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Regular price $19.99
Like the fictional movie that inspired it, our FCK Panther beard oil is unforgettable. Unlike the "bits of panther" movie counterpart, however, ours won't sting the nostrils. We know that the real allure draws the senses in, rather than overwhelming them with overbearing notes: this quietly confident blend relies on intriguing citrus notes and a fresh, clean overall scent profile. It's a beard oil that says:"I know exactly who I am and I'm not afraid to show it," and that works 100% of the time, every time.
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GRAND RAPIDS, Mich. (WOOD) — Gov. Gretchen Whitmer has been traveling the state to talk about her policies and budget priorities since early March, which often includes a pitch to fix the roads and raise the gas tax by 45 cents a gallon.
But Whitmer had a different message on Wednesday when she visited Helen DeVos Children's Hospital in Grand Rapids.
Whitmer has made it no secret that she does not like the auto no-fault reform bills passed by the legislature.
"When your asthmatic child can't breathe, or when your father is having a heart attack, this is where you come," Whitmer said. "If the legislation gets passed with the swiftness that it is and the thoughtlessness that it is, every one of us is going to pay for that."
She says funding for medical cost expenditures are significantly reduced or eliminated in the packages, meaning trauma centers could be in danger of losing funding.
"Zero coverage means exactly that, zero coverage. It means undermining trauma centers like this, the last one going west in Michigan, that everyone on this side of the state depends on," Whitmer said.
The two bills passed by the legislature to reform no-fault would offer coverage levels much lower than the unlimited payout for catastrophic care that's currently mandated.
Whitmer and Senate Majority Leader Mike Shirkey met earlier this week to talk about a resolution.
"We've got to sit down and make sure the long-term implications of the decisions that are made protect trauma centers like this," Whitmer said.
She says more conversations are needed, and she is in no rush to get a fix in place.
"(We need to) make sure that our kids who are in car accidents have the kind of care that they need and are able to show up when they have an accident. That's why I think it's important that we get it right. It's a lot more important that we get it right opposed to moving this week," Whitmer said.
Neither of the bills passed, one by the House and one in the Senate, have been approved by the other chamber.
That means nothing is on the way to Whitmer's desk as of Wednesday evening.


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text: The work was dirty, the little town a joke, but Wyatt was interested only in the advantages-they didn't know who he was, there were no cops, and no one was expecting a payroll snatch.He was up to his elbows in grease when the money arrived. The Steelgard security van appeared at the cemetery corner in a cloud of dust, crept past the bowling green clubhouse, and slowed for the gate in the temporary fence that separated the construction camp from the town. He watched the van lurch through the gate into the camp and stop outside Brava Construction's site office, fifty metres from where he was getting his hands dirty. He checked the time: midday. He saw two men get out. They began to haul cash-b...


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"Jon Barker... (is one of the) other exuberant notables among Ms. Monte's capable 13-member ensemble..."
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He is a total drama queen and Barker plays him to the hilarious extreme. The result is laughs galore. He is very funny."
Janine Torsiello, Morris Beats


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Read. Shop. About. Submit. Contact.
Future Fables and Strange Stories
Where are we going?
Look ahead, stretch your imagination, there are new realities waiting. They're waiting for people who aren't afraid to ask tomorrow's questions today. Told across thirteen tales from our future, past, and present, Future Fables and Strange Stories asks where are we going…
In Space:
A journey through the cosmos ends at the edge of the universe where there are more questions than answers.
In Technology:
Genetically designing children simple — but expensive. For parents who can't afford to, there's a cheap alternative, but it comes at a cost.
In Time:
Could time only exist in our heads? If it does, could a drug take us not only to the past and future but to somewhere else entirely?
Author: I.B.
Released: June, 2018
Future Fables and Strange Stories, Print Edition


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Depressive disorder, often referred to as depression, is a complex condition. It is more complicated than feeling sad or just going through a tough time. Depression is a real mental health condition that is influenced by a combination of factors and needs to be taken seriously. When the right set of ingredients come together for someone, the symptoms of depression kick in and can be devastating if left untreated.
During depressive periods, people have feelings of sadness, numbness, or a lack of energy that can last days, weeks, or months. People may experience changes in sleeping, eating, or hygiene routines and may stop getting together with friends or going to work. They may also find that they are no longer interested in things they used to find enjoyable, such as hobbies.
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Over 7%
of the population in the US has experienced at least one major depressive episode in the past year.
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Depression can affect individuals differently, but typically the symptoms affect how you feel, think, and handle activities of daily life. Symptoms are also usually present for more than two weeks. Some of these common symptoms include:
- Persistent sad, anxious or "empty" mood
- Loss of energy
- Lack of concentration
- Feelings of guilt, worthlessness or helplessness
- Feeling agitated or irritable
- Increased sense of guilt
- Changes in appetite or sleep — increase or decrease
- Lack of interest in previously enjoyable activities
- Feelings of hopelessness
- Feelings and thoughts of wanting to die
- Self-harm or suicidal behavior
Treatment for Depression
A therapist or physician can help provide treatment options such as psychotherapy, medication, or lifestyle changes.
Additional Information on Depression
For additional information about different forms of depression, risk factors, and in-depth information on the different kinds of treatment available for depression you can visit the following:
- National Institute of Mental Health: Depression Statistics.


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The sporty Jaguar convertible had been missing from a Bolingbrook garage for about 12 hours when its LoJack system alerted Chicago police patrolling the South Shore neighborhood that it was in the area.
As the sun began to set, at least two Chicago police cruisers headed to the scene, quickly closing in on Paul O'Neal as he drove the reportedly stolen car north on South Merrill Avenue.
Newly issued body cameras captured a chaotic scene touched off when two officers shot at the Jaguar as it drove past them — an apparent violation of department policy and a decision that appears to have led another officer to believe O'Neal had opened fire at police. The unarmed teen was shot in the back in the backyard of one home after a short foot chase and died.
The videos depict the officers' routine response to a stolen car report escalating, within seconds, into open gunfire on a residential street and more gunshots behind a private home.
Experts interviewed by the Tribune say the actions of the officers as seen in the videos — made public with unprecedented swiftness — raise questions about the extent and quality of the Police Department's training for its roughly 12,000 officers, as well as even more fundamental questions about what policing should look like in 2016.
The department announced earlier this year that it would be rolling out a mandatory two-day training for officers on tactics that emphasize decelerating conflict to avoid deadly force. The classes are still being devised, and experts said the O'Neal shooting only underscored their need.
"Without the investment and the structure and the capacity to provide ongoing training on use of force, officers are not going to have the skills or feel comfortable utilizing a variety of options when dealing with someone who is behaving unpredictably," said Alexa James, executive director of the National Alliance on Mental Illness, Chicago, who served on a recent Chicago policing reform task force. "We are not giving officers the tools they need to do their job with the least amount of force and the most professionalism."
Chase began with alert
In the week since the release of nine video clips of the incident, more details about O'Neal and the events that led up to the shooting have emerged.
O'Neal was a high school graduate who planned to attend trade school and was thinking about a stable job at ComEd, his family said. He lived in South Shore, just a mile or so from where he was shot.
The teen had one serious previous brush with the law, according to court records. In April 2016, he was cited in a juvenile court petition with attempted robbery, attempted aggravated robbery and aggravated battery after he allegedly tried to rob a teen and indicated he had a gun, records show.
O'Neal was due to appear in juvenile court the Tuesday before he was shot but failed to show, according to his record in juvenile court. A bench warrant was issued for him Friday — the day after he was shot.
Law enforcement authorities in Bolingbrook said O'Neal was suspected of working with a crew of about four others, stealing cars from garages and driveways in the village the night before he was shot. The crew wasn't sophisticated, but rather allegedly sought cars that had keys in the ignition.
The Jaguar O'Neal was in was reported stolen at about 6 a.m. July 28. It was equipped with a LoJack, a tracking device that is activated if a car is stolen.
Roughly 30 minutes before O'Neal was shot, officers patrolling near 74th Street and South Merrill Avenue were alerted by the Jaguar's LoJack signal, department spokesman Anthony Guglielmi said. The officers never officially initiated a chase, which would have required them to notify a supervisor who would monitor the pursuit.
A police helicopter had also already been dispatched to the area to help track another stolen car, a BMW, Guglielmi said.
As O'Neal drove north on the 7400 block of South Merrill Avenue, officers appeared to close in on him. But instead of stopping, O'Neal tried to drive around a police SUV, striking either it or a parked car, the videos show.
Unholstering his gun as he opened the police SUV door, one officer fired across his own vehicle at the Jaguar and then down the street as it continued speeding away. A second officer also fired. Seconds later, another officer chasing O'Neal through yards fired at him, striking him in the back.
The decision by police to fire their weapons in these critical moments and the videos that show much of their actions provide an opportunity, experts say, to explore when and how officers should defuse, instead of escalate, confrontation.
"This is one of the first incidents that there has been a mass release of video (and) the opportunity to compare what we see here to best practices nationwide," said Craig Futterman, a University of Chicago law professor who has studied police misconduct. "… Transparency is having the courage to show the bad stuff so we can include the public in the conversations in what we need to reform policing in Chicago, what we need to train officers better, what we need to do to supervise officers better."
Policy on fleeing cars
The officers' decision to fire at the Jaguar as it moves past the officers appears to be the most apparent violation of department policy, experts said.
Chicago Police general orders prohibit officers from shooting at a moving vehicle if the car is the only threat.
"That pretty much is improper use of deadly force," said Geoff Alpert, professor of criminology at the University of South Carolina. "You don't shoot at moving vehicles. The other officers get out of the way."
The first officer who fired at the Jaguar appeared to be heard on the videos saying that he thought his partner was about to be struck by the Jaguar. Even if true, the shots fired would still appear to violate department policy. One reason for this directive is that if police shoot the driver, the driver could lose control of the vehicle and cause more harm to others, experts said.
"Even if you hit the driver you now have an unguided missile that is just as likely to run into some innocent person," Alpert said. "You are creating more of a problem than you are solving."
Neighbors in the South Shore community, as well as some experts, have expressed concern that the officers were quick to shoot at a fleeing car in a residential area perhaps because they were in a black neighborhood. Others suggested the officers' adrenaline overtook reason, causing them to act hastily instead of deliberately. All of this is ripe training territory for the department, experts said.
"We should be asking questions in Chicago as to why there are so many police shootings," Futterman said, speaking generally about the problem. "Some of it goes to race and bias. Some of those officers are fearful, and I don't think that is a good thing."
Fatal shots fired
The decision to shoot O'Neal in the yard as he was running away raises more complicated questions about the police response, experts said. For one, the officer's camera was not recording when he shot O'Neal. The officer had just been issued the device, and police are investigating why it wasn't recording during the final shooting.
The recordings did, however, pick up some of the officer's statements to other officers and a supervisor, in which he describes believing he had been fired upon. At one point, he says shots were coming at him from down the block.
The videos released show that his assessment was likely correct — shots were coming from down the block. But, they appeared to be from fellow officers, who were firing at the Jaguar.
But some experts say that no matter who was actually shooting, if the officer reasonably believed O'Neal was firing at him, he may have been following departmental policy in shooting him, and could be on steady legal ground.
"This guy is driving at me at a high rate of speed and gun shots are coming my way. At first blush, I think most people could say a reasonable officer could believe he was being shot at," said David Klinger, a professor of criminology and criminal justice at the University of Missouri at St. Louis. While not offering an opinion on the case, specifically, he talked about the policy in general. "Police departments and the press have both been remiss in explaining to the American public what the rules are. … There are basically two reasons to use deadly force. To protect life now and to prevent the escape of a violent felon."
But others argue that the guidelines on deadly force are not that simple. Whether an officer is actually facing danger can change, moment by moment, and may require re-evaluation, even under split-second decision conditions. Experts say an officer should be required to see a clearer sign of danger to himself or others before firing his weapon.
"It is not fear of my life," said Alpert, who was also not commenting specifically on the O'Neal case. "You have to explain exactly how you perceived that fear. … Unless he sees a deadly threat I am not sure that it requires deadly force."
Futterman also has questions about whether the officer who shot in the backyard should have been so quick to fire, and argues the department's policy on use of force needs a complete revision.
"I see a kid running away from me and I see no indication that kid has a gun. I think you have to stop and reassess the situation," Futterman said. "I think Chicago's use of force needs to be brought back (from) not just what is reasonable. It starts with sanctity of life."
Training questions remain
After last year's release of video footage of a white officer shooting Laquan McDonald, a black teen, 16 times, Chicago joined several other cities across the country facing intense scrutiny over police use of force. The video release led to weeks of street protests, the firing of Superintendent Garry McCarthy and an ongoing investigation by the U.S. Department of Justice.
Since then, the city has tried to launch reform and started considering larger, broader questions about the definition of policing and whether over decades, officers have come to lean too heavily on their weapons to resolve a problem.
Other big city police departments that have undergone scandals similar to Chicago's have tried to implement de-escalation training. The Las Vegas Police Department, for example, has revised its use of force policy to emphasize that deadly force is an absolute last resort. Officers there are now required to answer a list of questions in their use of force reports that address other factors, such as whether a subject was impaired.
Any new approach, of course, requires training — a major deficiency for Chicago, according to Mayor Rahm Emanuel's task force on policing, which was formed in the wake of the McDonald scandal and after the Department of Justice announced an investigation of Chicago police.
For example, the policy regarding when officers may shoot at a moving vehicle was revised in 2015. But department officials have not explained how the new directive was communicated to officers. Some mandatory training in the department has been conducted at roll calls or online.
Among the many new reforms after the McDonald scandal erupted was Emanuel's announcement that all officers would be required to attend a two-day scenario-based training that would address both mental health issues and how to slow down a response — when safe — to let time and distance defuse confrontation.
Chicago training academy staff have traveled to both Las Vegas and Los Angeles to observe those departments' efforts. National experts also were brought in to examine and offer feedback on Chicago's curriculum.
Latest Breaking News
There are now hopes to start the department-wide classes "within weeks," Guglielmi said.
Chicago Tribune's Jeremy Gorner contributed to this report.
Twitter @annie1221


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In this video, we learn how to hang outdoor Christmas lights from the experts at Home Depot. First, you want to start out the planning process, and figure out where you want lights to be hung out. Then, decide how many lights you need and what kind you want to use. Then, go and purchase your lights, making sure they are made for outdoor lighting, not indoor. Next, you will be ready to decorate your trees and shrubs since they are the easiest to do. Next, hang the lights on your roof and windows with a nail gun and a ladder. Make sure to turn the lights off at night when you go to sleep, then enjoy these at night with your family!
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William Molloy at International Yacht Register tells me that he's signed the 36.5m motor yacht Secret Love for sale.
Built by Amels in 1990, Secret Love had a major refit in 2005/2006. MCA compliant, her classic maple wood interior was designed by Struik & Hamerslag accommodating eight guests in four staterooms. Twin 680hp Caterpillar engines deliver a cruising range of 4,000 nautical miles.
Lying in Mallorca, Secret Love is asking €6 million.


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Totally clawesome - Holy Crab net a unit in Manchester Arndale
The seafood specialists have landed a new spot in the city centre
The seafood specialists have landed a new spot in the city centre
We talk to Mital Morar about his plans, the neighbourhood and new wave corner shops
It's got your health kick covered (and not just in January)
Music venue to host one-day 'Everything's gone green' food fest this Saturday
Biodynamic wines, flat capped cocktails, oodles of noodles and deep fried stuff
Head to WOLF for a healthy fry-up
What do we want? CARBS. When do we want them? NOW
Gordo wants to know: 'Are you a mug or a Manc?'
Christmas is coming at Seven Bro7hers Brewery
First-class Indian food that looks, feels and tastes like a celebration
Make your party stand out with soulful Indian food from winners of best Street Food...
This time it's posh kebabs, Salford tapas and social darts
Italian Street Food to open in Halle Place this autumn
Eat New York move into relaunched Chorlton Green
This month: Snow Crab, Mekong Catfish and a winner winner chicken dinner
Take a look around the city's new four storey hangout - with NASA approved sound-system...
Jonathan Schofield finds another place to love in Manchester
It'll be Firebird Hope's new home – with added pizza


text:
|Min Yu (HK) Electronic Technology Co., Ltd
|Capacitive Touchscreen
|86-755-8326 9151
|ICP License
|Issued by the Chinese Ministry
General 2G Network GSM 850 / 900 / 1800 / 1900
3G Network HSDPA 900 / 2100
Announced 2008, October
Status Available. Released 2008, December
Size Dimensions 104.5 x 54 x 16.8 mm
Weight 130 g
Display Type TFT capacitive touchscreen, 256K colors
Size 240 x 400 pixels, 3.0 inches
- Full QWERTY keyboard
- Accelerometer sensor for auto-rotate
Sound Alert types Vibration; Downloadable polyphonic, MP3 ringtones
Speakerphone Yes
Memory Phonebook 1000 entries, Photocall
Call records 30 dialed, 30 received, 30 missed calls
Internal 60 MB
Card slot microSD, up to 16GB (verified), buy memory
Data GPRS Class 10 (4+1/3+2 slots), 32 - 48 kbps
EDGE Class 10, 236.8 kbps
3G HSDPA, 7.2 Mbps
WLAN Wi-Fi 802.11 b/g
Bluetooth Yes, v2.1 with A2DP
Infrared port No
USB Yes, v2.0
Camera Primary 5 MP, 2592x1944 pixels, Schneider-Kreuznach optics, autofocus, LED flash
Video Yes, 720x480@30fps
Secondary Videocall camera
Features Messaging SMS, MMS, Email, IM
Browser WAP 2.0/xHTML, HTML
Radio Stereo FM radio with RDS
Games Yes
Colors Black
GPS No
Java Yes, MIDP 2.0
MP3/WAV/AAC/AAC+/WMA/RA/AMR player
- DivX/MP4 video player
- Document viewer (Word, Excel, PowerPoint, PDF)
- TV-out
- Photo/video editor
- Voice memo
BatteryStandard battery, Li-Ion 950 mAh
Stand-by Up to 400 h
Talk time Up to 3 h
Misc SAR US 0.10 W/kg (head)0.35 W/kg (body)
Min Yu (HK) Electronic Technology Co., Ltd
Corporate Policy: exploitation, innovation, excellence, preciseness
Product policy: Technology ,Vogue, Refinement
Strategy: to lead digital video-audio technology and build an international brand
Tactics: to concentrate in the industry and do well section by section, to create nice life with digital technology, to improve quality to win the customers, to progress based on technical innovation and corporate management.
Thank You
Your Enquiry has been sent successfully


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Role: Locum Registered Veterinary Nurse
Type: Small Animal
Location: Sheffield, South Yorkshire
Shifts: Day Shifts
Friday 2nd October
Saturday 3rd October
Wednesday 7th October
Friday 9th October
Out of hours: None
Sole Charge: must be happy with both consults and supporting surgery
Accommodation: TBC
Other Info: Must have own VDS Cover.
Pay Rate: Negotiable / Dependent on Experience
Ref: JN -082020-16036
Interested? Click on the apply button below and we will be in touch with further detail


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Bill Still Report - Polling Analysis #2 – Trump vs Biden, 3271
Bill really gets into the scientific side of polling with maps and charts, but if you use good ole common sense....and Bill does touch on this...Trump will mop the floor with Biden based on the turnout at rallies. It will take massive election crimes to beat Trump unless something big happens.
After Biden clearly goes down in flames, look for the real physical fight to begin and for the full might of law enforcement and possibly military to be unleashed on the insurrectionist traitors.


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- REGION: Capital Region
- GOVERNMENT BODY: U.S. House
- CONTACT: Campaign Website
Paul Tonko
Congressman Paul Tonko is running to represent House District 20 for the 117th Congress. Last year, Tonko was the sponsor of H.R.5530, a bill requiring the Department of Energy to establish a rebate program to promote the purchase and installation of publicly accessible electric vehicle supply equipment. He also sponsored H.R.5544, the bill set to create jobs and drive innovation and economic growth in the United States by supporting and promoting the manufacture of next generation technologies. Tonko received a 100% on the 2019 National Environmental Scorecard and has a Lifetime score of 97%. On the endorsement questionnaire, Tonko has committed to working with colleagues to build consensus to urgently advance climate priorities.


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- Assured$200
- Entries83
- Creatives27
- Feedback/StatsGood
Tell us what you need
What is the exact name you would like in your logo?
JC Law Offices
What is your industry?
What are the top 3 things you would like to communicate through your logo?
An eye-catching logo that identifies our law firm with a unique mark. The logo should incorporate the initials "JC." The logo should convey professionalism, confidence and class. Maybe an element of "hip" but not glib or silly youthfulness.
What logo styles do you like (image + text, image only, text only, etc.)
image and text.
Do you have any other info or links you want to share?
I am thinking of the initials either intertwined somehow or standing next to each other as part of the logo. But I am open to other concepts.
No Files Added


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Parliamentary report recommends actions to improve work–life balance
The Spanish parliament has recently approved a report on the regulation and adaptation of working time and work flexibility in Spain, aimed at reconciling work, family and personal life. This report underlines the existing gender-related differences with regard to work–life balance and provides a number of recommendations for improving the situation, both for public institutions and private enterprises.
In April 2007, the Spanish parliament (Congreso de los Diputados) approved a report (in Spanish, 657Kb PDF) with policy proposals on the regulation and adaptation of working time regulation and work flexibility in Spain. The overall aim of the report is to address the issue of reconciling work, family and personal life in a balanced way. The report analyses the concept of work-life balance and provides an in-depth review of the current situation, highlighting those elements that underline the extent of the problem in Spain (see also the EWCO article 'Working time organisation under review', ES0603019I).
Furthermore, the report examines the existing regulatory framework and presents an extensive list of recommendations for improving the situation, both for public institutions and private enterprises. A specific parliamentary commission compiled the report from research and information, as well as from hearing a large number of experts on the subject.
Gender-related differences in use of time
The report understands the need to recognise work–life balance in a comprehensive way. Such an approach requires arrangements to reconcile work with other elements of a person's life to allow for the full development of individuals, including family life and personal development with regard to education and leisure time.
It is recognised that the problem of successfully reconciling work and other aspects of life is particularly difficult for women. This is due to the fact that Spanish society continues to develop along the lines of a traditional social model which is based on a distinct gender division of roles: women are expected to assume the family and household duties while men are mainly devoted to productive activities, that is, gainful employment.
In this context, the report identifies three main gender-related differences in the use of time:
- for men, the time devoted to work determines the time devoted to family tasks, whereas the opposite is usually the case for women;
- for women, time is usually understood as a continuum, with no clear separation between work and leisure time, while this distinction is much clearer in the case of men;
- for women, time is often organised according to the interest of others – so-called 'heteronomous' time – while men are usually much more autonomous in organising and distributing their own time.
This societal model is currently regarded as unsustainable due to the substantial integration of women into the Spanish labour market. The report highlights the fact that Spanish women still devote three hours more a day to home and family-related obligations than their male counterparts do. As a result, women have less time available for leisure activities and for skills development.
Awareness of the value of reconciling work and family life
To date, the Spanish employment rate of men is slightly higher, at 73.8%, than the European average of 72.7%, while the employment rate of women remains 8.5 percentage points below the European average. More than 90% of men who have children work, while only 40% of women who have children work. In this instance, it should be noted that up to 80% of current part-time employment contracts in Spain are held by women. The difficulty of reconciling work with family life may explain, among other elements, why the Spanish fertility rate is one of the lowest in Europe, with about 1.3 children per woman.
The report underlines that public authorities and employer and employee representative organisations are increasingly paying attention to work–life balance issues aimed at reconciling work and family life. From the employers' perspective, companies are becoming more aware of the positive effects on productivity derived from both a positive corporate image and a satisfied workforce resulting from work–life balance measures. However, this perception is not yet sufficiently widespread.
It is also worth noting that the social partners are gradually including more provisions related to work–life balance issues in their collective agreements. In 2006, up to 17% of the collective agreements allowed for flexibility in the annual distribution of working time, and 20% of the agreements provided for flexibility with regard to start and end times. In any case, there is still room for improvement.
Policy recommendations
Against this background, the report identifies 18 recommendations for public authorities and the social partners in the following areas:
- time use – fostering co-responsibility attitudes, adapting leave provisions for maternity and paternity leave, as well as for care of elderly and disabled people, and initiating gender equality measures;
- organisation of working time – launching a general revision of working time organisation, adopting working time control measures to avoid exhaustion or burnout, implementing flexibility measures and promoting part-time work;
- care provision – offering social care and care services for children and other dependent family members.
Iñigo Isusi and Antonio Corral, IKEI


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Welcome to CircuitLib.com, the Electronic Circuits Library. Let's share our Knowledge with hobbyists, individuals, groups and students as widely as possible! Navigate to our pages and discover many novel electronic circuits. The electronic library is regularly refreshed with new circuit schematics, complete electronic projects, tutorials and links for junior and senior courses in electronics engineering. We emphasize on constantly working to produce innovation and present new knowledge, ideas, and vision.
IR remote control
You can Do It Yourself: A 5-channel IR remote control system (transmitter & receiver). The system uses the RC5 transmitting protocol which is probably the most used by hobbyists. The remote control transmitter is based on a PIC12F617 microcontroller and the receiver is based on the popular PIC16F84A.
Stereo VU meter
This is a stereo volume unit (VU) meter for audio equipment. You will love it because besides being useful it also looks great! The circuit senses audio levels and drives 20 LEDs on 2 bar-graphs, providing a 2 -channel (stereo) logarithmic 3 dB/step analog display. The circuit has high input inpedance and it is able to accept any signal level.
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XINING, China, Jan. 17 (Xinhua) — Ever since Beijing and Zhangjiakou won the bid to jointly host the 2022 Winter Olympic Games, winter sports have become increasingly popular in China.
Along with the first snow, various kinds of winter activities are being carried out in northwest China' s Qinghai province.
On the first day of 2018, a climbing activity was held at the Climbing and Fitness Conference in Qinghai. The event was held in Menyuan Hui Autonomous County, attracting hundreds of climbers from all over China.
"I hope climbing for fitness will become a habit for all people," said Cai Rangtai, the director general of the Qinghai Sports Bureau.
"Compared with the experience in summer, riding in winter brings a different feeling to me. Resting at home is not the only choice for the old," said Wang Tie, who retired in 2013.
Conquering a snowy mountain has become a very appealing choice for outdoor sports enthusiasts.
Because of the average altitude of over 4,000 meters, Qinghai is blessed with abundant ice and snow in winter, making it an ideal destination for climbers.
Now, in many cities like Lhasa and Xining, several gyms are being built and are open to residents. This enables people to do different kinds of winter sports.
In rural areas, though the land and mountains are covered with thick snow, the locals still warm themselves by performing folk dances.
"People in remote areas have kept the custom of the folk dances, and they have their own ways of keeping fit in winter," said Fan Zhenqiang, the secretary in Tibet Autonomous Region Sports Bureau.
In addition to a growing passion for fitness, Qinghai is also responsible for conducting two annual international winter sports competitions, the Qinghai International Curling Competition and the Qinghai International Extreme Race of Winter Swimming across the Yellow River. These events help to brighten the cold winter in the Qinghai-Tibet plateau. The local government is making efforts to integrate sports and tourism in order to boost the sports industry in the Qinghai-Tibet plateau.
"Qinghai will keep tapping into its advantages in ice and snow resources and [we will keep] promoting winter sport to develop the local economy as well as enrich people's lives in winter," said Cai Rangtai.


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Free NHL Hockey Prediction: Kings vs Wild NHL Odds
Looking for Los Angeles Kings vs. Minnesota Wild free hockey plays & NHL Odds? NHL betting sees the Kings taking on the Wild on Tuesday January 15th at the Xcel Energy Center in Minnesota. Cappers Picks provides complimentary expert handicapping picks on all NHL Hockey games all season long so stay tuned for more FREE daily NHL hockey predictions like this Kings Wild matchup.
(18-25-3) Los Angeles Kings vs. Minnesota Wild (22-19-2)
Date: Tuesday, January 15th
Time: 8 PM
Venue: XCel Energy Center, St. Paul, MN
NHL Hockey Moneyline Odds: Wild -205
NHL Hockey Puck Line Odds:
NHL Betting Total: 5.5
Live NHL Odds
Updated Sportsbook Bonuses For Today
Click here to view… NHL ATS Stats & Expert NHL Betting Insight!
The Wild aren't enjoying the home ice advantage that they once did, going just 11-8-2 in St. Paul. The Wild have dropped 5 of 6 at home but that can't continue Tuesday vs. the lowly Los Angeles Kings…can it? LA is struggling to find offense but Minnesota is going to be playing in leg two of a back-to-back.
Los Angeles Kings
The Kings aren't absolutely horrible on the road – scoring wins over Colorado and Vegas through their last four away from LA. With Minnesota playing in the 2nd half of a B2B, it's the perfect time for the Kings to tally their 3rd win in the last 7 games.
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Jonathan Quick will likely be in net for the Kings as LA has two nights off since their last game. Quick has been solid lately with a 6-3-1 record over his last 10 decisions. 6 opponents over that span have been held to 2 goals or less.
Minnesota Wild
Minnesota is going to be in a tough spot on Tuesday, playing a night after their contest in Philadelphia. The matchup with the Kings will be the Wild's 3rd game in 4 nights and 4th in their last 6 days. Minnesota is just 1-5 the last six games in that trend.
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Besides fatigue, another downfall of playing so many games over such a short span is goaltender depth. Devan Dubnyk is probable for Monday which means Aled Stalock gets the nod Tuesday. Stalock could be rusty with his 1st start in two weeks.
NHL Betting Trends:
- Kings are 3-8 their last 11 road games
- Wild are 1-5 their last 6 home games
- Home team is 7-2 the last 9 meetings
- Kings are 1-5 the last 6 in Minnesota
Free Los Angeles Kings vs. Minnesota Wild NHL Prediction:
There's not a whole lot of value with Minnesota playing in the B2B with a line of -205. Minnesota will be going with their backup goaltender and has been struggling on offense as is. The Kings have a couple road upsets on their resume over the past two weeks and they have a great chance at doing it again in St. Paul.
4* Free NHL Betting Pick: LA Kings +170
The schedule catches up to Minnesota in this one and they've been a bit shaky at home regardless.
NHL Free Score Prediction: Los Angeles 4 – Minnesota 2
If you're looking for more NHL picks like this Los Angeles Kings vs. Minnesota Wild matchup we'll be providing 4* free NHL predictions on the blog during the entire 2019 NHL season, and check out our Experts for guaranteed premium & free NHL Hockey picks!
CappersPicks.com has NHL odds up on a ton of futures, and you will also find NHL lines up for early games as well.
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The Boston Human Rights Commission is being reactivated after over a decade of being dormant in an effort to support the city's immigrant communities, Mayor Marty Walsh said Monday.
Walsh had announced the move in his State of the City speech in January. The seven-member panel will be led by former State Rep. Evandro Carvalho.
"As attacks on human rights continue from the highest levels of our country, here in Boston, we're committed to preserving and advancing human rights, including in our immigrant communities," Walsh said in a statement.
In-depth news coverage of the Greater Boston Area.
The commission was originally created in 1984 to study discrimination in the city and recommend changes to the mayor. It could hold hearings and compel people to testify, as well as issue reports and investigations.
But it last met in 1996, according to the mayor's office.
Carvalho served as an assistant district attorney for Suffolk County before going on to the legislature. He is an immigrant himself, born in Cabo Verde but graduating from Madison Park High in Roxbury after moving to Boston when he was 15.
"At this time in our country, I'm proud Boston has doubled down on our commitment to protect and advance the rights of all people," Carvalho said in a statement.
The move comes amid a spate of actions taken by the Trump administration to limit protections for immigrants in the United States.
On Monday, Boston immigration lawyers and advocates criticized federal immigration authorities for no longer granting special status to foreigners seeking to remain in the U.S. for medical treatment, while Massachusetts Attorney General Maura Healey joined 18 others to challenge the government on how long immigrant children can be kept in detention.


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SEYMOUR, Ind. (AP) – Authorities have shut down both lanes of Interstate 65 in southern Indiana after a fiery crash involving three semitrailers spilled hazardous chemicals and prompted evacuations.
Indiana Stata Police say the crash occurred about 4:30 a.m. Wednesday about 40 miles north of Louisville, Kentucky, when one of the semitrailers struck the rear of two others that were stopped for a previous crash.
Sgt. Stephen Wheeles says the collision caused one of the trailers to leak hazardous chemicals, and eventually at least one of the rigs caught fire, sending black smoke billowing into the air.
The crash occurred along a rural stretch of the highway surrounded by farm fields and a horse farm, but authorities evacuated homes within a half mile as a precaution.
Wheeles says the crash injured one person.
Copyright 2018 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Advertisment About us|Log inSector|Region RSS Renowned restaurateur to launch multi-experiential space in JanuaryTesco to cut plastic packaging for fresh chickenAK Petrol Group snaps up three forecourtsNew report reveals devastating impact of pandemic on coastal & lakeside regionsBelhaven ale wins bronze at Scottish Beer AwardsACS says alcohol duty should not be determined by place of retailOpso to unveil winter terrace next weekHawthorn reports returning to profitability within month of reopeningFullers loses £22m in latest resultsBespoke Hotels chooses Access Hospitality for Purchase to Pay solutionBorough Market to launch event series with celebrity chefs & food expertsRBH signs management deal for Heathrow T5 hotelLVA says government measures shows lack of trust in publicans, staff & customersMorrisons helps egg farmers create biodiverse farmland for free-range hensTravelodge retains its strong network of hotelsCountry Creatures to open Cotswold inn next FebruaryM&B axes 1,300 jobs after annual loss of £123mZia Lucia to launch 5th London site in December & craft beer rangeNew customers flock to local stores thanks to new Henderson appDeliveroo welcomes Claudia Arney as first ChairBBPA says news tiers will see 30,000 English pubs remain closed or made unviableCasacosta restaurant & shop opens in Fulham next month£1.9m Grimsby hotel comes to marketSkylight Christmas at Tobacco Dock set to launch next week Angela Hartnett & Tom Cenci join Dishpatch for NovemberAngela Hartnett's Café Murano and former Loyal Tavern and Duck & Waffle head chef Tom Cenci are among the new names joining the menu line-up for November from feast-box delivery service Dishpatch, on sale from Thursday 29 October. They are joined by hit Borough Market taqueria Tacos Padre, one of the first restaurants to feature on Dishpatch when it launched in August, returning for this month. With 10 Greek Street, Bubala, Andrew Edmunds, Crispin, Farang and Supa Ya Ramen they take to nine the number of menus available, all serving two people, ranging in price from £31 to £55 and delivered on Fridays from 6 November. It's the most menus offered by Dishpatch to date, a sign of the platform's increasing importance to restaurants facing the challenges of tier and curfew restrictions. Café Murano's Italian menu comprises salami, pickled vegetables, olive oil; pumpkin and ricotta cannelloni; braised lamb neck, salsa verde & confit cabbage; and vanilla panna cotta with poached plums. Tom Cenci's vegan feast meanwhile features roast heritage carrots, cashew ricotta, orange dressing, vadouvan; 'meatball' ragú, creamed coconut polenta, verbena harissa, toasted coconut; and pumpkin pie cheesecake, maple pecan crunch. It also includes a bonus breakfast dish from Cenci's current residency at Stoney Street, five-grain porridge with quince compote and coconut & bergamot yogurt. Founded by Nicholas Fitzgerald, whose passion for Mexican food was sparked by a stage at renowned Mexico City restaurant Pujol, Tacos Padre's box will contain cochinita pork tacos, tortillas, habanero guacachile, red onion, fiery xni pec salsa and lime. Thai favourites Farang have devised a new feast of which the centrepiece is Massaman of braised whole duck legs, pineapple & seasonal vegetables, while 10 Greek Street seek to banish the winter blues with short rib, curly kale, confit potatoes, carrots and parsnips and a pudding of poached quince, polenta, almond cake. Beloved Soho stalwart Andrew Edmunds is serving carrot & chestnut soup, braised lamb & sweet potato mash and apple crumble, while the focus from Crispin is on heart-warming Italian favourites including ribollita and wild boar tagliatelle. Bubala has created both a vegetarian and vegan Middle Eastern meze menu, and cult supperclub Supa Ya Ramen returns for November with a chicken broth ramen and selection of sides. With curfew and tier restrictions piling yet more pressure on an already beleaguered restaurant industry, Dishpatch is more than ever proving its value to the restaurants and chefs it supports. Tom Trubshaw of Andrew Edmunds said, 'With so much uncertainty around what restrictions might be in place from one week - and even one day - to the next, Dishpatch means we can take our food into people's homes if they can't come to us.' Pete Butler and James Terry said, 'Dishpatch was born out of adversity and while the new restrictions have come as a huge blow we're glad that, having expanded our roster of restaurants yet further for November, we're able to support more of them through the tough times ahead.'29 October 2020 | 1233 ReadsDISPATCH, LONDONLatest NewsCompany NewsEvents CalendarIndustry NewsConsumer TrendsMenu Trends & InsightsNew OpeningsAwards WinnersMost readDishoom launches first delivery kitchen outside London in BrightonGreene King CEO says COVID-19 Winter Plan unfairly singles out pubsSodexo launches package of student lockdown solutionsBrakes launches bigger second Virtual Food EventGrubie to launch mid-January connecting home cooks with localsWinners revealed for Scottish Gin AwardsClosing time extended to 11pm in England but tier 2 still clobbers wet-led pubsRegional summary


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BOROKHOVICH et al v. BANKERS STANDARD INSURANCE COMPANY et al
ATTENTION: It is possible that this information may no longer be current and therefore may be inaccurate. The index contains both open and closed cases and is not a complete list of cases in which an ACE Insurance Group company is involved. This information is provided to give interested persons an idea of the issues disputed in the indexed cases. For a full understanding of a case, one should read the rest of the court file, including the response. For the most up-to-date and complete information on a case, visit www.pacer.gov or contact the clerk of the relevant court.
PLAINTIFFS, ELENA BOROKHOVICH and GENNADY BOROKHOVICH
("Plaintiffs" or the "Borokhovichs"), by their attorneys, Pinczewski & Shpelfogel, P.C.,
complaining against the defendants, BANKERS STANDARD INSURANCE COMPANY and
BANKERS STANDARD INSURANCE COMPANY d/b/a ACE GROUP a/k/a ACE
PRIVATE RISK SERVICES (hereinafter collectively referred to as "Defendants"), alleges as
1. The Borokhovichs' home, located at 1310 Seawane Drive, Hewlett Harbor, New York
11557 (the "Premises"), was ravaged by fire on or about February 10, 2013 (the "Fire").
2. The Fire severely damaged much of the Premises' structure, as well as its expensive,
custom furnishings, and its contents.
3. The Premises was insured by a policy of insurance Plaintiffs had purchased from
4. Not only have Defendants failed to make covered payment under the Policy, they have
acted and continue to act in bad faith in delaying the adjustment and payment of every portion of
the Borokhovichs' insurance claim.
5. As a result of Defendants' bad faith delay in timely and fully adjusting and paying the
Claim, Plaintiffs have been forced to continue to live in inadequate conditions, almost two years
after the Fire.
6. Now, Defendants' delay has resulted in the Premises being condemned by the local
village and faceing imminent demolition.
7. The Borokhovichs bring this action in order to recover the proceeds of the Policy they
had contracted for, allowing them to rebuild their home and lives. Plaintiffs demand that
Defendants be held accountable for their chronic and deliberate pattern of bad faith insurance
8. Plaintiffs ELENA BOROKHOVICH and GENNADY BOROKHOVICH, at all times
hereinafter mentioned, were and are individuals over the age of 18, residing in the State of New
York, County of Nassau.
9. Defendant BANKERS STANDARD INSURANCE COMPANY is an insurance
company and is a foreign corporation duly organized and existing under the laws of the State of
Pennsylvania, with its principal place of business located at 436 Walnut Street, Philadelphia,
Pennsylvania 24153.
10. Defendant BANKERS STANDARD INSURANCE COMPANY d/b/a ACE GROUP
a/k/a ACE PRIVATE RISK SERVICES is an insurance company and is a foreign corporation
duly organized and existing under the laws of the State of Pennsylvania, with its principal place
of business located at 436 Walnut Street, Philadelphia, Pennsylvania 24153.
11. Defendants are authorized to do business in the State of New York, write policies of
insurance for insureds throughout the State of New York, and wrote the policy of insurance that
is the subject of this action.
12. This Court has jurisdiction over this matter pursuant to 28 U.S.C. § 1332(a)(1) in that
Plaintiffs and Defendants are citizens of different states and the amount in controversy exceeds
13. Venue is proper in this judicial district pursuant to 28 U.S.C. § 1391(a)(2) because the
loss property is located in this judicial district and the events giving rise to this action
substantially occurred in this judicial district.
14. The Borokhovichs are married and have two children. The Borkhovichs' home was
severely damaged by the effects of Super Storm Sandy ("Sandy") on October 29, 2012.
Following the trauma of Sandy, with the Premises being without heat and being otherwise
inadequate for daily living, Plaintiff Elena Borokhovich took the couple's two children and
temporarily relocated to Florida to be in a warmer climate, while her husband presided over the
insurance claims process and adequately restored their home so Elena and the children could
return to the Premises. Plaintiff Gennady Borokhovich continued to reside in the Premises in
order to watch over it and keep it secure.
15. On or about the evening of February 10, 2013, a portable space heater that Plaintiff
Gennady Borokhovich was using to stay warm caused a Fire. The Fire and subsequent
intervention by the local fire department caused widespread damage to the Premises, including
but not limited to the Premises' structure, finishes, custom furniture, and personal contents.
16. Plaintiffs purchased a policy of insurance, bearing policy number 268011551 (the
"Policy") from Defendants, insuring the Premises from fire damage.
17. Plaintiffs made timely payments of the premiums due under the Policy and the Policy
was in full force and effect at the time of the damage complained of herein, with a term from
June 5, 2012 through June 5, 2013.
18. After being timely notified of Plaintiffs' claim ("Claim"), Defendants engaged and
continue to engage in a never-ending pattern of delay tactics aimed at wrongfully denying
Plaintiffs the coverage they are entitled to under the Policy.
19. The Policy provided coverage of up to $2,153,000.00 for damage to the Premises and
loss of its use, and up to $1,507,000.00 for damage to personal property located at the Premises.
20. The Policy provided coverage for "Additional Living Expenses" so that the
Borokhovichs would be able to maintain their normal standard of living in the event a loss event
rendered the Premises unfit to live in.
21. Defendants did not adjust the Claim or make payment thereunder but instead demanded
to take an Examination Under Oath ("EUO") of Plaintiff Gennady Borokhovich. Defendants
took Mr. Borokhovich's EUO on or about November 26, 2013.
22. The EUO, taken more than nine months after the Fire, was unfounded and unnecessary,
and just but one of Defendants' innumerable delays, intentionally aimed at forcing the cash-
strapped Plaintiffs to accept a meager and insufficient amount as full satisfaction for the Claim.
23. After the Fire, Plaintiffs needed to relocate as the Premises was unfit to live in. They did
not have the liquid funds needed to outlay for rent for living accommodations comparable to the
Premises, which they were entitled to under the Policy provision for Additional Living Expenses.
24. Defendants initially denied the Borokhovichs' claim for Additional Living Expenses by
stating that the damages caused by the Fire did not trigger the Policy's loss of use provision.
25. Without funds from Defendants for Additional Living Expenses, Plaintiffs were forced to
rent a small home, far beneath the size and standard of the Premises, while Defendants continued
to "adjust" the Claim.
26. Plaintiffs were entitled to payment from Defendants for the cost to rent a replacement
home comparable to their own.
27. Defendants waited for nearly two months after the EUO, until January 16, 2014, before
writing Plaintiffs asking that they provide Claim documentation, including documentation
irrelevant to the Claim and meant to harass Plaintiffs and unnecessarily complicate the Claim
28. On March 21, 2014, some thirteen months after the Fire, Defendants wrote to Plaintiffs
advising them that they would be contacted "in the coming days" about an additional inspection
of the Premises by an "independent building contractor."
29. On March 21, 2014, Defendants represented that they were still "investigation this
[C]laim under a full reservation of all its rights."
30. Defendants waited until the very end of April 2014, almost fifteen months after the Fire,
before making the first partial payment to Plaintiffs for Additional Living Expenses to cover
their replacement rental. Not only was the payment for Additional Living Expenses not
commensurate with the rental price for a property of like kind, to which Plaintiffs are entitled
under the Policy, Defendants' payment was for only seven month's rental, whereas Plaintiffs had
been displaced for approximately fifteen months at that time.
31. At the end of May 2014, approximately 16 months after the Fire, Defendants issued an
"advance payment" to Plaintiffs to "commence repairs on 1310 Seawane Drive."
32. Over the many months of Defendants' repeated delays and unreasonable and harassing
requests from the Borokhovichs for documentation, all of which Plaintiffs painstakingly tried to
cooperate with in good faith, Defendants tried to intimidate and prejudice the Borokhovichs by
threatening them that it "will deem the absence of additional information or materials… as an
acceptance" and Defendants' adjustment of the Claim.
33. On June 10, 2014, almost three months after it notified Plaintiffs that it would have the
Premises inspected by an independent contractor, Defendants' contractor, Greg Wood,
conducted an inspection to determine the scope of damage to the structure of the Premises.
Most, if not all, of the custom furniture that was damaged as a result of the Fire was on the
Premises site at the time of Mr. Wood's inspection yet Mr. Wood did not inspect said furniture.
34. Defendants subsequently issued a report, purportedly prepared by Mr. Wood, in which
Defendants concluded that the damage to the Premises structure amounted to approximately half
of the Plaintiffs' estimated damages for same.
35. In June 2014, Plaintiffs notified Defendants that they had located a rental that would
provide acceptable living accommodations, comparable to the Premises, and asked Defendants to
confirm that it would make payment for the replacement rental.
36. Defendants continued their pattern of unreasonable delay, refusing to confirm that it
would cover the replacement rental until it was too late and the rental property that the
Borokhovichs had procured was no longer available, despite Plaintiffs' repeated entreaties that
they needed Defendants' response or they would risk losing the rental.
37. In August 2014, Defendants finally issued partial payment for some of Plaintiffs'
personal contents, along with an estimate of items. The estimate blatantly omitted numerous
items submitted by Plaintiffs. Plaintiffs alerted Defendants to its adjusting omission and, despite
repeated requests by Plaintiffs, Defendants have yet to revise their adjustment or advise Plaintiffs
of the reason(s) for the omissions.
38. In August 2014, seventeen months after the Fire, Defendants requested, for the very first
time, to inspect the custom furniture "millwork" that had been damaged by the Fire and its
aftermath. Not only was this the first instance in which Defendants demanded an inspection of
the millwork, but they had numerous previous opportunities to do so, including on June 10,
2014, when Mr. Wood inspected the Premises. (See ¶ 33, infra).
39. On October 6, 2014, Defendants' contractor, Robert Lord, inspected the millwork and
issued a report dated the same day, which understated the replacement cost for the damaged
millwork. Incredibly, whereas the most serious damage took place in the Borokhovichs'
daughter's room, Mr. Lord's report completely omitted that room from the estimate. Despite
being notified by Plaintiffs of their daughter's room's omission from Mr. Lord's estimate,
Defendants have yet to revise the estimate to include it.
40. Also on October 6, 2014, Mr. Wood, Defendants' contractor who had previously
inspected the Premises on June 10, 2014 to evaluate the extent of the damage, re-inspected the
Premises; Mr. Wood subsequently issued a report with revised damages figures, upward
adjusting his previous estimate to almost the exact figures submitted by the Borokhovichs'
contractor for the cost of repair. Mr. Wood's revised report, dated October 16, 2014, was
produced to Plaintiffs on November 5, 2014, but to date Defendants have not made the additional
payment due under their own contractor's estimate.
41. From the Claim's inception through the current day, Defendants have continuously and
unreasonably delayed and procrastinated the adjustment and payment process of this Claim,
finding every opportunity to filibuster and hinder the resolution of the Claim.
42. Defendants' intentional bad-faith conduct in unreasonably delaying and/or denying
portions of the Claim has not only left Plaintiffs without the ability to rehabilitate their home and
move back into it, but also leaves them with the prospect of having their home destroyed.
43. By letter dated August 1, 2014, the Village of Hewlett Harbor (the "Village") notified the
Borokhovichs that the Premises had been condemned and would razed due to its remaining in
unrepaired condition for such an extended period of time, and advising the Borokhovichs that
they will be responsible for all of the Village's costs and expenses incurred in connection with
the condemnation and demolition, including the Village's own attorney fees.
44. The Borokhovichs promptly notified Defendants of the Village's letter, pleading with
them to resolve the claim so the Plaintiffs could attempt to rehabilitate the Premises and avoid
further action by the Village.
45. Notwithstanding the Borokhovichs' repeated entreaties, Defendants did nothing. Instead,
they waited until October 6, 2014 to have Mr. Wood re-inspect the Premises and revise his
46. Without the funds necessary to adequately repair the damage to their home, the
Borokhovichs are faced with its impending demolition.
47. After going through the effects of Hurricane Sandy and then having their home and
possessions destroyed by the Fire, the Borokhovichs have been forced to live in sub-par
conditions for almost two years as Defendants slowly wind their way, without course, through
their never-ending "adjustment" of the Claim, in what is, at best, an intentional tactic of delay
and underpayment aimed at exhausting the Plaintiffs to the point of simply accepting
Defendants' underpayment and lack of payment of insured losses.
48. Finally, due to Defendants' inexcusable bad-faith delay, the Borokhovichs stand to lose
their home to their village's condemnation of the Premises, a development that resulted
proximately and consequentially, and foreseeably to Defendants, from the close to two-year
delay in repairing the Premises.
49. It is inconceivable that Defendants could take the hefty insurance premiums paid by the
Borokhovichs for years yet blatantly, recklessly and intentionally, retard the Claim's adjustment
and payment, while knowing full-well of the catastrophic, consequential damages to the
Borokhovichs that would result therefrom.
50. In addition to the compensatory and consequential damages suffered by the
Borokhovichs, and in order to deter other insurance companies from engaging in bad faith
insurance practices and denials, Defendants should be punished through the imposition of
punitive damages against them. It is only through being held accountable for their fraud and
misconduct that Defendants and others similarly inclined will refrain from acting in bad faith in
wrongfully denying insureds' claims.
51. Plaintiffs hereby incorporate by reference as if fully set forth herein all of the preceding
52. Plaintiffs and Defendants entered into a contract when Plaintiffs purchased, and
Defendants issued, the Policy.
53. The Policy provided coverage to Plaintiffs for physical damage to the Premises and its
contents, as well as for Additional Living Expenses, caused by Fire.
54. Plaintiffs fully performed under the contract by paying all premiums and cooperating
with Defendants regarding the Claim. Plaintiffs complied with all conditions precedent to their
recovery herein, including appropriate and adequate demands, or Defendants waived or excused
such conditions precedent.
55. Defendants failed to perform and materially breached the insurance contract when they
wrongfully failed to pay and refused to reimburse Plaintiffs the monies they are owed for
damaged to the Premises and its contents, and for Additional Living Expenses.
56. As a result of Defendants' breaches of contract, Plaintiffs suffered damages.
57. Plaintiffs hereby incorporate by reference as if fully set forth herein all of the preceding
58. Every contract contains the implied covenant of good faith and fair dealing, by which the
contracting parties agree to act in good faith and deal fairly with one another, and abstain from
engaging in bad faith and unfair dealing that would deprive the other party of the benefits of the
insurance contract or cause undue hardship or harm. It also requires an insurer, inter alia, to
investigate claims in good faith and to reasonably and promptly pay covered claims.
59. As described above and throughout this Complaint, Defendants repeatedly acted in bad
faith in the administration and denial of Plaintiffs' Claim.
60. As a result of Defendants' breach of the implied covenant of good faith and fair dealing,
Plaintiffs suffered damages.
61. Plaintiffs were denied their legitimate claim for policy benefits, resulting in a loss in
excess of $750,000.00.
62. By virtue of their various breaches of contract, including their failure to fully reimburse
the Borokhovichs for their covered losses, Defendants are liable and owe Plaintiffs for the actual
damage the sustained as a foreseeable and direct result of the breach, all costs associated with
recovering, repairing and/or replacing the covered properties, together with interest and all other
damages Plaintiffs may prove as allowed by law. Plaintiffs are entitled to compensatory and
consequential damages, in an amount to be determined at trial, together with pre- and post-
judgment interest at the maximum rate allowable by law.
63. Plaintiffs demand a trial by jury in this action.
WHEREFORE, Plaintiffs respectfully request that this Court order relief in their favor and
further request judgment against Defendants as follows:
A. Finding Defendants liable for breach of contract and for breach of the implied covenant
of good faith and fair dealing;
B. Declaring that Defendants acted in bad faith in its investigation, administration, and
denial of Plaintiffs' Claim;
C. Declaring that Plaintiffs are entitled to be compensated from the time of loss in the
amount equal to the market rental value of their property or one of like kind;
D. Awarding to Plaintiffs compensatory and consequential damages against Defendants, in
an amount to be determined at trial, together with pre- and post-judgment interest at the
maximum rate allowable by law;
E. Awarding to Plaintiffs punitive damages against Defendants;
F. Awarding to Plaintiffs the costs and disbursements of this action, including the award of
reasonable fees and expenses of Plaintiffs' counsel and experts; and
G. Granting Plaintiffs such other relief as this Court deems just and proper.
The provided text is an excerpt from a document filed in this case. For a full understanding of the case, one should read the complete court file, including the response.


text:
CONCEALING information on stimuli to foreign investors coming to Slovakia violates the law on the free access to information, claims a recent analysis prepared by the country's Justice Ministry.
The document raised temperatures within the ruling coalition after Justice Minister Daniel Lipšic said the government should declassify information on the state stimuli. He argued that the ministers might violate the law by keeping the information confidential.
"I think that publishing the information on the stimuli is not a matter of the cabinet deciding on the issue, but rather respecting the law," Lipšic said.
Originally, the Economy Ministry had requested that the information on investment stimuli to foreign companies be classified based on the request of investors.
Lipšic's move angered Economy Minister Pavol Rusko, who said he did not oppose the content of the analysis but rather the way it was presented.
"It should have been submitted as a joint document, not presented in the media as something that could somehow alter the [Economy] Ministry's decisions," Rusko told the news wire TASR.
The Justice Ministry defended its procedure.
"The legal analysis is published and freely accessible on the internet site of the Slovak Cabinet Office and the Justice Ministry. At the same time, Minister Lipšic informed the members of the cabinet that he was preparing and planning to submit a legal analysis on publishing materials submitted to the cabinet. Over the past week, no one from the Economy Ministry has contacted the Justice Ministry about the analysis," Justice Ministry Spokesman Richard Fides told The Slovak Spectator.
According to the analysis, even if an investor requests to have the details of a contract classified, the Economy Ministry should not automatically meet the request and ought to explore which parts can be classified based on the valid legislation. The contracts cannot be classified in their entirety but only classified information blacked out.
Currently, classified information, personal data subject of the privacy act, data that is protected by business confidentiality, and information that pertains to court proceedings or criminal prosecution can be kept out of the public eye.
Earlier this year, when media demanded that the contract with Korean carmaker Kia be made public, Rusko argued that it was simply impossible to declassify the contracts in their entirety, as it would violate business confidentiality.
Lawyer Tomáš Kamenec told the daily SME that the cabinet should publish all materials, and not only those that will be discussed in the future. This would practically impose the duty to disclose the Kia contract on the cabinet.
Finance Minister Ivan Mikloš, a member of the ruling Slovak Democratic and Christian Union (SDKÚ) agrees that there is a need for clear rules in the field.
"I too see it as problematic that no rules exist governing what may and may not be disclosed," said Mikloš.
According to Mikloš, the situation is more complicated than the declassification of contracts.
The ruling coalition council meeting on June 1 agreed that experts of the ministries of justice and economy led by Jan Hrubala, the director of the Cabinet Office's Department of the Fight Against Organised Crime, would discuss the analysis.
"The Justice Ministry will incorporate the acceptable comments into the legal analysis. In the event that the Economy Ministry comes up with unacceptable claims, minister Lipšic will submit the analysis to the cabinet in its original wording," said Fides.
However, Rusko says that the document should not only reflect the stand on the law on free access to information, but also the law on business confidentiality.
Legal experts say that everything pertaining to public funds should be made public, as the money comes from the taxpayers' pocket.
Hrubala does not entirely agree that the ruling coalition should have the decisive word over the analysis. He argued that the document is of a legal and not political nature and that there is no reason to discuss it in a political forum.
Peter Wilfing, a lawyer with the Citizen and Democracy NGO agrees with Hrubala.
"As far as I know, the ruling coalition is to decide over political issues," Wilfing told SME, adding that it was not the coalition council that should rule on whether or not the government adheres to the law.
The Justice Ministry said that there would be a discussion of expert groups.
"For the Justice Ministry it is important that the law on free access to information is respected," Fides added.
7. Jun 2004 at 0:00 | Beata Balogová