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Beyond VaR: Methodologies to Determine the Health of a Portfolio
IN PRINT ARCHIVE CIR Winter 1999
|Beyond VaR: Methodologies to Determine the Health of a Portfolio
|"VaR is but a small component of a comprehensive risk management process"
|by Michael Durland, PhD
It was with some irony that the first Canadian Investment Review Risk Management Conference was held on the one-year anniversary of one of the most significant market crises of the century. On Aug 27, 1998, one year prior to the date of the conference, the TSE35 fell 7.4% and began a three-day sell off that totaled 11.5%. During that same three-day period the S&P500 lost 12.1% of its value and CBOE Volatility Index, a proxy for the market perception of implied option volatility, moved from 31% to 48%.
Despite unprecedented investment in sophisticated risk management systems, many hedge funds, investment dealers and commercial banks experienced extraordinary losses during that period. For example, Long Term Capital Management (LTCM) lost 44% of their capital in the month of August. Other financial institutions experienced similar losses. Table 1 presents the change in revenue from 2nd to 3rd quarter of 1998 for Long Term Capital Management, Salomon Smith Barney, J.P. Morgan and Merrill Lynch.
Table 1 illustrates the enormous magnitude of the losses experienced in the 3rd quarter of 1998. More shocking, however, is the size of the losses in comparison to the quantity of market risk on the books of these firms as indicated by their Value at Risk, or VaR statistics.
VaR is a widely applied measure of market risk. The VaR of a portfolio is the level of loss in market value that should not on average be exceeded with a given probability (typically 99%). In other words, the VaR is the dollar value loss that should not be exceeded 99% of the time.
LTCM put enormous reliance on VaR, as did other market participants. In fact, the Bank for International Settlements (BIS) requires that a version of VaR be used by all commercial banks to establish the amount of capital required to support their market risk taking operations. As a result of this requirement many commercial banks have made VaR the central component of their risk management system. In addition to commercial banks, investment dealers actively use VaR to measure, monitor and limit market risk taking.
LTCM and Merrill Lynch experienced losses approximately 40 times the size of their VaR, Salomon Smith Barney about 30 times their VaR and J.P. Morgan 25 times their VaR statistic. Table 1 reports the probability of incurring losses of this magnitude under the assumption that market returns follow a normal distribution.
The loss incurred by LTCM is statistically equivalent to consecutively flipping 768 heads in a fair coin toss, a feat that would take 4 hours and 16 minutes at a speed of 1 flip per 20 seconds. This can be contrasted to the experiment held during the conference in which approximately 40 participants each tossed a fair coin and recorded the number of consecutive heads. Of the of 40 participants, nobody tossed more than five consecutive heads, an outcome with a probability of approximately 3%, a total 150 times less than the 768 consecutive tosses implied by the LTCM 3rd quarter results.
In fact, these losses were less likely to occur, given their estimated VaR, than the probability of a chimpanzee sitting at a computer keyboard and randomly entering the following sequence of 64 key strokes: "there are three types of lies: lies, damn lies, and statistics"- an outcome that has a probability or likelihood of less than 1 in 1026.
There are four conclusions to be drawn from the trading results of these and other firms in 1998:
* The amount of market and credit risk on the balance sheet of these firms during the 3rd quarter of 1998 was significant.
* VaR did not provide an accurate measure of this market risk and of the potential losses for these firms.
* The investment made by these firms in risk management technology failed to prevent or control losses.
* The investment in risk management technology encouraged risk taking that was not properly measured or monitored and ultimately led to significant losses.Ironically, the root of the problem for these firms may have been the very VaR model that was designed to assist firms in avoiding the enormous losses they experienced in 1998. The problem is simple. The assumptions inherent in most VaR models are invalid in times of market crisis. More specifically:
* The assumption that returns follow a normal distribution does not properly reflect the probability of massive market moves, and
* The correlation among financial instruments that results in times of crisis in no way resemble the correlation among the same financial instruments that results in times of market calm.This, combined with the fact that the structural integrity of a portfolio is most tested in time of a crisis, implies that an overreliance on a VaR model as a risk management tool may lead to serious mis-specification of the risk inherent in a portfolio of risky assets. In fact, the firms listed in Table 1 had considerably more "Value at Risk" than indicated by their VaR model. The systematic under-estimation of VaR led to a substantial increase in the level of risk taking and ultimately to significant trading losses among hedge funds, investment dealers and commercial banks.
Risk Attribution
VaR is- an important statistic useful for summarizing certain properties of a portfolio, an important part of a comprehensive risk management system.
VaR is not- the only statistic required to summarize the properties of a portfolio, a substitute for a comprehensive risk management system.
Just as the medical profession does not rely solely on a single diagnostic such as body temperature to determine the health of human being, risk managers should not rely solely on VaR to determine the health of a portfolio of risky assets. Instead, risk managers should apply a variety of methods. Comprehensive risk management systems combine the use of statistical risk measures such as VaR with other techniques such as stress testing, scenario analysis and visualization.
There are two essential steps to determining the risk condition of a portfolio:
* The identification of the risk attributes and valuation attributes of the portfolio, and
* The quantification of the effect these risk attributes will have on the valuation attributes of the portfolio through summary statistics, scenario analysis and stress testing.Risk attribution is the process of identifying and quantifying the risk inherent in a transaction, portfolio or collection of portfolios. Generally the attributes of a transaction, portfolio or collection of portfolios are either risk attributes or valuation attributes.
Risk attributes are the variables that effect the valuation attributes of a transaction, portfolio or collection of portfolios. Interest rates, time to maturity, foreign exchange rates, implied volatility and inflation are examples of risk attributes.
Valuation attributes are the summary statistics that describe the valuation properties of a transaction, portfolio or collection of portfolios. Present value, expected value, VaR, cashflow, duration, convexity, carry and vega are examples of valuation attributes.
Once the risk attributes and valuation attributes are identified, scenario analysis and stress testing techniques are used to vary the risk attributes and study their effect on the valuation attributes. Risk attribution is similar to portfolio performance attribution with a simple distinction: performance attribution assigns past performance to risk attributes, whereas risk attribution assigns future risk to risk attributes. Risk attribution tests the effect risk attributes will have on future portfolio performance. The output of the stress test or scenario analysis is a large amount of data that must be evaluated. The most efficient approach to evaluating the data is through visualization. Using multi-dimensional visualization techniques risk managers can quickly assess the effect that certain risk attributes will have on the performance of their portfolio.
Risk attribution provides simple framework for analyzing the risk of a transaction or portfolio. To illustrate consider the following simple example.
Assume we have a fund with a simple 20-year liability. For years 1 through 10 the annual cashflow of our simple liability is $0. However, for years 11 through 20 the annual cashflow of our liability will be $5mm, indexed to the rate of inflation from the starting date of the liability to the cashflow date. To hedge this liability we form a portfolio of three hedge instruments: 1) a 10 year risk free par bond, 2) a 20 year risk free par bond and 3) a Real Return Bond paying a 4% coupon and maturing in 2021. The objective of the analysis is to determine whether a real return bond is a more effective hedge for an inflation indexed liability than a simple coupon bond.
There are two risk attributes that are important to analyze for this simple hedging problem: interest rates and inflation. Table 2 summarizes the sensitivities of the liabilities and hedge instruments to changes in the two risk attributes.
Obviously, the price of the coupon bonds is sensitive only to changes in interest rates and is not affected by changes in inflation. The liability and the RRB are affected by both interest rates and inflation. Notice that when both inflation and interest rates move together, the value of both the liability and the RRB are invariant to the changes.
Figure 1 provides visually the output of a scenario analysis of the residual risk for our liability hedged with only the 10-year and 20-year bonds. Interest rates and inflation rates were varied independently and the liability and hedge instruments revalued for each scenario. Notice that for changes in interest rates the hedge performs well, but for changes in the inflation rate the bonds provide no hedge at all.
Figure 2 provides visually the output of a scenario analysis of the residual risk for our liability hedged with the 10-year and 20-year bonds and the RRB. Again, interest rates and inflation rates were varied independently and the liability and hedge instruments revalued for each scenario. The hedge performs well for changes in both inflation and interest rates. Figure 3 overlays the bond only hedge and RRB hedge for comparison. For scenarios in which inflation and interest rates move in tandem (are positively correlated) the RRB hedge significantly outperforms the bond only hedge. Using very simple risk management techniques we have determined the usefulness of hedging inflation linked liabilities with real return bonds.
Michael Durland is deputy head of the capital markets group, Scotia Capital.


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Value Bomb: The True Value of an Ocean View
I get a lot of questions from buyers and sellers about what the true value of an ocean view and there is no one-size-fits-all answer. This is due to there being so many different types of ocean views. There's panoramic, sit-down, peek-a-boo, partial, combo…
The list goes on, but a good rule of thumb is if there are are two properties that are very similar to each other in proximity and condition and the only real difference between them is the fact that one has an expansive ocean view and one has no view at all, you can plan on about a 30% premium for the home with an ocean view.
For similar tips, tricks, and neighborhood explorations, check out our Videos. You can also check out Katrina's YouTube account for property walkthroughs and more.
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Snow and Ice Tour in Harbin
Tour date: New Year Holiday
This winter tour to Harbin is unique and interesting. Pastures, mountains and trees are covered by snow, a sea of whiteness. Local ice sculptures are another attraction. Skiing, ice-skating, visiting winter outdoor swimming offer special enjoyment.
Harbin is the native place of China ice and snow art. Ice and snow art show is held in January once a year, which creats an ice world of Harbin. Grand ice sculpture show in Harbin Ice and Snow World Park gathers together the essence of ice sculpture at home and abroad. Varieties of ice lanterns, ice and snow models, ice structures are multi-coloured and bring you into the fairyland of imagination. On the frozen snow-covered Songhua river, winter swimming contest which often surprises visitors, ice-boat sailing, sledding, snow sculpture on the Sun Island and the other activities will surely make you feel reluctant to leave.
Day 1: Arrive in Harbinfly from home cities to Harbin in the morning. Visit the Stalin park and different ice and snow activites on the Songhua river. Visit the ice lantern show in the Ice and Snow World in the evening. Overnight in Harbin
Day 2: HarbinVisit the st. Sophia Church, Central walking street, the Eastnorth and Siberian Tigers Base and the Ice and Snow Sculpture on Sun Island. Enjoy the Russian food at dinner at a famous Russian resturant. Overnight in Harbin
Day3:Fly to Home Cities


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Earlier this week we saw how owning a new car can cost close to $1,000 per month. That cost is part of the reasoning behind car sharing services such as ZipCar and ReachNow, which offer inexpensive and convenient short-term car rentals.
Car sharing can be a perfect money-saving solution for people in urban areas who don't need a car every day, but do require occasional personal transportation.
What about the other end of things, though? What about the guy or gal who did purchase that new car and is watching the costs pile up while the bank account slims down?
There's a new solution for those people, too, but it might be a good idea to resist temptation and avoid it, at least for now.


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Love this little info graphic on success. Essentially I believe there are two types of people. People that believe there is abundance And people that believe there is scarcity. I have worked for both and I most certainly learned about this from my father.
I am firmly in abundance. You need to give to get. Charity must be given, not taken. And be a good person. My motto "don't be evil" certainly fits the sentiment of this.


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Science Drives, Wellness Steers
By Alley Dezenhouse Kelner, MA
I'm Alley— a Toronto mom, therapist and business owner (Magnificent Minds Inc.) with roots in mental health, child development, applied behaviour analysis, and supporting parents as they strive for optimized wellness. I've got this behavioural and mental health hybrid life, and career, where science drives and wellness steers. I'm a hippy at heart and I totally own the chaos that is life with THREE *spirited* littles, a hectic-but amazing- job, and a "sign-me-up" attitude that sometimes gets me in over my head. The rest we'll have to uncover together! Subscribe so you never miss an update!
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January 13, 2019
Science Drives, Wellness Steers
By Alley Dezenhouse Kelner, MA
Jan 13, 2019
012: Ableism in Schools
This might be my most controversial episode yet. We're digging into ableism in school; how to spot it, and how to stop it. I'll be the first to admit that this might ruffle a few feathers, but sometimes in order to do better we have to recognize our own missteps. I'll be honest and admit I've gone along with status quo before and thinking about that makes me uncomfortable. I'm checking my privilege, speaking candidly and from a place of compassion and committing to doing better. At the end of the day, what good is a platform if it's not used to talk about the hard stuff? Let's go there.
October 21, 2020
011: Support your kids as restrictions start to ease- Covid-19 edition
Let's talk about what to expect as we move through phase 2 and phase 3 of reopening as we expand our bubbles and re-enter society adjusting to our new norms in post Covid times. What might our kids experience and how can we support them? Behaviour? Social skills? Communication? I'm discussing it all.
July 13, 2020
010: Anxiety, Covid-19 and Finding your Chill
2 things we all have in common: 1. We're in a global pandemic 2. We're anxious, our kids are anxious—we have no chill! I'm diving into what anxiety is like in quarantine, some surprising facts you didn't know about how your mind works and some proactive ways I've found to restore my chill.
May 12, 2020
009: Self-care during quarantine—happiness, gratitude and manifestation.
Cabin fever has set in, right? Kids are home, no end in sight—working from home—boss doesn't "get it", or you've been laid off—and you're juggling more than ever wearing too many hats for too low a pay bracket. How do we target self care when we simultaneously have nothing but time and no time to even pee alone? If you're like me, you're simultaneously bored of the ground-hog day like vibe and low key loving the slower pace. On top of that, my patience have all but run out—you? So, I've turned to my self care habits and turns out they kind of suck. So, I did a deep dive. Happiness, gratitude and manifestation through a scientific lens will completely blow your mind and raise your level of self care. A parent engaging in self care is an all around more balance parent (and human)—so let's go there!
April 23, 2020
008: Bribery vs. Reinforcement and How to Own Parenting
So... bribery and reinforcement are basically the same thing right? WRONG! Like, really, really wrong. But don't worry...I got you. By the end of this episode you'll be schooling your friends in the ins and outs of effective reinforcement strategies, and owning the parenting game (ok, ok, you'll be a good 5 steps ahead of where you were before you listened to this episode, that I can guarantee). We'll keep it light, and get just deep enough to make sure you're 5 steps ahead of your spirited little one, and I mean--learning how to shape the right behaviour in your partner (or ahem mother in law) wouldn't be the worst thing ever, would it? The thing about parenting is that it's ALL about setting up the right contingencies; the contingencies that reinforce the stuff you want to see more of (think: sharing, cleaning up, being independent, being a respectful human...you get the idea). Equally important is not setting up contingencies that reinforce the stuff you'd rather disappear (think: nose picking, back-talk, total and outright refusal to eat broccoli, never cleaning up your toys....you get the idea). But how? Again, I got you! If you're ready to level up your parenting game, this is your starting point. Full disclosure--this episode is really informal and I find myself speaking to you like I'd speak to my best friend (#nonewfriends). I use some language that might be triggering to you if you think the word "crazy" is offensive. I don't love the word myself, but I use it in this episode because I'm being nonchalant, conversational and frankly I took my filter off (whoops). So, if that's going to offend you simply skip on to the next where I promise to try and be more politically correct. And if not--even better, press play!
October 23, 2019
007: Grief and Parenting Kiddos with Complex Needs
Grief though. Maybe it's the hormones (baby #3 on board) but I won't lie, this one got me right in the feels. The love a parent feels for their kiddo(s) is unlike anything else; it's truly unparalleled. If you know, you know. I'll save you the banter, the hashtags and the cultural references on this one and dive right into this: The most important take away from this episode is that the grief, or the grief-like feelings that you are experiencing in parenting your amazing, but complex, kiddos--is more common than you'd think. Know too, that resilience, empowerment and trust in the process comes from increased self-awareness and from being comfortable enough to acknowledge where you are right now, in this moment, in your process of accepting your reality. The road is long, but the journey is worth it; and obviously, you don't have to walk it alone.
October 2, 2019
006: Tantrum or Meltdown?
Kids don't tantrum because they want to be a jerks; they tantrum because they are trying to figure out how to best communicate their needs and wants. As parents, we can either extinguish or fuel the tantrum fire. Did you know that tantrums and meltdowns serve very different purposes? When it comes to our kids, our husbands, or our bosses, there's one thing to remember: all behaviour communicates. As parents, part of our job is to figure out "why do you DO that?" When it comes to big behaviours that cause us to stay awake too late into the night and rehash every little parenting move you made, every behaviour your kid had, every perceived #momfail we're dealing with overwhelming doubt about how we navigated our biggest obstacles. When we understand why our kids behave the way they do, we can actually regain our control, or at the very least, confidently navigate those big and often challenging parenting situations. You can't win 'em all, but you can make a meaningful impact on shaping the right behaviour; the behaviour that yields confident, resilient and empowered kids.
June 10, 2019
005: Picky Eaters--What Gives?!
Meal times are the WORST! Agree? It's one thing to be lactose-intolerant, it's completely another to be new-food-intollerant. If your kid is picky, you've had your share of food battles; you've probably also had your share of peas thrown at your face, kale on the floor, and maybe even--pizza on the window? I remember the first time I took my kid to a restaurant; I looked at the "kid-menu" and thought--damn it, she won't eat ANY of this. So she ate bread. Just bread. Not ideal. After that, I got really used to packing a lunch bag wherever we went--but honestly, that was exhausting and not practical! So I turned to my clinical experience in food exposure, and went to work on my own kids. I'm sharing my struggles, my strategies and my tips for navigating BOTH food refusal and general meal time chaos.
April 16, 2019
004: Parenting is hard; like, really, really hard!
Parenting is hard! Like really, really hard. If you don't prioritize your wellness as a parent, you'll spiral into burn out, and the burden of day-to-day life will only increase as your burn-out gets more intense. Optimizing wellness, for you as a parent, is one of the most vital things you can do FOR YOUR KIDS. Let's talk about some signs of parent burn out, some strategies for overcoming the rough days, and some ways to develop your self-awareness. Let's talk about how good you are at talking your kids off a ledge, and how bad you are (sometimes) at talking yourself off the same ledge. We've all been there; let's not act like we're picture perfect parents with our shit together. The struggle is real; but we're ALL from the hood (parentHOOD). Parenting is messy and like a Picasso painting, that can be beautiful too. Let's get real about our struggles so we can suck every last drop out of these chaotic, unpredictable, and absolutely all-encompassing and awe-inspiring childhood years. "They" say, the days are long, but the years are short--let's try to keep our eye on the prize, right? The first step is putting yourself first, for 35 short minutes, and it starts now!
April 2, 2019
003: Does Birth Order Impact Parenting Style?
What are your thoughts on birth order: fact or fiction? Early on in my research, and career, I found myself wondering how, or if, birth order was a real "thing" or a hypothetical construct. I found myself wondering if we are "who we are" as individuals, because it's our innate nature (destined to be this way), or because we're nurtured into taking on character traits (a more "product of my environment" kind of thing). Spoiler: I am totally into the idea that we can create our own destiny which means, by extension, I am all about nurture over nature. Fast forward a few years and I'm a parent, and a therapist, who spends a lot of time talking to parents about their family dynamics; here I am finding a whole new appreciate and renewed interest in how (and if) birth order effects us in our pursuit of purposeful parenting. Does birth order (ours and our kids') impact our parenting style or is this just a fairy tale?
March 11, 2019
BONUS: Mental health and ABA overlap. Part 1: Pre-OAP reform
In this episode we discuss the importance of recognizing the meeting point of mental health services and ABA services in an autism population. We review the political history in Ontario leading up to the funding model pre Feb. 6 2019 and set the tone of Part 2 of this episode, scheduled to launch in the next week, where we review the changes implemented by the PC government after Feb. 6 2019, and discuss the long term impact of these service reductions and cuts.
February 24, 2019
002: Emotionally Responsive Parenting
Have you ever seen a parent, out in the big wide world, who handles an epic kid meltdown with effortless grace and a gentle, but grounded approach? Well, that can totally be you! Armed with a few key strategies and an understanding of your own core values (and a dash of self-care to help keep you calm and collected in the face of external chaos) you will not only be ready to handle big emotions, but also understand how to get ahead of them by having a road map for navigating your way with confidence, and consistency. You'll understand your role in raising kids with emotional intelligence, effective coping skills and an understanding of the-order-of-things. Wondering where to begin? Press play!
January 26, 2019
001: Taking the Plunge- Toilet Training Basics
If you've got a spirited kiddo, a kiddo on the Autism spectrum, a kiddo with intellectual, developmental or behavioural needs and toilet training is on your radar, you've stumbled upon the right episode! If you've got a kiddo that isn't potty-trained, and you're SO DONE with diapers (like really, byeeee), you'll want to tune in! If you've tried other methods, and struggled; if you've been overwhelmed by the idea of taking the plunge (see what I did there?), then you'll want to grab a pen, maybe a mop, and pull up a chair. I'll walk you through transitioning from "toilet trained at school" to "toilet trained at home" without missing a beat. I've got 10+ years of experience supporting kiddos (and their parents) in their potty-training process in therapeutic, home and school based settings. I've seen my fair share of shit storms (literally and figuratively--no really I LOVE my job) and I've got some go to strategies to help optimize the outcome, maintain your sanity, and set your kiddo up for success.
January 14, 2019
January 13, 2019
January 13, 2019


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October 8, 2017
Hi everyone!
Another one of our Supper Clubs is coming up and the menu is below for you to peruse!
If you are interested in any of our future events, please get in touch, as the dates are selling out fast.
Aga & Lewis
September 11, 2017
Hello everyone
Looking out the window, I think we can safely say that the summer is over. Do not fear though - autumn and winter are my husband's most beloved culinary seasons, so you are in for a treat with our most recent supper club menu (see below).
As per ususal please arrive anytime after 7PM. We will be kicking off with some snacks around 7:30PM!
If you are interested in bo...
August 7, 2017
I hope you are all enjoying the wonderful Norfolk summer. We sure are! And to makes things better, our newest Supper Club is just around the corner.
For all those who booked, the menu is below. Don't worry, we are not spoiling the surprise! And as per usual, we will be offering our special cocktail on the night - a summery treat this time.
If you are interested in attending our...
June 9, 2017
Hi everyone
As per usual, please see below for the menu for this month's Supper Club. We hope you are all looking forward to it and we can't wait to host here you next week.
The upcoming Supper Club dates have filled up already, but do give us a call and we can advise you on future availability or add you to the waiting list!
Aga, Lewis and The Team
April 22, 2017
Hello everybody!
Thanks to everyone who attended our very first supper club on 29th March. It was a resounding success and we are proud to say we are completely fully booked for the next one, on the 3rd May, without having even announced the menu! As promised, I am posting the menu for all those who are joining us on the day. As usual, we are not giving much away - if you know us, you know...
March 10, 2017
Hi everybody!
Just a quick entry today to let you know we are featured in the KL Magazine Special Food Edition! We are in great company, alongside some fo the best restaurants in this lovely part of the country. Pick up a copy on your travels and give it a read... For now, you can find the article about us below!
Aga, Lewis & the Team
March 9, 2017
It is happening. Following the resounding success of the tasting menu we served on Valentine's Day, we decided to make it a regular occurrence and introduce our very own, very special Supper Club. The very first one will take place on Wednesday 29th of March!
The format is very simple - arrive at 7PM and grab a drink. Around 7:30PM we kick off with some snacks, followed by five delicious...
January 25, 2017
Celebrate Valentine's Day in style with a very special testing menu written especially for the occasion. And hurry - due to the size of our wee venue the availability is very limited!
Arrival: 7PM; Meal starts at 7:30PM
Price: £40 per person
January 19, 2017
Hi everybody
We hope the New Year has been kind to you so far! We are back from our winter break - reinvigorated and ready for new challenges. The Old Bank has been doing so brilliantly and we want to make sure it continues to do so!
Now it is time to expand on our ideas and live up to our eatery's huge potential - WATCH THIS SPACE! To start off with, we will boast a little and show off som...
Supper Club - October 2017
Supper Club - September 2017
Supper Club - August 2017
Supper Club - June 2017
Supper Club - 3rd May
The Old Bank in the KL Magazine Special Food Edition!
The Old Bank Supper Club
Valentine's Day at The Old Bank
The Old Bank in The Press
June 3, 2016


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Milton ArmsFitzwilliam Street,
(01226) 610910
Opening times: 12-11 Mon-Thu; 12-1am Fri & Sat; 12-11 Sun
Regular beers: True North Session Pale
See more about this pub on WhatPub, CAMRA's national pub guide.
Reopened in December 2018 following extensive refurbishment by new owners, True North Brew Co. Downstairs the left hand snug is thankfully unchanged while the main bar is cleverly divided by a low screen. Three new rooms have been created upstairs. The purpley-brown and cream colour scheme is very tasteful. At the time of writing, the kitchen was not fully operational and the menu is limited to a (good) selectiuon of pies, burgers, sandwiches and small plates plus fish & chips. As well as the real ales, several quality keg beers are offered plus some interesting stuff in can and bottle. The pub now is dog friendly. 10% discount for CAMRA members.


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Coronavirus causes an extended spring break
Kylie Finnegan // BHS Maroon Tribune // Berthoud, CO // 3.13.20 As Coronavirus aka COVID-19 rapidly spreads around Colorado, and the world, concerns from different school districts in the state continue to rise. Several different schools here in Colorado have cancelled and postponed classes. Schools such as CSU, CU, and multiple elementary, middle, and high schools have either moved their classes online or been released for an extended spring break. Break has already been extended by a week but if it is extended longer classes may be moved online. Several teachers here at Berthoud High have been preparing just in case classes have to be online after spring break ends. "A lot of my teachers today have sent out emails or talked to our classes about how online classes will work if school is cancelled further than two weeks after spring break." states Elizabeth Speer, a sophomore here at the high school. Students were told during their Thursday advisory classes that all of their belongings should be taken home with them during their time off so the school could be thoroughly cleaned. Most teachers have created shared drives or utilized apps such as "Remind" which will make it easy for students to get work done if a cancellation does occur. "I think that we should just be able to do online schooling if they are concerned because they already postponed our spring sports." says freshman Kayla Wiggins. CHSAA has released an official statement saying that all spring sports will be postponed until early April. Teachers here at BHS are mostly worried about what will happen if their classes are moved online as a precautionary measure due to the coronavirus. Nothing has officially happened yet, decisions can not be made until more information about the virus and how bad it is gets released.


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Ukraine is part of a wider US pattern
Am I the only one who smells a rat in the current events in Ukraine?
The opposition leader, Viktor Yushchenko, is sponsored by the US through the National Endowment for Democracy (NED), the Carnegie Endowment for peace and other groups whose only interest is in promoting "democracy". In November 2001 Yushchenko was given the red-carpet treatment by the Bush administration, paid for by NED and the Carnegie Endowment, including lunch with Zbigniew Brzezinski, the architect of the US efforts to draw the Soviet Union into invading Afghanistan in 1979.
In 2001 Yushchenko's cause was helped by Major Mykola Melnichenko who was involved in bugging the office of President Kuchma. Melnichenko managed to flee the country and received asylum in, yes, the US. Since the fall of the Berlin Wall a pattern is emerging in east European elections, as witnessed in Albania, Bulgaria, Georgia, etc. The US, through the NED and other groups, is throwing millions of US taxpayers' dollars at "pro-western" presidential candidates and funding civil unrest, strikes, and opposition newspapers. Why? Not because their man is more democratic or less corrupt. The only reason is to secure a favourable market for western investment and access to gas and oil.
When the election does not go the way of the US candidate, whether by fraud or the democratic will of the people, the US cries foul, and orchestrates the removal of the government.
Here is what will happen in Ukraine in the next few days or weeks. The protests (slavishly reported by our media) will grow and grow, general strikes will be called, the country will grind to a halt. The parliament will be surrounded and prevented from functioning. An emergency session will be called and the president will be forced to step down. Yushchenko will pronounce himself the rightfully elected leader and immediately the US will recognise the new government.
Another election outcome decided, the world's media will suddenly forget about corruption in Ukraine and the western mafia will ensure that the direction that the country takes will serve their interests irrespective of and almost certainly against the best interests of the Ukrainian electorate.
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Weekend Question 2: How About Some Truth in Packaging in Compromised News Reports?
That phrase explains why I believe dispatches from less-than-free countries would almost seem to need a qualifier. Allah explained on Wednesday, as he expressed exasperaton over Reuters' reporting from the Holocaust-denier conference in Tehran:
None of these places grant true press freedom. Reuters' reporters toe the tyrants' line, either because they're working for the tyrant or are under the tyrant's heel. Reuters' Western editors have to be aware of this, yet they do nothing about it. They publish the work of local stringers that amounts to official government (or insurgent, or Hezbollah) propaganda. We read such journalism coming from Iraq every day. When we challenge it, they sniff at us. But not at the crap their local stringers and scribes are doling out.
A prescription drug doesn't come without instructions for proper use. Why shouldn't news from less-than-free locations be handled similarly?
Would it be too difficult to point out, when it's the case, in reports from a given country that "Country X places severe restrictions on press freedoms and Reuters dispatches from there must be viewed in that light"? Or "Reuters reporters covering the terrorist insurgency were escorted the entire time they were present, and operated under severe restrictions relating to what they could report"? I believe it's irresponsible NOT to. If Country X or the terrorists doesn't like that qualifier, fine; Reuters leaves Country X or cuts off contact with the terrorists. How difficult is that?
Of course (!), I'm not proposing this as a requirement. But because viewers, listeners, and readers have been conditioned for decades to believe that news reports, even from totalitarian countries, are objective if delivered by a "mainstream source," I AM saying that to disabuse news users of that presumptive belief, professionally honest reports from such countries or in terrorists would routinely include such disclaimers.
They don't. Why not? In the case of the Middle East, this is probably one reason.


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Increased Intestinal Permeability, or "Leaky Gut," is the name for when the tight junctions in your gut lining break apart and allow all kinds of food particles and antigens to cross through, that are normally too big to cross through your gut lining.
Why You Should Care About This:
In hundreds of peer reviewed studies, Leaky Gut has been linked to Cancer, Chronic Systemic Inflammation on a cellular level, Crohn's Disease, development of Auto-Immune Diseases, Bowel and Intestinal Diseases, Parkinson's Disease, Constipation, Food Sensitivities/Allergies, SIBO, Acid Reflux, Bloating…the list goes on.
Over 70 million people in the United States have Gut/Digestion issues. These can range from:
-Bloating after you eat a meal (No, bloating is not normal. You're never supposed to feel bloated after you eat food.)
-Constipation (or alternating between diarrhea and constipation)
-Not going to the bathroom every day – yes you should go every single day.
-Ulcers or Gastritis
-Acid reflux / laryngopharyngeal reflux / GERD (all the same root cause)
-Excessive Belching after a meal
-Excessive Gas after you eat
-Small Intestinal Bacterial Overgrowth
-Food Sensitivites/Allergies
-Candida overgrowth or yeast infections
A lot of these gut issues that plague 70 million Americans seem to be similar to the issues that having Leaky Gut can cause. *BING* Lightbulb moment.
How The Immune System Works:
Oral tolerance is the state of local and systemic immune unresponsiveness to the foods you eat. Simply put, Oral Tolerance is like the super power your immune system has. This super power is to not react negatively react to what foods you put in your mouth.
When you have "lost" oral tolerance, this means that your immune system is severely dysregulated and you're reacting to everything you're eating. This can be evidenced by how many foods you react to on a food sensitivity test. If you react to almost everything, then the test is no longer a measure of what you can and can't eat – it is a measure of oral tolerance.
Regulatory T Cells are the cells that determine what foods you are going to react to or not. When these guys become dysregulated, they begin reacting to almost everything that you eat and this contributes to leaky gut, creates more allergies, auto-immune issues, rashes, asthma, and over all lowered immune function against viruses and bacteria.
What Can Trigger An Immune Response To A Food?
For your immune system to not react to a food/antigen, it must be broken down to less than 5,000 Daltons. (A Dalton is a specific kind of measurement, such as an inch or millimeter that we use to describe distance. A Dalton is a measurement of a particle size.)
So, your food must be broken down by Hydrochloric acid that is in your stomach, and it must be broken down less than 5,000 Daltons. If it is not broken down that small, your immune system will send out cells that tag this food you just ate as a foreign invader. And then other cells come out and destroy this invader – which creates a cascade of inflammation and immune activation. This also creates a memory for any time in the future that you eat this specific food, your immune system will go out and attack it again. While your immune system is busy fighting off these foods, this leaves an opening for viruses and bacteria to sneak through the gates and wreak havoc. Your immune system is so busy with the food that it doesn't see the viruses and bacteria as quickly. Boom, you get sick. You get cold sores often, you have a weaker functioning immune system.
How Can I Find Out If I Have Leaky Gut?
CyrexLabs.com – This Lab tests for antibodies to different parts of your intestinal barrier as well as the bacterial endotoxin that is only present IF you have leaky gut. If you have any of the follow markers present, it indicates the breakdown of a healthy intestinal barrier, which allow the penetration of large antigenic molecules to travel where they should not be.
A little more detail on the anatomy of your gut lining: The gut is comprised of "The Actomyosin Network" which is a complex protein that regulates intestinal barrier function by maintaining the plasticity of tight junctions.
Zonulin is a protein that regulates the permeability of the intestines.
Occludin is part of the main component of proteins that holds together the tight junctions of your gut lining.
The zonulin and occuludin are supposed to allow the tight junctions of your gut lining to open and close to allow things to pass through. But the problem is when the tight junctions are broken open and remain open constantly.
Lipopolysaccharides are large molecules found in gram-negative bacteria. These are endotoxins, and they can elicit a strong immune response. If these are present in your leaky gut test, this means that these endotoxins have infiltrated through the gut barrier and are now circulating in your body.
What If I Do This Test & I Have Leaky Gut?
Congratulations! You have identified the areas where you are "leaking" and now can pin point how to heal!
The #1 thing that you should do if you have leaky gut or any sort of GI/Neurological issues is……..GET OFF OF GLUTEN AND DAIRY. (See my previous post on how gluten & dairy can contribute to neurological disorders.)
The University of Maryland's Center for Celiac Research stated that "No one can properly digest gluten. We do not have the enzymes to break it down," "It all depends upon how well our intestinal walls close after we ingest it and how our immune system reacts to it." His concern is that the gluten protein, which is abundant in the endosperm of barley, rye, and wheat kernels, is setting off an aberrant immune response." http://skeptics.stackexchange.com/questions/14134/are-humans-incapable-of-digesting-gluten
#1 It is vitally important you clean up your diet when you are trying to heal leaky gut. When you eat foods that you are sensitive to, the tight junctions of your gut lining break apart within 5 minutes after exposure. Stick to it, and don't cheat, because you're just cheating yourself out of health. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2915475/
#2 Probiotics are essential to maintain a healthy gut microbiome. Everyone should be taking a probiotic – Ideally it should be one that is not cultured on Dairy. Kombucha is another source of probiotics, and any other fermented veggies.
#3 Prebiotics are the food for the probiotics.
#4 Aloe Vera. Aloe is extremely healing to your gut lining. It works instantly if you have a bout of acid reflux or gastritis. *Side note*: Acid reflux is caused because you do not have enough stomach acid to digest your foods – so your food is putrifying to digest itself. You actually need to take digestive enzymes, drink ACVinegar, Drink celery juice in the morning on an empty stomach to help rebuild your HCL. The stomach has an extremely acidic pH of 1-3. If you have reflux, your stomach is too alkaline.
I recommend Stockton Aloe 1 because it is organic, taken off of the leaf by hand instead of machine processed. When aloe is processed by machine it gets the skin in the mix and that is what can cause diarrhea.
#5 Collagen / Bone broth – Collagen hydrolysate is amazing for repairing mucosal linings, ligaments, tendons, hair, skin , nails. Also, bone broth is like liquid collagen. I recommend My Organic Juice to order the bone broth from. MOJ has the highest quality bones out there, grass fed and grass finished. www.myorganicjuice.com
#6 Have an Attitude of Gratitude – Feeling happy, having a feeling of gratitude can increase regulatory T cell function. The opposite effect happens for depressed people.
#7 Vagal Nerve stimulation – In the brain, the Vagus Nerve helps control anxiety and depression. In the gut, it increases stomach acidity, digestive juices and gut flow/motility.
– Gargling with water for 5 minutes every day. The vagus nerve activates the in the back of the throat that allows you to gargle. Gargling contracts these muscles, which activates the vaguest nerve and stimulates the GI tract.
– Stimulating your gag reflex with a tongue depressor. Start at the tip of your tongue and slowly inch the tongue depressor back towards your throat to facilitate a gag response.
#8 Vary Your Diet – Make sure you rotate your foods, meaning you do not eat the same thing every day. For example: if you eat eggs on Monday, you do not eat them again for 4 days later. Doing this will decrease your future development of more food sensitivities and allow your immune system to regulate its response to certain foods.
#9 Have Optimal Vitamin D Levels – In conventional medicine, the recommended vitamin D range is 20-50. In functional medicine, the range you want to be at for vitamin D is 70-80. Every cell in your body has receptors for vitamin D. Studies have shown that just by having adequate vitamin D levels you cut your risk for all kind of cancers by more than 50%. If you have an auto immune disease some functional medicine doctors could even recommend pushing your vitamin D levels a little greater than 80. Studies have also shown that having optimal levels of vitamin D make it easier for your body to shed fat. (Take 5,000 IUs per day, its a no brainer.)
Other Tests To Consider If You're Just Not Convinced:
Array 3 – Wheat/Gluten Proteome Reactivity & Autoimmunity
- This test all 23 proteins that the wheat protein is comprised of. Most doctors only test 3-4 of these to see if a person has antibodies or a sensitivity to wheat/gluten. If those come back negative, "you're fine." This is the true way to test for a gluten sensitivity.
Array 4 – Gluten-Associated Cross-Reactive Foods and Foods Sensitivity
- This tests all the foods and grains that commonly cross react with gluten. Meaning, they look similar to gluten to your immune system.
Array 10 – Multiple Food Immune Reactivity Screen
- This is the ultimate food sensitivity test. Almost all other food sensitivity tests out there test only raw food proteins. Aristo Vojdani, the most incredibly brilliant immunologist who developed this lab, has found that when foods are cooked, it changes the structure of food. He discovered that people can react to cooked and raw foods differently. This tests for sensitivity to the following foods cooked and raw: Dairy, Eggs, Grains, Beans, Nuts, Seeds, Fruits, Veggies, Fish, Seafood, Meats, Meat Glue, Herbs, Spices, Gums, Brewed Beverages and Additives.
You should check out their website and read about it for more information: www.cyrexlabs.com
All of the supplements for healing leaky gut are available at Dr. Jack's Wellness Center!


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Well, it happened. I'm not proud of it, still embarrassed of it, and it's shadowing my every move. I have been scarred forever. It was awful. It was hysterical. It happened. Everyone, I'd like to introduce you to Behemoth. This fine piece of machinery is as powerful as it is monstrous. We decided to leave … Continue reading 12.3.19 Cheaters for Everyone
Adventures for SunnyStrong
Proof of Life – Perthfecta Day 2
12.2.19 It's Tomorrow Here
My phone tells me it's Monday morning. My body is convinced it's still Friday and we didn't take a very large time machine around the world. All three of us were so nervous Friday that we were nearly manic. No one could articulate why we were so nervous, but once we got together at the … Continue reading 12.2.19 It's Tomorrow Here
11.29.19 This is for you, pALS
I've removed all the unnecessary hair, and what's remaining has been waxed, cut, and colored accordingly. My suitcase is bulging with who knows what, and I can already think of 5 things I'll have to get there. You'd think I'd be a pro by now, we'll see what happens. We are soon to board the … Continue reading 11.29.19 This is for you, pALS
It truly is a good thing that I married a golfer, even if I did have to have him imported. I love that it's something we both enjoy and that's never a shortage on charity tournaments. We learned that this tournament for We Will Cure ALS raised $70k for research. In the ten years since … Continue reading 11.1.19 FORE!
10.31.19 Temporary?
12 days later, I'm starting to think these temporary tattoos aren't so temporary - ooops! This is my souvenir from the FW ALS Walk on Saturday, Oct 19th. Cindy the great out did herself once again with team spirit and getting everyone decked out. Huge "Thank You" to Dan and Susan at PuckettPro for getting … Continue reading 10.31.19 Temporary?
10.30.19 Provision
Y'all, I'm going to be completely honest for a second. No sugar coating, no pretending, no nothing. Are you ready for this truth bomb? I have absolutely no idea what I'm doing. Like none. Zip. Zero. Nada. We're coming up on my 5 year anniversary of being diagnosed with a disease that was supposed to … Continue reading 10.30.19 Provision
I'm supposed to be in DC today. I'm supposed to be storming Capitol Hill. I'm supposed to be worn smooth out after a full day of legislative meetings. I'm supposed to be fighting for the ALS Community alongside other pALS. I've always had extreme FOMO - fear of missing out - and today I'm drowning … Continue reading 10.17.19 FOMO
10.15.19 Cowtown Affair Success
We met as a committee last week to wrap up the 2nd Annual Cowtown Affair that was held on 9.18.19 and learned that over $58k was raised at this year's event. That's double from last year. The event sold out, the Chicken Shit Bingo was a hit, and lots of love was poured over families … Continue reading 10.15.19 Cowtown Affair Success
10.14.19 Ready to Walk?
Team SunnyStrong is legit killing it. Saturday is going to be awesome, we're going to cause a ruckus and take a stand against ALS. If you ordered a shirt they will be at the walk - otherwise I'll mail out orders next week. Here are the details that you need to know for Saturday: … Continue reading 10.14.19 Ready to Walk?


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While portraying tormented chess prodigy Bobby Fischer, Tobey Maguire delivers a solid performance in Edward Zwick's effective, if conventional biopic, "Pawn Sacrifice." Choosing to focus mostly on Fischer's 1972 showdown against Soviet grandmaster Boris Spassky (a terrific Liev Schreiber), Zwick and screenwriter Steven Knight paint Fischer's early life in broad strokes. We get a CliffsNotes version of Fischer's childhood living with his mother (Robin Weigert), whose ties to the Communist party landed their family on an FBI watch list. Though their relationship is a complicated one, his mother recognizes Bobby's talent for chess and finds a teacher, Carmine Nigro (Conrad Pla), to nurture his gifts. Under his tutelage, Bobby rises through the world of competitive chess.
At a time when tensions between the United States and the Soviet Union are at an all-time high, Fischer became an unlikely hero for Americans looking to confirm their country's superiority during its war of perceptions. Competing against the seemingly unbeatable Russians, Bobby comes across as a poor, plucky kid from Brooklyn taking on the whole Soviet empire.
Everything builds up to the World Chess Championship in Reykjavík, Iceland, and Fischer's series of matches against the stoic Spassky. Along the way Bobby receives support from his handlers, including his lawyer and manager, Paul Marshall (Michael Stuhlbarg), and his coach, Bill Lombardy (Peter Sarsgaard, reliably great). Together, the two men are tasked with keeping him focused and on course. A former chess champ turned priest, Lombardy seems to have led an interesting enough life to be the subject of his own film. It's this section, in which Fischer struggles to overcome his mental state (and occasionally uses it to his advantage) that the film is at its taut, nail-biting best.
It'd be easy for any actor playing Fischer to focus on the more eccentric details. Fischer suffered from undiagnosed mental illness and at the height of his popularity, he grew increasingly delusional, demonstrating paranoid behavior and psychosis. He grows fixated on anti-communist and anti-Semitic conspiracy theories (the latter especially ironic considering the fact that Fischer was himself Jewish). Knight never attempts to explain the source of this behavior, though there is an interesting discussion between Marshall and Lombardy that tiptoes into a discussion about whether the obsessive nature of chess attracts those with mental illness, or causes it. It all seems like a license to overact, but for the most part Maguire underplays it, making us wonder what's going on in his head, a choice that's particularly effective during the tense chess matches late in the film.
Fischer is a compelling figure and his story is a fascinating one, though Zwick often seems determined to smother it with blunt, by-the-numbers filmmaking. Attempting to convey Fischer's erratic mindset, he resorts to shaky, handheld camera moves and often relies on montages of 16mm faux newsreel footage and obvious musical cues to function as transitions between the film's sections. Still, the film's depiction of an unusual time in history when the attentions of the entire world could be focused on the outcome of a chess match is never less than gripping.


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Falmouth: Criminal Harassment: Dismissed
By: Christopher Coughlin
Jul 1, 2015
Summary of Facts: After first hiring a lawyer who was unable to get the outcome our client needed, our client hired Attorney Coughlin to take over the matter. In this...
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Frédérique Lecerf is a French artist and performer whose works reflect her fascination with gold. Prized by civilisations for both its aesthetic qualities and its value, the search for gold has been an obsession for many, from an alchemist to a gold digger. Throughout the art history, the pricey material has been widely used, emphasizing what our societies value, from religion to capitalism and even sex. Exploring different media and wandering across disciplines, one of her main artistic focuses is summarized by the notion she introduced in 1998: the "Goldenizing". By adding gold to her work, she adds an extra layer of soul. She enriches or, more accurately, she "goldenizes". In her "golden dinner" performances, she covers dishes with 24 karat gold leaves, and invites the spectators-hosts to eat.
Her aim is to illustrate the transience of her art while questioning the artistic idea on turning shit into gold. She takes the reversed view, as indeed gold passes through a body and is eliminated as waste. Nothing remains the following day except the artistic experience.
In this act she highlights the use of this precious metal in contemporary art as well as the significance of the gold market. As variations where gold is repeated in an altered form, Lecerf's works involve a wide range of materials from enamelled porcelain to canvas by way of the neon lights, videos and installations.
Frédérique Lecerf studied at the Accademia di Belle Arti di Venezia and graduated from the Ecole Nationale Supérieure des Beaux-Arts of Paris and from the University Paris VIII. She has a doctorate in Arts and Arts Sciences from the Université de Lorraine. She has been involved in numerous schools of fine arts and as a curator she has organized numerous exhibitions. She is the author of "The gold variations in contemporary art", published in 2015.
Her works and performances have been exhibited worldwide both in art galleries and museums.
Group show
Editions Universitaires Européennes
Août, 2008
by Olivier Goetz


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Dear Woman: Please HIDE Your Real Self, They Won't Be Able To Handle It
Dear Woman: Please HIDE Your Real Self, They Won't Be Able To Handle It
Dear Woman,
You can go to any part of the world and be anything. Be a pole dancer, a belly dancer, an activist or just live a little; but don't you dare try to pull those stunts off in India.
Remember our "culture". We're a holy place, yoga originated here. No, not the one with sports bras and leggings sticking to your bum but the one in white uniform. In a society where men judge women, and women judge women judged by their men.
So in the end, if you're doing what you want and living the way you want to, remember: It's your fault. It's your fault that you were born here. It's your fault that your parents were born here. And it's definitely your fault that your parents' parents were born in this great country. Now you have to pay for your sins. Don't call that unfair, you had it coming.
If you want your voice to stand out in the largest democracy of the world, please grow a pair and a moustache. Don't fight like a girl. Because you'll lose. Male ego is a thing, and it's not just a thing here, it's currency. The strongest there is. And majority of our men and women love trading in it.
Why? Because it gives them power — to the men who can control women, and the women who can use men to control other women. So you see, don't cry foul, it's nothing personal. It's just patriarchy. A glorious phenomenon where a man feels the need to control a woman because he wants to be sure that when you give birth to a child, it's his. He can trust you with child-birth, but can he trust you with raising the child without his consent? No, honey he can't. And that's how patriarchy works. And it works bloody well.
Is it really that alarming to wake up to the news of Lipstick Under My Burkha being banned?
A country that has given a super duper hit like Highway, where a woman gets beaten up repeatedly by her kidnapper but still can't help falling in love with him, with a hidden secret that's her stockholm syndrome. A country that roots for a film like Angry Indian Goddesses with the most typical stories based on women-related issues. Now you expect it to celebrate the thought of real, stronger more complex women in their movies. Shame on you.
If we start seeing women as people, just like men, what then will happen to our power structure? In a country like this, you want to one day wake up and talk about real women with the real points of view? How dare you? How dare you stand out in an industry that runs on mediocrity?
Raise your voice, but please stay in your limits. Don't forget what gender you come from and what role you have to play. Being a martyr's daughter fighting for peace means nothing to a public that has been conditioned to outrage in life. And you dear woman, have been conditioned to care about your home, children and what comes out of your mouth.
Gurmehar Kaur and Alankrita Shrivastava are bad, bad women. One tried to change the way you look at our neighbouring country and another hurt some huge male egos. It's a big no-no to make 'lady-oriented' movies exhibiting a woman's need to pleasure herself is a whole different story. And a bigger no for a 20-something WOMAN calling a spade a spade with sensible arguments.
Bollywood has influenced many, many men in our country to pinch, eve tease other women who don't follow the 'status quo'. And sadly, many of the women from your sex too, will say it's your fault. That's the price you pay for challenging the status quo in this society. Men and women both suffer at the hands of a society that refuses to see them as cogs of the same wheel. The more masculine cogs we support, the more feminine cogs we crush. And now look at our great machinery, rusted on the inside out.
So don't try to fix it, you're not a goddess, you're a suppressed little cog. Stay there.
So let me put that straight into your head — the rules of how to live a problem free life here. Men can talk openly about cheating on their women or their one-night stands or their tinder dates, they are entitled. They are entitled to fantasize about other women while in bed with their partners and talk about it. You are not, you were never, but if you try to change the future for your daughter, you will be attacked. That's a given! Don't be so surprised. And don't cry foul. And definitely don't expect support from your fellow female counterparts.
This is your battle and yours alone. You were born to be submissive and if you try and take one step towards gender equality, you will be dragged by your hair, ten feet back.
Sleep with a man and don't call him the next day and pay for it. Date a man and don't fall in love, pay for it. Do nothing and a man still falls in love, pay for it. Say No to a man for marriage, pay for it. Beat a man in a debate, pay for it. Love a man, pay for it. Basically, pay for it. And don't expect your aunts, mothers and girlfriends to go dutch with you. This is your party, and patriarchy is here to make you pay.
So, stop it, stop dreaming for a brighter future. They cannot handle it. They can't handle your idea of independence, they can't handle your openness, they can't handle you being emotionally distant. They just can't handle the real you and that's the harsh truth of your existence. #PatriachyWins


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There's no denying that Google's search engine is pretty great. Ask a question, get an answer.
But Google has created an expectation that all search features should be easy to use and just as accurate. That's why it's really frustrating when you use the search function on a random website or in an app and you can't find what you're looking for.
That's where Algolia, a San Francisco-based startup, comes in. The company's sole focus is providing developers at companies like Amazon's Twitch and Twitter's Periscope with the tools they need to build their own first-class search features.
"Google kind of raised expectations for everyone," Algolia CEO and co-founder Nicolas Dessaigne told Business Insider. But that kind of experience is "impossible to deliver" for most programmers, because their resources are much more limited than those of the search giant. "That's where we help," he added.
Algolia is announcing on Thursday it's received an additional $US53 million in funding, led by returning investor Accel. All told, Algolia, which has 115 employees, has raised a little more than $US74 million.
The startup has 3,000 paying customers, according to Dessaigne. Some 65% of its revenue comes from larger business customers, with the rest from smaller, independent developers.
'A big advantage'
Algolia's tech wouldn't work to power a whole web search engine like Google or Microsoft Bing, because Algolia lacks those companies data and scale, noted Dessaigne.
But what the company can offer customers is a lot more flexibility than the big guys. Its search technology can be customised for particular sites. And Algolia customers can take its service and focus it specifically on what they need.
Because of that, "we have, actually, a big advantage," Dessaigne said.
Periscope uses Algolia's tech to show on a world map the location of every ongoing livestream video, giving it a more visual way to represent search results. Online stores like Birchbox use Algolia's tools to power searches of their product catalogues. And $US9 billion financial startup Stripe has incorporated Algolia's tech into its support pages, allowing developers to more easily find the tools they need to build Stripe's payments technology into their apps or websites.
"We can deliver better search than Google…for a specific use case," Dessaigne said.
To bolster is offerings — and allow customers' search features to better resemble Google's — Algolia has added new features, such as an offline search capability and the ability to comb through and find street addresses. Going forward, Algolia is keeping an eye on virtual assistants like Apple's Siri and Amazon's Alexa, to figure out how it can best integrate its technology into them as an app or a "skill."
Algolia is also bulking up its staff. The company already has offices in San Francisco, Paris, New York City, and Atlanta, and it plans on staffing up in all of those locations across multiple departments, Dessaigne said.
On top of everything, though, Algolia plans to just keep working on building better ways for developers to put their own spin on search. Google's continual improvements of its own search engine are good for Algolia, he said. They raise expectations among users for how search should work — and send developers scrambling for ways to mimic Google's new search features in their own apps and on their own sites.
"We're not competing with Google, so much as leveraging their success," Dessaigne said.
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With Seattle's 17-7 victory over the rival San Francisco 49ers on Sunday at CenturyLink Field, Seahawks quarterback Russell Wilson set an NFL record for the most wins in a QB's first three pro years.
It was Wilson's 34th regular-season victory since he became the team's starting QB as a rookie in 2012. Wilson passed Miami Dolphins great Dan Marino and current Atlanta Falcons signal-caller Matt Ryan, who were tied at 33 in their respective first three years in the NFL.
Sunday's divisional win also was Seattle's 10th of the 2014 season, improving to 10-4 on the year. And after going 11-5 in 2012 and 13-3 in 2013, the Seahawks have achieved three 10-win seasons in a row for the first time in franchise history.
"At the end of the day, it comes down to winning football games. And that's my ultimate goal: To find ways to win whatever it takes," Wilson said after Sunday's victory at CenturyLink Field. "More than anything, though, it's a tribute to my football team, what the guys are doing — what we're doing as a collective effort: the defense, the offense, the special teams.
"It's been a lot of fun. We've learned a lot, we're still a young football team, we're still learning, we're still growing, and we've got a lot of football ahead of us."
The Seahawks next face the NFC West-leading Arizona Cardinals, who at 11-3 have the best record in the NFC. Seattle is in charge of its own postseason destiny with its final two games against the Cards and the St. Louis Rams, and now that the Green Bay Packers dropped to 10-4 with a loss Sunday at Buffalo.
Visit seattlepi.com for more Seattle Seahawks news. Contact sports editor Nick Eaton at 206-448-8125, firstname.lastname@example.com or @njeaton.


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SAN FRANCISCO – The more that teens reported being addicted to the Internet or their smartphones, the higher they scored on nine subscales of psychopathology and problematic behavior, based on a study of 195 adolescents.
Greater smartphone addiction correlated with an increased likelihood of somatic symptoms, withdrawal, depression or anxiety, thought problems, delinquency, attention problems, aggression, and internalizing or externalizing problems, Dr. Jonghun Lee reported at the annual meeting of the American Psychiatric Association.
He and his coinvestigators measured the severity of smartphone or computer Internet addiction using a 2010 smartphone addiction rating scale and the Kimberly Young Internet Addiction Test. They evaluated psychopathology scores using the Korean Youth Self Report, said Dr. Lee, professor of psychiatry at the Catholic University of Daegu (Korea).
Smartphone use in Korea has rocketed from uncommon to ubiquitous in the past 3 years. The number of smartphone users ballooned from approximately 470,000 in 2009 to nearly 33 million in 2012. In December 2010, 8% of Korean youths aged 5-19 years old used smartphones, but by June 2012 67% of that age group had smartphones, he said. The Korean Ministry of Public Administration and Security reported in 2012 that 11% of children and 8% of all ages were addicted to smartphones and 10% of children and 8% of all ages were addicted to the Internet, he added.
"We should try to screen for smartphone addiction as well as Internet/computer addiction in adolescents" to help manage the mental and physical effects of these digital addictions, Dr. Lee said.
He described one Korean news report that observed students on a lunch break at an 1,100-student middle school. Recess traditionally has been a time for kids to run and play between classes, but only five or six students were playing soccer during this lunch break. The rest were gathered in clusters by the bleachers next to the soccer field, looking at smartphones. Korean experts fear that the effects of smartphone use also are negatively affecting academic performance.
Previous studies have suggested that smartphone overuse or addiction to computers or the Internet correlated with an increased risk for depression, he said. Signs of smartphone addiction might include using the smartphone before bedtime or in the bathroom, and abnormal behavior after losing a smartphone, among other symptoms.
The current study is a preliminary one on the subject, and the findings were limited by its cross-sectional design, the use of only a self-report form for measuring psychopathology, and the lack of a standardized smartphone addiction scale at the start of the study, Dr. Lee said.
The many functions of smartphones, also called personal digital assistants, help make them addictive, he said. Almost anywhere, anytime, the user can access the Internet, retrieve information, play online games, take photos or videos, play music or videos, or access a global positioning system for navigation, among other features.
Dr. Lee reported having no relevant financial disclosures.
On Twitter @sherryboschert


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Prudential Beazley Real Estate's three-step process helps home sellers decorate to sell.
Evans, GA -- (SBWIRE) -- 03/09/2015 -- Prudential Beazley Real Estate understands that selling a home can be difficult. Factors such as the exterior of a home, the school district, and the safety of the neighborhood are all under scrutiny of the home buyer. However, one area should definitely not be overlooked: the interior. "If you neglect the inside of your home, chances are home buyers will neglect to purchase it," says Prudential Beazley Real Estate on their blog, "outdated decor can kill a home sale."
With their three-step process, home sellers can create a foundation of style that allows the home's features to shine. A house that is decorated to sell will sell quicker and for a better price.
The first step is to, "Make it look larger." Crowding furniture into a space can make it appear smaller. Home sellers should remove unnecessary or bulky furniture and consider arranging the other pieces differently. "Having extra space around the furniture can make the room appear larger," says Prudential Beazley Real Estate.
They go on to suggest home sellers also clear away clutter and knick-knacks. This allows homebuyers to look at the home as a blank slate and imagine their own belongings inside.
The second step is to, "Update the home… or make it appear as though it is updated." If new appliances and furniture are out of the question, Prudential Beazley Real Estate suggests making small changes here and there that can go a long way. "Old tired cabinets can look ages younger with a fresh coat of paint and some new hardware," says Prudential Beazley Real Estate.
The third step is to, "Flaunt the home's assets." Home sellers should show off the best parts of their home. "Clear, rearrange, and open up anything that takes away from the great things your house offers," says Prudential Beazley Real Estate. Showcasing the home like it is special will make the home buyer feel as though it is special too.
For further information and ideas about updating your home on a budget, read the full blog at http://www.prubeazleyrealestate.com/blog/home-selling-tips-decorating-your-house-to-sell/
About Prudential Beazley Real Estate
Established in 1986, Prudential Beazley Real Estate is locally owned and operated. The agency continues to set the pace in the Augusta metro area for high customer satisfaction. The real estate agents at Prudential Beazley Real Estate stay on top of real estate trends, and have plenty of new home inventory in Augusta, GA and Aiken, SC. Whether you are buying or selling a home, Prudential Beazley Real Estate agents will make your experience not only simple, but enjoyable. For more information interested parties can call 706-863-1775.
Prudential Beazley Real Estate updates their Facebook regularly here.


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Book Your Tickets Today!
Happy Island Waterworld
Contact Details
Group Bookings:
Contact Number:
010 600 3333
067 863 2635
Website Disclaimer
Whilst Happy Island Waterworld takes reasonable care to ensure that the information on the site is correct and up to date, users of the site should not assume that this will invariably be the case. Happy Island Waterworld does not give any warranties as to the accuracy, timeliness, validity and safety of any information appearing on the site.


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Printed Wedding Tent
Product Description
We are the prime manufacturer, exporter and supplier of a classy collection of Printed Wedding Tent that is made available in various sizes and styles. This wedding tent is crafted by our creative and talented team of professionals using the superior quality fabric. The offered tent is utilized for decorating the wedding venues with extreme elegance. Known for its magnificent prints and charming colors, this Printed Wedding Tent is very popular among our clients.
- Custom-made
- Finely stitched
- Stylish borders
- Easy to install
Contact Us
27, Prateek Nagar, Near 200 ft Byepass Kalwar Road, Jhotwara, Jaipur, Rajasthan, 302023, India
Phone :+918037301221


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Auto Painting in Boise, ID
Step 1 - Body Repair
Don't worry about those small dents and scratches on your vehicle's paint job.
As part of our MAACOVER, our trusted body repair technicians will eliminate any dents or dings through our special Five-Step Process. We'll make sure your paint job is free of any imperfections.
Step 2 - Surface Preparation
Surface repair is a crucial step in caring for your vehicle.Chips, scratches, cracks and excessive peeling can ruin your paint job entirely if left untreated. Don't leave these imperfections exposed to the elements for long. Correcting these issues will restore your vehicle's paint job to a smooth and glossy finish.
The professional estimators at Maaco Boise will fully inspect your vehicle and recommend any necessary repairs. Our surface prep options are cost-effective and will guarantee your MAACOVER is flawless. Performing surface repairs before the final paint job will ensure that your vehicle maintains a glossy finish for years.
Step 3 - Surface Sealer
Some paint jobs fail to hold their shine, even if it hasn't been that long since they were completed. This may be because of the reaction between old and new paint mixing, which can result in uneven color and gloss. To establish a barrier between the old and new paint, Maaco painters will apply sealer.
We offer three grades of sealer at Maaco of Boise. The correct choice factors in durability and the amount of prep work needed for your individual vehicle. Sealers helps keep consistent shine long after the job is complete.
Step 4 - Paint Services
At Maaco of Boise, we offer three paint packages tailored to your specific needs and budget concerns: Basic, Preferred and Premium. What makes each of the three services unique all comes down to two factors: Longevity of the paint, which includes warranty/durability, and the appearance of the paint, which includes gloss, color match, and metallic appearance.
Paint Services
Basic #MAACOVER
Our Basic #MAACOVER includes an application of a single-stage enamel paint to revive your vehicle's paint job. This service also includes a one-year warranty, along with a glossy finish and accurate color match.
Preferred #MAACOVER
Looking for greater durability, but need to stay at an affordable price?
Our Preferred service is your best bet and comes with a three-year warranty. This single-stage application uses urethane, which resists chipping and is much more resilient than enamel finishes.
Premium #MAACOVER
If you're looking for the best appearance and durability, look no further than our two-stage Premium service.
This package includes a five-year warranty and provides the highest level of endurance, glossiest finish and best color match. You'll want to show off this paint job for years!
Step 5 - Protection & Finish
After investing in a quality paint job, make sure to take the steps to protect it. AT Maaco, we often apply clear coats after painting to not only protect the fresh paint job, but to also ensure gloss match and an overall seamless repair.
Step 6 - Proper Car Care
Proper car care can have a major impact on the durability and appearance of your new paint. The right maintenance can help your car hold its color and shine, as well as provide protection from the elements.
When possible, try to:
- Park in the shade, but avoid trees;
- Avoid driving on sand, salt or loose gravel;
- Wash your car regularly.
Washing your car is a great way to remove unwanted contaminants that may be damaging your finish such as tree sap, bird droppings or bugs. It's recommended that you hand wash your car twice a month with mild automotive detergent. Use a soft cloth or sponge to avoid scratching the surface of the paint.
Be sure to use this as an opportunity to rinse the undercarriage of your car to remove dirt, salt or other chemicals that promote rust.
Four to six weeks following your paint job, we recommend that you wax your car every 3-4 months to protect your new finish. Make sure to use an automotive wax, like Mothers, that does not contain abrasive cleaning agents, such as silicone.
Apply a thin coat of wax using the provided applicator and with short, circular motions apply it to the entire car. Allow the wax to dry completely before removing it. Using a terry cloth towel, apply firm pressure to wipe the wax off using the same short, circular motion.


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Matches may have been a daily necessity in the last century, but a match factory in central China's Henan Province has recaptured attention by selling its innovative new products internationally.
Fangzhou Matches Factory in the city of Anyang, saw its matches exported to more than 20 countries and regions including Germany, France, Poland, and Italy, earning more than 700,000 U.S. dollars last year.
However, the factory went through a difficult period as the whole match industry was in decline in the 1990s, said Zhao Changxin, founder and general manager of the factory.
The match industry boomed in China in the 1980s.
"At that time, matches produced in Anyang sold well in both domestic and international markets," said Sun Zengsheng, a plant manager of state-owned Anyang Match Factory, noting that many retailers chose to be based in the neighboring areas in order to snap up matches produced in the city.
However, shocked by a flood of disposable lighters on the market, the industry began to wane after 1990, and Zhao was laid off from Anyang Match Factory in 1998.
"What I thought about most at that time was how to help match factory survive," Zhao said. Two years later, he set up his own business.
In 2003, an idea of making innovative gift matches occurred to him when he picked up a matchbook during a visit to Shanghai. The matchbook had the Chinese characters known as "double xi," which signifies good luck and is often used at weddings.
Soon afterward, customized matchbooks with various themes like weddings, birthdays, tourism and advertisements started to roll off the production line.
Recently, a new kind of product also attracted new customers. If you strike a 28-cm-long scented matchstick on the surface of a matchbook, a rose scent wafts in the air.
"We have added Indian spices into the match heads," he said, noting that the matches had already been ordered by a luxury firm from the United Kingdom.
New products offer ways to counter the waning trend in the match industry. Now sales are even climbing at Fangzhou Matches Factory and its scale is also expanding.
In 2016, the factory's combined value of orders from international customers stood at 650,000 U.S. dollars, surging from 20,000 U.S. dollars from 2010 when it received its first foreign order.
"Success in the new matches market depends on innovation, and businesses will attain better development once they advance with market demands," said Huang Guanghua, secretary general of Anyang Association of Entrepreneurs.


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Homeless man accused of starting fires in Santa Ana
A vegetation fire in Santiago Creek in Santa Ana Friday led to the arrest of a 26-year-old homeless man previously identified for setting other fires nearby, police said.
The Orange County Fire Authority firefighters responded at approximately 11:40 a.m. to a vegetation fire in Santiago Creek near 900 W. River Lane, authorities said.
As firefighters extinguished the fire, Santa Ana Police Department personnel immediately responded to the area in an attempt to locate the suspect. Officers located the suspect, identified as Gustavo Garcia, in the area at approximately 1 p.m. and detained him, authorities said.
Garcia was later booked into the Santa Ana Jail for multiple arson counts, authorities said.
The investigation is still ongoing and SAPD detectives and OCFA investigators have not ruled out the possibility of additional suspects.
Between June 10 and Friday there have been 14 incidents related to the series of fires, 12 in Santa Ana and two in Orange, authorities said.
Anyone with information on the fires is asked to call OCFA Capt. Lackey at (714) 573-6709 or SAPD Detective Castro at (714) 245-8345.


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Happy St. Patrick's Day! We know you want your Pint of Guinness or some Irish Whiskey or some of those delicious Irish eats…well we got you covered my friend. Just take a stroll in The Junction and you needn't look far.
Corned Beef & Cabbage is being served up at West 5, where you can also get yourself a pint of Hale's Dublin Stout. The Rocksport Bar & Grill is also serving up Corned Beef & Cabbage, Guinness and Green Beer all day long. Shadowland has the ole' Corned Beef & Cabbage today. But that's not all! Elliott Bay Brewery is serving up all of the delicious treats from Ireland, like Shepherd's Pie and Chocolate Stout Cupcakes! And speaking of cupcakes, drop in Cupcake Royale for their Irish Whiskey Cupcake! Now that's the luck o' the Irish!
"May your blessings outnumber the shamrocks that grow, and troubles avoid you wherever you go." – Irish blessing


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- Windows
- System Utilities
- General
- SHARP MXMX-M Printer Driver
SHARP MXMX-M Printer Driver
Our software library provides a free download of SHARP MXMX-M Printer Driver 1.0. You can set up this free PC program on Windows XP/Vista/7/8/10 32-bit. This download was scanned by our antivirus and was rated as malware free. This free program is an intellectual property of SHARP. The most popular version of the SHARP MXMX-M Printer Driver 1.0. The file size of the latest downloadable installer is 20.7 MB. SHARP MXMX-M Printer Driver is categorized as System Utilities.
From the developer:
This application is a driver to MX-M printers, like MX-M363, MX-M283, MX-M453, MX-M503. Sharp's new MX Monochrome Series document systems take you to the next level in MFP performance and productivity. A large, high resolution touch-screen color display with graphical menu navigation and a full-size retractable keyboard to simplify data entry are just two of the many advanced features offered by these new models.
You may want to check out more software, such as SHARP AL-2051 PCL6 Printer Driver, SHARP MX-2310U PCL/PS Printer Driver or SHARP MX-M260M310 Series Printer Driver, which might be related to SHARP MXMX-M Printer Driver.
Please add a comment explaining the reasoning behind your vote.
Backup & Restore
Device Assistants
Editors & Converters
Streaming Media


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- Austin McChord is the CEO of data-protection company Datto.
- He said managers shouldn't constantly praise their employees' work. The phrase "great job, everything was perfect" isn't actionable or helpful.
- Instead, managers should focus on what their team can do better.
Employees at Datto are lucky if they hear the phrase "good job!" three times a year.
Austin McChord, who is the CEO of the data-protection company, thinks workers should constantly be pushing themselves to get better, instead of resting on their laurels and assuming they have already achieved perfection.
McChord said as much in an interview with Adam Bryant on LinkedIn. "Focusing on what we're not good at, and how to improve it, is pretty much what we do all day," McChord said.
Hence the limit on how often employees receive praise for their work.
"As long as the feedback you provide is actionable, people will find it to be valuable," McChord told Bryant. Comments such as, "Hey, here's how we could do this a little bit better next time" tend to be appreciated.
On the other hand, McChord said, telling someone, "Great job, everything was perfect" is "not actionable" and is "almost unhelpful."
Datto's management strategy is a nice example of "radical candor," a term coined by former Apple and Google exec and CEO coach Kim Scott. According to Scott, radical candor is about challenging directly and caring personally – i.e. giving negative feedback when necessary, but not in a mean way.
"It's actually an act of kindness to tell somebody when they're screwing up," Scott previously told Business Insider.
McChord said giving constructive feedback directly is crucial in the modern workplace: "That level of honesty can be refreshing compared to a world where everything is likes and smiles and whatever sort of social media gloss that people try to put on their lives."
Read the full interview on LinkedIn »
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Education & Training
Allied Health School
MU Health Care participates with most major managed care organizations. To find out whether MU Health Care is a participating provider in your insurance plan or network, or for information on co-payments and deductibles, please contact your insurance carrier directly.
Academic Information
400 N Keene St
Columbia, MO 65201
United States
Research Profile
Benjamin Francisco, PNP, PhD, specializes in pediatric asthma and is director of Asthma Ready® Communities. His team's mission is to support better care, better health and lower costs for children with asthma.
Francisco's current research activities are organized under two broad themes: "Teaming Up for Asthma Control" and "Asthma Best Practices." Together, these approaches support investigations into the impact of aligning community and clinical asthma care with scientific evidence and expert guidelines.
To refine interventions for better outcomes, Francisco's studies employ Missouri Medicaid administrative claims data that describe asthma risk and burden for more than 50,000 children, as well as biometric and functional assessments of children's impairment.
Three primary funding streams sustain Francisco's asthma research endeavors: 15 consecutive years of contracts with the Missouri Department of Health and Senior Services' Asthma Prevention and Control Program, private foundations, and general revenue and special funding from the Missouri Department of Social Services.
Research Interests
- analysis of administrative claims data to target and evaluate asthma interventions aimed at reducing uncontrolled asthma
- workforce development to improve asthma care in schools, clinics, hospitals and community agencies
- assessment of airflow obstruction in childhood asthma
- improvement of children's inhalation technique


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The project schedule is the tool that communicates what work needs to be performed, which resources of the organization will perform the work and the timeframes in which that work needs to be performed. The project schedule should reflect all of the work associated with delivering the projecton time.
A project schedule is critical to a project management plan. Learn the key … The scheduleessentially transforms the project from a vision to a time-based plan.
In project management, a schedule is a listing of a project's milestones, activities, and deliverables, usually with intended start and finish dates. Those items are often estimated in terms of resource allocation, budget and duration, linked by dependencies and scheduled events.