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$5.99"Prowadząc przez lata program leczenie dzieci z ubogich środowisk, w szczególności dzieci o polskich korzeniach z byłych republik sowieckich, miałam okazję przyjrzeć się kulisom dużych domów dziecka, a także życiu dzieci ulicy" – opowiada w "Świecie dzieci porzuconych" autorka, Jadwiga Wojtczak – Jarosz. I właśnie o tym pisze. "Mówić jednak, że zgłębiłam psychikę tych sierot, lecząc ich kruche
Your Amazing Itty Bitty® Foster & Adoptive Parent Guide
by James Poindexter III and 1 moreSuccessful Guide for Connecting Foster and Adoptive Families, Learn how to connect with your foster and adoptive teen by applying 15 helpful tips given by former foster and adoptive teens. By James Poindexter III, CC. Teenagers can be a mystery to say the least. Teens that have been through the foster care system can be even more of a challenge. Often they must move on while living with someone
$4.96This super motivating book is addressed to all fathers who go through thick and thin with their children to protect them from everything in their might and hold their hands when support is needed the most. A father creates a situation of warmth and safety which enhances his children's growth and maturity. When the father is appreciated for the things he did for his children and the family, it
Working with traumatized children
by Marek Wnuk and 1 moreDifficult children... Many of them live in orphanages or children's homes, boarding schools, with foster families and family guardians. Their past lives have left them with psychological trauma – emotional scars, inappropriate protective reactions, negative perceptions of themselves and the world around them.This book discusses the consequences of traumatic events and ways to overcome trauma; it
Wonderful Ways to Be a StepparentIn their practical and supportive book, Judy Ford and Anna Chase offer a helping hand and show how to transform a seemingly impossible situation into a relationship filled with love. "In the end," write the authors,"the labels mother, father, stepmother, stepfather matter less than the quality of our interactions with the young ones entrusted to our care."
Women Surviving the Crisis of LifeFrom Victim to Victor! Are you struggling with the cares of life? This book will answer many problems which people face, especially women who are striving for dimensional levels and Godly aspirations. If you have been praying and waiting for an answer to life's challenges, Women Surviving the Crisis of Life is for you. This book will inspire you and let you know that you are not alone. Get ready
$2.99Wives And Daughters by Elizabeth Gaskel The first instalment of "Wives and Daughters", Mrs. Gaskell's latest work, and I think universally regarded as the most artistically perfect of all her productions, appeared in the August number of "The Cornhill Magazine" of the year 1864. The last, but uncompleted, portion of the story was published in the January, 1866, number of the same periodical. It
Winning the Heart of Your Stepchild"I've got the love to give. Now how can I get my stepchild to accept it?" Does that question sound familiar? Whether you are presently a stepparent, a dating single parent, or in the courtship stage before marriage, the challenge of blending families is one of the most difficulty you will ever face. Winning the Heart of Your Stepchild is a hands-on guidebook for today's men and women who face the
Who Am I & Where Am I Going From Here?
by James LewisMinister James and Rae Lewis desire is for families to function as a God-ordained tool to strengthen society. The strength of the family is a vital ingredient to the strength of the communities in which they work, live and play This book is a resource tool for blessed BLENDED families. It gives great insight and advice on how to grow strong for lifelong blended families.
When Your Parent Remarries Late in Life
Making Peace with your Adult Stepfamily
by Terri Smith and 1 moreLearn to love your parent's new spouse—and family Dealing with stepparents isn't just a kid's problem anymore. With more and more older parents remarrying, you could be one of the many adults having to deal with the issues that arise from these later-in-life unions. Luckily, Terri P. Smith is here to help you out with what to do after your parent walks down the aisle, again. Smith deals with
What Should I Write? 101 Father's Day Wishes for Greeting Cards
What Should I Write On This Card?What Should I Write On This Card? Sometimes it's hard to find the right words, especially when you're writing out a Father's Day card. You want to express yourself in a way that's heartfelt without being too sappy. Or maybe you just want to make your cool dad laugh. Either way, you can put a smile on his face with words that reflect the kind of relationship you share. In this collection, you'll find sentiments applicable to
by Janet HillThe time line begins in everyday life of the Martin Family and their friends. The issues of siblings and constant need for attention. The focus becomes more on others and how the siblings deal with it not being about them but about others less fortunate and putting others needs first.We all could put this to practice. This short story and others in my Martin Family and Friends Series will have


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With ADC, you can start or expand a business with the confidence of possessing knowledge and an effective community advocate.
*Business development workshops are held throughout 2016 with two-day classes scheduled in the Twin Cities for February, April, June, August, October, and December. During this class, prospective and new business owners will learn how to:
Technical assistance
Eligibility Requirements: Successful completion of the ADC Business Development workshop or a business that has a proven record of successful operations for more than a year.
ADC wants to invest in your business and is a growing micro-lender in Minnesota. ADC has led the way nationally in developing asset-based financing (or Murabaha in Arabic) for African immigrants. Instead of extending interest-based credit, ADC purchases necessary assets (usually equipment) and re-sells them to the client at an agreed profit. Murabaha, as well as conventional financing, is available to everyone.
Since 2004, ADC has trained more than 1,500 Minnesota entrepreneurs and leveraged more than $12 million in small business investment on the strength of its own micro-lending portfolio now over $6 million and growing! Over a thousand jobs created and retained. Total finance packages range from $5,000 to more than $250,000 per client.
We offer both traditional and alternative/profit-based financing terms.
Statewide services offered in the following communities: Twin Cities metro, St. Cloud, Rochester, Owatona, Mankato, Willmar and Marshall.
Your FICO® Score can stop you from getting small business loans – Featured in Western Bank Business Magazine
Most small business owners and entrepreneurs know that banks and other lenders use credit scores to determine who qualifies for a business loan, at what interest rate, and at what credit limit. Yet many people have no idea what goes into determining a person's credit score.
The most widely used credit scoring system is the FICO® score — an acronym named for its developer, the Fair Isaac Corporation — and this score can range from 300 to 850.
Fair Isaac has disclosed the following five components that contribute to a FICO score
as well as the approximate value each has in determining an overall score:
• Payment history – 35%: Includes bills paid on time, bills past due, bills paid later than 30 days, bankruptcies, collections, etc.
• Amount of debt – 30%: The ratio of current revolving debt (credit card balances, etc.) to total available credit (credit limit).
• Length of credit history -15%: How long your accounts have been opened and any recent activity.
• New credit – 10%: The number of recently opened accounts and number of recent credit inquiries.
• Types of credit used – 10%: Includes installment, revolving, and consumer finance.
To help keep your credit score healthy, it's important to pay your bills on time, keep your balances on credit cards and other revolving credit low, and only apply for and open new credit as needed.
While you can damage your credit score very quickly, improving your score takes time. It's worthwhile to check your credit at least six months prior to applying for a major loan, such as a small business loan, so you can take steps to improve your rating in order to get the best possible rates.
Regardless of the bank in which you are applying for a business loan, all will prefer applicants to have high FICO scores. Even if your business is showing profitability, loan approval is not guaranteed when you have a low FICO score. Most banks tend to use your FICO score as a measure of your character and responsibility.
A person's FICO score is based on credit report information gathered from the three major credit reporting agencies — Experian, TransUnion, and Equifax. In order to help ensure a healthy, accurate credit report, consumers are encouraged to visit www.annualcreditreport.com or call 1-877-322-8228 once each year to obtain a free report from each of the agencies.
Participating on Business Technical Assistance Program (B-TAP)
The Business Technical Assistance Program or B-TAP program was created to provide consulting support to businesses located in the City of Minneapolis. Through B-TAP, the City contracts with local non-profit organizations focused on entrepreneur training and economic development to provide direct services to new and existing businesses. Small- and medium-sized businesses located in Minneapolis are eligible to receive the services. Considering starting a new business in Minneapolis,
Looking to expand business operations in Minneapolis, Pursuing certification as a Minority- or Woman- Owned Disadvantaged Business, Need general business advice.
More info on how business can access the services visit
ADC Loan officers will direct you to fill out certain application forms in order to register for classes, apply for business loan, etc. You will find these forms below:-
Once you've clicked the appropriate forms and downloaded them to your computer, you can open the file and type in as much of the requested information as possible. Then SAVE the file and email it back to your loan officer. Later, when the forms are complete, you will sign them with your ADC loan officer.
(1) Download (a fillable) Entrepreneur Training Application Form (PDF)
(2) Download (a fillable) Loan Application Form (PDF)
(3) Download (a fillable) Alternative Financing/Profit Based Application Form (PDF)
(4) Download (a fillable) Personal Financial Statement Form (PDF)

subset: commoncrawl


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Tax Evasion and Tax Fraud - What it means to you when monitoring BSA and filing SARs
Product ID: 703110
- Duration: 60 Min
Customer Care
Fax: +1-650-565-8542
Email: email@example.com
This training on BSA compliance will help you understand the concept of tax evasion and tax fraud and the difference between the two. Learn the best practices to identify tax fraud and how to report suspicious activity.
Why Should You Attend:
Tax Evasion and Tax Fraud are at the cornerstone of an effective BSA/AML compliance program. Effective monitoring and proper understanding of the topic are required to accurately describe the transactions on a Suspicious Activity Form.
This webinar will address the types of transactions and give you examples of how to drill down further to assess those risks.
Areas Covered in the Webinar:
- Resources.
- What's the difference? Tax Evasion vs Tax Fraud
- Why do I care?
- Definitions
- Why it matters
- Global Tax Evasion
- The Swiss Connection
- Tax Havens
- Ties to Money Laundering and Terrorism
- FATCA. Foreign Account Tax Compliance Act
- Identity Theft and Tax Fraud
- FinCEN & Red Flags
Who Will Benefit:
- Financial Officers
- Bank Secrecy Act Officers
- Front Line Staff
- Risk Officers
- Operational Managers
Doug Keipper
Certified Anti-Money Laundering Specialist, Leading Bank
Doug Keipper, is a Certified Anti-Money Laundering Specialist (CAMS) since 2005 and former BSA officer, compliance officer, and loan administrator for an $800M commercial bank in Atlanta before it sold twice in one year. He teaches commercial real estate stress testing and anti-money laundering throughout the southeast. He has spent over 20 years in retail banking, wholesale mortgages and financial services.
Topic Background:
Bank Secrecy Act requires financial institutions to assist government agencies to detect and prevent money laundering. In May 2013 FinCEN published issue #23 of The SAR Activity Review Trends Tips & Issues. Table 2 documents the most frequent activities defined in Category S – Other. Tax Fraud or Evasion makes up 22% of those cases. FinCEN goes on to discuss an Overview of Correspondent Banks, Tax Havens, Shell, Shelf and Offshore Companies and Trusts. They also discuss Tax Fraud or Evasion in their section on Significant Money Laundering Trends and Patterns by Accountants or CPAs. If FinCEN is giving this much time and attention to this topic, so should you.
Look at some of the headlines just from this year alone:
- April 2, 2013 Dolce & Gabbana Designer furious over $440 million tax evasion fine
- March 29, 2013 Stephen Baldwin pleads guilty in tax case, ordered to pay $400 K back taxes
- March 14, 2013 Olathe businessman pleads guilty to tax evasion
- March 15, 2013 Mechanicsburg man charged with tax evasion
- April 6, 2013 Wesley Snipes released from prison after tax evasion
- March 26, 2013 Michigan theater owner gets year in prison for tax evasion
Refund Policy
Registrants may cancel up to two working days prior to the course start date and will receive a letter of credit to be used towards a future course up to one year from date of issuance. ComplianceOnline would process/provide refund if the Live Webinar has been cancelled. The attendee could choose between the recorded version of the webinar or refund for any cancelled webinar. Refunds will not be given to participants who do not show up for the webinar. On-Demand Recordings can be requested in exchange.
Webinar may be cancelled due to lack of enrolment or unavoidable factors. Registrants will be notified 24hours in advance if a cancellation occurs. Substitutions can happen any time.
If you have any concern about the content of the webinar and not satisfied please contact us at below email or by call mentioning your feedback for resolution of the matter.
We respect feedback/opinions of our customers which enables us to improve our products and services. To contact us please email email@example.com call +1-888-717-2436 (Toll Free).
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gaye b. from wilmington, nc
I had a stroke in 2006.
new and works
I use my wheelchair everyday and I love it.
Reviewed on 03/15/2017
chevonne m. from orange park, fl
32yrs. old w/M.S.
It serves its function when it comes to a wheel chair.
The legs are way too high, when controlling it it feels as though it needs an alignment, the wheels don't function well on smooth surfaces when trying to get over an average doorway.
Reviewed on 04/20/2013
edward k. from apache junction, az
Not provided
bad design on cross braces under seat you sit on the bars when you sit ,uncomfortable. so bad i had to buy another wheelchair.
Reviewed on 07/13/2011
robert h. from rock island, il (caregiver)
53yo,MS,very limited physical strength
Light and easy to move and store in car
Hard rubber tires give a rough ride on bumpy surfaces
Reviewed on 05/07/2009
philip a. from riverside, ca
Osteoarthritis. Both hips replaced as well as left knee and right shoulder joint.
Light weight. Ease of use.
Side panels on armrests are much too thin. When I sit in the chair the plastic panels bulge out and rub on the wheels. VERY annoying. My husband is looking for a way to make metal replacements for the side panels so they don't rub.
Reviewed on 04/29/2009
robert b r. from lake orion, mi (caregiver)
60 year old female with M.S.
sturdy frame
Handrests fall apart
Reviewed on 04/13/2009
dana s. from knoxville, tn
I am a 58 year old woman who is recovering from achilles tendon rupture surgery.
This chair is study, yet light. It's comfortable to sit in and very easy to roll.
It doesn't corner as tightly as I would like, perhaps because it's still new. My rental had a rough surface on the wheel making it easy to roll - this wheelchair has a smooth surface, so I find I can roll it better with gloves on.
Reviewed on 05/22/2008
leo m. from berlin, nh (caregiver)
My mother is 87years old with arthritis and not able to go in department stores without a wheelchair.We,re both very satisfied with your product.Thank
looks-strength-ajustability-quality-ease of use.
maybe the word guardian in white on the back should not have been put on.
Reviewed on 11/24/2007
gary z. from downers grove, il (caregiver)
Not provided
Top quality! Very satisfied.
Not provided
Reviewed on 03/29/2007


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This literally made my jaw drop. I did not see this coming, but I welcome it with open arms!
I remember playing the first game around 2002-2003, and I remember it being a really really really awesome and enjoyable game. Tons of weapons, tons of worlds to explore and overall solid gameplay.
Looking forward to this one :)
I would have to agree 100% with this. Read Dead Redemption is one of the best games I've played last gen.
This, and the fact that it already has two sticks...damn this is gonna be awesome.
@AizenSosuke - Seriously - it's not boring.
Once the teaspoon is in the parking lot and 23 pigs have had pedicures on their left feet, you'll know that the pixel on the screen is drunk and the elephant's eye is full of miracles.
Lol...I guess there's no going back. It's still an excellent game :)
I agree. Not long ago did we have games that just fit on a single 8.4 DVD.
This was an awesome story to read.
"I'm not sure that's the best way to describe the situation, but he certainly didn't seem disgusted but instead was intrigued at the notion that you could sit down and shoot Nazis all day long."
I stopped at the 1:57 mark...I thought I was the only one!
WTF Did I just watch lol
Sometimes there is really no other way.
I remember when I bought Assassin's Creed II for PC, and its infamous always online DRM. A single tiny hiccup in the Internet connection was enough to force close the game, whether I was in the middle of a mission or wasn't didn't matter.
It was very annoying, yet somehow a pirated version of the game found its way online, and fixed everything.
Sometimes I just want to try out the game, and...
I think it's time they gave us another Burnout, since it has always been (to me) the better arcade racing game.
They've pretty much milked the NFS series to death. In fact Burnout Paradise which launched more than 7 years ago still has an active online community.
Read my mind
And to actually think that Capcom is focusing on the mobile market...I hope they see this before it's too late. Who am I kidding anyway?
It would be generous to even call it an excuse.
I'd have to go with Driveclub.
I get blown away by the attention to small details that they've put into the game.
Notice for example how the rain droplets on the windshields react to the oncoming wind and also to the car when it moves left and right.
Microsoft does have the tendency to improve and overhaul their UI for Xbox. The 360's launch UI is nothing like it is today.
The PS3's launch interface is pretty much similar to what it is today.
Lots of differences. When you look at alone their hardware architectures they're quite different, which lead to quite a large number of PS3 ports looking/performing quite different from the Xbox 360 versions.


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"Thank you NHS"
About: Wakefield District PCT / Emergency dental service Wakefield District PCT Emergency dental service
Posted by ceramic93 (as ),
I had an extraction carried out at my local dentist on a Friday, which left me with a large amount of bleeding. I was told that the surgery shut at 5pm, and that Saturday appointments were for private patients only, so would have to wait until the following week to be seen again, which I thought was outrageous. It was still bleeding at 3am, and left me in a lot of pain.
I phoned NHS Direct, who were absolutely super even though they were chock-a-block. They got me an appointment on Sunday at the emergency dentist in Wakefield. I was treated by James Notts, who was wonderful. He really put me at ease, and I was very pleased with the treatment.
I think the system at my dentist is awful and should be changed - it just makes more work for the out-of-hours dentist and I believe it is very unfair. I cannot thank the NHS enough for helping me out when I needed it.


text: Tim Murphy Latest Stories Travel Intel Etiquette 101: Your Guide to Tipping Around the World March 26, 2015 Arts & Culture Vienna: The World's Secret Capital of Contemporary Art December 3, 2014 Arts & Culture Photos: Vienna's Rebirth as a Contemporary Art Capital December 3, 2014 Share This Contributor Share on Facebook. Tweet it! Pin It! Email to a Friend Share on Google Plus. Share on LinkedIn. Print this Page Sign Up for the Daily Traveler Enter your email address Sign Up Please enter a valid email. We encountered a server error. Please try again later. Thank you! A welcome email has been sent.


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Larry Bird's son was arrested on Sunday at Indiana University, according to the Indianapolis Star Tribune.
Connor Bird, 21, allegedly tried to hit his ex-girlfriend with his car. He is being charged with battery with injury, criminal mischief, intimidation with a deadly weapon and possession of marijuana.
From the Star Tribune:
Trouble began, police said, after Bird and the ex-girlfriend got into a dispute Sunday at Birds Bloomington apartment. Bird threw a cell phone at the female, police said.
Later, police said, Bird waited at his ex-girlfriends home and took her to a parking lot to talk things over. There, however, they got into another fight, police said, and the girl got out of Birds car with the intent of walking back to her home. Thats when, police said, Bird twice tried to hit the woman with his car. Another IU student witnessed the incident, police said, and took the female to the Indiana University Police Department.


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Each month, Rated People connects over 50,000 homeowners with quality tradesmen - simply enter your job details in the form above to get started.
We'll match your job to the relevant tradesmen in your area - those interested will pay to see your contact details and call you to quote.
As each tradesman expresses interest in quoting on your job, we'll send you their profile and ratings to help you choose the right one for you.
After the work is complete, return to the site and rate your tradesman based on their quality of work, reliability and value for money.
Drainage Specialist
Added 11/04/2015
Replace existing external down pipe from 1st floor bathroom
Drainage Specialist
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The property is a mobile park home. There is a strong smell of sewage coming from underneath...
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Hedge roots have grown through underground waste pipe and cracked a section
Drainage Specialist
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Air test of new drain system installed as part of extension works.
Happy to recommend. Did the work exactly as required and knew what he was doing.
Managing your job is easier with the Rated People Homes App, download it today.


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Sawyer and Juliet came back from the hatch, along with Charlotte and that other freighter guy (whose name I finally found out is Miles), but Daniel hasn't come back yet, and they don't know why. Sawyer said that when they arrived at the hatch, it was blown up just as we'd left it, but then after a flash of light, the hatch was suddenly intact and buried in the ground as it was when we first found it! He doesn't understand why Daniel took them there, but the bottom line is that it won't help us, so we need to start figuring things out on our own.
I then finally got to ask Sawyer what exactly happened back at Locke's camp, and he reluctantly filled me in. It's actually worse than I thought -- a lot worse. A few days ago, a group of soldiers with guns, apparently from the freighter, attacked the barracks and killed most of our people! Doug, Tracy, Jerome, Steve, and whoever else unaccounted for are all dead!! The rest of them escaped, but Claire mysteriously disappeared in the middle of the night on their way back, and they found Aaron alone the next morning! And Locke went off to do something with that Ben guy at some greenhouse -- Sawyer has no idea what. Sawyer eventually boarded the helicopter with Jack, Kate, Sayid and Hurley to head to the freighter, but it was leaking fuel, so Sawyer voluntarily jumped out over the ocean so that they could make it safely, which obviously became futile when the freighter blew up. He's assuming the helicopter either blew up with the boat or crashed in the ocean.
At that point, Sawyer didn't want to talk about it anymore, and I could tell he was obviously feeling survivor's guilt. So I gave him whatever encouraging words I could think of, reminding him that despite the tragedy, the rest of the camp still needs him. He was surprisingly receptive to that. Juliet appreciated it as well.
Anyway, it's time for us to start figuring out our immediate survival needs. Bernard is trying to start a fire, though it doesn't look like he's been successful yet. I'll go ahead and do what I do best on this island, which is to find food in the jungle. I'll ask Craig to join me.


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Luxury Intimates Floral Set - Cami Top and Shorts
fantasy lingerie
43.00Size Chart
Luxury Floral Intimates Set. Rosalie Modal Floral Print Cami Top with Ribbon Shoulder Ties & Matching Shorts. Perfect for looking cute while lounging around eating ice cream!
• Modal Floral Print
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• Matching Floral Shorts
Fabric Content:
95% Modal and 5% Spandex
Washing Instructions:
Hand wash separately in cold water. Do not bleach. Flat dry.


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Barbour Nauton Shirt in Forest. A subtly presented button down Shirt from Barbour, the Nauton Shirt obtains an almost corudory-like finish thanks to the fine cotton used. Featuring an understated Barbour classic tartan print, the Nauton is finished with traditional Barbour branding at the hem.
Material: 100% Cotton
Neckline: Button down
Sleeve type: Long sleeve
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Conceived and designed the experiments: KTA DM JS AB MW HB CMD TR SV PT. Performed the experiments: KTA AB MW TR. Analyzed the data: KTA DM AB MW JS. Contributed reagents/materials/analysis tools: KTA DM JS AB TR SV PT. Wrote the paper: KTA DM JS AB MW HB CMD TR SV PT. Database search: TR SV. Interpretation of data: KTA DM JS AB MW HB CMD TR SV PT. Verification of screening of abstracts and data extraction: DM JS CMD TR PT.
Complementary and alternative medicine (CAM) is commonly used by children, but estimates of that use vary widely partly due to the range of questionnaires used to assess CAM use. However, no studies have attempted to appraise measurement properties of these questionnaires. The aim of this systematic review was to critically appraise and summarize measurement properties of questionnaires of CAM use in pediatrics.
A search strategy was implemented in major electronic databases in March 2011 and conference websites, scientific journals and experts were consulted. Studies were included if they mentioned a questionnaire assessing the prevalence of CAM use in pediatrics. Members of the team independently rated the methodological quality of the studies (using the COSMIN checklist) and measurement properties of the questionnaires (using the Terwee and Cohen criteria).
A total of 96 CAM questionnaires were found in 104 publications. The COSMIN checklist showed that no studies reported adequate methodological quality. The Terwee criteria showed that all included CAM questionnaires had indeterminate measurement properties. According to the Cohen score, none were considered to be a well-established assessment, two approached the level of a well-established assessment, seven were promising assessments and the remainder (n=87) did not reach the score's minimum standards.
None of the identified CAM questionnaires have been thoroughly validated. This systematic review highlights the need for proper validation of CAM questionnaires in pediatrics, which may in turn lead to improved research and knowledge translation about CAM in clinical practice.
According to the National Center for Complementary and Alternative Medicine (NCCAM), complementary and alternative medicine (CAM), includes many types of therapies and products that are not considered to be part of conventional medicine [1]. NCCAM mentions four domains of complementary and alternative medicine: 1) natural products (e.g. vitamins, minerals, dietary supplements, probiotics); 2) mind-body medicine (e.g. meditation, yoga, acupuncture, deep-breathing exercises, guided imagery, tai chi); 3) manipulative and body-based practices (e.g. spinal manipulation, massage therapy); and 4) other CAM practices (e.g. movement therapies, traditional healers, energy therapies) [1]. Even though the NCCAM definition is widely known and used, there is no consensus on the definition of CAM [2] or the types of therapies or products that should be considered as such [3], which makes it difficult to collect data in a standardized manner in both research and clinical settings. Thus, it remains difficult to compare research from different studies and to ensure a thorough assessment of CAM use in clinical practice. Since the NCCAM definition is inclusive of many different types of therapies and products, we will use it in the present article.
There is an increasing interest in CAM in pediatrics [4], stressing the importance for health care providers to initiate a dialogue about CAM use in order to assess its impact on their lives and to provide the most up-to-date evidence-based advice on risks and benefits of these therapies. While research has been done in many pediatric populations, a recent systematic review of prevalence of CAM use in pediatric cancer patients has highlighted the lack of standardized methods and validated questionnaires to assess patients' use and perceptions of CAM in this population [2]. Authors of that review urge the scientific community to develop standardized, valid and comprehensive CAM questionnaires. To date, no systematic review has assessed the extent of measurement properties of CAM questionnaires in pediatrics.
The objective of this systematic review was to critically appraise and summarize the research evidence on the measurement properties of questionnaires assessing the use of CAM in pediatrics. To achieve this goal, we adapted the research protocol for systematic reviews of measurement properties created by Terwee et al. which includes steps such as evaluating the methodological quality of the included studies and the content and measurement properties of the instruments used in those studies [5] (protocol shown in Appendix S1). The secondary objective of this review was to inform the development of a valid and reliable questionnaire assessing the use of CAM for discriminative and evaluative purposes in pediatric clinical and research settings (should one not already exist). We used the PRISMA statement to help guide the reporting of the systematic review (see completed PRISMA checklist in Appendix S2) [6].
An electronic search strategy (See Appendix S3) was developed by a librarian (TR) and refined using the peer review of electronic search strategies checklist [7]. The search strategy was implemented in the following electronic databases: MEDLINE (1950 to week 12 2011), Healthstar, Cochrane CENTRAL, AMED (1985 to 2011), PsycINFO, The Cochrane Collaboration's Methodology Register, EMBASE (1980 to 2011) and the Health and Psychosocial Instruments database (1985 to the last week of March 2011). Conference websites, scientific journals and experts in the field of CAM were also consulted in order to identify relevant publications of CAM questionnaires.
Questionnaires were included if they sought to assess the prevalence of a wide range of CAM use (more than one type or one sub-category of CAM), such as products and services provided by CAM practitioners, in pediatric patients (age 18 years and younger), and if they were reported in English or French language articles. All types of studies (e.g. psychometric studies, prevalence studies and clinical trials) were included if they reported using such a questionnaire. Grey literature, such as abstracts published in scientific journals or proceedings of conferences were excluded due to lack of information concerning questionnaires used. Results from our search were exported into a Reference Manager database.
Two members of the team (KTA and AB or BD) independently screened identified titles, abstracts and key words for relevance, and assessed potentially relevant studies for inclusion according to our eligibility criteria. Full text articles of records meeting the screening criteria were obtained. Each reviewer then decided independently which articles met the eligibility criteria and should be included in the systematic review. Disagreements were resolved by discussion with a third member of the team (JS or DM). If some data from the studies were insufficient or missing, we attempted to obtain this information from the authors by personal communication (email) up to three times.
Data from included studies were independently extracted by three members of the team using the previously piloted data extraction form (KTA and MW or AB) and then entered into an Excel spread sheet. The extracted data included: characteristics of the studies (study design, objectives, geographical location, target population) and the questionnaires (purpose, child and/or proxy report, content, time to complete). The time to administer a tool was documented and rated as 1) short if it took less than 10 minutes, or 2) long if it took more than 10 minutes to complete [8].
The methodological quality of studies reporting each CAM questionnaire as well as the measurement properties of the CAM questionnaires themselves were assessed. When data were missing from a study, corresponding authors were e-mailed (two attempts) in an effort to obtain questionnaires and additional information. Authors were also e-mailed at the end of our systematic review in order to confirm results.
The methodological quality of the measurement property testing reported in the included studies was assessed using the COSMIN checklist (See Appendix S4) which is a validated tool that has been used to rate studies reporting measurement properties of health status measurement instruments [9]–[12]. The checklist includes the following properties: content, construct and criterion validity, test-retest, inter-rater, intra-rater reliability and measurement error, internal consistency and responsiveness (See definitions in Appendix S4) [11]. Interpretability and generalisability of studies can also be rated. The quality of each of the properties reported in a study is assessed by a series of items including design requirements and preferred statistical methods and can vary from excellent to poor depending on the information reported by the authors. A total score is determined by taking the lowest rating of the items for each measurement property.
We used the Terwee criteria [13] and the Cohen score [14] to assess measurement properties of the CAM questionnaires. Terwee et al. propose quality criteria for rating measurement properties [13]. Whereas the COSMIN checklist assesses the quality of the methods used in studies to validate a questionnaire, the Terwee criteria evaluate the results stemming from such studies. Validity, reliability, responsiveness, floor and ceiling effects and interpretability can be rated as positive, negative or indeterminate depending on the results of validation studies. Criterion validity was not applicable for CAM questionnaires since there is no gold standard to assess its use. Floor and ceiling effects were not applicable for items rated on a nominal scale such as CAM use, but could have been assessed for items which were rated on ordinal, interval and ratio scales. Interpretability was not applicable to CAM questionnaires since they did not provide a total score.
The Cohen criteria [14] (Shown in Appendix S5) seek to evaluate the degree of testing of measurement properties as well as the dissemination and description of the questionnaires. The Cohen criteria are divided into three levels depending on the number of publications describing the questionnaires, the extent to which questionnaires are described and their measurement properties.
We completed a narrative summary of the included studies. Content analysis was used to study the content of the included articles. Descriptive statistics were used to describe the characteristics of the studies and questionnaires.
The electronic search provided a total of 476 records after eliminating duplicates. Additional consultation of conference websites, scientific journals and experts in the field of CAM yielded another 107 records. From these 583 unique potentially relevant records, 104 met the screening criteria. We included 104 articles in the systematic review which summarized 100 studies from which 96 CAM questionnaires were identified (see Figure S1 for a flow diagram of included studies and Appendix S6 for a list of references for the included studies). Among authors of included studies, 69 (69/96=71.9%) responded to our query by providing additional information on their questionnaires' measurement properties. Some of these authors no longer had access to questionnaires and a total of 50 authors ultimately provided copies for this review. Although we did not receive questionnaires from all authors, six CAM questionnaires were displayed in their respective publications and one was found online. After completing our review, 51 (51/96=53.1%) authors confirmed our appraisal of their studies and questionnaires, nine of them gave new information that did not modify our assessment and one author gave us new information that modified our assessment of their questionnaire [15].
Included studies sought to assess children's use of CAM (n=100), perceptions regarding children's use of CAM (n=86) and attitudes towards CAM in general (n=33). Most studies were cross-sectional surveys of CAM use (n=98) and only two assessed CAM use longitudinally [16]; [17]. Only 58 studies provided a definition of what they considered to be CAM and definitions varied tremendously. The most common definition was the NCCAM definition (n=18 studies) [1].
Studies were conducted in 19 countries, the most common being the United States (n=35), United Kingdom (n=15), Canada (n=11), Australia (n=8), Turkey (n=6), Israel (n=3), Ireland (n=2), Germany (n=2), Switzerland (n=2) and New Zealand (n=2). Three studies did not disclose precisely where they were conducted and three studies were conducted in multiple countries. Studies were conducted in general pediatrics (n=24), in specific pediatric conditions (n=63), such as cancer (n=19), neurological (n=16), respiratory (n=11), gastrointestinal [5], rheumatologic (n=4), dermatologic (n=3), haematological (n=2), metabolic (n=2) and otolaryngological conditions (n=1), as well as in both general pediatrics and specific diseases (n=5). Other studies also assessed CAM use in children undergoing surgical procedures (n=2), children with a range of diverse chronic diseases (n=3) or acute illnesses (n=2) as well as homeless youth (n=1).
All included CAM questionnaires sought to discriminate between users and non-users of CAM (i.e. discriminative purpose) and none were reported to be designed to assess changes in CAM use over time (evaluative purpose). Thirty nine percent (n=37) of the questionnaires assessed disease-specific CAM use while 42% (n=40) assessed the use of CAM in a general pediatric population without referring to a specific disease, and one questionnaire assessed both current disease-related use as well as use for other reasons. Other questionnaires were not described in enough detail to determine whether they were generic or disease-specific (n=18, 19%). Most questionnaires were targeted at parents, while 23% of questionnaires gathered children and adolescent self-reports and only two studies mentioned using a questionnaire specifically designed to gather children and adolescents self-report. Children completed questionnaires on their own beginning at 10 years of age while children as young as seven years helped their parents to answer the questions.
The content of the questionnaires varied considerably. The number of types of CAM listed in questionnaires ranges from 3 to 161, some questionnaires listing only broad categories of CAM (n=7) and others presenting an exhaustive list of herbal products, vitamins and minerals. CAM types and categories were often not adequately reported by studies and their diversity made it difficult to synthesize the data. Questionnaires also included a wide range of domains and items linked to CAM use (see Figure S2). The most common domains and items were: reasons for CAM use (n=61, 63.5%), helpfulness (n=58, 60.4%), communication with health providers concerning CAM (n=51, 53.1%), source of information about CAM (n=48, 50%), CAM use by parents/family (n=40, 41.7%) and costs of CAM (n=38, 39.6%).
Concerning ease of use of the questionnaires, only ten were reported to have a completion time under 10 minutes and the others were reported to take up to 60 minutes to complete. A summary of the characteristics of questionnaires tested for measurement properties is shown in Table S1.
Using the COSMIN checklist assessment, none of the studies showed adequate methodological quality. Of the 11 questionnaires which were mentioned to have been tested for content validity [18]–[28], no studies were descriptive enough to reach the COSMIN criteria. Most of the publications (82%) describing those questionnaires did not mention whether items refer to and comprehensively represent relevant aspects of the construct to be measured. They also did not state whether items are relevant for the population surveyed or for the purpose of the questionnaire. Two CAM questionnaires [20]; [21] had their content validity assessed by both patients and experts, which is an advantage [13]; [29], while the other nine had it assessed by either patients (n=2) or experts (n=7).
Three CAM questionnaires were assessed for construct validity [15]; [30]; [31] but none were adequately reported. Most authors did not provide information on missing items, a priori hypotheses regarding the direction and magnitude of correlations, comparator instrument, sample size and statistical analyses. Authors of one study reported a small sample size (n=25 patients) and the use of Spearman correlation coefficients by means of personal communication [15].
Of the four questionnaires which were reported to have been assessed for test-retest reliability [15]; [30]; [32]; [33], inter-rater reliability [30] or internal consistency [15], none was described in enough detail to meet the COSMIN criteria. Most of the publications describing those questionnaires did not report how missing items were handled and how repeated measurements were conducted (mode of administration, sample size, statistical analyses and time interval for test-retest). Some questionnaires were also tested with long delays between first and second administration (4 to 6 weeks), different modes of administration between test and retest, small sample size and inadequate statistical analyses. One questionnaire [15] showed variable levels of test-retest agreement using intraclass correlation coefficients as well as internal consistency using Cronbach's alpha (data provided by authors by means of a personal communication).
When evaluating the quality of measurement properties for each of the 96 included CAM questionnaires using the Terwee criteria, none was rated as thoroughly valid. No questionnaire reported an assessment of floor and ceiling effects. Only 16 CAM questionnaires were assessed for one or more of the following properties: content validity, and test-retest and inter-rater reliability (See summary characteristics of the most promising questionnaires in Table S1).
Ratings for content validity were indeterminate since questionnaires were not reported to have used appropriate methods (e.g. purpose of the questionnaire, concepts to measure, involvement of the target population, methods of item selection and reduction). None of the included questionnaires described their precise purpose (whether they are discriminative, evaluative or predictive) of the questionnaires. Measured concepts were often listed but not in a thorough manner. Only two questionnaires [22]; [25] were reported to be comprehensive (i.e. including all relevant items) and have involved the target population of patients. One showed a high level of agreement between experts ratings for included items [22].
Construct validity was rated as indeterminate for the three questionnaires [15]; [30]; [31]. The domain scores of one questionnaire were compared with measures of parental discipline and spiritual practice/beliefs, which yielded Spearman's correlation coefficients ranging from −0.52 (p<0.01) to 0.34 (p=0.11) [15]. The results of the second questionnaire were contrasted with medical and nursing notes documenting CAM use for inpatients [30], while findings from the third questionnaire were evaluated against CAM products found in patients' homes [31]. The indeterminate rating was granted for each of these because correlation coefficients were not presented, not strong enough or not provided for all domains of the questionnaire.
All ratings for the four questionnaires [15]; [30]; [32]; [33] having assessed test-retest reliability were indeterminate because the majority did not present agreement coefficients such as Intraclass correlation coefficient or Kappa coefficients or confidence intervals. One of these questionnaires [15] presented variable scores of agreement depending on the item (Intraclass correlation coefficients between 0.52 to 0.78), which ranges from a negative to a positive rating, which amounted to an indeterminate rating. The same questionnaire also showed poor to questionable levels of internal consistency (α=0.28 to 0.64). Inter-rater reliability was also indeterminate for the only questionnaire having assessed it (because the percentage of CAM use according to the different raters was reported but not the agreement between raters) [30].
According to the Cohen score, no questionnaire was considered to be a well-established one, two approached the level of a well-established assessment [33]; [34] and seven were promising assessments [18]; [19]; [21]; [22]; [24]; [28]; [35]. The remainder (n=87) were either not described enough in publications (and the questionnaires not provided in the publication nor available upon request to the author) or their measurement properties were not reported at all. (See summary characteristics of the most promising questionnaires in Table S1).
Finally, among all included questionnaires, 19 were reported to have good readability/comprehension but only one of them using proper testing. This questionnaire was assessed using the Flesch-Kincaid grade reading level (score=5.7), a test designed to indicate comprehension difficulty and based on two core measures (word and sentence length).
To the best of our knowledge, this systematic review is the first to formally aggregate the research evidence on the measurement properties of questionnaires assessing the use of CAM in pediatrics. This work will help to better understand the use of CAM in various pediatric clinical and research settings by informing future validation studies of CAM questionnaires. It will also help clinicians, researchers and the general public to better appraise the scientific literature on CAM in pediatrics.
The results of the current review suggest that many studies, mostly cross-sectional and conducted in the United States, have used CAM questionnaires to identify and understand the use of CAM among pediatric populations. However, CAM questionnaires varied greatly in terms of their characteristics. Some were disease-specific while others were generic, which may reflect that both types of instruments are seen as helpful in order to understand the use of CAM by researchers. Some succeed in targeting specific types of CAM used by patients with a certain condition while others have the advantage of assessing the use of CAM in many different conditions as well as the public at large, making it easier to compare use in different populations. Most of the questionnaires targeted parents and very few mentioned using a questionnaire specifically designed to gather children and adolescents self-report, which may be important to use in order to gather valid data about CAM use according to children. Such a self-report questionnaire may provide researchers with a valid tool to compare children's and parents' perceptions, which may lead to changes in the way health care providers discuss CAM with families. The high variability in the content of CAM questionnaires was also problematic and may explain great variability in use in the pediatric studies, such as in cancer care [2]. This may be explained by the fact that there is no consensus on a definition of CAM and the therapies that it encompasses as well as items that should be assessed in order to understand thoroughly the use of CAM [36]; [37]. Very few questionnaires were reported to have a completion time under 10 minutes, which might pose a problem if used in a research setting and routine clinical practice.
Studies included in our review were judged to be of poor methodological quality when evaluated by the COSMIN checklist since methods used to test measurement properties of CAM questionnaires were not described in enough detail to reach pre-defined criteria. Poor methodological quality of the studies may be explained by the fact that none of them were specifically designed to validate a CAM questionnaire, but rather sought to describe the use of CAM in specific populations. However, in order to do this, questionnaires still need to meet validity and reliability criteria and be described in a comprehensive manner.
None of the included CAM questionnaires met the Terwee criteria for measurement properties. The lack of thoroughly valid CAM questionnaires may be explained by the relative novelty of research in CAM compared to other fields and the small amount of funding provided to do such research, especially before the creation of various funding agencies in the early 1990's such as the National Center for Complementary and Alternative Medicine (NCCAM) in the United States [38]. Moreover, funding agencies as well as the general public have been interested primarily in evaluating CAM use in specific populations possibly because it was most needed data to show the relevance of research in CAM. Furthermore, conducting validation studies takes time, money and energy, which may explain why researchers often engage in studies without using properly validated tools, even in fields other than CAM [39]. However, the fact that CAM questionnaires are not valid is a problem since results may not reflect the true use of CAM when such therapies are not clearly and comprehensively defined and presented to parents and children. An international CAM questionnaire was developed for adults and is currently being validated [40] but results may be difficult to extrapolate to children since perceptions concerning CAM may differ in these two populations [41]. Our results highlight the need for further research on defining and conceptualising CAM as well as developing valid questionnaires of its use, especially in pediatrics.
Using a research protocol similar to Terwee et al., helped to ensure credibility of our findings. However, the protocol as well as the COSMIN checklist and the Terwee score have been used for health status measures and not for CAM questionnaires. Because CAM questionnaires have been less extensively studied than health status measures, we encountered several difficulties in applying the same criteria. For example, the COSMIN checklist evaluates the methodological quality of validation studies, which were not conducted in CAM research and rendered parts of our assessment less pertinent. Furthermore, quality of reporting was very poor in CAM studies, which we tried to counteract by communicating with authors. Unfortunately, many did not reply and some replied without giving more details than their published work, which precludes us from knowing exactly how they proceeded to ensure their CAM questionnaires were adequate. Despite these limitations, we feel that currently available measures are inadequate and a new questionnaire is required.
In conclusion, our systematic review showed that many surveys have been conducted to document and understand the use of CAM in pediatrics without having properly validated their tools. Such tools, if valid, may prove to be useful in pediatric clinical settings to document the use of CAM as well as their perceived benefits and harms. This study highlights the need for research to define and conceptualise CAM as well as develop valid questionnaires of its use. Such tools may in turn lead to improved research and knowledge translation about CAM benefits and harms in clinical practice.
PRISMA Flow Diagram of Included Articles. Figure S1 presents a PRISMA flow diagram of articles included in the systematic review as well as the main reasons for rejection.
Domains Included in CAM Questionnaires. Figure S2 presents the different domains that were included in the CAM questionnaires included in the systematic review.
Characteristics of CAM Questionnaires Tested for Measurement Properties.
Protocol. Appendix S1 presents the protocol of the systematic review on measurement properties of CAM questionnaires.
Completed PRISMA checklist. Appendix S2 presents the completed PRISMA checklist for the systematic review.
Search Strategy. Appendix S3 presents the search strategy used to identify the CAM questionnaires.
COSMIN checklist and definitions of measurement properties. Appendix S4 graphically presents the COSMIN checklist and defines the various measurement properties used to appraise the methodological quality of CAM studies.
Cohen criteria. Appendix S5 presents the Cohen criteria used to evaluate the degree of testing of measurement properties of the included CAM questionnaires.
List of references. Appendix S6 presents the list of references for included studies.
The authors would like to thank Bharbhoor Dhaliwal for his assistance with the data extraction process, as well as Jessie McGowan and Soleil Surette, librarians, for their assistance with the search strategy design. Finally, many thanks to the authors of the questionnaires who responded to our e-mails.
Competing Interests: The authors have read the journal's policy and have the following potential conflict. There is a potential conflict of interest since the main author of this systematic review (KTA) has published articles that mention a CAM questionnaire. However, to minimize this potential bias, another member of the research team has been involved in the identification of studies, the extraction of data and the quality assessment. This does not alter the authors' adherence to all the PLoS ONE policies on sharing data and materials.
Funding: This project was funded by the Canadian Arthritis Network (http://www.arthritisnetwork.ca/about_can/about_can_en.php). Dr. Karine Toupin April has been supported by a postdoctoral fellowship from the Canadian Arthritis Network, The Arthritis Society and the Canadian Institutes of Health Research. Dr. Moher holds a University Research Chair. Dr. Stinson's research is supported by a Ministry of Health and Long-term Care Career Scientist Award. Dr. Ciarán M Duffy holds an Endowed Chair, Department of Paediatrics, University of Ottawa. Dr. Sunita Vohra receives salary support as an Alberta Innovates-Health Solutions Health Scholar. Dr. Peter Tugwell holds a Canada Research Chair in Health Equity. The funders had no role in study design, data collection and analysis, decision to publish, or preparation of the manuscript.
PubMed Central Canada is a service of the Canadian Institutes of Health Research (CIHR) working in partnership with the National Research Council's national science library in cooperation with the National Center for Biotechnology Information at the U.S. National Library of Medicine(NCBI/NLM). It includes content provided to the PubMed Central International archive by participating publishers.


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The Tang Dynasty
After the collapse of the Sui Dynasty a new dynasty rose to power, the Tang Dynasty. They had a strong government, and they had two capitals Chang'an and Luoyang. They had a lot of influence on their neighboring countries, because during this dynasty there was a large amount of expansion, and a large increase in trade with other countries.


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text: There are several blog posted on this website requesting ideas for new zombies and new plants. I just recently posted one requesting achievement ideas. Here's an idea for something that hasn't been posted: items. They can either be dropped by the zombies, or bought from Crazy Dave's shop. If it's in Crazy Dave's shop, how much would it cost? If it gets dropped by zombies, what might Crazy Dave say while introducing it? Make sure you give a description about what it does and what it might look like.


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I recently posted Recent Java 8 News, summarizing some of the recent developments in Java 8. In less than a week since publishing that post, several more significant Java news stories have come out and I summarize some of these in this post. Common themes include different Java SE 6 implementations and OpenJDK.
Java Security Issues Impact End-of-Life for Oracle Java SE 6 Implementation
In February 2012, Oracle extended the end-of-life for its Java SE 6 implementation from July 2012 to November 2012. This was later changed to February 2013 as shown in the Java SE EOL Policy under the section "Java SE 6 End of Public Updates Notice": "After February 2013, Oracle will no longer post updates of Java SE 6 to its public download sites." Plans were slightly changed, however, due to discovered security vulnerabilities that led to two more Critical Patch Updates (CPUs): Java SE 6 Update 41 and Java SE 6 Update 43. Note that the odd numbers in the releases (41 and 43) indicate CPUs rather than limited updates. Oracle encourage developers to move to Java 7 for future updates.
RedHat to Lead OpenJDK 6
It was announced this week that RedHat will take over leadership of the OpenJDK 6 project. As stated in the Red Hat press release, this move "effectively [extends] support for [OpenJDK 6] and its users." This is especially significant, of course, given the imminent end-of-life of the Java SE 6 implementation provided by Oracle.
Java on iOS
I recently posted on the announcement of plans to put JavaFX on iOS and Android. Now, there's talk via an OpenJDK JDK Enhancement Proposal (JEP #178 - "Statically-Linked JNI Libraries") of "[enhancing] the JNI specification to support statically-linked native libraries." This becomes even more interesting than it may initially sound when one considers implications such as the potential for this to allow Java applications to be deployed to iOS.
Complimentary (Free!) Admission to JAXConf US
It was announced this week that JAXConf US 2013 is open without charge to attendees to attend two days of keynotes and conference sessions (Tutorials day is $299). The conference is being held in Santa Clara, California, in early June (June 4-5).
Original posting available at http://marxsoftware.blogspot.com/ (Inspired by Actual Events)


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Wonder Woman (not Batman) is real star of 'Justice...
How the Warriors are spending their championship offseason
Dear Abby: Should I be more controlling with my girlfriends?
Berkeley white supremacist electrician out of a job after...
Relatives: Bay Area man killed in Barcelona attack
Burning man might be more fun than usual this year, here's why
GOP senator says Trump hasn't shown stability, competence
Dear Abby: With twins on the way, man still refuses to buy a ring
Horoscope for Friday, 8/18/17 by Christopher Renstrom
How much sleep 15 successful people get
Monthly Archive for August, 2008
Deja Poop: Best TV mom of all time
This post, which appeared on Jan. 5, 2007, will be our last Deja Poop entry. New posts starting tomorrow! While Andy Griffith didn't have a lot of strong competition as the Best TV Dad of All Time, …
Deja Poop: Best TV dad of all time
Thanks for bearing with the Deja Poop posts this week. (Except for the "Mac and Mutley" post, which was new.) Our page views were maybe 85 percent of normal, so we'll probably do this again. This post …
Gone But Not Forgotten: "Mac and Mutley"
I've had a lot of fun moments during interviews over the years, and following Doug McConnell in my car is definitely one of them. That dude is a human GPS. I met him at Marin Headlands, and it was …
Deja Poop: Paradise in the Westfield "Family Lounge"
Since Mike wrote this post on Oct. 9 2006, I've been to the lounge multiple times. It's one of the best-kept parent-friendly secrets in the Bay Area. Has anyone else seen something like this? -Peter …
Deja Poop: The four types of grandparents
This post by Kelly Mills is one of my all-time favorites. It's only 13 months old, but still really funny even if you've read it before. Originally published on July 24, 2007. –Peter Check out the …
Deja Poop: Best and worst zoo enclosures
This rant was my first post on The Poop, published on July 5, 2006. It was all downhill from here. It's worth noting that the camels at Oakland Zoo have been moved to a bigger enclosure, and the …
Deja Poop: Remembering Jet Plane Park in San Francisco
This post was written by Delfin Vigil on April 19, 2007. Del hasn't been writing on The Poop lately, but he was a co-founder of the blog, and still writes a ton of stuff for the paper. He also drops …
Deja Poop: Things no one tells you about being a parent
This post originally ran on Oct. 20, 2006. It was updated with this funny link, suggested by Coastsider, who still comments here frequently. I've been reading a bunch of good parenting books for a …
Deja Poop: Idiotic things people say to pregnant women
This post was written by The Poop co-founder Heather Maddan, who has since left the Chronicle to become editor of the baby Web site lilsugar.com. It ran on Oct. 26, 2006, when Heather was pregnant …
Deja Poop: My child's favorite toy is possessed by Satan
This post was originally published on July 10, 2006, back when our readership consisted of my parents, my wife and two public relations people for Babies 'R' Us. Please comment as if I wasn't trying …


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Telefonica, S.A., TEF is in the exchange NYSE and its industry is Telecom Services – Foreign in the sector of Technology. Based in Spain, Telefonica, S.A., TEF has a market cap of 45647.64. Since its IPO date on the 6/12/1987, Telefonica, S.A., TEF performance year to date is -11.52%. Today Telefonica, S.A., TEF has gained 2.29%, with a current price of 9.37.
Ownership of the company is 5.60% for insider ownership while institutional ownership is 1.50%. The management of the company have seen the company have a payout ratio of 120.00%. Return of assets are at 1.40%, with return on investment at 3.80%.
In terms of debt levels and profit levels, Telefonica, S.A., TEF is seeing a long-term debt/equity of 2.76. While Total debt/equity is 3.37. With a profit margin of 3.70%, this is combined with a gross margin of 73.50%, and operating margin of 5.90%. Telefonica, S.A. ability to meet debt levels, with a current ratio of 1, while the quick ratio is 0.9.
For the last year Telefonica, S.A., TEF has seen a EPS growth of -93.90%. A performance for the year of -26.66%. The 52-week high is -35.11%, and the 52-week low is 12.35%. The average volume for Telefonica, S.A., TEF is 941502.
With a target price of 10.55, can Telefonica, S.A., TEF reach this target? Looking at the value indicators of Telefonica, S.A., TEF. Telefonica, S.A. has a P/E of 1874 and a forward P/E of 12.28. Perhaps the more useful indicator than P/E, is PEG which has a value of 42.3. Telefonica, S.A. also has a P/S and a P/B of 0.88 and 2.32 respectively. For P/cash, Telefonica, S.A. has a value of 7.07, while it is 9.88 for P/free cash flow.
At the current price of 9.37, Telefonica, S.A. has a dividend yield of 9.50%. We see a return on equity of 8.60%.
Looking more long-term Telefonica, S.A., is projected to get an EPS growth for the next five years of 44.30%. In the short-term an EPS growth of 19.59% in the next year is forecasted. This is after a EPS growth of -93.90% for this year and for the last five years a -56.90% growth has been seen.


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e-Markets is meant for all Nordea corporate customers, who conclude deposits, trade in foreign currencies or want to keep an eye on financial markets. The service is used by thousands of companies across the globe.
e-Markets options:
Subscription to e-Markets service and additional information:
e-Markets uses Sun Java technology for Windows. The newest version of e-Markets can be downloaded automatically and is ready to use.
Test and install the necessary software
First test whether your computer corresponds to the requirements of the new e-Markets version. If you want to use the analysis function tools, then make sure that your computer also fulfils the additional user requirements.
You can download all necessary software based on the results of the test.
E-Markets and Analytics:Test


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Colossus is the annual technical fest of IEEE ASET. Cometh October and ASET is all set with the Colossus. Hoardings, social media brimming with a spate of posters, information, and graphics about Colossus— this sight isn't new for the city. In fact, this festival becomes bigger and better every year with increased student participation, dedication and with all the brainstorming.
A place to let your technical horses unleash, this fest is not the yield of a week's toil. In fact, preparations begin a quarter year before. Students bury out of books and gear up to mobilise others who'd willingly spare time to work for the festival. A rigorous session of interviews is organised on the basis of which students good at organising and co-ordinating are selected to form the organising committee.
Started in 2011, Colossus is known for its revolutionary ideas and extraordinary events. It's a two day long event held in October. Having a footfall of over 2000, this technical fest is attended by colleges from all over the country, catering largely to the youth. Colossus boasts of participation by stalwarts of technology. It bridges the gap between technical education and innovation. It is a much needed wave of technical activities, rich in diversity. It is a symbol of achievement and pride and a true testimony to the indomitable spirit, liveliness and sheer energy of youth.
We are living today in times where history is made and re-written every second. The youth of the country is an active, aggressive lot who observe and react. We are a country which has embraced our own rich culture, yet, are willing to explore those other than our own. Colossus this year hopes to utilize the concept of innovation through its literal meaning. In its endeavour to provide a platform to the youth to showcase their talents and skill sets in fierce competitions, this two day fest organises various competitions in the genres of coding, L.A.N. gaming, Robotics, quiz, fun etc. What's new this year? Colossus has a ton of new cool events lined up like Bit the pic, Techmania etc.
Colossus has proven itself an avenue not only for the students to compete, but also to learn and make new friends. At Colossus, apart from the cut throat competition, students are invited to simply revel in the college atmosphere. Their work culture is that of efficiency and creativity.
The fest has never failed in attracting sponsors, this year's sponsors being Zomato, CodeSchool, HDFC, Ruspi, Muscle Squad, New Delhi Times, BiryaniWala etc. Colossus is definitely the most exciting two days one can have in New Delhi.
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- Main article: Mages Guild Quests (Morrowind)
Arch-Mage is a Mages Guild quest in The Elder Scrolls III: Morrowind.
Quick walkthroughEdit
- Talk with Skink-in-Tree's-Shade in Wolverine Hall, in Sadrith Mora, speak with him about duties.
- Go to Vivec Mages Guild.
- Deliver the letter to Trebonius Artorius.
- Go to Edwinna Elbert in Ald'ruhn Mages Guild, speak with her about duties.
- Go to Vivec Mages Guild.
- Challenge Trebonius to a duel to the death.
- Go to Vivec Arena and defeat Trebonius.
Skip the Master Wizard rankEdit
Must be Wizard rank to choose this option
- Speak with Trebonius in the Vivec Mages Guild, he will challenge you.
- Go to Vivec Arena and defeat Trebonius.
Detailed walkthroughEdit
There are two alternatives to be Arch-Mage: fire Trebonius with a letter from Chancellor Ocato or kill him in a duel to the death in Vivec Arena.
The quest Galur Rithari's Papers must be completed.
Go to Skink-in-Tree's-Shade in Wolverine Hall, Sadrith Mora, and talk with her about duties, she will give a letter from the Chancellor Ocato firing him and promoting the Nerevarine to Arch-Mage.
Go to Vivec Mages Guild and give the letter for Trebonius and the Nerevarine will be promoted to Arch-Mage.
Duel to the DeathEdit
The quest Bethamez must be completed.
Go to Edwinna Elbert in Ald'ruhn Mages Guild and talk with her about duties, she will advise the Nerevarine to talk with Trebonius about being Arch-Mage.
Go to Vivec Mages Guild and speak with Trebonius, the Nerevarine will be challenged for a duel in the Arena. Then go to the Vivec Arena and defeat Trebonius.
Skip the Master Wizard rankEdit
Wizard rank is required.
It is possible to skip the Master Wizard rank and duel with Trebonius without speaking with Edwinna, the Nerevarine can go directly for him and be challenged to a duel in the Arena.
- +10 reputation
- Promotion to Arch-Mage
- Trebonius' Staff
- Promotion to Arch-Mage
|Edwinna Elbert asked me to talk to Arch-Mage Trebonius.
|Skink-in-Tree's-Shade asked me to deliver a letter to Arch-Mage Trebonius.
|Guildmaster Trebonius challenged me to a duel in the Arena in Vivec. The duel is to the death. Whoever wins will be the Guildmaster of the Mages Guild in Vvardenfell.
|I am the new Arch-Mage of the Guild of Mages in Vvardenfell.


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Demon Cat: Hiding in rock.he Has a doG with him!!!! NUuuuuuu!
Mudkip:The Cloak is Glowing!!!
Cloak:New power Obtained; Ice powers/Fridjitzu!,power to summon Tentacruels.
Guardian Angel:Let the Angel Pick You up!
Jake:Never!! I'll handle this you go handle the cat!
Demon:You Shall be Great Dinner *Laughs Evily*
Mudkip:Magic Cloak go!!!
Caltrop Nailstorm + Blizzard!!!
The Demon Cat's fur got shaved by the Nailstorm then Blizard froze him.
*Jake's Hand Became large and imPrisoned the Guardian Angel.
Mudkip Freezes her.
Dungeon Exit.
Mudkip:I got My Hair Back Nice.
Jake:That is one Cool hairstyle.
Mudkip:Indeed Bro.


text: i stopped using the barcode/image scanner apps because of that annoying clicking noise it makes CONSTANTLY when its autofocusing, also for the fact it was a pain to get it to grab the image/barcode -- but i just tried the apps again, specifically Google Shopper and it works great! you don't even have to hold the darn droid sideways which i hated too. btw is that constant clicking when autofocusing annoying to anyone else? there is no way to disable it is there? (my friend has an eris and is like WTH is that clicking noise when i was using barcode scanner).


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Ford chose the 2012 LA Auto Show as the place to publicly unveil the new 2014 Transit Connect Wagon. The Transit Connect Wagon is the passenger van version of the new Transit Connect and will come in two different seating configurations; a five-seat version and a seven-seat version. Power will come from either a 2.5L four-cylinder or a 1.6L EcoBoost engine. Autobyel's Editor-in-Chief, Michelle Naranjo, talked with Ford's Marketing Manager for Transit Connect, Marc A. Rogowski about the new wagon.
2014 Ford Transit Connect Wagon At The LA Auto Show
2014 Ford Transit Connect Wagon At The LA Auto Show
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Brand-new 2014 Ford Transit to Offer Diesel Engine


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Hoddle's King revelation
By Jo Carter
Last Updated: 01/01/70 1:00am
Wolves boss Glenn Hoddle admits he was interested in signing Marlon King.
In view of their home tie with Watford on Friday, Wolves manager Glenn Hoddle has praised Hornets boss Adrian Boothroyd's achievements at Vicarage Road this season.
The former England manager also admitted that he looked at signing Hornets striker Marlon King, who has scored 20 league goals this campaign.
"Boothroyd's done a fantastic job, he really has," Hoddle told Sky Sports News.
"He sticks to the way he wants to play, and he's been quite fortunate with injuries, they've not had too many injuries and that's worked out well for them.
"He's got good players. I think King is an excellent player, somebody we were interested in. [Ashley] Young is an exciting prospect for them and [Darius] Henderson does well.
"They've got a nice blend of experience and youth and they've deserved getting into the play-offs this year."
Hoddle still believes that his side have an outside chance of making the play-offs.
Wolves lie in seventh place in The Championship, ten points off Preston and Crystal Palace who occupy the final two play-off spots.
"Mathematically it's still possible, so whilst something's possible you still dream about it, but it is a very slim chance, we understand that.
"Without a doubt, we've got to go in and win all four of our remaining games, one of them being Preston and they've got to lose the rest, so it's a very slim chance, but it is still there.
"We've got to look at it that if we win the next two, and they lose the next two, who knows, then going into the game it's a different scenario.
"But overall, with four games to go, it's going to be very difficult."
Meanwhile, Wolves have recalled Keith Lowe from his loan spell at Swansea City.
With injury concerns for the two games over the Easter weekend, the Wolves manager was left with little option but to call upon Lowe for defensive cover.
"We have illness problems with Mark Davies and Jody Craddock and Jody's wife gave birth overnight which is good news although he was up all night," Hoddle said in his pre-match press conference.
"Denes Rosa, Darren Anderton and Jackie McNamara are all unfit and with Mark Clyde still out, and Gabor Gyepes having suffered a long term injury, it has left us a bit short."
Wolves host Watford on Friday evening at Molineux, live on Sky Sports 1.


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What if Your Team was Stronger than the Sum of Its Parts?
Building Strong Teams
The benefits of building a strong, cohesive, motivated team are multi-faceted.
A strong team leads to creative collaboration and innovation.
A strong team is much more likely to successfully meet its goals.
A strong team is composed of an enthusiastic, productive staff that stays put.
A strong team has focus, camaraderie, and makes going into the office worthwhile.
A strong team requires accountability, clear strategies and processes, and good communication skills.
So, how do you build this kind of a team?
Every team is unique. This BRODY program customizes the team-building process, focusing on each group's particular needs and dynamics, to help the team solve problems, communicate more effectively, and grow stronger than the sum of its parts.
Learning Outcomes
Participants who complete this program will be better able to…
• Articulate the goals and strategy driving their team's performance.
• Clarify roles within and between teams to create ownership of results.
• Identify new processes needed or improve existing ones to streamline work flow and communication.
•Engage in critical conversations to increase feedback and mutual accountability.
Target Audience:
• Intact teams or project teams newly formed.
• Interdependent teams having communication or performance issues.
Program Outline:
Each program is customized to meet specific client objectives
Customized workbook and Critical Communications: Strategies for Success "mini" book by Marjorie Brody


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Gary Wild Photographer
Angelina HodgesMakeup Artist Female San Diego, California, US
My MM URL: http://www.modelmayhem.com/AngelinaHodges
Mayhem # 1551100
About MeHello,
My name is Angelina Hodges. I would like to collaborate with photographers, models, fashion stylist, hairstylist .....everyone to create art. I enjoy exploring periods and fantasy looks to capture the work in high fashion photo shoots. I don't have one particular era or style, it's to hard to chose:) Along with being a makeup artist, I am currently enrolled in Bellus Academy Doing hair enables me to enjoy the end result that much more. I love it all! As a graduate of Cosmix School of Makeup Artistry, I can say that I am a professionall. Why did I become a makeup artist? I find it beyond exciting to have an empty canvas and watch the transformations.
Beauty Makeup
Injury Simulation:
Personality: I am a happy person and love to laugh! I hope to work everyone out there:)
Have you worked with Angelina Hodges? Add Credits for Angelina Hodges! >>
Gary Wild Photographer
Hollie Berry Beauty Makeup Artist
28Cameras Photographer
Briana Hair Wizard Hair Stylist
KennyPierr... Photographer
DonnaToni Model
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Wholesale Investor, Australia's leading private investment platform, will host the New Zealand Showcase Lunch 2014 in Auckland on Friday April 11
AUCKLAND, NEW ZEALAND - Wholesale Investor, Australia's leading private investment platform, will host the New Zealand Showcase Lunch 2014 in Auckland on Friday April 11.
Presented in association with principal support partners NZTE, PwC, DLA Piper, Innovest, TBK Capital and Pacific Channel, the Showcase will provide up to 80 high net worth and professional investors with the opportunity to gain direct access to 9 high growth Private, Pre-IPO and Listed Companies in Aviation, Life Sciences, Internet, Technology and Manufacturing sectors in one afternoon.
"We are proud to be showcasing 9 of New Zealand's most innovative and diverse companies to investors, fund managers and brokers. New Zealand is an innovative nation and the success of companies like Xero, Vend and A2 Corporation has caught the attention of investors. The event provides them with a rare opportunity to speak directly with the CEO, and gain information straight from the source."
GUEST SPEAKER: Scott Bradley, CEO of VMob
VMob Limited has designed a mobile marketing platform that delivers highly effective promotions and loyalty programmes in real time. VMob's technology uniquely combines social profiling, geo-location and transactions to help retailers and brands understand their customers and connect with them through perfectly timed promotions and rewards.
VMob works with some of the largest brands around the world such as McDonalds, Exxon, DDB Tribal and Yellow Pages delivering its platform.
The company is listed on the NZ stock exchange (NZX: VML) and operates in London, Singapore, Jakarta, Sydney and Auckland.
3 examples of the companies being featured are:
CricHQ Limited – Internet / Social Media
CricHQ was founded by Stephen Fleming (ex-NZ Cricket Captain), Brendon McCullum (Current NZ Cricket Captain) and Simon Baker (Tech Entrepreneur) along with over 20 international cricketers as shareholders including David and Mike Hussey, Brad Hodge and George Bailey.
The global opportunity is significant with Cricket being the worlds 2nd largest sport with over 3 billion fans. CricHQ provides unique benefits to all stakeholders including administrators, fans, players and coaches. The CricHQ technology platform is the preferred choice of technology with over 120 cricketing body clients and a user base of 750,000+ cricket fans from all over the world. This is projected to exceed 6.5mil by April 2015.
Key partnerships have been established with global governing bodies the ICC and FICA as well as with content and distribution partners Samsung, Nokia and Blackberry which enables the projected growth.
Martin Aircraft Company Ltd - World's first practical and commercial jetpack
Martin Aircraft Company has developed the world's first practical and commercial Jetpack. Powered by a V4 200hp engine driving two ducted fans, it has been flown to over 3,000 feet and can travel at up to 74km/h.
This aircraft will be the basis for the first commercial release of a Jetpack in 2014, suitable for a Government and Agency market under the banner of "first responder" to service areas such as the fire service, search & rescue, disaster recovery and border security.
Engender Technologies Ltd – Animal Breeding
Livestock raising is a trillion-dollar industry, and the most important trait in animal value is gender. Engender is an Auckland based startup that aims to revolutionise the dairy industry, by creating the world's first cost-effective and reliable sex-selection tool for cattle.
Using technology gentle on sperm, chip-based microfluidics and beams of light to detect and nudge individual sperm cells, Engender has the potential to reach throughput and fertility levels that would see mass adoption of sex-selection services by the dairy industry for the first time.
These are just 3 of the 9 stories to be shared on the day!
Entry is free. Lunch will be provided.
Date: Friday 11 April 2014
Time: 12.00pm-2.00pm
Venue: NZTE Office, Level 6, 139 Quay Street, Auckland 1010
Catering: Lunch and drinks will be supplied throughout the event
Cost: This is a free event for investors, stockbrokers and fund managers
To register for the New Zealand Showcase Lunch 2014, please go to:
Presenting Companies include:
VMob Ltd
Martin Aircraft Company Ltd
Optimizer HQ Ltd
Engender Technologies Ltd
CricHQ Ltd
Footfalls and Heartbeats Ltd
Freeflow Pipes Ltd
5th Element Ltd
Heyrex Ltd
VMob Ltd
VMob Limited has designed a mobile marketing platform that delivers highly effective promotions and loyalty programmes in real time.
Martin Aircraft Company Ltd
Martin Aircraft Company has developed the world's first practical and commercial Jetpack.
Optimizer HQ Ltd
Optimizer HQ delivers cloud based technologies; delivering simplified technologies to small businesses that help them find, win, keep and grow great customers.
Engender Technologies Ltd
Engender aims to revolutionise the dairy industry, by creating the world's first cost-effective and reliable sex-selection tool for cattle.
CricHQ Ltd
CricHQ is a cricket social network that connects players and fans through social network functionality, including live cricket scoring, notifications and news feeds.
Footfalls and Heartbeats Ltd
Footfalls has developed a proprietary process for manufacturing smart textiles proven to measure in real-time compressive force, tensile force and temperature.
Freeflow Pipes Ltd
Freeflow has a unique, patented, aluminium product that is demonstrated to be the most effective, cost effective, strongest, best looking and most durable downpipe in production.
5th Element Ltd
5th Element Ltd has developed a superior robotic ("bionic") prosthetic hand to better enable amputees to resume their lives with confidence, dignity, and in comfort.
HeyRex Ltd
Heyrex Limited is a New Zealand data and technology company that provides a unique activity and wellbeing monitoring service for animals…and now humans.
Contact Profile
Wholesale Investor
Wholesale Investor is Australia's leading private investment platform showcasing Private, Pre-IPO and Life Sciences ASX Listed Opportunities to over 8,600 High Net Worth, Professional and International investors.
Steve Torso
P: Ph: 1300 597 595
W: www.wholesaleinvestor.com.au/


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Simplistic summer dresses are my all time favorite. There is nothing better than being able to easily throw on a light little dress when the temperatures outside are scorching.
When I picked this one up from Forever 21, I knew it would be one of my summer staples. Not only is it the perfect little grey t-shirt dress, but it has a fantastic knotted cut out in the middle, adding just a touch of edge. This dress has served as my go to throw on for running errands or heading to the pool.
Feeling the edgy vibe, I added studded sandals, layered necklaces and some cat eyed sunnies and topped it all off with my newest obsession, my 'Natural Stone Minty Fresh Bracelet Stack' from t+j Designs. Seriously, these bracelets are SO cute. I've been wearing them with anything and everything, and love mixing them in with other bracelets, especially because they add a much needed pop of color. Now, I'm definitely eyeing the 'Natural Stone Watermelon Bracelet Stack' ... actually can I just have them ALL? They would definitely make for the cutest arm party EVER.


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|Look up periplus in Wiktionary, the free dictionary.
Periplus is the Latinization of an ancient Greek word, περίπλους (periplous, contracted from periploos), literally "a sailing-around." Both segments, peri- and -plous, were independently productive: the ancient Greek speaker understood the word in its literal sense; however, it developed a few specialized meanings, one of which became a standard term in the ancient navigation of Phoenicians, Greeks, and Romans.
A periplus was a manuscript document that listed, in order, the ports and coastal landmarks, with approximate intervening distances, that the captain of a vessel could expect to find along a shore.[1] It served the same purpose as the later Roman itinerarium of road stops; however, the Greek navigators added various notes, which if they were professional geographers (as many were) became part of their own additions to Greek geography. In that sense the periplus was a type of log.
The form of the periplus is at least as old as the earliest Greek historian, the Ionian Hecataeus of Miletus. The works of Herodotus and Thucydides contain passages that appear to have been based on periploi.[2]
Surviving periploi
Several examples of periploi have survived:
- The Periplus of Hanno the Navigator, a 6th century BCE Carthaginian colonist and explorer, described the coast of Africa from present-day Morocco deep into the Gulf of Guinea.
- The Massaliote Periplus, a description of trade routes along the coasts of Atlantic Europe, possibly dating to the 6th century BCE
- Pytheas of Massilia, (4th century BCE) On the Ocean (Περί του Ωκεανού), has not survived; only excerpts remain, quoted or paraphrased by later authors, notably in Avienus' Ora maritima.
- The Periplus of Pseudo-Scylax, generally thought to date to the 4th or 3rd century BCE.
- The Periplus of the Erythraean Sea was written by a Romanized Alexandrian in the 1st century CE. It gives the shoreline itinerary of the Red (Erythraean) Sea, starting each time at the port of Berenice. Beyond the Red Sea, the manuscript describes the coast of India as far as the Ganges River and the east coast of Africa (called Azania).
- The Periplus Ponti Euxini, a description of trade routes along the coasts of the Black Sea, written by Arrian in the early 2nd century CE.
A periplus was also an ancient naval manoeuvre in which attacking triremes would outflank or encircle the defenders in order to attack them in the rear.
- ↑ Kish, George (1978). A Source Book in Geography. Cambridge: Harvard University Press. p. 21. ISBN 0674822706, ISBN 9780674822702.
- ↑ Shahar, Yuval (2004). Josephus Geographicus: The Classical Context of Geography in Josephus. Mohr Siebeck. p. 40. ISBN 3161482565, ISBN 9783161482564.


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Carol Deptolla - Top 30 Restaurants 2016
At the Bartolotta group's swanky downtown restaurant, chef Nick Wirth has been breathing new life into Bacchus' entrées. The ideal roast chicken, with juicy meat and crisp skin, now is matched with herbed buttermilk dumplings, mustard greens and Madeira sauce, for instance. Desserts by pastry chef Allie Howard are as wondrous as ever; in summer, a dessert called Chocolate 'n Peanut filled a peanut poundcake shell with chocolate mousse and candied peanuts, embellished with caramel and chocolate ice cream. - Carol Deptolla, Milwaukee Journal Sentinel Food Critic


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Question: An American roulette wheel contains 18 red numbers 18 black
An American roulette wheel contains 18 red numbers, 18 black numbers, and 2 green numbers.
The following table shows the frequency with which the ball landed on each color in 200 trials.
View Solution:
The following table shows the frequency with which the ball landed on each color in 200 trials.
At the 5% significance level, do the data suggest that the wheel is out of balance?
View Solution:
Answer to relevant QuestionsA gambler thinks a die may be loaded, that is, that the six numbers are not equally likely. To test his suspicion, he rolled the die 150 times and obtained the data shown in the following table. Do the data provide ...Table 12.4 on page 482 showed the calculated sums of the observed frequencies, the expected frequencies, and their differences. Strictly speaking, those sums are not needed. However, they serve as a check for computational ...Refer to Table 12.11. Consider the variables "gender" and "college." a. Group the bivariate data for these two variables into a contingency table. b. Determine the conditional distribution of gender within each college and ...The American Hospital Association publishes information about U.S. hospitals and nursing homes in Hospital Statistics. The following contingency table provides a cross-classification of U.S. hospitals and nursing homes by ...The Scottish Executive, Analytical Services Division Transport Statistics, compiles information on motorcycle accidents in Scotland. During one year, data on the number of motorcycle accidents, by day of the week and type of ...
Post your question


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Europe, Middle East & Africa
Click on each of the steps below to read more about the application process.
The first thing to do is learn as much as you can about the finance industry and the major firms in it.
- The industry: start with basic industry guides, browse finance and news websites and read business publications.
- The companies: research the major firms, look at their history and their websites, and talk to friends, family and your careers advisor. Try to understand the values and methods that make those firms different from each other.
- Your education: are you a university graduate or still studying? Are you a recent graduate, or have you had some work experience? We recommend our internship programs for those still studying and our Graduate Training Program for recent graduates.
- Once you've decided to apply to UBS, learn about our competency-based evaluation process in our 'How we assess you' section.
Attend recruitment events
- Campus events: be on the lookout for career events, and pay careful attention to postings and emails from your university career center and college departments.
- UBS events: check our events calendar, and register in advance to attend UBS recruitment events in your area.
Prepare your CV and yourself
- Prepare your CV and think about questions that recruiters might ask – and how you'd answer them.
- Where possible, tailor your CV to suit the industry. Make sure it looks professional, and is clear, accurate and up to date.
- Think about how you would answer the open-ended questions found on most of our online application forms. Remember, your responses will be evaluated against the firm's basic competencies that are outlined in our 'How we assess you' section.
- Get feedback on your CV and your responses to the open-ended questions from family and friends, teachers or any professionals that you know.