school supplies and medical supplies to health clinics. Every members was in charge of improving the village need with the sum of $500.


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Salbutamol Respirator solution 2 mg/mL
Images for reference only. Packaging will vary.
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Sophie Kahn & Danielle Ezzo
Karen Azoulay
Future Artifact
Claire Falkenberg
Molly Welch
Leah DeVun & Riitta Ikonen
Reuben Lorch-Miller
Mary Schwab
Alexander Cheves
Tyler Lafreniere
Bill Durgin
Lien Truong
Bert Bergen
Amelia Bauer
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Reuben Lorch-Miller
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Lauren Davies
Laimah Osman
Laura Splan
Victoria Wagner
Laimah Osman
March 2014
Laimah Osman's new screenprints explore language -- the power of words as well as their shortcomings in describing the human experience. This work is inspired by Buddhism, Persian poetry and Sister Mary Corita Kent. Her artistic production takes the form of prints, ephemeral drawings and artists' books.
View Laimah Osman on Dose Projects
Exhibition Photography by Sasha Charoensub


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Let us know when your receive great advice so we can thank our lawyers and point others with similar questions in the right direction.Got it!
I understand that hiring an attorney is the prudent thing to do, and I probably will end up doing so. I just want to be informed before moving forward. Having said that, if I graduated from a legitimate university with a legitimate I-20 in the US, and then obtained a new I-20 by enrolling in an institution that was later busted as a "sham university" (institutions that give out immigration benefits in the form of I-20), would I be eligible to file a waiver of grounds of inadmissibility? I got married to a USC and my spouse filed for me as an immediate relative. During the interview, the immigration officer asked me to provide the transcripts of that school. That school no longer operates. What are some options at this point?
The fact that you enrolled in a university that was later found to be a "sham university" would not necessarily make you inadmissible. To be inadmissible for fraud or material misrepresentation, you must have engaged in either fraudulent conduct or knowingly made a material misrepresentation. It is unclear from the information provided if you engaged in such conduct. Assuming you could be found inadmissible, you may be eligible for a waiver of inadmissibility if you can establish your spouse would suffer extreme hardship. I strongly encourage you to retain an experienced attorney to assist you with this matter.Ask a similar question
You shouldn't need a waiver unless there are details that you're not sharing. You did enter the country legally?
As far as the school, do your best to comply with the officer's request and so consult with an attorney.
The information offered is general in nature and not meant to be relied upon as legal advice. Please consult an attorney prior to making legal decisions. Visit us at www.tunitskylaw.com. Contact us at 713.335.5505 or email at firstname.lastname@example.com. Veronica Tunitsky offers in-person, as well as telephone and email consultations.Ask a similar question
If ou entered the country illegally, you would not need a waiver. However, you really should consult with an immigration lawyer who can assist you in procuring your green card. You will have to address these issues but a waiver may not be required.Ask a similar question
I plan on consulting with an immigration attorney soon. I should have specified that I did come into the country legally. Would that change anything regarding waiver? Thanks for your answer!
A consultation is the best way for someone to advise you accurately. Without getting all the facts of a case, a response is only general in nature. If you do not have any other issues, you may not need a waiver.
I see. Thank you for your response.
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text:
Check out my photography on Flickr
About Me
Check out my photography on Flickr
67 comments:
Interesting reading about you! A neat enveloped post highlighting your carrier, as well as passion for writing and photography.ReplyDelete
My best wishes Renuka :)Replies
Thank you So much!Delete
Hi, Nice to know about u Renuka. Interesting :-)ReplyDeleteReplies
Thanks Bhawna :)Delete
Intresting to read bou u !!!ReplyDeleteReplies
Thanks Ritika :) Feel free to follow my blog!Delete
so cute both of u and ur travel diary. :-)ReplyDelete
Really awesome,i read your full bio story with fully intrest,ReplyDelete
god bless you
Thanks Senthil and Varun!ReplyDelete
Hiee Renuka,ReplyDelete
it makes u feel so gud when u meet a person thru his writings though u met him personally.
ur words speak for u !!!! all d best dr!!! Keep Writing!!!!Replies
Thanks Kirti!Delete
Today is the first time I come to your blog. And am so glad to be here .. keep traveling, stay safe and write more :)ReplyDeleteReplies
Thanks so much, Puru :) Welcome to my blog!Delete
Your writing always amuses me and it is great to read your blogs...about you...i think i know much more than you have stated here...and finally I am around as a regular follower!!ReplyDelete
All the best darling!! :)Replies
Thanks so much, Tashu :) I'm glad you like to spend some of your precious time on my blog! It means a lot to me.Delete
- Anonymous4 January 2014 at 05:21
Do you make a living writing blogs or is it just a passtime?ReplyDeleteReplies
I'd appreciate 'Anonymous' that you comment with your real identity. Blogging has become a passion now. I intend to make a living out of it eventually. Thanks.Delete
If only you were on wordpress, it would have been easier for W-dwellers like me to "follow" you well :(ReplyDelete
Intriguing introduction, I must say.
I am taking baby steps in photography myself, without a camera that is :) There is so much I could learn from you.
Good luck !Replies
Thanks! Welcome to my blog! Well, you can follow me on Facebook. :)Delete
Hi Renuka nice to knw about u its kinda boosting confidence to travel alone.ReplyDeleteReplies
Glad to know that, Raghu! Welcome to my blog! :)Delete
Just encountered your blog. I think I will enjoy.ReplyDeleteReplies
Glad to have you on my blog! Welcome!Delete
As a Girl You are doing fantastic work that you loved so much.I am impressed with your passion.I like your attitude and style.I pray for you that you will achieve all that you wish for..Bravo..!!ReplyDeleteReplies
Thanks for your kind and encouraging words, Jigar. :) Welcome to my blog!Delete
Thanks for commenting on my blog post Renuka.....made me come back to check yours.....or else i would have really missed on something this amazing.... :)ReplyDeleteReplies
Thanks Saumya! So nice to have you on my blog. :)Delete
Very interesting... must say a go-getter attitude with lots of passionReplyDeleteReplies
Thanks Ajay, so much! :) Welcome to my blog!Delete
i was searching about solo travellers in India and i found ur blog.... and frankly Renuka i am fully inspired of travelling alone after reading ur blog... i will also write about my travelling experiences in near future... thanks for a well organised blogReplyDeleteReplies
hi.Ms.Renuka...i was just searching for something about Cochin backwater..very surprised to see your blog..really its amazing and helpful...and also i saw one of my photo..thank u very much...Shajas(Tour Guide,Cochin)ReplyDeleteReplies
Welcome to my blog! :)Delete
Hi Renuka,ReplyDelete
Thank you for stopping by!! Your blog is very nice :)
Nice blog...I hope you also travel to Uttrakhand asap..ReplyDeleteReplies
Thank you! Sure, I will.Delete
Hi Renuka,ReplyDelete
Beautiful blog on India with stunning photos. We spent 15 months in India but still didn't see everything. It is an amazing country, overwhelming at times, but absolutely rewarding. I noticed you just left a comment on our blog ContemporaryNomad where we reported on a trek in the Peruvian Andes. You said: "I'm yet to experience something like that." You absolutely can, as Northern India looks very similar to the Andean landscapes we have seen here. Ladakh and Zanskar are amazing places to which I could go back over and over again - and they are right in front of your door... Happy travels! :)Replies
Thanks for visiting my blog! :) I'm so glad that you explored India so extensively! It is indeed a rewarding country. Yup, I'm aware of Ladakh and Zanskar, but I am yet to experience such remote places. I'm trying my best to explore India as much as possible.Delete
Wonderful blog! I was googling for information on Sikkim when I accidentally found your blow. In fact, I have been following lot of bloggers since last 1 year but some how missed your blog. I read all you writings on Sikkim at one go. Keep up the good work!!!ReplyDeleteReplies
Welcome! Thanks so much for your visit! :)Delete
- yogesh3 November 2014 at 04:16
a true inspiration ,felt so nice after reading ur blog :)ReplyDeleteReplies
Thanks Yogesh! Welcome to the blog! :)Delete
Came across your blog today, bookmarking it!ReplyDeleteReplies
Thanks Reena! You're welcome. :-)Delete
While I used to follow your posts and pics posted on fb, this is the first time I had visited your blog and I must say your blogs are well articulated thoughts of yours and your travel experiences and being a extensive traveler myself having traveled 18 countries I could relate to every bit of your experiences and thoroughly enjoyed reading through your blogs. I'm sure you have a great future as a writer and wish you all the success in your writing career.ReplyDelete
Thanks so much, Harinath! :-) Welcome to my blog!Delete
Hi Renuka, i have been a regular follower of your blog for a long time, and your posts, experiences and wonderful clicks have always left me inspired and wanting for more. I have nominated you for the Very Inspiring Blogger Award. Keep up the great work. Safe travels. http://wanderingjatin.wordpress.com/2014/12/21/inspiring-blogger-award/ReplyDeleteReplies
Thanks so much! :-)Delete
Hi Renuka, I have nominated you for 'Very Inspirational Blogger Award' - http://footlooseforever.com/2014/12/31/very-inspiring-blogger-award-my-inspiration/. I can see that Jatin has already nominated you for the same. :) When I think of starting solo traveling who could inspire me more than you. Thank you so much. Keep traveling and keep inspiring.ReplyDelete
It will be ' Very Inspiring Blogger Award'. Sorry for the mistake.ReplyDeleteReplies
That's alright! :-) And thanks so much for nominating me!Delete
Really interesting blog. Have a wonderful writing journey ahead.ReplyDeleteReplies
Thanks so much, Reji :-)Delete
interesting profile!ReplyDeleteReplies
Thanks Ankita!Delete
I can only envy!ReplyDeleteReplies
Or you could follow your own dream! :-)Delete
This comment has been removed by the author.ReplyDeleteReplies
You didn't say anything about your academic background. I think you should include it in all comments you leave online. Why would anyone care about anything you have to say if they do not know your credentials? Speaking of which, leaving rude comments is nothing special and new. It is not so important to leave negative comments on people's blogs that they've put lots of effort into. In fact it's incredibly childish, the kind of bullying that goes on in the schoolyard. There are lots of lovely things you could say about Renuka's blog and about travel, which could make you feel happy and brighten Renuka's and other readers' day as well. Be practical and try to do this next time you feel the need to comment. Without apologies, I don't think anyone appreciates your input (after all, we don't know what university you went to!)Delete
Hey Renuka, I stop by and read your blog pretty regularly and I really enjoy reading your travel stories and philosophies on travel. Backpacking in India is something I really want to do in my lifetime, and I find your local and personal perspective as a solo female traveller very interesting. Like you, I also love travel and I love to write about it. Keep up the GREAT work, it is very much appreciated!ReplyDeleteReplies
Thanks Bonny! :-) I'd love to meet you some day when you visit India. I hope that happens soon!Delete
Hi Renuka,Delete
This is first time I am on your site and I find your posts really interesting.
I loved your story and will love to come back to your site from time to time to know your latest adventure and travels.
Keep up the good work.
Thanks so much, Tazz! Welcome to my blog!Delete
Hi Renuka,ReplyDelete
I read your story it's really nice. I am a tour operator if u want we can start some good project in tourism.
you keep it up this is very helpful for tourist.
Thanks / Debasis.
Wonderful Blog Renuka. I hope you travel much more and have lots of fun. Wish you all the best and luck. See you :)ReplyDelete


text: Friday Shout Out: More like a Friday WTF By Erin February 25, 2011 It's a sign the Four Horsemen are clip-clopping our way: Breast Milk Ice Cream. I have no words for this. Hope everyone has a wonderful weekend! Share Get link Facebook Twitter Pinterest Google+ Email Labels Dairy Friday Shout Out Ice Cream Labels: Dairy Friday Shout Out Ice Cream Share Get link Facebook Twitter Pinterest Google+ Email Comments ShelbyFebruary 25, 2011 at 5:24 PMEWWWWW. that's my word for this. I liked the NYC post better. :)ReplyDeletePeaches N CurryFebruary 26, 2011 at 4:52 PMWow - literally speechless.Just...wow.WTF indeed.-BethReplyDeleteAdd commentLoad more... Post a Comment


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Monthly Archives: August 2016
Accessible Dispatch Driver of the Week: Meet Edner!
Meet Edner!
Edner, from Queens, never planned on being an NYC taxi driver. In fact the Detroit native, who moved to New York as a child, had his first career in hospital work and thought that his stint in the transportation industry would be short lived.
"I enjoyed my hospital job, but the hours made it hard," he says. "I needed something with more flexibility, so I decided to try out driving part time. But it turned into a full-time career."
Edner's jump into a new work lane was unplanned, but once he'd settled in behind the wheel he learned some surprising lessons.…
Accessible Dispatch Driver of the Week: Meet Suresh!
For Suresh, a Brooklynite and the Accessible Dispatch Driver of the Week, being the best at his job means knowing the ins and outs of the community he serves.
"I get to see New York City and meet different people," Suresh says. "I tell them all the good areas to visit, the areas that are not normally in a tour book. I give passengers different ideas and good attractions. That's why I enjoy being a driver."
Suresh was a service representative before he made a big career leap, and he's never regretted it.…
Accessible Dispatch Driver of the Week: Meet Brunet!
For Brunet, our Accessible Dispatch Driver of the Week, driving taxis was a career that he never intended but fell into. He was once part of the management team for a popular retail store in the 90s. Because of the economy, one by one, the stores began to shut down. Before long, all of the stores were closed.
Determined to remain in the Big Apple and knowing that he'd soon be out of a job, Brunet began to drive a cab part-time for some income while he looked for a full-time position.…
Accessible Dispatch Driver of the Week: Meet Riddy!
Growing up in Long Island, New York, Riddy, our Accessible Dispatch Driver of the Week, remembers playing in the backyard with his entire family, cooking and chatting at the coffee table. He was part of a small neighborhood – the kind where everyone knew everyone.
This small town atmosphere is something that still resonates deeply with Riddy. Before driving a cab, he worked at a telephone company for customer service. Riddy wasn't a big fan of corporate life – he spent most of his time in the office working hard to save up enough money to open a small fruit market.…


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Fire Safety For Retailers: Audit, Servicing & Maintaining Retail Fire Systems
Everything happens faster these days, and retailers need to be conscious of keep up with changing demands and consumer trends. Maintaining a fresh store keeping customers engaged whilst showcasing their brand helps to keep one step ahead of competition.
It's simply a way gaining the emotional connection between shoppers and brands.
Retail shops, whether developed as standalone properties or leased shop fronts within mixed use centres, the owners of shops, hotels, malls and office buildings must protect customers, staff from the threat & harm of fire.
To ensure the protection is maintained at a high level, emergency prevention measures and early warning fire detection for retail properties can protect high value stock & equipment from loss or significant damage and prevent un-necessary evacuation of premise and loss of business earnings.
As shop owners look to make changes to shop layouts, it's important to understand the possible impacts this might have on exit pathways and location of water mist sprinkler systems.
Other considerations might be storage and how this could possibly provide further hazards to fire prevention.
There are constant fire safety challenges in relation to preventative actions of fire safety protection systems.
For instance, where layout changes have occurred, it would most likely require water mist sprinkler heads to be relocated.
For large shopping centres, the risk of fire is still prevalent.
The potential for devastating loss of business would be costly for retailers.
Four people treated after Sydney Westfield fire.
As reported by the Daily Telegraph, Four people have been treated for minor smoke inhalation after a fire broke out in a stairwell at the Westfield in Parramatta, resulting in hundreds of shoppers being evacuated from the mall.
Fire authorites were allerted to an automatic alarm with smoke seen on two levels, sources suggest.
Fire and Rescue later said in a tweet the fire had already been extinguished by staff members before firefighters arrived.
Shoppers were able to return about an hour later once the area was ventilated and the smoke cleared.
So what seems to be a relatively small fire has cost retailers an hour of consumer trading. The take awy though was the early smoke warning detection that alleretd authoites to the impending dangers.
Therefore it is critical that routine preventative maintenance of smoke detection systems and fire protection equipment is carried out on-time, regularly and thoroughly. By way of audits & inspections, these actions help to ensure the systems will perform as intended in the event of a fire.
LPG Fire Safety For Retailers Audit & Maintenance Programs
LPG Fire enables retailers to be proactive with their compliance policies and code of practice ensuring standardised methodologies are established, and proactive identification of fire safety risks
LPG Fire Safety Audit & Maintenance Programs enables retailers to manage key fire protection control areas including document systems such as policies, procedures and record-keeping related to retail shop fire safety; providing awareness among retail workers on fire safety policies; shop evacuation plans and procedures; fire protection equipment; and correct handling of flammables existing within the premises.
Benefits include:
• Develop standardised methodologies, plans, checklists and evaluation parameters for audits.
• Proactively identify fire risks
• Enhance audit efficiency with reporting and analytics
• Mitigate fire risks with quick and prompt corrective and preventive actions from audit results, which enable an improvement to current auditing practices.
LPG Fire is ready to support your fire safety, service and maintenance program. Retail stores can make requests about our fire protection programs and workshop testing facilities 24 hours a day.
Ready for complete fire protection for your Retail Store?
Contact LPG Fire today!
Water Mist System Working Principle
Functioning Principles of a Water Mist Fire Protection System
These little water beads (fog) quickly absorb the energy (heat) existing in the environment and vaporize, ending up being water vapor (gas). The energy (warmth) made use of to change the water to a gas is eliminated from the setting, hence the air is cooled down.
Mist Water Cooling works by forcibly pushing water via our specifically developed misting nozzles; this produces a mist (haze) of ultra fine water droplets with a typical size of 25 microns or less. With high pressure mist cooling you will obtain an even smaller droplet dimension, just 5 microns.
If we were to take marine vessels as an instance, engine room fires represent a hazard for team members functioning onboard ships & ferry's as well as heavy monetary loss for the ship owners or operators. Examinations expose that aroiund 56% of all engine room fires were triggered by the combination of oil leak onto a warm surface area. Elimination of warm surfaces and also appropriate installation of couplings and tubes in fuel oil system has actually reduced the danger of fire substantially. In case of an engine room fire, a local water mist fire protection or extinguishing system can be utilized to prevent the acceleration of fire as well as keep the temperature levels reduced.
Key Equipment Conponents
System Components
1. Key Control board
2. Water Pump (For High Pressure Application).
3. Fire Detectors (Detects Fire in Specific Area).
4. Solenoid Valve (One For every Specified Location.
5. Water Nozzles (Creates Water Mist).
How does A Water Mist System operate?
The water mist fire fighting system includes 2 detectors positioned over the area to be secured (such as primary engine, auxiliary engines, burner, auxiliary central heating boiler, purifiers, and so on). Of these 2 detectors, one is a smoke as well as the other is a fire detector.
In the event just one detector is turned on in a protected area, it offers an emergency alarm as a pre caution. In instances where both the detectors are triggered, the details are transmitted to the main control board of the water mist fire control system and it then begins the water pump, and opens the solenoid shutoff to the protected area. Water at high pressure (around 10 bar at the nozzle) is pumped through specially design pipework to each water mist nozzles and creates a fine mist which is enveloped over the protected area. Water mist is released until all signs of smoke or fire has been eliminated.
Incase of instances where an automatic system start-up does not function or the detection systems has not yet triggered, a Manual Procedure is generally operated through the Manual Start button on the local or push-button control panel for the specific location, which will immediately start the pump and also trigger the solenoid valve for that specific area.
Particular Area on Marine Vessels that utilise water mist systems will include:.
– Burner space.
– Auxillary boiler systems.
– Purifier areas.
– Auxiliary generators.
– Inert gas generator spaces.
– Main engine cylinder head spaces
– Steering equipment rooms.
Source: http://marineengineeringonline.com/
The image below depicts exactly how the Water Mist System Concept Functions;
For reliable operation of any kind of Water Mist Fire Security Equipments, the adhering to guidelines ought to be kept:.
– Power supply needs to be available.
– The location around the active water mist water pump must be clear of any kind of obstructions.
– Enough water level must be retained in the marked fresh water tanks.
– Drainpipes and maintenance shutoffs have to be closed as well as well labelled.
– The emergency alarm system needs to be in operation.
– A clear operation process for manual and auto operations should be documented and be displayed.
Source http://marinestudy.net/
LPG Fire Australia has designed, developed and also supplied water mist fire protection systems, both low and also high pressure into Australia for Atriums, Information Centres, Heritage Structures, Diesel Generators, Oil Transformers, FPSO, and also Vessels.
Our High Pressure AQUAFOG as well as Low Pressure VID Fire-Kill allows us to supply a system suitable for your application.
To find out more, see our Water Mist Product page http://lpgfire.com.au/products/high-pressure-watermist
Kitchen Hood Suppression System Inspection & Maintenance
Helpful guidelines for maintaining & inspecting kitchen hood fire suppression systems
As restaurant owners much of your responsibility is to make the restaurant comfortable, inviting and an all round great place to be.
Nothing could be worse than the outbreak of a sudden dangerous fire. Fire threatens lives, destroys property and brings fear to what should be a safe haven.
Maintaining a safe restaurant kitchen is paramount not only for your employees, but for all other occupants of the premise.
Restaurant fire suppression systems are engineered to include the most advanced technology and are manufactured with the highest quality materials however they cannot provide optimal protection without your involvement in the maintenance of your system.
What is your responsibility?
As owners, you are responsible for maintaining your fire suppression system and making sure that it is working at its peak and learning what help is available what so you can ensure that your system continues to provide protection.
The following is as summary of what you as the owner must have completed on at least a monthly basis to help ensure proper operation and efficient functioning of your ANSUL fire suppression system.
It's important to note though the process of inspecting and maintaining fire suppression systems should be outsourced to experts in this field.
Monthly Pre-operational Inspections & Guidelines
By way of a pre inspection, make sure that all inspection seals are attached, be certain not to allow obstructions to block access to the manual pull station, check to see that it has not been tampered with and is ready for operation.
Verify that the maintenance tags supplied by the certified distributor are in place.
Look for any obvious damage that might prevent proper operation.
Make certain that your hood is clean and in good condition.
Take careful attention to discharge nozzles and gas flues.
Make daily examinations looking for loose pipes and missing or grease covered nozzle gaps.
Make sure nozzle caps are in place.
Place over the ends of each nozzle if you determine that the caps are damaged or missing, immediately contact your authorized distributor for a replacement.
Periodically you should check the visual indicator on the system release, to be certain the system is cocked.
Visually inspect pressure gauges on your hand portable extinguishers.
When cleaning your cooking equipment never use flammable solvents or cleaners. these can leave dangerous flammable residues that can lead to fires in the kitchen.
Do not store flammable materials near your cooking equipment or near gas flues.
Be sure your hood-cleaning vendors never use high alkaline cleaners or otherwise corrosive cleaning solutions on the fusible links or cables.
While cleaning your filters in the hood, check to see that there is no corrosion on any of the components of the detection systems.
Keep pots, pans utensils and cooking materials in locations where they will not block the spray from the fire suppression discharge nozzles inhibiting the effectiveness of the spray pattern.
To prevent excessive heat buildup, which will activate the system, be sure to operate your exhaust system whenever you are free heating, heating, cooling or cooking.
Do not operate equipment without the filters in place, this can cause excessive grease build up in the hood and duct systems.
Cooking with filters removed can affect air movement and temperatures resulting in unwanted fire suppression system activation
Before you make changes to your layout, which may affect the basic configuration of the protected area, contact your authorised ANSUL distributor to give you a system update evaluation.
What should you do if you require maintenance on your systems?
Only a trained and authorised ANSUL distributor should perform maintenance on the system, to ensure that your installation is maintained properly and that there has been no change in hazards
All detectors will be examined as well as expelling gas and agent containers, piping, releasing devices, nozzles, hose assemblies, signals and all non pressurized white chemical containers.
An authorised ANSUL distributor on a semiannual basis should perform the following inspection:
The service technician will check the weight & seal of each cartridge.
He will check agent level and color in each tank.
Metal fusible links must be replaced on a semiannual basis or more frequently if necessary.
Should these links deteriorate they could cause the system to malfunction or actuate accidentally.
The technician will check their release mechanism to ensure that it is not been tampered with and that all functions on the release operate properly
The mechanical bull station will be operated to ensure that it trips the system.
The technician will verify proper operation of the mechanical or electrical gas valve.
The technician will ensure that the distribution piping is properly secured, quick seals are in place and nozzles are correct for the hazard they are protecting
Where inspection reveals defective parts that may cause failure of the system, the affected parts must be replaced or repaired.
The rubber blow off caps are checked for brittleness and are replaced annually
Metal blow off caps or check to be sure that they turn freely on the nozzle and are replaced if there is any damage.
The technician will attach a tag or label verifying the date of the inspection and identify who performed the inspection
It is the responsibility of the owner to maintain the records of the inspections.
Once a year in addition to performing all the steps necessary for semiannual maintenance, your ANSUL distributor will perform the following annual maintenance procedures.
First they will disconnect the agent discharge piping from the storage tank outlets and verify the agent distribution piping is not obstructed
If nozzles show signs of cooking grease migration into the orifice of the nozzle or if there is evidence of agent residue in the nozzle or the inlet to the agent distribution piping, some or all of the piping may be dismantled to verify that the piping is not obstructed.
They will also blow dry air or nitrogen through the agent distribution piping verifying that the dry air or nitrogen is discharging at each nozzle location
Finally they will replace all rubber nozzle blow off caps in
In addition to performing all the steps necessary for semiannual and annual maintenance, the following maintenance procedures will be performed every twelve years
Your distributor technicians will hydrostatic lead test the stainless steel liquid agent tanks and refill them with a fresh charge of low PH liquid fire suppressant.
Each quarter inch gas hose assembly will be hydrostatically tested, the date stamped on the cartridge will be verified, the cartridge must be hydro tested at least every twelve years
If the system contains an agent distribution hose, a hydrostatic test for the hose assembly is performed. The regulator must also be flow tested at least every twelve years.
Complying with maintenance schedules will ensure that your ANSUL fire suppression system will provide reliable fire suppression when it's called upon.
Of course as an owner it is important that you make sure employees are trained in proper procedures in case of a fire.
Post the operating instructions in a prominent place so that in an emergency your employees will know what to do.
Always make certain that hand portable fire extinguishers are properly placed and compatible with your restaurant system.
Follow common sense and these guidelines in the event of a fire.
What should you do in the event of a kitchen fire?
Evacuate others from the premises.
If automatic actuation has not yet taken place, operate the system manually by pulling the ring straight out from the manual pull station with enough force to actuate the fire suppression system
Call emergency services.
Stand by with a chemical hand portable fire extinguisher.
Do not attempt to extinguish a grease fire with a hand portable fire extinguisher before the fire suppression system has been manually or automatically actuated.
By actuating this system the fuel source to the appliance will shut down.
With proper maintenance and a few simple precautions your ANSUL system will be armed and ready to suppress fire in your restaurant cooking equipment.
If you have any further questions please feel free to contact LPG Fire. As authorised ANSUL distributors, we can evaluate your restaurant kitchen and provide advice & solutions to maximise the safety of your staff and customers.


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Chicago Tribune
Future of TV sports: Pay up or be blacked out
Chicago Tribune
Sports TV networks are already the most expensive on the cable and satellite menus. And if teams such as the Cubs go through with plans to create their own networks, fans will have to pay even more — or be blacked out from the majority of televised games.
Source: sports – Google News
Sharing information is key – Sports Company Business News UK. Social Commerce and Social Media Management playing a big part. Suaju Ltd


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Women's Sacral Chakra Aromatheraphy Necklace
02 – Sacral Chakra – Authentic Creation/Creator/Soul/Fire/Sexuality
"I am authentically creating a life free of stress and full of bliss"
Main stone is Carnelian
This exquisite 2nd sacral chakra aromatheraphy necklace has a faith, hope, love theme with Swarovski crystals, Carnelian, Aventurine, and Red Sponge Coral Gemstones. The necklace is on a 30" stainless steel chain and all other alloys are nickel free, cadmium, and lead-free.
Carnelian Gives courage, promotes positive life choices, dispels apathy, and motives for success
Aventurine - stabilizes one's state of mind, stimulates perception, and enhances creativity
Red Sponge Coral - it encourages a spiritual energy conducive to awakening one's talents and perceptions of the environment, and for extending love in return for love
When Kim started Pure Life she based it on the traits that got her through her cancer journey, her career, and her life in general. Kim has always believed that as long as she had Hope, Faith and Love, she could get through anything. doTERRA brings Faith, hope and love to so many, how fitting was it that a jewelry line be developed.
Each piece of jewelry has either a stone, gem or jewel that represents Faith, hope and love. Each piece is tied to a Chakra to help with energy within the body and you can add your favorite doterra scent. In finding the jeweler to create this series, it was also important that the creator, created each piece with intent, and love.


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How was your Thanksgiving Day? Mine was filling. We went to my cousins house and Suzie hooked it up! Dude I cant even beleive how much we ate. . . You will see pictures . . . I totally forgot to do the Thankful thing but I will be doing something come December that is similar to that . . .Here are some of the pictures of the food:
This cake was BANGING!!!
Tulumba & Baklava gotta keep it traditional and for the American version of us CUPCAKES
and as if this wasnt enough food . . .
This is called Pite . . . Every Albanian kid grows up on this . . . we actually die for it!
Looking at this picture right now I want to eat it . . .
It is the first food our mothers in hopes of marrying us to a good Albanian Man teaches us how to make . . . IT IS JUST YUMMY! and very very fattening but come on these are the holidays!
Now for my outfit!
vest (forever21),dress (old), boots (joyce leslie), bag (justfab.com), glasses(charlotte russe)
This outfit was comfortable so I could be in FAT GIRL MODE but still being very ME!
love you guys


text: History/Story consist of many elements. Faction Ogrest Wakfu:About Retrieved from "http://wakfu.wikia.com/wiki/History/Story?oldid=71579" Ad blocker interference detected! Wikia is a free-to-use site that makes money from advertising. We have a modified experience for viewers using ad blockers Wikia is not accessible if you've made further modifications. Remove the custom ad blocker rule(s) and the page will load as expected. Categories: Geography


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My Application Form StatusCheck the status of your application form with Angel Broking.
My Application Form StatusCheck the status of your application form with Angel Broking.
Dr. Mahesh Sharma,Minister of State (Independent Charge) for Tourism and Culture, launched the initiative of the Ministry of Tourism, Government of India for providing pre-loaded Sim Card to foreign tourists arriving in India on e-Visa here today. Addressing on the occasion, he said that this unique initiative will facilitate the foreign tourists in communicating with their acquaintances immediately after their arrival in India. Earlier, the Ministry of Tourism had also launched a 24 x 7 Tourist Helpline 1800111363 in Twelve foreign languages so that the foreign tourists can get the required information in their own language. The Minister presented the First Kit containing Sim to a representative of Travel and Tourism sector.
This initiative has been launched in association with Bharat Sanchar Nigam, (BSNL), wherein BSNL would distribute pre-loaded SIM Cards to foreign tourists arriving in India on e-Visa. This facility will be initially available in the Indira Gandhi International Airport (T3 Terminal), New Delhi and later cover remaining 15 international airports, where e-Visa facility is currently available.
To avail pre-loaded Sim Card, BSNL will collect e-Visa copy and the first page of passport from foreign tourists on arrival at the airport. This facility is only available for tourists arriving in India on e-Visa. Sim cards will be pre-loaded with a value of Rs. 50 talk time and 50 MB data and will be activated on immediate basis so as to enable them use this facility instantly. This initiative is also aimed at providing connectivity to foreign touriststo enable them to stay in touch with their near and dear ones and also help them to contact with the 24x7 Multi lingual toll free helpline of Ministry of Tourism for any assistance and guidance during times of distress / medical emergency, etc.
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In consultation with the States, it was decided to procure 330.00 lakh MT of wheat during RMS 2017-18, which is considerably more in comparison with the last season actual procurement of 229.61 lakh MT.
The State-wise break-up of the estimate of wheat procurement during RMS 2017-18 is as follows:n++Sl. No.StateEstimate for Wheat Procurement (lakh MT)
n++1.Punjab115.002.Haryana75.003.Madhya Pradesh85.004.Uttar Pradesh30.005.Rajasthan17.506.Bihar5.007.Uttarakhand1.508.Gujarat0.509.Other States0.50n++n++n++n++n++n++n++n++n++n++n++n++n++n++n++n++n++n++ Total330.00
In the Conference, the estimate for procurement of paddy grown in Rabi/ Winter/ Summer crop of Kharif Marketing Season 2016-17 for various States were also done in terms of rice. The estimate is 50 lakh MT with State-wise break-up given below. This estimate is over and above the estimate of 330 lakh MT set for Kharif crop of paddy for KMS 2016-17, for which the procurement operations are going on and the paddy procurement in KMS 2016-17 in terms of rice has already reached to the level of 292.31 lakh MT as reported on 15.02.2017, which is nearly 28 lakh MT higher than the procurement of 264.53lakh MT by the corresponding date in previous year, i.e., KMS 2015-16.n++n++n++n++
n++Estimate for paddy procurement in terms of Rice for winter/ summer Crop in KMS 2016-17:-n++Sl. No.StateEstimate for Paddy Procurement in terms of Rice (lakh MT)
n++1.Andhra Pradesh13.002.Telangana15.003.Odisha7.004.Tamil Nadu5.005.Kerala1.006.West Bengal8.007.Assam0.258.Maharashtra0.75n++n++n++n++n++n++n++n++n++n++n++n++n++n++n++n++n++n++n++ Total50.00
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With a view to take inspection of electrical over head equipment to a more modern level for ensuring safe rail operation, Indian Railways has decided to introduce 8 Wheeled Diesel Electric Over Head Equipment (OHE) inspection and maintenance Car on Railway Network. With the introduction of these OHE maintenance and inspection cars, the reliability and safety of OHE equipment on Indian Railway will be increased.
Research Design Standard Organisation (RDSO), the research arm of Ministry of Railways has already finalized the specifications for the prototype of these cars. Under the first phase, Indian Railways will be procuring 45 nos. 8-Wheeler OHE Inspection & Maintenance Cars for operation on Broad Gauge electrified routes on 25kV AC.
The Ministry of Railway has already placed contract with two firms namely M/s Bharat Earth Movers Limited, Bangalore and M/s Phooltas Transrail Limited, Patna for submitting designs.
This inspection car is a self-propelled vehicle and is used not only for periodical inspection, patrolling and maintenance of traction overhead equipment (OHE) but also used for attending to sites of breakdown, restoration and damaged OHE. These are specially used during night for electric current collection tests in order to ascertain the safe contact between pantograph of electric locomotive and contact wire of the OHE. The 8-W Inspection & Maintenance OHE Car uses the power generated by the diesel alternator set provided in the OHE car for propulsion. It has maximum operating speed of 110km/hour.
The Diesel Electric type OHE cars are being procured as per latest specification of Research Design Standard Organisation (RDSO) for which design is to be done by firms, and finally approved by RDSO. The design of these vehicles is likely to be approved by RDSO by March 2017 and prototype shall be approved by November 2017. Thereafter supplies of these OHE cars will start from February 2018 and is likely to be completed by June 2019, In Phase - II another tender for 53 nos. of such vehicles (8-W DETC) is also under finalisation and the contract shall be awarded soon.
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As per 2nd Advance Estimates, the estimated production of major crops during 2016-17 is as under:
Foodgrains - 271.98 million tonnes (record)
n++ Rice - 108.86 million tonnes (record)
n++ Wheat - 96.64 million tonnes (record)
n++ Coarse Cereals - 44.34 million tonnes (record)
n++ Maize - 26.15 million tonnes (record)
n++ Pulses - 22.14 million tonnes (record)
n++ Gram - 9.12 million tonnes
n++ Tur - 4.23 million tonnes (record)
n++ Urad - 2.89 million tonnes (record)
Oilseeds - 33.60 million tonnes (record)
n++ Soyabean - 14.13 million tonnes
n++ Groundnut - 8.47 million tonnes
n++ Castorseed - 1.74 million tonnes
Cotton - 32.51 million bales (of 170 kg each)
Sugarcane - 309.98 million tonnes
As a result of very good rainfall during monsoon 2016 and various policy initiatives taken by the Government, the country has witnessed record foodgrain production in the current year. As per Second Advance Estimates for 2016-17, total Foodgrain production in the country is estimated at 271.98 million tonnes which is higher by 6.94 million tonnes than the previous record production of Foodgrain of 265.04 million tonnes achieved during 2013-14. The current years production is also higher by 14.97 million tonnes than the previous five years (2011-12 to 2015-16) average production of Foodgrains. The current years production is significantly higher by 20.41 million tonnes than the last years foodgrain production.
Total production of Rice is estimated at record 108.86 million tonnes which is also a new record. This years Rice production is higher by 2.21 million tonnes than previous record production of 106.65 million tonnes achieved during 2013-14. It is also higher by 3.44 million tonnes than the five years average Rice production of 105.42 million tonnes. Production of rice has increased significantly by 4.45 million tonnes than the production of 104.41 million tonnes during 2015-16.
Production of Wheat, estimated at 96.64 million tonnes is also a record. This years wheat production is higher than the previous record production of 95.85 million tonnes achieved during 2013-14. Production of Wheat during 2016-17 is also higher by 4.03 million tonnes than the average wheat production. The current years production is higher by 4.36 million tonnes as compared to Wheat production of 92.29 million tonnes achieved during 2015-16.
Production of Coarse Cereals estimated at a new record level of 44.34 million tonnes is higher than the average production by 3.00 million tonnes. It is higher than the previous record production of 43.40 million tonnes achieved during 2010-11 by 0.94 million tonnes. Current years production it is also higher by 5.82 million tonnes as compared to their production of 38.52 million tonnes achieved during 2015-16.
As a result of significant increase in the area coverage and productivity of all major Pulses, total production of pulses during 2016-17 is estimated at 22.14 million tonnes which is higher by 2.89 million tonnes than the previous record production of 19.25 million tonnes achieved during 2013-14. Production of Pulses during 2016-17 is also higher by 4.50 million tonnes than their Five years average production. Current years production is higher by 5.79 million tonnes than the previous years production of 16.35 million tonnes.
With an increase of 8.35 million tonnes over the previous year, total Oilseeds production in the country is estimated at record level of 33.60 million tonnes. It is higher by 0.85 million tonnes than the previous record production of 32.75 million tonnes achieved during 2013-14. The production of Oilseeds during 2016-17 is also higher by 4.34 million tonnes than the five years average Oilseeds production. The current years production is significantly higher than the production of 25.25 million tonnes during 2015-16.
Production of Sugarcane is estimated at 309.98 million tonnes which is lower by 38.46 million tonnes than the last years production of 348.45 million tonnes.
Despite lower area coverage during 2016-17, higher productivity of Cotton has resulted into higher production of 32.51 million bales (of 170 kg each) as compared to 30.01 million bales during 2015-16.
Production of Jute & Mesta estimated at 10.06 million bales (of 180 kg each) is marginally lower than their production of 10.52 million bales during the last year.
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India Ratings and Research (Ind-Ra) has taken the following actions on the outlooks for the following underlying asset classes, primarily a part of the ABS and RMBS transactions, in its rated portfolio for FY18:
Asset Class OutlookFY17FY18ActionCommercial vehicle loansStableStable to NegativeRevisedLoans against propertyStableStable to NegativeRevisedTractor loansNegativeStable to NegativeRevisedConstruction equipment loans (CE)NegativeStableRevisedMicrofinance loans*-Stable to NegativeAssignedResidential mortgage loansStableStableMaintained
* This sector was not included in the FY17 outlook report.
The agency has revised the outlook on commercial vehicle loans to stable to negative for FY18 from stable for FY17. The agency believes that the combined effect of the marginal 0.4% yoy growth in industrial activity and 8% increase in diesel price without a similar improvement in freight rates over April to November 2016 will stall the asset quality recovery process, which has been made more uncertain because of demonetisation.
The agency has revised the outlook on the loans against property segment to stable to negative for FY18 from stable in FY17. The agency expects that the prevailing slowdown in property prices with high levels of existing inventory and the pressure to move towards a formal business model will continue to weigh on small and medium enterprises, increasing asset quality pressures for them. Also, the larger share of high ticket size collateral (above INR10 million) on the books of non-banking finance companies, which forms a small component of sales in most cities (and hence illiquid collateral), would render achieving recovery difficult, if there is a spike in default rates.
The agency has revised the outlook on tractor loans to stable to negative for FY18 from stable in FY17. The prospect of a strong agricultural production output in 2017 amid a healthy monsoon in 2016 is likely to provide respite to tractor loan borrowers. Also, budgetary support to farm income as announced in the Union Budget 2017-2018 and the average 16% hike in minimum support price for food grains in FY17 YTD (the highest in last five years), blunted to some extent by the hike in diesel prices, would support asset quality improvement. However, high peak defaults reached in the agencys tractor loan portfolio in the last 12 months may not ease swiftly, considering the abrupt cash shortage in the farm sector post demonetisation and with revival expected to be synchronised with future crop cycles.
The agency has revised the outlook on CE loans to stable for FY18 from negative in FY17. Ind-Ra expects the 21% and 24% yoy growth in infrastructure spending in FY16 and FY17, respectively, to mark FY18 as a turnaround year for CE loans. The peak 90+dpd delinquency rate of Ind-Ra rated CE loan portfolio for 2014 vintage was 4% within three years from issuance i.e. a 28% reduction relative to the average peak 90+ dpd delinquency rates of 5.6% for the loans of the 2012 and 2013 vintages.
The agency has assigned a stable to negative outlook on microfinance loans for FY18. Ind-Ra expects that the marginal increase in agri and non-agri based rural wages in FY17 shall provide limited boost to MFI (microfinance institutions) borrowers income, because of growing borrower leverage and hence it is likely to cause asset quality issues. A temporary surge in weighted average delinquencies to 3.45% (0+dpd) in November 2016 for all Ind-Ra rated MFI pools on account of demonetisation would stabilise with improving re-monetisation. However, demonetisation and other local incidents from time-to-time prove that MFI borrowers would continue to be highly subject to idiosyncratic stress.
Ind-Ra rated structured finance transactions including ABS and RMBS, however, are likely to show a stable performance in FY18. Key factors driving the stable outlook include lower actual delinquencies on the underlying asset pool than the agencys initial estimates. Additionally, with higher pool amortisation and original credit enhancement remaining intact, credit enhancement cover shall increase for the outstanding transactions.
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India Ratings and Research (Ind-Ra) has maintained a stable rating and sector outlook on private sector banks and large public sector banks (PSBs) while it has retained the negative sector outlook for small & mid-sized PSBs for FY18. Ind-Ra expects large PSBs with better access to capital and private sector banks with their robust capitalisation to navigate another year of low growth and high credit costs with a stable outlook. The agency retains its negative outlook on mid-sized and smaller PSBs with weak capitalisation and large stock of aging non-performing loans (NPLs). These banks will find it increasingly difficult to grow given increasing capital requirements and large funding gaps impeding their ability to compete on spreads. Ind-Ras Long-Term Issuer Ratings of all PSBs are largely support driven and will mostly remain resilient on the expectations of continued government support.
Ind-Ra expects banks to require INR910 billion in tier-1 capital (including INR500 billion of Additional Tier-1 (AT1) bonds) till March 2019 to grow at a bare minimum pace of 8%-9% CAGR. This includes INR200 billion of residual tranches from the government of Indias Indradhanush programme. Ind-Ra believes there is an increasing divide between the large and smaller PSBs, with the former having some access to growth capital, better market valuation, and also some non-core assets to divest while the latter would only receive bailout capital if required. AT1 bonds have seen some tailwinds in FY17 due to favourable treatment from mutual fund and insurance sector regulators while kick-start of an infant secondary market has started improving the pricing. While the recent Reserve Bank of Indias guideline improves the coupon serviceability of even the weakest PSBs, a broad-based deepening of the market would likely only come from demonstration of PSBs ability to exercise issuer call options in the medium-term.
Ind-Ra expects impaired assets to peak at 12.5%-13% by FY18/FY19 while credit costs will show an extended recovery period (FY18F:185bp; FY16:230bp) as a large proportion of the recently acquired higher-bucket non-performing loans keep aging. This would keep blended return on assets (RoAs) for PSBs and private sector banks 20bp-30bp below their respective long-term medians. Ind-Ras study pegs stressed corporate/SME debt at 22% of bank credit of which 12% has found recognition as impaired so far while about 7% remains as non-PSU debt without any current dispensations such as 5/25 or S4A.
According to Ind-Ras sector-wise stress analysis, sectors such as iron & steel and textiles have seen a fair bit of recognition but provisioning might still not be adequate to protect against eventual loss given defaults (LGDs). On the other hand, significant proportion of unrecognised stress pertains to sectors such as infrastructure, realty and capital goods which potentially have long-term viable assets but would increasingly need cash flow restructuring to avoid slippages.
On the funding side, Ind-Ras analysis reveals that about ten odd mid-sized PSBs were running high asset liability mismatches which could potentially impact their ability to transmit any easing or compete aggressively on marginal cost lending rate. Ind-Ra expects the liability momentum to be another large differentiating factor between large and mid-sized PSBs. Ind-Ra expects sector net interest margins (NIMs) to remain stable at 2.9% for FY18F,15bp-20bp lower than the long-term average.
Ind-Ras Long-Term Issuer Rating (which is used to benchmark senior bonds and Basel-III Tier-2 instruments) on PSBs will change only if there is any change in the governments support stance or a relative shift in their systemic importance.
Ratings for private sector banks and ratings on tier-1 bonds (such as AT1) for all banks are linked to the respective banks standalone profile. Positive triggers such as improvements in funding gaps and single-name concentrations together with increased capitalisation levels and lower loan loss provisions may result in a positive outlook for banks whose ratings are driven by performance.
Negative triggers such as pressure on capital ratios due to weak profitability, a spike in credit costs and delays in equity injections may lead to a negative sector outlook.
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EPFO launched Employees Enrolment Campaign 2017 offering opportunity to the employers to voluntarily declare details of all employees hitherto deprived of social security benefits under EPFO. The declaration scheme is operational between January 1st 2017 to March 31st 2017. Under the Scheme: The employees share of contributions if declared by the employer as not deducted shall stand waived. The damages to be paid by the employer in respect of the employer in respect of the employees for whom declaration has been made under this campaign shall be at the rate of Rupee One per annum. No administrative charges shall be collected from the employer in respect of the contribution made under the declaration. A declaration can be made under the Campaign for the period for which no inquiry under Section 7A has been initiated.
EPFO has provided facility for online declaration under the Principal Employer section of EPFO portal which facilities the implementation of the Employees Enrolment Campaign. After declaration, the payments are to be remitted by the employer through month-wise ECRs for the entire past period of enrolments.
To facilitate enhanced services, furnishing of Aadhar has now been made mandatory for members and pensioners of the Employees Pension Scheme. Furnishing of Aadhar seeded bank accounts as well as Aadaar by EPF members would facilitate better identification as well as consolidation of EPF accounts linked with various spells of employment of EPF members. This would allow offering any time anywhere services to EPF members.
ECR 2.0 has been operationlized and the principal employer can view details of contractor establishments compliance status. This will help all employees, particularly contract employees, becoming aware of any non-compliance by their employer/contractor as they shall be immediately receiving SMSs whenever a contribution is credited into their account.
In January 2017, EPFO settled 19,114 grievance leaving 2,556 as pending. Out of the pending grievances, 2,206 were pending for less than seven days.
As a part of next phase of computerization, EPFO is moving towards a centralized receipt and payment, system. EPFO has entered into banking arrangements with multiple banks. Once operationlized, this would also facilitate automation of compilation of financial information as required for compiling the organizational balance sheet and other monitoring reports.
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Import of vegetable oils during January 2017 is reported at 1,024,859 tons compared to 1,258,054 tons in January 2016, consisting of 1,008,085 tons of edible oils and 16,774 tons of non-edible oils i.e. down by 19%, as per the data compiled by The Solvent Extractors Association of India on import data of Vegetable Oils (edible & non-edible) for the month of January 2017. The overall import of vegetable oils during first three months of current oil year 2016-17, November 2016 to January 2017 is reported at 3,410,008 tons compared to 4,016,391 tons i.e. down by 15%.
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India Ratings and Research (Ind-Ra) expects the gross domestic product (GDP) to grow 7.4% yoy in FY18. Backed by consumption demand and government spending, the gross value added of the three production sectors namely agriculture, industry and services would grow at 3%, 6.1% and 9.1% yoy, respectively, in FY18. While private final consumption expenditure is expected to grow at 8.9%, the government final consumption expenditure is expected to clock 9% growth in FY18.
Ind-Ra, however, has revised down its GDP growth estimate for FY17 to 6.8% from 7.9%, which is even lower than Central Statistical Organisations advanced estimate of 7.1%.
Although GDP growth after bottoming out in FY13 has recovered, sustaining it in the medium to long term has emerged as a key challenge for the India economy. Two factors that contributed significantly to the GDP growth during the last decade were - (i) total factor productivity (TFP) growth and (ii) investments as measured by gross capital formation (GCF). However, both are languishing presently. In fact, the period of 2005-2010 saw a synchronised movement in investment and TFP growth. Indias TFP, which grew at 3.8% during 2006-2010 dropped to 0.3% during 2011-2014. As a result, the contribution of TFP to Indias GDP growth declined from a staggering 46.2% during 2006-2010 to a meagre 4.6% during 2011-2014.
A suboptimal capacity utilisation in the manufacturing sector and stalled infrastructure projects during 2011-2014 caused inefficient/low intensity utilisation of capital invested pulling down the TFP growth.Similarly, GCF which grew at an average rate of 17.7% during FY06-FY10 dropped to 4.2% during FY12-FY16. As against the popular perception, the main setback to investment growth came from the negative 2.2% growth in the gross fixed capital formation (GFCF) of household sector. During FY12-FY16, 82.6% of the household investment was in dwellings, other buildings & structures. Further, dwelling, other building and structures accounted for about 55.8% of the total investment in the economy. This suggests that a more nuanced approach to policy making is required to revive the investment cycle which is currently focused on government capex. Ind-Ra expects GFCF to grow at 4.9% in FY18.
Although firming up of global commodity prices especially crude will exert some pressure on inflation, Ind-Ra expects Wholesale and Consumer Price Index based inflation to come in at 4.5% and 4.2%, respectively, in FY18. A normal monsoon in 2017 would keep the food inflation soft, yet aberration in the prices of select agricultural commodities due to unforeseen supply shocks cannot be ruled out. Ind-Ra therefore expects one rate cut of 25bp by the Reserve Bank of India in FY18 and 10-year benchmark G-sec yield to trade in the range of 6.4%-6.5% by March 2018.
The agency expects the current account deficit to come in at 1% of the GDP in FY18 as against 0.9% in FY17. This will help the rupee trade at an average 69.18/USD in FY18. While India is likely to face continued headwinds on the exports front due to the play out of Brexit and the anti-globalisation stance of US President Donald Trump, imports are unlikely to pick up so long as the domestic investment cycle does not revive. The Union Government budget FY18 has pegged the fiscal deficit to GDP ratio at 3.2%. Although achieving this target looks plausible, much would depend on the governments disinvestment receipt which has been pegged at INR725 billion for FY18.
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Agreement between the Government of the Republic of India and the Government of the Republic of Croatia on Economic Cooperation was signed by Commerce and Industry Minister Smt. Nirmala Sitharaman, Government of India and Ms. Martina Dalic, Deputy Prime Minister and Minister of the Economy, Government of the Republic of Croatia on 14th February, 2017 in Zagreb, Croatia.
India and Croatia had earlier signed an Agreement on Trade and Economic Cooperation in September, 1994 with an aim to promote and develop bilateral trade and economic relations. The present Agreement between India and Croatia would be a step in continuity as the last one expired in November, 2009.
Indias bilateral trade with the Republic of Croatia during 2013-14, 2014-15 and 2015-16 were US$ 148.86 million, US$ 205.04 million and US$ 148.44 million respectively. The bilateral trade during the last three years has remained stable despite global slowdown.
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India Ratings and Research (Ind-Ra) expects overall yield curves to stay elevated. The expectation is against a backdrop of evolving unfavourable global conditions and limited role by the Reserve Bank of India (RBI). However, the agency believes that the banking sectors large appetite for government bonds will anchor interest rates in FY18. The 10-year benchmark government security yield is likely to stay within 6.50%-7.00% in 1HFY18 and 6.40%-7.00% in 2HFY18.
Neutral Monetary Policy Stance: Given the change in the RBIs monetary policy stance and pressure from global rate markets, Ind-Ra expects an extremely limited scope for a reduction in monetary policy rates in FY18. The agency expects a possible room for a 25bp cut during FY18.
Demonetisation: The demonetisation drive and the promotion of digital transactions by the government and the RBI will impact reserve money requirements. Increasing scope and role of digital transaction are likely to reduce the currency in circulation over the coming years. Currency accounts for about 80% of reserve money. Moreover, the banking system was flooded with a liquidity of over INR5 trillion. In such a scenario, the agency does not foresee any open market operation (purchase) in FY18 as per the base case.
Low Banking Credit Blessing in Disguise: Ind-Ra believes that in the absence of any significant pickup in bank credit, the banking sector will have a large appetite for investment in low-risk interest-bearing government bonds. Moreover, banks can invest a part of existing liquidity surplus in government bonds. The agency believes commercial banks could subscribe to INR3 trillion-INR3.5 trillion worth of government bonds.
High State Borrowings to Affect Corporate Bond Curve: State development bonds (SDLs) are close alternatives to corporate bonds. The agency believes that a sustained increase in SDLs would put pressure on the corporate bond curve.
Rupee to Gradually Weaken: The narrowing differential between global and domestic interest rates will keep the rupee trading with a depreciation bias through FY18. With the US Federal Reserve likely to hike interest rates and major central banks rationalising their policy stances, the rupees gradual depreciation trend is expected to continue through FY18, with the domestic currency edging lower towards INR69.5-70/USD by March 2018.
RBIs Calibrated Intervention Likely to Continue: Ind-Ra believes that while the RBI is unlikely to halt the rupees depreciation, the pace of movement will be calibrated.
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The government should sharply increase spending on cyber security to a level that matches the changing threat landscape, noted a paper jointly conducted by ASSOCHAM-PwC.
n++The government should allocate adequate budget for cyber security related initiatives such as capacity building, training of the workforce, implementing awareness programmes, and promoting research and development,n++ according to paper titled Recommendations - Cyber & network security, jointly conducted by ASSOCHAM and consulting firm PricewaterhouseCoopers (PwC).
It also suggested the industry to make budgets to expand efforts to attract and retain qualified cyber professionals.
n++It is important to take proactive measures rather than reactive methods as building safe environments will always be the best line of defence against rising cybercrime,n++ suggested the paper.
It said that government should look at developing comprehensive and mature security policies to ensure that emerging technologies such as cloud and Smart Cities are protected from cyber threats and risks, and help create a dynamic digital economy.
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The Ministry of Corporate Affairs had set-up four Working Groups to facilitate implementation of the Insolvency and Bankruptcy Code, 2016. The Working Group-3 had a mandate to deliberate and submit its recommendations on rules and regulations and other related matters for the insolvency and liquidation process under the Insolvency and Bankruptcy Code, 2016. This Working Group had earlier developed draft regulations for corporate insolvency resolution and liquidation process. Based on these drafts and after considering public comments on the same and following the due process, the Insolvency and Bankruptcy Board of India (Board) has notified (a) the Insolvency and Bankruptcy Board of India (Insolvency Resolution Process for Corporate Persons) Regulations, 2016 and (b) the Insolvency and Bankruptcy Board of India (Liquidation Process) Regulations, 2016.
This Working Group has now submitted draft regulations for Voluntary Liquidation of Corporate Persons. A corporate person who has not committed any default may initiate voluntary liquidation subject to certain conditions. It has been decided to to invite public comments on the draft regulations. Accordingly, comments on each provision of the draft regulations are invited by 8th March, 2017.
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Pursuing Prime Minister, Shri Narendra Modis vision of Affordable, Quality Healthcare for All, Government of India has issued the notification for fixing the ceiling prices of coronary stents, informed Union Minister for Chemicals & Fertilizers and Parliamentary Affairs, Shri Ananthkumar. The step would bring down the cost of coronary stents by about 380%, the Minister added.
Shri Kumar informed that now the ceiling prices of Bare Metal Stents (BMS), having 10% market share, has been capped at Rs. 7,260 and Drug Eluting stents (DES), having 90% market share, at Rs. 29,600. These prices are exclusive of VAT and other local taxes. The Minister further stated that since most of the States have 5% VAT on stents, the MRP of BMS and DES would be Rs.7623 and Rs. 31,080. National Pharmaceutical Pricing Authority (NPPA) has fixed the prices within 60 days as required, he added.
Informing that the step is a major decisive action on the unethical margins charged at each stage in the supply chain of coronary stents, the Minister stated that the new prices are not likely to make much adverse impact on industry. The average MRP in the market for BMS was Rs. 45,000 and for DES Rs. 1,21,000. This has been reduced to Rs. 7623 for BMS and Rs. 31,080 for DES. Thus, based on price reduction, patients will get average benefit of 80-90 thousand per stent resulting into a gross relief of Rs. 4450 crores in one year.
Shri Kumar informed that the Ministry of Health and Family Welfare included Coronary Stents in the National List of Essential Medicines, 2015 (NLEM, 2015) on 19th July 2016 and the Ministry of Chemicals and Fertilizers incorporated Coronary Stents in Schedule I of the Drug Prices Control Order (DPCO), 2013 on 21st December 2016.
Shri Kumar informed that the Ministry, after reviewing the recommendation of Ministry of Health, had directed the NPPA to hold multi-stakeholder consultations with industry and industry associations, manufacturers, importers, hospital associations, distributors associations, doctors and NGOs and other civil society members for fixing the ceiling prices of coronary stents. All the data provided by industry was put on NPPA website and major options for price fixation and prices put in public domain for consultation. The new ceiling prices decided by the Government have taken into account interests of all the stakeholders.
Shri Kumar assured that he will write to the Ministry of Health and Family Welfare to keep a check on increase the price of procedure, doctors fee and prolong the patients stay by hospitals to make up for losses it and also ensure that price reduction is passed on to patients. He also said that the prices of all stocked stents will have to be revised according to the new ceiling price. The Minister laid stress that the landed price/manufacturing cost of imported BMS is Rs. 5415 and for DES is Rs. 16,918, hence the ceiling prices have been set taking into account the ethical profit margins and R&D costs of each member of the supply chain of coronary stents.
Shri Kumar also added that in case of serious violations of the ceiling prices, the NPPA has the authority to recover the overcharged amount along with 15% interest. For addressing the grievances of the common people, the Minister informed that the Ministry has already started two mobile apps, Pharma Jan Samadhan and Pharma Sahi Daam, on which aggrieved person can register complaints and the Ministry would act swiftly to resolve it.
Cardiovascular Diseases (CVD) are major cause of death in India, about 25% of total deaths. Out of these, 90-95% CVD deaths happen due to coronary artery diseases. As per the report of National Commission on Macroeconomics and Health, prevalence of CAD in India is about 61.5 million as per 2015 report. As per Health Ministry report, more than 3.5 lakh procedures were done in 2015 which used 4.73 lakh stents. In 2016, the figure of cardiac stent must have been above 5 lakhs. Presently market size of India made stents is roughly 30%. The Minister thus stated that the new ceiling prices will promote Make in India in a big way and seeing the huge number of patients and future requirement, foreign companies will also try to make in India for cutting costs and remain competitive.
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Publications Division, a Media Unit under Ministry of Information & Broadcasting and Sasta Sahitya Mandal (SSM) has today signed a Memorandum of Understanding (MoU) for joint publication of books on heroes of freedom struggle, cultural leaders and other eminent personalities who worked towards Nation development. The agreement is a joint initiative between the two organisations to sensitise the young generation about Indias rich and diverse culture and history. It would promote availability of good literature for the people on diverse topics.
The MoU included joint publication of a set of 20 books out of which 10 books will be selected through each others catalogue. In addition a set of 10 small new books would be finalized on topics such as the freedom struggle, Indian culture, ethics and values for Joint Publication. The agreement would also provide an opportunity, for both the organizations to enhance their reach by displaying and offering on sale any of publications published by either of the organizations. This MOU is valid for three years from the date of signing of this MOU, which can be extendable for similar terms by mutual agreement.
SSM is a Trust established by Mahatma Gandhi in 1925 and mandated to promote, develop and publish high class literature in Hindi and to make it available to the public at affordable prices. Since its inception SSM has brought out more than 2500 titles on Indian culture, heritage, Indian epics, & stories and has created a huge corpus of children literature to infuse in them the values of life and love for the nation and humanity.
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Hello to loyal readers and newcomers from Ivory's Intellect.
I decided to move my Ivory's Intellect blog to this website, so it is much easier to update them both. Plus I don't have to worry about blogspot ever shutting down my blog for whatever reason.
The posts will be exactly the same as I would have posted on II, so if you have come over from there, don't worry about any changes.
This blog will be about important issues in our society, entertainment news, and anything else I feel the need to comment on. I will not focus on health issues. However, I tend to ask questions that push you to think, so this blog is great for exercising your mind.
Thanks, and remember to comment!