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|[ A colorful fountain at Lincoln Road Mall in Miami. ]
Once we had our fill of browsing luxury and unique titles, we walked around the outdoor "mall" that reminded this California girl a little bit of Third Street Promenade in Santa Monica. I pulled my hubby into Anthropologie for a spell because I'm powerless to resist its charms, and then we decided it was time for lunch.
While I had thought we'd grab a bite at the Cafe at Books & Books, G and I passed by a Cuban restaurant, Havana 1957, and felt it only appropriate that we have some Cuban cuisine while in Miami. The meal began with a silver pail piled high with thin and crispy plantain chips and we quickly ordered up two mojitos: Clasico for the hubs, Fresh Kiwi for me. I am not a big mojito fan since they typically have too much mint for my liking (I don't enjoy slurping up leaves-- a cocktail is for drinking, not for chewing!), but these ones were perfect. Light, refreshing, not too sweet and just the right amount of mint delicately muddled in the bottom of our glasses.
We weren't sure what entrees to choose but, with the help of our server, finally settled on some meats: Masa de Puerco Frita (fried cubed pork topped with grilled onions, served with moro rice and boiled yuca with Cuban mojo) for me and Vaca Frita (grilled shredded beef with onions in Cuban mojo, served with white rice and black beans) for the hubs.
Even though we are back home in St. Pete, I've put it on my list to find a fabulous Cuban restaurant here in the Tampa Bay area. (I haven't done my research yet but I'm certain there has to be something good locally.) When in Rome, right? Well, "when in Florida..."
|[ A room of luxury titles at Books & Books. ]
|[ G browsing the stacks at Books & Books. ]
|[ Wall of lovely, wise quotes at Books & Books. ]
|[ So many books! Including volumes of Flordiana. ]
|[ My dress seemed to fit in with the colors in this room of books. ]
|[ Perfect mojitos at Havana 1957, where mojito-lovers have endless options. ]
|[ Scenes from a Cuban lunch at Havana 1957. ]


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Results 1 to 4 of 4
Thread: Lag function
01-08-07, 15:33 #1Registered User
- Join Date
- Nov 2005
- Posts
- 4
Unanswered: Lag function
Ok, here's my problem:
I have made a table that contains for two years (24 months), for two product groups, the turnover per month (for each productgroup). I would like to use these turnovers to predict the future turnovers for both productgroups for the coming 12 months.
I am able to predict future turnovers for one productgroup, using the lag function. But how do I do that for two productgroups? Is that using the partition by clause, or by using the order by???
Please help. I am not at my work currently, tomorrow I can give my sql script (it's all in Oracle SQl, so no other options are available).
01-08-07, 18:00 #2Lost Boy
Provided Answers: 5
- Join Date
- Jan 2004
- Location
- Croatia, Europe
- Posts
- 4,113
Once you got your database back, why wouldn't you try both PARTITION BY and ORDER BY and see which one will give the correct result? Or, even better, first read documentation about it so that you'd know what is 'partition by' used for, and what 'order by'.
01-09-07, 02:59 #3Registered User
- Join Date
- Nov 2005
- Posts
- 4
Thanx for your anwer???
Come on, is this helping out?
01-09-07, 03:04 #4Registered User
- Join Date
- Nov 2005
- Posts
- 4
Ok, for people who are really into helping, here's my syntax:
select a.periode,b.clusters,b.roy_aantal_sec,
trunc(((0.4*lag(b.ROY_aantal_sec,1) over (partition by b.clusters order by a.periode,b.clusters)+0.6*lag(b.ROY_aantal_sec,2) over (partition by b.clusters order by a.periode,b.clusters))+
(0.05*lag(b.ROY_aantal_sec,12) over (partition by b.clusters order by a.periode,b.clusters)+0.95*lag(b.ROY_aantal_sec,24 ) over (partition by b.clusters order by a.periode,b.clusters)))/2) as voorspelling
from periode a
left outer join tst2 b
on (a.periode=b.periode and b.lob='IC')

subset: commoncrawl


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Hi everyone!! I am a big fan of Devri Walls so I am super thrilled to be taking part in this book blast!! I have been enjoying this series, and am happy to spotlight this book to help spread the word about it!! You can see my review of this book here. It's not one you want to miss if you are a fan of fantasy!
Devri Walls - Wings of Arian
• Publisher: Stonehouse Ink
• Format: Paperback/Ebook 462 pages
• Age Range: Young Adult
Kiora thought she had never heard a lie until she was sixteen. But she was wrong. Her entire existence was based on nothing but. She thought that evil did not exist. Lie. That magic was not real. Lie. And that the land of Meros was all there was. One more lie. With Aleric telling her that evil is knocking on the door and that she is the only one who can stop them she has a choice to make. Refuse, or start the wildest most painful ride of her life. She reluctantly dips her toe into her new existence of magic and threads, dragons and shapeshifters, and the person who wants to take control of it all: the evil Dralazar. However, this journey was never meant to be hers alone. She will be accompanied by a Protector. To her disbelief, and utter irritation they name the hotheaded, stubborn, non -magical, (albeit gorgeous) Prince Emane. They will have to trust each other with their lives, but right now Kiora would settle for a non hostile conversation. And now it comes down to this, If you had never heard a lie, would you know when you heard one? Is knowing good from evil innate? Kiora finds herself having to decide who lives and who dies on those very questions.
Find Devri:
Giveaway Alert!!
Enter to win an ebook of WINGS OF ARIAN and a signed bookmark! Runs from 11/18-11/22. Thanks and good luck!a Rafflecopter giveaway
And look for WINGS OF LOMAY, book four in the SOLUS series, coming January 2014!


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To access the full text documents, please follow this link: http://hdl.handle.net/2445/100550
|Neo-epitopes emerging in the degenerative hippocampal granules of aged mice can be recognized by natural IgM autoantibodies
|Manich Raventós, Gemma; Augé Marí, Elisabet; Cabezón Rodríguez, Itsaso; Pallàs i Llibería, Mercè, 1964-; Vilaplana i Hortensi, Jordi; Pelegrí i Gabaldà, Carme
|Other authors:
|Universitat de Barcelona
Background: Degenerative granular structures appear progressively with age in the hippocampus of most mouse strains. We recently reported that these granules contain a neo-epitope that is recognised by IgM antibodies present as contaminants in many commercial antibodies obtained from mouse ascites and mouse or rabbit serum. We hypothesise that these anti-neo-epitope IgMs are in fact natural auto-antibodies that are generated spontaneously during the foetal stage without previous contact with external antigens and whose repertoire and reactivity pattern have been determined through evolution, being remarkably stable within species and even between species. Findings: In the present work we found that mice from the ICR-CD1, BALB/C and SAMP8 strains have anti-neoepitope IgM antibodies in their plasma at all ages tested and even when maintained under specific opportunistic pathogen-free conditions. Moreover, we determined that these anti-neo-epitope IgMs are also present in rabbit, goat and rat serum. We also found that, in each mouse that presented hippocampal granules, the anti-neo-epitope IgMs contained in its plasma recognised the neo-epitopes in its own granules. Conclusions: This study led to the conclusion that anti-neo-epitope IgMs are widespread natural auto-antibodies contained in the plasma of mice and other species. The presence of these natural auto-antibodies not only explains why they are frequently found as contaminants in commercial antibodies, but also paves the way for a new approach to a treatment and diagnosis of pathological brain processes based on natural IgMs and neo-epitopes.
Hipocamp (Cervell)
Hippocampus (Brain)
|cc-by (c) Manich Raventós, Gemma et al., 2015
|Document type:
|Published by:
|BioMed Central


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Shelves & Accessories
Epos ticket strips:
Ticket strips help customers to see the description and price of each product, and can bring awareness to special offers and changes in price. Make it easy for your customers to shop and browse by providing them with all the information they need to make their purchasing decisions and tempt them with promotions and price reductions.
Shelf risers and dividers:
To efficiently arrange your products on your shelf whether it is flat or tilted, you will need shelving accessories like shelf risers and shelf dividers. These handy accessories help to keep your stock neat and tidy, and stops items falling off the shelf. Epos strips can sometimes be attached to shelf risers to make prices and information more easily viewable.
Using shelving accessories like stacking baskets, shelf risers and dump bins can really make a difference to your store layout, and serve as an affordable option to keep your store running efficiently and to optimise your available shelving space.


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Review: Excellent, prompt
Yourspares sent out a genuine Hotpoint washing machine belt, exactly as ordered, with no fuss. It arrived two days after I had placed the order, so that was excellent. I would be pleased to order from them again if I needed a part for a washing machine or other domestic appliance.
24 Apr 2013 by Geoff
View all Reviews


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Undergraduate Programs
Research Experience for Undergraduates
There are two separate Research Experience for Undergraduates (REU) programs: ASPIRE and QoLT. Both programs are supported by the National Science Foundation and offer the same stipend, housing opportunities, and laboratory accommodations. Please read the program descriptions to decide which is a better fit for your academic interests and professional goals.
Technology and Innovation for People with Disabilities
Technology and Innovation for People with Disabilities (TIPeD) is a project-driven, team-based experiential learning program funded by National Collegiate Innovators and Inventors Alliance (NCIIA) to support undergraduate students' learning of entrepreneurship and innovation of technology for people with disabilities.
Education > Undergraduates


text:
- Ready for merging
Development Progress:
Claim Type:
(-1,-21) Cave
Coordinates: -1899.327, -171320.141, 3750.202
A critter-filled crystal cave.
Claiming. Naturally, I'll
I'll follow the description as always.
OK, first update is done. I
OK, first update is done.
I have put some thoughts into this and started with doing the end area of the dungeon first. There's a hidden home of two older powerful Dunmer brothers who live there. It's basically their resort where they can do what they want while being completely undisturbed. They've a lot of adventuring behind and are basically have no more need for money. Their favorite brotherly practice is to abduct outlandish (mainly Imperial; who they hate the most) women and use them as sex slaves in their jail. That is until they get bored of them, then they kill and despose of them and capture themselves new ones. Perhaps there could be a related quest regarding missing women in and around Old Ebonheart? It's close by. Let me know what you guys think.
A new update of happenings has been uploaded.
Maybe make the hiding place
Maybe make the hiding place look more like it was carved into the earth, adding rocks and other natural elements, instead of just the plain Velothi-style?
I think that the loot here is far too uber to be found in this part of the game world.
Thanks for your feedback. I
Thanks for your feedback.
I don't know, adding rocks to the interior would look like it's a poor construction?
Perhaps you can show me an example of what you've in mind?
The loot is certainly good; above average for the region, but nothing extraordinary IMO. You also have to defeat two strong enemies to get it; and it's a typical design of Morrowind to include some areas that are too difficult at first, where you've got to return later when you can beat the enemies.
I mean something like this:
I mean something like this:
The loot is rather extraordinary though, isn't it? Unique armor and weapons that are worth over 150k. The cavern is located in a zone that shouldn't have this kind of loot or enemies this difficult.
That doesn't look so bad
That doesn't look so bad after all, I'll see what I can do.
Have you never encountered the caves Zainsipilu (level 9 Orc with Steel Battle Axe and level 7 Nord with Nordic Battle Axe amongst others) or Hassour (level 16 Dagoth Favon plus several Ash Slaves) though that are literally just a few cells from Seyda Neen? Try doing them with a new low level character sometime :)
So, I think there should be exeptions in difficulty and loot, this was clearly the case with Morrowind and it's an interesting design that we should keep to some extent.
Agreed, exceptions are
Agreed, exceptions are sometimes needed lest the game become too predictable and boring.
IMO the loot is epicly uber, but I don't want to be a massive dick and make a huge issue of it. I'm gonna trust your judgment.
The cave's second room can indeed serve as a (Fighters' Guild?) quest location.
I updated it to use the new
I updated it to use the new PT_Data and I did make some adjustments for you because I like you and you've the upper hand ultimately anyways
So I replaced a few items with lesser ones, lowered their entchantments and values and I also increased the door lock level to 90 to keep weaker players out and kind of warn them that there is a more difficult area beyond.
Any progress to report?
Any progress to report?
New version is up
New version is up
Production completed.
Production completed.
Just a small update
I just did a small update concerning one of the items since this hasn't been reviewed yet.
TR_i4-517-Hla Clean-
Clean- Yes
Illegal to Sleep Here- No
Northmarker- Set
Lighting- Good
misc_de_bowl_glass_yellow_01 x2
in_py_rock_01 x2
Added blacksquares to i4-517-Hla2 interior.
Added rocks to cover the water on map behind wall leading to i4-517-Hla2.
Nice cave! It would definitely be worth targeting the locked-off area for a late-game quest (MT writ?).
My reviewed file has the three artifacts requiring merges seperated out; don't load it without also loading i4-517-artifacts.esp, and don't merge until those artifacts are in Tamriel_Data.


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The Art of Adaptation
Mentioned briefly in my review of the novel by Isuna Hasekura, "Spice and Wolf" was also adapted into a Manga (Japanese word for comics) series soon after its breakout publishing success. With 4 books currently published in Japan, the series was licensed by Yen Press and released in English for the first time this April.
This wouldn't be the first time that a bestselling novel series in Japan was adapted into a Manga. It's long become a tradition for Japanese franchises to spread out into as many mediums as possible. However, when these cross-overs are attempted, there are almost always concerns over the faithfulness of the adaptation.
For those unfamiliar with the storyline of Spice and Wolf, it's the not-so-average tale of a medieval merchant who discovers a naked wolf-girl in the back of his wagon one night. Claiming to be the ancient wolf, who by tradition of the nearby town is bound to keep crops healthy, she wishes to leave her daily life behind and return to her homeland in the far North. However, she needs his help. With wolf ears and a tail, she's an open target for persecution by the ruling authority of the Roman Catholic Church. She wants to travel alongside the Merchant and proposes such a plan to him. Agreeing under the condition that she repay all debts, the young Merchant possibly makes the best or worst decision of his short career. With only this oral agreement between them, the two set out on their journey unaware of the life threatening dangers on the horizon.
I am happy to report that the worries over whether the adaptation of Spice and Wolf would stray dramatically from the original source material are needless. Keito Koume does an excellent job of staying extremely close to the original. In fact, much of the dialogue appears to have been taken directly from the pages of the novel, word for word. There are almost no noticeable changes from the novel for the most part, with the exception that scenes have been cut down for time and page count.
The first Manga covers the first quarter of the debut novel by Hasekura, beginning with Lawrence's arrival in Pasloe and ending with his heated conversation with the young merchant at the bar. Fans hoping for new material or better perspectives on events shown in the novel may feel disappointed. This is a strict adaptation that doesn't add any new material to the storyline.
Now for the next big question, how is the artwork? With the original novel already having illustrations by the talented Ju Ayakura, could the Manga stay true to the character designs while standing out as its own work? Apparently, yes. Koume's art style retains the basic designs while providing an original style that crosses between moe and pencil sketches. It's unique enough to stand out on its own and faithful enough for a fan to instantly recognize the characters. However, as one reads through the first volume, it becomes obvious that Koume is constantly debating within himself on how he should draw the main female character. In one scene, Holo may take on a more "cute" look while in a number of pages her design may morph into something more mature in style.
On the subject of the artwork, there is one more important point that will need to be taken into consideration before purchasing this title. Most Manga adaptations in Japan that deal with nudity in bestselling stories are usually famous for ambiguity, usually drawing any nudity without specific details to keep the age rating low and potential audience large. However, Koume apparently decided that he was not only going to remain faithful to the events but to the details mentioned in the original novel. What this translated into is that during the introductory scenes of Holo, her exposed breasts can be seen with all their detail as well as during the scene in the room at the church when she takes off her wet clothes. As such, this Manga contains a warning on its front cover regarding the content. Very few of the pages actually contain any of this material and it should be clarified that there is very little of anything "sexual" in this volume. Any nudity is handled tastefully and realistically for the sake of the original story.
To conclude, the Manga adaptation of Spice and Wolf is a close and faithful rendition of the original novel, but lacks the length and depth of the original. Fans will definitely want to add it to their collection, but newcomers may want to read the debut novel first.
Matthew Reeves is an aspiring novelist living in California. You can usually find him lost in thought on a walk or writing on Twitter as @MattReeves17.


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High-tech pushes for more in immigration bill
Credit: The Associated Press
WASHINGTON — High-tech companies looking to bring more skilled workers to the U.S. pushed Monday for more concessions in an immigration bill pending in the Senate. Labor unions said the Silicon Valley had already gotten enough in the legislation and further changes risked chipping away at protections for U.S. workers.
The clash is set to play out in a Capitol Hill hearing room this week as the Senate Judiciary Committee resumes consideration of amendments to sweeping legislation remaking the nation's immigration system.
|The article you requested is no longer available on BostonHerald.com.


text:
U.S. CSB photo
We ran a story at the top of the front page on Sunday about the aftermath of the propane explosion at the Little General Store in Ghent, W.Va. Four people died five years ago today in that disaster. As we explained:
On Jan. 30, 2007, propane gas at the Little General Store was suddenly released through a liquid withdrawal valve during a changeover between two tanks. Two propane technicians from Appalachian Heating, a firefighter and an emergency medical technician were among those killed when the explosion leveled the store.
Killed in the accident were Glenn R. Bennett, 44, of Appalachian Heating; Frederick Allen Burroughs, 51, of Cool Ridge, a Raleigh County building inspector and firefighter; Craig Lawrence Dorsey, 24, of MacArthur, a volunteer firefighter and EMT; and Jeffrey Lee Treadway, 21, of Beckley.
Six others were injured, but board officials said Friday the tragedy could have been even worse, given that the store had not been evacuated when the blast occurred. One of the injured, 74-year-old Donnie Ray Caldwell of Coal City, died in 2010.
CSB investigators concluded that the tanks involved were improperly located less than 10 feet from the store, a problem that propane company employees did not correct despite dozens of inspections. Board investigators also said that propane technicians were not properly trained to spot problems with the tank's valves, and that local emergency responders had not been taught how to properly handle a propane accident.
In a statement issued Friday, the U.S. Chemical Safety Board had mostly good words for the way West Virginia officials and other responded to board recommendations for reform after the explosion. But the CSB's original statement also noted one "disappointment":
The Board was compelled to vote as "Unacceptable" action not taken by the West Virginia Office of Emergency Medical Services. We urged the agency to require annual hazardous materials response refresher training for all emergency medical personnel in West Virginia. To date, training occurs only once every two years. The CSB believes recurrent annual training is critical for responders who must deal with hazardous materials emergencies such as with propane.
After the statement was issued, through, officials from the Office of Emergency Medical Services contacted the CSB to say that they had only the day before sent a letter saying they were rethinking the situation and planned to comply with the board's recommendation. CSB spokesman Daniel Horowitz told me:
The letter did not arrive as of Friday. It was the West Virginia Office of Emergency Medical Services who is making the change to their training requirements for annual hazmat training for EMTs. The staffer said it was put in the mail Thursday and I should receive it sometime this week.
I've reached out to the Office of Emergency Medical Services and its parent agency, the state Department of Health and Human Resources, but I've gotten no response so far.
It's worth going back today, though, and revisiting this disaster by watching the CSB's video animation recreating what investigators believe happened:


text:
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text:
Many on the team reportedly felt the former Texas A&M star was partying too hard during his rookie season.
1. Cleveland Browns quarterback Johnny Manziel has entered a treatment program to work on himself, a family friend said Monday.
2. The Heisman Trophy winner entered a program last Wednesday, Brad Beckworth said in a statement provided to BuzzFeed News.
"Johnny knows there are areas he needs to improve on to help him be a better family member, friend and teammate, so he decided to take this step in his life during the offseason," he said.
Browns General Manager Ray Farmer said the team respect Manziel's "initiative" in seeking help and are supporting him through the process.
"Our players' health and well-being will always be of the utmost importance to the Cleveland Browns," he said. "We continually strive to create a supportive environment and provide the appropriate resources, with our foremost focus being on the individual and not just the football player."
3. Many on the team reportedly felt the former Texas A&M star was partying too hard during his rookie season.
Over a dozen Browns sources told ESPN that Manziel's issues are deep-rooted, and many on the team are concerned about his hard-partying ways and lack of commitment.
The issues culminated in Manziel receiving a fine for oversleeping the day before the season's finale after a night of partying, Cleveland.com reported.
Soon after, he vowed to change his ways at a press conference.
"I brought this on myself," Manziel said according to ESPN. "I brought these cameras and all these people that are in this locker room right now and I don't think it's fair to myself, I don't think it's fair to anybody in this locker room the distractions I've brought at points in time."
Read more: http://www.buzzfeed.com/stephaniemcneal/browns-quarterback-johnny-manziel-enters-treatment-program


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There are a lot of reasons why everyone is obsessed with social media. For the most part, it's good fun. However, there is a dark side that is very pervasive and damaging to all of us, but especially to teenage girls.
Dove U.K. is tackling this problem after research showed that 60% of girls feel prettier online than in real life. Why? It's directly correlated to the amount of likes they get on their selfies (Dove's research also revealed it takes a girl an average of 12 minutes to prepare for a selfie).
The amount of "hearts" a picture gets should never (EVER) dictate self-esteem, so to combat this issue, Dove has launched the #NOLIKESNEEDED campaign: The only like you need is your own.
Everyone's self-confidence is sometimes affected by social media, myself included. Just remember, Instagram isn't exactly an accurate representation of real life — it's a lot of smoke and mirrors and filters.


text:
Healthy Diets Can Suffer When You Live Alone
03/11/2015 7:21 PM AEDT | Updated 15/07/2016 12:50 PM AEST
Eoin Blackwell Senior Associate Editor, HuffPost Australia
People who live alone are more likely to have a poor diet, a new study has found.
The study, by QUT's Dr Katherine Hanna and Dr Peter Collins, analysed 41 previous studies to investigate the link between living alone and food and nutrient intake.
Poor cooking ability? Check. No one to shop with? Check. You can see where this is going.
Other reasons cited in the study for the link between living solo and bad dieting habits were the increasing cost of food and less motivation to cook for oneself.
And men are worse culprits than women.
"Our results found that people who live alone have a lower diversity of food intake and a lower consumption of some core food groups like fruits and vegetables and fish," Dr Hanna said.
"The number of individuals living alone in the developed world continues to increase and, in 2010, 23 per cent of households in Australia were lone person households.
The study, published in the journal Nutrition Reviews, says the cultural and social benefits of eating a meal with others are also big reasons for poor diet choices for lone occupants.
"The absence of support or encouragement to comply with healthy eating guidelines and difficulty in managing portion control were also factors influencing diet," Dr Hanna said.
"A person who is bereaved or divorced may have previously relied on their partner for food preparation and lack the sufficient cooking skills to make healthy meals."
She said economic factors can also explain lower consumption of foods such as fruits, vegetables and fish, as they require more frequent purchase and consumption, which can be expensive.
"The psychological impacts of living alone can also influence diet. Previous research has found loneliness, for example, is a significant predictor of malnutrition in the elderly."
So what can you do to motivate yourself? Dr Hanna has a few tips.
"These include programs that focus on cooking skills for single people on a range of budgets, improved availability of affordable healthy food and developing socially acceptable opportunities for eating in communal settings," she said.
Get top stories and blog posts emailed to me each day. Newsletters may offer personalized content or advertisements. Learn more


text:
We didn't want to let terminology prevent you from achieving your crowdfunding marketing success. So we put together all the definitions you will ever need to be a crowdfunding rockstar.
Legal Disclaimer:
Please be advised that the materials and information in the CrowdfundingCRM.com website including this glossary are for informational purposes only and not for the purpose of providing legal or tax advice. Some of the topics and information discussed include complicated areas of law and legal advice and should be obtained and relied upon from a securities attorney about based on your specific crowdfunding campaign.
This is the process of comparing two variations of a single variable to determine which performs best in order to help improve marketing efforts. Primarily, this is done in email marketing (with variations in the subject line or copy), calls-to-action (variations in colors or verbiage), and landing pages (variations in content)
Trade accounts of businesses representing obligations to pay for goods and services received.
Trade accounts of businesses representing moneys due for goods sold or services rendered evidenced by notes, statements, invoices, or other written evidence of a present obligation.
The recording, classifying, summarizing, and interpreting in a significant manner and in terms of money, transactions, and events of a financial character.
The federal securities laws define the term "accredited investor" in Rule 501 of Regulation D as:
A business in which all the equity owners are accredited investors, or a natural person who has individual net worth, or joint net worth with the person's spouse, that exceeds $1 million at the time of the purchase, excluding the value of the primary residence of such person, a natural person with income exceeding $200,000 in each of the two most recent years or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year, a bank, or a insurance company, registered investment company, business development company, or small business investment company, an employee benefit plan, if the plan has total assets in excess of $5 million, a charitable organization, corporation, or partnership with assets exceeding $5 million, or a director, executive officer, or general partner of the company selling the securities or a trust with assets in excess of $5 million, not formed to acquire the securities offered, whose purchases a sophisticated person makes.
A central marketing database. A place for all your marketing data, including detailed prospect and customer interactions and behaviors, so you can segment and target the right message to each customer. Think of this as "system of record" for all your marketing information.
An engagement marketing engine. An environment for the creation, management and automation of marketing processes and conversations across online and offline channels. Think of this as the "orchestra conductor" for your customer interactions.
An analytics engine. A way to test, measure, and optimize marketing ROI and impact on revenue. Think of this as the place you go to understand what worked, what didn't, and where you can improve.
As opposed to an interest-only loan in which each repayment installment consists only of interest payments with a single lump-sum principal repayment at the end of the loan period, each repayment installment of an amortizing loan consists of both principal and interest.
An increase in value is referred to as "appreciation".
The act of assuming/undertaking another's debts or obligations.
An angel investor or angel (also known as a business angel or informal investor) is an affluent individual who provides capital for a business start-up, usually in exchange for convertible debt or ownership equity.
Read more at: https://www.equitynet.com/crowdfunding-terminology/what-is-angel-investor-definition
All-or-Nothing Crowdfunding
If a campaign reaches its goals and objectives, then the entrepreneurs in receipt of the funds get to keep them, If they don't meet all of the stated raise they will receive nothing.
A public sale of goods to the highest bidder.
A condition in which a business cannot meet its debt obligations and petitions a federal district court for either reorganization of its debts or liquidation of its assets. In the action the property of a debtor is taken over by a receiver or trustee in bankruptcy for the benefit of the creditors. This action is conducted as prescribed by the National Bankruptcy Act, and may be voluntary or involuntary.
A backer is the name for the people who provide funding for a person or project
This is short for web log or weblog. An individual or group of people usually maintains a blog. A personal blog or business blog will traditionally include regular entries of commentary, descriptions of events, or other material, such as photos and video. Blogging is a core component of inbound marketing as it can accomplish several initiatives simultaneously, such as website traffic growth, thought leadership, and lead generation.
A state law that imposes standards for offering and selling securities. Such laws aim to protect individuals from fraudulent or overly speculative investments.
The breakeven point in any business is that point at which the volume of sales or revenues exactly equals total expenses – the point at which there is neither a profit nor loss – under varying levels of activity. The breakeven point tells the manager what level of output or activity is required before the firm can make a profit; reflects the relationship between costs, volume, and profits.
A broker-dealer is a person or firm in the business of buying and selling securities, operating as both a broker and a dealer, depending on the transaction.
The term broker-dealer is used in U.S. securities regulation parlance to describe stock brokerages because most of them act as both agents and principals.
A brokerage acts as a broker (or agent) when it executes orders on behalf of clients, whereas it acts as a dealer (or principal) when it trades for its own account.
The rate in which a new firm spends its initial capital. In the early stages of your company you will simply be spending, running at a loss, before emerging into profitability and positive cash flows. The two most common questions for early stage companies are: what is your burn rate? and subsequently: what is your cash zero date?
Formation of a new establishment or enterprise.
Voluntary or involuntary closure of a firm or establishment.
For enumeration purposes, the absence from any current record of a business that was present in a prior time period.
The closure of a business causing a loss to at least one creditor.
A comprehensive planning document which clearly describes the business developmental objective of an existing or proposed business. The plan outlines what and how and from where the resources needed to accomplish the objective will be obtained and utilized. It should include the Business Description, Marketing Plan, Management Plan and Financial Plan.
For enumeration purposes, a business with a name or similar designation that did not exist in a prior time period.
The annulment or rescission of an approved loan prior to disbursement.
Assets less liabilities, representing the ownership interest in a business; a stock of accumulated goods, especially at a specified time and in contrast to income received during a specified time period; accumulated goods devoted to the production of goods; (4) accumulated possessions calculated to bring income.
Business spending on additional plant equipment and inventory.
Personal property of the agency which has an average dollar value of $300.00 or more and a life expectancy of one year or more. Capitalized property shall be depreciated annually over the expected useful life to the agency.
An incentive offered by the seller to encourage the buyer to pay within a stipulated time. For example, if the terms are 2/10/N 30, the buyer may deduct 2 percent from the amount of the invoice (if paid within 10 days); otherwise, the full amount is due in 30 days.
An accounting presentation showing how much of the cash generated by the business remains after both expenses (including interest) and principal repayment on financing are paid. A projected cash flow statement indicates whether the business will have cash to pay its expenses, loans, and make a profit. Cash flows can be calculated for any given period of time, normally done on a monthly basis.
A letter, digit, or other symbol that is a part of the organization, control, or representation of data used in computer systems.
An accounting transaction removing an uncollectible balance from the active receivable accounts.
An uncollectible loan for which the principal and accrued interest were removed from the receivable accounts.
Actions and procedures required to affect the documentation and disbursement of loan funds after the application has been approved and the execution of all required documentation and its filing and recording where required.
Any loan for which funds have been disbursed and all required documentation has been executed, received, and reviewed. For statistical purposes, first or total disbursement is counted as a closed loan.
Something of value – securities, evidence of deposit, or other property – pledged to support the repayment of an obligation.
A legal document covering the item(s) pledged as collateral on a loan, i.e., note, mortgages, assignment, etc.
A coalition of organizations, such as banks and corporations, set up to fund ventures requiring large capital resources.
Are reversals of sales made or otherwise deductions from Gross Revenue (Sales) that occur as a result of Bad Debt, Returns, Refunds and other such allowances that reverse the effect of income generated by the initial sale
A group of persons granted a state charter legally recognizing them as a separate entity having its own rights, privileges, and liabilities distinct from those of its members. The process of incorporating should be completed with the state's secretary of state or state corporate counsel, and usually requires the services of an attorney.
The settlement of a claim resulting from a defaulted loan for less than the full amount due. Compromise settlement is a procedure available for use only in instances where the government cannot collect the full amount due within a reasonable time, by enforced collection proceedings, or where the cost of such proceedings would not justify such effort.
A potential obligation that may be incurred dependent upon the occurrence of a future event. Two examples are: (1) the liability of an endorser or guarantor of a note if the primary borrower fails to pay as agreed and (2) the liability that would be incurred if a pending lawsuit is resolved in the other party's favor.
Money obligated for goods and services received during a given period of time, regardless of when ordered or whether paid for.
A grade assigned to a business concern to denote the net worth and credit standing to which the concern is entitled in the opinion of the rating agency as a result of its investigation.
Is a way for entrepreneurs to send an email to their personal contacts in order to build exposure for their company. This allows entrepreneurs to drive web traffic to their profile. This traffic can be for marketing purposes and for exposure to potential investors.The process of crowdcasting uses a combination of push and pull strategies to first engage an audience and build a network of participants and then harness the network for new insights.
Crowdfunding is a way people can raise capital to launch a new product or service, or start a new business or fund other company objectives, by preparing a campaign as described in the Crowdfunding task and action planning tool putting out a call for financial support to the public, typically on the Internet Supporters then pledge to fund the project or cause with a certain amount of money, and if the total pledges received meets or exceed's the goal, the supporters make their donation (they do not have to contribute if the goal amount is not reached).
An online portal or intermediary that allows projects to be represented on the web portal to attract backers, investors, and donors
The basic unit of identifiable and definable information. A data element occupies the space provided by fields in a record or blocks on a form. It has an identifying name and value or values for expressing a specific fact. For example, a data element named "Color of Eyes" could have recorded values of "Blue (a name)," "Bl (an abbreviation)," "06 (a code)." Similarly, a data element named "Age of Employee" could have a recorded value of "28" (a numeric value).
Debt instrument evidencing the holder's right to receive interest and principal installments from the named obligor. Applies to all forms of unsecured, long-term debt evidenced by a certificate of debt.
Business financing that normally requires periodic interest payments and repayment of the principal within a specified time.
Instead of seeking equity capital by offering shares in a company, the borrower posts a loan request on a loan finance crowdfunding website.Traditional banks and other traditional intermediaries don't play a role in this kind of transaction. Debt-based crowdfunding and loan finance crowdfunding are often referred to as Peer-to-Peer or P2P lending.
The provision of long-term loans to small business concerns in exchange for debt securities or a note.
A document under seal which, when delivered, transfers a present interest in property. May be held as collateral.
The nonpayment of principal and/or interest on the due date as provided by the terms and conditions of the note.
Loans whose principal and or interest installments are postponed for a specified period of time.
A reduction in the value of a shareholding due to the issue of additional shares in a company without an increase in assets.
The actual payout to borrower of loan funds, in whole or part. It may be concurrent with the closing or follow it.
An employee authorized to pay out cash or issue checks in settlement of vouchers approved by a certifying officer.
A sum of money paid regularly (typically annually) by a company to its shareholders out of its profits (or reserves).
Change of ownership and/or control of a business from a majority (non-disadvantaged) to disadvantaged persons.
A crowdfunding model where individuals donate money to projects usually characterized as charitable or have social benefits.
Be prepared to provide detailed disclosures of pertinent facts, positive and negative, that any lender/investor should know about, such as:
Company Administration, Company Charter Structure, Company Interest Structure, Shareholder Interest Structure, Accounting & Financial, Legal & Regulatory, Management & Employees, and Consultants/Advisors & Contractors.
The demonstrated ability of a business to earn a profit, over time, while following good accounting practices. When a business shows a reasonable profit on invested capital after fully maintaining the business property, appropriately compensating its owner and employees, servicing its obligations, and fully recognizing its costs, the business may be said to have demonstrated earning power. Demonstrated earning power is the foremost test of the business risk in pressing upon an application for a loan.
Elevator pitch" in as little as a one-minute. You have to convey all the essential information in a clear and concise manner, communicating in a tone that's like able, passionate and also credible. Remember, the elevator pitch is not designed to take the place of a solid business plan, but is simply intended to capture the attention of a potential investor. If you achieve that, the odds are good that you'll get a chance to present your business idea in more detail at a later time (part of why having a complete business plan is also a must).
Aggregation of all establishments owned by a parent company. An enterprise can consist of a single, independent establishment or it can include subsidiaries or other branch establishments under the same ownership and control.
One who assumes the financial risk of the initiation, operation, and management of a given business or undertaking.
An ownership interest in a business.
The provision of funds for capital or operating expenses in exchange for capital stock, stock purchase warrants, and options in the business financed without any guaranteed return, but with the opportunity to share in the company's profits. Equity financing includes long-term subordinated securities containing stock options and/or warrants. Utilized in SBIC financing activities.
A limited partnership arrangement for providing startup and seed capital to businesses.
Funds placed in trust with a third party by a borrower for a specific purpose and to be delivered to the borrower only upon the fulfillment of certain conditions. The funds are held by the escrow service until it receives the appropriate written or oral instructions or until obligations have been fulfilled. Securities, funds and other assets can be held in escrow.
EQUITY CROWDFUNDING - TITLE III 4(a((6)
This rule has created an exemption under current securities laws to allow unaccredited investors to participate in equity crowdfunding. A process that uses the Internet and related social media to offer a company's stock to over 240 million investors.
Equity-based crowdfunding involves an investor receiving a portion of the company in return for his or her investment. Essentially, the investor will become a shareholder in the company. There are certain risks to equity-based crowdfunding as with any other types of investments.
A single-location business unit, which may be independent – called a single- establishment enterprise – or owned by a parent enterprise.
Create a summarized narrative of your business plan to tell your company's story to lenders/investors in a few pages.
The method by which a venture capitalist or business owner intends to get out of an investment that he or she has made in the past. Usually it comes in the form of IPO, acquisition by a larger company or selling assets.
As the goliath of the social networks, Facebook is a volatile sandbox of opportunity for any inbound marketer. It provides marketers an opportunity to reach a HUGE audience (over 1.15 billion to be exact), engage said audience, and subsequently grow their business. While it's a core component of an inbound marketing strategy, it shouldn't be the only component. Focusing entirely on Facebook (or any other large social channel, for that matter) will only give you a small piece of the inbound marketing pie. And it's still piping hot, so be careful.
FAN – A fan is someone who is dedicated to a Crowdfunded project, but who may not contribute money to it. Instead, they promote the project, comment on the page and create a buzz and enthusiasm for the campaign.
Balance Sheet – A report of the status of a firm's assets, liabilities and owner's equity at a given time. This is an accounting statement listing the book value (recorded at cost or market value) of the Assets (property and other things of value that the company owns), the face value amount of its Liabilities (financial obligations such as debts that the company owe), and Shareholders' Equity (he net worth of the company which is figured by subtracting the dollar amount of its total liabilities from the book value of its total assets ).
Balance Sheet Formula:
Assets – Liabilities = Shareholders Equity (or Net Worth)
Income Statement – A report of revenue and expense which shows the results of business operations or net income for a specified period of time. This is an accounting statement showing the flow of Income, Expenses, and Earnings Before Income Tax (EBIT) and Net Income After Taxes (NIAT). Income is considered to be the incoming payments of cash earned from the revenue generating activities (hence operations) such as from sales transactions, service fees/charges, collected rents, and any other activity that the company engages in to earn revenue. Expenses are the outgoing monetary payments made on a recurring basis in order to operate the company. Earnings Before Income Tax (EBIT) is figured by subtracting Total Expenses from Total Income, and Net Income After Taxes (NIAT) is figured by subtracting the Allowance for Income Tax from the Earnings Before Income Taxes (EBIT).
Income Statement Formula:
Income – Expenses = Earnings Before Income Taxes
Earnings Before Income Taxes – Allowance for Income Taxes = Net Income After Taxes Net Income After Taxes – Dividends Paid on Common Stock = Retained Earnings
*Retained Earnings are funds left to run the company after paying out dividends or profits distributions to shareholders.
Cash Flow - A report which analyzes the actual or projected source and disposition of cash during a past or future accounting period.This is an accounting statement showing the inflow and outflow of cash and other assets into and out of the company. Cash Flows from Operations relate to cash flowing in and out of the company from revenue and expense items engaged in to turn a net income profit (or loss). Cash Flows from Capital Transactions or Other Activities relate to cash and other assets flowing in and out of the company from capital transactions such as from the sale and redemption (repurchasing) of the company's stock to and from shareholders, the incurring of debt capital and repayment of principal on loans, the purchase and sale of capital or fixed assets, the payout and redemption of refundable deposits, the receipt or payout of judgments and settlements in connection with lawsuits, and any other transactions where cash or other assets flows into or out of the company that is not directly related to generating a profit (or loss), and cannot otherwise be classified as revenue, earnings, taxable income, or expenses.
Cash Flow Statement Formula:
Source of Funds from Operations + Source of Funds from Capital Transactions
= Total Source of Funds (Net Cash In)
Total Source of Funds – Total Use of Funds = Increase (Decrease) in Working Capital
Now that you are familiar with the three segments of what composes Principal Financial Statements you must know that the numerical summaries usually deal with 2 types of reporting periods known as Current and Proforma.
The Current Financial Statements reflect the present position of the company's finances accounting for activity occurring over the past fiscal year, while the Proforma Financial Statements reflect the forecasted position of the company's finances in the future, and the future periods covered in this version is for the first 12 months and extends to the next 3 years.
New funds provided to a business, by either loans, purchase of debt securities, or capital stock.
The Financial Industry Regulatory Authority is responsible for governing business between brokers, dealers and the investing public. FINRA aims to eliminate regulatory overlap and cost inefficiencies.
A graphical representation for the definition, analysis, or solution of a problem, in which symbols are used to represent operations, data, flow, equipment, etc.
The act by the mortgagee or trustee upon default in the payment of interest or principal of a mortgage of enforcing payment of the debt by selling the underlying security.
A continuing relationship in which the franchisor provides a licensed privilege to the franchisee to do business and offers assistance in organizing, training, merchandising, marketing, and managing in return for a consideration. Franchising is a form of business by which the owner (franchisor) of a product, service, or method obtains distribution through affiliated dealers (franchisees). The product, method, or service being marketed is usually identified by the franchisor's brand name, and the holder of the privilege (franchisee) is often given exclusive access to a defined geographical area.
A funding portal is defined as a crowdfunding intermediary that does not: (1) offer investment advice or recommendations. (2) solicit purchases, sales, or offers to buy securities offered or displayed on its website or portal. (3) compensate employees, agents, or others persons for such solicitation or based on the sale of securities displayed or referenced on its website or portal. (4) hold, manage, possess or otherwise handle investor funds or securities. (5) engage in such other activities as the SEC, by rule, determines appropriate.
Is an acronym for Generally Accepted Accounting Principles which is a national American standard of financial statement reporting instituted by the Financial Accounting Standards Board (FASB).
General solicitation involves publicly seeking an offer through advertising or mass communication such as marketing automation, social media, and PR.
The most comprehensive single measure of aggregate economic output. Represents the market value of the total output of the goods and services produced by a nation's economy.
A measure of a nation's aggregate economic output. Since 1991 GDP, a slightly different calculation, has replaced GNP as a measure of U.S. economic output.
A loan made and serviced by a lending institution under an agreement that a governmental agency will purchase the guaranteed portion if the borrower defaults.
A term used to describe the mechanical, electrical, and electronic elements of a data processing system.
Insurance required showing lender as loss payee covering certain risks on real and personal property used for securing loans.
A facility designed to encourage entrepreneurship and minimize obstacles to new business formation and growth, particularly for high technology firms, by housing a number of fledgling enterprises that share an array of services. These shared services may include meeting areas, secretarial services, accounting services, research libraries, on-site financial and management counseling, and word processing facilities.
Public accountants are independent when neither they nor any of their family have a material, direct, or indirect financial interest in the borrower other than as an accountant. They are qualified unless there is contrary evidence when they are either (1) certified, licensed, or otherwise registered if so required by the state in which they work, or (2) have worked as a public accountant for at least five years and are accepted by SBA.
A tax-exempt bond issued by a state or local government agency to finance industrial or commercial projects that serve a public good. The bond usually is not backed by the full faith and credit of the government that issues it, but is repaid solely from the revenues of the project and requires a private sector commitment for repayment.
A marketing tactic that brings buyers to you through a combination of SEO; valuable marketing content like white papers, webinars, blog posts, videos; and social media. Inbound marketing is becoming a popular (and cheaper) alternative to the outbound, "push-style" marketing tactics of the past.
A legal entity whose responsibility is to develop, register and sell securities for the purpose of financing its operations.
IP Address (Internet Protocol Address): A number assigned to each device participating in a computer network that uses the Internet Protocol for communication. Most marketing automation systems recognize the IP addresses of website visitors to potentially identify anonymous visitors.
Introduction of a new idea into the marketplace in the form of a new product or service or an improvement in organization or process.
The inability of a borrower to meet financial obligations as they mature or having insufficient assets to pay legal debts.
An amount paid a lender for the use of funds.
Since the passage of the JOBS Act, advocates of equity crowdfunding have moved to legalize intrastate – or in state – crowdfunding.
The first sale of stock by a private company to the public. IPOs are often issued by smaller, younger companies seeking the capital to expand, but can also be done by large privately owned companies looking to become publicly traded. REGA+ is now referred to as mini IPO.
When payments are received from borrowers that are larger than the authorized repayment schedules, the overpayment is credited to the final installments of the principal, which reduces the maturity of the loan and does not affect the original repayment schedule.
Businesses specializing in the formation of capital. This is done by outright purchase and sale of securities offered by the issuer, standby underwriting, or "best efforts selling."
Formal solicitations for offerings to perform procurements by competitive bids when the specifications describe the requirements of the government clearly, accurately, and completely, but avoiding unnecessarily restrictive specifications or requirements which might unduly limit the number of bidders.
JOBS Act
Jumpstart Our Business Startups Act (JOBS) act: The JOBS act was created in order to ease security regulations on small businesses. The JOBS act was signed by President Barack Obama on April 5, 2012.
The titles of the bill are:
JOBS ACT – Title II (Access to Capital for Job Creators): Title II lifts the ban on advertising for regulation D, Rule 506 and Rule 144A offerings. It also lifts the ban on general solicitation.
JOBS ACT – Title III (Crowdfunding): Title III allows individuals to make investments in small companies without being accredited investors. The company is allowed to receive up to $1 million over any 12-month period. Investors may not purchase more than $2,000 in securities or a certain percentage of his or her annual income or net worth as long as it is under $100,000 during a 12-month period.
JOBS ACT- Title IV Regulation A+
Tier 1, consist of securities offerings of up to $20 million in a 12-month period, with not more than $6 million in offers by selling security-holders that are affiliates of the issuer.
Tier 2, consist of securities offerings of up to $50 million in a 12-month period,with not more than $15 million in offers by selling security-holders that are affiliates of the issuer.
In addition to the limits on secondary sales by affiliates, the rules also limit sales by all selling security-holders to no more than 30 percent of a particular offering in the issuer's initial Regulation A offering and subsequent Regulation A offerings for the first 12 months following the initial offering.
A written statement listing the elements of a particular job or occupation, e.g., purpose, duties, equipment used, qualifications, training, physical and mental demands, working conditions, etc.
Judicial determination of the existence of an indebtedness or other legal liability.
The act of debtors permitting judgment to be entered against them for a given sum with a statement to that effect, without the institution of legal proceedings.
A high-yield corporate bond issue with a below-investment rating that became a growing source of corporate funding in the 1980s.
LANDING PAGE or SALES FUNNEL- FOR CROWDBUILDING
A separate project/campaign page which contains the necessary information and details of the project to drive and build traffic. A visitor is an anonymous individual who comes to your site. Once they convert and provide contact information, they become a lead. A lead becomes an opportunity once contact is made and there is a chance you will close the deal.
A landing page is a specific web page that is typically reached through clicking a link or advertisement. This page should display content that is specific to the advertisement, search keyword, or link clicked.
It may have a form, white paper, webinar, or other content, and usually features some sort of call to action.
Lead (or Demand) Generation: Creating interest in your product or service while priming your buyers for later conversations with sales.
Lead Management: Lead management involves identifying, tracking, and managing leads from the point of lead generation to conversion.
Lead Nurturing (or Drip Marketing): allows correspondence to be sent to the prospects on a specific list at specific intervals based on time or prospect activities. Use drip programs for ongoing marketing campaigns and to nurture leads that may not be sales-ready.
Lead Scoring: Assigning a numerical value to leads to indicate how interested they are in your product or service. Combined with lead grading, this is a good gauge of when leads are ready to be contacted.
A contract between the owner (lessor) and the tenant (lessee) stating the conditions under which the tenant may occupy or use the property.
The maximum rate of interest fixed by the laws of the various states which a lender may charge a borrower for the use of money.
Any institution, including a commercial bank, savings and loan association, commercial finance company, or other lender qualified to participate with SBA in the making of loans.
The purchase of a business with financing provided largely by borrowed money, often in the form of junk bonds.
A charge upon or security interest in real or personal property maintained to ensure the satisfaction of a debt or duty ordinarily arising by operation of law.
A liquidity event refers to the process by which an investor monetizes its investment in a private company. They can include a sale or merger with another company, or taking the public company through an initial public offering (IPO), and can also be achieved by having the company pay out some or all of its cash flow in dividends. Investments in private companies are said to be "illiquid" because the stock isn't traded in a public stock exchange which allows for the stock to be sold. For private company owners, a liquidity event results from the sale of their business, as it is the moment when the value created and retained in the business is monetized.
The disposal, at maximum prices, of the collateral securing a loan and the voluntary and enforced collection of the remaining loan balance from the obligators and/or guarantors.
The net value realizable in the sale (ordinarily a forced sale) of a business or a particular asset.
Refers to a loan in "liquidation status" which has been referred to attorneys for legal action. Also: The practice of taking legal action through the judicial process.
Through this model, individuals may approach other professionals for a loan in return for interest. Those unable to acquire a traditional loan and/or wish to find a feasible alternative may wish to investigate debt-based crowdfunding further.
Agreement to be executed by borrower, containing pertinent terms, conditions, covenants, and restrictions.
The total amount of money needed to meet a borrower's obligation on a loan. It is arrived at by accruing gross interest for one day and multiplying this figure by the number of days that exist between the date of the last repayment and the date on which the loan is to be completely paid off. This amount, known as accrued interest, is combined with the latest principal and escrow balances that are applicable to what is now referred to as the loan payoff amount. In the case where prepaid interest exceeds the accrued interest, the latter is subtracted from the former and the difference is used to reduce the total amount owed.
A rate developed by comparing the ratio of total loans charged off to the total loans disbursed from inception of the program to the present date.
A reserve rate based upon the ratio of the aggregate net chargeoffs (chargeoffs less recoveries) for the most recent five years to the total average loans outstanding for the comparable 5-year period.
Markup is the difference between invoice cost and selling price. It may be expressed either as a percentage of the selling price or the cost price and is supposed to cover all the costs of doing business plus a profit. Whether markup is based on the selling price or the cost price, the base is always equal to 100 percent.
As applied to securities and commercial paper, the period end date when payment of principal is due.
Extensions of payment beyond the original period established for repayment of a loan.
A combination of two or more corporations wherein the dominant unit absorbs the passive ones, the former continuing operation usually under the same name. In a consolidation two units combine and are succeeded by a new corporation, usually with a new title.
An instrument giving legal title to secure the repayment of a loan made by the mortgagee (lender). In legal contemplation there are two types: (1) title theory – operates as a transfer of the legal title of the property to the mortgagee, and (2) lien theory – creates a lien upon the property in favor of the mortgagee.
The face to face process used by local unions and the employer to exchange their views on those matters involving personnel policies and practices or other matters affecting the working conditions of employees in the unit and reduced to a written binding agreement. Used also by contracting officers to reach agreement with potential contractors.
Property owned (assets), minus debts and obligations owed (liabilities), is the owner's equity (net worth).
A secured or unsecured receivable evidenced by a note or open account arising from activities involving liquidation and disposal of loan collateral.
Technically defined as "amount of orders placed, contracts awarded, services received, and similar transactions during a given period which will require payments during the same or a future period."
A financial derivative security which permits the purchaser the right but not the obligation to buy or sell a security at a predetermined price during a specified period of time.
Simple interest based on a year of 360 days, contrasting with exact interest having a base year of 365 days.
Net disbursements (cash payments in excess of cash receipts) for administrative expenses and for loans and related costs and expenses (e.g., gross disbursements for loans and expenses minus loan repayments, interest and fee income collected, and reimbursements received for services performed for other agencies).
A legal relationship existing between two or more persons contractually associated as joint principals in a business.
A patent for an invention is the grant of a property right to the inventor, issued by the Patent and Trademark Office. The term of a new patent is 20 years from the date on which the application for the patent was filed in the United States or, in special cases, from the date an earlier related application was filed, subject to the payment of maintenance fees. US patent grants are effective only within the US, US territories, and US possessions.
This is a term used to describe the promise to pay the person/people crowdfunding the defined amount
The company's value prior to an investment.
The company's value post outside investment of financing.
Interest rate which is charged to business borrowers having the highest credit ratings for short term borrowing.
This involves the sale of equities to a small number of investors in order to raise capital.
An Internet-based database of information of small, disadvantaged, 8(a), and women-owned businesses seeking procurement contracts.
Type of tort or civil liability that applies to product manufacturers and sellers.
Non-profit, cooperative, and voluntary organizations that are designed to help their members in dealing with problems of mutual interest. In many instances, professional and trade associations enter into an agreement with the SBA to provide volunteer counseling to the small business community.
The most common legal form of business ownership; about 85 percent of all small businesses are proprietorships. The liability of the owner is unlimited in this form of ownership.
A statement in writing by any bidder or offeror on a particular procurement alleging that another bidder or offeror on such procurement is not a small business concern.
Denotes relationships of items within and between financial statements, e.g., current ratio, quick ratio, inventory turnover ratio, and debt/net worth ratios.
P/E Ratio- A measurement tool frequently used in the investment industry and calculated by dividing the price per share by the earnings per share.
P/S Ratio- A measurement tool frequently used in the investment industry and calculated by dividing the company's market cap by the sales revenue.
Adopts Regulation A+ Rules As amended, Regulation A now provides an exemption from registration for certain issuers offering up to US $50 million of securities in a 12-month period.
On June 19, 2015, JOBS Act- Regulation A+ Title IV rules adopted by the U.S. Securities and Exchange Commission became effective. Reg A+ provides an important capital-raising alternative for private companies in the United States and Canada.
Funds raised for projects are provided by a community of BACKERS who receive some sort of reward in return for their contribution. In most cases, these rewards are the product or service the entrepreneur plans to create.
Solicitations for offerings for competitive negotiated procurements when it is impossible to draft an invitation for bids containing adequate detailed description of the required property and services. There are 15 circumstances in the Federal Acquisition Regulations (FAR) which permit negotiated procurements.
The amount of profit (return) based on the amount of resources (funds) used to produce it. Also the ability of a given investment to earn a return for its use.
A performance measure used to evaluate the efficiency of an investment or to compare the efficiency of a number of different investments. To calculate ROI, the benefit (return) of an investment is divided by the cost of the investment; the result is expressed as a percentage or a ratio.
The SEC is a federal agency that enforces federal securities laws and oversees the securities industry.
A market where investors purchase securities or assets from other investors, rather than from issuing companies themselves. And those who purchase an interest in a loan from an original lender, such as banks, institutional investors, insurance companies, credit unions, and pension funds.
SEO (or Search Engine Optimization) is the practice of enhancing where a webpage appears in search results. By adjusting a webpage's on-page SEO elements and influencing off-page SEO factors an inbound marketer can improve where a webpage appears in search engine results.
A contract/ agreement among shareholders of a company that describes rights and obligations.
Class A Shares
A specific share class that can be accompanies by more or less voting rights than class B shares. Typically Class A shares have more voting rights.
Class B Shares
A specific share class that can be accompanies by more or less voting rights than class B shares. Typically Class A shares have less voting rights.
Ordinary share
A share entitling its holder to dividends which vary in amount and may even be missed, depending on the fortunes of the company.
Social media is media designed to be disseminated through social interaction, created using highly accessible and scalable publishing techniques. Facebook, Twitter, YouTube, LinkedIn and Google+ are examples of social media networks that one can join for personal or business use. Social Media is a core component of Inbound, as it provides marketers with additional channels to spread reach, increase growth, and reach business goals.
The items that are used as perks or promotions as rewards for a project.
These may include bookmarks of a book's cover, a t-shirt, branded cap and other merchandise related to the project.
A non-binding agreement setting forth the basic terms and conditions under which an investment will be made. A term sheet serves as a template to develop more detailed legal documents.
TURNOVER (Business)
Turnover is the number of times that an average inventory of goods is sold during a fiscal year or some designated period. Care must be taken to ensure that the average inventory and net sales are both reduced to the same denominator; that is, divide inventory at cost into sales at cost or divide inventory at selling price into sales at selling price. Do not mix cost price with selling price. The turnover, when accurately computed, is one measure of the efficiency of a business.
For the sake of creativity, I'll define Twitter in 140 characters or less: "Twitter is a platform that allows users to share 140-character long messages publicly. User can follow one another and be followed back."
Allows you to communicate with potential investors to gauge interest before raising money or formally registering with the SEC. This provision allows companies to "test the waters" and determine if there is any interest in its investment offering in a non-binding way before it has filed anything with the SEC, prepared any offering materials, hired counsel, engaged an accountant, or even formed the company that will offer securities.
The amount of orders for goods and services outstanding for which the liability has not yet accrued. For practical purposes, represents obligations incurred for which goods have not been delivered or services not performed.
Action by either the employer or union which violates the provisions of EO 11491 as amended.
Codification of uniform laws concerning commercial transactions. In SBA parlance, generally refers to a uniform method of recording and enforcing a security interest or charge upon existing or to be acquired personal property.
This is any person who does not meet the net worth requirements for an accredited investor under the Securities & Exchange Commission's Regulation D.
A non-accredited individual investor is one who has a net worth of less than $1 million (including spouse) and who earned less than $200,000 annually ($300,000 with spouse) in the last two years. They can invest in Title III ( 4) (a) (6) or Regulation A+ Title IV of the JOBS ACT
Interest which exceeds the legal rate charged to a borrower for the use of money.
Is the practice of making unethical or immoral monetary loans that unfairly enrich the lender.
The process of determining the economic value of a business or company. Often times, owners will turn to professional business valuators for an objective estimate of the business value. The field of business valuation encompasses a wide array of fields and methods. The tools and methods can vary between valuators, businesses and industries. Common approaches to business valuation include review of financial statements, discounting cash flow models, and similar company comparisons.
Money used to support new or unusual commercial undertakings; equity, risk, or speculative capital. This funding is provided to new or existing firms that exhibit above-average growth rates, a significant potential for market expansion, and the need for additional financing for business maintenance or expansion.
A derivative security that gives the holder the right to purchase securities (usually equity) from the issuer at a specific price within a certain time frame.
YouTube is a video-sharing website on which users can upload, share, and view videos. Three former PayPal employees created YouTube in February 2005. In November 2006, YouTube, LLC was bought by Google Inc. for $1.65 billion, and is now operated as a subsidiary of Google. YouTube is the largest video-sharing site in the world and you're probably on it now instead of working on your crowdfunding campaign. :)
The information in this Glossary is for general, educational purposes only and should not be taken as specific legal or accounting advice.


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Coats, who serves on the Joint Economic Committee, announced his support Monday for a balanced budget amendment to the Constitution that would force the government to balance its budget, limit the growth of federal spending and require supermajorities for tax increases.
Republicans have tried to pass balanced budget amendments in the past and failed. Coats said he believes if a balanced budget amendment had become law, the United States would be in better fiscal standing today and not be more than $16 trillion in debt.
"If this amendment had passed and been ratified by three-fourths of our states, I believe we would not be faced with the financial challenges that exist today," Coats said.
Coats' advocated for a balanced budget amendment that would cap federal spending at 18 percent of gross domestic product (GDP), require a supermajority to raise the debt limit, require the president to submit a balanced budget to Congress every year and require a two-thirds supermajority for any revenue increases.


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Car found in swollen river search for man as flood risk still high in places
A 39-year-old woman has died and the search for a missing pensioner has been called off as parts of the UK faced further disruption caused by heavy rain and strong winds.
Russell Sherwood, 69, of Neath, South Wales, went missing on Monday and on Tuesday evening police found a vehicle in the swollen River Ogmore which is believed to be his.
Officers have been unable to search the vehicle, which is upside down, because of the "treacherous" conditions, a South Wales Police spokesman said.
A force statement added: "Due to the location of the vehicle, the continuing treacherous conditions and the fading light, the search has been stood down for the evening."
They added: "A police presence will remain at the scene throughout the night. A recovery operation will begin at first light tomorrow. Mr Sherwood's family have been kept fully informed of the developments and are being supported by specially trained officers."
In Kent, a 39-year-old woman died "despite efforts from emergency services to save her", a Kent police spokesman said.
She was spotted by a helicopter crew in the sea at Folkestone but the many rocks in the area and the lashing waves meant a lifeboat crew could not get close to her.
Footage shows her being airlifted by a helicopter before being taken to a local hospital, where she later died.
Robert Bendhiaf, of the Dover RNLI lifeboat, who described the conditions as "pretty bad", said: "This is a tragic outcome and we are all very sad that she did not survive.
"As with many of our launches, we do not yet know the reasons why this woman was in the sea, but needless to say it is an awful outcome and the crews thoughts and prayers are with the family and friends of this young lady."
The Environment Agency has 16 flood warnings and 103 flood alerts in place and warned of a continuing flood risk in Dorset and York as rain causes the rivers to gradually rise.
Clare Dinnis, the Environment Agency's national flood duty manager, said: "After heavy rain over the last three days and showers forecast today, people in the South West and North East need to be aware of the potential for further flooding.
"The weather is due to improve later this week, but we want to remind people not to risk driving through flood water, walking near large waves or near swollen rivers."
But Storm Angus, which had brought gusts of around 50mph over higher ground and coastal areas in the South East, is becoming more settled.
Met Office forecaster Emma Sharples said showers are expected in many places but the "intensity of recent days will disappear".
Bands of rain may hit the North East and South West. The South West will still have to contend with 15-20mm of rainfall.
Network Rail (NR) warned of "major disruption" on some routes, particularly in the South West and urged passengers to check online updates.
A Stena Link ferry which had been stranded in Cardigan Bay for more than 24 hours, with nearly 150 passengers and crew on board, has now docked at Fishguard.


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Marquese S Franklin
- 26 years old
- Date of birth: Aug 21, 1986
- Place of birth:
Newark, New Jersey, United States
- Date of passing: Jan 15, 2013
|Let the memory of Marquese be with us forever
This memorial website was created in memory of our loved one, Marquese Franklin, 26, born on August 21, 1986 and passed away on January 15, 2013. We will remember him forever.
Memorial Tributes
"i love this dude so much u dont even kbow how i miss him i didnt talk to him like i shouldve but i swear to you quise i miss u luke krazy i kried when i seen this page i showed you alot and u made sure peopple knew that me and my brother.. im a family perain i love my family all my family and i kant believe it still lil kuzzo but i stand strong kuz i knw u and peat standing right here at all tymes and nanna coaching my own personal little team of guardian angels i love you alwayz yall alwayz and forever"
"You will always be alive in our hearts and memories. We love and miss you deeply."
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Use the tools below to refine your search by only displaying reviews with a certain number of star ratings or to only show reviews from a certain time period. Eg click on '1 star' to just display the reviews we have which received a 1 star rating click or 'Within the last month' to display just reviews posted over the last month.
Written on: 24/04/2015 by goLopez448 (1 review written)
This company is complete shambles the owner was rude towards me for enquiring about a item the dont stock I would put this company in the same category as Special Airsoft Supplies and BB guns for less AVOID And this guys is as much use as a pork pir at a jewish wedding… Read Full Review
Written on: 24/04/2015
Took him 10 days to tell me that my m4 had been destroyed by water damage while two toning. Sent me an immediate refund and promised 2 pmags free of charge as gesture of good will. I aired my opinion on an airsoft group and he has personally blocked me. Oh...and no sign of the pmags a week and a bit. he's a bedroom seller and not convinced he's 100 legit… Read Full Review
Written on: 23/04/2015 by Jovaniu101 (1 review written)
I bought the Double Eagle pump action tri-shot shotgun and am very impressed with it. It's a lightweight gun made of ABS, with metal internals. It's great for CQB and when stuck in the middle of a magazine change.... My 1st buy and so far I'd recommend them to anyone. Regarding the guy who alleges he was referred to as a male genatal part, all I can say is he must have been acting like one because these guys have been 100% truthful to me.....lol… Read Full Review
Written on: 21/04/2015 by TeamGreenAirsoft (1 review written)
Just to thanks for my Airsoft guns that arrived a few days ago , I am very pleased with them , fantastic price and good services. Being a new company I was a little worried about sending payment if im honest however I would definitely purchase from you again. The guns CM0522 (AK47's) were half the price of some similar guns I purchased elsewhere as rental guns, I was a little worried about the quality being half the price however they are fantastic value more money, yes they have more plastic… Read Full Review
Written on: 21/04/2015 by Imitebeurda (1 review written)
purchased an airsoft mortar from Browns Armaments, reasonable prices, was happy to discuss discounts and item was delivered exactly when they said. Would definitely buy again and recommend… Read Full Review
Written on: 15/04/2015 by SebastianDonovan137 (1 review written)
Bought a IMI m&P9 holster fast delivery and good follow up to make sure it arrived… Read Full Review
Written on: 13/04/2015 by 495Pearson (1 review written)
i have just recived my new glock 17 from Browns amendments and it's a very nice pice I am impressed with the makings and how well made it feels , I liken it to the same quality as a we glock but for nearly half the price ,, great service very solid customer service , I have already made my second purchase… Read Full Review
Written on: 10/04/2015 by HadleyBates1990 (1 review written)
Alright I saw the advertisement for 80 pound for a CYMA AK47 Tactical. I almost bought one for 120 off action hobbies. He put it up for the set price and I was taken I messaged him and he awnsered literally anything I needed was very good. Very much like a second hand seller but for new guns. So good communication and a good gun. Win Win. So I bought it, even though I already have an AEG I bought it and I am very happy I did. My delivery was slow as it was over 2 weeks but whilst being tracked… Read Full Review
Written on: 10/04/2015 by Elliot99 (1 review written)
The adviser was great to deal with, even followed up to check the delivery arrived (was late due to bank holiday) and then informed me of the delivery information. Product was great, price was better - no complaints at all. Would purchase from again at anytime… Read Full Review
Written on: 09/04/2015 by GregoryKennedy33 (1 review written)
The owner decided that he wanted to change some rules on his facebook page and then called me a name which represents male sexual organ Wow great customer service I would never buy from this site and i would go buy from taiwangun or gunfire At lease they would not swear at me publicly in front of 2500 members on facebook and ive got screenshot of this Please avoid as i dont think they have your interest to heart… Read Full Review
Written on: 08/04/2015 by grahamhoffman (2 reviews written)
Easy to deal with and at a great price, the person I dealt with checked with me several times to confirm delivery as it ran into a Bank Holiday weekend. He chased the delivery and got it sorted without any hassle. Would happily purchase from again without any doubts… Read Full Review
Written on: 06/04/2015 by AmatureAirsoft (1 review written)
After being offered my AUG 5 sniper for £290.00 from one retailer, I went to my local guys. Love them to bits and never do me wrong. They offered £250, then £235. Browns Araments even managed to beat that by a fair margin. Say what you will about new retailers, I have no bad words and im pleased with the service and ability to talk to a seller like they aren't trying to force sales down my neck. Good on you lad!… Read Full Review
Written on: 06/04/2015 by LilianaMontgomery (1 review written)
Fantastic!! Amazing guy very helpfull, good quality products and very good prices, would recommend him to anyone!… Read Full Review
Written on: 06/04/2015 by XiomaraDaniel (1 review written)
good product very good price just could have arrived a bit quicker aside from that very good… Read Full Review
Written on: 19/03/2015 by McCainld1980 (1 review written)
Brought a secondhand G&G CM16 from the owner. Was please with the delivery time, communication and the gun itself would recommend to anyone. Josh… Read Full Review
Written on: 19/03/2015
Excellent products, great service, really helpful and generally good all round, will certainly be ordering more products! The pricing is unrivalled in the UK which makes them ideal for people getting into the game, and for those looking for a backup weapon or for a practice machine that they do t mind messing up… Read Full Review
Written on: 18/03/2015 by Kallie1976 (1 review written)
I part exchanged an item with Brown's Armaments. I got a fair price and a fast service. The staff are talkative and friendly and there's no hard sell. Highly recommended for beginners and experienced players alike… Read Full Review
Written on: 16/03/2015 by Chardstar (1 review written)
Brilliant quality and excellent service looking forward to another purchase for sure… Read Full Review
Written on: 16/03/2015
Hi there I have made some great deals with browns armaments and I am pleased to say I will be doing deals with him agen very good guy to talk to and keeps in contact with u until you get your item and are happy with your item
Written on: 16/03/2015 by FaithBradley190 (1 review written)
Very good staff and very good contact between myself and the owner, always kept me updated on my order and the progress of it. Has ridiculously competetive prices against other retailers in the UK, hands down his £99 range is great value for anyone starting off, compared to other companies which try and lure in unsuspecting new airsoft players to overpriced guns… Read Full Review
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Written by kevinb12
" Great guns!!! " Read More
" This gun is amazing " Read More


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Born of the U.S. governments 1928 raid on the degenerate coastal town of Innsmouth, Massachusetts, the covert agency known as Delta Green spent four decades opposing the forces of darkness with honor, but without glory. Stripped of sanction after a disastrous 1969 operation in Cambodia, Delta Greens leaders made a secret pact: to continue their work without authority, without support, and without fear. Delta Green agents slip through the system, manipulating the federal bureaucracy while pushing the darkness back for another daybut often at a shattering personal cost.
In Delta Green: The Role-Playing Game, you are one of those agents. Youre the one they call when unnatural horrors seep into the world. You fight to keep cosmic evil from claiming human lives and sanity. You conspire to cover it all up so no one else must see what youve seenor learn the terrible truths youve discovered.
The AGENT'S HANDBOOK is a players-only rulebook for Delta Green: The Role-Playing Game. This new incarnation of the award-winning DELTA GREEN game line includes:
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Published at Monday, 31 July 2017 by Aveline in Sofas Center, with total 42 digitals.
Chesterfield: These sofas are known as "The King of sofas." They are seeking high popularity because they provide a huge amount of style and comfort to every home they are kept in. These type of sofas are available in the form of sectionals, armchairs, and casual sofas. They are crafted with various types of fabric including velvet and leather with every color that you want for your living.
The corner sofa is crafted with a different type of fabrics so that everyone can buy one, according to their taste of preference and prevailing decor in the room where they wish top reside it. The fabric is the only part of the sofa that glorifies its beauty and takes its charm to the very next level. Most common types of fabrics that are used in upholstery are wool, leather, cotton, linen, polyester, silk, velvet, etc. Each fabric comes with its own advantages and disadvantages. So, before you get attracted with their upper charm, have a brief about every fabric and then judge which of it will be perfect as per your living standards.
If you buy a microfiber sofa for your home and you want it for the comfort of yourself and your family, look for a two or three seater. If you need more seats, you might consider a microfiber sectional sofa instead, seating many people at once. Sofas set the style of the room they are in. The fabric you choose for your sofa determines the comfort and the style of your sofa. Softer microfiber fabrics, like plush or chenille, adds comfort to your sofa while crisp and smooth materials have a neater and tidier look. Think about the style of the room your sofa will be standing in and then choose between a modern microfiber sofa or a contemporary microfiber sofa.


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Delaware State Parks will sponsor free, guided hikes in state parks New Year's Day, Wednesday, Jan. 1, as part of America's State Parks' First Day Hikes initiative in all 50 states.
These hikes offer individuals and families the opportunity to rejuvenate and connect with the outdoors by taking a healthy hike on New Year's Day. First Day Hikes offer a great way to get outside, exercise, enjoy nature and welcome the New Year with friends and family. Hikers are encouraged to share their adventure on social media with #firstdayhikes.
In the Cape Region, hikes will be held at 11 a.m. at Cape Henlopen State Park, Lewes, and 1 p.m., at Delaware Seashore State Park, south of Rehoboth Beach.
"We are excited to host First Day Hikes as part of this national effort to get people outdoors and into our parks. First Day Hikes are a great way to cure cabin fever and burn off those extra holiday calories by starting off the New Year with an invigorating walk or hike in one of our beautiful state parks," said Ray Bivens, Delaware State Parks director.
"Last year, we made history by hosting 22,000 people in all 50 states who hiked a total of 43,911 miles in our state parks across the country when we launched America's State Parks First Day Hikes," said Priscilla Geigis, president of the National Association of State Park Directors. "Think of it as the start of a new and healthy lifestyle for the whole family. Whether you're staying close to home or traveling, join us at one of America's State Parks on New Year's Day!"
America's State Parks boast a variety of beautiful settings for year-round outdoor recreation, and each First Day Hike will offer an opportunity to explore the unique natural and cultural treasures close to home. From California to Maine, hikers can climb hills and mountaintops, walk along ponds and beaches, and traverse trails through forests, fields and prairies.
Visitors can listen to birds, breathe in the fresh air, discover wildlife tracks and feel the wind and the warmth of the sun or the coldness of the snow. Visitors can expect to be surrounded by the quiet beauty of nature in winter, experience spectacular views and vistas and benefit from the company of a knowledgeable state park guide.
"Studies have proven that getting outdoors is one good way to relax and recharge the body, mind and spirit." stated Phil McNelly, NASPD's executive director. "We hope that hiking along a trail in a state park will become part of an individual's or family's regular exercise routine."
First Day Hikes originated more than 20 years ago at the Blue Hills Reservation, a state park in Milton, Mass. The program was launched to promote both healthy lifestyles throughout the year and year round recreation at state parks. Last year marked the first time all 50 state park systems joined together to sponsor First Day Hikes. Park staff and volunteers will lead the hikes, which average one to two miles or longer depending on the state park.
Details about hike locations, difficulty and length, terrain and tips regarding proper clothing are listed on the America's State Parks website. Visit americasstateparks.org to find a First Day Hike.
Information about trail difficulty, location of trail head and more is available at destateparks.com/FirstDay.
America's State Parks is committed to promoting outdoor recreation in state parks as a way to address obesity, especially among children. Getting kids outside and unplugged from video games and other electronic media creates a unique connection with nature that promotes physical and mental well-being and encourages creativity and stewardship of shared resources.
The mission of the NASPD and America's State Parks is to promote and advance the state park systems of America for their own significance, as well as for their important contributions to the nation's environment, heritage, health and economy.
Each of Delaware's 16 state parks has unique natural, recreational, educational, cultural and historical features that offer endless opportunities for children and families to have fun in the outdoors. For a complete list of year-round public programs and more information about the parks, go to destateparks.com.
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You may or may not be familiar with what a mezcal is or what differences and similarities it has with tequila. You may also have been told myths about these two Mexican spirits. Well, we are here to teach you the facts about tequila and mezcal! more
There are many variations that tequila comes in. Most known are blancos, reposados , and anejos. However, there are other variations that you may or may not know that are very common and could even be tequila you enjoy! We feel it is important to know these different types to better understand what's in your glass!


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A. Grenville & William Davis Court House
Brampton, Ontario
Joint Venture with: Zawadzki Armin Stevens Architects Inc. and Murray & Murray Associates Inc. Architects
Client: Ontario Realty Corporation and Ministry of the Attorney General
Size: 380,000 sq.ft. (35,000 sq.m.)
Located on Hurontario Street, adjacent to the current Peel County courthouse, this 380,000 square foot state-of-the-art facility provides centralized accommodation for courts serving the Peel Region. It includes 34 courtrooms for provincial, general and family courts; eight motion rooms, administrative space and holding cells. One of the building's many security features is the three-circulation system in which the public, the judges and the prisoners all enter the courtrooms from different access points. Compliance architect for this design build project is Webb Zerafa Menkes Housden Partnership. Zeidler Partnership Architects are the lead architects for the joint venture; having directed the design, planning and interior design.