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Previous Lesson
Complete and Continue
EFT & Meditation Library (Over 250 EFT scripts & 14 Guided Meditations)
How to get the most from this library
What is EFT/Tapping - a quick recap of the tapping points and how you can create your own scripts
Common questions about EFT & Meditation - check here if there is something you want to know!
How to get in contact with me!
Managing your emotions & energy during the Coronavirus
I feel so unsettled and uncertain
The thought of being trapped in my house, fills me with dread
I'm dreading home schooling my children
Tapping in the positive energy for a healthy body
Tapping in positive energy around healing, growing & expanding
Tapping in self belief
I feel fear about venturing out since the lock down has lifted
I feel like I'm caught in ground hog day
The Quickie Section & Tapping the good stuff in - you only have 3/4 minutes and you need a quick hit!
Feeling flat and demotivated at the start of the day
Tapping in gratitude for love
Tapping in the feeling of trust when it comes to writing
Tapping in clarity and creativity with writing
Tapping in feeling abundant and able to receive
Tapping in positive energy for attracting new clients with ease
Tapping in positive energy for feeling safe to open your heart
Manifesting - I have consistent £10,000 months
I am worthy & deserving of love
I am worthy and deserving of having an amazing life
I've found my voice and I'm speaking my truth
Manifesting a million pounds
Mindset - time to release negativity, victimhood and the feeling of being powerless
EFT and tapping is just nonsense, I'm wasting my time!
I always think the worst and that bad things are going to happen
I can't seem to stop moaning, complaining and generally being negative
I can play the victim
I feel powerless and like nothing is ever going to change
I feel stuck and unable to move forward with life
My dominant energetic vibration is one of lack
I'm sick of my own negativity
I'm in a funk and I don't know what to do about it
I'm ready to throw in the towel
Life is so hard
I don't have enough time or energy
I'm feeling so pissed off
I need to be in control and have all the answers
More money and success is not possible for me - it's not happened for me in the past
I can't have my dream life, others can, but not me
Mindset - I'm struggling to keep the faith that everything will work out
I don't trust the universe
I keep procrastinating
3 EFT scripts for trust - I don't trust myself, others or the universe
Self Esteem, self belief and self doubt
I have limiting beliefs about myself
I fear I'm not enough
I don't believe in myself
I struggle to accept who I am and the person I've become
I have all this self doubt
I'm so tired with trying to be perfect
I'm a perfectionist
I worry what people will think and if they will judge me
I worry I'm not loved or loveable
I need external recognition and validation
I feel like my guides and the universe are not there for me
I keep comparing myself to others (2020)
I have a fear of rejection and not having enough to offer (2020)
Relationships and other people
I have poor boundaries
I'm affected by other peoples negativity
I am a people pleaser
I struggle to let go of emotions and people
I keep picking up other people's anxiety
I fear judgement when I stand in my own power
I struggle to trust people
I can't speak my truth
I have such mummy guilt
I have a fear of commitment
I struggle to trust - others, myself and god/universe
I'm scared I'll never find love again and no one will want me
TRUST - struggling to trust yourself, others and the universe ( 3 EFT scripts)
Money and abundance
Money is controlling my life and choices
I don't have enough money
I can't afford it
I'm sick of worrying about money
You have to work hard for money
I'm scared to raise my prices
Single mums can't be wealthy or financially free
I feel like I don't deserve money
I feel guilty for having money
Money and success comes easily to others
I can't earn enough money doing what I love
You can't have love and money
I waste money on silly things
I'm worried and overwhelmed by debt
I don't trust money
I'm sick of this cycle of feast or famine
I'm worried I'm too expensive
I have such negative views about rich people
Money never sticks around
I have guilt around having money and spending money I didn't earn
I'm scared to earn more money in case it emasculates my partner
I'm sick of working for hard for money - everything feels so diffcult
My energy around money is so needy and desperate
I feel so anxious as I don't have enough money this month
My income is only secondary and insignificant, so I'm blocking myself from earning more
Manifesting £10,000
I don't want to focus on the negative - open me up to more instead
I'm blocking money and success and I've hit an upper limit
Let's manifest £50,000 and clear your energy
I need to manifest an extra £5000 (2020)
I'm a wealthy women & I just manifested £100,000
I'm worried I can't earn big money until I'm clear on my purpose
Food, diet and exercise
I'm addicted to caffeine
I don't have energy without junk food
I'm addicted to sugar
I'm eating foods that affect my energy and motivation
I'm eating foods that don't agree with me
I'm self sabotaging with food, to hide from how I feel
I don't believe I can lose weight, become healthy or sexy
I always feel hungry
I always over eat and drink at the weekends
I can't stick to healthy eating and exercise plans
I'm using weight as a way to protect myself from getting hurt
I don't have the support I need to stick to healthy eating
I'm scared of missing out or going hungry later
I eat when I'm feeling stressed or uncertain about the future
I reach for food when I'm feeling dissapointed, let down or betrayed
I reach for food when I'm lonely
I use food as a treat or reward
I use food as a way to bury my emotions
Your body and physical pain
Anxiety is taking over my life
I keep waking up through the night and I'm exhausted
I can't fall asleep as I have such a busy mind
I worry that I'm not beautiful
I don't derserve to be healthy, slim or attractive
My drinking has gotten out of control
I feel so anxious
Tapping in - my body is healthy & strong
Self sabotage
I keep sabotaging myself
I feel overwhelmed
I feel like I'm always waiting for things in life and I'm getting impatient
I'm sabotaging myself and I know it!
I keep sabotaging when life gets too good
I'm pressure prompted and leave everything to the last minute
I've hit my upper limit in life and business
I'm afraid my success won't last
I'm resisting growth and I'm struggling with up levelling (2020)
Forgiveness and letting go
I need to forgive myself
I need to forgive someone
Feeling hurt and betrayed
I find it hard to let go - helping you let go of people, energy. emotions and clutter
Letting go of when life was easier
Letting go of the past and any traumatic situtaions and events you experienced
Empowerment for the sensitive soul
Other peoples negativity affects me - 2 videos to try!
I'm an HSP/Empath and take on too much from others
I take on the energy, emotions and pain of others
I feel all this responsibility for others
Other people's negative energy is dragging me down
I keep picking up other peoples anxiety
I fear doing meditations and energy work
I feel guilty for taking down time and doing nothing
Challenges of running a business and being an entrepreneur
Entrepreneurs - I don't believe in myself or have enough confidence
Entrepreneurs - I don't feel like I'm enough
Entrepreneurs - Fear of making the wrong decision
Entrepreneurs -I have no idea what I'm doing in my business
Entrepreneurs - I don't have clarity on my ideal client or business
Entrepreneurs - the people around me don't give me enough support of understand what it means to be an entrepreneur
Entrepreneurs - I fear rejection, judgement and criticism
Entrepreneurs - I don't trust my intuition
Entrepreneurs - The fear of failing (UPDATED 2020)
Entrepreneurs - The fear of success
Entrepreneurs - the fear of my body letting me down
Entrepreneurs - I feel like a fraud and an imposter
Entrepreneurs - I feel like a fraud and guilty for charging for my work
Entrepreneurs - I don't have work life balance
Entrepreneurs - I don't have enough clients / I want and need more clients
Entrepreneur - My business is more important than me
Entrepreneur - my passive income products aren't selling
Entrepreneurs - I've hit an upper limit
Entrepreneurs - I have a fear of missing out
Entrepreneurs - I hate launching
Entrepreneurs - I hate selling myself and my products
Entrepreneurs - I'm pressure prompted and leave everything to the last minute
Entrepreneurs - I'm not making the progress I want in my business
Entrepreneurs - I have poor boundaries in my business
Entrepreneurs- When is my big break and success going to happen?
Entrepreneurs - I'm frustrated by the people I work with
Entrepreneurs - I hate selling as I'm worried people will think I'm only after their money
Entrepreneurs - I hate selling in the summer
Entrepreneurs - Nothing is working in my business
entrepreneurs - I want to fil my programs and courses and sell more products
Entrepreneurs - I want more clients, but I don't know how to make that happen
Entrepreneurs - I'm blocking more clients from coming to me
Entrepreneurs - Can I really trust my creativity and intuition
Entrepreneurs - I want to follow my dreams but I'm just so scared
Life purpose / Calling / The mission/Creatives/Artists/Writers/ The universe
I don't know what my purpose is
I have nothing to offer the world and I'm not special or unique enough
I'm not shairng my gifts and talents with the world
I'm not supported by people or the universe
I don't have clarity on my purpose as I don't trust my intuition
I can't make money following my purpose and true calling
The mission feels big and scary
I'm doubting my writing and I'm worried no one will want to write what I have to share
I have a lack of clarity over my purpose and calling (2020)
Guided meditations - infused with energy healing
Energy clearing and helping you to bring in abundance
Forgiving others & letting go
Self forgiveness
Full Moon and New Moon Meditation
Heal Your inner child
Harness your inner power and confidence
A healthy body full of vitality and energy
The Art of Allowing
Cord cutting
Clearing your energy and root chakra work
Open your heart - two meditations
Expansion and trust - perfect to help you with moving through sabotage and the up levelling process
Embrace deep sleep
I feel guilty for taking down time and doing nothing
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Overview of the Vascular System
What is the vascular system?
The vascular system, also called the circulatory system, is made up of the vessels that carry blood and lymph through the body. The arteries and veins carry blood throughout the body, delivering oxygen and nutrients to the body tissues and taking away tissue waste matter. The lymph vessels carry lymphatic fluid (a clear, colorless fluid containing water and blood cells). The lymphatic system helps protect and maintain the fluid environment of the body by filtering and draining lymph away from each region of the body.
The vessels of the blood circulatory system are:
Arteries. Blood vessels that carry oxygenated blood away from the heart to the body.
Veins. Blood vessels that carry blood from the body back into the heart.
Capillaries. Tiny blood vessels between arteries and veins that distribute oxygen-rich blood to the body.
Blood moves through the circulatory system as a result of being pumped out by the heart. Blood leaving the heart through the arteries is saturated with oxygen. The arteries break down into smaller and smaller branches to bring oxygen and other nutrients to the cells of the body's tissues and organs. As blood moves through the capillaries, the oxygen and other nutrients move out into the cells, and waste matter from the cells moves into the capillaries. As the blood leaves the capillaries, it moves through the veins, which become larger and larger to carry the blood back to the heart.
In addition to circulating blood and lymph throughout the body, the vascular system functions as an important component of other body systems. Examples include:
Respiratory system. As blood flows through the capillaries in the lungs, carbon dioxide is given up and oxygen is picked up. The carbon dioxide is expelled from the body through the lungs, and the oxygen is taken to the body tissues by the blood.
Digestive system. As food is digested, blood flows through the intestinal capillaries and picks up nutrients, such as glucose (sugar), vitamins, and minerals. These nutrients are delivered to the body tissues by the blood.
Kidneys and urinary system. Waste materials from the body tissues are filtered out from the blood as it flows through the kidneys. The waste material then leaves the body in the form of urine.
Temperature control. Regulation of the body's temperature is assisted by the flow of blood among the different parts of the body. Heat is produced by the body's tissues as they go through the processes of breaking down nutrients for energy, making new tissue, and giving up waste matter.
What is vascular disease?
A vascular disease is a condition that affects the arteries and veins. Most often, vascular disease affects blood flow, either by blocking or weakening blood vessels, or by damaging the valves that are found in veins. Organs and other body structures may be damaged by vascular disease as a result of decreased or completely blocked blood flow.
What causes vascular disease?
Causes of vascular disease include:
Atherosclerosis. Atherosclerosis (a buildup of plaque, which is a deposit of fatty substances, cholesterol, cellular waste products, calcium, and fibrin in the inner lining of an artery) is the most common cause of vascular disease. It is unknown exactly how atherosclerosis starts or what causes it. Atherosclerosis is a slow, progressive, vascular disease that may start as early as childhood. However, the disease has the potential to progress rapidly. It is generally characterized by the buildup of fatty deposits along the innermost layer of the arteries. If the disease process progresses, plaque may form. This thickening narrows the arteries and can decrease blood flow or completely block the flow of blood to organs and other body tissues and structures.
Blood clots. A blood vessel may be blocked by an embolus (a tiny mass of debris that moves through the bloodstream) or a thrombus (a blood clot).
Inflammation. In general, inflammation of blood vessels is referred to as vasculitis, which includes a range of disorders. Inflammation may lead to narrowing and blockage of blood vessels.
Trauma or injury. Trauma or injury involving the blood vessels may lead to inflammation or infection, which can damage the blood vessels and lead to narrowing and blockage.
Genetic. Certain conditions of the vascular system are inherited.
What are the effects of vascular disease?
Because the functions of the blood vessels include supplying all organs and tissues of the body with oxygen and nutrients, removal of waste products, fluid balance, and other functions, conditions that affect the vascular system may affect the part(s) of the body supplied by a particular vascular network, such as the coronary arteries of the heart.
Examples of the effects of vascular disease include:
Coronary artery disease. Heart attack, angina (chest pain)
Cerebrovascular disease. Stroke, transient ischemic attack (a sudden or temporary loss of blood flow to an area of the brain, usually lasting less than 5 minutes but not longer than 24 hours, with complete recovery)
Peripheral arterial disease. Claudication (limping because of pain in the thigh, calf, and/or buttocks that occurs when walking), critical limb ischemia (lack of oxygen to the limb/leg at rest)
Vascular disease of the great vessels. Aortic aneurysm (a bulging, weakened area in the wall of a blood vessel resulting in an abnormal widening or ballooning), coarctation of the aorta (narrowing of the aorta, the largest artery in the body), Takayasu arteritis (a rare inflammatory disease affecting the aorta and its branches)
Thoracic vascular disease. Thoracic aortic aneurysm (a bulging, weakened area in the wall of a blood vessel resulting in an abnormal widening or ballooning in the thoracic, or chest, portion of the aorta)
Abdominal vascular disease. Abdominal aortic aneurysm (a bulging, weakened area in the wall of a blood vessel resulting in an abnormal widening or ballooning in the abdominal portion of the aorta)
Peripheral venous disease. Deep vein thrombosis (also called DVT; a blood clot in a deep vein located within the muscles of the leg), varicose veins
Lymphatic vascular diseases. Lymphedema (swelling caused by interruption of the normal drainage pattern in the lymph nodes)
Vascular diseases of the lungs. Granulomatosis with polyangiitis (an uncommon disease in which the blood vessels are inflamed; mainly affects the respiratory tract and the kidneys), angiitis (inflammation of blood vessels), hypertensive pulmonary vascular disease (high blood pressure in the lungs' blood circulation due to vascular conditions)
Renal (kidney) vascular diseases. Renal artery stenosis (blockage of a renal artery), fibromuscular dysplasia (a condition that weakens the walls of medium-sized arteries and occurs predominantly in young women of childbearing age)
Genitourinary vascular diseases. Vascular erectile dysfunction (impotence)
Because vascular conditions and diseases may involve more than one of the body's systems at a time, many types of doctors treat vascular problems. Specialists in vascular medicine and/or surgery work closely with doctors in other specialties, such as internal medicine, interventional radiology, cardiology, and others to ensure comprehensive care of patients with vascular conditions.

subset: commoncrawl


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In the latest Update Pack to Linux Mint Debian (UP4) released in March, MATE 1.2 and Cinnamon 1.4 were made available as well as an option called "gnome2-frozen" which allowed users to stick to Gnome 2 and skip the Update Pack altogether.
Moving forward and in preparation for Update Pack 5, this repository is now discontinued.
An rsync archive was made available for users and mirrors interested in acquiring a copy of the content of Update Pack 3. This archive will remain open for a couple of weeks and is available at the following address:
- rsync://debian.linuxmint.com::gnome2-frozen
This is our last goodbye to Gnome 2, a desktop we enjoyed working with since 2006 and which we can unfortunately no longer provide. Although there are still a few technologies which weren't ported to newer desktops, we're really proud of the work done by the MATE team and the results we're getting with Cinnamon. Desktops like KDE and Xfce have also matured a lot and new solutions such as Shell and Unity provide additional alternatives to users.
The loss of Gnome 2 was a traumatic experience not only for users but for desktop distributions. Most of our focus in Linux Mint 12 and Linux Mint 13 went towards making this transition as smooth as possible. With Linux Mint 14 we'll see the focus switch back towards iterative development/innovations and incremental improvements. Cinnamon will continue to improve and gain momentum but the focus will switch back to developing tools and improving the Linux Mint desktop experience itself, across all editions.


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For health-care providers, trafficking in persons is best understood as a serious health risk because as with other forms of violence, it is associated with physical and psychological harm. Health providers may come into contact with victims of trafficking at different stages of the trafficking process and at different stages of their recovery. The informed and attentive health-care provider can play an important role in assisting and treating individuals who may have suffered repeated abuse. For health practitioners, diagnosing and treating trafficked persons can pose a range of new challenges related to care provision. In 2012, the International Organization for Migration and the Gender Violence & Health Centre of the London School of Hygiene & Tropical Medicine (LSHTM) developed a training package based on the handbook Caring for Trafficked Persons: Guidance for Health Providers. Published in 2009, the handbook combines research, field experience and good practice into a tool for those who provide health services to trafficked persons, whether identified victims or populations which may include unidentified victims or other exploited persons. The Caring for Trafficked Persons Facilitator's Guide and accompanying materials have been developed for individuals who wish to carry out training to help a concerned health provider understand the phenomenon of human trafficking, recognize some of the associated health problems and consider safe and appropriate approaches to providing health care for trafficked persons. The training is designed for all types and levels of health providers, particularly those actively providing services.
Caring for Trafficked Persons: Guidance for Health Providers – Facilitator's Guide
Author/s: IOM, London School of Hygiene and Tropical Medicine
Language: English
Publication Type: Manual/ Training guide(External)
Download this Publication
Language: English
Publication Type: Manual/ Training guide(External)
Download this Publication
Region/Country (by coverage)
International Organization for Migration, London School of Hygiene & tropical medicine
Project Type


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Current Projects// Fool Me Once (2023)
// Ten Pound Poms (2022 – …)
// Brassic (2019 – …)
// Orfila Bee by Michelle Keegan
Founded by Michelle Keegan, Orfila Bee was born from her vision to create contemporary swimwear that embodied confidence, comfort and style.
The brand name is a celebration of her unique voice as Orfila, a family name, speaks to her Gibraltar heritage and 'Bee' affectionately nodding to her Mancunian roots. MORE NEWS PHOTOS SHOP // Spectrum x Michelle Keegan
The beauty brush brand Spectrum Collections has teamed with Michelle Keegan for range inspired by the Amalfi Coast.
The partnership between the former Coronation Street star Michelle Keegan and the Welsh beauty brand, which has been two years in the making, is described as "the ultimate Summer-glow beauty set". MORE NEWS PHOTOS SHOP // Very UK by Michelle Keegan
Michelle Keegan fans will be able to dress just like the actress as she has unveiled her new clothing collection, filled with pieces she wants for her own wardrobe.
The Our Girl star, 30, has partnered with online retailer Very.co.uk for the first time for the collection, which she has said is based on her own lifestyle and fashion choices. MORE NEWS PHOTOS SHOP Cover GirlLatest VideosNo video found My Fansite CollectiveElite AffiliatesDonationsAre you a frequent visitor to Michelle Keegan Daily? Do you have any photos, screencaps, etc... that you see missing in our PhotoGallery and that you would like to donate to the site? If so, feel free to send them our way to help make michellekeegan.net the largest fansite for Michelle Keegan on the web.
Statistics Site Name : Michelle Keegan Daily Domain : michellekeegan.net Webmiss : Laurine Launch : April 23, 2012 Theme : Social Media : Twitter • Youtube Host : Flaunt • DMCA • Privacy Policy Contact : Form • Email • Twitter Visitors : SearchSite Ads |


text: If your car's handling seems a bit on the sloppy side lately, replace your mushy rubber bushings with Energy Suspension's Control Arm Bushing Sets. Because polyurethane is unaffected by oil, smog, road salt, or most chemicals, it doesn't soften, compress, or distort like rubber does. So when you turn the steering wheel, take a high speed corner, or hit some potholes, these bushings will give you the ride of your life.


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Wholesale banking in India is set for a period of sharp growth. Revenues from wholesale banking activities are likely to more than double over the next five years as infrastructure investment, expansion by Indian companies overseas, and further "Indianization" of multinational businesses, among other trends, drive new business. Foreign players and the country's domestic banks, however, will find themselves in a tough commercial environment and must overcome a range of challenges if they are to maintain, or assume, a leading position in the market.
Prospects for India's wholesale banking market are intriguing. Wholesale banking revenues, which in India account for close to 30 percent of total banking revenues, are expected to more than double, from roughly $16 billion in fiscal 2010 to between $35 billion and $40 billion by 2015 (Exhibit 1). McKinsey's analysis shows that returns on equity are typically in the range of 15 percent to 30 percent.
Corporate banking, including both lending and fee businesses, accounts for the lion's share of the wholesale market—about 85 percent. Revenues from this source are projected to grow at about 19 percent annually, reaching $30 billion by fiscal 2015.
Investment banking and markets, checked by the slowdown in the global economy, should bounce back. We estimate revenues will rise from $1.8 billion in financial year 2010 to reach $6 billion by financial year 2015, an annual increase of 27 percent. Equities (primary origination and secondary trading) are expected to account for close to 70 percent of this total, M&A for 20 percent to 25 percent, and debt capital markets and private-equity syndication for between 5 percent and 10 percent. The recent rise in equity markets and the subsequent pickup in M&A activity are already being felt.
This article will examine the trends underlying the expected levels of growth, then address the key issues and priorities from the perspective of foreign institutions and their domestic counterparts.
What's driving growth
Several trends will shape the evolution of India's wholesale banking markets and create new opportunities for foreign and domestic players alike:
An expected surge of infrastructure investment, creating demand for additional banking products and services
The continuing globalization of Indian companies, bringing with it the need for acquisition expertise, trade-finance and treasury services, and cash-management skills
Growing interest in the "India story," inspiring a host of inbound M&A deals and increased fund allocation by global managers
Increasing sophistication of products and solutions, driving higher margins
A continuing focus on midmarket companies with new banking requirements
Regulatory change in bond and equity markets
Infrastructure investment
Investments in infrastructure totaling $240 billion between 2007 and 2010 have already been made under India's 11th Five-Year Plan, and it is projected that investments under the plan will reach $500 billion, or roughly 8 percent of GDP, by the end of 2011. Demand for core infrastructure will nevertheless likely outstrip supply in the future. To sustain India's economic growth, the Planning Commission therefore envisages that $1 trillion (about 10 percent of GDP) will be spent on infrastructure during the 12th plan from 2012 to 2017 (Exhibit 2).
According to the Planning Commission, half of the investment during the 12th plan, or some $500 billion, is likely to come from the private sector, implying a more than threefold increase in private-sector investment over the 11th plan. Another $250 billion is likely to be raised by the public sector through external financing. Meeting these investment needs could create annual wholesale banking revenues of $6 billion to $7 billion across lending, debt syndication, capital raising, and secondary markets. But banks must be willing to innovate, potentially becoming active developers in addition to operating through third parties, and they must also embrace more sophisticated products, such as project financing, through a mix of syndicated lending in foreign currencies, nontraditional structured-trade-finance instruments, and securitization of cash flows.
Managing asset-liability mismatches will be a key challenge that will require institutions to broaden the sources of funds for projects beyond bank financing. Services such as bond placements and credit enhancement should provide additional sources of revenue as the corporate bond market deepens and the regulatory framework for introducing longer-term sources of funds (for example, insurance and pension funds) is put in place.
Globalization of Indian corporates
Close to 60 percent of Indian companies expect to increase their share of overseas business over the next five years, according to McKinsey's globalization survey.1 This development, which will take the form of greater exports, increased international operations, and expanded sourcing, will create three types of opportunities for wholesale banking players:
Acquisitions. Outbound acquisitions by Indian companies in the first seven months of 2010 amounted to $22 billion, significantly higher than the $8 billion recorded in 2009; it also exceeded the total in 2007, before the crisis. This acquisition spree looks set to continue, as global targets become cheaper and competition from international financial sponsors, such as private-equity and leveraged-buyout firms, diminishes.
Trade finance and treasury. As Indian companies expand trade with other countries, the need for services such as letters of credit, export insurance, structured foreign-exchange solutions, and receivables financing increases.
Cash management. Companies with global operations have to manage cash flows at a global level and therefore require more complex and sophisticated solutions.
'Indianization' of the capital markets
Inbound M&A deals amounted to a healthy $80 billion between 2006 and 2010, a trend we expect to continue as multinational corporations increasingly respond to the "India story" and take advantage of easier foreign-direct-investment regulations. The new wave will provide fresh deal-structuring, treasury, and trade-finance opportunities. Foreign banks are aggressively leveraging global relationships to support international clients as they craft their Indian entry plans, but domestic players can use their domestic balance sheets to win a share of the action.
Simultaneously, global institutional investors are increasing their allocations to emerging markets, including India. Our conversations with some of these large players suggest that the allocation to emerging markets could rise to 18 percent to 25 percent from 10 percent to 12 percent. As of January 2010, long-only funds among foreign institutional investors (FIIs) had invested around $81 billion in India, or about 25 percent of their major emerging-market flows. More FIIs are registering in India,2 while several top global private-equity and venture-capital firms have established offices in the country. For several of these players, India is among the top three or four global destinations outside their home market where they have an on-the-ground presence.
The enhanced interest in India is likely to stimulate primary and secondary equities markets in the coming years.
Increased product sophistication
Trade finance accounts for about 12 percent of corporate banking revenues and will likely continue at these levels. But while demand for traditional, low-return products (for example, letters of credit, bank guarantees) will grow, demand for more sophisticated, bundled foreign-exchange and derivative structures will grow even faster. Leading players, we believe, will continue to pursue areas such as factoring, supply chain finance, and structured trade finance. Supply chain finance and factoring are already significant markets in their own right, with total revenues projected to exceed $1.4 billion by 2012. Structured trade finance, particularly export-backed commodity financing, is growing at 20 percent to 25 percent per annum.
Given that the share of Indian imports on open accounts is just 15 percent to 20 percent, in comparison with an average of 50 percent to 60 percent in the rest of Asia, companies will likely look to banks to provide an integrated working-capital solution. Banks, for their part, are moving to create integrated sales forces as well as technology platforms that straddle the two products.
Midcorporate enthusiasm
With intense competition and therefore lower margins from servicing large corporate customers in the future, the midmarket will remain a critical area of wholesale activity. The typical corporate banking return on equity for serving midsize corporations in India, for example, is about one-and-a-half times that of the large-company segment.
Midmarket companies already represent a third of the overall wholesale banking market. But as their ambitions grow, these businesses will demand more sophisticated instruments, such as capital market products and derivatives, not just traditional products, such as lending and trade finance. Midcorporates will also feature more in private-equity deals in India, which currently average around $38 million.3 These small deals constituted about 25 percent of the $6.5 billion of private-equity syndication volumes in 2009. Commercial banks with a significant midcorporate franchise have the opportunity to create a private-equity syndication franchise.
Regulatory change
In most developed markets, corporate bonds represent a significant part of overall wholesale banking revenues. In India, however, the corporate bond and securitization markets are nascent, with total revenues of approximately $30 million in 2010,4 compared with total equity capital market (ECM) revenues of about $390 million. Several regulatory issues have affected the growth of the market, notably the substantial disclosure requirements, limits on pension funds and insurance companies, restrictions on upfront profit booking of gains from securitization, and the introduction of a rupee-for-rupee capital requirement for both first- and second-loss credit enhancements.
Bond issues in the future will increase as liquidity tightens and banks face capital pressure following the implementation of Basel II; however, for the market to really take off, more regulatory easing will be required. For example, companies can create a credit-enhancement product for bonds, reduce "haircuts" on corporate bond repos to create a viable repo market, simplify bond-listing requirements, and reduce stamp duty on corporate bonds from 0.375 percent to 0.250 percent per annum across all states.
As for equities, the Indian bourses must increase domestic retail and foreign investor participation. A raft of regulations focused on corporate oversight, enhanced investor protection, and convenient participation is expected. For example, the Securities and Exchange Board of India recently issued several important guidelines on book building, disclosure norms, and Indian depositary receipts rights.
Imperatives for success
While corporate lending and trade finance account for about 80 percent of the revenues of Indian banks, particularly public-sector ones, foreign banks derive 60 percent to 70 percent of their business from treasury, capital markets, and investment banking. Foreign players, for example, hold a 60 percent to 75 percent share of ECMs, M&As, and derivatives. Public-sector banks, on the other hand, dominate "balance-sheet-heavy" segments such as corporate lending and plain-vanilla trade finance (letters of credit, bank guarantees).
These starting positions are by no means fixed, and the picture is changing rapidly, especially post-crisis, as Indian banks focus more of their energies on fee income to drive wholesale profitability. That said, foreign and domestic banks will need to set different priorities to deal with the challenges ahead.
An agenda for foreign banks
We see three key priorities for foreign banks: reaching out to the midmarket, overcoming their lack of domestic balance-sheet muscle, and leveraging synergies in corporate and investment banking.
Improve distribution to reach midcorporates and small and midsize enterprises (SMEs). About 45 percent of foreign banks' branches are concentrated in metro areas and Tier 1 cities because of restrictions on the number of bank branches they can open. Foreign banks thus struggle to serve midcorporates and SMEs outside these cities. As a result, foreign banks have focused on large corporates. However, faced with growing competition and margin erosion in their large-corporate business, foreign banks must develop cost-effective ways to serve profitable midcorporate and SME segments. For example, they could offer products such as supply chain finance, which will enable them to target SMEs and midcorporates that are suppliers or distributors for their large corporates.
Overcome rupee balance-sheet disadvantage. Foreign banks in India are limited by the size of their rupee balance sheets. As Indian banks start flexing their muscle and demanding a higher share of non-fund-based business (exploiting their lending relationships), foreign banks must find ways to overcome this disadvantage, perhaps by offering clients unique structuring, lines of credit, and off-shore products.
Leverage synergies across corporate and investment banking. Foreign players have created high-cost, siloed units in corporate and investment banking. Only by moving from product-centric to client-centric models will they be able to capture a higher share of business in areas such as infrastructure and trade finance. While domestic players leverage their corporate banking capabilities and relationships to make inroads in investment banking, foreign players can use their superior investment-banking capabilities and relationships to make greater headway in corporate banking.
Priorities for local institutions
Domestic banks have five priorities:
Enhance capabilities to play in the non-fund-based business. Thanks to their widespread branch networks and retail customer franchises, Indian banks (particularly public-sector banks) have been able to deploy a large deposit base in their lending. However, they have not been able to build on their strong lending relationships to expand into non-fund-based businesses (such as transaction banking, foreign exchange, treasury, and capital markets). That means developing new capabilities, including customer-coverage and account-planning processes, product design and structuring, and risk management, to provide a full suite of competitive products and to deepen client relationships.
Build offshore business models. Wholesale products will become more global as Indian companies expand their international operations and new regulations facilitate international capital raising. Foreign banks are in a strong position to dominate these product markets because they have strong international balance sheets and better credit ratings. But given growing demand from Indian corporates for access to non-rupee funds both in India (in the form of external commercial borrowings) and globally, Indian banks can respond by establishing a presence in key global financial centers (for example, Singapore and London) and by building appropriate funding and distribution capabilities to serve customer needs.
Attract and retain top talent. Foreign banks have used higher remuneration and perceived brand value to attract and retain quality staff in areas such as treasury, investment banking, and relationship management. They have the talent base to structure complex cross-border M&A transactions or create exotic derivatives for their clients. Their Indian counterparts will have to acquire these capabilities if they are to compete. A few private-sector Indian banks have done so, but most struggle to develop an appropriate value proposition to attract and retain talent.
Put in place a robust technology platform. Technology will be a key differentiator, particularly in scale-intensive wholesale businesses like transaction banking (trade finance and cash management) and foreign exchange and equities. Most large corporations, for instance, are now looking for secure online trade-finance and cash-management platforms that are integrated with their core enterprise-resource-planning systems. While several Indian private-sector banks have cutting-edge technology and can compete with foreign banks, others will need to make significant investments to catch up with their peers.
Enforce account-management discipline. As Indian players expand their wholesale activities, they need to adopt best practices in account management, including key account planning. They must also use a management information system that highlights individual client profitability and maps clients with relationship managers and product specialists. Our experience is that this effort requires significant organizational commitment and a willingness to break traditional boundaries.
After dipping last year, the Indian wholesale banking market is poised for new growth on the back of the rosy prospects for India's companies. Foreign and Indian players are at different starting points, given their different capabilities and market shares. But the opportunity is huge for those that make the right choices and execute their strategy well.


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I am sure there must be an ancient proverb saying: whenever you add a good sausage to your food, it will be delicious. I do apply it with restrain so that I can fit through the doors, but it works every time.
Of course, you will say. You are in Umbria, you worship sausages.
Yes, but there are rules. I don't buy mass-produced sausages. They are made with inordinate amounts of fat and up to 60% of their weight is water. If you cook those sausages in a pan they will release a puddle of heart-clogging greasy liquid.
I buy sausages from my fabulous butcher Guglielmo whose father actually raises a small number of pigs with proper feed. The sizzling sausages release that mouth-watering BBQ-like aroma wich attracts Google (our dog) from 100 mt away. They have just enough fat to cover the morsels in a thin gleaming coating. A small amount goes a long way and does not deposit so heavily on the hips 😉 .
- 300 gr (3/4 lb) fresh sausage. Umbrian sausage is seasoned with garlic and black pepper.
- 1 teaspoon fennel seeds
- 3 zucchini, diced
- 1 garlic clove
- 1 lt / 5 cups low-salt chicken or vegetable broth
- 1 tablespoon butter
- 2 small onions, diced
- 2 cups arborio, vialone nano or carnaroli rice
- 1/2 cup dry white wine
- 4 tablespoons extra virgin olive oil
- 1/2 cup freshly grated Parmesan cheese
Saute zucchini in 1 tablespoon olive oil until they just start to become golden. Make sure to use a relatively large pan so the zucchini will cook quickly and don't boil in their own moisture. Add a pinch of salt, one finely minced clove of garlic and a few torn basil leaves, stir quickly and as soon as it is fragrant transfer into a bowl.
Add one additional tablespoon of olive oil to the same pan, one diced onion, 1 teaspoon fennel seeds and the sausage meat torn in small pieces. Sauté over medium-high heat until cooked through, breaking up the sausage pieces with fork, about 10 minutes. Deglaze with 1/4 cup white wine. Switch off heat and keep covered until ready to serve.
When the rice is tender season to taste. For extra creaminess finish with 1 additional tbsp cold diced butter stirring vigorously. Stir in the zucchini, the sausage, 2 tablespoons Parmesan and once last ladleful of broth. Cover and wait 5 min before serving. Serve, passing the remaining Parmesan separately.


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However, Jesus further taught that we must love our enemies and forgive them. Jesus wouldn't command a moral that God doesn't ascribe to, would he? Give humans a higher calling, a greater duty than God Himself?
If we are to love and forgive our enemies, why can't God love and forgive His enemies?
Since I am posting on a blog entitled "debunking Christianity" I thought it only fitting to figure out exactly what it is I am supposed to be debunking. What is this thing called "Christianity"? As we all know, there is no set and steady definition, by which we can say with bright line precision –"this is Christian and this is not."
Some claim following the Nicene Creed is necessary to be a Christians. Some Protestants say Catholics are not "Christian." The Mormons continually are rejected "Christian" status by both Protestants and Catholics. Christian Science adherents attempted to upstage everybody by putting it right in their name, yet still are assured by many camps they are truly not "Christian."
I even have seen atheists claim that, by certain definitions, they are "Christians." In reviewing all of these claims, the one base-line definition in which everyone seems to concur, is that it means to do the things that Christ taught. If you aren't doing that, then regardless of race, religion or creed, you are not being "Christian."
Obviously the place to look, then, is at Christ's teaching. One of the stalwart principles, the very reason Christians claim the superiority of Jesus' words, is the concept of Love. And what does He say about that?
"…love your enemies, bless those who curse you, do good to those who hate you,…" Matt. 5:44, Luke 6:27-28.
Jesus even points out that it is not to one's credit to simply love those that love you. Even the pagans and sinners can do that. The identifying mark, the uniqueness of the Christian experience is the ability to love one's enemies.
"But if you love those who love you, what credit is that to you? For even sinners love those who love them. And if you do good to those who do good to you, what credit is that to you? For even sinners do the same. " Luke 6:32-33
"For if you love those who love you, what reward have you? Do not even the tax collectors do the same?" Matt. 5:46
The Bible is replete with the claim that this type of demonstration of love is the defining characteristic of a person that is to be Christ-like. A Christian.
"All men will know that you are my disciples if you love one another." John 13:35
"We know that we have come to know him if we obey his commands. The man who says, 'I know him,' but does not do what he commands is a liar and the truth is not in him." 1 John 2:3-4
"And this is his command: to believe in the name of his Son, Jesus Christ, and to love one another as he commanded us. Those how obey his commands live in him, and he in them." 1 John 3:23
"Everyone who loves has been born of God and knows God. Whoever does not love does not know God, because God is love." 1 John 4:7-8.
So far, simple enough. Jesus defines morality. Jesus tells us the moral code. "Love your enemies." Having been informed by many theists that I am now an "enemy" of Jesus, I rest easy in the fact that He loves me, right? Unfortunately, this moral code of "loving one's enemy" does not apply to Jesus Himself.
At the end of the Luke passage regarding love, Jesus states, "Therefore be merciful, just as your Father also is merciful." (Luke 6:36) O.K. How is God merciful? He has mercy on whom he has mercy, and does not on those he does not. (Rom. 9:15-18) It would seem, that in copying God's morals on mercy, the Christian can be merciful as those they want to be merciful, and not on those they choose to not.
All of a sudden, I am not so certain I like this "Christ-likeness." It seems to have an ugly side to it. Jesus says, that it is to human's credit to love those that persecute them, but when it comes to God, "He will also say to those on the left hand, 'Depart from Me, you cursed, into the everlasting fire prepared for the devil and his angels: for I was hungry and you gave Me no food; I was thirsty and you gave Me no drink…" Matt. 25:41-42. It would seem we have a double-standard. Humans have to love those that persecute them. God does not. But if a human chooses to act like Christ, who was God, they are off the hook. No more loving those that persecute them.
Why are humans held to a higher standard than God, do you think? We have to exhibit more love than He can!
Now, Jesus said He is kind to the unthankful and evil, right? Luke 6:35. What does this kindness look like? Take a trip in the time machine, back to Moses' day. Let's observe the kindness Jesus shows to the unthankful and evil, shall we?
Numbers 31. The Midianites. "Kill every man, no matter what the age from 1 day to 100 years old. Kill every mother. Kill every widow. Keep all the virgin females to be your forced wives, as booty for the war." I hope every moral barometer just blew off the charts.
Jesus is saying that the Hebrews, in exhibiting God's love, had a right to kill and take virgins as wives (perhaps second or third wife at that). This is kindness to evil? (Assuming they even were evil) I would hate to see unkindness!
But imagine Jesus. Use the artist's imagery, or your own. Picture his face, his eyes, his mouth, his chin. Place him in Jewish clothing. Now put him at the scene of Numbers 31.
He looks to his right. There a woman is running from a soldier, clutching her 2-year old boy to her chest, attempting to get away. Another soldier pushes her to the ground. She covers her baby boy. Pagan, Jewish, Christian, Muslim, it doesn't matter. A mother will protect her child. She doesn't care about rituals, or religions, or war. She doesn't even care about dying. Just that her child will live.
The soldier thrusts his sword through her back into the boy. Killing a human outright is surprisingly difficult. Most would die from mortally inflicted wounds. The mother would pull away her son, who is screaming in pain and fear, and will watch him slowly die, while her own innards are sprayed upon his face. And Jesus watches this.
This is a bad situation. Christians need to read their tales as they are written. Not pretty them up with flannel graphs and pictures of bloodless swords and string and glue. Before imposing their moral system on others, they should take a good long hard look at their own.
Jesus looks to the left. A soldier has just killed a young man, and, expecting the same, his twelve-year old sister crouches next to the twitching body. The soldier shoves his bloody hand between the girl's legs. (How do you think they determined who was a virgin or not?) His hand leaves a bloody mark. He pushes her over to a group of girls huddled and crying together. They have watched, and are watching their mothers, cousins and brothers die—screaming in pain. Her thighs slowly stick together with the coagulating blood of her brother. And Jesus looks on.
Jesus looks straight ahead. A group of soldiers is worn out from the killing. Both arms are covered in blood, as they have had to switch the sword from arm to arm, due to fatigue. They can hardly stand, due to the slippery blood. Waiting to recuperate, they gather in a circle around a few boys who are standing among their dead friends. Rather than wade in and kill them, while resting they wait. If a boy attempts to escape, the soldier would have to lift his weary arm and knock him down.
What look do you imagine on Jesus' face? Even assuming there was some bizarre moral necessity that warranted the love exhibited by the killing of baby boys (they are explicitly mentioned!) so that the men could take virgin females as wives, do you think Jesus would have compassion on this horrible situation? Let's see what Jesus does, shall we? "Count up the plunder, and make sure I get my share." (vs. 26-28) THAT is what "kindness to unthankful and evil" consists of. THAT is what "being merciful as God is merciful" looks like. Jesus is mercifully relieving the bodies of their Gold, and the fathers of their virgin daughters.
It is at this moment that I breathe a sign of relief. Thank goodness Christians feel bound by what Jesus says! Otherwise, I could see the thought process of:
1. God loves His enemies.
2. God kills His enemies, takes their virgin daughters and their gold.
3. I must love as God loves.
4. You are my enemy.
5. *shudder*
My only hope is that these few words (not Jesus' actions) keep them in check!
Why can't God forgive his enemies? Shoot, I am not even trying to be an enemy of God. The evidence is overwhelming He does not exist, let alone be his enemy. We could equally say I am an enemy of Superman, or leprechauns.
Because of my occupation, I am often informed (and was on my initial blog here) about how I will or will not be able to argue my case before Jesus on Judgment day. This will certainly be an area that comes up:
"I looked for you. I searched history, philosophy, archeology, texts, articles, books, lectures, Sacred writings and even debated with any theist that would have me. As you can clearly see, I did not find you. I do not hate you (although some of your followers are pretty scary) I do not loathe you. I assumed, since you did not exist, that humans blamed their desire for virgins and gold on you.
"But now that I am here, apparently you will consider me an enemy. Then what was all that language about "loving your enemies"? Does that not apply to you as well? What about being merciful? Was that simply a ruse? The time on "debunkingchristianity"? Is making your followers think qualify as "persecution"? Then why create us with brains?
"I see you are hell-bent on not forgiving, not loving, and imposing impossible standards on persons you consider your enemies. Fine. Just remember, that, as humans, we did a better job of loving than you can. We can follow your morals better than you."
When people tell me they find Christianity compelling because of what Jesus said and did—I look to what Jesus said and did. And safely say that I am not a Christian. Not even in being Christ-like.
First posted on 3/16/06


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Tourtière is a traditional French-Canadian dish served by generations of French-Canadian families throughout Canada and the bordering areas of the United States. It is especially anticipated for Christmas Eve celebrations, but it's equally as tasty throughout the holidays or over the winter months. It also goes without saying, you don't need to be French or Canadian to have this dish become a holiday tradition.
In the Canadian province of Quebec, meat pie is called "tourtière". Originally it referred to a cooking utensil used to make a pie or "tourte." By 1611, the word tourtière had come to refer to the pastry containing meat or fish that was cooked in this medium-deep, round or rectangular dish. It is usually a double crusted meat pie usually made with ground pork, often with the addition of potatoes for thickening. This is where the twist comes in as you see in the photo!!!
Every family has their own "original" recipe, passed down through the generations. Like the recipe, there is no one correct filling, as the pie meat depends on what is regionally available. It is a delicious, fragrant and savoury addition to the holiday table!!! Of course you know I had to "twist" Laura's recipe to add my own flair. Mushrooms are unconventional, but tourtiere fans will be happy with the extra flavour. I also added a little thyme as well as the savoury since my own recipe for this classic dish calls for it. What I absolutely LOVE about this dish is that it can be completely made-ahead, baked and then can be served at room temperature. Doesn't this make this perfect for a stress-free holiday table with a little bit of WOW. I served it with my own butternut squash risotto twisted with the addition of a little saffron and a dollop of mascarpone cheese and a simple tossed salad with a light lemony dressing. For dessert...a Lemon Coeur de Creme with Fresh Raspberry Sauce...talk about WOW...and with little fuss. Enjoy your company!!!!
Update..I decided to save time and use store bought pastry which was not strong enough to hold the shape of the log. They split, but tasted wonderfully!!!!
**Tourtiere with a Twist**
based on a recipe by Laura Calder
Printable Recipe....
Makes two 9-inch/23-cm pies or 2 tourtière "logs"
3 1/2 cup flour
1 teaspoon salt
1-1/4 cup cold butter, grated
2 eggs, lightly beaten
1 tablespoon ice-cold water, more as needed
1/2 cup/125 ml beef or chicken stock
1 lb. ground pork
1/2 lb. ground veal, hare, or beef
1 large onion, minced
2 cups sliced mushroooms
2 clove garlic chopped
3/4 teaspoon (4 mL)salt
1/2 teaspoon(2 mL) pepper
1/2 teaspoon(2 mL) dried savoury
1/2 teaspoon(2 mL) dried thyme
Pinch ground cloves (optional)
4 to 6 tablespoons breadcrumbs
Put the flour and salt in a large bowl. Add the grated butter. Pinch quickly with the fingers to create a coarse, crumbly mixture. Make a well in the centre. Put in the eggs and the water. Quickly mix into the flour, just until the mixture holds together. Do not over-mix. Divide into 4 balls and flatten into disks. Wrap in plastic and let rest in the refrigerator half an hour before using.
Put 1/2 cup/125 ml beef or chicken stock in a sauté pan and quickly bring to a boil. Combine all the remaining ingredients, apart from the breadcrumbs, and stir into the water. Cover, and cook until the meat is done, about 20 minutes. Remove the lid, stir in the breadcrumbs, and continue cooking uncovered until the liquid has evaporated. Check the seasonings, and cool.
Heat the oven to 450°F/230°C. Roll a disk of pastry into a rectangle. Spoon a generous stripe of meat mixture down the middle of it. Fold the short ends, up in over the meat making sure to trim any excess pastry, otherwise it will be too thick.Then fold over the long ends so that they overlap to seal, again, trim any excess pastry so it will bake evenly. Turn the log onto a baking sheet, seam-side down. Make a few slits in the top to let steam escape. Brush the top with milk for a golden crust. Bake until the pastry is crisp and nicely coloured, about 25 minutes. Serve warm or at room temperature.


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Tea Tree Oil (Melaleuca Alternifolia)
Topic Overview
What is tea tree oil?
Tea tree oil can kill bacteria and fungi. It comes from the evergreen leaves of the Australian Melaleuca alternifolia tree. Tea tree oil has been used as complementary therapy in surgery, burn care, and dental care.
Numerous tea tree oil body care products are available, including soap, shampoo, toothpaste, lip balm, topical (used on the skin) cream, and essential oil.
What is tea tree oil used for?
People usually use tea tree oil to treat minor cuts, burns, acne, athlete's foot, mild fungal nail infections, vaginal yeast infections, and lung problems (when they add the oil to a bath or vaporizer). Although there is little research on tea tree oil, some studies suggest that it is safe and often effective for the prevention and treatment of infections.footnote 1
Is tea tree oil safe?
Experts consider tea tree oil to be safe as a topical treatment, and you can apply it directly to the skin on a daily basis. When applied to the skin in its pure (100% oil) form, tea tree oil seldom causes irritation. But some people develop an allergic rash (contact dermatitis). If you are concerned that you might develop a rash, try the oil first on a small area of skin. You can also dilute tea tree oil with vegetable, olive, or almond oil.
Tea tree oil is not safe to take by mouth. It is not recommended for use in the ears, because it may cause damage to the inner ear.
The U.S. Food and Drug Administration (FDA) does not regulate tea tree oil in the same way it regulates medicines. It can be sold with limited or no research on how well it works.
Always tell your doctor if you are using an alternative product or if you are thinking about combining one with your conventional medical treatment. It may not be safe to forgo your conventional medical treatment and rely only on an alternative product.
- Murray MT (2013). Melaleuca alternifolia (tea tree). In JE Pizzorno, MT Murray, eds., Textbook of Natural Medicine, 4th ed., pp. 852–856. St. Louis: Mosby.
Other Works Consulted
- Tea tree oil (2010). In A DerMarderosian et al., eds., Review of Natural Products. St. Louis: Wolters Kluwer Health.
Current as of: April 9, 2019
Author: Healthwise Staff
Medical Review:Adam Husney, MD – Family Medicine
Topic Contents
This information does not replace the advice of a doctor. Healthwise, Incorporated, disclaims any warranty or liability for your use of this information. Your use of this information means that you agree to the Terms of Use. Learn how we develop our content.


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Syria has always been a tough place to cover for journalists. Confidently authoritarian with a ruthlessly formidable security and intelligence apparatus, Syria has long been one of the most policed of Arab police states. So when some Syrians defied their government to take to the streets in the southern city of Dara'a in March 2011, the temptation to cover the story was overwhelming for many, including myself.
The story of the Syrian uprising is ultimately the tale of regular citizens silencing the policeman in their heads, breaking their own personal barriers of fear to speak, to demonstrate, to demand, to reject, to no longer be afraid, to live in dignity. It's about what these people will do, what they will endure, and what they are prepared to become to achieve their aims.
It is also the story of a significant portion of the population that considers the regime of President Bashar Assad the country's best option, because they believe in its Baathist secular ideology or directly benefit from its patronage or don't have confidence in Assad's opponents and fear what may come next. Understanding what this segment of the population will accept in terms of state violence, the narratives they choose to believe and their concerns is a critical component of the story, though one that is harder to obtain, given the paucity of press visas issued by Damascus.
The only way to tell the Syrian story, really tell it, is to be on the ground with the men, women and children who are central to it, whether in Syria on in the neighboring states that many Syrians have fled to. It isn't easy to do — the Committee to Protect Journalists, based in New York City, has dubbed Syria the "most dangerous place for journalists in the world" — but it is essential. Nothing beats being there. There is no compensating for seeing, feeling, touching, capturing, living the story.
The images here are a testament to the power of being on the ground, of sharing and capturing a moment for posterity, of translating an element of a person's life through imagery.
Take a look at the photos. Can you place yourself in these situations? Can you imagine what it must be like? What do you feel when you look at the images? Are you drawn into them, or are you repulsed? Can you relate to them, or are they too alien? This is the power of translating on-the-ground reporting to an audience. This is why we must and will continue to document the Syrian uprising from inside the country when we can, and we — members of the foreign press corps — are not alone. Sadly, as is often the case, local journalists (both professional and citizen) have disproportionately borne the brunt of the casualties in this crisis. Still, this story is not about members of the media and what we go through to tell it; it's about the Syrians who entrust their testimonies, their experiences, their hopes, their fears, their images to us in the hope that they will help explain what is happening in one of the most pivotal states in the Middle East.
—Rania Abouzeid
This collection of testimonies is the third in a series by TIME documenting iconic images of conflict. See "9/11: The Photographs That Moved Them Most" and "Afghanistan: The Photographs That Moved Them Most" for more.
Abouzeid is a Middle East correspondent for TIME. Reporting by Vaughn Wallace.
More Must-Reads From TIME
- Meet the 2024 Women of the Year
- Greta Gerwig's Next Big Swing
- East Palestine, One Year After Train Derailment
- In the Belly of MrBeast
- The Closers: 18 People Working to End the Racial Wealth Gap
- How Long Should You Isolate With COVID-19?
- The Best Romantic Comedies to Watch on Netflix
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Cambridge Who's Who
Browse through the Biographical Profiles of Leading Professionals
Members and non-members alike are invited to peruse the online biographical listings of our distinguished Executives, Professionals and Entrepreneurs (EPEs) of the Year and VIP members.
We have categorized this accomplished group of individuals alphabetically below. Click on a letter, from A-Z, to pull up an extended list of first and last names, member level(s) and area(s) of expertise. From there, you can click directly on a person's name to view their full EPE or VIP profile and learn more about them.
Want to browse all Cambridge Who's Who® member profiles?
You must be enrolled in membership to access this special privilege. If you are a Cambridge member, we strongly encourage you to log in with your username and password to expand your professional network and take advantage of the advanced search functionality. Through this feature, you can conduct searches on specific profile fields and retrieve narrowed results generated from more than 400,000 personalized member web pages, and not solely our EPE and VIP listings.


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The WRU has joined forces with The British & Irish Lions to launch the first-ever grassroots programme in partnership with the Four Home Unions called 'Pick of the Pride'.
As the excitement continues ahead of the official Lions squad announcement, the programme aims to inspire a future generation of rugby players and to help retain current players in the game.
Four ambassadors aged 18 to 21 will be selected from England, Ireland, Scotland and Wales based on their involvement and contribution to grassroots rugby, vision for the future of the game, and understanding of the Lions core values; Respect, Integrity, Discipline and Friendship.
The ambassadors will travel and immerse themselves in the culture of New Zealand rugby, to understand the challenges facing youth rugby globally and establishing a network with their counterparts. They will then bring their learnings back in order to share these with their own clubs and with other clubs in their region.
The WRU has already taken steps to increase the number players progressing to youth and senior rugby. In fact, the origins of Welsh Rugby's #HalfAGame initiative, which guarantees equal playing opportunities for boys and girls of all ages and abilities, began in New Zealand.
WRU Head of Rugby Participation and former Wales and British & Irish Lion Ryan Jones is fully supportive of the programme and the positive collaboration with the rugby unions who are facing similar challenges when it comes to retaining rugby players aged 18-21.
"The programme fits entirely with our commitment to increase participation; by identifying new and innovative ways of engaging young players at the heart of the community game and working collaboratively with other nations to address the collective challenges we face.
He added: "The Pride of the Pack is a once-in-a-lifetime opportunity for young players to become the ambassadors for their nation and the grassroots game. With the strength of the Lions pride behind them, they will return from New Zealand with unique and insightful experiences that will inspire their peers and the wider rugby community."
British & Irish Lion and former Wales winger Shane Williams said: "The British & Irish Lions Pick of the Pride programme will be an honour and challenge. For me, playing with the Lions was one of the hardest but best tests of my career. It made me play out of my comfort zone and step up to challenges – but it was having the support of a team of Lions that allowed me to go forward at full pace."
British & Irish Lions Chief Operating Officer Charlie McEwen said: "Fans throughout the world have followed and enjoyed the Lions tours over the last 129 years and now for the first time the phenomenon of the Lions will be used to directly have an impact on grassroots rugby in the UK and Ireland.
"Working closely with the Home Unions we hope that the programme will help rugby communities understand best practise, build and develop the game of youth rugby and create a global network to share ideas at home." To enter the Pick of the Pride selection process for 18 to 21-year-olds, go to www.Lionsrugby.com/Learning. Find out more on social media across all @LionsOfficial social channels with the hastags #AllForOne and #PickOfThePride.
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12 month loans generally fall into the category of small loans. But I think these loans have an upper hand over other short term loans because borrowers, particularly the unemployed, have flow of funds for a year or until they get a new employment. Your views on loans are really appreciated... http://www.metroloans.uk/12-month-loans.html
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Flights to Cali
Flights to Cali
Fly to Cali (Colombia) with Destinia. We offer you flights at economical prices or in the class you choose. To select your flights Cali, type the name of the city you wish to depart from in the Departure box and write Cali in the Arrival field. Then select the departure and return dates. You can buy several airline tickets to Cali at the same time by indicating the number of adults, children and babies travelling. You can filter the type of flight if you are only interested in direct flights to Cali (Colombia), multiple destinations or flight stopovers.
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Social Learning TheoryPrentice Hall, 1977 - Broj stranica: 247 Furnishes an overview of recent theoretical and experimental advances in the field of social learning, exploring the origins of behavior, antecedent and consequent determinants, and cognitive control. --Publisher. |
Iz unutraąnjosti knjige
Broj stranica koji odgovara izrazu usually u ovoj knjizi iznosi: 31
Rezultati 1 - 3 od 31.
Chapter | 15 |
Antecedent Determinants of Physiological | 59 |
External Reinforcement | 97 |
Autorska prava | |
Broj ostalih dijelova koji nisu prikazani: 2
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JOHANNESBURG – His head shrouded by a sports hoodie, the young man walked unnoticed through a bustling crowd outside the gates of the Olympic village in London last year. When he got close, I saw a familiar face smiling at me.
It was Oscar Pistorius. "Gerald!" he called and then raised both hands for a double high-five greeting followed by a hug.
On Feb. 14, I saw Pistorius in a hood again, and this time he stared straight at the ground, hands thrust into the pockets of a gray sports jacket. He was flanked by officers as he left a police station. Hours earlier, he'd been charged with killing his girlfriend.
It is hard to reconcile the easygoing, charismatic man I interviewed on several occasions with the man accused of premeditated murder in the shooting of Reeva Steenkamp in his South African home. Prosecutors painted him as a man prone to anger and violence, though he had no prior criminal record. The Olympian says he shot Steenkamp by mistake, thinking she was a nighttime intruder, while prosecutors allege he intentionally shot her after the couple argued.
Who is Oscar Pistorius? I thought I had some idea, and in a sense, so did the millions around the world who cheered the double-amputee athlete as a symbol of determination over adversity.
Now he is as much of a mystery as whatever happened in his home in the early hours of Valentine's Day.
My meeting with Pistorius in London was one of several in the three years I have been covering his remarkable story for The Associated Press, from South Africa to Italy to London — and last week to Courtroom C on the first floor of the red-bricked and gray-walled Pretoria Magistrate's Court in the South African capital.
On reflection, Pistorius' narrative is partly an exploration of how hard it is to truly know someone who lives so much in the public eye. Journalists witnessed or heard reports of occasional flashes of anger — with hindsight, do they loom as potentially more meaningful? At the time the outbursts passed largely unnoticed.
What I do know is that the public Pistorius seemed to have a soft spot.
Weeks before his debut at the Olympics, he stopped an interview with me to talk to a little girl who walked up to give him a strawberry from the gardens of the rural hotel at his training base in Gemona, in northern Italy.
"Oscar, Oscar," the little girl said, holding out the berry. Behind her, a woman called the child away to stop her from bothering Pistorius.
"Ciao, baba. Grazie," Pistorius replied with a smile, unfazed by the interruption, showing off his Italian and pretending to eat the strawberry.
"She brings me something to eat every night," he told me delightedly, pointing up to the windows of his hotel room.
Now the world knows Pistorius owns a 9 mm Parabellum pistol, licensed for self-defense, and that he applied for licenses to own six more guns — listed for his private collection — weeks before the shooting death of Steenkamp.
His relationships with women have been spread over the gossip pages in South Africa.
We spoke about his running, his love of sneakers and nice clothes but also about his history with fast cars and motorbikes and the high-speed boat crash in 2009 that left him in a serious condition in the hospital with head wounds. He conceded that the crash caused him to rethink how he lived.
"I just realized that I need to make some changes and some of them need to be with my lifestyle," Pistorius told me last year in that interview in northern Italy. "I was messing around a lot with motorbikes and just playing around and taking unnecessary risks."
Again with hindsight, was he grappling with anything deeper than just the high spirits and penchant for thrills of many young men flushed with success and money to burn?
Covering Pistorius' track career, he became more comfortable with me, remembering my name and shouting it when he would see me among a pack of journalists.
During his Olympic preparations in Italy, Pistorius pulled out his cellphone to show me pictures of his bleeding leg stumps, rubbed raw from the friction of pounding around the track on his blades.
It was around the time when people were again questioning whether he should be allowed to run in the 400 meters against able-bodied athletes. The message in showing these graphic photos was: Do you still think I have an unfair advantage?
Until that moment, I hadn't fully realized what Pistorius went through every time he slipped on his prosthetic blades to compete or train. Not many people had, I guess.
It was rare for Pistorius to show images of his amputated limbs, but he grinned and shrugged. He said it was just part of the job.
It took a long time for him to get used to people filming and taking photographs of him putting on his carbon-fiber blades. He used to ask people not to film him without his prosthetics.
When he finished a race at the South African national championships last year, he quickly disappeared to a secluded part of the track to swap his blades for artificial legs, complete with sponsored sneakers that his agent was holding for him. It was his regular post-race routine. He then came bounding back to give me an interview.
He often apologized when he had to end an interview because he was running out of time. It always seemed people wanted more of his time than he could give. After we talked in London, Pistorius stayed a little longer to pose for photographs with Olympic security staff, even convincing one shy lady to get into one of the pictures.
Then he popped on his identity-concealing hood and, on his prosthetic legs, he walked off, anonymous in the crowd.
Follow Gerald Imray at http://twitter.com/GeraldImrayAP


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Rebel MC - Street Tuff - 7" Vinyl Record
Click on Artist, Title, Record Label or Genres to find more like this.
Artist | Rebel MC |
Title | Street Tuff |
Release Year | 1989 |
Record Label | Desire Records |
Catalogue Number | WANT 18 |
Format | 7" |
Release Country | United Kingdom |
Suggested Genres | Dance |
Grading Information
For more on cleaning, grading and how we look after our records, please see our Grading Guide.
M (Mint): The record itself is in brand new condition with no surface marks or deterioration in sound quality. The cover and any extra items such as the lyric sheet, booklet or poster are in perfect condition.
EX (Excellent): The record shows some signs of having been played, but there is very little lessening of sound quality. The cover and packaging might have slight wear and/or creasing.
VG+ (Very Good Plus): This record has clearly been played before, but has only a moderate reduction in sound quality, despite a possible slight loss of shine and some surface marks. The cover shows signs of typical wear and tear, such as small stickers or light ring marks.
Very Good: The record has obviously been played many times, but displays no major deterioration in sound quality, despite noticeable surface marks and the occasional light scratch. Normal wear and tear on the cover or extra items, without any major defects, is acceptable.


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outside bridal portraits aren't just for people getting married at home. If you're having a destination wedding, you should absolutely take outside bridal portraits with your photographer! Choose any day before your wedding, and spend an hour or two playing.
You've seen them and you love them: romantic, gorgeous bridal portraits that grace all of the wedding blogs and magazines. And I'd be willing to bet that you want bridal portraits like that of yourself! To get them, you're going to want to add a bridal portrait session to your wedding collection.
How do we even start to say thank you for all the work and effort you put into our wedding day?
- Josie and Scott
Lauren played such a meaningful role in our wedding, capturing the day in photos that we'll look back on for the rest of our lives. She kept Scott and me calm and sane - Lauren is a miracle worker! She put in 100% effort and gave us her very best, and that means so much to me. Seeing our photographs makes me so excited and so happy that Lauren was with us on this journey.
Lauren made the process so easy and made us feel so comfortable!
- Amy and Luke
We just wanted to say thank you again so much for your amazing work. You were seriously incredible to work with and we loved the locations you suggested for both our engagement shoot and the spots in Stillwater. We were very worried about getting professional photos done since we had never done it before, but you made the process so easy and made us feel so comfortable. Thank you!
Working with Lauren was easy breezy and FUN! She gave us our most treasured photos ever!
There was a chunk of time in our wedding planning when we thought we'd go without a professional photographer to save on cost (terrible idea!) but once we met with Lauren, we knew we'd be in good hands. She checked in often and asked questions that got us thinking about other parts of the wedding that we probably would've missed. Lauren captured exactly who we are as a couple!
Lauren's enthusiasm and passion make the photo-taking process so fun – she made me feel like a star!
- Alisa AND Adam
Lauren and her team are so much fun to work with! She made us feel so comfortable on the day of our wedding, providing both silly and helpful cues to help us relax and be ourselves in our photos. Lauren's background in dance is super helpful in recognizing simple posture changes that make a big difference, too. Oh, and the photos we got are just stunning!
Lauren was pivotal in making our wedding day perfect!
- Emma AND Erik
My husband and I looked FOR MONTHS to find the perfect photographer and after meeting Lauren we knew was the best fit for us. She made our day so much fun and easy. She found little opportunities to make the perfect photo all with a calm ease that comes from someone who has an artistic eye along with experience in understanding the flow of a wedding.
Not only is Lauren an amazing human being, but she is an awesome photographer!
- Haley AND Erick
I've been in several weddings and have worked with a multitude of photographers and I never felt as confident as I did with Lauren. I love how professional she is. She helped with the timeline way in advance and we stuck to that timeline the day of. She was also able to professionally and firmly keep unruly family members settled and focused and navigated family drama beautifully!


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NEW YORK (AP) — When it comes to the calories in diet soda, Dr Pepper thinks 10 is the new zero.
Starting next month, the country's No. 3 soft drink company plans to roll out 10-calorie versions of its five big biggest soda brands: 7-Up, Sunkist, Canada Dry, RC Cola and A&W Root Beer. The drinks are an extension of its Dr Pepper Ten, which was launched last year as a better-tasting alternative for men who don't like the image or taste of diet soda.
But the new 10-calories sodas, which were tested in select markets this year, are being marketed to both men and women.
Unlike traditional diet sodas that use only artificial sweeteners and have zero calories, Dr Pepper Snapple Group Inc. says its 10-calorie sweetener mix has just enough high-fructose corn syrup to overcome any reservations people might have about the weak or cloying taste of diet drinks. And by taking away most the calories — a can of regular typically has about 150 calories — the company is washing away much of the guilt.
Dr Pepper isn't alone in trying to redefine the image of diet soda. With soda frequently blamed for fueling obesity rates, executives at Coca-Cola Co. and PepsiCo Inc. are also convinced that producing better-tasting diet sodas can reverse a steady decline in overall soda consumption that began in 1998. That's despite the growing number of options soft drinks are competing with in the beverage aisle, such as flavored waters, sports drinks and teas.
Larry Young, CEO of Plano, Texas-based Dr Pepper Snapple Group, is confident the new lineup of 10-calories drinks can win back soda drinkers who quit or cut back to reduce their calorie intakes. Young noted that Dr Pepper Ten has already done the same since its launch last year.
The drinks will hit shelves nationwide at select outlets in January, and the company says one of its biggest ever national ad campaigns will follow in March. Rather than singling out men, the ads for the new drinks will target both sexes and play off the theme of "Get Both."
One TV ad shows a couple who can't agree on anything until discovering 7-Up with 10 calories. They're then shown in a variety of scenarios showing how they compromise; sitting in a pick-up truck that is hot pink, watching a cooking TV show that's interrupted by a football player barging through the set and drinking champagne by the fireplace while grilling a giant T-bone steak. At the end of the commercial, their cat barks.
Already, diet sodas account for about 20 percent of Dr Pepper's soda sales. Young said he sees that figure reaching between 40 to 50 percent in coming years.
The big question mark for the broader industry is whether a new generation of diet drinks can stem overall soda declines and ultimately boost consumption again.
At a Beverage Digest industry conference last week, PepsiCo CEO Indra Nooyi said she thinks a next wave of diet sodas will use a variety of sweeteners that have a range of calories, rather than all conforming to a single sweetener with zero calories as in the past.
Earlier this year, for example, PepsiCo introduced a mid-calorie version of its flagship soda called Pepsi Next that reduces the amount of high-fructose corn syrup by using artificial sweeteners. Although the drink hasn't made a big splash, Nooyi said its modest performance already makes it a good "line extension" for the brand.
Coca-Cola Co., meanwhile, has been more noncommittal about mid-calorie sodas. Sandy Douglas, who heads Coca-Cola's North America business, said at the same conference that the company didn't see the category generating "a tremendous amount of share and growth."
But the Atlanta-based company has been testing mid-calorie versions of its Sprite and Fanta that uses natural sweeteners to gauge interest.
As for the new lineup of 10-calorie drinks, Dr Pepper CEO Young said he's aware that the industry doesn't have a lot of patience in waiting to see whether new drinks will work, but that the company plans to stick by its new 10-calorie line-up over the long haul.


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Cleaner, 'Greener' Cookstoves Need Better Marketing In Bangladesh
Cooking can be hazardous to your health and to the environment, particularly if you are cooking indoors over an open fire and burning wood and dung, as many people in poor, rural areas of the world do every day.
In fact, the World Health Organization says that the smoke and gases from cooking fires in the world's poorest countries contribute to nearly two million deaths a year — that's more than malaria, as our colleague Chris Joyce reported.
But despite decades of global efforts to replace dirty cookstoves with cleaner, greener cookstoves, very few are actually using them. That's especially true in Bangladesh, where 98 percent of the population still uses traditional cookstoves, according to a recent study. So what gives?
That's exactly what Ahmed Mushfiq Mobarak, a professor of economics at Yale University, set out to find out.
Mobarak and his colleagues first surveyed more than 2,000 women in rural Bangladesh to find out how much they knew about indoor smoke hazards. Most of the women in the survey (94 percent) believe indoor smoke is harmful but only nine percent said reducing household smoke was the most important reason to use a nontraditional cookstove. Other, more popular reasons to use the new stoves included reducing fuel costs (both time gathering and actual money) and improved cooking times.
The researchers also looked at the Bangladesh families' willingness to pay for a variety of items, including new cookstoves. The results? Demand for the nontraditional cookstoves was a much lower priority than things like a doctor's visit, a new school, or a public road.
In other words, because most of the country relies on free — albeit, polluting — cookstoves crafted from salvaged materials, Bangladeshis are not very interested in paying much for a cleaner version, even if they know the risks, the study suggests.
So Mobarak and his team tried another experiment. They offered stoves at full cost and half price. Only about 5 percent of people paid the full price of $5.80 for the efficient new cookstoves, which burn less fuel. Some 2 percent chose the full price chimney-style stoves that vent out smoke at $10.90. Offering both stoves at half price only increased purchasing by 8 to 12 percent for the efficiency stoves and 5 to 6 percent points for the chimney-style stoves.
"This result implies that large discounts by themselves are unlikely to
promote substantial adoption and use," the paper says.
Bottom line? Cleaner cookstoves need to be cheaper and better marketed to reflect the things the people who would use them care about — like making them run on less fuel. Instead of emphasizing health and environmental benefits, groups distributing these stoves should consider explaining how they'll save money.
But the Global Alliance for Cleaner Cookstoves, a group devoted to getting 100 million households to adopt cleaner cookstoves by 2020, says getting people to adopt cleaner cookstoves is much more complicated than just re-marketing them.
"We must continue to raise awareness about the health, economic, and environmental benefits of clean cooking solutions," says Leslie Cordes, senior policy director at the Alliance.
Indeed, other studies have recently raised questions about how much cleaner the cookstoves actually made the indoor air, and whether people abandon them eventually if they lack training.
Cordes says the Alliance is focused on ways to enhance demand, strengthen supply at affordable prices, and support research into what motivates people to purchase cleaner cookstoves.
Mobarak's cookstove study was published in the Proceedings of the National Academy of Sciences.


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This Is the Manicure You Should Get, Based on Your Astrological Sign
9 Secrets Tanning Salons Don't Want You to KnowIndoor tanning can cost you your healthy skin and your life, so how are these salons staying in business? Find out |
Older comments
UGH! I hate reading articles like this. I love being tan and love laying in that tanning bed for 15 minutes of relaxing me time. But I know that it is sucha bad thing to do! Why? Why are all the good things we love so bad for us?!?!
by PrincessKim81 Friday, March 22, 2013 at 10:51AM Report as inappropriate
75% of Americans have a vitamin D deficiency because of stupid articles like this! A lack of vitamin D, sunburns, spray tans and sunscreen all cause cancer. People really need to start thinking for themselves!
by Kelly_K Thursday, March 21, 2013 at 05:07PM Report as inappropriate
super good things to know here. next time will definitely just go for the spray tan
by treehugger1997 Friday, March 1, 2013 at 02:41PM Report as inappropriate
Well I'm glad I don't tan in any way now
by thequietnoise Sunday, January 20, 2013 at 12:20PM Report as inappropriate
Ha!!!! Most of this information is CRAP and the last slide about spray tanning proves it!! Spray tanning involves a compound called DHA which is a derivitave from sugar cane. It causes an oxidization affect with the top layer of dead skin. It does not in ANY way stimulate the production of melanin!! Research both sides before you throw your opinion in the ring! Don't be fooled into believing that Cancer societies and Dermatologists aren't being funded BIG TIME by sunscreen manufacturers! But go ahead, drive the fear while telling people it's safe to slather on chemical laden sunscreens! Double standard? I think so!
by jellybean__111 Wednesday, January 16, 2013 at 04:40PM Report as inappropriate
girl get out of that tanning bed
by LittleBunny Friday, December 21, 2012 at 11:24AM Report as inappropriate
Wow, what a fun read! I'm going to make my friends read this!
by Snowwhitessecret Wednesday, December 19, 2012 at 12:47PM Report as inappropriate