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To raise money for Cancer Research UK.
You might remember our charity Bake Sale last year that even had our CEO, Glen, rolling up his sleeves and putting his baking skills to the test.
The charity bake sale was in aid of Cancer Research UK, it was a really successful day and it was fantastic to see how generous and supportive everyone was, donating cakes and prizes, buying raffle tickets and of course, enjoying lots of cake!
Thanks to the generosity of the DriveWorks team and other attendees we raised a total of £364.86 which was doubled by DriveWorks, totaling an impressive £729.72!
We're really excited to be holding another charity bake sale again this year! Preparations are well underway, the DriveWorks team will be baking lots of delicious cakes and goodies to sell later this month and we've already had some great raffle prizes donated.
We can never rely on the Great British weather but we're all hoping we'll be able to enjoy our cakes in the sunshine!
We're very lucky that our office is in such a beautiful place and Howard and Wendy, the owners of Laskey Farm, will kindly be inviting DriveWorks Bake Sale attendees for tours of their beautiful gardens - as featured in Garden Magazine.
If you'd like to support the DriveWorks Charity bake sale you can donate by texting DWBS50 followed by £1/£3/£5 to 70070.
Keep checking back to see updates from the day and to find out if we manage to beat last year's total!

subset: commoncrawl


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The UVC specification covers webcams, digital camcorders, analog video converters, analog and digital television tuners, and still-image cameras that support video streaming for both video input and output. How is Squirrelflight related to Ashfur? As a general rule to live by, you should say NO loudly and clearly when someone asks or tells you When was George Bush first elected president? Why aren't all the questions answered? In this case a report to us is not necessary.
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The table below lists known UVC devices.
Tools to extract cwmera firmware from the MacOS X driver and load it into the device are available at http: Very few since the drones are a very. Extension units can be accessed directly or tevion web camera to V4L2 controls. If your camera is tevion web camera supported in the current release nor in current SVN trunk, it is possible that it is an old camera for which the original gPhoto driver has not been ported yet mostly due to lack of demand it is a new camera for which there is no support at all To report a not yet supported camera to the gphoto development team follow the tevion web camera below: Work in progress, patches are available.
For applications that don't use libv4l, try holding your computer upside-down. A spade, hoe, mattock, spading fork, trowel, dibble, cultivator, knife and a basket. Instructions tevion web camera install the latest uvcdynctrl tool are available from the QuickCam Team website. How is Squirrelflight related to Ashfur? See a problem on the site? More mostly outdated information can be found in the tevion web camera wiki. How tecion you list a business on Answers.
Which US president served 4 camdra in office? While the one listed in this table is UVC compatible, the other s might not be. Roosevelt was the US President from and died in office.
There are some very good reasons to sign tevion web camera on WikiAnswers: See the Linux UVC wiki for a workaround. Record the output of lsusb to get the USB ids.
Pocket Tunes NormSoft, Inc. How does Personal factor effecting managerial behavior? The reasons are tdvion that it either was inappropriate for younger tevion web camera or that it was adver We don't host free ads. Please note that PTP cameras will already work out of the box, including special vendor features if we already implemented them.
Linux UVC driver and tools
Norway is a great place to go skiing. This can sometime lead to the camera failing to be recognized by the kernel.
Standard V4L2 applications do not need to be upgraded. Why did my we picture get rejected tevion web camera Answers. This version of gphoto2 is using the following software versions and options: To report a not yet supported camera to the gphoto development team follow the instructions below: Record the output of gphoto2 –auto-detect to see if it is detected in a generic way, or by another name.
tevion web camera What is the name of the song I am looking for song I heard on the radio a long time ago I heard that song in but I the artist name and I don't remember the lyrics The one I remember is part o? Media Players that are supported by both libmtp and libgphoto2: What garden tool rhymes tevion web camera 'toe'? What part of the bible do bees like?
Linux UVC driver & tools
This include a V4L2 kernel device driver tevion web camera patches for user-space tools. How do you post a free ad on Tevion web camera. They talk a vendor-specific protocol with a vendor-provided Windows tevino, and trying to handle them with the UVC protocol results in low frame rate and corrupted frames in most resolutions.
There are always scenes cut from episodes. The repository archive can be downloaded here.


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Survey Monkey of Members' Needs
Posted 3 months ago by Mary Anderson
No comments yet.
Norberto Taban-ud 24 days ago
Thanks a lot for the survey. More power to our eChapter group.
Mary Anderson 19 days ago
:D Thank you! We're here to serve! MA
Only our followers can comment on this announcement.


text:
Design ebay site for educational DVD
Budget $2-30 USD / hour
I want a great design for an ebay page for an educational DVD. You will take my text and graphic ideas and produce the material or file ready to upload to ebay. Or better, you can upload it yourself.
If possible, a video would be a great asset to the page.
Sample pages I like:
<[url removed, login to view]>
<[url removed, login to view]>


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CIA (e)Bulletin/(e)Bulletin de l'ICA
Canadian Institute of Actuaries/Institut canadien des actuairesDecember 2017
President's Update
By Sharon Giffen, FCIA
Your Board met in late November to consider the business of the Institute. Overall, I am quite satisfied with the progress made by the 500+ volunteers and our Head Office staff towards achieving our strategic goals.
Governance Matters
Since our September meeting, work continued to develop recommendations for some changes regarding the Board's activities. Some recommendations require a membership vote to change the relevant bylaws. Consultation on these matters will start soon, after the closure of the consultation period on the changes to our CPD requirements.
On the CPD review, the Board heard a summary of the input received from members during the consultation period. The team will further consider such input; the final plan, along with its implementation requirements, will be presented for final approval to go to the membership for voting in June 2018.
Additionally, a further iteration of a revised CIA structure was presented to address issues raised during our initial targeted consultation. While no structure will be perfect, I believe that the iterative process we have been following is giving us a path to some significant improvements. Member consultation on this will commence in the new year.
Education Matters
The Board approved updates to the education syllabus. These will align the CIA with the International Actuarial Association's newly approved syllabus, and, importantly, bring knowledge of predictive analytics onto the education path for Canadian actuaries. Education and examinations offered by our partners are also updated to bring new skills to actuaries globally.
Implementation of the new Practice Education Course (PEC 2.0) continues. Implications of the changes are far-reaching, impacting our partners under mutual recognition agreements. The Head Office staff and the volunteer group responsible are working through all such impacts, so we can be sure that we are treating all candidates for membership equitably.
As research is a foundational purpose of the CIA, the Board has asked for greater insight into the work being done by our Research Executive Committee. With the hiring of Shlomit Jacobson as manager, research projects, increased rigour is being brought to the 18 projects currently underway. We received a first cut of reporting that includes status towards completion and the funding spent and committed. The Board asked for even more summary information—importantly, how these research projects support the CIA's strategic objectives and the value that is generated. More to come on this.
Actuarial Evidence – the Featured Practice Corner for November
The Board also heard a presentation from Jamie Jocsak about the actuarial evidence practice area. This area is not broadly understood; it currently has about 100 practitioners. Their clients are lawyers, but the actuary does not advocate for either side in a dispute. They act as experts and thus may opine upon certain matters in court. Jamie also described the current challenges to the practice area which include the following:
Despite these challenges, the practice area shows great promise for expansion. Actuaries have an excellent reputation in the Canadian court system, with our Standards of Practice and Rules of Conduct giving comfort to judges that an actuary can act with objectivity. The area also gives practitioners the ability to be their own boss, running an independent business, with freedom to manage work/life balance.
I think Jamie was recruiting!
Other Board Matters
The Board also received several reports and approved several items to keep the business of the Institute moving. These included quarterly financial statements, appointments, renewal of the graduate scholarship program, activities of the Global Risk Institute, and a report from the Practice Council on their strategic thinking for the future.
We also considered the operations report from the Executive Director, including a detailed report on the progress of the customer relationship management (CRM) system, which will significantly improve efficiency in the Head Office; like many large IT projects, it is behind schedule and a special committee of the Board is working with the staff to seek ways to facilitate delivery.
Finally, and importantly, we celebrated the retirement of our executive assistant, Shirley Ann Mahon, with a beautiful cake. We wish her every happiness in her new life . . . which she will start by spending several weeks in the Caribbean, out of the snow and cold of Ottawa.
Seasons Greetings!
I wish all the very best of the holiday season to each and every member of the CIA. Whether you celebrate with family or friends or by escaping to a faraway place (in the warmth), I hope everyone has the opportunity to recharge and come back to face the new year refreshed and rested. All the best of the season.
Sharon Giffen, FCIA, is President of the Canadian Institute of Actuaries.
Last month's (e)Bulletin had two errors in my update. First, Henri Boudreau of the Office of the Superintendent of Financial Institutions (OSFI) is not an actuary. Second, the other actuary at the breakfast was Ben Marshall, SOA's staff Fellow, Canadian membership; I omitted to mention that he was moderating the session. My apologies to both gentlemen.
Actuaries on the Move
Career developments
Karen Lockridge has been invited to join the Government of Canada's Expert Panel on Climate Change Adaptation and Resilience Results.
Industrial Alliance has appointed Denis Ricard as its chief operations officer.
Actuaries in the media
Sadiq Adatia and Jill Wagman were named two of Canada's influential thought leaders by Benefits Canada.
Doug Andrews, Gavin Benjamin, Rosalind Gilbert, and Bita Jenab were quoted in a Benefits Canada article on how Canada's retirement system can better address pension portability.
Jeffrey Baer's article on data crunching appeared in the October 2017 issue of Canadian Underwriter.
Catherine Jacques-Brissette was quoted in a Globe and Mail article on the role of actuaries in fighting climate change.
Dean Connor was quoted in an article about Sun Life studying whether credit scores could be useful in underwriting in The Insurance & Investment Journal.
Karen Lockridge was quoted in a story on environmental, social, and governance (ESG) integration in Benefits and Pensions Monitor.
Nazir Valani was quoted in an article in Investment Executive about insurers embracing new technologies.
Networking is a key part of any successful professional's career, and the CIA is offering you a fresh opportunity to inform your peers about your achievements and progress.
Our (e)Bulletin section, Actuaries on the Move, is a chance for you to publicize your new job, title, credentials, or other information. This is an opportunity to tell thousands of fellow actuarial professionals—whether they are ex-colleagues, former college friends, potential employers, future clients, etc.—about, for example:
Simply send an e-mail—one line of information can be enough, but feel free to add more if you so wish—to the CIA's English editor at firstname.lastname@example.com and we will aim to include it in the next issue of the (e)Bulletin.
For more news of CIA members and their activities, follow the CIA on Twitter.
Institute News
By Chris Fievoli, FCIA
The Canadian Institute of Actuaries is very pleased to announce that Jean-François Bégin, an assistant professor in the Department of Statistics and Actuarial Science at Simon Fraser University, will represent the CIA at the International Congress of Actuaries (ICA), June 3–8, 2018 in Berlin, as part of the ICA's Young Researchers Award Program.
The ICA is a quadrennial worldwide gathering of actuaries, featuring a week of seminars, lectures, and networking opportunities. The theme of next year's event is "Getting Closer". The ICA is expected to draw around 2,000 actuaries, academics, and representatives from the financial industry.
The ICA's Young Researchers Award Program includes events for academics at the start of their career who are focusing on actuarial research topics. Included in this is a research competition, whereby each actuarial organization has the opportunity to have someone represent them and present some of their work at the congress. Given the strong network of universities in Canada teaching actuarial science, the CIA initiated its own competition to select a representative, and to cover that person's costs to present the winning thesis or paper at the Congress.
Dr. Bégin's paper, "Credit and Systemic Risks in the Financial Services Sector: Evidence from the 2008 Global Crisis", was selected from six papers submitted as part of the CIA competition. The paper features the development of a portfolio credit risk model, and analyzes the credit risk of 35 financial firms, with a focus on 2005–2012. (Dr. Bégin's co-authors were Mathieu Boudreault, Delia Alexandra Doljanu, and Geneviève Gauthier.)
A selection committee of CIA members, academics, and CIA staff reviewed the papers and determined the winning entry.
We would like to congratulate Dr. Bégin on his achievement, and trust that he will enjoy his time in Berlin next June.
We encourage CIA members interested in attending or finding out more about the congress to visit the ICA website. Be sure to register soon—the first phase of early-bird rates ends on January 31, 2018.
Chris Fievoli, FCIA, is staff actuary, communications and public affairs, at the CIA Head Office.
By Bob Howard, FCIA
The CIA sponsors two studies of annuitant mortality experience, one individual ("IAMS") and one group ("GAMS"). (See CIA documents 217117 and 217047 for recent publications.) The individual study has been around since the 1980s, but the group study is fairly new, with data going back only to 2007. Both studies trap very similar information. All the annuities are insured by life companies. One might expect the experience to be fairly similar.
Comparing Experience
I measure experience by actual to expected (A/E) ratios. For the expected, I used CPM2014priv and MI-2017. (There are other good choices, but the comparisons would not show up much differently by any other choice.) I always measure A/E ratios weighted by annualized income rather than count in order to emphasize the financial impact. The amount of income for actual deaths is increased slightly to allow for incurred but not reported deaths; the adjustments are company specific.
In many cases, I show the standard deviation in the A/E ratio; the calculation is done on the expected and reflects the actual variation in amount for the annuities exposed. Differences in A/E ratio that are less than one standard deviation are unlikely to be significant, but differences of more than two are likely so.
I have restricted data to 2007–2014 because I have those years for both studies. I include only ages 60–95 because there is little exposure at younger ages, and the data are less reliable at older ages.
The overall experience is shown in table 1.
It seems reasonable to conclude that the experience for the group study is significantly higher than for the individual study because the difference in the A/E ratios is more than twice the sum of the standard deviations. But that would be a false conclusion.
The group data can be divided into two segments, one coming from defined benefit (DB) pension plans and the other from defined contribution (DC) pension plans or group registered retirement saving plans (RRSPs) ("non-DB").
The individual data can be divided into registered and non-registered annuities, and each of those divided again. The registered data is composed of RRSP data and registered pension plan (RPP) data. The non-registered annuities, less obviously, can be separated into refund and non-refund annuities. ("Refund" means that there are some guaranteed payments, usually a term certain; "non-refund" means that all payments are subject to survival of the annuitant(s).) The non-registered, refund segment is normally referred to simply as "refund"; the non-registered, non-refund segment as "non-refund" or "non-ref".
Table 2 shows the average size, standard deviation, and skewness of each of the six segments. It is surprising to note how close non-DB is to RRSP and DB to RPP. The two non-registered are quite different from the other segments, especially in standard deviation and skewness.
Now let's look at the overall results by segment (see table 3):
We see there is little difference between DB and non-DB, but there is a difference between RRSP and RPP which is moderately significant for males and more significant for females. The difference between non-DB and RRSP and between DB and RPP is not strongly significant.
It seems that the difference between group and individual that we noticed in table 1 is accounted for almost entirely by the difference between registered and non-registered.
Let's look more closely at the registered segments of group and individual.
Figures 1–4 compare the experience by quinquennial age groups for two segments, one from the group study and one from the individual study. The tick marks represent one standard deviation above or below the mean shown by the line. The tick marks have the same shape and colour as the lines with which they are associated.
Figures 1 and 2 compare non-DB and RRSP for males and for females. In both cases, the blue line (non-DB) is generally higher than the pink line (RRSP), but the two are close together, and for several age groups the ranges of +/- one standard deviation from the mean overlap with each other. It may be that when we have more data we will be able to conclude that experience for RRSP is lower than for non-DB, but for now we cannot make that statement with confidence.
Figures 3 and 4 compare DB and RPP for males and for females. The two lines are very similar for males. RPP is generally higher for females; there is considerable overlap at one standard deviation. There is no evidence to support a different mortality basis for these two segments.
In comparing all four figures, it seems clear that non-DB and DB are very close together, but there seems to be a persistent difference between RRSP and RPP for both males and females. The difference seems to be less at higher ages. It might be reasonable to conclude that there is more self-selection with RRSP than with the other segments.
Size Adjustments
There is another factor at play which seems even more important than segment.
Figures 5 and 6 show the A/E ratios for the registered segments by size band. The bands are in increments of $6,000 of annualized income; the tick marks on the lines are at the location of the lower limit of each band. The highest band is for $72,000+. It is remarkable how nearly parallel the four lines are until the band $42,000–$48,000. There are not much data in each of the higher bands.
It has been observed for decades that A/E ratios tend to be lower for higher amounts. The first instance that anyone sought to quantify the impact, that I am aware of, is the CPM study. That study published a set of size adjustment factors to go along with each of the mortality tables. There were many objections raised to the use of size adjustments, such as that an individual might have a small pension from one employer and a large one from another, but that individual would have the same mortality for both pensions. The objections all seem plausible, but nonetheless the factors were a strong feature of the data.
What would happen if the size adjustments for CPM2014priv were applied to the GAMS and IAMS data? Figures 7 and 8 show the result.
Personally, I find these graphs to be startling. There is a very strong horizontal trend at least to $36,000–$42,000, especially for males. That implies that size adjustment factors developed from uninsured DB pensions work well for insured pensions and for individual registered annuities. There would be very little overlap of data between GAMS and IAMS and the data underlying the CPM tables, but a very similar pattern by size emerges from all three.
Could size adjustments explain the large difference between registered and non-registered? Figures 9 and 10 show non-registered refund for males and females, both with size adjustments. The tick marks represent one standard deviation above and below the A/E ratio.
Clearly the trend is not horizontal. There is a distinct downward trend. That implies that the improvement in mortality by size is greater for refund than for the registered segments.
Figures 11 and 12 are comparable to figures 9 and 10 but for non-registered non-refund.
The downward trend is very strong for both males and females. The A/E ratios for the largest amount band are about half (and this is after size adjustment) of what we saw for registered, and the standard deviations are small enough that we can attach a high degree of significance to the lower A/E ratios. It is very likely that this segment includes a significant number of back-to-back annuities. (These are annuities sold in conjunction with large life insurance policies, typically guaranteed T100, that would have been medically underwritten. The annuities are intended to pay the premiums. There is no need for a refund provision because the focus in on the life insurance rather than on the annuity. Accordingly, the mortality experience will be much lower than normally anticipated for annuities.)
It is likely that we are seeing the impact of heterogeneity in the non-registered segments. Some annuities are purchased independently of any life insurance, with the focus on income and with limited self-selection. Other annuities are purchased in conjunction with life insurance, and have the advantage of insurance underwriting. The latter likely predominate for larger non-refund annuities, the former for smaller annuities. The latter are likely present in the refund segment with much lower prevalence than in non-refund.
Segment matters, particularly between registered and non-registered. There seems to be sufficient justification for a difference in the pricing tables between these two.
Size matters even more. It seems very clear that there is justification for using lower mortality for larger amounts. However, I know that it may be difficult to implement a higher price for large amounts because there would be an incentive to split the funds across three or four annuities, provided that the competition between insurers is tight enough. If some insurers made a distinction in price, the largest single premiums would go to those who hadn't made a distinction. Would the first group be willing to give up some market share to get better profit margins? This could be a developing area for pricing strategy.
Bob Howard, FCIA, is a consulting actuary.
The CIA Head Office will be closed December 25 to January 1. The office will reopen on January 2, 2018. We wish all of our members a happy holiday.
Events News
By Matthieu Landry
From January 5–7, 2018, the Canadian Institute of Actuaries (CIA) kick-starts the new year by supporting future actuaries at the annual Actuarial Students' National Association (ASNA) convention, taking place for the first time in the heart of Ottawa at the Westin Hotel.
As a grand patron sponsor, the Institute will continue to contribute significantly at the convention. The CIA career lounge and professional panels will welcome over 600 aspiring actuarial students to network with actuaries and academics from across the country. Professional headshots, courtesy of the CIA—a big hit at last year's convention—will be on offer.
The CIA will also host its annual gala on the evening of Saturday, January 6, where CIA President-elect John Dark will speak on the growth and importance of the actuarial profession in Canada.
CIA's Hot Seat Challenge—Putting the Spotlight on the Student
The CIA Hot Seat Challenge gives students the opportunity to share the stage with the CIA at the convention as a guest panellist. Open to CIANetwork (CIAnet) subscribers, those selected will be able to present their vision for the future of the profession and how together they can break the paradigm and forge into new areas of practice.
Students will also exercise their communication and presentation skills by contributing to the discussion, and will earn the opportunity to be featured on the CIA website as an actuarial professional of the future—a great way to get noticed by potential employers!
To participate in the hot seat challenge, students must be registered for the convention. No advance contest entry is required.
Matthieu Landry is senior coordinator, marketing, at the CIA Head Office.
By Matthieu Landry
In a new format this year, the Pension and Investment Seminars—usually a two-day event, were combined into a one-day event—held on November 7 in Toronto highlighted current and upcoming challenges facing actuaries and their stakeholders. Both seminars offered leading-edge content, quality continuing professional development, and networking opportunities.
The Future of Public Pension Plans
Public pension plans was the key topic at the Pension Seminar, offering members a chance to provide feedback that will help develop the forthcoming CIA public statement on public pension plans.
"The Notice of Intent on [the] CIA Public Statement on Public Pension Plans was an interactive session that allowed our members to collectively discuss important topics on the future of public pension plans," says Joseph Gabriel, staff actuary, education. "The session underlined key challenges facing public pension plans and their stakeholders. Pivotal issues such as retirement age and the future working lifetime of Canadians were discussed. Ultimately, this will help the CIA develop its forthcoming public statement on public pension plans."
Other current issues, such as solvency reform in Ontario and increasing collaboration between pension legislators were presented. All these will be taken into consideration as the CIA moves forward with its mission of advancing actuarial science and its application for the well-being of society; in this particular case, making sure pension plans remain sustainable for both stakeholders and Canadians in general.
New Approaches for Investors
The Investment Seminar focused on contemporary topics, such as machine learning and big data, to help CIA members understand new tools stakeholders are using to assess and analyze markets.
"Machine Learning in Asset Management was a fascinating session that demonstrated the human element needed for this innovative process to work—in other words, that alpha won't be generated by machines," says Mr. Gabriel. "Of course, the session had a focus on big data as well, such as the customized, non-linear dynamic approach to investment.
"At the end of the day, many of our stakeholders are investors. Understanding what their needs are—and tools they are currently using and planning on using in the future is important to us as actuarial professionals," he said.
Why Are Fall Seminars Important?
Mr. Gabriel adds that fall seminars, indeed any CIA event, are important, as attending allows "members to keep abreast of the latest industry trends and topics, to get a better perspective of professionals who are not necessarily actuaries, and of course, to be better prepared at serving our stakeholders at the present time and in the future."
Matthieu Landry is senior coordinator, marketing, at the CIA Head Office.
Volunteers on the Move
The following people have been appointed to the council and committees named below:
The following person has completed his term with the committee named below, and leaves with thanks:
International Relations Council
The following people have been appointed to the committees named below:
The following person has completed her term with the committee named below, and leaves with thanks:
Practice Council
The following people have been appointed to the committees named below:
The following people have completed their term with the committees named below, and leave with thanks:
Education and Eligibility Council
The following people have been appointed to the committees named below:
The following people have completed their term with the committees named below, and leave with thanks:
Member Services Council
The following is the new mandate of the Research Executive Committee (REC) and its subcommittees (Experience Studies Subcommittee (ESRS) and Academic Research Subcommittee (ARS):
Project Oversight Group (POG)
Head Office Update
By Michel Simard
There is something unique and special about the Institute, something I think we tend to overlook at times because we often refer to it by its acronym, as simply the CIA. In our brevity, we forget that this is the one organization that unites all actuaries—regardless of practice area—who practice here in Canada. The Canadian Institute of Actuaries is the one place where Canadian actuaries come together, with their individual expertise and experience, and collaborate for the betterment of the public interest and the profession.
While we maintain our focus on serving the public interest, I am keenly aware of ongoing efforts to improve and enhance the CIA's governance, transparency, services, and communication with members. The CIA must continue to evolve and change to meet the needs of its members and continue to fulfil its mission and realize its vision.
As I look back on 2017, I see that once again it has been a busy year for the CIA—a year of change and progress as we moved forward on new and continuing projects. I would like to present just a few of them.
This year saw the approval of several ongoing CIA projects that improve the CIA's education and qualification system and advance actuarial education in Canada:
In May, the CIA signed a memorandum of understanding (MOU) with the Society of Actuaries providing for future collaboration and cooperation on the education of actuarial candidates. This agreement builds upon and extends the CIA and the SOA relationship of many years. As part of this ongoing agreement, CIA representatives or liaisons will work with the SOA on education strategy and on the development of curricula and exams for components of the SOA education system that are recognized by the CIA. Among other things, the MOU also calls for the establishment of a co-branding strategy to recognize the partnership more formally.
Continuing Professional Development (CPD)
CPD goes hand in hand with education. Throughout the year, the Institute's numerous seminars, webcasts, and workshops provided excellent opportunities for members to earn their CPD credits. We piloted new formats for our seminars, including half-day local events, and a live-streaming option to make these events more accessible to members.
The CIA commits 9.5 percent of net dues revenue to its research budget. This year saw the completion of a restructuring of the former Research Committee into the Research Executive Committee (REC). The REC's new structure is designed to help volunteers develop key partnerships to lead research relevant to the actuarial community and in support of general public issues, and to enhance the engagement of academics with related interests. In addition, the CIA hired Shlomit Jacobson as manager, research projects to facilitate the REC's work.
This year the CIA published five research papers, and has over 18 projects currently underway, many of which will be published in early 2018.
Member Engagement
As part of an initiative to improve member engagement and communication with members, the Institute conducted a series of focus groups to hear members' concerns about the Institute and the actuarial profession, and ways to enhance member experience.
We also held two Live Mic events: the first in Toronto, the second in Montréal. Held in relaxed, casual, restaurant venues, both events gave attendees the opportunity to interact directly with CIA leadership (President and Board members) to ask questions, voice concerns, and network with other members. We hope to hold more of these events in the future.
Public Outreach
The CIA made 16 submissions to government and regulatory organizations on a wide variety of topics, including the following:
The Institute, working with marketing agency Banfield, also developed two national advertising campaigns: Actuaries Point the Way, regarding the role actuaries can play with big data, and The Shape of Things to Come, as part of Canada 150, showing how actuaries contributed and continue to contribute to Canada's development.
On the Horizon
Looking towards 2018, I see more change for the Institute and Canadian actuaries. The publication of IFRS 17 has huge ramifications. The Actuarial Standards Board has been working to determine what changes to actuarial standards may be required as a result of IFRS 17. The Institute itself will work to provide French versions of the IFRS 17 documents, as well as webcasts and other opportunities for members to learn more about the impact of these accounting standards.
The ongoing review of CIA governance will continue, as the Board works towards implementing a new governance structure to help the Institute better fulfil its mandate, vision, and strategic plan.
The Institute is only as strong as its volunteers. We are incredibly grateful for the enormous amount of work our volunteers do to support the Institute and the future of the actuarial profession in Canada. A sincere thank you to those of you who have given of your time—your contribution is invaluable.
All the best for the holidays and a prosperous 2018!
Michel Simard is the CIA's Executive Director.


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The RSA Academy is an outstanding learning community, where all students make outstanding progress irrespective of their starting point. Learning is challenging, engaging, purposeful and innovative allowing for creativity, a sense of fulfilment and a desire to succeed.
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Religions in Practice : Approach to the Anthropology of Religion / Edition 3
Religions in Practice : Approach to the Anthropology of Religion / Edition 3 available in Paperback
Product Details
|Taylor & Francis
|Publication date:
|Edition description:
|Older Edition
|Product dimensions:
|6.90(w) x 9.00(h) x 0.60(d)
Table of Contents
1. Studying Religion Through Practice.
What is "Religion"?
An Anthropological Approach to Religion.
Practices, Contexts, Diversity.
2. Social Theory in the Anthropology of Religion.
Religion as Intellectual Activity.
Religions in Social Life.
The Psychology of Religion.
3. Ideas and Practices of "Religion" in Europe and Elsewhere.
Western Ideas of Religion.
Other Religions, Other Models.
Combining Religious Practices in Japan.
4. Ritual and the Shaping of Emotions.
Rites of Passage.
Initiation, Secrecy, and Fear.
Death Ritual and the Social Order.
Grief and Ritual Form.
5. Gender, Religion, and Ethnography.
Creating Gender through Ritual.
Reanalyses Through the Lens of Gender.
Articulating Women's Perspectives Through Spirits.
Religious Patriarchy and its Challenges.
Women and Islamic Dress.
6. Patterns, Powers, and the Self.
Magic, Patterns, and Causes.
Explaining Misfortune.
The New Age.
Wicca or Modern Witchcraft.
7. Healing Through Religion.
Prayer, Faith, and Healing.
Narratives and Pain Relief.
Trance, Possession and Healing.
Modern Magic in Japanese New Religions.
8. Sorcery, Witchcraft and Modernity.
La Sorcellerie in Cameroon.
Azande Oracles.
Sorcery and Modernity.
Witchcraft as Satan versus God.
9. Objects, Images, and Worship.
Conveying Meaning through Symbols.
Masks in West Africa.
Images and Offerings in Hinduism.
Relics and Images in Catholicism.
Mary and Marys in European Societies.
10. Crossing Cultural Boundaries.
Translating: Mary in the Americas.
Adapting: Islamic Sacrifice in New Cultures.
11. Sacred Speech and Divine Power.
The Qur'ân as Recitation of God's Speech.
The Creative Power of Navajo Speech and Song.
Speech and Grace in Protestant Churches.
Religion on the Web.
12. Pilgrimages and Places.
Centers and Directions.
Dimensions of Pilgrimage.
The Pilgrimage to Mecca.
Contrasts in Pilgrimage from Japan and India.
13. Saints, Visions, and Prophets.
Saints as Exemplars and as Source of Assistance.
Prophets and Social Change.
Revitalization Movements: Messiahs, Millennia, and Revivals.
Mormon Prophecy and Authority.
Muhammad and His Successors.
14. Religion, Violence, and War.
Cults, Sects, and Violence.
Struggle and Authority in Islam.
15. The Place of Religions in Modern Nation-States.
Religious Nationalisms.
Religion and State Law.
Religious Minorities and Public Religions.
Minority Religions in Europe: Toleration or Public Recognition?
Religion, Nation, and State in the United States.
Religion and Public Life.
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U.S. consumer prices rose slightly in July as gasoline and food prices increased marginally, but a solid gain in shelter costs suggested inflation pressures were stabilizing enough to support expectations of an interest rate hike this year.
The Labor Department said on Wednesday its Consumer Price Index edged up 0.1% last month after advancing 0.3% in June, marking the sixth straight month of increases. In the 12-months through July, the CPI climbed 0.2%.
It was the second month the annual CPI increased after plunging crude oil prices pushed it into negative terrain in January.
Signs of an ebb in the disinflationary trend, combined with a tightening labor market and strengthening housing sector could give the Federal Reserve confidence that inflation will eventually rise toward its 2% target.
The U.S. central is expected to raise its short-term interest rate next month. But given that inflation will likely remain tame because of a strong dollar, renewed weakness in oil and commodity prices, as well as China's devaluation of the yuan, the pace of monetary policy tightening is likely to begradual.
Economists polled by Reuters had forecast the CPI rising 0.2% from June and gaining 0.2% from a year ago.
The so-called core CPI, which strips out food and energy costs, ticked up 0.1 percent last month after rising 0.2 percent in June. Shelter, which recorded its biggest increase in nearly 8-1/2 years, was the main contributor to last month's rise in the core CPI. In the 12 months through July, the core CPI increased 1.8%. It was the fourth time in five months that the 12-month change was 1.8%.
Last month, gasoline prices rose 0.9% after rising 3.4% in June. Food prices gained 0.2%, slowing from a 0.3% increase in June as the impact of the bird flu on egg prices eases.
Egg prices rose only 3.3% after a June's 18.3% surge, which had been the biggest gain since August 1973. The index for shelter increased 0.4%, the largest increase since February 2007, after advancing 0.3% in June. Declining homeownership and a rental vacancy rate near a 22-year low is driving rents higher.
There were increases in the cost of medical care and apparel, which had declined for three straight months. However, airline fares fell 5.6%, the largest decline since December 1995. Prices for used cars and trucks and household furnishings and new motor vehicles fell.


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- beebee89
- 7 years ago
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bird themed with purple, green and cornflower blue. I really do not care that it is november 😛
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tell me about your november 1st wedding!


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The long-term monitoring of organophosphoric acid triesters started in 1976 in the Yodo River basin; Lake Biwa, Yodo River and the rivers in Osaka City. An extensive survey was also conducted in the Yamato River and Osaka Bay, Japan. This report presents the current levels and distributions of OPEs as well as the historical trend of TDCPP. Some or all of OPEs studied here have been detected in the entire water samples over the monitoring period. It was clear that OPEs were ubiquitous pollutants in the river and coastal waters. Total OPE levels ranged from 0.4 to 2.4 µgl−1 in the Yodo River basin, 2.4 to 12 µgl−1 in the rivers in Osaka City, 18 to 28 µgl−1 in the Yamato River basin and 0.1 to 1.3 µgl−1 in Osaka Bay. An apparent difference was found in the individual OPE level among the different water areas surveyed. In the Lake Biwa and the Yodo River, the predominant compound was TBXP followed by TCEP and TDCPP. The higher levels were observed for TBXP, TEP, TCPP and TCEP in the rivers in Osaka City. The highest TCPP level, which occupied more than 70% of OPEs' composition, was observed and the mean level reached to 13.1µgl−1 in the Yamato River. In Osaka Bay, 6 kinds of OPEs, except for TPP, TEHP and TCP, were found and the most prevalent compounds were TCEP and TBP. TDCPP had gradually increased in concentration in the Yodo River basin until 1987 from 1976 year by year. However, the reverse trend of TDCPP has been noticed during the last several years.
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Article Contents
Research Article|June 01 1992
Behavior of Organophosphoric Acid Triesters in Japanese Riverine and Coastal Environment
M. Fukushima
M. Fukushima
*Osaka City Institute of Public Health and Environmental Sciences, 8-34 Tohjo-cho, Tennoji-ku, Osaka 543, Japan
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S. Kawai
S. Kawai
**Department of Food and Nutrition, Kobe College, Okadayama 4-1, Nishinomiya 662, Japan
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Y. Yamaguchi
Y. Yamaguchi
*Osaka City Institute of Public Health and Environmental Sciences, 8-34 Tohjo-cho, Tennoji-ku, Osaka 543, Japan
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Water Sci Technol (1992) 25 (11): 278.
M. Fukushima, S. Kawai, Y. Yamaguchi; Behavior of Organophosphoric Acid Triesters in Japanese Riverine and Coastal Environment. Water Sci Technol 1 June 1992; 25 (11): 278. doi: https://doi.org/10.2166/wst.1992.0302
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Nainworks' "Ubiquitous Multimedia Informator" PMP Released
Recently we newly discover another marginally interesting device, with which you can fill up your RSS. It's developed by Nainworks and named "Ubiquitous Multimedia Informator". It's real, we are not kidding. This so calld Ubiquitous Multimedia Informator looks to be a fairly full featured DMB capable PMP, support all kinds of codec, TV-out, 5 hour battery life, and a 20GB hard drive. The screen is 4 inches with 480x272 resolution, so the image is good. But there is a characteristic, that you have to hook up an external antenna to catch TV on the go, because the DMB receiver isn't built in.
Anyway, the Ubiquitous Multimedia Informator is still a good portable media player with good appearance, though we're mainly just excited by the ad copy:"We sungiss which we do the environment setting up of English Hangul of language setting up and back of the ubdengitue UMI."
Oh it's so wonderful!
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20 Games Like Fisherman's Bait: A Bass Challenge()
NBA 2K celebrates 20 years of redefining what sports gaming can be, from best in class gameplay to ground breaking game modes and an immersive open-world "Neighborhood." NBA 2K19 continues to push limits as it brings gaming one step closer to real-life basketball excitement and culture.
Fishing Sim World
Fishing Sim World is set to be the most authentic fishing game ever, featuring realistic game physics, boat-fishing, intense multiplayer, live tournaments and accurate fish AI, reacting to everything from the water temperature to your choice of bait.
50 / 10002.5
Fisherman's Bait 2: Big Ol' Bass
Featuring more than fifteen different kinds of fish, twenty different fishing holes and lots of different lures, Fisherman's Bait 2: Big Ol' Bass is the PlayStation version of the popular Arcade game. Like the Little Max character from Mike Tyson's Punch Out, you are a transparent fisherman. You can go from "fishin' hole" to "fishin' hole" according to your preference. All of the spots are different in their variety of species. You also get to pick your own lure, ranging from poppers and worms to jerk bait. All lures produce different results, so choose wisely.
Choices for play include: the Beginner mode, where you are given a tutorial during which you're taught the rules of the game; Free Fishing mode, where you can just catch fish at your leisure; Tournament mode, where you must qualify at each of the three lakes to get to the main event; Versus Play, where you compete against another player; and World Monsters mode, where you fish for monster-sized fish through fake environments.
Big Ol' Bass supports vibration feedback, analog control, one block of memory and the SLUH-00063 special controller.
JB: The Super Bass
For some reason the Japanese love bass fishing games. This is one of them.
Umi Tsuri Mejin: Suzuki Hen
Umi Tsuri Mejin: Suzuki Hen is a Sports game, developed by A-Wave and published by Electronic Arts Victor, which was released in Japan in 1994.
Anglers Club: Ultimate Bass Fishing 3D
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Mark Davis' The Fishing Master
In Mark Davis' The Fishing Master, the player can take control of fishing legend Mark Davis and fish in five different lakes and even compete in a fishing tournament to win a trophy.
The gameplay is reminiscent of Super Black Bass. The player picks a location to fish using an overhead map where the player is then taken to a behind the person perspective to cast their reel. Once the player casts their line, the view will change to a split screen with the original view on the top with a underwater view on the bottom to view the bait and an approaching fish.
Black Bass: Lure Fishing
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Hooked! Real Motion Fishing
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Big Ol' Bass 2
Big Ol' Bass 2 is the third part in the Fisherman's Bait series. The game is known as Fisherman's Bait 3 in Europe and Exciting Bass 3 in Japan. Again there are more than fifteen different types of fish, twenty holes and many different lures. Even more exotic fictional fish make their way in the World Monster Fishing mode. The new Surival mode allows you to partake in a knock-out system. Two player splitscreen is supported against a friend or AI.
Umi no Nushi Tsuri
Umi no Nushi Tsuri is a Sports game, published by Pack-In-Video, which was released in Japan in 1996.
Lake Masters
A Japanese exclusive PlayStation fishing game.
Bass Landing
Designed for the armchair angler in mind, Bass Landing captures the essence of being on an actual lake and boat without the hassle of reaching into your tackle box and pulling back a handful of slime! There are five different lakes in all, ranging from the murky Lunker Lake to the mountainous clarity of Crystal Lake. Each contains natural and manmade hazards (branches, poles, rocks) and different kind of fish--depending on the kind of fish you want, choose your lake accordingly.
For instance, the Silver Carp can only be found in dark, murky lakes or swamps and the Spotted Bass resides in the chilly, colder water areas. While the name of the game is bass, there are 14 different types of fish including the small but feisty Blue Gill, massively dynamic Carp, and the multiplying Rainbow Trout.
In addition to his or her game, the armchair fisherman will need to know how his fishing rod works and what lures to use on the various fish. There are fifty different tools in all ranging from Spinner Bait to the MHB-665 Bait Rod--one will want to know the functions of each lure and rig and choose an appropriate rod for the type of fish being hunted.
Bass Strike
Experience the thrills and action of Bass fishing for the first time on the PlayStation 2 computer entertainment system. Continuing THQ's strong tradition of premiere B.A.S.S. Inc. licensed fishing games, Bass Strike brings the sport of fishing to life like never before.
Fishing Koushien
Fishing Koushien is a Sports game, developed by A-Wave and published by King Records, which was released in Japan in 1996.


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Congo Free State Essay
Belgian Colonializm in the Congo Free State Essay
1042 Words5 Pages
The violent and forced rule of the Congo is a horrific time in African history. The time period beginning with Henry Morton Stanley's first exploration to the Congo, and King Leopold's desire of this area, had been a nightmare for the people of the Congo. The civilizing mission to the Congo not only resulted in the killing of thousands of people but also the destruction of a culture. The two articles, 'Belgian Colonialism in the Congo', and the letter by George Washington Williams, are just two views from this time. Both articles depict very different opinions of what is going on in the Congo and also what should be allowed to go on there. These articles show the very different opinions of someone who has never gone and someone who has…show more content…
What trade was conducted between Europeans and African traders occurred on the coast? (Class notes). When King Leopold decided that he wanted the Congo he knew nothing of the land or the people there, and he did not wish to know. King Leopold relentlessly tried to gain control of this region for his own economic gain. In his Open letter in 1898 Leopold states that, ?I am pleased to think that our agents, nearly all of whom are volunteers drawn from the ranks of the Belgian army, have always present in their minds a strong sense of the career of honor in which they are engaged, and are animated with a pure feeling of patriotism, not sparing their own blood, they will the more spare the blood of the natives, who will see in them the all-powerful protectors of their lives and their property, benevolent teachers of whom they have so great a need? (article #1) This sentence directly states the idea of imperialist thinking. The idea that the people of the Congo are uncivilized and savage is the mindset of King Leopold during the time of Congo colonization. Leopold wishes to take the Congo solely for his own advancement. Allow he says that he wishes to civilize the people there, he does very little of that. The part in the letter where he says that it is better to spare their blood then your own is the way most of the people who went over to the Congo were thinking. A true imperialist idea, that the people there were no better then
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The Congo Free State Essay
Over the course of human history, many believe that the "Congo Free State", which lasted from the 1880s to the early 1900s, was one of the worst colonial states in the age of Imperialism and was one of the worst humanitarian disasters over time. Brutal methods of collecting rubber, which led to the deaths of countless Africans along with Europeans, as well as a lack of concern from the Belgian government aside from the King, combined to create the most potent example of the evils of colonialism in the late nineteenth and early twentieth century's. The Congo colonial experience, first as the Congo Free State then later as Belgian Congo, was harmful to that region of Africa both then and now because of the lack of Belgian and International attention on the colony except for short times, the widespread economic exploitation of the rubber resources of the region, and the brutal mistreatment and near-genocide of the Congolese by those in charge of rubber collecting.
While Leopold II, the King of Belgium, desperately wanted an overseas colony, The Belgian people did not share his enthusiasm; which created the feelings of neglect and apathy Belgium had towards Congo. The Congo Free State, established "in the margins of the Berlin Conference" in 1885, allowed Leopold to "gain international recognition of his possession" which he had begun to take control of since the 1870s. However, while Leopold was securing control of the Congo, the Belgian people were not interested in controlling colonies, as they believed that colonies "would merely soak up resources that would be better used for social purposes at home." Thus, the Belgian people decided to solve the problem of having an unwanted colony by separating the Belgian government from Congo colony. In the arrangement, "Leopold would act in two entirely separate capacities: In Belgium, he would rule as a Constitutional Monarch, while in the Congo, he would rule as an autocrat." Thus, the Congo Free State ended up being Leopold II's possession, and not a colony of Belgium. Since Belgium was not in direct control of the Congo colony, Leopold could and did act as he pleased in the region. However, Leopold soon ran out of money and borrowed heavily to cement his control over the Congo. Luckily, Rubber became a highly demanded resource, and the Congo had abundant rubber, which made the state economically viable. Unfortunately, due to the lack of colonists, Leopold ended up forcing Congolese to work to gather the rubber. International powers, specifically the U.S. and Britain, sent expeditions to the Congo to observe and report on the conditions there, as rumors abounded that Leopold was using particularly brutal methods, such as requiring soldiers to present severed hands to display an effective use of weaponry , to enforce rubber collection. Foreign visitors and inspectors, such as E.D. Morel, who determined that Congo was "being 'systematically robbed'," Roger Casement, whose trip to the interior of...
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Job Description
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- Microsoft Office Products
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- Visual Studio 2012, 2015 and .NET Framework 3.5/4.0 /4.5
- Windows Server 2008+
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- Unit Testing
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W. JamesAntle III, After yet another primary loss for Hillary Clinton — this one on Tuesday in West Virginia — Republican National Committee Chairman Reince Priebus decided to have a little fun at the Democratic frontrunner's expense. Sick Bern! And indeed, Clinton has lost an embarrassingly large number of times — Priebus is right, it's
Chuck Hagel
Miss. Senate candidate runs to 'save the republic'
Chris McDaniel comes from a small town, with a skyline of church steeples and a courthouse that overshadows a memorial to Confederate soldiers. It's where the tea party-backed U.S. Senate candidate grew up. Where he and his wife raise their two children. Where, for more than 30 years, he's spent most Sundays in the same
U.S. defense chief defends swap of Taliban for war prisoner
Defense Secretary Chuck Hagel on Wednesday defended the U.S. decision to trade five Taliban leaders at Guantanamo for war prisoner Bowe Bergdahl, insisting it was the right move but admitting failure to tell lawmakers hurt trust with Congress. Hagel told the House of Representatives Armed Services Committee the administration felt a growing sense of urgency
Directive outlines Obama's policy to use the military against citizens
Bill Gertz | Washington Times A 2010 Pentagon directive on military support to civilian authorities details what critics say is a troubling policy that envisions the Obama administration's potential use of military force against Americans. The directive contains noncontroversial provisions on support to civilian fire and emergency services, special events and the domestic use of the
Hagel to propose big cuts in Army in 2015 budget
Pentagon chief Chuck Hagel is recommending shrinking the Army to its smallest size since the buildup to U.S. involvement in World War II in an effort to balance postwar defense needs with budget realities, defense officials said Monday. Hagel is expected to announce that and other recommendations Monday in a speech at the Pentagon outlining


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Green Lazer
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CMR-206 Rail Master® Universal Green Laser SightPrice $229.00
…tabs allow the user to instantly activate or deactivate the laser. The human eye processes the color green more effectively than any other color, and Crimson Trace offers the brightest green laser allowed by law, (5mW peak, 515nm, Class 3R). The CMR-206 Rail Master boasts 2 hours of (constant)…
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LG-350G Green Lasergrips® are an enhanced laser sighting option for Smith & Wesson J-Frame (Round Butt) Revolvers offering excellent comfort for shooters. This model features a front laser activation button, and boasts over 2 hours of battery life from (4) 2016 Lithium batteries. User-installed in…
LG-469G Green Laserguard® for Springfield Armory XD-SPrice $309.00
The LG-469G Green Laserguard® is a compact green laser sight designed specifically for Springfield Armory's XD-S pistol. The laser sight attaches firmly around the trigger guard, and features Crimson Trace's famed Instinctive Activation™, which allows the laser to be activated by simply gripping the…
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About Green Lasers
Are green laser sights better? What is the advantage of green lasers. Here are the differences between red lasers and green lasers.
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We combined our red and green laser technology with a 100 Lumen LED White Light. Rail Master Pro provides quick target identification, accuracy and threat deterrence in a single compact package.
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Do Lasers Disappear On Certain Clothing Patterns?
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The World's first wireless laser sight and white light system, LiNQ™ combines a green laser sight and 300-Lumen LED white light with Instinctive Activation™ for AR-Type Modern Sporting Rifles. Utilizing a secure, individual connection, LiNQ offers complete wireless control of the laser and light…