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Help bring military service dogs home to retire.
Now they are categorized as civilians in military shelters and non-profits must get them adopted & bear the costs
Now they are categorized as civilians in military shelters and non-profits must get them adopted & bear the costs
The Vietnam memorial in Coos Bay is part of history. With a cross on it or not, it represents ALL Vietnam Veterans from
Join this cause and commit to honor the victims of Sandy Hook Elementary School by calling on our nation's leaders to
Does an Animal Abuser Live in Your Neighborhood? Our communities have good reason to be concerned about the whereabouts
* There needs to be changes made in the Nursing Homes for Residents and Patients to have their 100% Resident
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We need you, your family and your friends to help these children now.
Law Enforcement, Health Care Professionals, Educators, Travel Professionals - ALL Need To Know the Sings of Trafficking
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22 veterans a day die by suicide. But the data also says that getting help, helps.
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To help spread awareness for Childhood Cancer and Save Lives
Our bees are dying off, poisoned by toxic agricultural pesticides produced by Bayer. 25% of what we eat depends on bees.
Brain Tumors are often referred to as the forgotten cancer. Among other things, there is a huge need for funding.
The USDA needs to act on violations documented by their own agency, and do their job to protect animals.
Ella Camp died at Scottish Rite hospital on September 19th, 2013 due to abuse.
We want the Meyers to live out their days on the farm that has fed Canadians and they have called home for decades.
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First the Girl Scouts stopped me from collecting donations
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BLOG - http://justiceformaryanimaladvocacy.blogspot.com.au/2013/02/michigan-man-accused-of-burning-dog.html
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A B.C. man who received a Queen's Diamond Jubilee medal from the federal NDP while facing firearms charges says he deserves the recognition for raising $10 million for charity through his family's radio station.
Maninder Gill says New Democrat MP Jinny Sims awarded him the medal at a banquet hall in Surrey two days ago when about 30 others were also recognized for their community service.
"I don't have any criminal record and you know, I've done lots of good work for [the] South Asian community and mainstream community," Gill told CBC News.
Gill said the charges he faces stem from a 2010 incident when he was attacked by what he called "Khalistani goons." He said his stance against Sikh extremism stirred up some who desire a separate Sikh state carved out of India's northern province of Punjab.
Gill said he was exiting a temple with his wife, niece and daughter when the incident occurred and that he shot a man in self-defence.
"They came and attacked on me — and I don't want to say much because the case is in the courts — and I will be proved in the court I am innocent," he said.
He said former premier Gordon Campbell also recognized him in 2009 for his efforts to raise money for local hospitals and the victims of earthquakes in Pakistan and Haiti.
Sims said in a statement that she was not aware of Gill's pending trial when she awarded him the medal and that she now recognizes the seriousness of the charges and apologizes to those who were offended.
She also said that, in any case, he must be presumed innocent and she would not comment any further until the matter is dealt with in the courts.

subset: commoncrawl


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Sivir Build Guide by Aschantna
This build has been archived and is for historical display only.
PLEASE NOTE: This build has been archived by the author. They are no longer supporting nor updating this build and it may have become outdated. As such, voting and commenting have been disabled and it no longer appears in regular search results.
Not Updated For Current Season
This guide has not yet been updated for the current season. Please keep this in mind while reading. You can see the most recently updated guides on the browse guides page.
Thank You!
Your votes and comments encourage our guide authors to continue
creating helpful guides for the League of Legends community.
Sivir Build
Ability Sequence
Not Updated For Current Season
The masteries shown here are not yet updated for the current season, the guide author needs to set up the new masteries. As such, they will be different than the masteries you see in-game.
Changes that guide survived
getting BBCodings (character links, colors, lists ets.)
adding a explicit "mid char" section (split in the parts)
what the future will bring? Look at the bottom in the "to come (to do)" chapter
Sivir is my favorite AD-Carry and she is much more. If you are just looking for a guide how to play her "normally" I recomend Meridianprime's Sivir guide to you (i recomend it anyway you want to play her since this guide has many detailed information about her shield and other things that you might want to know).
In this guide I want to show you an other way to play Sivir sucessfully. Sivir can be played on mid. This is, for an adcarry, a position you won't see often, but i really like to play her there. "Why mid isn't that the ap-carry position?" you might ask now and I tell you "Thats exactly why you want to be there!!"
btw this is my first guide so criticize and let me know what i can do better
I will not make this guide long and detailed (at least not now) but I will give you an idea of a Sivir that can crash down a midline.
btw please tell me if you have something that works better or have made any experience(!) or if you have any suggestions how to make the guide better!
Sivir and her problems(short statement: runes and spellshield @ level 2)
Well first of all Sivir has her little problems (i am not talking about fat or something) but her mana runs out early if you do not use it wisely, or don't know how to get it back. That is one problem u might have much less on midline since you just use your spell shield to block off the harrass of the other midlaner and get your mana up on the other hand. That is also why i pick up Spell Shield on level 2. If you put that together with your Greater Seal of replenishment most of that problem will be gone.
Second thing: She is squishy! well the other midlaner will be too but if you get not so much damage from him/her you will have a great advantage. Thats why I prefer Greater Glyph of Scaling Magic Resist to all other glyphs for Sivir mid. Additional there is the health you get from your masteries with all that there should be no problem standing in midline for some time without getting in too much trouble if you play smart.
Sivir's most Important "Weapon"
I'm not talking about you Boomerang Blade (even though that is your harrassing tool) but about the Spell Shield. The Spell Shield is your manasource and defense at the same time. And if you think about it you see: less damage from harrass leads to longer laning and more mana leads to more harrass. Well if you want to know what to block and other specific informations i once again can only recommend Meridianprime's guide that is linked in the introduction already.
When considering Sivir mid?
At which time will you play Sivir mid? Well first you can play her mid if you say you want to do it and your Team says "Yes go on" one other possible moment is if you find your midlaner crying "i have no chance versus the other midlaner" (or you ask him politely if he has a bad matchup and wants to swap). Well even for a Sivir a Kassadin might be hard, but she has better chances to win then a already crying Annie that is worried sick about this OP-Champ.
Early Game
Since the only state of the game where you will really feel the difference is the early game I will only write about that stage of the game here.
Well what you want to do is to strike fear in the heart of your opponent but how? well it is not really a question, but anyway just use your Boomerang Blade and look how the casters life go down in one shot. if he still comes near you auto attack him/her and watch them running away. especially the Boomerang Blade will create miracles even if it hits through two creeps. The only scary thing is the enemy's jungler but that is something every midlaner has to fear.
"You have only 4 items on your build what about the other 2?"
Yeah i didn't add the other two since what i take for them is very much depending on what my opponents take. Our Opponents all have at least 2,5k hp and 200 armor? pick up a Last Whisper!
Your opponent got farmed up even though you tried to disrupt him all the time? get a Negatron Cloak (that item is awesome anyway in mid you might consider picking it up early for sustainability)
you are first focus of your opponents? time to go tanky Sivir! pick up a Guardian Angel and see if they still try it
etc. etc. i often pick up items early, if they fit in better at an other time, but the items above are "the core" i play on Sivir and that are needed really hard so don't forget them!
Champions you will meet (A-C)
remember this is how I got good games maybe you find a way to counter an Anivia or have problems i didn't have on playing versus an Annie please inform me if you do so to make this guide better :):
Ahri till she hits level 6 you will have a nice game, as long as you let your creeps shield you and got Spell Shieldready when you start aggressive acts. as soon as she has her ulti she will become a pain. Since her ulti is split you can block only one part of it, not to mention there will be skills that follow up! Try to make your jungler gank your line early and try to zone early but zoning in mid is not easy so care and don't force a zone that costs your life.
Anivia a pain in the butt. you want to block every spell she uses but you won't be able. Till you hit Level 6 you will want to block her Flash Frost after that you will want to block her Frostbite but whatever you do she will get you. You have to be very cautious if you have to go up against her.
Annie Well she should be easy, most annie's farm with Disintegrate till their stun is up. That is the moment you want to use: Go agressive and taunt her to try to stun you. Block the stun with your shield and show her what you are talking about when you say "Boomerang". In case you play against a smart annie play smart too. You will might have a harder time get the maximum use of your Spell Shield, but there will always be oportunities. One more advice: A smart annie first Disintegrate you with her stun up and call her tibbers after that be aware of that and do not wait for tibbers to come.
Brand it's intresting to play against him: be aware that if you block his first spell he will have:
- no damage on one spell
- no extra effekt on two spells
If you stand face to face with him and there are no other minions or champions around and all two have everything up you should consider moving out of his Pillar of Flameand block his Sear.
If there are a lot of your creeps around you, consider blocking Pillar of Flame since his Sear will be blocked by your creeps (care about it anyways and dodge behind your creeps if he throws it)
Cassiopeia NOT good... try to stay calm and try to block her Noxious Blast or if you get hit by her Miasma try to block her Twin Fang but whatever you do it will be REALLY hard against her if you even have a chance (remember: there always is a chance even if it is as tiny as a mustard seed)
Champions you will meet (F- K)
Fizz (no viable information till now so i won't write anything based guessing if anyone gets some experience (more then one game XP) tell me please)
Galio (same as Fizz)
Gragas because of his tanky nature he can be a great pain in the butt. If you keep your cool you can at least dodge and Spell Shield his Barrel Roll but stopping his farm is nearly impossible. Even if you get to zone him he will probably be up to his farm thanks to his barrels.
Karthus his Lay Waste can be pretty painful his Wall of Pain makes you immobile, his Defile is unblockable and his Requiem is just a no comment skill, but still you can have a good match versus him. Just make sure to stay a bit away from your creeps, so he has to decide " Sivir or creeps" use your flash the moment he thinks he has you with his Wall of Pain and watch him rage the moment you watch his ulti breaking your Spell Shield while you have only 100 hp left after killing him.
Kassadin as mentioned already he is not easy to be ruled on mid, but it is possible. He gets his stacks for Force Pulse up if you cast so be careful how much and at what time you use your spells and with his Null Sphere silencing you, you will have a hard time to decide on what to block so be careful and watch the situation! There is no go to win way against him but it is possible if you play not too aggressive.
Katarina she will harrass you hard and with low cooldowns, but if she shunpos you she will have a long way without any kind of flash... i always buy Negatron Cloak early versus her since she has no manalimit (due to no mana existing) but to much harrass to let her be. It's really hard to block her skills reliable (without her ulti but 1 knife of that knifestorm might not be enough...)
Kennen same as with Katarina... his ability to spam endless because he has no mana (he has at least energy but that is still not a big barrier) and the low cooldowns make him hard to deal with but it's possible to deal with him (you can troll his Mark of the Strom by blocking one spell with your Spell Shield)
Champions you will meet (L- M)
LeBlanc it's tricky to play against her: you have to consider several things:
- her Sigil of Silence silences if another spell hits(!!) you within 3.5 seconds
- her Distortion will make her able to harrass you from kinda far away
- her Ethereal Chains will shackel(not stun) you
- her Mimic will most probably deal tons of damage
Lux I just hate her range. It's hard to play against it. Till she hit's level 6 you want to block her Light Binding when she gets her Finales Funkeln it has block priority number 1. If you hit level 7 before she hits level 6 you have won and she most probably won't deal much damage in this game but you have to be careful and dodge a lot.
Malzahar all his spells deal considerable damage but by far the worst is the Null Zone + Nether Grasp combo you want to block his Nether Grasp anyways but standing alone it's not so hard. if you see the nullzone under your feet run and pull up your Spell Shield if his ulti is blown off worthless he's kinda funny.
Mordekaiser Since Moscow 5 owned with him he's back as strong as ever. I once beat one but have not enough viable information to say how hard or easy it really is to play against him (if you can get some more information tell me!!)
Morgana *mimimi she is so OP mimimi* NOT hide a bit behind your creeps block off her Dark Binding and crush her early game. Still be careful her spells CAN hit like a truck but her cooldowns are not low enough to really be spamabel (at least not the hard spells) you might take an early level 2 or three Spell Shield anyways to block some more bindings ;).
Champions you will meet (R- X)
Ryze many Ryze tend to go a bit tanky at some point (since Ryze is more about constant damage and has less nuke thats a good idea) but exactly the time he starts that (he finishes Rod of Ages or gets his Glacial Shroud you will have a hard time. Seriously if you play against one you want to port back at that moment and get a Negatron Cloak and a The Brutalizer but you won't have the money for that (at least not for one of those items) so you have a time where you should play very carefully. As long as he is not that tanky he's a nice opponent neither too hard nor to easy, thanks to his spamming.
Veigar block his Event Horizon and dodge his Dark Matter don't let him farm with his Q a lot. You won't have the big Primordial Burst Problem that most casters have since it won't scale with your AP due to you not having any of that. If you know his Stun is on CD you can consider to block his Primordial Burst for sure since it deals a ton of damage even without your AP.
Viktor i consider him a thread since you since you can only block his Power Transfer and the stun of his Gravity Field even tough you can beat him (at least i could do it till now but i guess some of those victories were thanks to the fact that the players were new to him.
Vladimir his Transfusion has no big "here i come" animation and will heal him even when you block it and Tides of Blood still gives him bonus damage and life regeneration the only spell that is left to block is Hemoplague if you shield before it hits you you have won (it is blocked completly) if you shield after it hit you it will deal it's damage. So be careful not to activate it to late and leave it running out useless. Due to his regeneration and avoid skills it's hard to play against him so if you start to be absent minded you will start to lose!
Xerath his biggest advantage (his range) can be his worst enemy (his immobility while having the big range) try to block his Mage Chains to avoid getting stunned. With his ulti it's the same as with Ahri's. That split up ultis are a real pain in the butt since it's kinda worthless to block just one of the waves but the whole ulti is really going to roll over you like a truck.
more to come?
I told you about the most common mid chars till now if you have a special one you want to know about tell me and i will try to get some information (or find a player that plays against me with that special char)
no i guess not and if you want to know other things, or have more detailed information on how to beat a special Character just comment or ask me in an other way i will try to answere asap.
and here comes the phrase everyone waited for "try before rating down"
Thanks for reading and have fun in LoL


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Rolling Vengeance Trailer (1987)
"Always use the right tool for the job." 02 October 1987 Drama, Action, Thriller 90 mins
A truck driver builds a special, eight-ton truck to help get revenge against the rednecks who killed his family and raped his girlfriend.
Watch the official Rolling Vengeance 1987 trailer in HD below or find more Rolling Vengeance videos on Vidimovie.


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We all love of having healthy and strong hair. Here we have listed down a few simple magical tips for a Healthy hair in long run.
Protect Your Hair
Always protect your hair from sun, heat, dust and dirt and pollution is vital. Too much exposure to all this damages the hair and can lead to dirt and dryness to hair and infectious scalp. It's advisable to always cover your hair with an umbrella or a hat.
Say No to Hot Showers
Cold water is ideal for hair wash. Cold doesn't mean freezing cold. Water should be at room temperature. Wash Your hair 2-3 times a week.
Shampoo and Conditioning
Invest and pick a good shampoo and conditioner that's right for hair type. Shampoo your only scalp and not ends. Apply it in wet hair on the scalp and massage in circulation motion.
Avoid roots and apply conditioner in ends. Towel dry your hair before applying conditioner. Don't step out without it.
Oiling Scalp
Do oil scalp often and wash it off with your regular shampoo. This is good for your hair and don't apply too much oil like oil dripping on your face.
Brushing Your Hair
Brush your hair twice a day from bottom up. Don't Comb wet hair. Keep your brushed clean. Brushing helps spread the natural oil through the length of the hair.
Avoid Tight Hair ties. This may cause hair breakage.
Don't braid tightly at bedtime. Leaving your hair open or loose you tend to create knots. Use a satin pillow while sleeping this may reduce hair breakage due to friction.
Don't Over Heat
Always use low heat for drying hair. Use iron/curls only when it's needed. Overuse of heat can burn hair too.
Eat Healthy Food
For healthier hair you must eat right. Your hair too needs nutrients like iron, vitamins and proteins these are essential for hair growth. A good diet also is vital for healthy hair.
Follow these hair care tips regularly and enjoy healthy and strong hair.


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Yeah ballin you're off on kevin williams, he's a really good pass rusher, that said he's not a better tackle than fat albert, and I don't think the difference between Tommie Harris, and his annual injury problems, and Fat pat are significantly better than Bunkley and Ratliff, they're better but as the north pair age the east pair are on the upswing of their careers and do a great job against some of the league's best OLs on a regular basis. So I'll give the North DTs by a small amount, but they don't have near the edge depth we have in the east.
Login or Sign Up
- Log in with


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This information is provided for your convenience and may no longer be valid.
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Custom Fencing by J & J is located at the address 32 Mott St in Trenton, New Jersey 08611.
Custom Fencing by J & J has an annual sales volume of 501K - 999,999. . For more information contact Selena Sargent, President
For maps and directions to Custom Fencing by J & J view the map to the right. For reviews of Custom Fencing by J & J see below.
Be the first NJ.com user to add photos or videos of Custom Fencing By J And J
Custom Fencing by J & J can be found at . The following is offered: Pools, Spas, & Saunas. The entry is present with us since Sep 8, 2010 and was last updated on Nov 14, 2013. In Trenton there are 9 other Pools, Spas, & Saunas. An overview can be found here.


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...am married for 15 yrs, wife was just 18, recently lost her father when I married, her mother had just gor her fathers job, only sister, had to meet all liabilities to the family as/more than their own son could have.. including education of my wife till masters & beyond, often sacrificing my own carrer, money & interests. bought a 2BHK flat so that my m'in law could stay near her workplace, wife stayed with her last 7 yrs, visited me at my workplace fornightly. last 2 yrs me staying in the same flat, facing all sorts of disregardful behavior from all in laws, wife mere spectetor, never raises her voice, monthly expenses full family borne by me, wife denies to go elsewhere, stay seperately from them, not moved even at the "threat" of divorce,
I feel I have been cheated, taken advantage of, thatmy life has come to a blind end,
feel that there are 2 ways-divorce or suicide now open to me.
CAN YOU SUGGEST HOW TO PROCEED from this point- in WHAT DIRECTION?


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How to turn off the connected services ?
Increasingly mobile operators offer their customers new services.Companies offering subscribers a free usage period, and then make a paid service.Probably, many faced with such a situation, especially when buying a new SIM card.
Today we look at how to turn off unneeded services.
methods disable connected services
Contact Center
The quickest way to deal with the services that you do not use, is in contact with the call center mobile company.However, speed is simply to set the required number, then most likely it will be very long and exhausting wait freed specialist.
While dial up Call center employees, you can listen to information about your phone number, and by going to various sections, learn about connected services.If you do not have questions to the operator, you can disable the service by following the instructions auto informer.Otherwise, wait for you to answer specialist.To start talking you will need to name your details: name, phone number and a code word (if any).
Personal account
Another method is fast enough service management through personal study of cellular communication.For the implementation of the operation requires access to the global network.
If you do not have his office at the company's mobile site, first of all need to register.Passage of registration takes a few minutes: need to enter your name, phone number and email address.
As soon as you will gain access to your profile, you can get all the information on the availability of services on your SIM card.To disable a particular service, you must click on its name and click the "Disable" button.
is also possible through a special mobile application to manage services.However, the possibility of the installation must be checked with your carrier.
Company Website
following method also includes access to the Internet.To disable the service, you need to visit the site of the company, go to "Services", find interesting and read the information about how to disable.In the section with the information you will find a special team that will need to enter on your mobile phone.
This method assumes that the subscriber is aware of its connected services.Otherwise, still have to resort to the first or second method to find out the names of services.
sales centers
To disable the connected services, you can visit the company's experts in person.Come in any brand salon closest to deactivate the service.If you do not know what services are available on your phone, ask the consultant to inform you.To do this, call your phone number to the employee terms and present a passport.To turn off some services might need to write a statement.
How to disable services on different operators
To learn more about how to disable the services connected to a particular operator, refer to the article required.
- How to disable the MTS
- Services How to disable services on the megaphone
- What services are connected to the Beeline
- How to disable service to Tele2
Contact information of mobile operators
- Number Call Centre - 0890
- Website -www.mts.ru
- Number Call Centre - 0500
- website - www.megafon.ru
- Number Call Centre - 0611
- website - www.beeline.ru
- Number Call Centre - 611
- website - www.tele2.ru


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New York Knicks vs. Charlotte Hornets - 11/17/15 NBA Pick, Odds, and Prediction
Charlotte Hornets (5-5) at New York Knicks (5-6)
NBA Basketball: Tuesday, November 17, 2015 at 7:30 pm (Madison Square Garden)
The Line: New York Knicks +1 -- Over/Under: 196 See the Latest Odds
The Charlotte Hornets travel to Madison Square Garden to battle the New York Knicks tonight.
The Hornets go for their fourth win and five games tonight after making light work of the Trailblazers in a 106-94 win on Sunday. Nicolas Batum exploded for a season-high 33 points on 11 of 19 shooting while Al Jefferson dominated the paint with 29 points on 13 of 17 shooting as the Hornets poured in 71 points in the first half before cruising in the second half. Batum has really been the hot hand for the Hornets lately, averaging 17.7 points on the season but 28.3 points in his last three outings.
USA TODAY Sports
Meanwhile, the Knicks were able to avoid a third straight loss on Sunday with a hard-fought 95-87 win over the Pelicans. Carmelo Anthony led the team with 29 points and 13 rebonds, Langston Galloway added 15 points off the bench and Kristaps Porzingis had 10 points as the Knicks survived a 36-point night from New Orleans' Anthony Davis. The Knicks have been seriously lacking a second go-to scorer to pair up with Anthony, but Arron Afflalo has looked good in his three games with his new team, despite scoring just four points in Sunday's win.
In ATS trends, the Hornets are 4-1 ATS in their last five road games and 3-7 ATS in their last 10 games following a win, while the Knicks are 4-0 ATS in their last four games overall and 2-5 ATS in their last seven home games.
Head to head, the Hornets are 6-1 ATS in the last seven meetings in New York and the road team is 5-0 ATS in the last five meetings overall.
The Knicks and the Hornets met just last Wednesday and it was the Hornets who came out on top by 95-93 thanks to a layup from Cody Zeller who stole the game at the last second. This meeting could be just as close and I'm thinking the improving Hornets continue their nice form and take this one again.


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We're working to ensure staff in universities and colleges are equipped for a changing digital environment.
Effective and appropriate use of technology by university and college staff is vital in providing an enhanced student experience and in realising a good return on investment in the digital environment.
What we're doing
We're working with stakeholders and sector bodies to:
- Provide clear guidance on the digital skills and capabilities that are required for a range of staff roles
- Equip leaders and staff with the tools and resources they need to improve digital capability at a local or institutional level
Building on our previous work on developing digital literacies for staff and students and through a consultation with a range of stakeholders using our co-design approach, we identified the current challenges institutions face when developing the digital capabilities of their staff and students.
Digital capability framework
Our digital capability framework (pdf) describes the skills needed by staff from a wide range of academic, administrative and professional roles to thrive in a digital environment.
Supporting resources
Our model is supported by the following tools and resources:
Discovery tool (beta)
Our discovery tool (beta) has been designed to support individuals and managers in a range of roles by helping them to identify and reflect on their current digital capability and make plans to improve their capability using a customised play list of resources. We've also produced some guidance on how to use the discovery tool (pdf) and some FAQs (pdf) on the tool and associated resources which you may find helpful.
We have completed a pilot of the discovery tool with fourteen universities and colleges. To read more about the journeys of those involved in the pilot see below:
- Cardiff University (pdf)
- Coleg y Cymoedd (pdf)
- University of Derby (pdf)
- University of Hertfordshire (pdf)
- Hull College Group (pdf)
- The Open University (pdf)
We are using the feedback gathered to make enhancements to the tool, which will include a move to a new and exciting new platform with more tailored question sets ready for December 2017.
If you are interested in working with us to pilot the new tool from December 2017 – May 2018 please complete the expression of interest form. Follow developments by visiting our project blog.
Role profiles
We've designed a series of role profiles, which align to the framework and highlight the digital capabilities associated with particular roles. The profiles have been developed collaboratively and mapped to relevant professional frameworks. They are designed to support team leaders in identifying the digital capabilities their teams need.
- HE teacher (pdf)
- FE and skills teacher (pdf)
- Library and information professional (pdf)
- Learning technologist (pdf)
- Leader (pdf)
- Researcher (pdf)
- Learner (pdf)
In collaboration with the Higher Education Academy (HEA), we have also deveoped a digital lens on the UK Professional Standards Framework (UKPSF).
Resources to support organisational approaches
Our guide to developing organisational approaches to digital capability has been created to support organisations with developing their culture, infrastructure and practices to grow organisational digital capability and enable individual digital capabilities to flourish.
Our briefing, developing organisational approaches to digital capability (pdf) is designed to help you, as an organisational lead, consider how our resources can help build digital capability in your organisation.
It includes a model describing the digitally-capable organisation (pdf) as well as a step-by-step guide (pdf) with practical actions and activities for you to consider when building digital capability in your organisation (pdf).
Audit tools and checklists
Our editable audit tool (Word doc) and checklist (Word doc) give you a place to start on your journey, offering prompts for identifying priorities for development.
We've also developed a checklist for curriculum developers (Word doc) to help course teams assess how well a course of study is preparing learners with the right kinds of digital capabilities.
Case studies
Our case studies highlight the journeys taken towards digital capability to date by universities and colleges:
- Hillcroft College: small is (digitally) beautiful (pdf)
- Anglia Ruskin University: a digital literacy framework for staff and students (pdf)
- Bournemouth University: a new vision for learning (pdf)
- Epping Forest: unleashing student creativity (pdf)
- Glasgow Caledonian University: a focus on flexible curriculum design (pdf)
- Lancaster University: digital fluency for everyone (pdf)
- University of Southampton: working in partnership with students (pdf)
- The Open University: developing a digital mindset (pdf)
- University of Lincoln: how digital are you? (pdf)
- North Lindsey College: digital 'missions' and digital teams (pdf)
- Nottingham Trent University: a continuum of support (pdf)
- Salford City College: cascading skills through staff and student champions (pdf)
- South Eastern Regional College: A whole college approach to developing digital capabilities (pdf)
- University College London: modern variations on a radical tradition (pdf)
- University of Brighton: digital literacies in professional development and the curriculum (pdf)
Further resources
Our report deepening digital know-how: building digital talent (pdf) identifies key issues and future requirements for the digital capabilities of staff in UK HE and FE.
Join our community mailing list
To share your experiences, hear from others and continue discussions around staff and student digital capabilities, join our community of practice via the digital capabilities JiscMail list.
Digital capabilities community of practice event
Join us in Birmingham on 30 November for our second community of practice event for staff and leaders responsible for developing digital capability in their organisations.
Are you looking for
Visit the project blog
Join the Twitter discussion


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Key Features
The Manor House is a 44 bedroom Residential EMI Care Home, set in glorious, mature gardens, in Middlewich, Cheshire.
Our aim at the Manor Care Home in Middlewich has always been to create a happy, friendly and homely atmosphere, where our residents and their families and friends feel comfortable and welcome within an environment that has an ambience one can feel when walking through the door. The care we give at the Manor is second to none and peoples rights and choices are paramount and addressed in an holistic and caring manner.
The results of our care are in the longevity of our residents and the quality of care in their remaining years in an area like Middlewich, Cheshire that is renowned for it's clean air and tranquil surroundings.
We believe in treating people as individuals and so through our program of care we provide a full and active lifestyle accordingly to ensure that their personal autonomy and choice is fulfilled. We create an environment where our service users will be treated with respect, their dignity maintained and through their individual care programmes, will be encouraged and helped to achieve a maximum level of independence, in a safe, friendly, family style home.


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Steve Ferroli loves baseball. He loves playing the game, and even more, he loves teaching it and he loves the fact that in the 12 years his Ted Williams League has been around, there hasn't been a single case of Little League Elbow, a painful, but all too common injury in youth sports, especially baseball.
Steve Ferroli loves baseball. He loves playing the game, and even more, he loves teaching it and he loves the fact that in the 12 years his Ted Williams League has been around, there hasn't been a single case of Little League Elbow, a painful, but all too common injury in youth sports, especially baseball.
Ferroli played through his college years at Bridgewater State, and through all his time playing, he studied the science of hitting. When his playing days were through, he continued to study hitting.
His hard work led him to Hall of Fame hitter Ted Williams, who was one of the very first hitters ever to take a scientific approach to hitting a baseball. Williams was impressed, leading him to appoint Ferroli the No. 1 teacher of his hitting theories in 1997.
Williams, who authored "The Science of Hitting," wrote the foreword to Ferroli's two books, 1986's "Disciple of a Master" and 1997's "Hit Your Potential."
"I've been talking about this guy for 15 years!," Williams wrote in "Hit Your Potential." "Still, he doesn't get the attention he deserves because he didn't play baseball professionally. It's really not fair. The way I see it, hitting a baseball and teaching someone to hit a baseball are two different things. And I'll tell you what – Steve Ferroli can teach it every bit as good as I could hit it!
"I took the game of baseball quite seriously and looking back I guess I did alright," Williams wrote. "But when age started kicking me in the pants, I got to thinking more and more about kids – kids and baseball. I began to think about coaching and how important quality coaching is. Then I thought boy, who out there is going to be able to talk hitting and get it right? Who has the knowledge to answer the big league questions and the heart to put it on the line for the kids? I was describing Steve Ferroli."
Those comments were part of what led to the founding of Ted Williams League Baseball, a non-profit baseball league for youth and adults as well.
Ted Williams League Baseball was the culmination of 10 years of study about youth baseball leagues by Ferroli, and was approved by Williams.
Now in its 12th season, Ferroli, a Pembroke resident, is hoping to take the league to the next level with the goal of going national soon.
This isn't just another form of Little League or Cal Ripken Baseball, which are the more established leagues around the nation and the world. Ted Williams League baseball is a whole new way to play the game, a way that works to cut down on injuries, keep players more in focus of the game and give everyone an equal chance to play.
Many of the changes also seem to help give hitters an advantage – something Williams would surely buy into.
Ferroli has made it clear that in Ted Williams Baseball, the game belongs completely to the players.
Teams aren't built through a draft or grouped only by age. Instead, players are assigned teams based on their skill level alone. If an older player is lacking certain skills or abilities, he or she might be sent to a team with younger players of the same skill level.
The competitive aspect of the games are also turned down, with strict rules against any and all types of poor sportsmanship by anyone, players, officials, coaches and fans included. There's a speed-up rule to help even out blowout games, and at the end of the season, there are no All-Stars. Instead everyone is eligible to play in the League Tournament.
In the youngest divisions, including the Kid Division, mostly ages 7-and-8 and then Thumper Divison mostly for ages 8-12, everyone plays nearly equally. There are no players sitting on the bench waiting for that one inning in the field and one mandatory at-bat.
Instead, players join a rotation that has everyone with the exception of first base, pitcher and catcher, who each have to take a proficiency test to play those positions, rotate a position after every at-bat, giving all players a chance to experience every position. Batters are locked into a continuous lineup for the season and it picks up where it left off from the previous game, giving every batter equal chances to hit.
At the same time, teams have no one set coach. Instead, coaches take turns working with teams during games and practices, giving them more opportunity to teach fundamentals rather than just teach winning. It also makes it easier for any volunteer coaches. With floating coaches, someone can have two days free and be able to come and coach on those days without making the same kind of time commitment other leagues need.
"We call it the Toy Philosophy," Ferroli said. "Kids should be seeing baseball as a toy, like a Matchbox car or an action figure. Something they can play with and have fun with. Thinking of baseball like a toy gives a youngster clear ownership of it."
On the safety front, Ferroli's studies, which have a basis in medical research, have paved the way for many more changes.
The biggest of the changes comes the closest to the batter – home plate.
Just about everywhere, the standard size of the plate is 17 inches across.
This is a big deal to Ferroli.
"The plate is too big for the kids' small bodies," he said. "For the younger kids we use a 14-inch plate, then move up to 15 1/2 inches in the A Division. As arm length increases, the plate should increase.
This change results in many different things.
For pitchers, who suffer most incidents of Little League Elbow, it forces them to slow down and work on their control.
For hitters, it means a smaller strike zone to protect and fewer flame throwers who just fire away and have more plate to work with.
The better focus on control cuts down on hit batters and the potential fear that comes with being hit by a pitch.
Combine that with a smaller, lighter baseball tailored for small hands and no elevated pitchers mound and you now have more balance – and less stress on a pitcher's elbow from throwing.
Because there isn't as much forced motion on a downward slope, the stress on an elbow is reduced. Add the fact that curveballs aren't allowed, with a few exceptions for more developed pitchers, who fit what is called the shave rule, meaning that a youngster is generally physically developed enough to safely throw curves when they begin to shave, and there's a declined risk of the injury.
Another unique rule that helps hitters improve is the walk rule.
If a batter watches ball four, the batter can elect to take it as a strike and get another pitch. The same rule applies to hit batters, who can just take the pitch as a ball and get another pitch.
"Good hitters want to hit," Ferroli said. "Who wants to walk if you're a good hitter?"
Williams walked a lot, but his walks were the result of a flawless understanding of the strike zone and distaste for swinging at pitches out of the zone. Of course, when Williams explained hitting, he could whittle it down to one sentence.
"Get a good pitch to hit," he'd say.
Ferroli still says it when asked for advice.
One thing Ferroli emphasized about the league is the fact that it is a non-profit organization and is not affiliated with his Ted Williams/Steve Ferroli Baseball Camp, other than the fact that his camp is a main sponsor of the league, which at the moment plays in Hanson.
Ferroli is actively looking to start new teams in all surrounding towns, and anywhere there may be interest.
The league, which used to play a fall schedule in respect for existing spring leagues before mosquitoes and the EEE virus ended it is currently taking registrations.
The fee is $99 for the season, but with the tough economy, Ferroli said that families who can't afford the fee should contact the league about waiving fees.
For more information, evaluation dates and volunteer information, call: (781) 293-2700 or e-mail; firstname.lastname@example.com.
Sports editor William Wassersug can be reached at firstname.lastname@example.com.


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January 23, 2007
The news that 51 percent of all women live without a spouse seems to indicate the growth of the career girl. But in reality, it's their less educated manicurists or housekeepers who are more frequently living on their own, says Kate Zernike in the New York Times.
- Among women ages 25 to 34, 59 percent of college graduates are married, according to the Census Bureau, compared with 51 percent of non-college graduates
- The same is true at older age groups; 75 percent of women ages 35 to 44 have graduated college and are married, while 62 percent without degrees have not.
- For those married who are 65 and older, 50 percent have graduated college, whereas 41 percent have not.
The cause for this, says Zernike, is that while marriage used to be something you did before launching a life or career, now it is seen as something you do after you're financially stable. The same is true for all classes. But the less educated may not get there. The class gap happens in large part because, as Christopher Jencks, a professor of social policy at Harvard, said, "like marries like."
All this leads to a happiness gap, too, says Zernike. According to the Marriage Project, the percentage of spouses who rate their marriage as "very happy" has dropped among those without a college education, while it has risen or held steady among those better educated.
Source: Kate Zernike, "Why Are There So Many Single Americans?" New York Times, January 21, 2007.
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A passage to India
Research scholars and interns from the West are looking Eastwards for a stint in India, writes Sonal Srivastava.india Updated: Jul 01, 2006 17:00 IST
It seems that the world is finally waking up to the 'Look East' policy. Be it the Arcelor-Mittal deal or the issues related to India's entry in to the nuclear club, the country and its famed countrymen are making waves across the globe forcing the world to sit up and take notice.
India shining?
The India shining factor is more prominent in the energy conservation and IT sector as growing number of students from developed and other developing countries are looking to pursue internship in these sectors in the country.
Says Sudeshna Saha, astt. programme co-ordinator, Centre for Science and Environment, "We get about 100 applications in a year out of which we are able to accommodate 16 students on an average." The Energy And Resources Institute (TERI) boasts of students from Yale University pursuing their internship in India.
IT calling
Another sector that has caught the fancy of the outsiders is the IT industry. Infosys, has a program called InStep for interns from abroad. This year they received over 11,000 applications for 100 positions from students of top academic institutions like the MIT, Harvard, Stanford, Wharton, and London Business School.
Raison d'être
The low cost of living is an important factor for them. Dawn Lippert,22, an intern from Yale says, "Food, transportation and clothing are not as expensive as other places (like Europe and even America). The work is diverse and people are very knowledgeable, I learnt a lot about renewable energy resources here."
Tough transition
However, the transition is not that simple as it seems. Stephanie Piers, a Swiss intern with CSE, says, "The first few weeks in India can be hard, because the behaviour and mentalities are so different from those of Western Europe. As a foreigner, and a girl, it is, at first, rather hard to bear the men staring at us as if we are aliens."
Even the prices sky rocket for them. Be it auto rickshaw fare, or a vegetable vendor, prices are unbelievable for foreigners. Nadav Tanners (27), a TERI intern says, "Shopkeepers often enquire about the nationality before telling us the price of goods. Things are different if we go with Indian friends."


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Monitor the Windows 8.1 Deployment with Configuration Manager
Published: May 9, 2014
Applies To: Windows 8.1
In this topic, you will learn how to monitor a Windows 8.1 deployment that was started previously using Microsoft System Center 2012 R2 Configuration Manager and the Microsoft Deployment Toolkit (MDT) 2013 Deployment Workbench. You will also use the Deployment Workbench to access the computer remotely via the Microsoft Diagnostics and Recovery Toolkit (DaRT) Remote Connection feature.
For the purposes of this topic, we will use four machines: DC01, CM01, and PC0001. DC01 is a domain controller and CM01 is a machine running Windows Server 2012 R2 Standard. PC0001 is a Unified Extensible Firmware Interface (UEFI) machine to which Windows 8.1 Enterprise has been deployed. DC01, CM01, and PC0001 are all members of the domain contoso.com for the fictitious Contoso Corporation. For more details on the setup for this topic, please see Proof-Of-Concept Environment.
Integrate Configuration Manager with MDT 2013
Prepare for Zero Touch Installation of Windows 8.1 with Configuration Manager
Create a Custom Windows PE 5.0 Boot Image with Configuration Manager
Add a Windows 8.1 Operating System Image Using Configuration Manager
Create an Application to Deploy with Windows 8.1 Using Configuration Manager
Add Drivers to a Windows 8.1 Deployment with Windows PE Using Configuration Manager
Create a Task Sequence with Configuration Manager and MDT
Finalize the Operating System Configuration for Windows 8.1 Deployment with Configuration Manager
Deploy Windows 8.1 Using PXE and Configuration Manager
Refresh a Windows 7 SP1 Client with Windows 8.1 Using Configuration Manager
Replace a Windows 7 SP1 Client with Windows 8.1 Using Configuration Manager
To monitor an operating system deployment conducted through System Center 2012 R2 Configuration Manager, you will use the Deployment Workbench in MDT 2013 as follows:
On CM01, using the Deployment Workbench, expand MDT Production, and use the Monitoring node to view the deployment process (press F5 to refresh).Figure 39. PC0001 being deployed by Configuration Manager.
Note It takes a little while for the task sequence to start reporting monitor information, so if PC0001 does not appear when you press F5 the first time, wait 20 seconds and try again.
When you see the PC0001 entry, double-click PC0001, and then click DaRT Remote Control and review the Remote Control option.
Figure 40. The DaRT Remote Connection Viewer in action.
The task sequence will now run and do the following:
Figure 41. Deploying PC0001.
Install the Windows 8.1 operating system.
Install the Configuration Manager client and the client hotfix.
Join the machine to the domain.
Install the application added to the task sequence.
Note You also can use the built-in reports to get information about ongoing deployments. For example, a task sequence report gives you a quick overview of the task sequence progress.
- Install the Windows 8.1 operating system.
If time permits, allow the deployment of PC0001 to complete. Then log in as Administrator in the CONTOSO domain and verify that Adobe Reader XI was installed.


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I made the Candy Swirl Hat last year before our CuppyCake was born. Since, the original crochet hat pattern is in Russian, I had made a few changes to it because I just didn't understand it. I had promised to give you all my own version of it then. Here is the pattern now.
PLEASE NOTE: This pattern is not my own. I have tried to translate it from Russian for English speaking crocheters. The original pattern can be found here.
I know the hat looks quite advanced skills kind but trust me it is quite easy and intermediate level. There is only one set of stitches that keep being repeated round and round. The design takes on all by itself and if you have the right kind of yarn, the hat comes out beautiful. I recommend that you use variegated yarn because the change in colours makes it look are the more stunning. I used a special yarn that is made of bamboo.
|The yarn that I had used.
It was my first time working with the yarn and I liked the over all look of it but honestly, I wouldn't recommend it if you want to wear it often. The yarn is heavier and the hat came out quite heavy for a baby. Our CuppyCake wore it only once when she came home from the hospital and then we kept it as keepsake. I recommend you use some cotton variety for better results.
Here is the pattern for the Candy Swirl Cap:
|Please note: You will be working on a magic ring in the centre… there aren't all those chains in there.
Abbreviations and Stitches:
Ch- Chain
Sc- Single Crochet
Dc- Double Crochet
FPDC- Front Post Double Crochet
BPDC- Back Post Double Crochet
FPSC- Front Post Single Crochet
BPSC- Back Post Single Crochet
The original pattern from the Russian site already contains the instruction in photos. I will not be repeating here. If you are interested in seeing the pattern in pictures, you can go here.
Row1. Make 15dc into a magic ring. Join with slip stitch on top of first dc. (If you are more comfortable with chains you can begin with ch2 and dc into it.)
Row2. Ch1 to begin next row. Make a Front Post Double Crochet(fpdc) in the dc of previous chain. dc in the very same stitch. Continue around with FPDC and dc in all the stitches of the previous row. (FPDC is made over and around the dc of previous row rather than the loop on top of the stitch! Tutorial to FPDC coming soon))
Row 3. Ch1 to begin, FPDC in the FPDC of previous row followed by a 2dc in the same stitch. Do not crochet in the dc of the previous row. You will only crochet in the FPDC. Continue around with FPDC, 2dc all around and slip stitch to move to next row.
Row 4. Ch1 to begin. FPDC, 3dc in FPDC of previous row all around
Row 5. Ch1 to begin. FPDC, 4dc in FPDC of previous row.
Row 6. Ch1 to begin, FPDC, 4dc and ch1 in FPDC of previous row. Continue around.
Row 7. Repeat Row 6 till you have the required size of the cap.
|This is the main repeating units that repeat all around.
FPSC and BPSC in every stitch of the last row.
FPSC in FPSC and BPSC in BPSC of last row around.
Repeat row two till you have required size of brim.
Here is a pinnable image:
I know it looks quite complicated but it is quite easy when you start doing it. The author to the original pattern had said it could be done in a day. I finished it in 4hours! 🙂
PLEASE DO NOT PIN THE PDF FILE TO PINTEREST. You are welcome to pin this page but don't link directly to the pdf file. This is against the rules of sharing my patterns. Read full policy and disclosure to know how you can and cannot use my patterns.
{Download the PDF Version of the Candy Swirl Crochet Hat Pattern Here}
Interested in more crochet patterns? Try our other favourites.
Gold and Diamonds Hat
Pearl in Summer Panama
Super Easy Braid Hats
Don't forget to join our community on Facebook


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Kanavu Variyam (2017) Tamil Full Movie Watch Online Free Starring – Arun Chidambaram, Jiya, Ilavarasu,Pandi Lingeswaran Director – Arun Chidambaram Genre – Drama Country – India Language – Tamil Watch…
When becoming members of the site, you could use the full range of functions and enjoy the most exciting films.
Watch HD Movies Online For Free and Download the latest movies. For everybody, everywhere, everydevice, and everything ;)
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You'll Love Our Henderson, KY Hotel's Location Whether you're searching for Henderson, Kentucky lodging for the WC Handy Blues and Barbecue Festival, business meetings in Evansville, or visiting students at the University of Southern Indiana or UE, choose the Holiday Inn Express® Henderson hotel. Our convenient location on US 41 is close to everything. If you're in town for business our Henderson, KY hotel's location means you'll be close to all your meetings. Plus you'll love our business amenities which include 24-hour computer access, a meeting room that seats 20, and free high-speed wired and wireless Internet access in every room throughout this Henderson, Kentucky hotel. No other hotels in Henderson, KY offer leisure guests so many reasons to stay. You can test your luck at nearby Casino Aztar or at Ellis Park for a day of horse racing. The entire family can go wild with a visit to Mesker Park Zoo's new Amazonia Rain Forest exhibit. Audubon State Park is just next door so you can spend the day amid the beauty and tranquility that inspired James J. Audubon. No matter what brings you to Henderson, KY our hotel's amenities will surpass your expectations. There's a sparkling indoor pool and a Fitness Center for relaxation. You get a free hot breakfast bar, a room with crisp new bedding, and a large flat screen HD TV with 70 cable channels. Our Henderson, KY hotel's sure to impress and you'll be glad you opted to Stay Smart.
Cancellation policies vary by hotel. Since a hotel can set a cancellation policy up to 30 days prior to arrival, please review rate rules prior to booking to avoid possible charges.
2826 Us 41 NorthCP:42420,Evansville,Estados Unidos


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Buy in bulk all household supplies.
Plan meals in advance.
Only buy clothing on sale.
Explain early that good grades will be needed because scholarships for college are a must.
Older kids help with younger kids. Multitask.
Make friends with other parents in their after school activities so your kid can car pool with them sometimes.
You only do big events once a year...and save all year for it.
No eating out.
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Budget wise you would be surprised how much money you could save by just cutting out the junk food such as soda, chips, coookies.
Any sweets or treats are cooked from scratch. This is far cheaper and better for the kids. I use King Arthur flour which has 100% whole grain in what I bake. It is good for the kids but has the advantage of working like white. My bread machine makes pizza dough warm and fresh. The kids get to choose the toppings, or make a calzone with various ingredients of meats, cheese, or mushroom, green or red pepper, onion, etc.
Teach your children from a very young age to be happy with what they have and not always strive for more things. We always took our kids to church basement sales. Most things were 25 cents and the toys were pennies. The kids could take a plastic bag each and fill them with toys they wanted. This way it didn't kill my pocketbook but they felt like they got something new.
My kids were taught how to cook meals, clean the house, bake treats, and feel useful in the household. They work with me as a team. Each person does a certain area each day.
One may clean the rooms downstairs, one clean the kitchen, and my older one do laundry, or cook a meal. We love each other and work together like a well oiled machine :)
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Children of large families must LEARN to do WITHOUT even some necessities. When they are older, if they want the things other children have, they have to take afterschool and weekend jobs to acquire such things. They won't be able to participate in cultural and intellectual activities as such activities cost monies. They have to create their own mode of entertainment.
Parents of large families(6 or more kids) must live at the subsistent level at best. Many parents of large families are below water socioeconomically. It is commonplace for large families to depend upon charities and other forms of outside assistatance through religious organizations and more affluent relatives to keep them socioeconomically afloat. Many children from large families depend upon schools to receive medical and dental care. Children of large families regularly participate in free breakfast and lunch programs as there is often or not insufficient amounts of food in the household.
Parents of large families have to buy canned and powdered foods and food products as such are very cheap. They cannot afford to purchase fresh produce, meats, grains, and vegetables as such is costly and beyond the budget of the average large family. Children in large families oftentimes have to consume less nutritious foods. They also have to purchase clothings and other items at the Salvation Army, Goodwill, and other second hand stores. They can also get clothing from charities and other donations.
Since parents cannot adequately raise a large family by themselves, the oldest and/or older children become parentified, assuming parenting duties to their younger siblings. Oldest children in large families have LITTLE or FREE individualized time. What free time they have is spent raising and being parents to their siblings. Parents of large families are seldom involved in their children's lives. Children learn to raise and care for themselves at a very young age.
In the life of large families, children's summers are spent working to supplement family income and/or to purchase things for school and for themselves. Unless the child is on a scholarship, he/she will attend public schools. Parents of large families CANNOT afford to send their children to any form of private and/or parochial school. That is totally out of the question. As the children become older, they will have to work full-time to help supplement income. College-no such thing for children in large families!
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With love and affection we can take care of large family
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The EU's MiFID 2: Communicating with Clients
The EU's Markets in Financial Instruments Directive reform package, comprising a new Markets in Financial Instruments Directive and a new Markets in Financial Instruments Regulation — collectively known as MiFID 2 — will introduce significant changes for investment firms and other financial markets participants when it is implemented by EU member states starting in January 2017 (see Special Report by Emma Radmore and Juan Jose Manchado, of Dentons UKMEA LLP, London, at WSLR, October 2014, page 3).
This article, the first in a planned series by Dentons UKMEA LLP focussing on specific elements of MiFID 2, examines changes MiFID 2 will make to the way in which firms deal at a high, overall level with their customers and clients, and what firms will have to do to make sure they comply with the new standards.
It also considers what changes the U.K. Financial Conduct Authority (FCA) will have to make to its rules to implement MiFID 2.
What's Wrong with MiFID 1?
Recital 86 of the MiFID 2 Directive recognises a key objective of MiFID 2 is to protect investors, and says measures to do so should be proportionate to each category of investor — that is, retail, professional and counterparties (ECPs). But it also makes it clear that the principles of acting honestly, fairly and professionally and the obligation to be fair, clear and not misleading apply to the relationship with any client. While firms should in reality always have applied these standards, there will now be a greater onus on evidencing that they have done so in communications with non-retail customers.
Chapter 2 of FCA's Conduct of Business Sourcebook (COBS) is currently largely disapplied 1) to ECP business and 2) to all non-MiFID business with professional clients. FCA will need to make some changes to implement MiFID 2.
It will be interesting to see whether FCA continues to distinguish between MiFID and non-MiFID business, where by doing so it can create a lighter compliance regime for non-retail clients. Even if it does, the changes to client categorisation discussed below, and to some extent the increase in scope of MiFID business, would be likely to mean firms would need to comply with the higher standards for a larger proportion of business.
Overall Standards
Information — Generally
Several articles of MiFID 2 apply to the overall standards for communicating with clients.
Recital 103 of MiFID 2 states that ECPs should be regarded as acting as clients, but Recital 104 accepts the onus of conduct of business rules should be on those that are in most need of protection. That said, it notes the financial crisis has shown limits in non-retail clients' ability to appreciate the risks of their investments, and therefore says there is a need for better calibration of requirements that apply to different types of clients. As a result, it says there is a need to extend some information and reporting requirements to cover ECPs. It specifically notes the need for this in respect of client money and assets and reporting of complex instruments and transactions. This recital also says that municipalities and local public authorities must not be treated as per se professionals or ECPs, but that they may ask to opt up to professional status.
Article 24 requires, among other things, that:
- firms act honestly, fairly and professionally in accordance with the best interests of clients;
- all information, including marketing communications, addressed to clients or potential clients should be fair, clear and not misleading, and marketing communications should be clearly identifiable as such;
- appropriate information should be provided in good time to clients or potential clients with regard to the investment firm and its services, the financial instruments and proposed investment strategies, execution venues and all costs and related charges; and
- required information be presented in a comprehensible form such that clients or potential clients are reasonably able to understand the nature and risks of the investment service and specific type of instrument being offered, so they can take investment decisions on an informed basis. This information can be provided in a standardised format.
It allows the European Commission to make delegated acts, including on the conditions with which information must comply to be fair, clear and not misleading, and details on content and format of information to clients on key matters. One factor the Commission should consider when making delegated acts is the retail or professional nature of the clients or, for the information to be provided and its form, whether they are ECPs.
Client's Best Interests and Exclusion of Liability
In terms of overall requirements, and what FCA currently requires, Chapter 2.1 of COBS states:
- a firm must act honestly, fairly and professionally in accordance with the best interests of its client (the "client's best interests" rule);
- a firm must not, in any communication relating to designated investment business, seek to 1) exclude or restrict, or 2) rely on any exclusion or restriction of, any duty or liability it may have to a client under the regulatory system; and
- in order to comply with the client's best interests rule, a firm should not, in any communication to a retail client relating to designated investment business, 1) seek to exclude or restrict, or 2) rely on any exclusion or restriction of, any duty or liability it may have to a client other than under the regulatory system, unless it is honest, fair and professional for it to do so.
Information for Clients
COBS requires a firm to provide appropriate information in a comprehensible form to a client (for all retail clients and all MiFID business for clients, but not for ECPs) about:
- the firm and its services;
- designated investments and proposed investment strategies, including appropriate guidance on and warnings of the risks associated with investments in those designated investments or in respect of particular investment strategies;
- execution venues; and
- costs and associated charges
so that the client is reasonably able to understand the nature and risks of the service and of the specific type of designated investment that is being offered and, consequently, to take investment decisions on an informed basis. Firms can provide this information in a standardised format.
Clear, Fair and Not Misleading Information
COBS 4 deals primarily with "financial promotions" but also applies overarching standards to all communications. It requires a firm to ensure that a communication or a financial promotion is fair, clear and not misleading. It excludes from the scope of this rule certain financial promotions, including non-retail financial promotions and other "excluded" promotions (that is, those which a person not authorised under the Financial Services and Markets Act 2000 (FSMA) could legally make). COBS stipulates that the fair, clear and not misleading rule applies in a way that is appropriate and proportionate considering the means of communication and the information the communication is intended to convey. So, it says, a communication addressed to a professional client may not need to include the same information, or be presented in the same way, as a communication addressed to a retail client. More detailed requirements apply to communications which are financial promotions, which must also be clearly identifiable as such (although, again, certain promotions are excluded from this requirement).
COBS 4 then addresses requirements for communications with retail clients by stating that a firm must ensure that information:
- includes the name of the firm;
- is accurate and in particular does not emphasise any potential benefits of relevant business or a relevant investment without also giving a fair and prominent indication of any relevant risks;
- is sufficient for, and presented in a way that is likely to be understood by, the average member of the group to whom it is directed, or by whom it is likely to be received; and
- does not disguise, diminish or obscure important items, statements or warnings.
It allows firms some leeway. In deciding whether, and how, to communicate information to a particular target audience, a firm should consider the nature of the product or business, the risks involved, the client's commitment, the likely information needs of the average recipient, and the role of the information in the sales process.
When communicating information, COBS states a firm should consider whether omission of any relevant fact will result in information being insufficient, unclear, unfair or misleading. It also says firms must ensure that promotions are consistent with other information provided to retail clients.
ESMA's Technical Advice
The European Securities and Markets Authority (ESMA) noted in its consultation that led to its final technical advice to the European Commission on MiFID 2, published on December 19, 2014, that MiFID 1 also set the fair, clear and not misleading test and required marketing communications to be clearly identifiable as such. The key difference is that MiFID 1 imposes these conditions only for retail clients.
In providing its technical advice, ESMA considered the intent behind the change, and has now advised that:
- Information addressed to retail or potential retail clients:
- must give a fair and prominent indication of any relevant risks when referencing any potential benefits of an investment service or financial instrument;
- must use a font size in the indication of relevant risks that is at least equal to the predominant font size used throughout the information provided, as well as a layout that ensures prominence of the indication;
- must be consistently presented throughout all documents the client receives in one language, unless the client has agreed to receive information in different languages; and
- must be up to date and relevant to the method of communication used.
- Information addressed to professional or potential professional clients, however:
- must not reference any potential benefits of an investment service or financial instrument without also giving a fair and prominent indication of any relevant risks;
- must not disguise, diminish or obscure important items, statements or warnings; and
- must be accurate and up to date, and relevant to the method of communication used.
As for ECPs, ESMA says its advice does not apply to communications with ECPs, but notes MiFID 2 requires all communications with ECPs to be fair, clear and not misleading.
This is a good example of where the ESMA advice is confusing. Read literally, it does not apply the requirements for information to professional clients to communications with retail clients. In reality, though, this is because Article 27 of the MiFID 1 Implementing Directive, which is the basis for the COBS rules above, already requires this for retail clients, and ESMA does not intend this to change.
Likely FCA Rule Changes
FCA will need to make some fundamental decisions.
On the one hand, it will need to amend some of its COBS rules, which it currently disapplies to non-retail communications, to apply to all communications. On the other hand, it will also need to decide, more fundamentally, whether to keep its current distinction between MiFID and non-MiFID business, which has allowed it to apply a lighter touch to business which falls under COBS but not under MiFID.
When making its decisions and its rule changes, it must also bear in mind the changing scope of MiFID 2 and the changes to client categorisation. Some business which is currently regulated by FSMA but is not MiFID 1 business will be within the scope of MiFID 2 — this will be addressed in a later article in this series — and therefore FCA will not have discretion to disapply rules. The changes to the client categorisation rules that MiFID 2 will bring (discussed below) will mean some clients who are per se professional clients under MiFID 1 will be retail clients under MiFID 2.
Client Categorisation
The main change MiFID 2 makes is to stress that municipalities and local public authorities are not ECPs, nor are they automatically (per se) professional clients. Firms can opt these clients up from retail to professional status. To do so, however, requires the agreement of the client.
Also, MiFID 2 has introduced the possibility for EU member states to adopt specific criteria for assessing the expertise and knowledge of these bodies, which can be alternative or additional to the criteria used for other clients who are opting up. So, in future, it may not be so easy for firms to treat these entities as professional clients or ECPs.
Client Agreements
Closely related, but separate, to the overall information requirements discussed above are the rules on client agreements.
MiFID 2 requires (as did MiFID 1) that each investment firm keeps a record including the document or documents agreed between the firm and the client that set out the rights and obligations of the parties, and the other terms on which the firm will provide services to the client. The MiFID 1 Implementing Directive required firms to enter into a basic written agreement with any new retail client, saying the agreement should set out the essential rights and obligations of the firm and the client.
ESMA suggested to require a written (or equivalent) agreement between firms and their professional clients. Its technical advice confirms this: saying that firms providing any new investment service, or the ancillary service of safekeeping and administration of financial instruments, to professional clients should enter into such an agreement. However, if the firm is providing investment advice, the obligation will apply only where the client receives a periodic assessment of suitability of the instruments the firm recommends to it. The advice then clarifies that firms should enter into a written agreement with retail clients when providing investment advice (except where it does not provide a periodic suitability assessment) or safekeeping and administration. But this is additional to the obligations firms have towards retail clients under the MiFID 1 Implementing Directive.
The advice clarifies the written basic agreement should include:
- the nature and extent of any investment advice services to be provided;
- if there is portfolio management, the types of financial instrument and the types of transactions in which the firm may deal for the client, and any in which it cannot; and
- the main features of any custody services that will be provided.
ESMA states it wants to achieve a common minimum harmonisation for client agreements.
Changes to COBS
COBS 6 sets out the detailed rules for information that firms must communicate to clients. The chapter is detailed, and not only tracks the current MiFID requirements but also represents the U.K.'s main "gold plating" of MiFID 1, as it includes the requirements firms providing investment advice to clients must fulfil under the U.K. Retail Distribution Review. We will cover investment advice, disclosures and costs and charges in a separate article.
Chapter 8 of COBS addresses the need for a client agreement. This chapter applies to a firm in relation to designated investment business carried on for:
- a retail client, and
- in relation to MiFID or equivalent third country business, a professional client.
In practice, however, its detailed rules apply only to retail clients, in line with the current MiFID requirements. If a firm carries on designated investment business, other than advising on investments, with or for a new retail client, the firm must enter into a written basic agreement with the client setting out the essential rights and obligations of the firm and the client.
COBS 8 says the firm must provide that client with 1) the terms of any agreement relating to designated investment business or ancillary services, and 2) the information about the firm and its services relating to that agreement or to those services required by COBS 6, including information on communications, conflicts of interest and authorised status. It must do this in good time before a retail client is bound by the agreement or before the provision of those services, whichever is the earlier. It also lays down requirements on medium of communication and record keeping requirements. It clarifies that a firm can incorporate the rights and duties of the parties into an agreement by referring to other documents or legal texts, and reminds firms to be aware of other obligations in the FCA Handbook of Rules and Guidance which may be relevant. These include the fair, clear and not misleading rule, the rules on disclosure of information to a client before providing services and the rules on distance communications.
On the whole, most firms already provide clients with written agreements that cover what ESMA suggests, and more. However, this does not mean they will not need to build into their MiFID 2 preparations an overall review of all customer communications, including client agreements.
The attention the EU legislators and ESMA have given to what should be a straightforward, largely commonsense topic suggests the time firms will need to set aside to ensure their MiFID 2 compliance.
While, for U.K. firms, the changes to FCA rules may not seem significant (depending on whether FCA makes the minimum change to implement MiFID 2 or makes broader changes for greater consistency between types of firm, client and service), the devil is likely to be in the detail.
Firms should take the opportunity to review their client agreements and how they communicate required information. The checks they carry out in doing so should help them comply with the more detailed changes that MiFID 2 implementation and changes elsewhere in FCA rules will bring.
This article first appeared in the February 2015 edition of Bloomburg BNA. Written by Emma Radmore in Dentons' London office.
The text of Directive 2014/65/EU of the European Parliament and of the Council of 15 May 2014 on markets in financial instruments and amending Directive 2002/92/EC and Directive 2011/61/EU is available at http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=uriserv:OJ.L_.2014.173.01.0349.01.ENG.
The text of Regulation (EU) No 600/2014 of the European Parliament and of the Council of 15 May 2014 on markets in financial instruments and amending Regulation (EU) No 648/2012 is available at http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=uriserv:OJ.L_.2014.173.01.0084.01.ENG.
The text of ESMA's December 2014 final technical advice on MiFID 2 is available athttp://www.esma.europa.eu/system/files/2014-1569_final_report_-_esmas_technical_advice_to_the_commission_on_mifid_ii_and_mifir.pdf.


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Quirky girls are a peculiar archetype, a subculture in entertainment that includes disparate wackadoodles like Katharine Hepburn in Bringing Up Baby and the effervescent young Goldie Hawn in anything. And this past year it included a sitcom tenuously built around the one-note manic-pixie-dream-girl trope's pageant queen, Zooey Deschanel, who has almost single-handedly infantilized America's latest sweetheart-type into ridiculousness through her Fox series New Girl.
These borderline-annoying pixies see the world with wide eyes (in Deschanel's case, doe eyes surely augmented with the plentiful false eyelashes, Photoshop and Rimmel mascara she shills in every woman's magazine) — they're lovable, free-spirited eccentrics in baby doll dresses left to run rampant.
The term "manic pixie dream girl" may have been coined by film critic Nathan Rabin (for Kirsten Dunst's character in 2005's Elizabethtown) but it also encompasses plucky silent film star Clara Bow, Shirley MacLaine in The Apartment, Jane Fonda in Barefoot in the Park and half of Dharma & Greg. Quirky has its place. It can be funny, even charming. But on its own, in the absence of any other qualities, it doesn't equal funny. At least 2 Broke Girls is crude, sassy and wise, and Whitney has a potty mouth, to name two of this year's other female-centric sitcoms.
Initially, I welcomed the idea of offbeat and adorkable as a respite from primetime comedy's usual shrill scold foils (Last Man Standing) and sex-object-punchlines (Two and a Half Men is flush with both). But quirk has varying dilutions on its spectrum, on a scale of Lucille Ball to Björk.
On New Girl, Deschanel's Jess floats through life in vintage floral dresses; she's not just spacey but dumb as a puppy. She's erratic to the point of manic. At least the functioning-Asperger's-spectrum characters on Community, The Big Bang Theory and Criminal Minds are given the smarts to offset their stereotypical lack of affect. Heck, Deschanel's own sister Emily may have no EQ but her Dr. Temperance Brennan at least gets to provide Bones' deadpan.
New Girl's Jess gets to makes scrunched-up faces, and occasionally bursts into song at inappropriate times. It's madcap, get it? Most audiences don't, judging by the show's December ratings, the show's lowest since its fall premiere. It seems being the lady-child with no guile is worse than being the dumb blonde.
And at least in Big Bang Theory, Kaley Cuoco's book-stupid-but-street-smart Penny (the Chrissy Snow of Gen Y) gets to play the straight man observer, thereby also getting some of the best lines, and biggest laughs. It's not groundbreaking, but it's also not ingratiating.


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Planned Parenthood Abortion Biz Closes 5th Clinic After Donald Trump Defeats Hillary ClintonState Micaiah Bilger Jan 9, 2017 | 10:38AM Boston, MassachusettsPlanned Parenthood shut down two more of its facilities in Massachusetts this month, bringing the total number closed since Donald Trump won the election up to five.The Milford Daily News reports two Planned Parenthood clinics in Milford and Somerville, Massachusetts closed permanently several weeks ago. Neither of the facilities performed abortions, but they did recommend and refer women for them. Patients affected by the closings are being referred to the abortion group's other five centers in the state, according to the report. Those centers are increasing their hours, according to Planned Parenthood.The news comes not long after a Pennsylvania affiliate of the abortion group announced that it also was closing three of its facilities in December. Administrators there cited budgetary reasons for the closings.Read More At: http://www.lifenews.com/2017/01/09/planned-parenthood-abortion-biz-closes-5th-clinic-after-donald-trump-defeats-hillary-clinton/


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The theme is The River Tweed from source to mouth and I'm really excited about it as this is a river I know well from when I used to live around Galashiels.
Yesterday I went to see Paxton House and I took a few shots of the Chain bridge and the river around that area.
I've got plenty of time to explore the river and to capture images as we come into spring but there was plenty to photograph just around Paxton House so I'm looking forward to it.


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30 Mankina Circuit Delahey 3037 VIC
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I had been shovelling snow and was really tired. I could have picked up a burger, ordered a pizza or opened a can. Instead I made Pork Chops Parmigiana. This recipe is so easy, even I can do it. Continue reading Pork Chop Parmigiana
Tag Archives: pasta
Miniball Spaghetti
We needed a quick meal and I hadn't had spaghetti in a while so it was obviously time. This necessitated a choice. Marinara sauce and meatballs or meat sauce? Why not something in between? I made a nice marinara sauce and cooked small meatballs in the sauce. Welcome to Miniball Spaghetti. Continue reading Miniball Spaghetti
Easy Meat Sauce
You'll note there wasn't any posts for awhile. I have been ill with a terrible cold that has lasted for 10 days and isn't completely gone. I was not totally idle. In the last couple of days, my brother and his wife came to visit for a couple of days so I had to do some cooking. It was all on the easy side. Continue reading Easy Meat Sauce


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Tarleton State University is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer. As a member of The Texas A&M System, Tarleton will provide equal opportunity for employment to all persons regardless of race, color, sex, religion, national origin, age, disability, genetic information, veteran status, sexual orientation or gender identity and will strive to achieve full and equal employment opportunity through The Texas A&M System.
Tarleton's online application system is designed to comply with Federal Section 508 accessibility standards. If you need accommodations at any stage of the hiring process or if you need assistance in using this program please contact us at email@example.com or call 254-968-9128.


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Prison Break is an American television serial drama created by Paul Scheuring. Seasons 1 through 4 were broadcast on FOX from 2005 to 2009. Season 5 aired from April-May 2017.
Michael Scofield is a desperate man in a desperate situation. His brother, Lincoln Burrows, was convicted of a crime he didn't commit and put on Death Row. Michael holds up a bank to get himself incarcerated alongside his brother in Fox River State Penitentiary, then sets in motion a series of elaborate plans to break Lincoln out and prove his innocence. Once out of jail, their perils aren't over -- the brothers must flee to escape recapture and battle an intricate political conspiracy that puts everyone's life at risk.
This is a place for fans to discuss the FOX television drama series Prison Break. Anyone is welcome to help edit. We are currently working on 2,249 articles.
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Thread: chart format
01-30-04, 09:15 #1Registered User
- Join Date
- Jan 2004
- Location
- South Africa
- Posts
- 178
Unanswered: chart format
i have a chart on a form.
the X axis is controlled by date, which was set with the wizard to display in the format: MMM YY
i want to use 2 radio buttons to switch between MMM YY and WW YY.
the radio buttons are already set up. i just need code to change the date format.
any suggestions?
thanks in advance


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This laptop landed in my hands a couple weeks ago, and a quick check online suggested it was well supported by FreeBSD. So I gave it a try! It worked out of the box… nearly.
Archive for the 'hack' Category
FreeBSD 10 on the Asus Zenbook UX31EIn hack on December 29, 2015 at 11:54
Back to businessIn experiment, hack on April 4, 2015 at 19:26
My relationship with Apple laptops and OSX: 2004 ♥ — 2013 😦 — 2015†.
tl;dr: Apple has stretched my ethical boundaries too far, so I decided to move on. I am now giving Android a shot in combination with a touch screen. So far, lovin' it.
VoCore #310 and #2606 reporting for dutyIn experiment, hack on November 14, 2014 at 12:14
Lab notes: tinkering with GoIn hack, lecture on May 21, 2013 at 12:00
Recently I designed a utility for my research. To implement this utility I needed a programming language that: 1) is appropriate for fast prototyping, 2) supports asynchronous, low-latency event handling, and 3) supports efficient in-program multi-way channel polling.
So far I could find, only Go fits the bill, and so I learned Go for a couple of days.
Report inside. Read the rest of this entry »
How my first GA application failedIn hack, reflection on January 28, 2013 at 12:00
Last week I implemented my first "useful" genetic algorithm (GA) to solve a mapping problem. Lesson learned: don't mistake "good solution according to the algorithm" with "good solution to the problem."
It can't be wrong if it feels so goodIn hack, lecture, reflection on January 7, 2013 at 12:00
I did it again.
It's like self-gratification: can't hurt anyone, reliable pleasure, kept me busy for a while, pleasant relief afterwards.
Really, I ought to have been working on new, abstract, sexy-sounding research directions to advance my career.
Instead, I spent a half week programming and engineering. And I learned a damn lot about myself in the process.
The holy printing altarIn hack on November 5, 2012 at 12:00
We have in our office this awesome networked multi-function laser color printer able to churn out hundreds of pages in a few minutes. It's also our coffee corner at work. Which means I spend time quite often next to it. And therefore that I see stuff coming out of it.
Making Scrabble more funIn hack on November 3, 2012 at 12:58
So there's this bunch of friends who wanted me to play Scrabble with them. I'd like to play with them. Unfortunately, my relationship with words does not involve decomposing them into individual letters: I learn and use them as a whole, not an assembly of their parts. So I can't "see" words when faced with a set of Scrabble tiles. Therefore, I suck at Scrabble.
But then there are two components to the game: finding candidate words (which I suck at) and then finding good positions to place them on the board and maximize your score (which I suck less at). Maybe if I could get some help on the first part, Scrabble could be fun. And then I figured computers are good at finding things.
So I decided to make a program to help me.
Reading is good, reading right is betterIn hack, lecture on August 6, 2012 at 12:00
Distraction is pleasurable, but there are many ways to waste time reading stuff online. There's the useless stuff, and there's the stuff that makes you stupid. In contrast, choose wisely and balance useful stuff with stuff that makes you smarter and more creative. Read the rest of this entry »
Too many "friends"?In hack on June 2, 2012 at 17:43
How to organize your contact list, 21st century-style. Read the rest of this entry »