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How to drive your business into the ground
Josh Nowack
January 7, 2017
From time to time, clients will ask me to check out investment opportunities. And for avoidance of doubt, I do so not to recommend an investment and certainly not to sell investments. I am not a financial advisor. But being in the finance professional industry, it's shop talk.
So let's talk about Richardson Electronics. RELL is its stock quote symbol....
Carpe Deductions
Josh Nowack
January 3, 2017
Now is the time to seize the day. Okay - maybe we are a few days too late. If your head has been under a rock for the past two months - let me fill you in.
We have a Republican as president elect. We also have Republican majorities in the House and Senate. The top legislative agenda topics I have heard are to repeal Obamacare (Affordable Care Act) and to...
Offers in Compromise
Josh Nowack
February 17, 2016
Believe it or not, even the IRS can have compassion in your more desparate times. The Offer in Compromise process allows taxpayers who truly have no chance of paying off their tax debts in a reasonable (six years) period of time. The general premise is that the IRS will settle debt outstanding, but it's not quite like what you see on television. While I guess it's possible...
Insurance Policy Review
Josh Nowack
January 27, 2016
Most people who purchase life and/or disability insurance policies have excellent intentions. They want to protect their loved ones, lessen estate/gift taxes, enhance retirement income and lower income and capital gain taxes, among other reasons. Unfortunately, after they make the initial purchae, they put those policies in a file cabinet and the annual statements end up in the...
College Interview Tips
Josh Nowack
January 26, 2016
Having done this since 2011, I have compiled a list of tips, in no particular order, for your consideration during our time together. This list is not based off of some internet forward. This list is unique to me. Admittedly, I have some pet peeves. I am also a very direct person. Perhaps it's the New Jersey, but I figure that it may be helpful to disclose...
Happy New Year
Josh Nowack
January 1, 2016
Happy New Year and welcome to 2016!
This new year brings forth an amazing new tax extenders bill passed just before the Christmas holiday. Of specific interest to many of my clients, the key provisions included:
- keeping the section 179 expenses and making them permanent. At least now we have consistent guidance for us to plan. For the past few years,...
Internal Revenue Service adopts optional disclosure rules on charitable contribution reporting
Josh Nowack
December 10, 2015
Using the unusual venue of an e-mail, IRS has sought to assure charitable organizations that proposed regs issued in September wouldn't make mandatory changes to the way donees currently acknowledge charitable gifts of $250 or more. The proposed regs would merely implement an optional donee reporting procedure, authorized by Code Sec. 170(f)(8)(D), for substantiating such charitable...
Penalties for failure to distribute W2 and 1099 forms
Josh Nowack
December 2, 2015
The Employment Development Department (EDD) reminds employers that they must provide employees with a federal Wage and Tax Statement (Form W-2) by January 31 (unless the due date falls on a Saturday, Sunday, or legal holiday, in which case the due date is extended to the next business day) pursuant to Cal. Unemp. Ins. Cd. § 13050 . Failure to provide a Form W-2 to each employee, or...
Personal Financial Planning
Josh Nowack
November 10, 2015
Periodically, folks will ask me investment oriented questions. My first response is that I'm a tax advisor. I make tax specific recommendations and I avoid making specific investment recommendations. Sure, I'll tell a younger person that they shouldn't keep their money under the mattress or a person on social security that they should scale back their emerging market...
New Ways & Means leadership tasked with tax extender legislation.
November 6, 2015
Less than a day after winning the post recently vacated by Paul Ryan (R-WI), new Ways and Means Committee Chairman Kevin Brady (R-TX) was called on by major industry groups to address the currently expired temporary tax provisions known as extenders. This article provides an overview of extenders and some background on Chairman Brady that may shed some light on how he will choose to address...
Potential Pfizer-Allergan merger brings corporate inversions back into the spotlight.
November 5, 2015
U.S. pharmaceutical company Pfizer Inc. and Irish Botox maker Allergan Plc have publicly indicated that they are engaged in "friendly" merger talks, reflecting Pfizer's second major attempt in as many years to shift its headquarters out of the U.S. in a so-called corporate inversion. Although IRS issued administrative guidance last year in efforts to make it more difficult for...
Business Continuity - El Nino can make you think about such things
Josh Nowack
November 4, 2015
Living in Southern California, you'd think that we wouldn't talk about the weather. Wrong. We talk about the weather all the time. When it's 82 degrees, it's too hot. When it's 78 degrees, it's too cold. We need the rain, but as soon as it gets cloudy, we get cranky and ask for the return of Apollo. I digress.
Our forecasters have had something to...
For everything there is a season - tax planning season is here!
Josh Nowack
October 30, 2015
If for everything there is a season, then November is planning season. In my practice, November is the time in which I begin planning how I want my next tax season to go. In fact, I'll spend much of this week at a conference learning about the upcoming rule changes and more. When I'm out of the office for a few days, it becomes remarkably easier to think about the buisness I...
Disband the IRS? Heresy!
Josh Nowack
October 30, 2015
What would a presidentail election cycle be without idealistic candidates preaching the values of a flat tax and to throw away the Internal Revenue Service and the Internal Revenue Code. While I am fully aware of the complexities of the tax code and some of the potentially questionable behavior of the folks at the Service, there are a couple of things to consider before you buy into the...
The IRS is now sharing information with foreign governments
Josh Nowack
October 23, 2015
The Internal Revenue Code has long since included a provision that you are taxed on your WORLDWIDE income - from WHATEVER source derived. In fact, it was the IRS that brought Al Capone because of tax matters (failure to report income). To facilitate "voluntary" compliance, Congress passed FACTA which imposes all kinds of gnarly penalties for folks stashing money offshore and...
Should I invest in a 529 plan?
Josh Nowack
October 23, 2015
When I'm asked a question three times in a week, it's time to do a blog post about it. 529 plans take their name from the section of Internal Revenue Code that governs their use. Officially, they are called Qualified Tuition Programs and they allow for the prepayment of higher education costs on a tax-favored basis.
There are two types of programs: prepaid plans,...
Reducing Exposure to the NIIT (Obamacare) Surtax
Josh Nowack
October 20, 2015
Year end is tax planning time. For those taxpayers that make more than $250,000 ($200,000 if you're single), you may have some exposure to a 3.8% net investment income tax. This tax is assessed on your passive investments (i.e. bank interest, dividends, annuities, royalties, etc). Real estate has other rules that MAY apply depending on whether or not you're actively...
Oh darn! You've just received an audit notice from the IRS
Josh Nowack
October 19, 2015
So you open up your mail and you see three words that drive fear into even the most honest people – Internal Revenue Service. The letter reads something like – your return has been selected for examination – as if you've won a prize. They let you know that you have rights, which are indeed important. After you pick yourself off the floor –...
Tax Due Date Updates
Josh Nowack
August 10, 2015
The recently enacted "Surface Transportation and Veterans Health Care Choice Improvement Act of 2015" (P.L. 114-41) contains significant changes to filing deadlines and extensions for certain business and special entity tax returns. Tax practitioners can use the following letter to provide clients with information about those changes.
On July 31, 2015,...
Justice for Tom Brady?
Josh Nowack
July 31, 2015
I admit, I ever have been a fan of Boston teams. I wouldn't even lay claim to being a sports enthusiast. But Boston teams can just rot - Bruins, Pats, Red Sox - rub me the wrong way. So, to hear that the NFL commissioner upheld his 4-game suspension and fined the Pats a $1 million, actually brightened my day. The notion that Kraft was wrong to trust the NFL or that...
IRA Planning Mistakes as provided by MFS
July 29, 2015
I recently attended a seminar hosted by MFS Mutual Funds. The presentation reviewed some of the top IRA planning mistakes. I've added a couple based on my experience as well.
- Not taking advantage of the Stretch distribution option or not establishing it properly. The Stretch IRA is a way for each IRA beneficiary to maximize payouts over his or...
Finding investment property
July 24, 2015
How to Make the Right Choices when Acquiring New Assets.
1. Distressed properties. These offer the best opportunities for creating value. Be sure to avoid floor-plan obsolescence and structural problems. Analyze the property as if you were going to live in it. Be aware of properties with major structural problems....
2015 Tax Update
July 16, 2015
The following is a summary of important tax developments that have occurred in the past three months that may affect you, your family, your investments, and your livelihood. Please call us for more information about any of these developments and what steps you should implement to take advantage of favorable developments and to minimize the impact of those that are unfavorable.
Taxpayer Advocate Report to Congress
July 16, 2015
In her midyear report to Congress, National Taxpayer Advocate (NTA) Nina Olson reviewed the 2015 filing season and identified a number of priority issues the Taxpayer Advocate Service (TAS) will address in the upcoming fiscal year. Key areas highlighted in the report are IRS's long-term strategic planning, tax-related identity theft, and administration of the Patient Protection and Affordable...
Supreme Court Rules in Favor of Marriage Equality
June 26, 2015
The Supreme Court, in a landmark 5-4 decision, has ruled that same-sex marriage is a right guaranteed by the 14th Amendment and that a States are thus required to both license a marriage between two people of the same sex and recognize a lawful same-sex marriage performed out-of-State. (Obergefell v. Hodges)
The majority opinion, written by Justice Kennedy and joined by Justices...
Daylight's burning on the solar energy credit
Josh Nowack
June 12, 2015
One key provision from the ARRA of 2009 included a 30% tax credit for installing solar panels for both businesses and homes. So, if you take an average home installation of $30,000, that means, the taxpayer would get a non-refundable credit of $9,000 on their tax return. A nonrefundable credit means that if you don't have a $9,000 tax bill, then your credit is suspended until next...
Blogging tips from Scott Robertson
Josh Nowack
June 10, 2015
On June 9, I changed up the format of my newsletter. Scott Robertson, who heads up Robertson Communications, who happens to be on distribution, cared enough to send some kudos to me on changing up the format. He was also kind enough to share some tips in terms of blog writing that I thought were solid tips.
- Make certain that your contents who you are.
- Your...
IRA as a rollover disallowed by Tax Court and 8th Circuit
Josh Nowack
June 10, 2015
Many clients have approach me regarding the merits of self-directed IRAs. These accounts allow normal folks to pick and choose the investments of a retirement account. Most commonly, a self-directed IRA will take a position in real estate, like owning an apartment building. Some folks have gone out to invest in new business ventures. Say, you've worked and mustered up...
100,000 Taxpayers have the their data compromised
Josh Nowack
June 1, 2015
As you may have heard by now, the IRS issued a statement in which it announced that criminals gained unauthorized access to information on approximately 100,000 tax accounts through IRS's "Get Transcript" application. The data included taxpayers' Social Security information, date of birth, and street address.
It's important to realize that perpetrators gained...
Ten Tax Savings Strategies
Josh Nowack
May 19, 2015
Here are ten strategies you can deploy to manage your tax bill:
- Max out retirement plan contributions - both define benefit and defined contributions
- Consider a Roth IRA conversion
- Review highly appreciated assets
- Give increased attention to buy-and-hold strategies
- Augment your tax-advantaged investments with muni...
Quick Poll - Pay too much taxes?
Quick poll - how do you feel about your tax bill?
CP2100A Notices - What the heck does that mean?
Josh Nowack
May 1, 2015
We have seen an increase in the number of CP2100A letters issued by the IRS. This is the letter issued when the social security number listed on an information return, such as a 1099-MISC or a W-2, doesn't match the name per the social security administration.
The letter is cryptic, hard to read and hard to know the right thing to do. Kind of like the rest of...
Captive Insurance Busted by the IRS
Josh Nowack
April 30, 2015
While I still advocate for captive insurance in the right circumstance, one of the key elements of a captive insurance company is that it has to actually be a real insurance company. Real insurance companies have multiple policyholders and claims. Insurance companies take on risk (and then sometimes offload said risk by way of reinsurance). And barring really bizarre events,...
Capital Loss Carryforwards and Capital Gain Distributions
Josh Nowack
April 10, 2015
If I look up the definition of Capital Loss Carryover, I get the definition below:
The net amount of capital losses that aren't deductible for the current tax year but can be carried over into future tax years. Net capital losses (total capital losses minus total capital gains) can only be deducted up to a maximum of $3,000 in a given tax year. Any amounts...
What happened to my deductions?
Josh Nowack
April 8, 2015
Higher income taxpayers, particularly wage earners are now subject to Clinton-era phaseouts of itemized deductions. Please read on to learn more.
Blair v. Commissioner (1980)
US Tax Court
April 8, 2015
US Tax Court involving MBA tuition - Blair v. Commissioner
What do we need to prepare your income tax return?
Josh Nowack
April 8, 2015
Thank you for the opportunity to be of service to you. When sending in your tax documents, please be sure to consider the following:
Personal Information
- Social security number(s) and date(s) of birth for everyone that will appear on your tax return
- Amount of any alimony paid and ex-spouse's full name and social security...
Tax rates by state
Josh Nowack
April 1, 2015
Income State Summary by State
|Read More...
Exempt yourself at your own peril.
Josh Nowack
March 25, 2015
In this world, nothing can be for certain except death and taxes. Oh Uncle Ben - if you only knew!
Wage earners have little choice in terms of withholdings. Their employer, in accordance with federal and state law, in conjunction with how you've completed Form W-4, will withhold and make estimated tax payments on your behalf throughout the year. It's prety straight...
CLAT - Helping yourself while helping others!
Josh Nowack
March 25, 2015
While this sort of plan is likely not appropriate for most of my client base...today...my sneaky suspicion is that it will become quite relevant in the coming years. A CLAT (more formally known as a charitable lead annuity trust) is a trust that allows your to contribute to your favorite charity in a very efficient manner. What do I mean exactly? Read on.
So let's...
Can't make this stuff up!
Josh Nowack
March 25, 2015
From a colleague of mine off of a new clients pre year's return
General Footnote to Form 1040
Over the years, we have found it a best practice to provide information about certain deductions and situations to the IRS with the return so the IRS doesn't have to come and ask. This approach has been tailored to the IRS concerns and taxpayer needs for understanding and...
Careful of Wash Sales
Josh Nowack
March 13, 2015
Every year while reviewing consolidated broker statements, I go through an exercise of reviewing all of the stock transactions. As a result, every now and then, I'll see a code "W". Now, code "W" on a broker statement means a wash sale. Now taking a bath on a stock is never a good thing - including in wash sales.
Under these rules if you sell stock for a loss...
Executive MBA Tuition Deduction
Josh Nowack
March 5, 2015
As part of the MBA tuition deduction, which represents a good chunk of my tax practice, folks will ask whether or not they qualify. This really hinges typically on one key point -- does the MBA qualify the student for a new trade or business.
It is a great question that is asked many times each year. In general, education is not deductible if it is part of the minimum skills...
Adoption Credit
Josh Nowack
March 5, 2015
It was indeed pretty cool that in 2005 my brother and I became parents just a few months apart. After all, with a four year age difference, we were always one step apart in life's events. I entered high school, he went to college. I entered college, he graduated, etc. For the first time, we went through life's events at the same time.
There was, of...
Consultant Myths
Josh Nowack
March 5, 2015
Some of the lovely things I hear in my practice - entertaining, but not true.
Tax Deductible Expenses for Film/Video/Animation Creators
Josh Nowack
February 19, 2015
Flimmakers, Video Makers and Animators: Use this list to help organize your film tax, video tax, and animation tax preparation.
This is a basic list of typical expenses incurred by film and video makers and animators. You may have others.
Obama Announces Plans for Free Community College
Josh Nowack
January 12, 2015
Recently, President Obama announced his proposal to make community college education free for those willing to work for it (https://www.youtube.com/watch?v=d-QDfEMXAgk). Now, of course, details are preliminary about who would be covered and how the government would pay for the program. And, we can argue about the need...
Our New Website!
Josh Nowack
January 5, 2015
Nowack is excited to announce the recent launch of our firm's new website. We've been working very hard to enhance our website and give our firm a fresh look. We've also continued to research and identify the latest and greatest technologies to improve the services we provide and ensure we continue to meet your needs.
Take a moment to look around our new website and...
Industry Deductions: Fitness Instructors
Joshua Nowack
December 5, 2014
Within every industry, there are expenses that employees incur that are seldom reimbursed by their employer. Some fitness instructors are employees, while others are independent contractors. This article isn't to debate the difference between an employee versus an independent contract. However, it is an article of commonly incurred expenses that you should take to your tax professional...
Small nonprofit reporting requirements
Joshua Nowack
November 11, 2014
To comply with California and Federal requirements, small nonprofits (less than $25k in receipts for California nonprofits) can file a "postcard." We would need the following data points:
California Corporation number
Accountant jokes
Joshua Nowack
November 6, 2014
1. Welcome to the accounting department, where everybody counts.
2. What does CPA stand for? Can't Pass Again.
3. It's accrual world.
4. It's 4:04. Do you know where your auditor is?
5. Where do homeless accountants live? In a tax shelter.
6. A fine is a tax for doing wrong. A tax is a fine for doing well.
7. How do you know...
In 2015, Various Tax Benefits Increase Due to Inflation Adjustments IR-2014-104
Joshua Nowack
October 30, 2014
In 2015, Various Tax Benefits Increase Due to Inflation Adjustments
Year End Tax Considerations on Getting Married
Joshua Nowack
October 30, 2014
As if the process of getting married isn't complex and difficult enough, prospective spouses also need to take income tax considerations into account before tying the knot. That's particularly true for those who plan to marry late this year or early next year. From a federal income tax standpoint, those marrying next year may come out ahead by deferring or accelerating income,...
Internal Revenue Service phone scam
Joshua Nowack
October 11, 2014
The IRS has seen a recent increase in local phone scams across the country, with callers pretending to be from the IRS in hopes of stealing money or identities from victims.
Charitable contributions above $5000
Joshua Nowack
October 6, 2014
Most folks know that when you make a charitable contribution that keeping receipts is important. One taxpayer found out the hard way of when keeping receipts isn't enough. The tax court recently ruled against a taxpayer who had claimed about $27,000 worth of charitable contributions. The deduction was disallowed because he did not obtain an appraisal as required by for contributions...
Life Stages: First Job
Joshua Nowack
October 3, 2014
Congratulations! You are a newly minted college graduate! The world is your oyster. You are finally earning above minimum wage. Dare I say you are finally earning money and now you're financially independent.
Okay, let's not get crazy. You might not be financially independent. But before you start spending yourself to oblivion, let's go over basic...
Year End Tax Tips: Individuals
Joshua Nowack
October 2, 2014
Year-end tax planning is especially challenging this year because Congress has yet to act on a host of tax breaks that expired at the end of 2013. Some of these tax breaks may be retroactively reinstated and extended, but Congress may not decide the fate of these tax breaks until the very end of this year (and, possibly, not until next year). These breaks include, for individuals: the option...
What's the big deal about tax inversions?
Joshua Nowack
September 30, 2014
So, here we are again. The White House is saying that corporations that pursue an off shore tax inversion strategy are unpatriotic and taking away from hard working Americans. It's a populist statement. But here's the problem…it's absolutely legal and part of the Internal Revenue Code. Let's think about that. A law was passed that made tax inversions an...
Over 70 1/2? Check into the required minimum distributions…
Joshua Nowack
September 27, 2014
As the final quarter of the year approaches, more season taxpayers need to keep a careful eye on their required minimum distributions (RMDs) for the year, as a stiff penalty applies to those who don't withdraw enough from their retirement accounts. This article explains the rules that apply and offers a strategy for those older taxpayers who would be interested in using the qualified...
Tax return identify theft
Joshua Nowack
April 17, 2014
Last week, I received a call from a client. Let's call him Bill. It's not his name, but that's okay. Anyway, Bill calls and says he received a letter from the Internal Revenue Service saying that they have a refund check ready to send to him in the amount of over $8,000. That night, I go onto the Internal Revenue Service website and pull down the transcript. It doesn't...
How many "NOs" have you had?
Mike Alpert
February 27, 2014
Kathryn Stockett got 60 NOs in her pursuit to get her novel 'The Help' published! Her passion for the book drove her to obsessive behaviors as she described in a recent MORE Magazine blog post on Shine. She describes how she at first shared her goal with friends and family – great for accountability. Then...
Go Mobile!
...and get what you need, when and where you need it!
How to drive your business into the ground
Josh Nowack
January 7, 2017
From time to time, clients will ask me to check out investment opportunities. And for avoidance of doubt, I do so not to recommend an investment and certainly not to sell investments....
Phone: 949-354-5495 • Fax: 949-354-5486


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Report a scam to Netsafe.org.nz(external link) or 0508 638 723. They will direct you to the organisation best able to investigate or advise you on various types of scams or frauds.
How to protect yourself online and common online scams.
A large amount of your personal data may be available through multiple online sources, including websites, email accounts, and social media accounts. Some applications demand access to personal information including GPS (location), credit card details, contacts or address book, texts, calendar and photos. This data has value and can be sold for all sorts of marketing purposes or misused, especially once an account has been hacked so that your privacy is compromised.
Here are some common terms used for online scams and how they work:
Computer hackers use computer viruses to gain access to your computer details, steal your money and identity, and scam you. They may also get into your computer by wireless network — Wi-Fi.
Computer viruses are programs or malware that are designed to attempt to infect your computer, smartphone, or other device. They break into your computer and spread from one device to the next as you communicate with others.
Viruses can spread through:
Spyware can track users through advertising that pops up online. If you click on the advertising link you may be taken to a website which can install a virus. The virus can take over your web browser, scan your computer for private information and slow down your computer.
Ransomware copies personal files or photos from your computer. When a scammer has control of them, they blackmail you. If you don't hand over the money, they threaten you with the release of images and files to others, to embarrass you.
Scareware is rogue security software, eg antivirus software that hides in pop up adverts or alerts for security software updates. If you click on these you may inadvertently download scareware onto your computer. It may:
You may also be asked to pay for these fake updates.
Wi-Fi eavesdropping can happen if you connect wirelessly and the Wi-Fi network isn't secure. Other people can also access your internet link if they are within range. Scammers can also set up access to fake Wi-Fi networks in public places. If you log onto the network, they can try to capture personal details, such as passwords and credit card information.
See also:
To protect your identity and cash from online scammers:
Fake websites are easy to set up and look convincing.
A common scam online shoppers experience is receiving faulty or lower quality products or even nothing at all. Scammers may just want your credit card details or they may claim to need extra payments for things like shipping, taxes and insurance.
Take care; price comparison websites and online reviews may be fake or inaccurate.
Fake websites are easy to set up and scammers often use names and website addresses that are similar to those of genuine retailers. For added credibility, they sometimes advertise in genuine online directories and on social networking sites. Or they may pay to be in search engines' featured listings.
Social media 'buy and sell' pages are also fair game for scammers. So are ongoing monthly subscription services that offer free or low cost trials. Even after you cancel, your credit card is still being charged.
Reputable online auction sites like Trade Me have systems to spot scams. Scammers will often try to take you away from auction sites to do a deal. Use the online auction site to complete the transaction.
Scammers may use phishing emails or texts to gain your financial details, login and passwords. They will then steal from your account or use your details to commit fraud. You may get an email or a phone call. They may claim there is a problem with your account and ask you to verify your details on a fake copy of the bank's website. Or they could fake being from a government agency like Inland Revenue and offer you a tax refund.
Scammers may hack into online advertisers' apps that serve the adverts and send you fake adverts online.
Scammers target buyers by placing fake advertisements on real websites for rentals, used cars or other items that are much cheaper than usual. If you show interest, they will claim they are overseas and an agent will deliver the items or keys following payment.
Scammers also respond to genuine advertisements for products or services with a generous offer to buy. They pay by cheque or money order and usually it is more than the agreed price. This is claimed to be by mistake and you are asked for a refund by money transfer. Once this is done you find out their cheque has bounced or the money order was false.
Callers or emails that pretend to be employees of well-known computer companies who have discovered problems or viruses on your computer. They persuade you to give them access to your computer with passwords and security information and then ask for payment and bank details.
Genuine computer companies will never do this. If you need technical help, always call or email your internet service provider's support line or talk to a local computer repair person.
Often, if you are the victim of a scam you may be in denial. Once you've realised you are being scammed, stop all contact and avoid sending further payments.
Block the scammer if you have been scammed online. Don't reply to emails or letters that scammers have sent you.
Unfortunately, if you have been scammed, the chances of recovering your money are not good.
If you are the victim of a financial scam or credit card scam, contact your bank immediately. They will have a policy in place to deal with fraud.
Read Resolve a problem to find out more.
Don't give anybody any more money on the promise that they will get your lost money back. It's just another scam. Don't believe them if they say they are from a governmental agency and they want you to play along with a 'sting' operation.
Report scams to Netsafe.org.nz(external link) or 0508 638 723. They will direct you to the organisation best able to investigate or advise you on various types of scams, frauds and spam messages. This information may be used to compile data and publish scam alerts based on the most commonly reported scams.
If you are unable to resolve your issue directly, our Resolve It tool has information to help you take the next steps. These may include going to the Disputes Tribunal or District Court.
You are emailed by 'Microsoft Windows Support' and told your PC has a virus or is running slowly. The problem can be solved remotely if you give them your credit card details and/or remote access to your PC.
You are texted and told your grandchild has been in a road accident abroad. The text says you need to send money immediately to cover medical costs.
You are emailed by a fraudster and invited to apply for a 'guaranteed loan'. After you've given your personal information, including your bank details, you are told to pay an application fee.
The dreaded chain letter has returned. It may appear in the form of, 'Pass this on and Bill Gates will donate $5 million to charity'. Both the charity and the claim are fake.

subset: commoncrawl


text:
Our Warranty
Our warranty is five years and is in writing. Industry standard is one year. We can offer this warranty based on our experience, workmanship and quality products.
We send a copy of our Warranty with every estimate. The warranty explains in plain language the warranty, the terms and duration. This certificate is proof of our commitment to quality and customer service.
If your contractor or installer cannot provide you with a 5 year warranty, it's time to ask why!
Years covered by our warranty
General Liability Insurance
Our general liability insurance coverage is $2,000,000. Our subcontractors are also required to carry General Liability Insurance.
Don't jeopardize your home by working with someone without insurance!
- Insruance Coverage $2,000,000 100%
Contractor License
We carry a contractor's license. All our plumbing and electrical subcontractors are licensed.
Worker's Compensation Insurance
Our employees are covered by worker's compensation insurance as required by law.


text:
Pair of Cerused and Velvet Chairs
Mid 20th Century
Pair of chairs with exceptional detail. The chairs have a wood frame which has been cerused in black with dimensional exposed grain. The arms have a lip over the edge. Loose seat and back cushion upholstered in a cut grey velvet make these the perfect chairs for a modern interior.
Condition: Excellent. newly refinished and upholstered.
height: 20 1/2
second height: 26 1/2
depth: 32 in.
width/length: 30 in.
Number of items: 2
Materials/Techniques: wood and upholstery
Creator: unknown
Dealer Ref. : CF2104


text:
Sonagel W
This couplant is designed for use on all types of metallic surface and is especially suited to solving the problems of rough, pitted, uneven surfaces to allow smooth probe movement during testing.
The thixotropic properties of this couplant give excellent wetting and acoustic transmission and do not allow the product to flow all over the test area; and so is very economical to use as you only cover the working area not the whole piece.
For further information on pricing and availability please email our dedicated Consumables team. Click here.
Sonagel W incorporates chemicals, which allow very slow drying even at elevated temperatures, whilst being free VOC's and other hazardous materials. However, it does contain a special tracer dye to enable areas to be checked for coverage but the couplant is still easily removed with water or solvent wipes.
Sonagel W is available in easy to use 125ml applicator bottles, 250ml bottles, as well as in plastic 1 litre, 5 litre and 25 litre bulk containers (with suitable carrying handles).
*NB: This product will have a flash point of 160°C (PM) when used for long periods at elevated temperatures.
Application Notes
Couplant V Wallpaper Paste
Couplant is required for sound waves to pass from an Ultrasonic Probe into material under test. Limited and inconsistent couplant application between probe and surface can impact on measurement results significantly. Defect sizing relies on a consistent couplant and known surface attenuation measurements.
Composite Inspection in Phased Array
Nowadays, composite material is being used widely, namely because of its unique characteristics. QA of parts and laminates made of composite is a challenge. Nevertheless, using UT techniques to perform NDT inspection of such parts provides equally reliable and repeatable results for both in-line and maintenance examination.
Spotweld Probe
Spotwelds on automotive components and other structures require inspection for a number of possible failure modes. Adhesive (stick) welds, burnt welds and unfused welds are several types of failure modes.
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Month: November 2016
Don't cry
Don't cry o unfaithful
These tears are the symbol of truthfulness, don't destroy its sanctity…
For Another Life
Passion,intensity,dream , happiness ,do come in another life,
This life, it's me and her memories only….
Is Time the best healer?
The Best Painkiller
When my lips failed to utter the intolerable pain, and heart was about to burst because of the agony, i converted my pain to ink and gave it mouth, and ….
Peace was mine…
Broken hearts
May be so many hearts are broken because
They are hidden ,
And the pain is invisible as it is without any external scars,
And even a broken hearted one can't understand the agony of other…
Hearts are the best containers , even though they break, they keep its contents,i. e, Love safe…
Till Death do us Apart
"..till death do us apart."
Not she, but her memories fulfilled this promise….
Strong She
She- "i am very strong."
Me-"i know, otherwise how would you have broken my heart without touching it."
Last souvenir
My broken heart is a great treasure to me being the last souvenir of my love….


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Crystal Forest by Bear Country, Sun Peaks
- Free Internet and free parking
Main amenities
- 30 smoke-free condos
- Ski storage
- Self-serve laundry
- Multilingual staff
- Picnic area
- Limited hour front desk
- Free Internet and free parking
Feel at home
- Sofa bed
- Kitchen
- Cookware, dishware, and utensils
- Stovetop
- Microwave
- Full-sized refrigerator/freezer
What's around
- Sun Peaks Golf Course (8-minute walk)
- Sun Peaks Resort (19-minute walk)
- Roderick Haig-Brown Provincial Park (23.7 mi / 38.2 km)
More great choices
At a glance
Key facts
Hotel size
- This hotel has 30 rooms
- This hotel is arranged over 2 floors
- Check-in time starts at 4 PM
- Check-out time is 10 AM
Required at check in
- Credit card deposit required
- Government-issued photo ID required
- Minimum guest age is 21
- Minimum check-in age is 21
- Minimum Spring Break check-in age is 21
Travelling with others
- Children (18 years old and younger) stay free when occupying the parent or guardian's room, using existing bedding
- No cribs (infant beds)
- Pets not allowed
- Free wired Internet access in public areas
- Free wired Internet access in rooms
- Free self parking
Other information
- Smoke-free property
- Resort fee included
In the hotel
- Ski storage
- Front desk (limited hours)
- Laundry facilities
- Multilingual staff
- Number of buildings/towers - 8
- Year Built 2000
- Picnic area
In the room
- Coffee/tea maker
- Iron/ironing board
- Washer/dryer
- Sofa bed
- Pillowtop mattress
- In-room massage available
- Fireplace
- Individually decorated
- Individually furnished
- Balcony
- Private bathroom
- Shower/tub combination
- Free toiletries
- Hair dryer
- Cable TV channels
- DVD player
- Free wired Internet
- Free local calls
- Full-sized refrigerator/freezer
- Microwave
- Kitchen
- Stovetop
- Cookware, dishware, and utensils
- Dishwasher
Also popular with travelers from the USA
Special features
- Bicycle rentals nearby
- Golf lessons available nearby
- Golfing nearby
- Hiking/biking trails nearby
- Kayaking nearby
- Mountain biking nearby
- Cross-country skiing nearby
- Downhill skiing nearby
- Snowboarding nearby
- Snowmobiling nearby
- Snowshoeing nearby
Crystal Forest by Bear Country, Sun Peaks's small print
Also known as
- Crystal Forest Condo
- Crystal Forest Condo Sun Peaks
- Crystal Forest Sun Peaks
- Crystal Forest Hotel Sun Peaks
- Crystal Forest Bear Country Condo Sun Peaks
- Crystal Forest Bear Country Condo
- Crystal Forest Bear Country Sun Peaks
- Crystal Forest Bear Country
Only registered guests are allowed in the guestrooms.
This property does not have elevators.
Parking height restrictions apply.
Mandatory fees
The charges below are included in the total price displayed:
- Resort fee
Optional extras
Late check-out can be arranged for an extra charge of CAD 50.00
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.
Is the description of this hotel not correct? Tell us


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Bismarck State College business course online
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Learn about Bismarck State College business course online, and registering for elective seminars and lectures. Which college degrees give you the best chances of finding employment after graduation? There are a variety of accredited business programs that may appeal to you. Advertising, accounting, human resources, and business management are just a few options. Concentrating on Bismarck State College business course online, for example, you may gain an advantage in corporate recruiting being done on-campus. Check with the BBA degree program department for course registration deadlines, and business administration program requirements. Please use the form above to request admissions info for Bismarck State College.
There are a variety of approaches to project management. Critical chain management (CCPM) puts more emphasis on the resources required to execute tasks, while event chain methodology focuses on managing events that will affect scheduling. Regardless of the method you choose, the Small Business Administration advises listing out specific project objectives, create a working timeline of both materials and personnel, and monitor all required costs as the project proceeds. Project control means keeping on-track, on-time, and under budget.
A project manager, therefore, is responsible for determining project requirements, and managing all elements of the task. Project management software is available that will help to organize both yourself and your team. Depending on the sophistication of the software, it may include estimating and cost control, decision-making trees, and a workflow analysis. Over the course of any project, the requirements may change mid-stream, without prior notice. Changes can be the result of necessary design modifications, altered site conditions, material availability or lack thereof. Finally, a formal, compliance-based audit may be conducted by upper management after completion. Beyond major requirements within the BBA degree program department, you may consider Iowa Central course registration as a complementary elective to your primary course of study.
Farm Accountant
Creative Financial Staffing
Must have a minimum of an accounting or finance degree, strong in Excel, and has an analytical mindset. Our client is looking for a Degreed Farm Accountant to..
9 hours ago Intern
First Data
Finance, Business Administration, IT, Human Resources, Purchasing, and Communications. First Data is a global leader in commerce-enabling technology solutions..
1 day ago Special Events and Volunteer Coordinator
The Salvation Army
Bachelor's degree from an accredited college or university related in Business Administration, Non-Profit Administration, Marketing, or related field, AND Four..
1 day ago Events Coordinator
Boys & Girls Clubs of America
Achieve specific measurable goals for each event while developing and adhering to an established budget by keeping track of event finances, including check..
3 days ago Accountant
Dynalloy, Inc.
We have been in business for over 25 years and consider this an opportunity for the accountant that understands the different aspects of "Accounting" versus..
1 day ago Sales and Marketing Analyst
Willing to get involved in ad hoc projects with a can-do attitude. You will work on a number of projects with a varied group and need to be flexible in taking..
3 days ago


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Nanshan Temple stands as a fascinating monument to the crosscurrents flowing through contemporary Chinese society—currents that to many an outsider may appear contradictory while feeling perfectly natural to many a Chinese citizen.
A massive Buddhist temple complex completed in 1998—just a generation or so from the Cultural Revolution and its tragic vogue for smashing up ancient religious sites—Nanshan Temple was built explicitly as a tourist draw. This fact, however, hasn't stopped it from becoming the site of authentic Buddhist pilgrimage and worship (to be fair, the site, at the foot of Nanshan—South Mountain—has been a holy site for many centuries).
The result is the kind of fake authenticity—or authentic fakeness, if you prefer—that in so many ways defines the "real China," a hybrid society grappling with diverse ancient traditions, the Communist party-forged "harmonious" present and an optimism about the future that includes Beijing's plan to make Hainan Island a world-class resort destination on par with Hawaii or Bali.
If you want to know what this vision looks like, Nanshan Temple is a great place for a day trip. You'll see an offshore copper statue of the Bodhisattva of Mercy, Guanyin, that stands taller than the Statue of Liberty, replica Ming-era architecture, beautifully maintained tropical gardens overlooking the South China Sea, and an opulent 3.8-meter tall Golden Jade Guanyin statue covered in gold, silver, diamonds and gems—key indicators that Buddhism, capitalism, communism and tourism do all coexist quite harmoniously in this particular corner of China, if not nationwide.
One element of unquestionable authenticity is the vegetarian Buddhist food available at the temple, well worth sampling, especially if you've been gorging on nothing but Sanya seafood banquets for a few days prior. Just 40km from central Sanya, the 66-acre site requires the better part of a day for a satisfying visit.
Sanya guide | Sanya flights | Sanya Hotels | Sanya on the Blog
When the Chinese believed their empire encompassed all creation beneath a circular heaven and bounded by a square earth, the southern tip of Sanya must have..
Dadonghai Beach (Dàdōnghǎi, 大东海) is one of the most popular of Sanya's beaches. It's a nice stretch of white sand meeting blue water, perfect for..
Located just far enough away from Sanya to weed out some tourists, Yalong Bay (Yàlóng Wān, 亞龍灣) is the area's premier beach offering good ol' R&R. The..
The Big and Small Dongtian scenic spot (大小洞天; Da Xiao Dongtian) is located about 40 km to the west of Sanya city, and 13 km away from Tianya..
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Format: Hardcover
Language: English
Format: PDF / Kindle / ePub
Size: 10.86 MB
Downloadable formats: PDF
Pages: 278
Publisher: Routledge; New edition edition (November 28, 2006)
The Best in Children's Books: The University of Chicago Guide to Children's Literature, 1966-72
On the Origin of Stories: Evolution, Cognition, and Fiction
Practicing to Take the GRE General Test, 10th Edition Sure, this is a version of the old GRE, and the old, old GRE at that (the tests were taken from 1991, a year some of you had yet to enter the world) , cited: The lunatic still at large The lunatic still at large. Why the best pitcher in baseball became a drug abuser. McCarver displays no love of words, but his knowledge of the game is encyclopedic. David Halberstam views 1964 not only as the end of the Yankee era but also as the end of a style of baseball that the American League and the Yankees played. The fourth collection of baseball reports written originally for The New Yorker ref.: Literary Gestures: The Aesthetic in Asian American Writing Literary Gestures: The Aesthetic in. Little Pea does not like having to eat candy for dinner every night. But he does it anyhow, and all with the goal of having that yummy dessert- spinach! Kids of all ages will be able to relate to this story about Little Pea. Library Lion: This is one newer story about a lion who loves to go to the library. He is allowed in there as long as he doesn't break any rules. The only one with any argument against him is Mr The Westcotes The Westcotes. Other chapters include Perkin (dyes), Rillieux (sugar), Haber (fertilizer and poison gas), Midgley (leaded gasoline and freons); Carothers (nylon), Müller (DDT). Two chapters are on individuals whose role was mainly on the positive side: Frankland (clean water) and Patterson (removing lead in consumer products -- including Midgley's leaded gasoline) Analytical view of Sir Isaac download for free Analytical view of Sir Isaac Newton's. That's fine, and I'm sure would not bother Cromer , cited: Breaking News: Renaissance Journalism and the Birth of the Newspaper Breaking News: Renaissance Journalism. Use of leather dressings is no longer considered a best practice in the conservation of leather-bound books. The general advice above still represents the options (boxing or consulting a conservator) for dealing with the various condition problems that may arise with deteriorating leather, including red rot, stiffness, and dessication download Hamlet, Protestantism, and the Mourning of Contingency: Not to Be epub.
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Comfort Found In New Books
In Other Worlds: SF and the Human Imagination
The Routledge Companion to Postmodernism (Routledge Companions)
Progressive morality : an essay in ethics
Comics and the Senses: A Multisensory Approach to Comics and Graphic Novels (Routledge Research in Cultural and Media Studies)
The Erotic Motive in Literature
The Dictator's Dictation: The Politics of Novels and Novelists
Best Books for Kids Who (Think They) Hate to Read: 125 Books That Will Turn Any Child into a Lifelong Reader (Prima Home Learning Library)
Confessions of a book-lover
Teaching Early Modern English Prose (Options for Teaching)
Around the Book: Systems and Literacy
The loom of life
The Curious Reader: Exploring Personal and Academic Inquiry (2nd Edition)
Publishing Romance: The History of an Industry, 1940s to the Present
The Art of Memoir
Hooked on Books: Program & Proof
WITH WOLFE IN CANADA: or The Winning of a Continent.
Great Books My Adventures With Homer, Rousseau, Woolf, & Other Indestructible Writers of the Western World (Paperback, 1997)
The Anatomy of Bibliomania
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Riess Cookware
When selecting cookware, it's important to stay true to yourself. Technical specifications are meaningful since they affect how pots and pans perform on the stove top or in the oven. However, what makes a set of cookware beloved by users is the way each piece looks and feels. That's true whether you're looking for cookware for yourself or a gift for someone you know and appreciate. Its design, shape, color and even the material cookware is made of create an instant connection with specific people. At Williams-Sonoma, we like to offer professional-quality pieces that give you awesome results when it's time to cook, and enhance your home's decor.
If you love cuddling up around the fireplace with some flannel pajamas when it's cold outside, the personality and design theme of our Riess cookware collection is probably the ideal set for you. Our Riess collection has a charming rustic appearance that fits cozy decor like a super-soft blanket. It gives homes filled with elements of natural wood another layer of warmth. It's also a suitable match for traditional design styles. Elegant curtains, pristine tile accents, works of art inspired by Monet and upholstered seating are a few signs you appreciate the classics. Our Austrian-made Riess cookware sums up all of these virtues with sleek surfaces and white and navy tones.
Riess cookware is created with layers of porcelain enamel and a steel core. There are several benefits of cooking with a porcelain enamel surface. For one thing, it's naturally nonstick. That means you only need to use a little bit of, if any, oil when cooking. Searing meats, caramelizing onions or browning mushrooms is very easy thanks to four layers of high-fired enamel. Another health benefit is that there aren't any toxic coatings to worry about. All of our high-quality nonstick cookware is perfluorooctanoic acid-free to keep your family safe. On top of everything else, many people prefer the added natural quality of porcelain enamel.
Because it's nonporous, porcelain enamel is also very hard yet still lightweight. It's extremely scratch-resistant, so it stays beautiful for ages. This means you can use metal utensils with the cookware in the Riess collection. Nylon or wood utensils protect the surface even from minor scratches, but metal utensils won't affect the functionality of a porcelain-enamel coating. Use your favorite cooking accessories for added comfort.
Our Riess cookware features brilliant blue and white tones. It stands out for all to see, especially when you're serving guests at the dining room table. Another advantage of porcelain enamel pieces is that they're very versatile. You can start things off on the stove top – to brown proteins, for example – and then add some wine and vegetables and put the same container inside the oven for an aromatic slow-cooked meal. When it's done, take it to your dining table or buffet and let your friends and family breathe in all of the luscious vapors. That opens up their appetite and makes your food taste even more incredible. Just remember to use oven mitts and trivet since the cookware remains hot for quite a while.
The Riess Cookware collection pieces all have a steel core. Steel has similar heating properties as cast-iron – it absorbs heat and sustains it for a long time – but weighs far less. With a porcelain-enameled steel core, your food cooks on its own even with very low heat. Once you remove it from the stove top or oven, it still stays warm while your serve. That's also a big help when making a roux or gravy with pan juices. You don't need any heat source while thickening. Porcelain is an excellent heat conductor as well so it cooks food evenly throughout.
One of the best parts is cleanup. Thanks to the nonstick properties of porcelain enamel and its ultra-glossy composition, leftover food particles slide off effortlessly. That way, you can enjoy entertaining guests and being part of the action. When everyone heads home, it doesn't take long for your kitchen to be spotless once again.


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Single Speed Elevators Holding Property Owners at Risk
New directives by the Technical Standards & Safety Authority (TSSA) are placing greater liability on property owners with legacy elevator technology.
Innovation Transforms Historic Landmark Hotel
Built in 1903, the Fort Gary Hotel recently underwent extensive renovations to bring it up to modern standards. Find out how one of Winnipeg's most iconic buildings is reaping the rewards of advanced building automation.
Q&A: Knowing Your Apartment Funding Options
These are opportune times for apartment builders, and ones that require a nuanced understanding of the markets and respective lending options.
Rental Construction Financing
Canada Mortgage and Housing Corporation has $2.5 billion available in lower cost loans for rental construction financing.
What Apartment Owners Look For in a Lender
First National's Robert Fleet and Peter Cook have some advice for apartment owners that are looking for a lender for their property.
How to Invest for Success in a Hot Rental Market
"The rise of permanent renters," has ignited a hot rental market for apartment buildings. However, investor demand far exceeds supply.
Affordable Housing Crisis Sparks Innovation
New funding models and innovative building techniques are expected to revolutionize the affordable housing sector in Canada.
Building from the Ground Up: A Great Foundation for Investors
After a lack of new construction for many years, market conditions have set the stage for a fresh wave of apartment development.
Why Savvy Investors Should Take a Look at Apartment Buildings
Uncertain economic times and a saturated condo market in Canada's urban centres have prompted more commercial real estate investors to consider purpose-built apartment buildings as a savvy, safe investment.
Understanding the Importance of Cash Flow
Brian Kimmel, Assistant VP of Commercial Financing at First National, explains why cash flow can be a fairly misunderstood concept, especially among novice investors.
Post-Fire Restoration
For residents of a three-storey apartment building in North Vancouver, December 7th, 2011 was just like any other day—that is, until a fire broke out
Higher Rents, Better Returns
Many apartment owners often wonder about strategies that they can use to justify higher rents in their buildings. They are often looking for a way
Financing Capital Improvements
First National Financial LP provides apartment owners with tips and insights for financing capital improvements to upgrade building quality.
New Construction Financing
New rental construction is a hot topic these days, but the headlines don't tell the whole story. Construction financing is complicated and only a small percentage of deals are truly viable. Find out what three key considerations govern all successful financing outcomes.


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I know it has been doing the rounds in both the fashion and home decor worlds for the last few seasons, however, the ikat print seems as though it is not going anywhere anytime soon... from rugs to cushions, furniture to bed linen, everywhere I look I am still seeing ikat!
Image: Lonny Magazine
Image: Home Interior Design
Image: The Style Files
Image: Madeline Weinrib
Image: Be Still
Image: Fabricadabra
Image: Fabricadabra
Image: Table Tonic
If I am to be honest, I was not a huge fan when it first emerged as a hot trend, but over time and after seeing it used in so many different settings I now have one foot on the ikat bandwagon. I don't think I would ever use an abundance of it in the one room but I do adore some of the ikat cushions available at stores such as Table Tonic, Fabricadabra & etsy store Be Still. I have a cushion crush on the sweet pink spot hand woven silk beauties (featured below). I think these would really pop on our new custom made white lounge suite being delivered in two weeks time... exciting!
Image: Made by Girl
What do you think... should I succumb to what seems to be the irresistible charm of the ikat print?


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WE WILL BE OUT OF THE OFFICE 12/23/2013-12/25/2013 in Observance of Christmas!
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text:
The brand new Ford Lincoln retailer will likely be Randy Marion's seventh dealership in North Carolina with other places in Hickory, Huntersville, Mooresville, and Statesville. Drivers, restraints, alternatives, and threats of the Global Automotive Gear Pump market have been analyzed within the report. Corporations within the Automotive Airbag Cloth market have realized that innovation is of utmost importance for sustained growth. Touch screens work great for some things: sensible phones, iPads—however for turning up the warmth in your automobile, it is best simply to have a knob. To know the aggressive panorama available in the market, an evaluation of Porter's 5 Forces model for the automotive light-weight materials market has additionally been included.
The automotive touch screens require vital visual consideration from the drivers, especially while using the navigating system. Further include darkish tinted windows, aluminum side-steps, car parking receptors front and back, headrest Dvd film gamers along with wi-fi headsets and handheld remote control, Ming contemporary paint protection along with leather-based safety. Get skilled advice in your Automotive Repairs by contacting our ASE Licensed Technicians at present at (763) 205-3995 or go to for extra info.
Concerning the author: At Maizis&Miller Consultants we provide you with one central place to do your whole online recruiting to search out Diesel Equipment Management and Technician related positions and likewise provide you the mechanic resume ideas and interview steering. Universities are glorious to type students in their respective fields, nonetheless, we can't fake that from Engineering we can swap to Design Grasp Program and we are designers! Each auto restore shop in Sarasota, Florida 34233 ought to aspire to becoming an ASE licensed auto restore store.
In the long run, the report consists of Automotive Alternator new mission SWOT evaluation, investment feasibility analysis, investment return analysis, and growth development evaluation. Primarily based on software, the automotive contact screen control methods market is segmented into passenger vehicles, light industrial automobile and heavy business automobile. Global automotive production in 2014 improved 2.5% as in comparison with 2013 and increased another 1% in 2015 to 90.7 million items. Toyota will get some good press from their investment and plant re-opening (1,000 folks could also be employed initially) and will learn more about EV know-how and perhaps share some of their knowledge with Tesla.
The high variety of candidates – for 250 spots in the course – underscores the urgent need for talent by expertise leaders resembling Alphabet's Google and Apple, conventional car companies and automotive begin-ups, as they race to develop production-prepared autonomous-driving vehicles throughout the subsequent decade. For auto fanatic and non car lovers alike, it's quite irritating to go exterior, have a look at your automobile and be taught that there is a scratch on it. Many people haven't got the funds to exit and get a model-new paint occupation.


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Martin Luff
Martin Luff is a Chartered Chemical Engineer with nearly 30 years experience in the UK water sector, delivering projects and programmes of work, predominately related to the design and construction of potable and process water, sewage, industrial effluent, solid waste and sludge treatment facilities.
He has worked in a turnkey contracting environment for major UK process contractors, as well as in environmental and engineering consultancies, and consequently, has a broad experience which includes working to the specific requirements of a wide range of municipal, utility and industrial companies, as well as extensive experience across the whole project cycle.
A strategic and creative thinker by nature, Martin is comfortable developing and applying innovation and 'new ways of working', and enjoys managing teams to deliver projects involving novel and/ or challenging engineering approaches and delivery. As such, one of his current roles, as Framework Design Manager, is to oversee the roll-out and development of BIM related Digital Delivery approaches and technology across the six major water company Frameworks currently being delivered by MWH Treatment during AMP6.
23-May-2017Transformation in action


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ISTARUSA POWER SUPPLY IX-650RSH1UP8G 65Item#: 40073506 | Model#: IX-650RSH1UP8G
- Price:
- $419.99
- Shipping:
- Temporarily out of stock. Order today and we'll deliver when available. (Details)
ISTARUSA POWER SUPPLY IX-650RSH1UP8G 65 Product Details
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Mfg Part No: IX-650RSH1UP8G
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Shipping Weight: 9.0000 pound(s)
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- iStarUSA logos are registered trademarks of iStarUSA. All others trademarks and copyrights mentioned herein are the property of their respective owners.


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Philips Unveils 60W Replacement LED
Today, Royal Philips Electronics (NYSE: PHG) announced the industry's first replacement for a 60-watt incandescent light bulb. The EnduraLED light screws in just like an incandescent and only uses 12 watts of power while providing 806 lumens.
Plant Walls for Vibrant Green Spaces
The folks at Plant Solutions installed this vibrant living wall in a conference room of their Scottsdale office. The TerraScreen Living Wall is made with two 4'x4' panels, which are made with a black, powder-coated, galvanized steel wire, and brackets that attach to the wall. The panels protrude a little less than five inches from the wall.
Prefabulous + Sustainable
To be considered for this random giveaway, leave a comment below through the end of Friday, May 14, 2010.*
Abrams was kind enough to send us a copy of Sheri Koones' most recent book on modular homes, Prefabulous and Sustainable. Considering we've published over 250 articles on various green prefabs, you can say this book is right up our alley. Indeed, it's a veritable treasure trove of inspiration for prefab enthusiasts and well worth the cover price of $25.
Future of Work and Cities [Newsweek]
Recently, Newsweek asked three well-known architecture firms to explain what cities will look like in 2030. Using New York City as the location, these firms — HOK; Cooper, Robertson & Partners; and Richard Meier & Partners — responded to the hypothetical with The Future of Work and other musings as to how we will work, live, interact, and move around in 20 years.
Monitor and Control with Energy Hub
The energy monitoring space is crowded, but chances are, you've seen the EnergyHub here and there. Perhaps you're in one of three utility pilots testing the product, which was named a Best Invention by Time last year. With EnergyHub, consumers can link up a dashboard, thermostat, plugs, and strips to *both* monitor and control energy use from home, a mobile device, or the internet.
Results: 400W Wind Turbine Giveaway
I want to thank you for entering the 400W wind generator contest that we ran last week. It drew close to 400 entries from folks all around the country, and I enjoyed viewing your links and hearing about your projects. Seems clear that there's demand for small wind in the right location, and the following winner should be able to put this turbine to good use.


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440 Law Center Building
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Louisiana State University, Baton Rouge - Paul M. Hebert Law Center
Louisiana State University, Baton Rouge - Louisiana Law Review
Awlaki, al-Awlaki, Aulaqi, al-Aulaqi, targeted killing, drone, treaty, self-executing, non-self-executing, Medellin, foreign-murder statute, foreign murder statute, AUMF, UCMJ, al-Bihani, Bihani, Obama, international law, Geneva Conventions, law of war, CIA
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10月 2, 2014 合計視聴数:: 5706 今日は: 3
Hotel Stay In BCN Suites Barcelona, This attractive apartment is set in Barcelona's chic Eixample district, 150 metres from Passeig de Gracia and 400 カタルーニャ広場から数メートル. It offers a terrace, free breakfast and free hot drinks and fruit daily. Rooms at Stay In BCN Suites feature elegant décor and high ceilings. All include free Wi-Fi, central heating and a fan, while bathrooms are shared or private. Guests receive a bottle of cava on arrival. There is a kitchen where you can prepare meals and a chill-out area with computers, board games and cards. Stay In BCN Suites is just 10 minutes' walk from the bohemian Gracia area and the MACBA Modern Art Museum. Las Ramblas are 600 metres away and you can reach Gaudí's Sagrada Familia by foot in 20 分. プロパティは 3 minutes' walk from Passeig de Gracia Train and Metro Station. Direct buses to the airport stop 5 minutes' walk away in Plaza Catalunya. (Hotel Stay In BCN Suites Barcelona hotels 予約).


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Charity no: 1122592 | Company no: 584561 | Click here to visit our thanks page.
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Staff at Eccleshill Adventure Playground work hard to provide exciting and engaging activities, all that come with a range of benefits to the children's health and well being. All of our activities can be made fully inclusive and can be adapted to any skill level. We are happy to work with you if you have any specific requests for activities or themes.
Below are some examples of activities that we have planned for previous school sessions.
Wood work
Our woodwork sessions are very popular with schools. We use hammers and saws to build items such as tool boxes, wooden animals and stools. Children may keep what they make. These sessions are great for advancing skills as they can be very basic for beginners, then gradually introduce different skills and complicated tools, such as the use of drills and sanders.
Recently our Leeds West SILC school group have enjoyed using hammers and nails to build wooden furniture, such as tables, stools and even a cupboard!
Den Building
Den building sessions allow children and young people to work together individually to build something on a large scale. This again can be a progressive activity and may involve planning and preparation sessions before building, to ensure that the structure can last for great lengths of time. Dens can be made from natural materials or can be made more secure with the use of boards and timber.
All dens are designed by the children, for the children. Alternatively, we can work with a school to work towards building a bespoke structure.
Camp Fires
This again is a very popular session for our school groups. Children will learn how to safely set up and light the fire using a flint and steel. Children will be learning many important life skills as well as social and emotional skills. We have a built-
Camp Fire Cooking
This sessions is a natural progression from the above camp fire activity. Once children have mastered the setting up and lighting of a fire we can then begin to cook. We can make almost anything on a fire. Some of our favourites include individual popcorn baskets, fresh bread on sticks, chicken curry and buns in oranges. Onsite at The Big Swing adventure playground we also have an outdoor clay pizza oven for the children to use. So far the children are enjoying learning how to make pizzas from scratch!
Our Go-
The children really enjoy spending time working on their Go-
Team Building
Team building sessions are a very important part of what we do. We plan many different games and activities that will bring the group together in a fun and relaxed environment.
Our team building sessions can be adapted from pairs to large groups with the aim of improving relationships, social skills and problem solving.
Loose Parts
These sessions are a great opportunity to allow children to use their imagination. A loose part session could involve anything from smaller boxes to large plastic tunnels, ropes or wheels. These sessions may have an end goal, for example 'find a way to get a small ball from the top of the playground to the bottom,' or children may be encouraged to use the loose parts to build anything they like.
Other popular sessions include sports, painting, planting fruit & vegetables and treasure hunts.
Please do not hesitate to contact us for more information on booking a school session. We can run activities to fit in line with topics and much more.
Survival Skills
During our fantastic apocalypse sessions, children will have to work either alone or in to survive the apocalypse. They do this by building shelters, using rope tying skills to build hammocks, savaging for food and then preparing a camp fire. This activity encourages children to use a variety of tools and survival equipment, as well as putting all of the other skills that they have learnt into practice. This a very popular activity of ours.


text: Reading through the 'I've spent x dollars on HT' thread leads me to ask -- what do the august and distinguished readers of this forum do to bring home the bread (undoubtedly stuffed in a box filled with electronics)? - Student? - Retail? - Professional (doctor/pharmacist/engineer)? - Self-employed? - Tradesperson? - Retired? - Finance/banking? - civil service/government? - Drug dealer? - scam artist (lawyers! )


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Automation has already made many jobs redundant, and as Artificial Intelligence becomes increasingly sophisticated, many more will inevitably follow. But it's not all doom and gloom.Human creative skills will always be in demand Click To Tweet
In this Quartz article I talk about how human creative skills will always be in demand, and how restructuring our value system – from education to the workplace – around creativity will help us prepare for the wave of technological disruption to come.
Don't want a robot to steal your job? Be creative https://t.co/3rW3WijaEw
— Quartz (@qz) January 13, 2017
Also published on Medium.


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Meet Siaosi
Siaosi is a 58-year-old man, from the island of 'Eua in Tonga. He always took good care of his family and was a driver for the Forest Ministry, until his eyesight gradually deserted him. By the time he came to a Fred Hollows Foundation surgical outreach in Nuku'alofa, he was fully blind and entirely dependent on his wife. He told us, "it's a lonely life". The loss of his income was a huge burden for his family to bear.
Thanks to our many supporters, we were able to restore Siaosi's sight in one eye, and not a moment too soon. An old injury in his other eye meant it was simply too far gone. Foundation-trained Nurse Luseane explained that if he'd had access to an eye clinic a few years earlier, the doctors might have been able to save the sight in both eyes.
Siaosi left the clinic with what's known locally as the "banana smile" – his quiet, brooding face split almost in two by the power of his uncontrollable grin. He walked beside his wife--not led by her--and traveled home to see the faces of his grandchildren. Later, he went back to work and is now caring for his family again.
If you'd like to help more people like Siaosi and ensure they get the treatment they need in time, please make a donation today.
Help keep Fred's dream alive.
4 out of 5 people who are blind in the developing world don't need to be. Routine treatment costing as little as $25 can restore sight and hope.


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It's Tuesday once again and we have a new plant for you to I.D. and win! Be the first and this plant can fly away to your garden!
Remember save your appetite for Saturday-It's Hot dogs and Horticulture – Iris Demonstration and Sale and good ol hot dogs- what a way to spend the day at Harper's Landscape and Gardening Centre!


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Publicité ▼
voir la définition de Wikipedia
|Adam LaRoche
LaRoche up to bat for the Braves.
|Washington Nationals – No. 25
|First baseman
|Born:November 6, 1979
|Bats: Left
|Throws: Left
|MLB debut
|April 7, 2004 for the Atlanta Braves
|Career statistics
(through July 26, 2012)
|Batting Average
|Home Runs
|Runs Batted In
|Career highlights and awards
David Adam LaRoche (born November 6, 1979 in Orange County, California), is a Major League Baseball first baseman for the Washington Nationals. He is the son of Dave LaRoche and the brother of third baseman Andy LaRoche.
Adam LaRoche was a 1998 graduate of Fort Scott High School in Fort Scott, Kansas, where he played baseball. He was named an All-American in baseball as a senior. His uncle, Dave Regan, was his high school head coach.
He played for his father, Dave, at Fort Scott Community College in 1999 before transferring to Seminole Community College in Seminole, Oklahoma in 2000, where he was an All-American and the MVP of the Junior College World Series.
He had been drafted by the Florida Marlins in both the 1998 and 1999 amateur drafts, but refused to sign. He was drafted by the Atlanta Braves in 2000 and did sign.
For the start of the 2004 season, the Braves made LaRoche, who had not yet made his major league debut, their starting first baseman. The left-handed LaRoche platooned with 46 year-old veteran Julio Franco and put up a respectable .278 rookie batting average.
LaRoche demonstrated his strong defensive skills at first base, but also a lack of speed on the basepaths.[citation needed]
He again platooned with Franco in 2005. While he did hit 22 home runs, LaRoche had a very streaky season. He hit .385 in his final 17 games of the year, but just .105 in the 19 games that preceded that streak. He batted .500 with a grand slam in the Braves 2005 NLDS Series against the Houston Astros. With the offseason departure of Franco, LaRoche became the Braves sole starter at first base in 2006.
On May 15, 2006, LaRoche garnered the contempt of Braves fans, players, and management after a play in which he fielded a routine grounder and lackadaisically jogged to first, and was beaten to the bag by Nick Johnson. LaRoche was heavily booed by the crowd (which continued for some time in the following games) and was benched for the play.[1]
On May 28, 2006, LaRoche contributed two of the Braves' record eight home runs in a remarkable win against the Chicago Cubs. In addition, in a wild game against the San Diego Padres on July 14, 2006, LaRoche hit two more home runs and had five RBIs to help the Braves to a 15-12, 11-inning win. He finished the year with a .285 average, 32 home runs, and 90 RBIs - all career-bests.
The Braves traded LaRoche and minor league outfielder Jamie Romak to the Pittsburgh Pirates on January 17, 2007 for reliever Mike González and minor league shortstop Brent Lillibridge.
During the 2009 season he played with his brother Andy LaRoche with the Pirates until July 22, 2009 when he was traded to the Boston Red Sox
On May 13, 2009, LaRoche became the first player in major league history to have a home run taken away through the use of video replay.[2]
On July 22, 2009, LaRoche was traded to the Boston Red Sox[3] for minor league pitcher Hunter Strickland and shortstop Argenis Díaz.[4] In six games, LaRoche would go on to hit one home run and three RBIs, with an average of .263. During his brief tenure in Boston, LaRoche lived with his teammate J.D. Drew in Drew's home in Boston.
On July 31, 2009, after only spending six games with Boston he was dealt back to one of his former teams, the Atlanta Braves for 1st baseman Casey Kotchman.[5] LaRoche was traded by Boston in order to cut payroll and the belief that Kotchman would be a better pinch hitter than LaRoche would.[citation needed]
On January 14, 2010, LaRoche agreed to a 1 year, $4.5 million contract with the Arizona Diamondbacks. His deal includes a $7.5 million mutual option with a $1.5 million buyout.[6]
On January 4, 2011, LaRoche agreed to a 2 year contract with the Washington Nationals.[7] He wears number 25 on the back of his jersey.[8] His contract pays him $7 million in 2011 and $8 million in 2012 with a mutual option for $10 million in 2013. [9] On April 7, LaRoche hit his first home run as a member of the Nationals, a game-winning two-run home run off Florida Marlins reliever Edward Mujica in the 11th inning of a 5-3 Nationals win. His 2011 season ended with labrum surgery on his left shoulder [10] with career-low batting numbers of 0.172 BA/0.288 OPS/0.258 SLG [11]
LaRoche and his wife Jennifer have a daughter, Montana, and a son, Drake. His hobbies include fishing, hunting, and golf. He is the son of former Major League pitcher Dave LaRoche and older brother of Andy LaRoche.
LaRoche is of Mexican descent. According to his brother Andy LaRoche, his father's surname was Garcia, however, his father changed it to LaRoche at age seven, the last name of his stepfather.[12]
LaRoche suffers from ADHD that was diagnosed during his high school years, which occasionally leads to on field blunders such as in a game against the Washington Nationals in 2006.[13]
LaRoche is one of the co-owners of Outdoor Networks hunting show Buck Commander with friends and pro athletes Chipper Jones, Ryan Langerhans, Tom Martin, and Willie Robertson who is from the Duck Commander series.
|Wikimedia Commons has media related to: Adam LaRoche
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Lettris est un jeu de lettres gravitationnelles proche de Tetris. Chaque lettre qui apparaît descend ; il faut placer les lettres de telle manière que des mots se forment (gauche, droit, haut et bas) et que de la place soit libérée.
Il s'agit en 3 minutes de trouver le plus grand nombre de mots possibles de trois lettres et plus dans une grille de 16 lettres. Il est aussi possible de jouer avec la grille de 25 cases. Les lettres doivent être adjacentes et les mots les plus longs sont les meilleurs. Participer au concours et enregistrer votre nom dans la liste de meilleurs joueurs ! Jouer
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On Point Sportfishing is a charter fishing business as well as a sportfishing vessel.
The On Point is a 22 foot swan point locally owned and operated by Capt. Brandon Bartlett. Brandon has fished the Chesapeake bay and surrounding rivers since he was a kid. The On Point is equipped with the latest electronics on the market. The tackle aboard the On Point is all shimano reels on custom rods. With this tackle and Brandon's knowledge of the fisheries you will be assured to have the optimal chances at a great day of fishing! Capt. Brandon is highly skilled and knowledgeable about the waters off Virginia and offshore of Virginia; knowing the best time to fish for each species and where to look for them! His skills and knowledge will give you the best opportunity to catch a trophy fish or fill your cooler for the freezer!
An awesome way to fill your freezer- they can be caught 10 at a time!
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Message from Director General
It is a great honor and pleasure that Care of Afghan Families (CAF) has passed its twelfth years of experience in the field of health, nutrition, community development and education/research. In this annual report we are happy to present CAF achievements, undertakings, success and challenges within a difficult environment during the past year (2014).
During this year we provided a wide range of relevant services to our beneficiaries, through a variety of channels that responded to the hectic pace of medical practices and diverse needs. We always value the professionalism, efficiency, equity, integrity, accountability, transparency and personal advice and assistance available to us. The leadership and management team of CAF always adopted different approaches and strategies to cope with dynamic situations. Challenges are increasing constantly in contrast to the previous years and despite of all these challenges we tried our best to fulfill our responsibilities and highly consider quality dimension in respect to our projects. It is our duty and obligation to improve the quality of life among Afghan population through our service deliveries.
We have built our future by working hard, being creative and innovative, and establishing of an organizational culture which reward talents and pursues win-to win approach that benefits all.
CAF is greatly indebted to all its donors such as MOPH, other governmental line ministries, USAID, EU, WB, UNICEF, WHO, MSH, GF, WFP, its partners such as BRAC, HNTPO, Save the children, AKF, BARAN, SHDP and other stakeholders for their constant supports in programs implementation which has enabled us to serve our people in a better way and to meet their needs. Meanwhile, CAF highly appreciates its prime partner, the community members, in its operation area for their close support and cooperation.
I would like to acknowledge the significant contribution of CAF's board of trustee and whole CAF team on all the achievements during the year 2014 (corresponding to 1393). My special thanks and appreciation is from the provincial staff, health facilities staff and community volunteers who are the frontline for preventing and fighting against the diseases, injustice and unawareness.
At the end; all what I would like to say and focus on; is that we must try our best to search ways to make this country a place for a better life so that all people live in peace and far from all the diseases, injustice and unawareness. Besides I would like to request all to contribute either financially or morally so that we achieve our shared goals.
Thank you for your supports
Director General
Care of Afghan Families (CAF)


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Awesome opportunity to own your own business and building in Squamish. Presently designed as a restaurant, with full bar, kitchen set up, storage and refrigeration. This establishment is zoned for liquor primary usage or beer and wine store. Zoning attached. Plenty of parking for customers and outdoor patio.
Listing information last updated on 13-Apr-2017 7:05 PM


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September 11, 2009
Xs and Os on Saturday's Michigan-Notre Dame showdown from the proprietor of the essential Smart Football.
Jimmy Clausen has become the great quarterback he was recruited to be. Over his last two games the new-edition blonde bomber has thrown for 716 yards and nine touchdowns on just 44 attempts (16.3 yards per attempt), and his completion percentage is an astouding 84.1 percent. Yes, Clausen is at the peak of his game, and Notre Dame is back.
So say the Irish faithful, anyway. Before those blistering performances against the famed steel curtain-esque defenses of Hawai'i and Nevada, though, Clausen had a horrific day against Southern Cal, managing only 41 yards (1.9 yards per attempt) and throwing two picks. And before that? Clausen played a so-so game against lame-duck Syracuse in a humiliating upset. The Irish are still 1-14 the last two years against teams that finished .500 or better, and Clausen has been mostly terrible in those games. Assuming Michigan really is much closer to the team that rocked Western Michigan in last week's opener than to the one that fell on its face on a weekly basis last year -- and never more so than a six-turnover catastrophe in South Bend -- Saturday is a classic "Prove It" game for both.
A Deathbacker Never Forgets, Either. There was much speculation coming into the year about new defensive coordinator Greg Robinson's intentions with the Wolverine defense, where position names were given titles like "deathbacker" and "spinner," and alternating reports of a 4-3 or a 3-4 defense accumulated daily. One game in, we can confidently say what Michigan is running: A 4-3 under scheme with 3-4 personnel. (Got that?) What that means is that Robinson, who has coached with Pete Carroll, runs the same front that Carroll does at USC, except that he's replaced the weakside defensive end with a "hybrid" linebacker/defensive end who gives the defense more versatility against spread offenses.
This is nothing too special, as Carroll actually used this same scheme himself with Brian Cushing (whose MVP performance against Michigan in the 2007 Rose Bowl springs immediately to mind), and the hybrid played the "elephant" position. Robinson has updated this role at Michigan as the "deathbacker," which no doubt speaks better to an 18-year-old kid than "elephant position."
Like Carroll at USC, I expect Robinson to focus this year on man-to-man schemes with a single safety deep and another player as a "robber" -- an intermediate guy who watches the quarterback's eyes, or spies a mobile quarterback.
In their opening day victory against Western Michigan, the Wolverines used this concept with tremendous success, holding the Broncos scoreless until the game was long decided in the second half, which is what Michigan should do to a MAC offense.
But I don't think Robinson will stick with as much man-to-man against the Irish. The least threatening aspect of Notre Dame's offense, pretty much from the moment Weis arrived, has been the between-the-tackles run game, and the one area Notre Dame can take the Pepsi challenge with against any team in the country and come out well is a comparison between receivers. Golden Tate and Michael Floyd are both big, fast, dangerous downfield threats at all times, and Michigan is unlikely to spend most of the game daring Weis to throw to them on the outside. He's going to be dialing them up no matter what.
In response, Robinson is more likely to go for deep, bracketing type coverage. A common one is a variant on "quarters" coverage, descriptively called "quarter-quarter-halves."
To the wide side of the field, the corner and safety play "quarters," which means they divide the field into fourths but, if only one receiver threatens deep, they double-team him. On the other side the "halves" refers to a Cover 2 defense used to the short side of the field -- the corner rolls up and plays aggressive at the line, while the safety "rolls" over top so that they bracket that receiver high and low. This is a common strategy to try to contain dangerous outside receivers and keep the possibility of double teams. Michigan plays this coverage against Western Michigan's four-wide look below, though WMU runs a run play up the middle.
The defense is still effective against the run because the safeties can get involved.
Charlie's puzzle. None of these counters will shock Weis, not least because he and Robinson faced each other in the NFL more than once. The bigger issue with Weis, as always, will be pass protection. But assuming Clausen gets protection, what kind of big-play passes can we expect? One is a great combination ND called last week known as "double-post," which can specifically attack "quarters" coverage or any coverage that tries to put a cornerback on Michael Floyd with inside help from the safety.
Floyd just runs a skinny post while the tight-end or a slot receiver runs a post, dragging the safety inside (if he doesn't, the tight-end can be open or the backside split-end runs a comeback). And I will say this for Clausen: He has become much more accurate on these downfield throws.
Of course, we know that Weis really just wants to get his outside guys singled up and to throw them long bombs. There was the spectacular long ball to Floyd last week where the Nevada defender fell down on the coverage, but Weis also called up a deep crossing route several times, where Clausen was instructed to throw the deep go route to the receiver whenever it was open. Watch how the safeties below react to the other receivers -- to the tight end in on the double-post play to Floyd, and to the backside receiver running the cross on the deep bomb to Golden Tate -- and the great protection Clausen gets.
And that is really the issue in this game: Clausen, Tate, and Floyd are very dangerous, but Michigan is not Nevada or Hawai'i on the defensive line. Can Weis provide enough protection for Clausen? And can the Irish run well enough to set up the one-on-one bombs downfield off play-action? The inability to keep the Wolverine secondary interested in the running game should force ND to go to more of the short and intermediate passing game that was so effective in the Brady Quinn days, and can't just rely on smoking the defense whenever it feels like it. For all of Weis' bluster about decisive schematic advantages, the one thing he does very well is aggressively strike for big plays when he thinks he can burn you on a deep post or a deep go route. But he hasn't always shown an ability to set those plays up with the run, or to keep his quarterbacks healthy, and Clausen is only now morphing into a guy who can consistently hit those strikes.
Although there's another side of the ball in this match-up, I think the key will be in the match-up between Robinson's new-look defense and Weis' go-for-broke offense. Michigan will try to show Clausen a lot of looks and double-team and bracket those dangerous outside receivers. Weis, who has reassumed playcalling duties after giving them up for most of 2008, must be patient early, run the ball, and throw the intermediate passes, and Clausen must prove he can complete them before Michigan will make the big downfield shots available. The X-factor is whether Notre Dame's experienced line can protect Clausen; thus the importance of running it early and completing the short ones to keep Brandon Graham and Co. on their heels.
I think Michigan is starting from a bit further back than Notre Dame, and the Irish's talented playmakers will make enough plays to overcome some early stumbles. Michigan's offense will fare decently well against ND's defense, but it won't be enough to overcome the more experienced ND offense.
- - -
Chris Brown writes the strategy and philosophy site Smart Football. You can reach him at chris at smartfootball.com, or follow him on Twitter.
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