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Reducing Risk. Raising Expectations. CyberRisk and Professional Liability
- Albert Patterson
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1 Reducing Risk. Raising Expectations. CyberRisk and Professional Liability
2 Are you exposed to CyberRisk? Like nearly every other business, you have likely capitalized on the advancements in technology today through the digitization of your company s important information. Whether it s your accounting data, customer records, or employee information, all are digitized and transferable through or even accessible via password through the Internet. This convenience also comes with substantial cyber risk to your company and the clients you serve. Technology losses related to viruses, hacking, digital defamation and intellectual property infringement are becoming commonplace. Unfortunately, it s unlikely that these new risks are covered by your existing insurance policies. Gallagher CyberRisk Services is a dedicated team of recognized leaders providing information risk management services and risk transfer products. We broker information security services and insurance products for the digital world.
3 What is Cyber Liability? The majority of businesses today have some kind of information technology exposure to their company business operations. Even companies without websites face significant risk. The company network can often present far more risk than a simple website. Traditional risk management is structured around protecting tangible property from physical perils. Today, protecting intangible property against intangible perils is becoming a critical element of a risk management program. Traditional insurance policies have significant gaps in coverage for digital exposures. Even more challenging, traditional policies are being issued with broad exclusions of coverage. A new generation of cyber policies is being developed to fill the gaps. Gallagher CyberRisk Services can customize a Cyber Liability policy to cover: Electronic or Enterprise Media Liability Network Security Failure to Prevent Unauthorized Access/Use Failure to Prevent Introduction of Malicious Code Failure to Prevent Denial of Service Attack Identity Theft Privacy Liability (Identity Theft/Regulatory Actions) Breach Response Expenses, including Notification/Credit Monitoring Coverage First Party Data Business Interruption Cyber Extortion Crisis Management Technology Errors and Omissions or Miscellaneous Professional Liability Why Cyber Insurance? Frequency of Privacy Breaches are on the rise. Threats and vulnerabilities are getting dramatically worse. More than 40 states have enacted Privacy Laws in response to frequency of Privacy Breaches. Corporate governance requires that organizations address Information Technology risks. Shareholders expect that their investment is protected from adverse market fluctuations. Publicly traded corporations and large privately held corporations could experience shareholder litigation due to mismanagement of cyber risk. The plaintiffs bar is becoming more active in pursuing class-action litigation. Contracts may require Cyber Insurance. Cyber Insurance can mitigate the financial impact on a company. Our expertise includes: Analysis of current cyber risk coverage gaps Identifying potential future gaps in coverage based on trends and expectations of carriers Matching exposures to these potential gaps Designing risk management solutions The most vigilant network security and most comprehensive privacy policies are vulnerable to hackers, rogue employees, social engineering, and human error.
4 What is the financial loss of a security/privacy breach? Cost to defend and/or settle litigation from customers or employees for Identity Theft. Cost to defend and/or settle litigation from banks to recover the value of reissuing credit cards or fraudulent transactions. Cost to defend and/or settle regulatory investigations and litigation. Cost to respond to regulatory laws. Cost to defend and/or settle unauthorized access or unauthorized use. Cost to defend and/or settle allegations that malicious code (such as viruses) caused harm to the data or computer systems of third parties. Cost to defend and/or settle allegations that an insured s computer system denied a third party the ability to conduct transactions. Cost to defend and/or settle litigation from customers or employees for Identity Theft.
5 Costs of a Breach (1) $214 average cost per record (includes response costs, defense and damages) $7.2 million average total cost per breach 14% average cost to defend a claim, per breach (1) 2010 Annual Study: U.S. Cost of a Data Breach by The Ponemon Institute, LLC; Sponsored by Symantec Security Liability Provides liability coverage for damages and claim expenses arising out of an actual or alleged act, error or omission resulting in: 1. The inability of a third party, who is authorized to do so, to gain access to your system. 2. The failure to prevent unauthorized access/use to system that results in: a. The destruction, deletion or corruption of electronic data; b. Theft of data; or c. Denial of service attacks against Internet sites or computers. 3. The failure to prevent transmission of Malicious Code from your system to third-party computers and systems. s A hacker infiltrated an online shopping website and stole 300,000 customer credit card numbers. The website faced claims from the customers for unauthorized charges made on the credit cards. Companies that unknowingly spread a worm, virus or other corrupting file via to third parties could face liability from those third parties for revenues lost as a result of the virus overloading the third parties computer networks. A disgruntled employee corrupted data in the company s system that was used to upgrade a product already on the market. The corruption caused damage to clients trying to upgrade the product as well as delays, cost overruns, etc., resulting in a loss of $50 million. Privacy Liability Provides liability coverage if an Insured fails to protect electronic or non-electronic private or confidential information in their care custody and control. s The operator of an online bulletin board filed suit against a couple who posted many rude and threatening messages on the bulletin board. The couple filed a counterclaim alleging the operator s use of cookies was trespass, conversion and an invasion of privacy. A business owner was sued after identity thieves were able to obtain personal consumer information of customers from a dumpster of discarded files. Privacy Regulatory Proceeding Provides coverage for defense expenses, and in some cases penalties/fines, incurred from a Regulatory Proceeding resulting from a violation of a Privacy Law caused by a covered security breach. Several hospital patient records were compromised when a hacker infiltrated the hospital s network. The Office for Civil Rights (OCR) contacted the hospital for further details of the security breach and found the hospital was not in compliance with HIPAA regulations. The hospital was fined for noncompliance.
6 Electronic Media Liability Covers the Insured for Intellectual Property (copyright infringement, etc.) and Personal Injury (defamation, etc.) perils that result from an error or omission in content on their website. Multimedia coverage is also available. s The claimant, an unsuccessful candidate for County Sheriff, alleged that a website owner allowed defamatory postings to be published on its website, which caused him to lose the election. Owners of video footage sued a website owner for copyright infringement, alleging the website streamed the footage for webcast on the site without permission. There was an issue about whether or not the party from whom the website owner had obtained the footage actually owned the rights in the video footage to transfer. Claimant sued an online magazine alleging it published his picture without permission.
7 Crisis Management and Public Relations Covers crisis management, including credit monitoring services, and public relations expenses incurred resulting from a security breach. Also pays costs of notifying consumers as required by various state laws. A national retail chain estimates that the costs from one of the largest computer data breaches in corporate history, in which more than 45 million customer credit and debit card numbers were stolen, have ballooned to $256 million. Those costs include detection and determination of response, internal investigation, legal and external advice, public relations and investor relations. Cyber Extortion Provides coverage for expenses and/or losses incurred as the result of an extortion threat made against an insured. sent to a leading credit card service provider threatening to cripple the site if $10,000 ransom was not paid. After refusing to pay, the company s website went down for about a week. Data Restoration Pays the reasonable costs incurred by the insured, in excess of any normal operating costs, for the restoration of any data stored on the insured s computer system that is lost as a result of a security breach event. A disgruntled employee sabotaged a computer network at an investment firm and deleted files on more than 1,000 of the company s computers. It cost the company over $3 million to assess and repair the damage. Business Interruption Provides coverage for business interruption loss and/or business restoration expense incurred by the insured as the direct result of a security breach that caused system failure. A computer manufacturer s plant in Ireland had to shut down after plant managers discovered a virus was loaded onto its network. Outside sources estimate the costs may have run as high as $18.43 million. All claim examples have had certain details modified for privacy.
8 We re the world s largest broker with a first and last name. In 1927 Arthur J. Gallagher, one of the pioneers of risk management, founded the commercial insurance agency that still bears his name. From one office in Chicago, the company has grown to 350 offices in 15 countries, with revenues of over $1.5 billion. Art s grandson, J. Patrick Gallagher, whose father and two uncles held leadership positions within the company, is president and chief executive officer. Throughout the company s incredible growth, our mission has remained to run this not as a family business but as a business of 10,000+ family members worldwide, whose commitment to excellence extends to our clients, stockholders and business partners. The history of Gallagher makes a compelling story of the insurance business and can be found on our Web site at Arthur J. Gallagher Risk Management Services, Inc. Joe DePaul Area Senior Vice President New York, NY Adam Cottini Area Vice President New York, NY Jill Jordan Area Assistant Vice President Chicago, IL Q\BSD\NICHES\Cyber\Brochure\CyberRisk Services_Final.indd
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Job Responsibilities:
- Source deals with a focus on the logistics space in France
- Form and build strong relationships across the RE space E.g. consultants etc.
- Participate in the execution of real estate private equity deals
- Deliver on the funds strategic objectives
- Manage acquisition process - due diligence, valuation, and financial analysis
- Perform reporting requirements
- Oversee tax and legal obligations
Job Requirements:
- Educated to degree level or equivalent in a Finance or Economics related degree
- Experience within the Real Estate space - particularly logistics
- Strong network of existing contacts within the French Real Estate space
- Fluent in French and English - both written and spoken

subset: commoncrawl


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Do LGBT people have an antisemitism problem?
At this year's Creating Change conference of the American National LGBTQ Task Force, scandal broke out when an event by a Jewish group was abruptly cancelled in the face of protest. At Slate, Mark Joseph Stern says that the LGBT movement has an unsettling antisemitism problem. Bil Browning at LGBTQ Nation says the disruption was a sign of "special snowflake" syndrome saturating the queer community. At the Washington Blade, Kevin Naff says the protests were just rude. On the other side, the protesters argue that disruption was a feature, not a bug.
2015 was the year of the female nipple. The New York Times looks at the nipple liberation movement, and some New York women who have taken their nipples public with a vengeance, in a new video.
PETA: Stop masturbating killer whales
Animal rights organization PETA has launched an advertising campaign against SeaWorld in San Diego, alleging that SeaWorld employees sexually assault killer whales (or orcas) by extracting semen for mating. As of yet, PETA has been unable to find a billboard willing to take their ad.
Read more at the San Diego Union-Tribune.
China's gay tipping point
The New York Times interviews Sun Wenlin, the Hunanese man challenging China's lack of same-sex marriage. Meanwhile, pro-LGBT sentiment has surged in Hong Kong, and a new study shows the majority of citizens support LGBT civil rights protections.
Hope and anger on PrEP
Pre-exposure prophylaxis, or PrEP, could be on the verge of wiping out HIV in the San Francisco gay community, writes the Washington Post. At the same time, the maker of the PrEP drug Truvada is being sued for delaying the production of an HIV drug for marketing purposes.


text: ® Fabtron's NEW light weight SUPREME TRAIL SADDLE continues with the design and construction we have been suppling the Equine industry for many years. Built with American Steer hides on a RALIDE tree, Stainless Steel Dees, In-shirt riggings, Contoured Skirt, turned fenders, Basket weave tooling, hand stitched cantle, berry concho's and a host of other great features make this highly desirable for today's discerning Trail Rider. This saddle is available in Natural, Ch


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Powerlifting for Women
PTC South Melbourne is home to medium, tiny and tall, women with the same goal: be strong.
We embrace and support strong women. Our female lifters have found lifting to be empowering, and our aim is to catalyze them to be even stronger versions of themselves. They have found a strong carryover from lifting to other areas of their lives – our gym has become witness to women forging stronger bodies and stronger minds. To date, the hard work of our strong women has resulted in national records and consistent strength progress, whilst getting leaner. While we don't endorse big egos at our gym, we are 100% supportive of guiding our strong women towards bigger squat, bench and deadlift numbers.
"No Douchbags. No Exceptions"
— PTC Philosophy
"No Douchbags. No Exceptions"
— PTC Philosophy
Our facility is however, not limited to powerlifters, and we also have weekly female group training classes.
We keep our groups small to ensure our classes to do not become run-of-the-mill cardio classes.
We want to give women the tools to be stronger and any other ancillary fitness goals they may have – not how to run around the block 10 times.
To date, our ladies have since lifted the respective numbers:
Ruchell Hutton
Under 60kg – 37 years old
142.5kg squat
60kg bench
157.5kg deadlift
Ruchell achieved these numbers with only 12 months lifting experience and currently holds the Submasters GPC World Squat Record .
Venecia Bachee
Under 60kg
145kg squat
75kg bench
202.5kg deadlift
Venecia is also a competitive strongwoman and has since set a GPC Australia Deadlift Record.
Shenae Healey
Under 67.5kg – 24 years old
192.5kg squat
97.5kg bench
192.5kg deadlift
Shenae achieved these numbers with only 12 months Powerlifting Training and currently holds 3 Junior GPC World Records. Currently has the second highest IPF points in Australia.
Emilia Phillips
230kg squat
110kg bench
235kg deadlift
Emilia acheieved these number in a very short period of time and came to PTC South Melbourne with very little experience. She has a promising future in Powerlifting in Australia.


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Silviya Duclos
Priced at $259,000
Gunflint Trail Wilderness Home with views of Gunflint Lake! Newer construction log sided home tucked in to the woods with over 10 acres bordering the Superior National Forest on two sides for plenty of seclusion, hike to your heart's content! Throw the boat in at the nearby Gunflint Lake landing when you want to hit the water. Newer construction home has Fabulous lake views from the spacious deck, enjoy summer grilling or just relaxing with a book! And if you don't feel like grilling, walk to dinner at the Gunflint Lodge and Red Paddle Bistro! This home has a fantastic Gunflint Trail location. Featuring a very functional floor plan, the main level has a fabulous stone fireplace with patio doors on each side and open concept dining and kitchen area. Gourmet kitchen with granite counters, plenty of cabinets and Whirlpool appliances. Lake View Master bedroom with full bathroom and walk in closet is located on the east side of the home for nice sunrises! The west wing includes bunk bedroom with nice Lake views and spacious closet. Another guest bedroom with queen bed, plus walk in closet. Full bathroom in the hallway, completes the guests/kids sleeping area. Plenty of storage throughout the home. A spectacular feature of this home is the screened porch off the lower level of the home, with a hot tub ready for your relaxation after a long day of hiking, or kayaking and fishing on Gunflint Lake.
Looking for a little more rec room space? You will love the potential to finish the lower level! There is a bathroom roughed in already. The high ceilings will make for a comfortable finished space. In place already is a laundry/utility area. Check out the Wildfire Sprinkler protection system, everything you need in your Gunflint Trail Wilderness Getaway!
Age: 2007
Square Feet: 1200
View: woods, Gunflint Lake
No. Of Bedrooms: 3
No. Of Bathrooms: 2
Access Road: Gunflint Lake Road
Heat Type: Fireplace, in floor
Fireplace: 1 gas
Well Yes
Septic: Yes
Deck: Overlooking yard
Acreage: 10.47
Property Taxes $2,802
Information Deemed Reliable But Not Guaranteed.
Property For Sale: Lake Superior homes & cabins | Lake Superior vacant land | Inland Lake homes & cabins | Inland Lake vacant land | Lake Superior Views | Homes & Cabins | Building Sites to Large Acreage | Commercial Property |
MLS Links: Search MLS | Search Our Agency's MLS Listings | Search Our Agency's MLS Listings


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Airport Cop Accused of Privacy Invasion
NASHVILLE (CN) – An airport cop is accused of stealing nine people's personal information through a law enforcement Web site and using it in one case to try to get a man fired, and in another to set up a fake email account in a woman's name.
Christopher Sorey worked as a police officer for the Smyrna-Rutherford County Airport from August 2005 to November 2008, according to the federal complaint.
The nine plaintiffs say airport officials informed them in December 2008 about Sorey's doing. The Tennessee Bureau of Investigation allegedly found in an audit that Sorey had obtained their personal information from a law enforcement database.
No one knows what Sorey's motives are, the complaint states, but it adds that Sorey has tried to get one plaintiff fired from his job with the City of Mount Juliet and created a fake email account on the airport computer in another plaintiff's name.
The plaintiffs demand punitive damages for violations of the Driver's Privacy Protection Act, invasion of privacy and other charges. They are represented by L. Gino Marchetti Jr.


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PF, resin, from Americas, updated 16 March 2015METHYLON 75108 is a allyl ether phenolic
Main featuresMETHYLON 75108 is a allyl ether phenolic based on Phenolic Resol (TS) polymer. It is supplied in the form of Liquid for Coating.
Our technical datasheets include in-depth information about our wide range of products and grades.
We invite you to download them when available and/or to contact us with additional questions.


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We're never really sure what to make of these 'value' lists, but find them pretty interesting to read nonetheless…
Swiss Football Observatory CIES calculate value based on a number of criteria, including ability, age, nationality, form, length of current contract, club, latest actual transfer price and status; and Sport English used CIES's value tool to collate the Top 50 you'll see below.
A Scouser's pain: Supporting Liverpool abroad – 3am wake-ups, 'soccer friends' & Aussies mispronouncing Wijnaldum
This is why you'll see 24-year-old Neymar has taken over 29-year-old Lionel Messi as the world's most 'valuable' player!
Liverpool have two representatives, with Coutinho (€75m) named as the 12th most valuable player in the world, ahead of Chelsea's Eden Hazard, Arsenal's Alexis Sanchez and Manchester City's Kevin De Bruyne.
Down in 39th is Sadio Mane at €48m, which is testament to his wonderful start to life on Merseyside – considering we signed him for around £30m in the summer.
Personally though we think Roberto Firmino should be on here, although you can't put his value to us in figures.
So in conclusion, this means very little – though it does represent that if any club did want to snare Coutinho, they'd have to pay an obscene amount of money to make it happen.
That's not something we wish to consider any time soon, of course.
Here's the full Top 50 in euros:


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Is it time for your next Bosch Car Service?
Call the Mudgee Branch to arrange a service before May 31st for your chance to win a $5,000 Bosch Household Appliances Pack!
(02) 6371 2000
HOW TO ENTER: Fill in your details on the entry form provided at the time of service then drop it into the promotion entry box to enter the draw to win a Bosch Home Appliances Pack valued at $5,000 RRP. There are also 10 Gift Cards valued at $200 RRP each to be won. The winners of this promotion will be drawn on 27th June, 2019.


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OKLAHOMA CITY – Darci Lynne, America's Got Talent winner and Oklahoma native, will now have a third homecoming show at the The Criterion!
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On November 3rd, tickets went on sale for the original single performance show on December 16 at 7:00 p.m. In six minutes, fans had very limited options as tickets went fast!
Today's the day! You can all get your tickets to my new show, Darci Lynne Homecoming! https://t.co/Kd1J5bCWRa pic.twitter.com/ZanzvcyMGa
— Darci Lynne (@ItsDarciLynne) November 3, 2017
Her team added a second show for December 16 at 2:00 p.m. The 2:00 p.m. show sold out with a handful of single seats left.
Tickets on sale NOW for the 3rd Darci Lynne Show! Sunday 12.17.17 at 2pm.
Buy Tickets: https://t.co/ZIBYSXqioF
❤ iHeartMedia & KJ103 pic.twitter.com/GlbbuazKDC
— The Criterion (@CriterionOKC) November 13, 2017
The third show will be December 17 at 2:00 p.m. There are currently several seats still available but if you want to see the award-winning ventriloquist, you might want to buy tickets soon!
Tickets range from $25 to almost $300.
Overwhelmed & thrilled by demand! If you missed out on the 1st two shows, here's your chance! I've added a 3rd show. Tix go on sale Monday. pic.twitter.com/ClqhD1pbWd
— Darci Lynne (@ItsDarciLynne) November 10, 2017
The KJ103 Morning Show – TJ, Janet, and Jrod – will host the Darci Lynne Homecoming Show.
The event is located at the Criterion, 500 E. Sheridan Ave. in Bricktown.
Tickets are on sale via Ticketmaster or by phone at 1-800-745-3000.
Click here for more information.


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As 2018 comes to a close, it's time to sit down and sample some of the newest and most exciting drams of the year. Japanese, Scotch, Taiwanese whisky; the year brought with it many exciting releases. Let's delve into each, and see what they bring to the table.
Suntory - Hibiki Blender's Choice
I reported the release of the Hibiki Blender's Choice by Suntory several months ago, before its launch in Japan on September 4th.
The expression was not meant to be a replacement for the discontinued Hibiki 17-Year-Old but instead an exciting new addition to the ever-popular blended range by Suntory. Unlike the more recent release of the Hibiki Japanese Harmony 30th Anniversary bottling which features the exact same liquid as the flagship bottle but different artwork, the Blender's Choice enjoys an entirely new recipe. Here are my notes. Remember, taste is subjective, and everyone's palate is different.
Tasting Notes: The nose first brings summer fruit and some floral notes, along with a hint of spice. On the palate sherried notes of dried fruit, vanilla, and a subtle touch of red wine makes for a well-rounded, delicate experience. The finish lingers long for an NAS whisky. An overall great addition to the Hibiki range. If only more people were opening these instead of only collecting them!
Johnnie Walker - White Walker
Apart from the beautiful and very smart branding by Johnnie Walker the new White Walker release in collaboration with Game of Thrones also comes with recommendations on how to consume it. It is recommended frozen and after the bottle has been in the freezer it will come out with a lit up phrase on the side of the bottle. Personally, I did prefer it frozen so those are the tasting notes I will be providing.
Tasting Notes: On the nose, there are abundant nutty notes- cashews and almonds are joined by some orange citrus and hints of sweet rum. The palate is quite sharp with added rum notes, but this harshness is eased by adding some water. This allows more of the nutty and citrus notes to come through. The finish is short but brings forth a touch of nougat which is quite pleasant. For a $35 bottle of whisky, this is one of the better Johnnie Walker releases out there.
Dalmore 20-Year-Old - Asia Exclusive
The Dalmore 20-Year-Old is one of the newest releases by the famed distillery, made exclusively for Asia, namely Taiwan and China. The bottle is beautiful and comes in at 40% ABV. This new Dalmore first spent time maturing in first fill ex-bourbon casks and for the final years of maturation, it aged in ex Tawny port pipes from the Douro region of Portugal.
Tasting Notes: The whisky is rather light for a 20-year-old but the lower ABV makes it very smooth. The nose starts off with spice, cinnamon, and ginger, with the presence of sweet citrus lingering in the background. On the palate, the whisky grows richer and darker, with forest fruits, dark chocolate, and winter spice. The finish ends quickly, with the citrus from the nose making a final appearance. Pleasant and very drinkable, this is better suited for those who don't enjoy intense, powerful drams.
Omar Whisky – Orange Brandy Wood Finish
The Nantou distillery from Taiwan is best known as the second whisky maker in the country and chooses to keep batches more limited and exclusive. The distillery releases some wonderful expressions, especially their wine and liqueur finished single malts. To date, they have produced whiskies featuring a red wine-finish, a lychee finish, and a plum wine finish. The newest release dropped at the beginning of December with very limited numbers available. Finished in casks previously holding orange brandy produced by the owning company behind Omar, this is one of the most unusual finishes out there.
Tasting Notes: The orange brandy wood delivers a wonderfully decadent whisky, bursting with notes of citrus, dark chocolate, and malt. The nose starts out with a blast of oranges and tangerines before the palate brings a base of chocolate, crème Brulee, and toasted malt on top of which the fruitiness can shine. A long, lingering finish brings the experience to a satisfying close.
Appenzeller Santis – Formosa Single Cask
Santis Malt from Switzerland has quickly risen globally with their small batch whiskies. Many of the expressions are aged in beer casks and utilize peated malt and very high ABVs. While the resulting whisky may not be for the faint of heart, it seems to hit the spot with seasoned drinkers, who enjoy something completely different. The Santis Formosa Edition is a single cask release of only 156 bottles, exclusive to Taiwan. Formosa, after all, is one of the old names used for Taiwan.
Tasting Notes: The Formosa starts with smoky bacon and molasses on the nose, notes which will be joining in throughout. On the palate, a balanced mix of smoke, umami, and oak come in joined by rich meaty notes. Imagine you're chewing of a thick steak that just came off the barbeque, with each bite coating your mouth with richness. The finish is long and rich, and the whisky stays in mind long after the dram is finished.
It's not one you can drink four or five glasses of in one night but is definitely a great finisher and one to savour and break down with fellow connoisseurs.
I'm Scottish, which I feel says a lot concerning my love for whisky and quality drinks. Yet, my tastes truly expanded after moving to Tokyo in 2012 and working for one of…
I'm Scottish, which I feel says a lot concerning my love for whisky and quality drinks. Yet, my tastes truly expanded after moving to Tokyo in 2012 and working for one of Japan's largest Scotch importers; this was when the craft of Japanese whisky started leading me towards my career in whisky. Today, I live between Taiwan and Hong Kong, acting as head of whisky and spirits for the world-renowned auction house Spink in Hong Kong. I continue to consult, hold tastings, and write about whisky, drinks, and food for some of the world's most respected publications, including Playboy, Financial Times, South China Morning Post. Feel free to follow my adventures on Instagram @georgekoutsakis_


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Scott D. Mason focuses on the intersection between Capitol Hill and the Trump Administration on major policy initiatives, including tax reform, healthcare reform, immigration, infrastructure initiatives and other key priorities.
Mr. Mason served as the director of congressional relations for Donald J. Trump for President Inc. and subsequently the President-Elect Transition Team. Mr. Mason was one of the original members of Trump's Washington campaign team, joining the effort in March 2016 and maintains relationships with many members of the campaign team now serving in the Trump Administration.
As a member of Trump's campaign and transition teams, Mr. Mason's responsibilities included:
Prior to joining the Trump campaign, Mr. Mason served as vice president government affairs for home improvement retailer Lowe's Companies Inc., leading the local, state and federal government affairs program from 2005-2015. In this role, he represented the Fortune 50 company on issues involving trade, tax, healthcare, energy, labor and financial services. He successfully established the Lowe's brand on Capitol Hill, adding an important retail voice on the broad array of internal and customer-related issues facing the company.
Mr. Mason has served in senior public and government affairs roles in Washington, D.C., North Carolina, Florida and Texas for more than 25 years. He also has grassroots, government affairs and public affairs experience with several major trade associations and other large corporations, including Anheuser-Busch, Samsung North America, the United Services Automobile Association (USAA), the Beer Institute and the American Medical Association.
Please note that email communications to the firm through this website do not create an attorney-client relationship between you and the firm. Do not send any privileged or confidential information to the firm through this website. Click "accept" below to confirm that you have read and understand this notice.


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Dive Brief:
Political campaigns are using mobile technology to reach voters beyond partisan rallies, mailings, phone calls and door knocking, according to a report in the Meadville Tribune. Using geofencing and geolocation technology, activists and campaigns can analyze global positioning or radio frequency to define a geographic area where ads and alerts are sent to people.
Smartphones ads are a better way to reach voters than broadcast television during the summer because they aren't at home watching TV; they're outdoors with their smartphones, David Bergstein, national spokesman for the Democratic Senatorial Campaign Committee, told the Meadville Tribune.
Democrats and Republicans are using smartphones to reach voters this summer as the parties set the stage for the 2018 midterm race, but digital ads aren't as important in deciding elections as the candidate's strengths or weaknesses, Nathaniel Persily, a Stanford University law professor and former senior Research Director for the Presidential Commission on Election Administration, told the newspaper.
Dive Insight:
Ad spending doesn't always translate into political victories. President Donald Trump demonstrated this in his win over Hillary Clinton last year, as Clinton's campaign outspent her rival almost two to one during election season, according to Bloomberg. However, political parties are recognizing that they need to reach audiences who are devoting a greater amount of time looking at smartphone screens, and especially young audiences who are often perceived as being far less likely to vote, especially outside of presidential elections.
Geofencing technology becomes especially useful in reaching audiences that are attending outdoor events. The national Democratic Senatorial Campaign Committee bombarded people who attended the Point Pleasant Sternwheel Regatta Parade in West Virginia with a six-second political video on their mobile phones, the Meadville Tribune reported. The message criticized Republican Congressman Evan Jenkins, the parade's grand marshal who may run against Democrat incumbent Sen. Joe Manchin, over GOP plans to replace Obamacare.
The National Republican Senatorial Committee in May ran a targeted ad on Snapchat and Facebook to appear as Democratic Sen. Bob Casey gave a commencement address at Penn State Law School, per the Tribune. The ad accused the former governor of being a career politician.
These campaigns demonstrate how mobile technology can be leveraged by brands to reach consumers — or, in these cases, voters — at highly-relevant times and places, possibly convincing them to enter a store (or a voting booth) on the fly. They also serve as just a couple of examples of how smartphones might be becoming the next political battleground for the hearts and minds of U.S. voters — a battleground which could be as contentious as TV, which has seen slipping ratings and, in recent years, experienced major shifts in ad spending habits.


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50% OFF Sale Ending Soon - Please note with the current COVID-19 situation there will be an impact on shipping times
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Through low-cycle pulse technology, penetrate 3-5 centimeters below the skin to open the pain points and meridians, and lighten the pain of cervical spine.
Constant temperature massage. Hot compress at 42℃ can relax blood vessels, relax muscles and bones, accelerate blood circulation and relieve cervical pain.
3 massage modes and 15-step force adjustment. Acupuncture and moxibustion mode, massage mode and knocking mode.
Shut down at regular intervals. The default 15 minutes after automatic power failure, safer, more assured.
USB charging. 1600mAh battery, charged for 2 hours, massaged for 15 minutes every day, lasted for about 1 month.


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By Stephen O Howard
"How within the hell did i am getting here?" I requested myself I usually questioned, "How did i am getting myself during this situation?"
A state of affairs which there looked to be no approach of escaping…..
There i used to be sitting on a troublesome metal bunk. The bed was once as skinny as a sheet of steel, my pillow laid on my bunk corresponding to a flimsy skinny pancake on a chilly unloved plate. a few of us referred to as this torture we slept on each evening a "bed", yet this factor did no justice as a mattress. As I sat there my brain mirrored again to the function I performed that prompted me to develop into a prisoner in my very own brain, in addition to a prisoner within the GA Penal establishment.
delay! Wait a minute; i believe i am leaping prior to myself a section. permit me return to the start, probably you'll comprehend why i made a decision to write down this book.
Read Online or Download From Prison to Praise: 2nd Edition PDF
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The Nat Turner Insurrection Trials: A Mystic Chord Resonates Today
This can be the 1st e-book to include a close research through a felony pupil of the 1831 revolt and its aftermath, together with an research of the 50 trials of slaves and loose blacks charged with insurrection. Kirkus notes: "Caarefully footnoted, the compelling tale of the way a literate, non secular box hand got here to think he was once the second one coming of the Messiah, destined to elevate a military to kill his opressors, makes an engaging learn.
Le sale boulot: Confessions d'un flic à la dérive (TEMOIGNAGE) (French Edition)
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Felony is the place Zeke Caligiuri is. Powderhorn Park in South Minneapolis, dubbed "Murderapolis" the yr he became eighteen, is the place he comes from. It used to be an identical local his father grew up in yet had replaced dramatically by means of the early Nineteen Nineties. but in Zeke's kinfolk, mom and dad and grandmother saved issues jointly whereas throughout them the homes decayed and once-safe streets gave option to the overwhelm of poverty and crime.
The Prince and The Assassin: Australia's First Royal Tour and Portent of World Terror
The engrossing genuine lifestyles tale of the way Queen Victoria's favorite son, Prince Alfred, undertook the main bold Royal travel, just for Australia's overwhelming pleasure of getting the 1st Royal on its shorelines jolted through his decadent behaviour, then stunned through an tried assassination through a guy knowledgeable as a clergyman.
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Extra info for From Prison to Praise: 2nd Edition
Example text


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If you ever find yourself touring around Australia and looking for something awesome to do, rent yourself a car and drive up to Kurrajong Heights. It's about an hour's drive outside of Sydney.
Why here? Because nestled up in the foothills of the mountains, you'll find Kurrajong Heights Downhill Recreation Park. This place is basically like a giant ski resort covered in grass instead of snow, so rather than strapping yourself to a pair of skis or a snowboard to get down the hill, you charge your way to the bottom on top of a four-wheeled billy kart.
Unlike your average motorized go-kart, these badboys are pretty bare bones. You won't find a steering wheel or even a proper seat anywhere on 'em, let alone an integrated braking system. Instead, you sit on a deflated tire, steer with your feet, and hold onto your hat. Think Mario Kart, but in real life and with fewer banana peels. The park boasts both beginner and advanced downhill areas, and has runs that stretch up to 400 meters for you to zoom down.
When you hit the bottom, there's even a mechanical lift system to pull you back to the top for another run. The cost is $20 per person for the first hour, and they offer you a discount for the 2nd hour if one isn't enough.
Check out this awesome video from DevinSupertramp to see the karts in action.
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- All You'll Ever Need Is a Volkswagen Golf GTI


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7 Key Indoor Trainer Sessions
Type: Triathlon
Level: Any
Length: 1 Weeks
Average weekly training hours -- --
Weekly Hours
We use these 7 key training sessions all year long as they aim to cover all the bases: strength/ endurance/ power/speed and threshold. They are fun, yet incredibly effective!! Spice up your winter training and gain the advantage over your competitors by purchasing this plan now!!
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Welcome to our Team Sirius key bike sessions!! I have written 7 key trainer workouts that we Team Sirius swear by during both the on and the off season!
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Workout #3: Other
With these 7 fun trainer sessions you will never be bored!!They have a fun warm up a main set and warm down.They are very descriptive and are explained in layman's terms to suit all fitness levels!!
US Dollar
Log in to your Team Sirius Tri Club account for up to 60% off training plans. Not a member? Sign up here.


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Who wouldn't want to know ways to pay fewer taxes? And legally! When prices are rising and our salaries and pay packets are just not keeping pace, any ways that we can maximize our income are welcome – especially if we don't have to work longer and harder to do it. These ways to pay fewer taxes are not universal but there may well be something in this list you're missing out on.
1 Make Use of Simple Tax Credits
One of many ways to pay fewer taxes is to take advantage of the earned income tax credit. This particular option is quite useful for low to moderate income taxpayers, especially for the ones who don't earn in excess of $50,000. The limit for the credit may vary a little from state to state, but you can definitely save up to $6,000 in most of the cases.
2 Tax Relief for Energy-Efficient Home Improvements
Do you know one of the better ways to reduce your tax bill is to make energy-efficient home improvements? Homeowners can qualify for a federal tax credit if they take steps to make their home more energy efficient. In fact, the federal government is willing to offer tax credits if you're ready to make certain moves, including installing insulation, installing sophisticated cooling and heating systems, and getting new doors and windows. Taxpayers can also keep their tax bill to a lower side by installing solar panels or using alternative energy sources.
3 Have a Family Life with Kids
I know this is drastic and even controversial but it certainly needs to be in your discussions about having children, and god forbid that this the only reason you would ever go ahead, but one of many ways to reduce taxes is to have kids. If you haven't been able to convince your partner about having kids, tell them it might help lower taxes. This could be a motivating factor, as there are quite a few child-related tax deductions and credits available – the child tax credit is one good example that would help save up to $1,000 from your total tax. Remember, this method of reducing a tax bill may not help you much if you're a high earner.
4 Make Charitable Donations
So, you're a woman with a kind heart and are always ready to help the needy. Do you ever consider making a charitable donation that would help the poor and, at the same time, would offer certain tax related benefits? It's possible. Many charitable contributions are tax-deductible. When you make a donation, you simply need to itemize deductions on your tax return, and the federal government may offer an income tax deduction for your gift. The only thing is that the gift needs to go to a 'qualified' charitable organization.
5 Take Advantage of Gift Splitting
Are you a married woman? There's some good news for you. You can take advantage of a taxation rule called 'Gift Splitting' and save a lot of tax money in the process. It is quite like donating to 'eligible' charitable organizations and then receiving tax deductions. The only thing is that you can increase your total gift tax exemption amount by splitting the total gift's value among your family members. There are certain requirements for sure, but you can definitely consider it one of many ways to cut your tax bill.
6 Focusing on Health
Focusing on health or keeping track of your medical expenses can definitely be a way to pay fewer taxes. In order to take advantage of this particular tip, you need to have a healthcare flexible spending account. If your employer offers this type of an account, you may end up qualifying for a tax break of up to 40% on several routine health-related expenses, including acupuncture and supplies such as breast pumps, bandages, etc. Women may also be reimbursed for using smoking cessation programs, gluten-free foods, and starting doctor-ordered weight loss programs. For eligible items, pay a visit to IRS.GOV.
7 Mortgage Interest Deduction
Using mortgage interest payments for tax deduction is probably the oldest trick of reducing tax. All you have to do is keep your mortgage for as long as possible and you may qualify for a tax deduction. Just bear in mind that you should not go overboard with the idea or else the additional interest payments will become greater than the tax benefit you receive.
There are lots of ways to pay fewer taxes. The difficulty really comes in knowing what they are. If you don't employ an accountant – and seriously, how many of us ordinary gals do – the only option we have, unless we pay for a financial advisor, is to read up and research. It's certainly worth investigating, don't you think?


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This bar just opened up at 1424 Westheimer in Houston, and the early look has it shaping up as a solid joint. And how can you not dig the name? Anvil Bar & Refuge. To relax, it behooves folks to look for a spirited refuge. Anvil is a welcome addition to the Houston bar scene -- a scene that, incidentally, is so much more attractive since the advent of the smoking ban a couple years ago. Who wants to go to happy hour after work, only to get your suit infused with Marlboro stink?
Anyway, aside from the extreme decibel level (will someone, somewhere please invest in acoustic panels?), Anvil is a terrific, relaxing bar. A lot of reclaimed materials have gone into the bar, its decor, and the furniture. But it's a comfortable, dark, leather-sofa kind of atmosphere with plenty of candlelight. Perhaps a bit noisy for a romantic after-dinner stop, but certainly a good place to unwind with coworkers or friends anytime.
The wine list is small but intelligently selected, without ridiculous markups. For example, the excellent 2007 W.H. Smith Pinot Noir Sonoma Coast is $48. You can pick up the same bottle at Spec's for a hair under $30. The beer list is a strength. Everything is from bottle, and the selection is superb -- from a handful of the usual big brew suspects to a big selection of microbrews and genuine ales. There is even a barleywine/strong ale section on the menu.
Anvil's purported speciality, however, is cocktails. They are going for a throwback cocktail style, with current selections listed on on a chalkboard. Each of them is interesting and true to its ingredients. Some of them are intense without being overbearing. Particularly good are the Mexican Fizz, Bee's Knees, and First Growth (beware of the potent St. Germain liqueur here). They are made smartly and priced at $8 each. Not too outrageous, although per ounce of alcohol, you probably do better with wine.
The crowd was mostly professional, with a lot of sportcoats in attendance. That's kind of expected since the buzz for this place seems to have been generated mostly on Twitter. In any case, Anvil is here. It's worth a look.


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Integral Coaching is like a CT scan for the things that happen inside of you such as your emotions, attitudes, thoughts, feelings and intentions. We all know that an X-ray can show you the outline of a human skeleton and our inner organs. It is a one dimensional image. On the other hand a CT scan provides detailed 3D images and is used to "determine the cause of" or "to detect or assess". It is one of the most advanced ways of taking sectional and cross sectional images of our body. It provides a highly detailed look at the human form. Cross-sectional images appear to open the body up, allowing the doctor to look at it from the inside.
It is in this way that the models and assessment tools used in Integral Coaching enables the coach to take a highly detailed look at your inner world. This holistic coaching approach creates a cross-sectional image of the conditions operating in your life, allowing for detailed evaluation and ultimately a diagnosis of the challenges brought by you. In short, this enables us to see all the many facets of your life that you bring.
I also want you to know that this is a mutual journey. I am fully acquainted with this way of living and being. Be assured that as a Certified Integrated Development Coach, I am able to in guide you in developing the competences required to meet what you're facing. We provide a blend of challenge as well as support in aid developing your increased competence in all areas of life.


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LETTER TO THE EDITOR: Chang Protects Taxpayer's Money
Reader submitted
I as a member of Port Orchard community I have noticed the fine performance of Councilman Fred Chang.
He protects the tax payer's money yet has a vision for correct investment in the future. He is always available to constituent comment and questions. He listens while at the same time explains complex issues to the people he represents. Fred is his own man and is not a rubber stamp for anyone.
He speaks truth to power all the time at council meetings. Fred works for the people not special interests. He truly is a citizen representative in government. We can't afford to lose a man of Fred's caliber in the city council. I would encourage all citizens in Port Orchard to vote for a true heart that works for the common good; Councilman Fred Chang.
Mark Brown


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Android is a framework developed by Google. Android operating system is in huge demand nowadays due to its smart and easy to use applications. Android Market (now known as Google Play) is digital application distribution system developed by Google for android platform. MobilityLabs has a team of expert and experienced Android App Developers who will provide you the best, cost effective and error free applications.
Android applications are developed in the Java programming language which uses the Android Software Development Kit (SDK). The demand and scope for the experienced and professional Google android developers is continuously increasing by leaps and bounds. Android is a platform which provides android app developers with variety of options for developing high quality android applications. Our team of developers has detailed and thorough knowledge and expertise in developing different types of applications. We have a dedicated team of android application development who can give you a 100 % guarantee to provide different applications free of errors and we also provide daily reporting to our clients so that they stay updated about day to day android application progress status.
At MobilityLabs, android apps developers can build and develop applications on different platforms such as Windows XP or later versions, Linux, Mac OS X versions etc. If you want to develop the best android applications with no quality compromise then you must hire android app developer from MobilityLabs. Our team has hands on experience and knowledge in android application development that can develop android applications that meet the client's requirements and satisfy them fully so that they establish long term relationship with us.


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Newt Gingrich
The United States is an $18-trillion-Gross-Domestic-Product-800-pound-gorilla in the global trade room. We have leverage to burn when it comes to cutting deals. We have thus far used…none of it.
The president elect has been pursuing an "all-star" cast for his cabinet. It's missing one person.
President Obama sold Obamacare to the Left on the grounds that it would achieve universal health insurance coverage. But even the Washington Establishment CBO says it will still leave 30 million Americans uninsured 10 years after full implementation!
Newt Gingrich's recent article on CNN asks "What Would Reagan Do About ISIS?" Writing a "speech" from the perspective of Ronald Reagan as if he was still president, Gingrich seeks to show a more assertive, commanding response to the massive unrest in Iraq and Syria. The relative merits of Gingrich's Reagan's speech are not worth all that much consideration (In a nutshell, it calls for swift action against the militants, and generally damns the present policy). What is of interest is the strange phenomenon the article reveals about a large section of the American right wing today: dogmatic Ronald Reagan worship.
Perhaps the most pernicious side effect is the erosion of the provider-patient relationship. When I first began working with electronic health records, I caught myself staring at the computer screen instead of engaging patients, who rightly felt ignored.
Neither President Obama nor any other Democrat ever proposed any middle class tax cut in the fiscal cliff negotiations. All that was ever discussed is continuation of the same middle…
[Co-written by Newt Gingrich.] So far, Obamanomics has produced the worst recovery from a recession since the Great Depression. But if Obamanomics is not stopped, next year it will produce…
Ferrara on Forbes: How President Obama Is Deceiving You On Tax Policy
[First posted at Forbes.] The central theme of President Obama's tax policy has been that "the rich" (whatever that is supposed to mean) do not pay their fair share of…
If you missed the debate among the Republican candidates for president in Ames, Iowa two days before today's straw poll in the Hawkeye state, here you go. The debate has…
Heartland research fellow Ben Domenech, who is also managing editor of Health Care News, penned an excellent eulogy/take-down of what is certainly the end of Newt Gingrich's presidential campaign in…
I awoke late on Sunday — late in the morning, that is. So I only found out via my Twitter feed that Newt Gingrich not only screwed his presidential hopes,…
Newt Can't Outrun His Climate Change Alarmism, Cuddle Session with Pelosi
This video would be nauseating even if Nancy Pelosi and Newt Gingrich weren't practically making kissy faces at each other. Newt wants to be president. Newt says he's a conservative.…


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Pool & Spa Insurance in Fresno CA, Clovis CA & Madera CA
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Contact a representative at Eaton & Eaton Insurance Brokers today to build an insurance package suited for your business.


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Gentlemen, as long as your next adventure does not call for months away from home, you can get on a plane with one bag and avoid baggage fees. If you have not flown in a while or just need a refresher since you're flying alone, check out this list we compiled:
Know the Rules Before You Pack
There are some restrictions that you need to understand before packing your bag.
- Many airlines impose a weight and size limit for your carry on. Check with your airline to understand the type of bag you can bring aboard.
- Follow the government's rules.
Once You Reach Cruising Altitude
The fun part of a carry on bag is once you reach cruising altitude. Make sure you pack these items at the top of your bag to avoid blocking the narrow aisle as you dig through your bag.
- The Airhook. This is a brand new travel gadget that allows you to stay steady, no tray table needed.
- A travel pack of cleaning wipes. You never know when something will spill. Heads up baby wipes also serve as a good stain remover.
- In-flight entertainment options. These will include but are not limited to a book, your laptop, all your chargers, and any work you need to do in flight. Keep in mind you will need to remove your laptop from the bag before you clear security. It has to be put in its own bin for scanning.
- Solar phone charger. If you are going to be onboard a while, save your portable charger and let the sun do the work.
- Cord wrap. There isn't a lot of elbow room on most planes. Get a piece of velcro that will help keep your cords under control.
- Portable charger for your cell phone. This charger is so small you can even put it in your jacket pocket for quicker access.
Relax, You're Going to be Here A While
Get some sleep during your flight. It will help ward off jetlag when you land.
- Travel size pillow.
- A travel blanket. If you don't have space, wear a comfortable jacket on board that can double as your blanket.
- Noise canceling headphones. These should be towards the top so you can use them with your in-flight entertainment.
The Just in Case Section
The first items to put in your bag are just in case items. These are items that can save your sanity if your checked bag lands somewhere you don't. This is also the area where you can pack your clothes if you are doing a one bag trip.
- Medicines. Take all medicine all board with you to avoid problems with temperature change or lost bags.
- A new outfit.
- Small toiletries, keep the rules in mind. Move this bag towards the top if you are going right to work after you arrive.
Whatever You Do Don't Pack These
There are some things that no matter what should never be in your carry on bag.
- Your cellphone.
- Your wallet. You will need your ID and cash in the airport.
- Your passport. If you are traveling overseas, keep this on your person.
- A lightweight jacket. Keep this out of your bag to stay warm on board. It can also double as a pillow or blanket and save much-needed space in your small bag.
There are a variety of bags on the market, choose the bag and the strategies that fit your trip. Pack at least one full day before you leave to ensure you don't forget anything and have enough time to purchase any missing items.


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Topical Articles with Exercises
for AS and A Level French
Topics matched to 2016 specifications – ready to use now!
Up-to-date articles are based around relevant issues in target-language countries, and each one is accompanied by a range of activities. Written by native speakers, these authentic texts will stretch your students while testing the skills needed for AS or A Level in a modern-day context.
I like the fact that each unit covers a variety of A Level skills
- Topical and often challenging issues make texts relevant and thought-provoking, offering ample opportunity for debate.
- All articles based on topics from new AS or A Level specifications
- Each text accompanied by vocabulary, comprehension, language, translation, writing and discussion exercises – all matched to AS or A Level.
- Full answers provided for easy teacher-, peer- or self-marking.
Topical Articles for Spanish are available here.
Topical Articles for German are available here.
What do teachers say about this resource? (8544)
Thank you for creating this well-thought resource. This resource will contribute to prepare A Level students for the Reading, Listening, Translation paper. I like that fact that each unit covers a variety of A Level skills. Each step is well thought out and enables students to get ready for the following step. This resource provides scaffolding with rising difficulty for the tasks. Moreover, the grammar boxes are very useful to remind students of grammar rules before starting to translate.
This is a practical resource for working on together in class or for pupils to work on independently, either as homework, revision or as work set when the teacher is absent. It covers a range of topics and has a good variety of activities which will all be useful for the A Level exam. The language in the articles is of an appropriate level of challenge, particularly for pupils in their second year of the A Level course. It certainly meets its aims of building up vocabulary and strengthening their ability to understand French texts.
What do teachers say about this resource? (6112)
The resource uses modern language which is relevant to young people. Grammatical concepts such as the use of the subjunctive and the passive voice are also included. I particularly liked the variety of topics (celebrities, the world of work, education, current affairs, etc) and the fact that the articles cover up-to-date news.