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Administrators from auditing firm KPMG are investigating after IMS, trading as IMS Indem-nity Ltd and IMS Litigation, went into administration earlier this month.KPMG will report back to creditors within 10 weeks of its appointment on 7 June.
BMA medico-legal committee chairman Dr Jan Wise said the majority of doctors owed money by IMS were GPs. He estimated that around 3,000 doctors in total were out of pocket.
'GPs are the majority of the creditors - I think the average debt is probably around £2,000 to each of them,' Dr Wise said. Much of the money may not be recoverable, he warned.
However, there was a possibility that cash could be recouped via the courts or if cases GPs had provided reports for had not yet been settled.
'If the case hasn't been settled then a substantial proportion of the fee could be recoverable,' Dr Wise said. 'If the case is ongoing and the GP hasn't been paid, they can write to the solicitors who commissioned the report and claim that intellectual property has not been discharged.'
Dr Wise added that a class action to recover debts might also be possible.
He said that in some cases the medical reporting firms had referred to themselves in writing as 'agents' of the solicitors who commissioned reports.
This could make it possible to claim fees directly from the so-licitors, Dr Wise said.
Retired Luton GP Dr Anthony Mitchell said he was owed around £150 by IMS for two reports.
'I've written it off. For what I'm owed it's not worth the hassle of taking anyone to court,' he said.
But, he added, other doctors who had worked for the firm were owed £1,000 or more, and would be keen to take legal action.
Dr Marshall said many GPs were carrying out 'hundreds of reports for IMS or similar medical reporting firms'.
Last July IMS paid more than £300 to Surrey GP Dr Raghunath Lall after GP exposed the firm's failure to respond to repeated re-quests for payment.
The BMA is collecting reports from GPs who are owed money by IMS. It will forward them to KPMG and demand information.
A KPMG spokesman said the firms had an annual turnover of £8 million and KPMG was looking at the possibility of selling their intellectual property rights.
BMA contact: Live links http://www.healthcarerepublic.com
Comment below and tell us what you think


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My International Experience
Well just like that I am around the half way mark of my international experience and time continues to fly by. It's hard to believe that I will be home in less than two months! So far, this experience...
GOLD COAST, Australia – Canada's Taylor Ruck didn't know she'd won the gold medal in the women's 200-m freestyle in swimming action Thursday at the Commonwealth Games
Canada is set to take to the courts in Cairns and Townsville and make its basketball debut at the 2018 Commonwealth Games.
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Henry Henderson is Midwest director for the Natural Resources Defense Council. If you have a guest column to share, email Opinion Curator Dan Hawkins. And be sure to check out our guidelines for submission.
By Henry Henderson
Flint is not fixed.
There has been improvement. But lots more needs to be done to ensure everyone has access to safe water -- as well as the trust and confidence that their water is safe, a guarantee that most every other community in America has assumed for decades.
That is still a long way off in Flint.
Recently, the Natural Resources Defense Council, the ACLU of Michigan, Concerned Pastors for Social Action and Flint residents won in federal court arguing for immediate action from the city and state to bring more help to the people who are still struggling with water issues, years into the crisis. It should be an embarrassment that a court order is still needed to ensure safe water makes it into the homes of Flint's most vulnerable and marginalized communities, but alas, that is sadly consistent with the overall slow response.
Action has been slow in coming, all up and down the political ladder. But no institution has been slower to act than Congress, which so far has provided no help to the people of Flint.
It's not too late for federal lawmakers to act. Now that the election is over, the House and Senate are reconvening, with one last chance to approve aid before adjourning for the year. The groundwork for action has been laid; each chamber approved its own version of an aid package. The Senate bill is more generous and ought to be the basis for moving forward, as we have already seen what happened last time things were done to Flint's water system on the cheap.
Normally, Congress steps in to help Americans in need. The Louisiana delegation got flooding assistance for the state within six weeks of recent storms. But the rules for Flint seem to have been different with Republican leadership in the Senate, forcing budget offsets that were not normally required for emergency aid, and Republican leadership in the House dismissing the problem in Flint as a local issue even while doling out cash for infrastructure in far less needy localities. In the end, when acrimony over the issue threatened other partisan priorities (and delayed campaigning) action was taken.
Now is the time for the entire Michigan delegation to come together in a unified push, regardless of party affiliation, to get a bill onto the president's desk. Helping Americans who were poisoned by their government should be a bipartisan affair. Michigan's delegation is well positioned to get this done if some key players choose to engage more forcefully. Most notably absent has been Rep. Fred Upton, who chairs the House's Energy and Commerce Committee, which oversees implementation of the Safe Drinking Water Act -- the law that was so blatantly violated.
We are pressing the case in federal court for a stronger response to Michigan's drinking water mess, but Congress too has a moral responsibility to help out in Flint, just as they have for major disasters elsewhere in the country. When lead-contaminated water showed up in congressional offices earlier this year, immediate action was taken. Yet Flint continues to wait.
All levels of government failed in the water crisis -- including the feds. Coming home empty-handed cannot be an option for the Michigan delegation in D.C., despite the challenging political times.
If Michiganders won't fight for Flint in Congress, who will? And if not now, when?


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We are testing a new beta website for gov.scot
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Register to receive email news alerts, daily digest, weekly roundup or Topic newsletters.
The Local Government in Scotland Act 2003 - Community Planning Advice Note
The Local Government in Scotland Act 2003 - Guidance for Community Planning
The Local Government in Scotland Act 2003 - Guidance on the Power to Advance Well-Being
Consultation Paper and draft Bill
Expression of Interst Invited
Easy read summary of the National Mental Health Services Agreement: Towards Implementation of the Mental Health (Care and Treatment) (Scotland) Act 2003
Guidance Notes
The purpose of this, the thirteenth EIU Evaluation Guide, is to provide a framework for measuring the success of services provided to families and carers of drug users.
This guide looks at ways of assessing the impact of an ICP and ensuring that it continues to improve the quality of care provided to the next client with similar presenting issues.
The consultation pack gives information on the Children's Hearings System and asks for responses on key issues and questions about the principles and objectives of the system
Scottish Executive and Scottish Enterprise are promoting awareness of tender opportunities available to Scottish companies holidng seminars in May and June 2004
Analysis of the responses to the Business Improvement Districts consultation paper
Full Inspection Report
Letter issued to Sheep & Goat Keepers in Scotland
Reprint of current publication
Consultation on a new sustainable development strategy for the UK
Bowel cancer is an improtant health issue worldwide and, in Scotland, it represents a major problem. In this framework the key components of a national bowel cancer service programme are outlined.
A consultation document on the control of activities that may harm the water environment, this comes out of the Water Environment and Water Services (Scotland) Act 2003
Consultation Paper
Addresses nursing services for people with cancer and their carers across the age spectrum, wherever care is offered and whoever is involved in its planning, delivery and evaluation.
Page updated: Thursday, March 31, 2005


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Unformatted text preview: with communism. In the video there is a woman representing free-thinking and creativity, while the rest of the characters are the "sprawl". They have the same masks on and are dancing lifelessly throughout the song. Perhaps this represents "going through the motions" of life and society. When many hear the world "sprawl" and suburbs (the album name), their minds go to the 1950s. Although sprawl is mainly associated with this time period, I find it interesting that the artists still sees it as such a meaningful issue still going on in todays world, since the target audience is now. Comparing the cultures of the sprawl in 1950 and now is the primary basis of my essay....
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- Spring '11
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- English, Rhetoric, Suburb, Urban sprawl, Alternative rock, sprawl, The Sprawl
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The NAIC's Capital Markets Bureau monitors developments in the capital markets globally and analyzes their potential impact on the investment portfolios of US insurance companies. A list of archived Capital Markets Bureau Special Reports is available via the index
U.S. Insurer Exposure to the FHLB System as of Year-End 2016
This special report is an update of the NAIC Capital Markets Bureau Special Report, "U.S. Insurer Exposure to the Federal Home Loan Banking System as of Year-End 2015," published Sept. 13, 2016. The previously published report discussed the purpose and structure of the Federal Home Loan Bank (FHLB) system, and it concluded with an analysis of U.S. insurer exposure to FHLB borrowings (advances), debt and capital stock.
For any insurer to borrow from an FHLB, they must be a member of the specific FHLB, which requires them to hold both member and activity stock. This is regardless of how the borrowing is treated by either the FHLB or the insurer; i.e., as an advance, as debt or as a funding agreement. All such capital stock is treated as common stock by insurers. Given the connection between the two activities, the requirements regarding disclosure of borrowings are included in Statement of Statutory Accounting Principles (SSAP) No. 30—Unaffiliated Common Stock.
According to SSAP No. 30, U.S. insurers shall disclose the aggregate amount of their borrowings from the FHLB, reflecting a compilation of all advances, loans, funding agreements, repurchase agreements, securities lending, etc., that they have outstanding with the FHLB. This disclosure is required for outstanding advances at the reporting date and the maximum amount of aggregate borrowings from an FHLB at any time during the current reporting period.
In this report, our analysis focuses on U.S. insurer exposure to FHLB capital stock and FHLB bonds at year-end 2016, as well as the maximum amount of FHLB borrowings by U.S. insurers throughout 2016.
U.S. Insurer FHLB Advances and Pledged Collateral
FHLB advances are a stable source of low-cost funding with maturities that can vary from short-term to up to 30 years based on the needs of the U.S. insurer. Prepayment of outstanding advances prior to the stated maturity may not be permitted or, if permitted, result in significant penalties. Advances can be structured in different forms, and are generally reflected as debt or, for life companies (those that are licensed to issue deposit-type contracts), funding agreements. Funding agreements are mainly reported by life companies, as there are very few, if any, property/casualty (P/C) companies licensed to issue such products.
Furthermore, whether advances are classified as debt or funding agreements depends on the intended use. Advances that are used for financial leverage (spread investment) are reported as funding agreements; if used to fund general business operations, they are reported as debt. According to SSAP No. 15—Debt and Holding Company Obligations and SSAP No. 52—Deposit-Type Contracts, advances from an FHLB shall be evaluated on an individual basis and shall be accounted for in accordance with the substance of the individual agreement. If the arrangement is, in substance, a funding agreement, it would be accounted for under SSAP No. 52 with established policy reserves for all contractual obligations arising from the contract provisions.
Regardless of whether the advance from the FHLB is considered "debt" or a "funding agreement," U.S. insurers must disclose identical information on FHLB activity, including information on FHLB common stock held (because they can only borrow if they own FHLB stock), collateral pledged to the FHLB, advances from the FHLB and whether advances are subject to prepayment penalties.
U.S. insurers reported about $70 billion in FHLB advances outstanding as of year-end 2016 and maximum advances totaling $81 billion in FHLB during 2016, with the $11 billion difference due to 84 insurers that reported a difference between their maximum borrowings for 2016 and the outstanding amount at year-end. In comparison, insurers reported maximum advances of $48.8 billion in 2015.
The 68% increase in FHLB maximum advances from 2015 to 2016 was mainly driven by 36 insurers reporting $20.9 billion in maximum advances in 2016 but not in 2015 (which includes insurers as new FHLB members in 2016, as well as others that had zero borrowings during the year).The disclosed value of FHLB maximum advances in 2016 represented 34% of the estimated borrowing capacity disclosed by insurers.
The vast majority of FHLB advances to U.S. insurers (91%) were to life companies. Per the statutory financial statements for year-end 2016, only 165 of the 310 insurer FHLB members reported having an FHLB advance during the reporting period. Of those that reported these advances, 95 were life companies, 51 were P/C companies and 16 were health companies.
The large disparity in the number and the outstanding amount of advances between life companies and P/C companies is explained by each industry's purpose in obtaining advances: life companies mainly use advances as part of their spread business, whereas P/C companies without deposit-type contracts see value in FHLB membership because it provides access to readily available liquidity.
Insurers with total cash and invested assets greater than $10 billion accounted for 83% (or $67.6 billion) of FHLB maximum aggregate advances in 2016, as shown in Table 1; life companies accounted for about $65.5 billion of this total.
Table 1: U.S. Insurer Year-End 2016 FHLB Maximum Advances by Total Cash and Invested Assets ($mil. BACV)
SSAP No. 1—Disclosure of Accounting Policies, Risks and Uncertainties, and Other Disclosures requires U.S. insurers to disclose amounts that are reported in the financial statements but that are "restricted" because they are pledged as collateral or under the exclusive control of the insurer. FHLB capital stock held and assets that are pledged as collateral to an FHLB are considered restricted assets subject to this disclosure.
In addition, under SSAP No. 30, insurers must disclose FHLB capital stock that is eligible for redemption and the anticipated redemption time frame. Note that FHLB capital stock can only be redeemed with the FHLB after written notification on the intent to redeem and after a specified waiting period. Class B stock has a five-year waiting period after submitting written notification to redeem.
In the Notes to the Financial Statements(Note 11 – Debt), U.S. insurers reported assets pledged as collateral to the FHLB system with a book/adjusted carrying value (BACV) of $96.2 billion at year-end 2016, up from $73 billion as of year-end 2015 (see Table 2). Each FHLB member must pledge collateral to receive advances, and the fair value of pledged collateral is required to exceed the amount of the FHLB advance. The value allowed in the calculation also varies depending on the quality and liquidity of the asset.
This overcollateralization provides the FHLB with additional cushion in the event of a member default. FHLB members may also pledge collateral in anticipation of FHLB advances to minimize any delay in accessing the liquidity. As such, the $23 billion increase in pledged collateral from 2015 to 2016 is for existing advances, as well as for the intention of maintaining an open but undrawn liquidity source, which includes any potential overall overcollateralization. Subtracting the BACV of pledged collateral that was reported at year-end 2016 for U.S. insurers that did not report advances for that year, total pledged collateral to FHLB by U.S. insurers would be approximately $94 billion.
In 2014, the FHLB system issued proposed rules where the definition of "insurance company" would exclude captive insurers, thereby preventing entities—such as real estate investment trusts (REITs)—that do not otherwise meet the statutory requirements from becoming FHLB members. The FHLB rule published in January 2016 by the Federal Housing Finance Authority relative to FHLB membership set a FHLB member termination date of Feb. 19, 2017, for captive insurers that became members after Sept. 12, 2014.
For captive insurers granted FHLB membership prior to Sept. 12, 2014, the FHLB member termination date is February 2021. Thus, some captive insurers of REITs had the ability to request advances in 2016, as FHLB membership following the January 2016 rule was not terminated for all captive insurers.
Table 2: U.S. Insurer Year-End 2016 FHLB Pledged Collateral ($mil.)
U.S. Insurer Exposure to FHLB Capital Stock
U.S. insurers reported holdings of FHLB capital stock with a par value of $4 billion in 2016, up slightly from $3.6 billion in 2015 (see Table 3). FHLB capital stock is reported at par value in the statutory financial statements, and it is only redeemable with the FHLB at par. FHLB capital stock is not traded on the open market; therefore, it is not subject to market value risk. The risk-based capital (RBC) charge for FHLB capital stock is the same for life companies and P/C companies, at 1.1%.
Life insurers, as the largest FHLB borrowers, are also the largest holders of FHLB capital stock (across the five major insurer types), accounting for 90% of reported year-end 2016 holdings. U.S. insurer capital stock holdings consisted of activity-based stock ($2.6 billion), Class A stock ($113 million), Class B stock ($1.2 billion) and excess capital stock ($75 million).
The amount of activity-based stock held is a determinant of the amount of advances that an FHLB member can take. Excess capital stock is any amount held that is greater than required under the particular district bank capital requirement. For example, if additional capital stock was acquired to receive an advance, and the insurer repaid the advance, the additional capital stock held would be classified as excess stock.
If an insurer decides to redeem its member stock, the FHLB may repurchase such member stock investments that exceed the required minimum amount if it is in compliance with regulatory capital requirements and will maintain such compliance after the repurchase.
Table 3: U.S. Insurer Year-End 2015 Exposure to FHLB Capital Stock ($mil.)
Large life companies (greater than $10 billion in total cash and invested assets) held $3.1 billion of the $3.6 billion of FHLB capital stock held by all life companies, as shown in Table 4. Large insurers across all insurer types accounted for about $3.3 billion (or 82%) of total U.S. insurer exposure to FHLB capital stock (see Table 4).
Table 4: U.S. Insurer Year-End 2016 Exposure to FHLB Capital Stock by Total Cash and Invested Assets ($mil. BACV)
U.S. Insurer Exposure to FHLB Bonds
In addition to advances and capital stock holdings, U.S. insurers also invest in bonds issued by the FHLB system. U.S. insurers reported exposure to FHLB bonds with a BACV of $9.8 billion as of year-end 2016, down from $11.1 billion in 2015, and a 12% decrease from 2014 ($12.7 billion).
While both FHLB and insurer assets under management have been growing year over year, insurer holdings of FHLB bonds decreased from 2015 to 2016, likely because of their lower yield compared to other, higher yielding investment opportunities. Life and P/C insurers held about 85% of the industry's FHLB bonds at year-end 2016 (see Table 5). In general, there was no significant change in FHLB bonds held by each of the five major insurer types year-over-year from 2014 to 2016 (in percentage terms).
Table 5: U.S. Insurer Year-End 2016 Exposure to FHLB Bonds ($mil.)
U.S. insurers with total cash and invested assets greater than $10 billion comprised 39% of insurers' reported exposure to FHLB bonds (in terms of BACV) at year-end 2016. U.S. insurers with between $1 billion and $2.5 billion total cash and invested assets under management accounted for 16% of FHLB bond exposure, followed by insurers with less than $250 million total cash and invested assets, and insurers with between $500 million and $1 billion total cash and invested assets under management, accounting for 12% and 10%, respectively (see Table 6).
Table 6: U.S. Insurer Year-End 2016 Exposure to FHLB Bonds by Total Cash and Invested Assets ($mil.)
The distribution of FHLB bond maturities (with respect to those held by U.S. insurers) was tilted toward the long end, with 55% of bonds having maturities of greater than five years, up from 50% in 2015. In comparison, about 96% of total FHLB bonds outstanding mature within five years or less. FHLB bonds held by life and fraternal insurers were even more weighted toward longer-dated bonds: 73% and 75% of their exposures, respectively, had maturities greater than 10 years. The difference in the concentration of maturities across insurer types is a function of asset-liability matching. Almost all of the FHLB bonds held by health companies mature in 10 years or less (see Table 7).
Table 7: U.S. Insurer Year-End 2016 Exposure to FHLB Bonds by Maturity
The FHLB system provides residential mortgage liquidity through direct purchases or by facilitating (as agent) third-party sales of mortgage loans from members. The FHLB system also provides members with advances collateralized by assets pledged by the insurer.
U.S. insurers reported FHLB maximum advances of $81 billion during 2016, the majority of which (91%) were to life companies. Among the five insurer types, life companies also had the largest exposure to FHLB capital stock, with a BACV of $3.6 billion out of the $4 billion reported at year-end 2016. The majority of U.S. insurer capital stock exposure consisted of activity-based stock ($2.6 billion).
Due, in part, to the restriction limiting the sale of FHLB capital stock to only FHLB at par and the six-month and five-year notification requirement for redemption of Class A and Class B capital stock, respectively, FHLB capital stock is relatively illiquid.
FHLB bonds are not guaranteed by the full faith and credit of the U.S. government as to the payment of interest and principal, as the FHLB system is a government-sponsored entity (GSE) that receives indirect governmental support (and is not a government agency). All of the bonds are, however, the joint and several obligations of all 11 banks comprising the FHLB system.
The FHLB system does benefit from capital markets access at lower rates than would be available without federal government support. The likelihood of loss to U.S. insurers from FHLB default on its debt is minimal, given the FHLB status as a GSE and given U.S. insurer exposure to FHLB bonds ($9.8 billion) accounted for less than 1% of the U.S. insurance industry's total cash and invested assets, which is the same exposure U.S. insurers have to Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) bonds.
The Capital Markets Bureau will continue to monitor trends in exposure to FHLB and report on any developments as deemed appropriate.
Questions and comments are always welcome. Please contact the Capital Markets Bureau at email@example.com.
The views expressed in this publication do not necessarily represent the views of NAIC, its officers or members. NO WARRANTY IS MADE, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OF ANY OPINION OR INFORMATION GIVEN OR MADE IN THIS PUBLICATION.
© 1990 – 2018 National Association of Insurance Commissioners. All rights reserved.


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The staffing industry in West Michigan seems to be stuck on repeat lately.
Researchers and designers at the Big Three office furniture companies are very deliberate in the words they use to describe the changing workspace. Some of their favorites include "open," "casual" and "collaborative."
The Literacy Center of West Michigan says that it is crucial to not only have employees trained in "hard skills," but also in soft skills such as communication and punctuality that keep a company running smoothly.
While many companies may think of recycling as just a method to keep the environmentalists at bay, Haworth Inc. has found that, in fact, the practice pays off.


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Copyright © 1995 - 2018 Keyways, Inc. All Rights Reserved.
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The following electronic version is for informational purposes only.
The printed version remains the official version.
Monday, October 20, 2014
10 a.m.
(Afternoon sittings: Monday and Wednesday)
(Morning sittings: Tuesday and Thursday)
(30 minutes, afternoon sittings: Monday and Wednesday)
(30 minutes, morning sittings: Tuesday and Thursday)
(See Schedule A — Government Motions)
(See Schedule D — Private Members' Motions)
(See Schedule B)
(Mr. D. Routley adjourned the debate.)
(Monday morning only)
(See Schedule D)
Second Reading —
Bill (No. 1) intituled An Act to Ensure the Supremacy of Parliament, PRINTED. Hon. Minister of Justice.
Second Reading —
Bill (No. 3) intituled Canadian Pacific Railway (Stone and Timber) Settlement Act, PRINTED. Hon. Minister of Forests, Lands and Natural Resource Operations.
(See Schedule D)
Clerk of the Legislative Assembly
Copyright (c) Queen's Printer, Victoria, British Columbia, Canada


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Telling History: A Manual for Performers and Presenters of First-Person Narratives (American Association for State & Local History)By: Joyce M. Thierer (author)Paperback
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DescriptionTelling History is a manual for creating well-researched and engaging historical presentations. As museums and other informal learning institutions work to create new and appealing programs, many are turning to dramatic impersonations accompanied by informed discussions to educate their audiences. This book guides the performer through selecting characters, researching and writing scripts, performing for various kinds of audiences, and turning performance into a business. For museums, historic sites, and community organizations, it offers advice on training and funding historical performers, as well as what to expect from professionals who perform at your site.
About AuthorJoyce M. Thierer is a founding partner of Ride into History, a historical performance touring troupe, and professor of history at Emporia State University.
ContentsChapter 1 Introduction: Read Before Dissembling Chapter 2 Chapter One: The Significance of Historical Performance Chapter 3 Chapter Two: How to Choose a Historic Figure to Portray Chapter 4 Chapter Three: Researching for a First Person Narrative Chapter 5 Chapter Four: Creating Your Script Chapter 6 Chapter Five: Telling History Chapter 7 Chapter Six: The Business of Doing Freelance Historical Performance Chapter 8 Chapter Seven: Enhancing Museums and Historic Sites with Historical Performance Chapter 9 Chapter Eight: Dreams and Plans Chapter 10 Appendices
Product Details
- publication date: 15/10/2009
- Format: Paperback
- Number Of Pages: 248
- weight: 399
Delivery Information
- Saver Delivery: Yes
- 1st Class Delivery: Yes
- Courier Delivery: Yes
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- 1 Prepare to transform alot of baby diapers!
- 2 Disposables
- 3 I can see there are advantages to both– exactly how do I choose in Big Flat Arkansas?
- 4 Diaper Materials
- 5 For ease-of-use as well as comfort, disposables are the way to go.
- 6 One last thing, are multiple-use nappies as much grunt work as they seem?
Prepare to transform alot of baby diapers!
Your package of joy will certainly need around 6000 nappy adjustments before finishing to undies. That's a great deal of dirty nappies as well as, depending on which ones you use, either a great deal of waste or a lot of washing!
There's the poo factor– that nappy has actually obtained ta be up to the job. Things we provide for love.
A stitch in time conserves 9 … minutes of sleep
Obtaining a nappy plan in position prior to infant goes along will certainly conserve you time, loan and also energy, and will certainly have a big impact on your environmental footprint. Having claimed that, it's never ever too late to switch over nappy teams or mix it up a little bit relying on your problem for the environment versus your concern for your sanity … as well as your requirement for sleep.
Firstly, allow's learn more about nappies.
Good ol' disposables. With actually just one design, they take in moisture rapidly to protect against leakages and also 'secure it in' to keep your bub reasonably dry; are simple and also quick to secure; keep closed during usage; and also fit different forms as well as dimensions.
Recyclable modern-day cloth nappies
Modern fabric nappies (MCNs) are becoming a lot more prominent and, to be clear, we're not talking the old terry-towelling squares. MCNs are the new whiz-bang variation showcasing a waterproof cover, watertight elasticised leg holes and also absorbent cushioning as well as lining.
The different styles
There are more than 200 brands– a lot of which are made by work-at-home mums who market them online on shops like Etsy.
All-in-ones have a moisture-resistant external layer sewn together with an absorbing inner to form the nappy– they can take a little while to dry.
All-in-twos, likewise called snap-in-ones, include a lined waterproof external layer and absorbent inner layers, which "snap in" with press studs. They could be taken apart for laundering, so they dry out faster compared to all-in-ones.
Pocket nappies have a water-proof external layer sewn together with a soft inner lining, which develops the covering. Between these 2 layers there's a pocket for the absorbent inserts. These are gotten rid of for washing then replaced, which can be a bit fiddly yet on the plus side they dry out promptly.
Old-fashioned terry-towelling square nappies are additionally still readily available. They can take a little technique to fold as well as fit right, but they are a more affordable multiple-use choice than MCNs, and modern bolts mean you do not also need to use safety and security pins.
I can see there are advantages to both– exactly how do I choose in Big Flat Arkansas?
There are a variety of considerations, so allow's have a look at them.
The in advance price of reusable nappies is fairly high, but in the long run it's possibly less expensive than disposables– lowering in expense exponentially with every child.
Cloth nappies do need a little bit much more job, as well as may be a discomfort when you're out. Just like a tired bub.
Good quality, well-fitting nappies– whether cloth or disposable– will keep infant completely dry, as well as will not trigger nappy breakout.
Ecological influence
Non reusable nappies actually do not have the best environment-friendly credibility, however there are alternatives to reduce their impact:
Some brands are biodegradable, though conditions in landfill make this destruction hard to happen.
Some have compostable or recyclable product packaging.
Acquiring locally-made nappies, rather than imported, saves money on transportation carbon expense.
Regardless of the environmental prices of material production as well as nappy laundering, fabric nappies that are dry-pailed and also mainly line-dried still appeared ahead of disposables.
Disposables come in various dimensions to fit your growing bundle-that's- now-turning-into-a-handful, and eventually you could relocate right into pull-up pants from a few of the same brand names.
MCNs are readily available in repaired dimensions, or a one-size-fits-most (OSFM), which has extra fastenings for changing the nappy as your child grows.
Fixed-size nappies indicates acquiring new collections as your child grows bigger, so it might cost even more. On the other hand, if you're having greater than one youngster, you'll utilize the grown out of ones once more.
You'll just need one collection of OSFM nappies, however their longer usage indicates more damage, and they could just last via one youngster's infancy.
Diaper Materials
The kind of material made use of affects drying out time. All-natural fibres usually take longer to dry compared to synthetics, and you'll want to make sure you have sufficient nappies to get with a few days of wet weather condition if you don't have a dryer.
Paper or material nappy linings make your laundry life much easier by keeping solids off the nappy. Flushable ones make clean-up a cinch!
The absorptive products (shell linings, pads as well as boosters) include bamboo, cotton, hemp or fleece, with breathable polyurethane laminated material (PUL) or lanolised woollen usually made use of for covers– if you're interested in that sort of point.
I want a decision– which nappy is ideal?
For ecological and monetary factors, you can not transcend MCNs.
For ease-of-use as well as comfort, disposables are the way to go.
Naturally it doesn't need to be one or the other: you could make use of cloth nappies in your home during the day, and also disposables when out as well as about, going away, at nights, at day care, and also during long periods of rainfall when you prefer to not use the dryer.
If you're not sure:
Get a solitary nappy of each type that piques your interest.
Some MCN business offer trial loads with samples of the various styles.
Work with a trial pack from a nappy collection, a service offered by nappy companies and area groups: look the internet for 'modern-day cloth nappy library' to find one near you.
How do I know I've selected the right nappy?
Whatever you have actually picked, here's the checklist for a great nappy:
No leaking around the legs.
No liquid leaking through the cover.
Not as well tight or also loose around hips and legs.
No rubbing or chafing from the nappy or bolts around the legs or hips.
Baby's skin feels fairly dry when the wet nappy is gotten rid of.
The nappy holds sufficient liquid to be useful (ie you do not have to transform too often).
Infant could relocate legs openly and also, at later stages, crawl and stroll without being bothered by the nappy.
One last thing, are multiple-use nappies as much grunt work as they seem?
There's a very easy five-step technique called dry pailing, which followers claim make light work of heavy soils.
Utilize flushable liners to catch solids.
Separate the components (cover as well as padding) of the damp nappies, or if they're all-in-ones miss ahead to step 3.
Wash in cool water if required.
Put them into a bucket with a lid.
Throw the load right into the washering each day.
Hopefully you now have a happy, dry baby as well as the only point you have to fret about is exactly how you'll find time to Instagram every moment!


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Michael De Lorenzo ------------------------------- www.delorenzodesign.com Reply MattInNH None 0 Points 2 Posts Re: What causes this? I eventually stumbled upon a blog post by developer Asaf Benyamin that set me on the right course. The top of tinyxml.h even has a simple g++ command line if you are are *nix and don't want to use a build system. AI learns how to craft crude crypto all by itself Verity Stob Three-commas Thiel expresses love for himself, Trump and downtrodden millionaires Birmingham sperm bank pulls plug after just a handful http://forumyaren.com/visual-studio/visual-studio-2010-sp1-error-643.php
XML Parsing Error: no element found Jun 30, 2006 11:59 AM|delorenzodesign|LINK I was hopeful that there would be a way to catch these types of errors during development as I've only Thanks to John Mackay at http://john.mackay.rosalilastudio.com for the TinyXML-2 logo! I'm writing an ISAPI to reroute XML file requests (from a SWF) to a different directory/file. more hot questions question feed about us tour help blog chat data legal privacy policy work here advertising info mobile contact us feedback Technology Life / Arts Culture / Recreation Science
Blogging right from Word2007 July 2008 M T W T F S S « Apr Aug » 123456 78910111213 14151617181920 21222324252627 28293031 .browser .Find() 2009 ?? more stack exchange communities company blog Stack Exchange Inbox Reputation and Badges sign up log in tour help Tour Start here for a quick overview of the site Help Center Detailed The following code prints out a trivially simple XML file without ever creating an XML document. The original TinyXML-1 has many contributors, who all deserve thanks in shaping what is a very successful library.
Dim ClearText as String = "fasfas8sdfgsf"Dim str As String = StandardEncryption(ClearText) ' str contains % str = Convert.ToBase64String(Encoding.Unicode.GetBytes(str)) ' Works Response.Redirect(String.Format("http://localhost/default.aspx?param={0}", str)) I replacedHttpUtility.UrlEncode() withConvert.ToBase64String() and it solved the problem. Thanks. –Y Chan Jan 14 '13 at 16:04 1 @YChan: Parse is a static method. XML Parsing Error: no element found RSS 18 replies Last post Jan 26, 2016 10:51 PM by Joey Black ‹ Previous Thread|Next Thread › Print Share Twitter Facebook Email Shortcuts Active Pragma 1591 Novel concept.
What's important to note is that OOXML documents are actually zip files, with all the goodies packed up in various XMLs like creamy filling. Our problem turns out to be an HttpHandler redirect loop cuasing the empty document to be returned. Chrome will lie to you about the line and column where the error is, so ignore that. https://gargmanoj.wordpress.com/2008/07/04/xml-documentation-parse-error-whitespace-is-not-allowed-at-this-location-xml-comment-will-be-ignored/ Entities TinyXML-2 recognizes the pre-defined "character entities", meaning special characters.
Any tool that calculates documentation coverage will always read 100%. Cs1591 Suppress XML Parsing Error: no element found Aug 01, 2006 03:16 PM|MattInNH|LINK I'm currently being frustrated by the same error - here's my story. What it does. Most importantly, Chrome will tell you what the offending tag is.
share|improve this answer answered Jan 11 '13 at 20:11 Den Delimarsky 13.8k33064 I had it, but it still doesn't have XDocument.Parse. –Y Chan Jan 11 '13 at 21:32 http://stackoverflow.com/questions/4304780/what-can-i-do-with-my-xml-documentation Member 11 Points 237 Posts Re: What causes this? Missing Xml Comment For Publicly Visible Type Or Member C# Related This entry was posted on July 4, 2008 at 6:43 am and is filed under ASP.Net, C#. Visual Studio 2015 Suppress Warning This documentation is archived and is not being maintained.
Subtracting empty set from another Why does WordPress use outdated jQuery v1.12.4? check over here XMLPrinter printer; doc.Print( &printer ); // printer.CStr() has a const char* to the XML Print without an XMLDocument When loading, an XML parser is very useful. My wife had this happen to her; here's how we solved it. Visual Studio will indent the XML you are pasting, flowing it over as many lines as is necessary rather than keeping it all on one line. Pragma Warning Disable C++
Thanks for the comments and articles you have curbed my frustrations. Simply Riddleculous Puzzler - which spacecraft(s) (actually) incorporated wooden structural elements? XML Parsing Error: no element found What causes this? his comment is here All strings are query and set as 'const char*'.
TinyXML-2 is designed to be easy and fast to learn. Visual Studio Suppress Warnings http://en.wikipedia.org/wiki/XML There are different ways to access and interact with XML data. Your problem has nothing to do with the contents of the XML document, or with serialization.
Today's issue was the latter. XML comment will be ignored. « Me Myself & C#[…]… Reply Blog Server said October 3, 2011 at 12:25 am Server… […]XML documentation parse error: Whitespace is not allowed at this The details of the license are at the top of every source file. Visual Studio Disable Warning Learning resources Microsoft Virtual Academy Channel 9 MSDN Magazine Community Forums Blogs Codeplex Support Self support Programs BizSpark (for startups) Microsoft Imagine (for students) United States (English) Newsletter Privacy & cookies
Which is the most acceptable numeral for 1980 to 1989? It all helps, and makes this project fun. Can Wealth be used as a guide to what things a PC could own at a given level? http://forumyaren.com/visual-studio/visual-studio-2010-error-404.php If I remove my ISAPI mapping the .XML extension it serves up the XML files fine.
No STL requirement. asked 5 years ago viewed 32162 times active 3 months ago Blog Stack Overflow Podcast #93 - A Very Spolsky Halloween Special Linked 17 VS2010: Autogenerated files and XML documentation 10 All-Star 70248 Points 10442 Posts Re: What causes this? Why is 10W resistor getting hot with only 6.5W running through it?
Your cache administrator is webmaster. Two you may have not set proper content type for response.


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Air Travel During First Trimester Of Pregnancy. Though safe, many women avoid travelling during their first trimester of pregnancy owing to nausea and fatigue that kicks in around 6 or 7 week.
There are a few myths about traveling during the third trimester.
"Is it Safe to Travel at 34 Weeks Pregnant?".
and Air Travel; Air Travel Tips for Pregnancy;
Feb 7, 2016.
This advice will help manage being pregnant AND having a young toddler, both at home and during travel.
Challenges: Despite being easier than the first or third trimester, I experienced some really weird random pains during the second trimester of both my pregnancies that my doctor explains is quite.
There is no evidence that flying will cause miscarriage, early labour or your waters to break. Anyone who flies is exposed to a slight increase in radiation. Occasional flights are not considered to present a risk to you or your baby. When is the safest time to fly during pregnancy? When you are pregnant, the safest time to fly is.
Aug 31, 2010.
Pregnant women who flip through travel brochures pondering a cruise or flight need to ask questions about medical care and restrictions. Most cruise lines will not allow women to travel in their third trimester, Dr. Hakakha noted. "Airlines will let pregnant women fly up to 36 weeks, which is four weeks before.
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Mar 1, 2018.
Khloe Kardashian has received backlash for flying to Tokyo in her third trimester.
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But air travel is not recommended after 36 wks," one fan wrote.
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American Pregnancy Association: First off, air travel is fine for.
The researchers studied 432 pregnant Polish women and found lower birth weights among babies of women who had.
Conclusion: Kardashian has been logging some serious third-trimester mileage.
"There is nothing inherently harmful about air travel" during late pregnancy, notes Dr. Keith Eddleman, director of obstetrics in the Department of.
Question: Lee Ann let me start by asking you if traveling during pregnancy is even safe.
In terms of comfort, the best time to travel is after your fourth month (when morning sickness is gone) and before your third trimester. However, I.
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Now a new study from the Harvard School of Public Health finds women exposed to high levels of fine particulate air pollution during pregnancy.
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Even if you're not showing and it's early days so you know you're safe to fly, it's not a bad thing to make the airline staff aware that you're pregnant.
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Flying in your third trimester.
Is it safe to travel by airplane during my first trimester?.
Air travel is very safe during pregnancy.
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Traveling When You Are Pregnant.
any trips during the third trimester of your pregnancy.
for traveling by air? Flying is usually a safe way to travel.
Read on to learn about the precautions you should take while travelling during third trimester so that you and your unborn child is safe.
Air Travel during Pregnancy
Health Care «Qsota»: In most cases flights do not have a negative impact on pregnancy if no chronic diseases and complications. Unfavorable time for travel is considered the first trimester, when the risk of miscarriage, and the third when there is an increased risk of placental abruption, preterm birth.
Many women prefer to avoid flying while pregnant during the first 12 weeks of pregnancy because of the nausea and exhaustion they might already be experiencing. Also, miscarriage is more likely during the first trimester, whether you are travelling or not, and once airborne, help will be limited if anything does happen.
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Tia Freeman, a 22-year-old U.S. Air Force senior airman.
when she was in her.
Women with uncomplicated pregnancies don't need to worry about occasional air travel.
time to fly is in the second trimester. According to the report, the most common obstetric emergencies occur in the first and third trimesters.
The safest time to travel is during your second trimester, according to ACOG. By your second trimester, your pregnancy is well-established and you'll probably be feeling your best. Most miscarriages occur during the first trimester, so it's generally unwise to travel then. The last trimester brings its own risks — like premature.
the third trimester of pregnancy is an.
permit you to travel by air until 32 to.
lying flat on their backs during the third trimester.
And during the pregnancy, the third trimester specifically was significantly associated with an increased risk. Little association was found between air pollution from larger-sized particles (PM10-2.5) and autism. "The evidence base for.
"Occasional air travel during pregnancy is generally considered safe in the absence of medical or obstetrical complications of.
During the second trimester,


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136km/h in a 100km/hr, possible win?
What sparked my interest is the following. In the officer's notes, he states "0620: Lidar Instruction by PC _______ - Lazer Atlanta - Speed Lazer". HOWEVER, in his following notes he states "0650: Genesis II Mobile Radar"
Now, I'm unsure of what this means, but regardless he specified two completely different makes. Does this mean he was taught on the Lazer Atlanta but used the Genesis?? I don't want to contact the officer and ask to specify because I want to use the element of surprise during the trial.
Thanks in advance!!
P.S. I'm attaching pics of this page in his notes.
His notes may indicate which device he used. If not, he'll mention it at trial. Again, you may want to ask why he used that device and not the other one. Is he sure he used that one? How is he sure? What notation did he make? Did he use that one exclusively that day even though he had both with him?
Finally, later in his notes, does he show that he completed a test at the end of his shift? If not, you can ask him whether his notes show an end-of-shift test. If not, you'll win. If so, you can raise the issue that the page was not disclosed and, therefore, the officer cannot use any information on it as evidence. I could be wrong on this one (and people are free to chime in), but lack of disclosure of the end-of-shift test, even if the officer claims to have done it, could also result in a win.
Decatur wrote:It appears that he simply tested two different speed measuring devices. One a laser and the other a moving radar.
Sorry I didn't specify that the blacked out name isn't his name. So it wouldn't be him testing this device.
Former Ontario Police Officer. Advice will become less relevant as the time goes by !
Very common actually to carry both lidar/radar especially if your job is traffic enforcement.argyll wrote:It's not uncommon to carry both devices. One is vehicle mounted and used while driving. The other is handheld and therefore used when parked.
If you have the disclosure perhaps post it on here we may be able to assist you in deciphering it .
Post Reply
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Migrating BB mail, apps from one BB to another
- OK, so...
I just dumped my first BB (a Curve) for a Bold. The email setup wizard wants me to create a BlackBerry email. But I already have one... however it doesnt even ask if I already have one. Just an option to create a new one.
And.... unless I'm doing something majorly wrong, here, I can't use the standard "Add Another Email Address" link to tap into my blackberry email.
(email@example.com, right?)
Since this is my first BB device switch to another BB, I went searching around here and I did find that we have to create new PINS each time. Sucks. But I am hoping we dont have to create new email addresses with each device too.
Also, since we're the red-headed step children using Macs, is there a way to transfer all my apps from the curve to the bold? PocketMac obviously can't and it doesnt appear Missing Sync can either. Please say I'm wrong.12-01-08 08:52 PMLike 0
- Hello,
This is my suggestion for getting over your syncing from one device to the next. Download the 30 day trial for either VMWare or Parallels for Mac. These programs all you to install Windows on your Mac. Then, download the latest BB Desktop manager and do the device switch through that.
I am not sure about your email problem. When I had to get a new Pearl because my old one broke, I had to call Sprint CS and they had to reactivate the new phone so I could get my emails sent to the new one.12-02-08 08:53 AMLike 0
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Migrating BB mail, apps from one BB to another