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New Research on Auto Insurance Pricing Finds Driving Behavior Can Predict Accidents with Twice the Power of Other Risk Factors
All drivers can test drive Progressive's Snapshot® to see if they join 7 out of 10 who paid less for insurance
- Progressive releases findings from detailed analysis of five billion driving miles—the most in-depth study of usage-based insurance (UBI) ever conducted:
- Actual driving behavior is the leading variable in predicting a driver's risk, carrying more than twice the predictive power of any other factor.
- Drivers with the highest-risk driving behavior have loss costs that are approximately 2.5 times the costs of drivers with the lowest-risk behavior—suggesting that the range of rates can be far wider and more personalized than they are today.
- The majority of drivers who are lower-risk subsidize the minority of higher-risk drivers.
- Seven out of ten drivers who try Progressive's Snapshot® UBI program have qualified for a discount, which can be as high as 30 percent for the lowest-risk drivers. Progressive now expands access to Snapshot to drivers who aren't Progressive customers.
MAYFIELD VILLAGE, Ohio — July 09, 2012 —Progressive today released new findings from an analysis of five billion real-time driving miles, confirming that driving behavior has more than twice the predictive power of any other insurance rating factor. Loss costs for drivers with the highest-risk driving behavior are approximately two and a half times the costs for drivers with the lowest-risk behavior. These results suggest auto insurance rates can be far more personalized than they are today.
Progressive has also found that 70 percent of drivers who have signed up for its Snapshot UBI program pay less for their insurance. Now, it's expanding access to Snapshot to all drivers—not just Progressive customers— who can take a free test drive of Snapshot, and after 30 days find out whether their own driving behavior can lower the price they pay for auto insurance.*
"The consumer was right all along," said Glenn Renwick, Progressive's President and CEO. "For most, the rates they're paying are higher than the risk they actually present—and in many cases, much higher. Until now, insurers had no effective way to capture actual driving behavior and factor that into the rates they could offer. But we have made a meaningful start toward personalized insurance pricing that's based on measuring real-time driving behavior—the statistics of one."
Progressive has been collecting and analyzing real-time driving data for 15 years, and the number of miles it has analyzed has more than doubled in the last 18 months since the launch of Snapshot. Snapshot is currently available in 42 states (and the District of Columbia) across every region of the country, and the data is considered a highly representative sample of auto insurance customers and driving characteristics.
Progressive has found that adding key driving behaviors—like actual miles driven, braking, and time of day of driving—can predict the likelihood of a claim far better than traditional insurance rating variables alone, like a driver's demographic profile, age, and the year, make and model of the insured vehicle.
"It's a case where the data confirms everyone's intuition," added Renwick. "We believed that driving behavior was the most predictive rating factor—but didn't expect the difference to be this dramatic. Actual driving behavior predicts a driver's risk more than twice as strongly as any other factor. It shows that we're not members of an arbitrary actuarial class—we're individuals with our own set of driving habits, which should be reflected in the price we pay for our insurance."
Over the past few years, almost a million customers have tried usage-based insurance through Progressive, and customers have saved an average of $150 a year. In the past 12 months alone, Progressive has written more than $1 billion in premiums that include a Snapshot-powered discount.
"The name of the game is the quantity of data and the quality of analysis and insight," said Richard Hutchinson, general manager of usage-based insurance at Progressive. "We've got a 15-year, five billion mile head start on other insurers, and we'll only extend our lead as more drivers try Snapshot and put their driving habits to the test. So we're simply asking all drivers, 'why wouldn't you try it?'"
How Drivers Can Test Drive Snapshot
After signing up, drivers will receive a small device that easily plugs into their cars. They can then log into their personal Snapshot page to track their driving behavior and potential savings on a daily basis. After 30 days, they get a price from Progressive that includes a personalized discount based on their actual driving behavior, which they can compare to the rate they're paying with their existing carrier. Drivers can then choose to buy with Progressive with their Snapshot-powered savings applied at the point of sale, or stay with their current carrier.
Snapshot bases a driver's potential discount on three key driving behaviors: the time of day the car is driven, the distance it's driven, and how many hard brakes per mile the driver makes. The Snapshot device does not have a GPS, and it does not use a driver's speed in determining the discount. A Progressive customer's rate will not go up based on their personal Snapshot data; they can only receive a discount from one to 30 percent or see their rate remain the same.
Progressive is the industry leader in the rapidly-expanding usage-based insurance category, and the company has been awarded several patents covering systems and methods for implementing Snapshot. The company has already licensed its innovative technologies, and plans to expand this licensing program in the future while adding to its intellectual property in usage-based insurance.
To learn more about trying Snapshot, visit http://www.progressive.com/snapshot.
- 'Linking Driving Behavior to Automobile Accidents and Insurance Rates'—Analysis
- Snapshot website
- Snapshot animated tutorial video
- Snapshot images for download via flickr
- 'Rallying Cry'—Snapshot Ad
About Progressive
Celebrating its 75th anniversary in 2012, The Progressive Group of Insurance Companies (collectively, "Progressive Insurance") makes it easy to understand, buy and use auto insurance. Progressive offers choices so consumers can reach us whenever, wherever and however it's most convenient for them — online at progressive.com, by phone at 1-800-PROGRESSIVE, or in-person with a local agent.
Progressive offers insurance for personal and commercial autos and trucks, motorcycles, boats, recreational vehicles and homes. It's the fourth largest auto insurer in the country, the largest seller of motorcycle insurance and a leader in commercial auto insurance. Progressive also offers car insurance online in Australia at http://www.progressiveonline.com.au.
Founded in 1937, Progressive continues its long history of offering shopping tools and services that save customers time and money, like Name Your Price®, the Snapshot Discount®, and a concierge level of claims service.
The Common Shares of The Progressive Corporation, the Mayfield Village, Ohio-based holding company, are publicly traded at NYSE:PGR.
*The opportunity to test drive Snapshot is currently available in 35 states and Washington, D.C. More states will be added throughout the year.


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Peabody honors Revolutionary War
heroes at Patriots' Day ceremony
By Melanie Higgins
little more than 242 years
ago, seven Peabody men
(then from South Danvers)
died defending their coun-
try from injustices. The city
honored these men for their
deeds at a solemn ceremo-
ny last Monday, held at the
War Memorial on the corner
of Sewall and Washington
Streets. Surrounded by lo-
cal dignitaries, including the
mayor, veterans, Reverend
Dr. Bert White and residents,
their present-day counter-
parts fired off shots from their
muskets to commemorate
the occasion. Nearby, veteran
commandant in the Marine
Corps Steve Coddens played
"Taps" from his bugle.
Ca l l ing the fa l len men
"saints," Reverend White told
a narrative of the first few
days of the war and asked
attendees to reflect on the
"humiliation" and "inhuman
bloodshed"of those days. He
called attention to the fact
that many of the fallen were
"just boys" at 21 years old. He
then led a prayer.
"As I look at the names on
this statue, I think of the times
we are in today,"Peabody His-
torical Society President Rich-
ard St. Pierre, who helped or-
ganize the event, remarked
moments later. "We are liv-
ing in some pretty dangerous
times. These men who paid
the ultimate sacrifice were liv-
ing in dangerous times, too.
I like to think that the spirit
and the sacrifices they made
remind of us of the ideals we
have as Americans."
"So many times our nation
is tested." said Mayor Ted Bet-
tencourt, who paused to re-
flect on the occasion. "These
men who sacrificed for our
country, to build our country,
are something special."
Samuel Cook, 33, Benjamin
Daland, 25, George South-
wick, 25, Jotham Webb, 22,
and Ebenezer Goldthwaite,
21, rested yards away. Ja-
cobs, 21, is buried at the Ja-
cobs Family Cemetery, while
the locations of Putnam, 21,
and Webb, 21, are unknown
– although they are believed
to lie in Danvers.
The group bravely descend-
ed on Lexington on April 19,
1775, to fight the British sol-
diers in a battle that would
set off the Revolutionary War
and eventually lead to Amer-
ican independence. Led by
Colonel Pickering, the seven
men were of an original 477
of local Boston-area troops
that fought the British that
day, which brought them
through Arlington (Menoto-
my), Lexington and Concord;
49 were killed in the battle,
with 39 wounded and 5 miss-
ing. The seven Danvers men
were killed in a particularly
violent skirmish at the Jason
Russell house in Menotomy,
when the British soldiers at-
tacked them with bayonets.
Last Monday, they were
represented by the Danvers
Alarm List, a modern day ad-
aptation of the actual "alarm
list" – a regiment serving as
the last line of defense, typ-
ically composed of elderly
men who remained in their
homes. Henry Rutkowski, Bill
Clemens, Dan Cripps, SkipWi-
ley, Jim Driscoll and Billy Cle-
mens represented the fallen
men, dressed in authentic
military uniform of the time
"It means everything," said
veteran of the 2nd Corps Ca-
dets Ron Morneau of the cer-
emony. "[The revolutionary
war] was the beginning of
Peabody, MA
Your Hometown Newspaper!
Vol. 2, No. 16
Friday, April 21, 2017
Eye on the Ball…
Tanner co-captain Nick Palma lays down a bunt in Peabody's
sixth inning action against Revere last Saturday. The Tanners
went on to blank the Revere Patriots 6-0 in the Northeastern
Conference game. See story and photo highlights inside on
page 8.
(Advocate photo by Gregg Phipps)
Reverend Dr. BertWhite led local dignitaries and veterans in a prayer beside the PeabodyWar
Memorial at the city's annual Patriots' Day ceremony Monday. White called the fallen men
"saints"andaskedattendees to reflect on the sacrifices of AmericanRevolutionaryWar soldiers.
School Committee to start from
scratch in superintendent search
By Melanie Higgins
for the Peabody School
Committee. After a months-
long search that yielded six
finalists, then two, then one,
the school board will have
to go through the process all
over again. In the meantime,
interim Superintendent Herb
Levine will pick up the slack
for another year.
It was nothing personal for
the committee members in
their decision to waive the
top slot to the E.J. Harrington
Elementary School Principal,
Debra Ruggiero. Ultimate-
ly, none of the candidates
that the Massachusetts As-
sociation of School Commit-
tees (MASC) chose were suf-
ficiently qualified for the po-
sition. The city hired MASC to
conduct interviews andparse
candidates who did not have
experience with collective
bargaining, and not one can-
didatehadexperience formu-
lating a budget beyond the
building or department lev-
el," said Committee Member
Jarrod Hochman.
During the third interview
earlier this month, Ruggie-
ro, who is a Peabody resident,
attempted to persuade the
board otherwise. Committee
Ruggiero may not be able to
handle the $70 million bud-
get that the schools receive,
given that she is experienced
of one school. She explained
that including the senior lead-
ership teamwas helpful toher
making any decisions about
spending, and that they were
also informedby takingahard
look at data. "I don't want to
make a decision just because
we thinkwe need something,"
she said. "I do have the drive
and passion." She added, "I'm
reaching for the stars, andPea-
body is my star."
John Oteri, another candi-
date, dropped out at the last
minute, opting to gowith the
superintendent position in
Malden. Oteri was formerly
the headmaster at Somerville
HighSchool andwas tiedwith
Ruggiero for the top position.
Another candidate, former
assistant superintendent in
Gloucester Arthur Unobskey,
left toassume the superinten-
dent post inWayland.
Lourenco Garcia, principal
of Revere High School, Laura
Chesson, the assistant super-
intendent in Arlington, Peter
Badalament, an educational
consultant and former princi-
pal of Concord-Carlisle High
School, did not make the cut.
Ultimately, the board felt it
was better for Levine, who is
an experienced administra-
tor and already has years un-
der the belt workingwithPea-
body, toremain intheposition.
The Peabody School Com-
mittee has a lot on its plate in
theupcomingyear, withover-
crowded schools, the Middle
School BuildingProject wrap-
pingup its final phase and the
city taking a hard look at re-
districting. The board has yet
to say when the search will

subset: commoncrawl


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STARmeterSEE RANK
Up 911,032 this week
Michael G. Barnett
Michael G. Barnett was born in 1948 in Alberta, Canada as Michael Guy Barnett. He is a producer, known for Wayne Gretzky: Above and Beyond (1990), Ultimate Gretzky (2003) and The Top 5 Reasons You Can't Blame... (1999). He is married to Dalyce Barnett. They have five children. See full bio »
Born:in Alberta, Canada


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- 2 Beds
- 1 Bath
- 2 Cars
You will love this beautifully renovated elevated ground floor unit. It has a very spacious open plan lounge and dining area plus a big balcony with a nice sunny aspect. The kitchen is a stylish laminate design with stainless steel appliances and gas for cooking. There are two big bedrooms both with built-ins. The bathroom has been elegantly renovated earlier this year. Tiled throughout with air conditioning and a single lock-up garage with a secure car space. Internal floor area is 124m2 including balcony.Total area including lock-up garage and car space 153m2. Strata fees are $867.40 per quarter. This unit is owner occupied but could be rented for $450-$470 per week. Inspection by appointment welcome.
- Air Conditioning
- Built-In Wardrobes
- Close To Schools
- Close To Shops
- Close To Transport
- Secure Parking
1 garage space and 1 off street park
Do you want to find out more about this suburb? Enter your details to receive a free comprehensive suburb report.


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Shared on: Jun 18, 2015
Help your congregation through the tough times and to "be not dismayed" but to "cast all their anxieties on Him because He cares for them."
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A Word Of Encouragement To God's Children
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This sermon is a word of encouragement to the beleiver who feels discouraged due to various causes such as difficulties and disappointments.
The Secret Of Encouragement
Contributed by Bo Dunford on Mar 15, 2002
What to do when you need encouragement.
Contributed by Ken Gilmore on Jun 20, 2002
We need more encouragers in our churches. What are the characteristics of an encourager and a discourager. And some Bible examples of encouragers.
Encouragement: Making Others Strong
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As long as the church of Jesus Christ has the potential to improve, we need to be serious about encouraging others.
The Power Of Encouragement
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A little encouragement will go a long way!
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We all need to be encouraged. Do we however have an obligation to be encouragers?
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We are called to encourage one another.
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1- Encouragement must be spoken 2- Encouragement deals with good news 3- Encouragement ultimately leads people to God
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There is always a common bond between those who faithfully serve Christ. Their sharing in grace-gifted service for the Gospel of Christ, gives mutual encouragement be it by distant learning or close fellowship.
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A Guide to Nashville
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Recently, I am ashamed to say that almost all of my hobbies have gone on the backburner, despite the fact I actually have time to do them all right now. I haven't written any blog posts (aside from this one… I guess…), I've barely done any crochet, and I certainly haven't been keeping up with my household chores as well as I did a few weeks ago (not that I'd class that as a hobby, heh).
But why have I been slacking? Well, ironically, because I've been trying to make myself more organised. I discovered the joys of the Bullet Journal last week, and since then I have been obsessed with setting it up.
And when I say obsessed, I mean obsessed. Help, please. It's taken over my life.
For those of you unaware, a Bullet Journal is basically a cross between a calendar, a to-do list and a journal. (On a basic level.) It's a notebook and pen, 5 minutes at the end/start of your day, and, at the end of it all, an archive of your life.
A lot of people also use their Bullet Journal as a creative outlet – a place to doodle, write lists, jot down ideas and go crazy with designing the basic Bullet Journal modules. I think this was the part that really drew me in – the flexibility of the journal, the way you can design it all to fit your needs. We've all been there, haven't we, when we've started to use an app or a calendar and it just hasn't been right for us? Bullet Journals give you a chance to make it right for you. And the best thing is, you can change it as often as you like.
Instead of diving straight in with the recommended notebook – the Leuchtturm1917 – I decided to try out something simpler to get me started. I managed to find a pack of three Moleskine journals with squared pages (similar to these but bigger) and endeavoured to just roll with it. And that's what I've been doing… albeit a bit too obsessively.
So far I have filled up 17 pages, with 2 more near the beginning to set out. Before filling in the Index – an important trait of Bullet Journals – I used post-it notes to reserve and name my pages. I then moved them round as I saw fit, and even changed some of them.
The first two-page spread contains the Key and the Index. The Key simply demonstrates what each icon means within to-do lists and monthly logs, and also says what my different coloured pens mean (although I've deviated from this on probably more pages than I've actually stuck to it, all in the name of decoration!!!). The Index is the contents page, and you add to this after you've titled a new page. Most people reserve 3 pages for their Index, but because my journal is only small, I've only reserved the 1. I don't know if I'll run out of space or not – I only have a maximum of 80 pages to list!
The best thing about the Index is the fact that you can include pages from all over the book. If I start something on one page, and then start something else after it, I can resume the first thing elsewhere in the book and simply list it on the Index to keep track. This eliminates the one thing that digital means often have over written journals – the ability to move things around, and have unlimited space.
The next pages contain my Future Log. This is one of the first spreads I decorated, and I can't say I'm that happy with it. But this is where, at a glance, I can see what's going on over the next six months. My colour-coded events and tasks are here, along with my little doodles of bunnies, ice creams, umbrellas and snowflakes to signify the seasons (I know, cute. Totally).
Another great thing about the Bullet Journal is that if you make a mistake, you're generally encouraged to simply laugh at yourself for it rather than fret over it. Normally, I'm a total perfectionist – with things like blogs particularly, I tend to scrap everything and start over if something isn't right, rather than attempting to fix it. On this page I wrote "Q4" where I was meant to write "Q3", crossed it out, wrote "No Way!" beneath it, then stuck a sticker on top. It's a painful thing, having to deal with a mistake being there forever, but at least something cute is disguising it now!
Next up is one of my most recent spreads, and by far my favourite right now – my 2016 Books + Wishlist page! As you can see, I did away with my colour-coding for this page and used alternate colours to instead make everything look that little bit more exciting. Here I have my reading goal listed, how many books I've read this year so far, and my ratings for them. If I finish my current two books – Wuthering Heights and The Falconer – then I'll only have 3 books to go! The Wishlist side is for books I want to read that I don't currently have access to, to remind me if ever I go to a bookshop with the ability to buy books (that, unfortunately, doesn't happen often, because I simply have too many).
Next up, after my reserved "Memories" spread (not sure if I'm going to keep that as is or change it to something else) is my Monthly Log. This is a more in-depth version of the Future Log, listing everything that's happening in August and any tasks I want to complete or things I wish to achieve this month. Some people use this page to record what has happened each day rather than repeating stuff from the Future Log. I'm not entirely sure if having this and the Future Log is necessary, so I may change something else next time. (But, as I said, that's the beauty of it!)
Next up was originally going to be another double-page spread, but in the end I changed it to 2 single pages. On the left is pretty self-explanatory – what I'm Currently Reading, including start and end dates. I don't expect to be reading many more than 3 or 4 books in a month at the rate I'm currently going, so I'm fine with it just being 1-page long.
The right-hand side is a bit of actual journalling I decided to do on Thursday, after my third session of Volunteering. It's just some quick notes about what I did during my volunteering sessions, and some doodles to help me remember visually. It feels very bland compared to all the other pages because I didn't include any of my 3 colours. I wish, now, that I'd done the dates in those colours – wouldn't that have looked cute? Oh well!
This next spread is pretty important to me. A lot of Bullet Journalists (I guess that's what they're called?) like to record a Gratitude log, where they list a few things each day that they're thankful for, or happy about. I wanted to do something similar, but with Accomplishments instead. I also liked the idea of recording various Memories, both interesting and mundane, to look back on at the end of the month. I was originally going to colour-code these, but so far I haven't, so I might not. But, yes, this too is quite bland-looking right now!
Here are the pages I've dedicated to my Blog Schedule. All I'm doing here is recording posts on the day they come out, and listing topics I want to cover in the future. The DWP means Draft, Written and Published (I should find somewhere to write that on the page itself…). Also listed are the three main "themes" I want to follow with this blog: Travel, Books and Creativity. (More colour-coding, of course!)
Next up is the start of my Dailies. These are the little entries you fill in at the start or end of each day, giving yourself a list to work from. You can also include events/meetings that are already on your Future or Monthly logs, and you can migrate tasks from one day to the next depending on whether or not you feel they're worth carrying over. Some people also include things like the weather forecast, what time sunrise and sunset is, and other various doodles. I've included on mine the weather that actually happened (not the forecast) and a quick doodle (or attempt at a doodle) of the meal I cooked/we ate that day, just to keep track. It definitely needs refining, and the right-hand page will probably be different again!
And, finally, here's my Hobby Tracker. While committing time to making this journal I began to feel a bit overwhelmed at how many hobbies I was neglecting in the process. I decided to list them all, grade them depending on how enthusiastic about them I feel this month, write what I'm planning to achieve, and then list any non-date-specific tasks relating to those hobbies. I don't know how this will work, as I haven't seen anyone else do anything similar to this, but it's already helped me organise myself mentally a bit.
The pens I used, by the way, are PaperMate Inkjoy black, pink, blue and purple pens, plus a regular red biro. I had been planning on using a fineliner for my black writing, but soon discovered that the ink bled through the page quite badly (I'd recommend people who use fineliners or fountain pens to NOT use this particular Moleskine journal – unsure if the paper is the same across all Moleskines, however). I'm hoping to get some more colours soon and make things more colourful as the journal goes on. And, eventually, once I've decided that I do want to keep this up, I'll buy a Leuchtturm and do things a lot more glamorously. (You heard it here first.)
Saying that, the only thing I'm unhappy with about this journal so far is the red pen. I don't really know why I chose red over blue or green, but it is really beginning to jarr against the less harsh pink, blue and purple pens. I think after page 20, when I begin to add more pages, I'll change the red elements to blue and see how it goes. (The existing pages will have to stay as red, however.)
But otherwise, I am so, so excited about this. For now, I'm probably spending far too much time and energy on it, but I really am looking forward to when it's all set up and I can simply add to it a little each day. It'll never be complete, of course – if I think of new pages, I'll have to set them up – but in terms of the Daily and Monthly logs, I'm excited about just filling them up each day and letting them grow.
Anyway, thanks for reading! I'm not sure if I'll keep sharing my journal, or if I'll keep it more to myself. I like the idea of others getting ideas from my (quite rubbish) page designs, but all the same, I quite like being able to put private stuff in there. (See blurs.) We'll see though – and we'll see if I keep it up!
Do you have a BuJo? Let me know – I'd love to see it! 🙂


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"I know that horses perform at their best when they are happy in their home." Alan Jones
The racehorses are stabled behind the safely designed Monarch stabling. Their beds are mucked out twice a day in morning and evening stables.
The horse walker again supplied by Monarch offers a roofed model for horses to be worked in the comfort of a dry environment in all seasons or protected from the sun on the warmer days.
The gallop is on a steep gradient, this is strategic as Alan Jones feels it improves the horse's depth of fitness compared to when the horses are run on the flat or over hurdles.
In addition, Alan Jones facilities include an equine pool. Used to bring horses up to optimum fitness.


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I applied through a staffing agency. The process took 4+ weeks. I interviewed at Cleveland Clinic (Cleveland, OH) in May 2012.
I found out about the job through my staffing agency. She sent my resume to the department heads who had decided to ues outside agencies to move the job search along. They liked my resume and immidiately responded requesting an interview. I accepted and went on the interview about 2 weeks later due to holidays, etc. I did not go through their HR and interviewed directly with the the department heads, which consisted of a doctor and a manager. The interview process went very well, they answered all of my questions and we all left very pleased. My agency called to tell me that I was one of the front runners and they really really liked me; however, I would now have to complete the Clinic online application take an assessment to even qualifty for the job. Usually when you go through an agency, this part is bypassed, but I guess everyone has to eventually go through the HR process to get hired. I did what I was told and received an email from HR requesting another interview. I completed that interview by answering your basic interview questions and felt really good after. I then got a call from my agency saying they were going to pass on me. I'm not sure what happened, possibly the assessment, the background check, just not sure. While I have no criminal record, I do have less than stellar credit due to being unemployed for a few years and have had a few bankruptcies. I would hope that the Clinic wouldn't pass on somoneone with my qualifications because of that, but you never know.
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Girl's room
36 Pin151 Ακόλουθοι
Stenciled Accent Wall for Girls Bedroom - I spy @Serena & Lily bedding & a @Pottery Barn Kids chandelier in this gorgeous #biggirlroom! - Nicole from PN's pick
girl room
Terris Lightfoot Contracting
Dreamy pink mini chandelier with roses precious for nursery or little girls room!
Okay, I realize this is a nursery, but I am loving the light colors, chandelier, cozy fabrics... Also, I might go this route for RJ or another girl if we move someday. Cute!! Canary Grey Photography
Bunnies on the bed. I love this soooo much. I adore simple and elegant children's rooms. I want my daughter's room to look like this. :)
This room decor comes from a book published by Tilda - a French fabric retailer. It includes patterns and tutorials in order to create items featured in the book. Claradeparis.com loves it
Fit for a princess.
Pink Curtains match the comforter and beige walls


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SESSION AMERICANA me&thee coffeehouse, Marblehead MA 9/12/14 My first time back for me&thee's new season and it's good to see booker Kathy Sands-Boehmer, host Tony Toledo, and musical guest, old friends Session Americana. What started out as Session Americana's basic project with a bunch of cool guys sitting around one mic sharing tunes has developed into a more sophisticated stage setup—but that's just to help the audience appreciate the sound of each of the musicians equally. Setting the stage, at … Read More >>
Category Archives: Live Reviews
BOSTON Mohegan Sun, Uncasville, CT 6/28/14 This is the closest the band Boston will get to the city of Boston, so I have a two hour trip to see Tom Scholz and his group on their 2014 "Heaven On Earth" tour. There are now seven people on stage, six people singing, and four guitars too; which makes the set more of a production then just four guys plugging in and playing. The stinging double leads and great harmonies are … Read More >>
TRINARY SYSTEM Store 54, Allston, MA 5/30/14 The skies are spittin' tonight outside the coolest second-hand store in Allston, run by Wayne Podworny… I mean Wayne Viens, no, make that Wayne Valdez. Anyway, Wayne steps up to the mic and gives a little history of Store 54 that includes naming the first musician to play there about 25 years ago—Roger Miller. Roger is the leader of Trinary System—a band that unfolded out of the piano/drum duo—Binary System. Adding one digit to … Read More >>
HAYLEY SABELLA CD Release Party The Spire, Plymouth, MA 4/18/14 Hayley Sabella celebrates the release of her first full-length album, King Solomon, on Friday night, April 18, but to call it a celebration is an understatement. The night starts off with a full 30-minute Hollywood-worthy video of The Making of King Solomon, which segues seamlessly to a performance that the crowd of nearly two hundred will not soon forget. The "cast" includes some of the most prolific singer/songwriters around ,including Jake … Read More >>
JIM TRICK (opening for SUSAN WERNER) me&thee coffeehouse, Marblehead MA 3/28/14 I met this character named Jim Trick when I played a Beatles Benefit where each performer did one or two songs, and I made a mental note to check him out when I could see his whole set. So, what happens on the day off Jim's show—I end up running late, and miss his first two songs. To make up for the songs I missed, I'll tell you what happened at … Read More >>
THE JAMES MONTGOMERY BAND with BARRY GOUDREAU/ GARY HOEY Rock-N-Blues Guitar Summit The Larcom Theatre, Beverly MA 3/15/14 This North Shore venue is an old movie theater and has a great sound system; I always enjoy seeing a show at the cool club and tonight is no exception. A good description of Gary Hoey, solo for tonight only, is "one man, one acoustic guitar, and 20 guitar pedals." This Lowell legend CAN PLAY. His set contains a nice mix of covers from his new CD Deja … Read More >>
CHRIS SMITHER/ JONAH TOLCHIN me&thee coffeehouse, Marblehead, MA 1/24/14 The coffeehouse that once seemed so hard to find is as easy as a straight line. It's cold as the dickens outside and inside is nice and toasty. Host Phillip Murphy reminds us that February 20 marks the 44th birthday of this coffeehouse and then his evil twin brother barges in to drops some rhymes about the fire exits. This is not the place you expect to hear NYC rap but … Read More >>
RANDY BLACK & THE HEATHCROPPERS/ WILLIE ALEXANDER/ KINGDOM OF LOVE T.T. the Bear's, Cambridge MA 12/7/13 I get to T.T.'s nice and early for what is billed as a 6:00 show, and as I enter Kingdom of Love is playing to an empty room. Turns out it's just their soundcheck—the show doesn't start 'til 7:00. Being that it's a record release party for Randy Black & the Heathcroppers, T.T.'s owner Bonney Bouley lays out a spread … Read More >>


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Going Sugar Free – Three Weeks On.
It's been three weeks since the sugar cull began… It's safe to say I 'fell off the wagon' a little with the angst that the summer holidays brings. But I'm back on it now and trying incredibly hard to get back to where I was in my first update. I'm determined to achieve… View Post


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PMC-Widener: In Memory of Those Lost in BattleMay 27, 2011
With Memorial Day weekend fast approaching, I wanted to remember the alumni from Pennsylvania Military College and Widener University who lost their lives in service of their country. Below are the plaques from the PMC Class of 1963 memorial beside Alumni Auditorium that commemorate John "Jack" Lance Geoghegan and William "Buddy" James Stephenson. You can enlarge the images by clicking on them. To view the plaques from the memorial in front of Old Main that list of all 68 names of those from PMC and Widener who lost their lives in service of their country, click here.


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Latest News
Web Date: December 20, 2016
Web Date: December 20, 2016
Congress surprises science community by passing research bill
With last minute push, Congress clears new version of America Competes Act
Department: Government & Policy
Keywords: policy, research funding, Lamar Smith, NSF
Keywords: policy, research funding, Lamar Smith, NSF
A research bill that science advocates thought had died when Congress left for the holidays was unexpectedly revived on Dec. 16 when the House of Representatives passed it by unanimous consent in absentia.
The American Innovation and Competitiveness Act (S. 3084) is the newest iteration of the America Competes Act, which expired in 2013. The Senate passed the legislation earlier this month, and President Barack Obama is expected to . . .
To view the rest of this content, please log in with your ACS ID.
- Chemical & Engineering News
- Copyright © American Chemical Society


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Art Direction
Digital s Direction
Art Direction
Digital Direction Hello. My name is Kathryn Ciara Easthope & i am currently in my 3rd year at the Liverpool School of Art & Design studying Graphic Arts. The area od work i am most passionate about is fashion photogaphy and lyout design for fashion editorial. With this as my main area of interest, for my final major research project for my degree I am creating a publication, exploring the different aspects of tradionally art directed fashion photography vs the more recent development of creating the scene on a purely digital basis, which, for the sake of my publication i will be terming "digial direction� As one of the most popular outputs of fashion imagery, i was hoping you may find the time to look through these images & answer a few short questions related to art direction vs digital direction found on the last page If you are able to contribute to my research, your publication will be credited in my dissertation and any information you give will be quoted to you. thank you in advance for taking the time to read this document, and i really hope you find the topic of interest enough to respond Yours Kathryn Ciara Easthope
Art Direction
Digital Direction
1. Do you think these images - in the context of
editorial content - were more successful because of the fact that they were traditionally or digitally directed?
2. Do you think they would have been more/less successful if done the other way?
3. as part of a major out-putter of fashion
photography do you think there has been an increase in the amount of digitally directed shoots?
4. why do you think this is? time/money/ease etc? 5. in your own opinion which type of direction makes for the more iconic image?
6. Do you think it is worth the extra effort/money/
time to do a fashion shoot in the traditionally directed way? do you think this adds to the experience, is evident in the image and appreciated more by the viewer? Or do you think the advancements of the digital mean that viewers just automatically assume an image is digitized if the outcome is remotely fantastical?
thank you
Published on Aug 11, 2010
Art Direction Vs Digital Direction


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The London Track 3 Ski School is able to offer an affordable skiing experience for persons who suffer from a variety of disabilities largely because of the generous support provided through several funding initiatives.
If you are interested in supporting our program, our fundraising team can be reached at:email@example.com.
If you wish to make a donation to our program via Pay Pal, Click Here.
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Public Access is a perplexing little movie about an insidious drifter named Whiley (Ron Marquette) who stirs up controversy by starting his own public cable access show in the small town of Brewster. He asks one question of his viewers, "What's wrong with Brewster?" And slowly, it becomes clear that there's an awful lot wrong, culminating in several murders.
Continue reading: Public Access Review
The actor plays the titular hero in the forthcoming adaptation.
Rock legend Eric Clapton has admitted the era of the guitar may be ''over''.


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|Reviews for Past, Presents, & Future
| MissRe chapter 1 . 3/31/2009
What an awesome story. I loved it!
| neener.will.quit chapter 1 . 3/4/2009
wow. great job. that was beautiful. the story of the gift of the magi is always touching to me. now with my fave characters, its even better. keep on writing. you're wonderful.
| VampLoreLover chapter 1 . 2/27/2009
One: Sorry about the language I am about to use, I only use this when someting is really great.
Two: O..M..EFFING..G, that is one of the best story I have ever read, it was not like all the others, it was a soft, but not to soft story. This story gets my best rating ever! 10 stars( I only ever go up to 6, btw(. :)
Are you planning on writing(or have wrote) any more stories with different genres? I would love to read them if you are/have.
| Clancy67 chapter 1 . 2/17/2009
What an absolutely wonderful story! I can't begin to tell you how much I enjoyed reading it. Wow, you did an incredible job weaving their present with the flashbacks, bringing everything together.
Thank you SO much for sharing your story. I feel all warm and fuzzy inside!
| crazeeria chapter 1 . 2/8/2009
i loved this story. The Gift of the Magi is one of my favs and I love how you took gave twilight the flair of it!
| Insideitall chapter 1 . 2/8/2009
Loved it. Goodluck in the comp.
| stilljustceci chapter 1 . 2/5/2009
Sque! That's so sweet. And I've always thought "The Gift of the Magi" was THE most romantic story ever... screw tragedies. :)
| bemylullaby chapter 1 . 2/2/2009
loved it!
good luck!
| Craving.for.Icecream chapter 1 . 1/31/2009
Wow, that story is awesome! One of the best B&E Stories I ever read (and I've read a lot).
Keep writing such great stories, they make me happy!
| mish-p chapter 1 . 1/31/2009
Lovely. Just lovely.
| tehrager chapter 1 . 1/30/2009
aw. that was lovely.
| mllesinistre chapter 1 . 1/30/2009
Wonderful job with this story. It was well crafted and a pleasure to read.
| naelany chapter 1 . 1/26/2009
First story I read after WA. I'm stunned... and I think I melted a little... Love it!
| pugmomma chapter 1 . 1/23/2009
Great! Loved the whole thing!
| eye ree chapter 1 . 1/23/2009
this was so cute!


text: |On 20 June 2017, Bird & Bird delivered a half-day conference to a full house of members, addressing the impact of digital disruption on the legal landscape. Not only a hot topic, but we gathered at "Beef & Liberty" a very cool venue in LKF. With technology touching all aspects of our lives, the sessions provided members with an enhanced understanding of the transformative effect and legal implications of the adoption of technology on various aspects of business.


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South India Special
Book Now
Day : 1
Bangalore, the present capital State of Karnataka The capital of the state of Karnataka, Bangalore is situated halfway between the coasts in southern India. The city was founded in the 16th century, and witnessed great southern dynasties like the Kadambas, the Hoysalas and Vijayanagar emperors. Legend has it that the name Bangalore comes from "boiled beans" (Benda Kaluru), which was served by a humble old lady to a hungry ruler in the 16th century. After lunch visit to ISKON Temple. Places to see @ Bangalore: Lalbagh, Vidhana South, Museum, Art Gallery, Cubbon Park, Commercial town and capital city of Karnataka state. Over night stay at Bangalore
Day : 3
Bangalore – My sore (140 Kms/ 3 Hrs)
After breakfast proceed for the local sight seeing of Mysore covering Srirangapatnam, Tipus Summer Palace and Sriranganathaswamy Vishnu Temple and came in to the limelight during the period of Hyder Ali and Tipu Sultan during 18th century. Later visit Tipus former summer palace known as "Daria Daulat Bagh", which literally means "wealth of the sea".On arrival you visit to Mysore Maharajas Palace, which was designed by Henry Irwin and built between 1897 and 1912. This Indo-saracenic styled building is the famous landmark of Mysore Places to visit: Birundavanam Garden - Beautiful Illumination garden and lawn Mysore is one of the historic town and guidance cities to exhibit oldest Indian richest economy. Over night stay in Mysore
Day : 4
My sore - Ooty (160 Kms / 4 Hrs)
After breakfast, drive to Ooty via Mudhumalai & Bandhipur Wild Life Sanctuary. Ooty also known as Udagamandalam is the "Queen of hill stations" and the capital of Nilgiris district. It is one of the most popular tourist resorts in India. Nilgiris means "Blue Mountains". It is a land of picturesque picnic spots situated at an altitude of 2,240 meters above sea level Over night stay at Ooty.
Day : 5
After Breakfast, proceed for a local sight seeing of Ooty. Places to see: Ooty Botanical Garden, Lake, Boathouse. Ooty is the queen of hill station and a coolest green hill resorts. Over night stay at Ooty
Day : 6
Ooty - Cochin
On arrival at Cochin you take you for a half day sightseeing of Cochin, Visit: The Dutch Palace, Jewish Synagogue, Jews Street, St. Francis church, Chinese fishing net & the indo-Portuguese Museum Over night stay at Cochin
Day : 7
Cochin - Kumarakom
Drive to Alleppey, on arrival take a boat ride on the beautiful backwaters to Changanacherry. Drive to Kumarakom enroute to Kottayam one of Keralas most prosperous cities covered with rubber plantations and dotted with churches. Over night stay at Kumarakom
Day : 8
Kumarakom - Periyar (140 Kms / 4 Hrs)
AM at leisure on House Boat experience the pollution free air and after a good breakfast at 0900 Hrs check out from houseboat and we transfer to car then we take you to Thekkady (120 Kms / 4 Hrs) drive through panoramic western ghats hills covered with spice plantations and occasional view of water falls and streams. On arrival at Thekkady, check into Hotel. By afternoon expedience the mind bowing view of calm crystal clear Periyar Lake, whistles of birds and murmurings of wild animals will seduce your mind for romance. Over night stay in Thekkady.
Day : 9
Periyar - Madurai (120 Kms / 04 Hrs)
Afternoon, drive to Madurai (which is known as the Nectar city of Tamilnadu) and also the oldest city in Tamilnadu. Upon arrival visit more than 2500 years old. Meenakshi Amman Temple. Dominates the city evolved around it. The temple is mainly dedicated to Goddess Meenakshi and also to Lord Shiva (as Sundareshwar), Evening Visit the Tirumala Nayak Palace. Later in the evening witness a religious night ceremony at the Meenakshi temple Over night stay at Madurai.
Day : 10
Madurai – Trichy (130 Kms / 02.30 Hrs)
After breakfast drive to Trichy is situated on the banks of Kaveri River-On Arrival. you will visit to one of the most famous land mark of Trichy is a rock – fort with Ganesh temple on the top of hill as known as Uchi Pillaiyar temple. Which is the 83 meter high rock, it is one of the oldest in the world then you will visit Sriranganathan Swami Temple at Sri Rangam, this temple dedicated to Lord Vishnu. Over night stay at Trichy
Day : 11
Trichy – Pondicherry (200 Kms / 04 Hrs)
After breakfast drive to Pondicherry drive to Pondicherry. This former French enclave maintains its colonial charm and Gallic feel but is unmistakably Indian at the same time. we will take a walking tour to explore some of the history of the town. Over night stay at Pondicherry
Day : 12
Pondicherry - Mahabalipuram (110 Kms/ 02 Hrs) - Chennai (60 Kms)
Pondicherry is the capital of the French colonies in India since the 17th century. Later take a sightseeing tour of Pondicherry visiting the Aurobindo Ashram, which has been a seat of learning and Vedic cultures since ancient times proceed to Auroville, the planned city of Dawn of the new world. Evening you can visit local market and colonies. After lunch drive to Mahabalipuram. On arrival transfer to the hotel later take a sightseeing tour of the city built in the 7th century, this ancient city is said to be a sculptors delight, boasting of some of Indias most sublime rock-cut art, for which it is now a World Heritage site, visit the seven pagoda-style Shore temples, lashed by the waves of the sea and the seven Rathas or temple chariots, a group of monolithic monuments & animal figures carved out of solid rock, the earliest known examples of Dravidian architecture. They were constructed in a single century-long burst of creative enthusiasm then drive Chennai Evening you will be transferred to the Airport and leave our country carrying with magical memories of our tour


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St Cloud State Chinese courses
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 St Cloud State Chinese courses, and registering for departmental seminars and elective lectures. As a student, your first stop should be the registrar's office, where you can pick up a free copy of both the academic calendar and course catalog, in order to find available credit classes that you may be interested in taking. In-person class registration has largely been replaced with online sign-up, and many schools offer mobile apps that streamline the course registration process. Finally, check with your major department for assistance with prerequisites, tuition payment deadlines, and St Cloud State Chinese Language information. Please use the form above to request admissions info for St Cloud State.
Whether you would like to study language to broaden your cultural skills, or are thinking of living abroad, learning a foreign language may help you land a job after graduation. While it's true that taking Arabic or Chinese classes would be great in order to tour Asia or the Middle East, it's a fact that becoming a bilingual speaker is a great skill to list on your resume. Most Arabic of Chinese language courses will have advanced placement (AP) testing available, if you seek advanced standing, or college credit for language fluency that you possess.
If you want to learn to speak a language, there's no easy way around straight memorization, speaking practice, diction drills, and vocabulary fluency. If you note that a young child can pick up a new language in under four years just by watching and listening to others, think what you can do with concentrated language study. The Foreign Service Institute has developed rapid-learning language programs in both Arabic and Chinese, and the Rosetta Stone program is a software-based introduction to a language, which teaches you basic vocabulary, pronunciation, spelling, and grammar. Beyond consideration for St Cloud State Chinese courses, you may think about Richard Stockton College basic studies for complementary electives to your primary course of study.
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text:
- Classes
- Alphabetical
- Class Headings
- General Remarks
- Modifications
- Search
Class 1Chemicals used in industry, science and photography, as well as in agriculture, horticulture and forestry; unprocessed artificial resins, unprocessed plastics; manures; fire extinguishing compositions; tempering and soldering preparations; chemical substances for preserving foodstuffs; tanning substances; adhesives used in industry.
Explanatory Note
Class 1 includes mainly chemical products used in industry, science and agriculture, including those which go to the making of products belonging to other classes.
- compost;
- salt for preserving other than for foodstuffs;
- certain additives for the food industry (consult the Alphabetical List of Goods).
Class 2Paints, varnishes, lacquers; preservatives against rust and against deterioration of wood; colorants; mordants; raw natural resins; metals in foil and powder form for painters, decorators, printers and artists.
Explanatory Note
Class 2 includes mainly paints, colorants and preparations used for the protection against corrosion.
- paints, varnishes and lacquers for industry, handicrafts and arts;
- dyestuffs for clothing;
- colorants for foodstuffs and beverages.
Class 3Bleaching preparations and other substances for laundry use; cleaning, polishing, scouring and abrasive preparations; soaps; perfumery, essential oils, cosmetics, hair lotions; dentifrices.
Explanatory Note
Class 3 includes mainly cleaning preparations and toilet preparations.
- deodorants for human beings or for animals;
- room fragrancing preparations;
- sanitary preparations being toiletries.
Class 4Industrial oils and greases; lubricants; dust absorbing, wetting and binding compositions; fuels (including motor spirit) and illuminants; candles and wicks for lighting.
Explanatory Note
Class 4 includes mainly industrial oils and greases, fuels and illuminants.
- certain special industrial oils and greases (consult the Alphabetical List of Goods).
Class 5Pharmaceutical and veterinary preparations; sanitary preparations for medical purposes; dietetic food and substances adapted for medical or veterinary use, food for babies; dietary supplements for humans and animals; plasters, materials for dressings; material for stopping teeth, dental wax; disinfectants; preparations for destroying vermin; fungicides, herbicides.
Explanatory Note
Class 5 includes mainly pharmaceuticals and other preparations for medical or veterinary purposes.
- sanitary preparations for personal hygiene, other than toiletries;
- diapers for babies and incontinents;
- deodorants other than for human beings or for animals;
- dietary supplements, intended to supplement a normal diet or to have health benefits;
- meal replacements, dietetic food and beverages, adapted for medical or veterinary use;
- cigarettes without tobacco, for medical purposes.
Class 6Common metals and their alloys; metal building materials; transportable buildings of metal; materials of metal for railway tracks; non-electric cables and wires of common metal; ironmongery, small items of metal hardware; pipes and tubes of metal; safes; goods of common metal not included in other classes; ores.
Explanatory Note
Class 6 includes mainly unwrought and partly wrought common metals as well as simple products made of them.
Class 7Machines and machine tools; motors and engines (except for land vehicles); machine coupling and transmission components (except for land vehicles); agricultural implements other than hand-operated; incubators for eggs; automatic vending machines.
Explanatory Note
Class 7 includes mainly machines, machine tools, motors and engines.
- parts of motors and engines (of all kinds);
- electric cleaning machines and apparatus.
Class 8Hand tools and implements (hand-operated); cutlery; side arms; razors.
Explanatory Note
Class 8 includes mainly hand-operated implements used as tools in the respective professions.
- cutlery of precious metals;
- electric razors and clippers (hand instruments).
Class 9Scientific, nautical, surveying, photographic, cinematographic, optical, weighing, measuring, signalling, checking (supervision), life-saving and teaching apparatus and instruments; apparatus and instruments for conducting, switching, transforming, accumulating, regulating or controlling electricity; apparatus for recording, transmission or reproduction of sound or images; magnetic data carriers, recording discs; compact discs, DVDs and other digital recording media; mechanisms for coin-operated apparatus; cash registers, calculating machines, data processing equipment, computers; computer software; fire-extinguishing apparatus.
Explanatory Note
- apparatus and instruments for scientific research in laboratories;
- apparatus and instruments for controlling ships, such as apparatus and instruments for measuring and for transmitting orders;
- protractors;
- punched card office machines;
- all computer programs and software regardless of recording media or means of dissemination, that is, software recorded on magnetic media or downloaded from a remote computer network.
- the following electrical apparatus and instruments:
- electromechanical apparatus for the kitchen (grinders and mixers for foodstuffs, fruit presses, electrical coffee mills, etc.), and certain other apparatus and instruments driven by an electrical motor, all coming under Class 7;
- apparatus for pumping or dispensing fuels (Cl. 7);
- electric razors, clippers (hand instruments) and flat irons (Cl. 8);
- electrical apparatus for space heating or for the heating of liquids, for cooking, ventilating, etc. (Cl. 11);
- electric toothbrushes and combs (Cl. 21);
- clocks and watches and other chronometric instruments (Cl. 14);
- control clocks (Cl. 14);
- amusement and game apparatus adapted for use with an external display screen or monitor (Cl. 28).
Class 10Surgical, medical, dental and veterinary apparatus and instruments, artificial limbs, eyes and teeth; orthopedic articles; suture materials.
Explanatory Note
Class 10 includes mainly medical apparatus, instruments and articles.
- special furniture for medical use;
- hygienic rubber articles (consult the Alphabetical List of Goods);
- supportive bandages.
Class 11Apparatus for lighting, heating, steam generating, cooking, refrigerating, drying, ventilating, water supply and sanitary purposes.
Explanatory Note
- air conditioning apparatus;
- bed warmers, hot water bottles, warming pans, electric or non-electric;
- electrically heated cushions (pads) and blankets, not for medical purposes;
- electric kettles;
- electric cooking utensils.
Class 12Vehicles; apparatus for locomotion by land, air or water.
Explanatory Note
- motors and engines for land vehicles;
- couplings and transmission components for land vehicles;
- air cushion vehicles.
- certain special vehicles not for transportation purposes (consult the Alphabetical List of Goods);
- certain parts of vehicles (consult the Alphabetical List of Goods);
- railway material of metal (Cl. 6);
- motors, engines, couplings and transmission components other than for land vehicles (Cl. 7);
- parts of motors and engines (of all kinds) (Cl. 7).
Class 13Firearms; ammunition and projectiles; explosives; fireworks.
Explanatory Note
Class 13 includes mainly firearms and pyrotechnical products.
- matches (Cl. 34).
Class 14Precious metals and their alloys and goods in precious metals or coated therewith, not included in other classes; jewellery, precious stones; horological and chronometric instruments.
Explanatory Note
Class 14 includes mainly precious metals, goods in precious metals not included in other classes and, in general jewellery, clocks and watches.
- jewellery (i.e., imitation jewellery and jewellery of precious metal and stones);
- cuff links, tie pins.
- goods in precious metals classified according to their function or purpose, for example, metals in foil and powder form for painters, decorators, printers and artists (Cl. 2), amalgam of gold for dentists (Cl. 5), cutlery (Cl. 8), electric contacts (Cl. 9), pen nibs of gold (Cl. 16), teapots (Cl. 21), gold and silver embroidery (Cl. 26), cigar boxes (Cl. 34);
- objects of art not of precious metals (classified according to the material of which they consist).
Class 15Musical instruments.
Explanatory Note
- mechanical pianos and their accessories;
- musical boxes;
- electrical and electronic musical instruments.
- apparatus for the recording, transmission, amplification and reproduction of sound (Cl. 9).
Class 16Paper, cardboard and goods made from these materials, not included in other classes; printed matter; bookbinding material; photographs; stationery; adhesives for stationery or household purposes; artists' materials; paint brushes; typewriters and office requisites (except furniture); instructional and teaching material (except apparatus); plastic materials for packaging (not included in other classes); printers' type; printing blocks.
Explanatory Note
Class 16 includes mainly paper, goods made from that material and office requisites.
- paper knives;
- duplicators;
- plastic sheets, sacks and bags for wrapping and packaging.
Class 17Rubber, gutta-percha, gum, asbestos, mica and goods made from these materials and not included in other classes; plastics in extruded form for use in manufacture; packing, stopping and insulating materials; flexible pipes, not of metal.
Explanatory Note
Class 17 includes mainly electrical, thermal and acoustic insulating materials and plastics, being for use in manufacture in the form of sheets, blocks and rods.
- rubber material for recapping tyres;
- padding and stuffing materials of rubber or plastics;
- floating anti-pollution barriers.
Class 18Leather and imitations of leather, and goods made of these materials and not included in other classes; animal skins, hides; trunks and travelling bags; umbrellas and parasols; walking sticks; whips, harness and saddlery.
Explanatory Note
Class 18 includes mainly leather, leather imitations, travel goods not included in other classes and saddlery.
- clothing, footwear, headgear (consult the Alphabetical List of Goods).
Class 19Building materials (non-metallic); non-metallic rigid pipes for building; asphalt, pitch and bitumen; non-metallic transportable buildings; monuments, not of metal.
Explanatory Note
Class 19 includes mainly non-metallic building materials.
- semi-worked woods (for example, beams, planks, panels);
- veneers;
- building glass (for example, floor slabs, glass tiles);
- glass granules for marking out roads;
- letter boxes of masonry.
Class 20Furniture, mirrors, picture frames; goods (not included in other classes) of wood, cork, reed, cane, wicker, horn, bone, ivory, whalebone, shell, amber, mother-of-pearl, meerschaum and substitutes for all these materials, or of plastics.
Explanatory Note
Class 20 includes mainly furniture and its parts and plastic goods, not included in other classes.
- metal furniture and furniture for camping;
- bedding (for example, mattresses, spring mattresses, pillows);
- looking glasses and furnishing or toilet mirrors;
- registration number plates not of metal;
- letter boxes not of metal or masonry.
Class 21Household or kitchen utensils and containers; combs and sponges; brushes (except paintbrushes); brush-making materials; articles for cleaning purposes; steelwool; unworked or semi-worked glass (except glass used in building); glassware, porcelain and earthenware not included in other classes.
Explanatory Note
Class 21 includes mainly small, hand-operated utensils and apparatus for household and kitchen use as well as toilet utensils, glassware and articles in porcelain.
- utensils and containers for household and kitchen use, for example, kitchen utensils, pails, pans of iron, of aluminium, of plastics or of other materials, small hand-operated apparatus for mincing, grinding or pressing;
- electric combs;
- electric toothbrushes;
- dish stands and decanter stands.
- certain goods made of glass, porcelain and earthenware (consult the Alphabetical List of Goods);
- cleaning preparations, soaps, etc. (Cl. 3);
- small apparatus for mincing, grinding or pressing, which are driven by electricity (Cl. 7);
- razors and shaving apparatus, clippers (hand instruments), metal implements and utensils for manicure and pedicure (Cl. 8);
- cooking utensils, electric (Cl. 11);
- toilet mirrors (Cl. 20).
Class 22Ropes, string, nets, tents, awnings, tarpaulins, sails, sacks and bags (not included in other classes); padding and stuffing materials (except of rubber or plastics); raw fibrous textile materials.
Explanatory Note
Class 22 includes mainly rope and sail manufacture products, padding and stuffing materials and raw fibrous textile materials.
- cords and twines in natural or artificial textile fibres, paper or plastics.
- certain nets, sacks and bags (consult the Alphabetical List of Goods);
- strings for musical instruments (Cl. 15).
Class 23Yarns and threads, for textile use.
Explanatory Note
Class 24Textiles and textile goods, not included in other classes; bed covers; table covers.
Explanatory Note
Class 24 includes mainly textiles (piece goods) and textile covers for household use.
- bedding linen of paper.
Class 25Clothing, footwear, headgear.
Explanatory Note
- certain clothing and footwear for special use (consult the Alphabetical List of Goods).
Class 26Lace and embroidery, ribbons and braid; buttons, hooks and eyes, pins and needles; artificial flowers.
Explanatory Note
Class 26 includes mainly dressmakers' articles.
- slide fasteners.
- certain special types of hooks (consult the Alphabetical List of Goods);
- certain special types of needles (consult the Alphabetical List of Goods);
- yarns and threads for textile use (Cl. 23).
Class 27Carpets, rugs, mats and matting, linoleum and other materials for covering existing floors; wall hangings (non-textile).
Explanatory Note
Class 27 includes mainly products intended to be added as furnishings to previously constructed floors and walls.
- wooden flooring (Cl. 19).
Class 28Games and playthings; gymnastic and sporting articles not included in other classes; decorations for Christmas trees.
Explanatory Note
- amusement and game apparatus adapted for use with an external display screen or monitor;
- fishing tackle;
- equipment for various sports and games.
Class 29Meat, fish, poultry and game; meat extracts; preserved, frozen, dried and cooked fruits and vegetables; jellies, jams, compotes; eggs; milk and milk products; edible oils and fats.
Explanatory Note
Class 29 includes mainly foodstuffs of animal origin as well as vegetables and other horticultural comestible products which are prepared for consumption or conservation.
- milk beverages (milk predominating).
- certain foodstuffs of plant origin (consult the Alphabetical List of Goods);
- baby food (Cl. 5);
- dietetic food and substances adapted for medical use (Cl. 5);
- dietary supplements (Cl. 5);
- salad dressings (Cl. 30);
- fertilised eggs for hatching (Cl. 31);
- foodstuffs for animals (Cl. 31);
- live animals (Cl. 31).
Class 30Coffee, tea, cocoa and artificial coffee; rice; tapioca and sago; flour and preparations made from cereals; bread, pastry and confectionery; edible ices; sugar, honey, treacle; yeast, baking-powder; salt; mustard; vinegar, sauces (condiments); spices; ice.
Explanatory Note
Class 30 includes mainly foodstuffs of plant origin prepared for consumption or conservation as well as auxiliaries intended for the improvement of the flavour of food.
- beverages with coffee, cocoa, chocolate or tea base;
- cereals prepared for human consumption (for example, oat flakes and those made of other cereals).
- certain foodstuffs of plant origin (consult the Alphabetical List of Goods);
- salt for preserving other than for foodstuffs (Cl. 1);
- medicinal teas and dietetic food and substances adapted for medical use (Cl. 5);
- baby food (Cl. 5);
- dietary supplements (Cl. 5);
- raw cereals (Cl. 31);
- foodstuffs for animals (Cl. 31).
Class 31Grains and agricultural, horticultural and forestry products not included in other classes; live animals; fresh fruits and vegetables; seeds; natural plants and flowers; foodstuffs for animals; malt.
Explanatory Note
Class 31 includes mainly land products not having been subjected to any form of preparation for consumption, live animals and plants as well as foodstuffs for animals.
- raw woods;
- raw cereals;
- fertilised eggs for hatching;
- mollusca and crustacea (live).
Class 32Beers; mineral and aerated waters and other non-alcoholic beverages; fruit beverages and fruit juices; syrups and other preparations for making beverages.
Explanatory Note
Class 32 includes mainly non-alcoholic beverages, as well as beer.
- de-alcoholised beverages.
Class 33Alcoholic beverages (except beers).
Class 34Tobacco; smokers' articles; matches.
Explanatory Note
- tobacco substitutes (not for medical purposes).
- cigarettes without tobacco, for medical purposes (Cl. 5).
Class 35Advertising; business management; business administration; office functions.
Explanatory Note
Class 35 includes mainly services rendered by persons or organizations principally with the object of: 1. help in the working or management of a commercial undertaking, or 2. help in the management of the business affairs or commercial functions of an industrial or commercial enterprise, as well as services rendered by advertising establishments primarily undertaking communications to the public, declarations or announcements by all means of diffusion and concerning all kinds of goods or services.
- the bringing together, for the benefit of others, of a variety of goods (excluding the transport thereof), enabling customers to conveniently view and purchase those goods; such services may be provided by retail stores, wholesale outlets, through mail order catalogues or by means of electronic media, for example, through web sites or television shopping programmes;
- services consisting of the registration, transcription, composition, compilation or systematization of written communications and registrations, and also the compilation of mathematical or statistical data;
- services of advertising agencies and services such as the distribution of prospectuses, directly or through the post, or the distribution of samples. This Class may refer to advertising in connection with other services, such as those concerning bank loans or advertising by radio.
- services such as evaluations and reports of engineers which do not directly refer to the working or management of affairs in a commercial or industrial enterprise (consult the Alphabetical List of Services).
Class 36Insurance; financial affairs; monetary affairs; real estate affairs.
Explanatory Note
Class 36 includes mainly services rendered in financial and monetary affairs and services rendered in relation to insurance contracts of all kinds.
- services relating to financial or monetary affairs comprise the following:
- services of all the banking establishments, or institutions connected with them such as exchange brokers or clearing services;
- services of credit institutions other than banks such as co-operative credit associations, individual financial companies, lenders, etc.;
- services of "investment trusts," of holding companies;
- services of brokers dealing in shares and property;
- services connected with monetary affairs vouched for by trustees;
- services rendered in connection with the issue of travellers' cheques and letters of credit;
- hire- or lease-purchase financing;
- services of realty administrators of buildings, i.e., services of letting or valuation, or financing;
- services dealing with insurance such as services rendered by agents or brokers engaged in insurance, services rendered to insured, and insurance underwriting services.
Class 37Building construction; repair; installation services.
Explanatory Note
Class 37 includes mainly services rendered by contractors or subcontractors in the construction or making of permanent buildings, as well as services rendered by persons or organizations engaged in the restoration of objects to their original condition or in their preservation without altering their physical or chemical properties.
- services relating to the construction of buildings, roads, bridges, dams or transmission lines and services of undertakings specializing in the field of construction such as those of painters, plumbers, heating installers or roofers;
- services auxiliary to construction services like inspections of construction plans;
- services of shipbuilding;
- services consisting of hiring of tools or building materials;
- repair services, i.e., services which undertake to put any object into good condition after wear, damage, deterioration or partial destruction (restoration of an existing building or another object that has become imperfect and is to be restored to its original condition);
- various repair services such as those in the fields of electricity, furniture, instruments, tools, etc.;
- services of maintenance for preserving an object in its original condition without changing any of its properties (for the difference between this Class and Class 40 see the Explanatory Note of Class 40).
Class 38Telecommunications.
Explanatory Note
Class 38 includes mainly services allowing at least one person to communicate with another by a sensory means. Such services include those which: 1. allow one person to talk to another, 2. transmit messages from one person to another, and 3. place a person in oral or visual communication with another (radio and television).
- services which consist essentially of the diffusion of radio or television programmes.
Class 39Transport; packaging and storage of goods; travel arrangement.
Explanatory Note
Class 39 includes mainly services for the transport of people, animals or goods from one place to another (by rail, road, water, air or pipeline) and services necessarily connected with such transport, as well as services relating to the storing of goods in a warehouse or other building for their preservation or guarding.
- services rendered by companies exploiting stations, bridges, rail-road ferries, etc., used by the transporter;
- services connected with the hiring of transport vehicles;
- services connected with maritime tugs, unloading, the functioning of ports and docks and the salvaging of wrecked ships and their cargoes;
- services connected with the packaging and parcelling of goods before dispatch;
- services consisting of information about journeys or the transport of goods by brokers and tourist agencies, information relating to tariffs, timetables and methods of transport;
- services relating to the inspection of vehicles or goods before transport.
- services relating to advertising transport undertakings such as the distribution of prospectuses or advertising on the radio (Cl. 35);
- services relating to the issuing of travellers' cheques or letters of credit by brokers or travel agents (Cl. 36);
- services relating to insurances (commercial, fire or life) during the transport of persons or goods (Cl. 36);
- services rendered by the maintenance and repair of vehicles, nor the maintenance or repair of objects connected with the transport of persons or goods (Cl. 37);
- services relating to reservation of rooms in a hotel by travel agents or brokers (Cl. 43).
Class 40Treatment of materials.
Explanatory Note
Class 40 includes mainly services not included in other classes, rendered by the mechanical or chemical processing or transformation of objects or inorganic or organic substances. For the purposes of classification, the mark is considered a service mark only in cases where processing or transformation is effected for the account of another person. A mark is considered a trade mark in all cases where the substance or object is marketed by the person who processed or transformed it.
- services relating to transformation of an object or substance and any process involving a change in its essential properties (for example, dyeing a garment); consequently, a maintenance service, although usually in Class 37, is included in Class 40 if it entails such a change (for example, the chroming of motor vehicle bumpers);
- services of material treatment which may be present during the production of any substance or object other than a building; for example, services which involve cutting, shaping, polishing by abrasion or metal coating.
- repair services (Cl. 37).
Class 41Education; providing of training; entertainment; sporting and cultural activities.
Explanatory Note
Class 41 covers mainly services rendered by persons or institutions in the development of the mental faculties of persons or animals, as well as services intended to entertain or to engage the attention.
- services consisting of all forms of education of persons or training of animals;
- services having the basic aim of the entertainment, amusement or recreation of people;
- presentation of works of visual art or literature to the public for cultural or educational purposes.
Class 42Scientific and technological services and research and design relating thereto; industrial analysis and research services; design and development of computer hardware and software.
Explanatory Note
Class 42 includes mainly services provided by persons, individually or collectively, in relation to the theoretical and practical aspects of complex fields of activities; such services are provided by members of professions such as chemists, physicists, engineers, computer programmers, etc.
- the services of engineers and scientists who undertake evaluations, estimates, research and reports in the scientific and technological fields (including technological consultancy);
- scientific research services for medical purposes.
- business research and evaluations (Cl. 35);
- word processing and computer file management services (Cl. 35);
- financial and fiscal evaluations (Cl. 36);
- mining and oil extraction (Cl. 37);
- computer (hardware) installation and repair services (Cl. 37);
- services provided by the members of professions such as medical doctors, veterinary surgeons, psychoanalysts (Cl. 44);
- medical treatment services (Cl. 44);
- garden design (Cl. 44);
- legal services (Cl. 45).
Class 43Services for providing food and drink; temporary accommodation.
Explanatory Note
Class 43 includes mainly services provided by persons or establishments whose aim is to prepare food and drink for consumption and services provided to obtain bed and board in hotels, boarding houses or other establishments providing temporary accommodation.
- reservation services for travellers' accommodation, particularly through travel agencies or brokers;
- boarding for animals.
Class 44Medical services; veterinary services; hygienic and beauty care for human beings or animals; agriculture, horticulture and forestry services.
Explanatory Note
Class 44 includes mainly medical care, hygienic and beauty care given by persons or establishments to human beings and animals; it also includes services relating to the fields of agriculture, horticulture and forestry.
- medical analysis services relating to the treatment of persons (such as x-ray examinations and taking of blood samples);
- artificial insemination services;
- pharmacy advice;
- animal breeding;
- services relating to the growing of plants such as gardening;
- services relating to floral art such as floral compositions as well as garden design.
- vermin exterminating (other than for agriculture, horticulture and forestry) (Cl. 37);
- installation and repair services for irrigation systems (Cl. 37);
- ambulance transport (Cl. 39);
- animal slaughtering services and taxidermy (Cl. 40);
- timber felling and processing (Cl. 40);
- animal training services (Cl. 41);
- health clubs for physical exercise (Cl. 41);
- scientific research services for medical purposes (Cl. 42);
- boarding for animals (Cl. 43);
- retirement homes (Cl. 43).
Class 45Legal services; security services for the protection of property and individuals; personal and social services rendered by others to meet the needs of individuals.
Explanatory Note
- services rendered by lawyers, legal assistants, and personal advocates, to individuals, groups of individuals, organizations and enterprises;
- investigation and surveillance services relating to the safety of persons and entities;
- services provided to individuals in relation with social events, such as social escort services, matrimonial agencies, funeral services.
- professional services giving direct aid in the operations or functions of a commercial undertaking (Cl. 35);
- services relating to financial or monetary affairs and services dealing with insurance (Cl. 36);
- escorting of travellers (Cl. 39);
- security transport (Cl. 39);
- services consisting of all forms of education of persons (Cl. 41);
- performances of singers or dancers (Cl. 41);
- computer services for the protection of software (Cl. 42);
- services provided by others to give medical, hygienic or beauty care for human beings or animals (Cl. 44);
- certain rental services (consult the Alphabetical List of Services and General Remark (b) relating to the classification of services).


text:
Suddenly it's Spring....
- 16th February 2012
As the days are getting longer and the garden begins to wake up after the dark days of winter, now is the time to think about how to bring your garden back to life. With flashes of colour from daffodils, tulips and crocuses and the pretty fall of the cherry blossom, we all start to think of the balmy evenings to come, spent quaffing a few glasses of wine with family and friends. So how can we prepare and set the scene?
You could consider creating a central feature of a fountain to add drama and focus. Here at Wells Reclamation, we have a varied collection of garden water features to suit all budgets. The soothing sound of water is wonderful after a stressful day at work or chasing after the young brood!
For a more social feature, how about a permanent seating area housed within a dramatic iron gazebo, under a rose arch or even in a stone folly? Check out the options we have here at Wells Reclamation to give you some ideas for your own creation.
Of course, the purchase of some new garden furniture is sometimes all you need to make your garden more welcoming. The options are endless - wood, stone or metal. Contemporary or classic in design, there is garden furniture to suit everyones tastes. We have a varied selection with options to appeal to all.
By adding a few fairy lights in the trees and some tea light lanterns, outside entertaining couldn't be easier!
- 18th August 2017
Coffee Shop Now Open!
- 24th May 2017
Got a difficult friend? We can help.
- 4th March 2017
Hello Spring!
- 13th January 2017
Warm your cockles...
- 12th January 2017
Thought for the day...
- 11th January 2017
Thought for the day...
- 3rd January 2017
Happy New Year!
- 24th December 2016
Joke Advent Calendar - Window number 24
- 23rd December 2016
Joke Advent Calendar - Window number 23
- 22nd December 2016
Joke Advent Calendar - Window number 22


text:
Hello Kidlist fans!
I love love love hearing from you (did I mention how much I love it?). If we all pool our resources, we'll have that many more ideas to share! If you have an idea, comment or suggestion, or even just a link that might appeal to Kidlist readers, email me at [email protected].
Know about an event? Everyone is welcomed to add events to the calendar. Just click the blue "submit your event" button on the calendar page, and fill in the simple form.
You can also meet the team behind kidlist • activities for kids and read about me, the creator and editor, as well as the other awesome contributors to the site.
Are you a business owner?
Click here to check out ways you can reach families in the near western suburbs from Chicago to Naperville.


text:
found a new home!
Plenty of my friends are looking
for one too. Find a pet to adopt.
I am good with kids, good with dogs, and good with cats.
Merrill, a hartford Boxer/Labrador Retriever puppy was adopted! Here's how you can benefit by looking at adoption as an option to buying a Boxer/Labrador Retriever for sale in hartford, or seeking a Boxer/Labrador Retriever puppy from a breeder in hartford.


text:
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Efrain Nava
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Programing & Developing are just a hobby for me, I am looking for new knowledge all the time.
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