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Solutions, Knowledge and Expertise
We offer flexible solutions, consultancy, in-house support and full-service CRO capabilities
Our highly-qualified staff are specialists within Biometrics, Regulatory Affairs, and Quality Assurance. Our consultancy work and our products are implemented in some of the most successful health-care and pharmaceutical companies in Europe, the US and Asia
Our Pharmaceutical Services
We have extensive knowledge and experience across the full range of biometrics, data management, analysis and reporting activities. We offer a wide range of services for individual clinical studies through to integrated databases and regulatory submissions support.
As authorized trainers in CDISC SDTM and ADaM, we provide training, hands-on support, and expertise about requirements, processes, and systems to support CDISC requirements. Our CDISC specialists are experienced in implementing standards for small, medium, and large pharmaceutical companies.
Regulatory Affairs
Our Regulatory Affairs team have comprehensive regulatory expertise encompassing new chemical and biological entities, as well as medicinal products containing established active ingredients, generic compounds and therapies for orphan indications.
Data Analytics
Visualise and explore your data using QlikView and Qlik Sense. We specialise in implementing Qlik tools for the Pharmaceutical industry. You will be able to optimise the speed and efficiency of your data analysis strategies, improving reaction time and reducing costs.
cQuality Assurance
Whether you are looking to develop quality systems from scratch, wish to update the compliance of your existing systems, or need to verify the quality of work being conducted, S-cubed's Quality Assurance team has the knowledge and experience to assist you.
}Project Management
We provide only accomplished Project Managers who have the knowledge, competences and qualifications necessary to mitigate risks and create practical solutions. Our Project Managers are experienced in both small, large and multiple projects, and always do their best to integrate seamlessly with your existing team.
Our Products
A3 Suite
The A3 Suite is our innovative and industry leading technological solution for managing CDISC standards and breaking down data silos.
The A3 MDR manages sponsor and CDISC terminologies, supports the creation and maintenance of Biomedical Concepts and more.
A3 Study Workbench
The A3 Study Workbench uses the MDR for study setup, to generate CRFs, and create Define.xml. It exports a variety of formats and to an EDC.
Our write-back extension for Qlik Sense ensures that you can update your data directly from your dashboard. We take you beyond a read only tool, to one where you can create, edit and delete data.
This is our intuitive navigation extension for Qlik Sense. A fully customizable navigation menu, makes it easy to navigate between sheets in Qlik Sense applications
Latest news
Nitrosamines, TOPRA, Drug Development News
Nitrosamines, TOPRA, & Drug Development News are the focus for our Q4 Industry Insights
A3 Community MDR Now Launched
S-cubed is pleased to announce the launch of the A3 Community MDR provided free for the benefit of the CDISC user community.
Using Real World Data to Enhance Pharmaceutical Development
Elizabeth Merrall discusses the case for using real world data (RWD) in clinical research.
Pharmaceutical Industry Events this Autumn
We're at a number of events between now and the end of November, demonstrating our clinical data expertise. Get in touch if you'd like a meeting.
Qlik: S-cubed Commenting Extension
Bohua Li introduces an S-cubed extension for adding user comments in a Qlik Sense application, along with a guide for users to implement the extension themselves.
An overview of PRIME, Breakthrough Therapy & Fast Track procedures
This article provides an overview of PRIME, Breakthrough Therapy and Fast Track regulatory procedures intended to optimise the development of medicines that target an unmet medical need.
Optimising the path to commercialisation; Who can help and when?
Regulatory Affairs Expert Tony Mitchell co-authors a case study for a new IBS Drug This is case study for a joint project S-cubed worked on for a new drug for IBS – PharmaVentures was the lead company and they were providing market valuation expertise, Apex Healthcare...
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text: Share: Comments Print February 25, 2014 at 6:55 PM Teacher evaluations: Each student is different Posted by Letters Coordinator I read the editorial regarding teacher evaluations ["State Senate fails on teacher evaluations," Opinion, Feb. 23]. I have to say I disagree with the position expressed. I agree we need to hold teachers accountable for their work and it is sad to lose $40 million, but you simply cannot expect the same outcomes for each student. Every person is different and has different abilities and learning skills. If teachers were working with widgets that could be judged on quality for a consistent product, this would be different. We are dealing with people. What we really need is to open up education to allow for choice in education so the needs of the different students can be better met. Kory Gunnell, Lake Stevens Comments | Topics: Kory Gunnell, state Senate, Teacher evaluations

subset: commoncrawl


text: After difficult child's latest go round with strep throat and no medical insurance, she told husband that she knew she had to do something about it. So she says she has an appointment today with the local technical college which she could attend free on the GA Hope grant. As a full time student, she would get back on our health insurance plan. She also told husband it would give her something "constructive" to do with her time. Of course, we have heard all of this before so please keep your fingers crossed that she follows through. ~Kathy


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Monday, 22 October 2012
Special day celebrations
Since last week Wednesday I played with ideas on how to join the Play Date Café's big birthday bash! Last night it started to take form in my head and I had a moment to put it to paper this afternoon. The only difference is that my Best Wishes rubber stamp saw the end of its life, so I had to improvise with something else. In the end I used my Inkadinkado stamps fro the swirls and for the sentiment. I also used some glitter heat embossing on the sentiment. Added a ribbon for a finishing touch.
Challenges I'm joining:
The Play Date Café #154 - Purple, Mulberry & flame
Charisma Cardz #41 - Clean and simple
Fashionista #8 - Anything goes
Thank you
7 comments:
- Cat's sCrap said...
Very elegant card. Everything in simplicity. I like ! Perefct knot ! Bravo !
Hugs from France.
- 22 October 2012 at 23:47
- Connie Mercer said...
so pretty!!! Thanks for playing along with us at the PDCC!!
- 23 October 2012 at 01:45
- Scrappy Scatty said...
Lovely card
Thank you for joining us at Charisma Cardz this week
Love Jan
- 23 October 2012 at 19:46
- Jen Cuthbertson said...
What a great take on the color story this week. I'm so glad you could play along with us at PDCC!
- 24 October 2012 at 04:00
- ~amy~ said...
Pretty card..love the ribbon! Thanks for joining us at The Play Date Cafe!
- 24 October 2012 at 12:57
- Veronica Z said...
Such a pretty, elegant card! Thank you for playing along with The Play Date Cafe!
- 24 October 2012 at 23:59
- Christy Designs said...
Simply beautiful card ! Thanks for joining us at Fashionista Challenge
- 25 October 2012 at 19:11
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Cardiac marker(redirected from Cardiac markers)
cardiac markerCardiology An analyte measured in serum that reflects myocardial damage or acute cardiovascular disease–eg, acute MI Examples CK-MB, myoglobin, myosin light chains, troponin. See Cardiac enzymes, CK-MB, Troponin I.
Cardiac marker
A substance in the blood whose level rises following a myocardial infarction.
Mentioned in: Myoglobin Test, Troponins Test


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The Best Room In The House
Your private home theater's purpose is the creation of the experience you get from a night out at the movies – at home. How close we come to duplicating or exceeding that experience depends on many variables, but is limited only by imagination.
We can help create an experience that is superior in every way to that of a movie theater right in your home – tailored to your dream. From a ticket wicket and confection area to the opening and closing of the curtains on the massive curved screen we can reproduce all of the wonderful trappings important in a Home Theater experience for you.
We offer quality electronics that can outperform the "professional" audio and video experience at your local cineplex in your home. The movie source for your Home Theater can be Blu-Ray Disc, a Hard Drive based server, Streaming, a Video Game console, HD Satellite or good old broadcast HDTV. Your control system can dimming the lights and fire up the finest electronics, powerfully acoustically tailored to the room. We can provide a projected picture that is huge and has resolution that appears as clear as looking out of a window. The sound is immersive, seeming to effortlessly come from every direction. It can be in sync with the action the comfortable individual recliners you picked out that can even move in rhythm with the show! We can design a perfect Home Theater like that for you, from nothing more than an empty space on a set of your blue prints.
Our role can start in the planning stage. We can help plan the room's construction and provide everything needed to make it function perfectly. We can stage the work to your time line, even over time to reflect budget and timing requirements if desired. This type of option allows the theater to be used at the end of stage 1, with upgrades and additions occurring according to a schedule that fits your needs.
Our extensive experience allows us to design a home theater for you that will exceed the audio and visual performance of going to the movies. All you need is to provide is the popcorn!
Dolby ATMOS is a requirement in modern Home Theaters today
Great Home Cinema's featuring Stewart Screens.
Kaleidescape is part of every complete Home Cinema!
Canada's own Anthem has some great Home Theater separates
Optimal bass is critical to the Home Theater experience


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The New SUV (Sports Utility Vehicle) from SEAT that enables you to approach every day like a new day. It'll let you see things from a different perspective. Equipped with everything to help turn the ordinary extraordinary, it'll transform your daily routine into something wonderful.
The New SEAT Ateca comes equipped with state-of-the-art technology, combining urban performance with city living for a whole new driving experience. It's easy to find your way in the dark with the Welcome Light. By projecting a silhouette of the car on the ground, it lights up the surrounding area, making it easy to locate its position.
The interior has been crafted to the highest standard possible to display the perfect unison between every internal element. Upholstered in superior materials throughout, including the leather gearknob and steering wheel, the New SEAT Ateca can be customised even more luxuriously with either leather or Alcantara upholstery.
The New SEAT Ateca adapts to your driving style and the needs of the road with Normal, Sport, Eco and Individual Driving modes. Additionally, the optional 4WD mode allows you to activate specific off-road functionality.
Call and speak to one of our specialists on: 028 8744 0722


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Product Description
Download datasheets :
The OZIconcept HD version
The new stainless steel folding motorbike trailer HD version is the only one in the world which folds and unfolds in seconds with no effort and that can take a 500 Kg bike. It work in the exact same way as what the LT version does and the châssis has simply be redesigned in order to cater heavier bikes
The HD version is recommended fully fitted with its "stepper" accessory that helps a safe and easy loading process.
You want to take your heavy motorbike anywhere for road trips miles away from home or on a race track with peace of mind when you get on site and huge room saving at home when you get back…. We have created the solution for you and we call it the OZIconcept HD version.


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Sometimes your B&R trip simply isn't long enough! Extend your stay for the best vacation possible. If you wish to spend a few days in region either before or after your official B&R trip, and need assistance making those plans, your B&R Travel Advisor can help.
Call us to create an independent travel experience that fits your needs—we can also arrange for a local guide.
- Type
Small Group
The right number of like-minded travellers to make new friends.
Your dates. Your group. Our expertly-designed itinerary.
Tailored to your interests, a bespoke travel experience.
- Support
Daytime GuidedX
Combines the hallmarks of any B&R itinerary (excellent hotels and beautiful routes) with the freedom of pacing each day exactly the way you like.
Daytime Guided
Throughout the day, a knowledgeable local guide provides insider access and expert tips. At night, you can explore and dine on your own.
24/7 Guided
Our B&R guides are with you throughout, anticipating needs, translating languages, providing advice and—above all—facilitating fun.
- Level
"I can't say I really 'work out,' but I'm in good shape and am relatively active."
"I enjoy a good walk or ride, and feel comfortable while on the move."
"I get moving at least once a week, and don't mind a little sweat."
"I get moving a few times per week and enjoy some exertion."
"I want to feel invigorated each day and going hard is how I like to do that."
Great Walks of Australia
Join us on this wonderful journey to discover highlights of the incredible east coast of Australia. Begin in the island state of Tasmania – rich in colonial history, spectacular scenery at every turn and abundant with fabulously fresh food and wine. Explore historic Hobart and the striking scenery of Bruny Island before joining an unforgettable 4-night walking trip on Maria Island. Indulge yourself at award-winning Saffire Freycinet overlooking the waters of Great Oyster Bay. Head to idyllic Lord Howe Island for some low-key relaxation in paradise-surrounds. Then, spend your final night soaking in the views from atop the iconic Sydney Harbour Bridge.
Trip designed by Travel Expert Annalise AndrewsView Annalise's Profile
Currency Conversion
Converted from USD based on the latest exchange rate. Final amount and payment will be in USD. Final conversion rate is determined by your bank.
Request your date for exact pricing 14 Days / 13 Nights
Hobart to Sydney Start Planning request a
Ready for Adventure?
Simply fill out this form to view the itinerary. We'll also email you a copy so you can refer back to it later.
How do you want to travel?
Australia East Coast Walking Private
Ready-to-Book private tours are designed to be enjoyed off-the-rack, but there is room for minor adjustments to fit the trip to your needs. If the gap is too great, then we'd be happy to tailor-make you a Bespoke trip from scratch. Simply tell us a few details about your group and select your preferred date. One of our Trip Designers will spring into action, confirming the details or exploring alternatives, over the next 48 hours.
Best Time to Visit
Have a custom trip designed exactly to your interests. Like a tailor making a bespoke suit, it will fit you perfectly.
Our Bespoke trip designers are a talented bunch who can craft unforgettable experiences for your specific group—and working within your needs and budget.
Get in touch with a Trip Designer to begin planning your perfect vacation.REQUEST A QUOTE
Day by Day
Take in spectacular panoramic views from the top of Hobart's Mount Wellington. Pass by the historic Cascade Brewery (a proud local favourite) as you descend the mountain on two wheels. This evening, enjoy one of the many fabulous restaurants in town at your leisure – we'll be happy to suggest some of our favourites!
Spend today discovering (and sampling) some of Bruny Island's great local fare, including cheeses, oysters and wines. Later, enjoy a fabulous eco-cruise exploring the rugged island coastline—a breathtaking journey along some of Australia's highest sea cliffs and into deep sea caves.
Uncover the wilder side of Tasmania as you begin a gentle four day walking journey over beautiful Maria Island. After a full day of walking, dinner tonight is a three-course meal of fresh local produce prepared directly at your peaceful beachside camp.
Spend the day hiking across five fabulous beaches and hearing stories of the island's history, spotting dolphins and other wildlife along the way. Dinner is in candlelit surroundings, sampling the finest local fare and award-winning Tassie wines.
Explore the former convict settlement of Darlington and learn about its doomed silk-weaving, wine-making and cement manufacturing industries. Tonight, your stay is at the elegant colonial Bernacchi House, where you'll be treated to a well-earned hot shower and sumptuous banquet in this historic homestead.
Begin the day with an exquisite breakfast before exploring the wildlife, sea caves and cliffs around Fossil Bay. After lunch, you'll be transferred to the luxurious Saffire retreat on the Freycinet Peninsula. Dinner tonight is in the lodge at Saffire, overlooking the Hazards.
Today, choose from a wide variety of activities available at the gorgeous Saffire Freycinet. Don't miss the chance to slip on a pair of waders and get a glimpse into the secret life of shellfish in Great Oyster Bay—your chance to sample some of the freshest, most pristine seafood in the world!
Enjoy breakfast at the hotel before catching your flight to Sydney. Spend the afternoon exploring the city with a private tour designed to suit your needs. Go for a dip with the locals at Bondi Beach and then head back to town for a behind the scenes tour of Sydney's most iconic building, the Opera House.
Get ready for a private e-bike tour of Sydney this morning with your local guide. Then, meet up with our friend Captain Colin for a private two hour sailing cruise of Sydney Harbour as he shares this city's intriguing history, taking you past the luxury homes, leafy parks, beaches and landmarks of the harbor.
Hop on a flight to Lord Howe Island this morning where you'll spend the next three days in the stunning subtropics - one of Australia's hidden gems. The island is covered in volcanic peaks and lush forests, set against serene lagoons and rolling waves. Indulge and enjoy at your own pace!
Continue to discover Lord Howe Island today - explore some of the fabulous mountain hikes, snorkeling and diving, or make use of Capella's mountain bikes.
Take advantage of wildlife that surrounds on your final full day at Lord Howe. Head out for a day of bird and nature-watching, indulge in the lodge's fabulous food and wine, or relax at the luxury spa.
Say g'day to Sydney again for your final night in Australia. Get up close and personal with one of Sydney's most beloved landmarks as you embark on a heart-pumping four hour Harbour BridgeClimb. Prepare for stunning views of the city as far as the Blue Mountains - a superb way to finish your two-week journey.
Enjoy a final morning in Sydney before heading to the airport for your onward flight home. Bon voyage!
day-by-day breakdown?
Click below
Barefoot luxury.
The Henry Jones Art Hotel, Hobart
Located on the Hobart waterfront, the Henry Jones Art Hotel is a dedicated exhibition, furnished with over 300 artworks. The site was built back in 1804 and was originally a famous jam factory owned by Henry Jones. It's now a fusion of art, heritage, tradition and nature with 56 uniquely fitted rooms and suites. View hotel website »
Maria Island Walk, Maria Island
Experience two nights of 'glamping' in eco-camps on Maria Island, where you can fall asleep to the sound of gently lapping waves just outside your doorstep. The final night on the island is at the beautifully restored Bernacchi House, a rare, heritage-listed house dating back to 1880. View hotel website »
Saffire Freycinet, Coles Bay
Built beside the azure waters of Great Oyster Bay, Saffire Freycinet sits on the gentle curve of sandy coastline that joins the Freycinet Peninsula and mainland Tasmania. The suites offer a large, open-plan living area with a private courtyard and outdoor deck with lounge, and a bathroom overlooking Great Oyster Bay. Head chef Iain Todd ensures food plays a vital role here and uses only fresh, local produce. View hotel website »
Pier One Sydney Harbour, Sydney
Built on an old shipping pier beneath the shadow of the Sydney Harbour Bridgey, Pier One Sydney Harbour is a blend of restored architectural heritage and contemporary design. Original timber and ironwork from the historic wharf are featured in the rooms, while the waterfront restaurant offers one of the best harbour-side locations in Sydney. View hotel website »
Capella Lodge, Lord Howe Island
Overlooking the waters of Lovers Bay, Capella Lodge is the ultimate luxury on World Heritage Lord Howe Island. It's the perfect blend of sophistication and sub-tropical relaxed hospitality. Designed to complement the island's natural beauty, the beach-chic furnishings and generous decks exude barefoot luxury at its best. View hotel website »
We never wanted to be the biggest travel company in the world, just the best.
— George Butterfield
I don't know how B&R does it – the quality of their trips is so consistently high! Just when we think they couldn't do anything as good as our last trip, they do! Another fantastic experience with B&R.— Carolyn Zaslaw
This trip is appropriate for people who enjoy a good walk or ride, and feel comfortable while on the move. Daily biking distances usually vary from 20 to 30 km and walks are 8 to 10 km, with some longer afternoon options along the way.
The Traveller
"I enjoy going for a good walk and can even handle an incline or two."
The Terrain
Relatively flat, with occasional steeper climbs.Read more on our Activity Levels
What's included? Everything you need. Plus everything you'd
want. Plus a few things you never knew you wanted 'til you got them.
In a word: everything. In ninety words? Signature B&R guides; local experts; unique, unforgettable biking and walking routes; private tours; authentic local cuisine; lessons and demonstrations; local artisanal wines; wine tastings; all victuals and libations; all the endorphins you can handle; new insight; interesting, fun and like-minded travel companions; a feeling of total freedom. In short: an extraordinary, hassle-free journey of discovery.
- All hotel accommodation
- Meals as indicated
- Services of B&R-trained local guide(s)
- Support vehicles during bike ride (Day 1 only)
- Use of a customized bicycle and helmet (Day 1 only)
- Detailed maps and water bottle
- All special events and private tours
- All transportation from rendezvous to drop-off
Sometimes your B&R trip simply isn't long enough! Extend your stay for the best vacation possible. If you wish to spend a few days in region either before or after your official B&R trip, and need assistance making those plans, your B&R Travel Advisor can help.
More Trip Inspiration
Your expectations—exceeded.
And your mind? Totally and utterly blown.
We craft extraordinary experiences, tailor made to meet
your every need, with every stitch of every day crafted
just the way you want it. Learn more about Bespoke


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China is considering a plan to expand a major Siberian tiger reserve in the northeast and move out half of the local residents in order to better protect the rare species, an official said Thursday.
The Hunchun National Siberian Tiger Nature Reserve in Jilin province will be increased by 524 hectares in areas if the proposed plan is adopted by the State Council, China's cabinet, said Lang Jianmin, director of the reserve's scientific research and publicity center.
The State Forestry Administration has already approved the plan, which will see half of the 6,000 residents currently living in the reserve relocated, according to Lang.
The remaining residents in the reserve will gradually move out of it along with the local urbanization process, he added.
The move aims to reduce human disturbance to wild Siberian tigers as deforestation by locals, and their frog breeding businesses in the reserve affect the tigers' living environment, according to the official.
The reserve, currently at 100,000 hectares, has 70 percent of its land owned by the state, while the remaining 30 percent by farmers.
Lang said about 10 percent of the land owned by farmers will be no longer part of the reserve, while more state-owned forest will be included into the reserve.
Currently, villagers in the Hunchun reserve can cut trees on land owned by them upon government approval, or breed frogs for food in the forests. These are the major means of income for some locals.
Sate-owned forests in the reserve have been kept untouched since the reserve was established in 2001.
Compensation policies are under discussion to discourage villagers from chopping trees in the reserve, according to Lang.
Siberian tigers, also known as Amur or Manchurian tigers, mainly live in east Russia, northeast China and northern parts of the Korean Peninsula. Less than 500 Siberian tigers are believed to currently live in the wild, with an estimated 18 to 22 in northeast China's Heilongjiang and Jilin provinces.
With strengthened protection efforts such as repeated crackdowns on poaching, the number of wild Siberian tigers in Hunchun has doubled in the past 15 years, according to Liu Peiqi, executive manager of the Wildlife Conservation Society's China Program.
Three to five wild Siberian tigers were found in Hunchun in a survey conducted in 1998 by experts from China, Russia and the United States. The latest survey, in 2012, showed the number was six to seven in Hunchun.
Bee reserve stings planned tiger reserve2013-07-30
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With millions of businesses now selling online, it makes sense to be present and active on social media. But, the one industry that's still very much 'bricks and mortar' when it comes to selling is the restaurant industry. Whilst catering and hospitality has quickly taken off online in the form of online food delivery and take-out apps, there are times when it calls to go out for a meal away from home. Because of this, many restaurants still pay a lot of attention to offline marketing methods, for example posting flyers through doors or placing posters and billboards around town. But, in a world where people check out a place online before they book a table, it's imperative to have a social media presence. Here are some of our top social media marketing tips for restaurants.
Tip #1. Take Advantage of Images:
The popular social media sites, such as Facebook and Twitter, will give you the option to upload a profile and cover image, along with various posts to your profile. It's important to take full advantage of this, especially the cover image. Whilst your profile picture should ideally be your restaurant's logo or even a photograph of the sign outdoors, your cover photo can be used to convey the atmosphere inside, for example by posting a photo of your tastiest dishes, or even getting permission from your guests to take a photo of them enjoying their visit.
Tip #2. Upload Your Menu:
There are many reasons why a potential customer might want to check out your menu items before they decide whether to book a table. But, many restaurants today still haven't got their menus uploaded online. Even if your menu is clear on your website, it's a good idea to also upload it to social media. Many customers will go straight to social media to check out a new place to eat, before deciding whether it's worth clicking through to your website. So, make sure that they can find everything that they are looking for. Find menu design templates here.
Tip #3. Engage with Your Customers:
Once you've created your profile on Facebook and Twitter, uploaded some great images, and made sure that your menu is easily accessible, you might think the job is done. But, it doesn't end there – in fact, your social media journey has only just begun. To get the best results from your social network presence, you'll need to be shouting out loud – a page with no content or follower engagement is quickly going to lose rankings and won't spark anybody's interest. Instead, post interesting status updates, polls, questions, photographs, articles and more to keep your followers informed and up-to-date.
Tip #4. Online Reviews:
Some social networks, for example Facebook, give brands the opportunity to switch on a review feature. Allowing your customers to leave reviews on social media is a great idea, since you will be notified straight away and can then follow up with that customer to thank them, or apologize for a bad experience.
Share your social media marketing tips for restaurants in the comments below!


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"The Theme Is Your Spine"
Yesterday I quoted a remark by comics novelist Alan Moore on how a powerful plot works. In the same essay that passage came from, Writing for Comics, Moore also insisted: "A plot isn't the main point of the story or the story's main reason for existing. It is something that is there more to enhance the central idea of the story and the characters who will be involved in it."
And earlier, "A good starting point would perhaps be the aspect that lies at the very heart of any creative process: the idea. The idea is what the story is about; not the plot of the story, or the unfolding of events within that story, but what the story is essentially about."
That reminder is echoed in another book called Writing for Comics, by Peter David--another scripter who's achieved a great deal of respect in adventure comics, if not the outright adulation that Moore can inspire. Using different terminology, David offered similar advice:
Furthermore, you need to have a solid grasp of your theme. If ideas and conflict are the skeleton of your story, the theme is your spine. I define theme as that aspect of the human condition upon which your story offers commentary. Ideally everything that transpires in your story should somehow connect to your theme. It sounds simplistic, I know, but you must have a clear idea of your theme, and whence the conflict stems, before you embark upon telling your story. Without that, your story will be unfocused and vague. While books about writing fiction in prose forms also discuss "the theme" or "the central idea," I rarely see such emphasis on that quality as a necessary early step in storytelling. Rather, many novelists argue that their themes develop as they write, and are in any event far more interesting to English teachers than to working writers. Novel-writing advice books often stress characters as the starting-point.
I think there are several reasons why these two writers put so much emphasis on theme in their advice to people wanting to enter the comics field.


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Ever thought you were totally over something, thought you had made peace with a turbulent time in your life, thought you and the other person had resolved your differences? Then, all of a sudden, out of nowhere, there it is! Slapping you in the face with just as much vigour as before, if not more.
Been there? My bet is we all have at some point in our lives and often we are left wondering how and why it is back. You realise that perhaps you hadn't totally gotten rid of all the old emotions and frustrations that you thought had been nicely sent away, never to return again. It can feel like the lid has been pulled off a tightly packed jar and all the 'stuff' has spilled out all over the place.
So, have we taken ten steps back from where we thought we had got to? Are we destined to repeat this pattern time and time again? Or, could there be another reason for such uncomfortableness to resurface?
I like to think that this is actually simply another step in the healing process. I see clients thrown time and time again by what some may term as 'blocks'. Things they thought they had gotten over, completely resurfacing just when they thought they had nailed it.
I would suggest a change in perspective. Like each time these feeling resurface it's like someone has turned the light up allowing you to explore them in more depth and with more wisdom behind you. For me, these situations that cause such resurfacing, are not what it is about at all. They are simply the trigger that is needed for you to revisit some old hurts at a deeper level. Because actually, you are now more advanced in your learning to open into the next chapter of your inner understanding. So, not a 'block' at all but more an opportunity to plant a new seed of potential.
Things only show up when you are ready, not before. Sit with it, ask for inner guidance for the next step and commit to planting your new seed of opportunity, peace and wisdom … then watch if flourish. But, remember, it will need a little nourishment and nurturing along the way.
With an open heart and a helping hand,
Kirsty x
Resonate with this post and want to see how your energy is responding? I would suggest Reiki or our Solar Plexus Chakrosanct treatments to help reconnect. Book online with me here.


text: Low levels at Cape Town's Theewaterskloof Dam. Smart meters could slow water loss. Reuters/Mike Hutchings September 3, 2017 How smart meters can save water in drought ridden Cape Town MJ (Thinus) Booysen, Stellenbosch University Smart meters may help water saving initiatives as the drought persists in South Africa's Western Cape. It can help those who need achieve saving targets.


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Silky and Sexy Legs...And More~Coochy is inexpensive and works great. I wish it came in a bigger bottle but still for the price it is worth it. Also, you do not have to shave everyday which may be good for some, because if you are anything like me, I hate shaving. But Coochy makes life a little easier and I look forward to shaving now.
Rash free, Can use in the shower, Smells good
4 fl.oz size bottle wish it were bigger
This product is made from Body Boudoir and called Coochy. It is a rash free shaving creme. It was designed to make your legs feel sexy. Perfect for intimate shaving as well as legs, underarms, face and body just as the bottle says. This product is made for a woman with its feminine smell. Unlike most products, Coochy is made in the U.S. I have sensitive skin, and it says it is safe for all skin types. I did not have any problems with the fragrance. It is also paraben-free, sulfate-free and sugar free as well. If, you do have any irrigation you should discontinue use. I will not continue to use anything if it irritates me! If, you want a shave creme that helps prevent embarrassing shave bumps this is a great product for you!
Texture / Consistency / Thickness / Viscosity
It feels like a thinner lotion and has the consistency of one too. It has a silky feeling and leaves your legs feeling smooth. It is enhanced with hair and skin moisturizing agents. You can use it for a body shave and for a conditioner for your hair after shampooing. It actually reminds me of a Suave conditioner. It has a pump, so it comes out easily, but it will not dump out if you take the lid of and tip it over.
Taste / Aroma
I love the smell of this product, and the smell is not over powering like some. It smells like a rose petal perfume. It is a light pink color, and I chose the Make Me Blush fragrance. It is described as a breath of petal softness combined with sweet pea and blue violet with a blush of powdery white cedar. It smells awesome.
How long does it last? Well before I shaved with it, I put some on my hand and ran it under water to see if it would wash right off and it did not. I had to rub it off and then wipe it with a paper towel. You are suppose to wet area to be shaved, than apply to area by using your hands and cream it all over. Shave than wash area you shaved. It was really easy to wash off with a wash rag after I shaved my legs and it made my legs feel smooth. I am very pleased with this product because I did not break out and that is a big plus! I highly recommend this product. I love the sexy, and silky feel of my legs after using Coochy and it leaves my skin feeling like I put lotion on already!
Coochy come in a little plastic bag tied in a knot. It has a clear plastic lid that clicks on and off that is great for traveling. It also comes in a 4 Fl.oz (118ml) bottle. It was a little bigger than I intended. The bottle is clear with a dark pink wrapper on it telling about the product. It says Body Boudoir on the top with a C in a square. It also says Coochy Rash free shave creme for sexy skin. Than the fragrance is listed at the bottom. Mine is Make Me blush~ One the back of the bottle it has directions just as other shaving cream would. The bottle is plastic, so you will not have to worry about rust if you leave it in the shower. I used to use Skintamate which I loved but, the bottle left nasty rust circles on the tub, So I had to find a new love. The bottle does not leak which is another great pro for me.
Special Features
Special features ~ Rash free
~ You can use it in the shower or the bath since it does not just wash off once the water hits it.
Water(Eau), Cetyl Alcohol, Cetrimonium Bromide, Stearyl Alcohol, Hydroxyethylcellulose, Glyceryl Stearate, PEG-100 Stearate, PEG-60 Lanolin, Simmondsia Chinensisa (Jojoba) Seed Oil, Hydrolyzed Keratin, Panthenol, Allantoin, Phenoxyethanol, Methylisothiazolinone, Sodium Hydroxide, Fragrance(Parfum), May also contain: Yellow 6, Blue 1, Yellow 5, Red 40, Red 33, Violet 2.
Notice this product is not tested on animals!
~ You can use it in the shower or the bath since it does not just wash off once the water hits it.
Water(Eau), Cetyl Alcohol, Cetrimonium Bromide, Stearyl Alcohol, Hydroxyethylcellulose, Glyceryl Stearate, PEG-100 Stearate, PEG-60 Lanolin, Simmondsia Chinensisa (Jojoba) Seed Oil, Hydrolyzed Keratin, Panthenol, Allantoin, Phenoxyethanol, Methylisothiazolinone, Sodium Hydroxide, Fragrance(Parfum), May also contain: Yellow 6, Blue 1, Yellow 5, Red 40, Red 33, Violet 2.
Notice this product is not tested on animals!
Personal comments
I love this product and I will no longer be buying shaving cream from Walmart. Thank you Coochy. I <3 you.
My husband says my legs feel silky smooth, and of course that is what I was going for. So my only real complaint that I have is that it is only a 4 fl.oz bottle. I like having a shaving cream I can use while the shower is running that will not just wash away. It also leaves your skin feel like you already put lotion on without the greasy feeling.
Follow-up commentary 3 months after original review
I love couchy and I will be buying more. Mine finally ran out but even when I got to the end of it I added a little water and shook it up and still worked great. this is one product I really enjoy having around!
This product was provided at a discounted price in exchange for an unbiased review. This review is in compliance with the FTC guidelines.
I dont understand why the pictures are side ways! They are turned in photbucket, So why are they sideways here? Anyone got an idea?
I like coochy, but it does break out my legs. If you purchase another shave cream try Simply Senusal.
thanks for the review
I saw your review on that beck! and yes I want to try it!
I saw your review on that beck! and yes I want to try it!
Thanks for the review!
This looks fantastic, thanks for the great review!
Thanks everyone that reads!
thanks for the review i love this stuff
nice review
awesome review!! thanks!!
Thanks for the review!
Thanks for the review
This stuff is great, I have used it for quite a while now and ti works very well.
Nice review.
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Joshua Abrams and Natural Information Society // Simultonality
Joshua Abrams and Natural Information Society are possibly not a group you are familiar with. But Abrams and his band are certainly seasoned musicians; having worked with the likes of Godspeed! You Black Emperor and Joan of Arc, he is no doubt an ever-interesting musician. Abrams and his constantly shifting line up of musicians known as Natural Information Society, create abstract instrumentations around an instrument known as a guimbri. A bass-like instrument used in traditional music of the Gnawa people of Africa. Abrams blends this traditional instrument with a variety of different, more modern styles, from jazz to post-rock. The result is a trippy blend of old and new.
Simultonality is very much a thought-out album. Its songs average around 8 minutes and meander through many different instruments and sounds whilst often retaining a simple meditative loop played by the guimbri. Second track 'Ophiuchus' opens with a noisy concoction of different instruments moving into intense drumming over striking synths and crunchy guitars. The song is loose and almost messy but still, retains its structure through the guimbri. This feeling of loose structure is very much carried throughout the album.
Despite the long songs and repetition, this album is certainly not boring. Calming bells on 'St Cloud', and the smooth tenor sax from Ari Brown on '2128 1/2' break up the fast-paced nature of other songs on the album. Creating a varied and interesting listening experience. In this sense, it's hard to pin down Simultonality, but as Abrams himself puts it, it is an album of "pure motion". The album doesn't stop, even in its quieter moments, there is still a sense of motion. This constant motion leads to a meditative feel, the repetition and pace forces you to become focused on the music and listen to what's going on. This is not a coincidence either, one of Abrams aims with this project is to coerce listeners into a meditative centre; something he achieves very well on Simultonality.
Some listeners may struggle with Simultonality's unusual structure but this is where Abrams pushes the boundaries of his music. You are never quite sure what might come next. A chilled afro-beat inspired harmony, smooth Chicago Jazz or even aspects of krautrock; or indeed a blend of all of the above and more. Joshua Abrams and Natural Information Society almost act like a factory production line, each person is doing something different that on its own wouldn't make sense, but combined creates something interesting and often beautiful. And that's what Simultonality is at its core. An interesting and beautiful album that is effortlessly enjoyable.


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Applications:Our clean-in-place system can be used for small sized food production line. This system takes full control of the temperature,pressure,concentration,flow rate,liquid level,and other aspects. Thus, it can cate for the needs for automatic cleaning o all product stages.
1. We have advanced procesing technology
2. High quality guaranteed
3. Two years warranty, good after-sale service
4. Quick delivery. Accept different payments,L/C ,T/T,D/A,D/P,etc.
This type has many advantages.
First of all ,it can make the production plan reasonable and improve the the produce ability.
Secondly, to compare with the hand-wash, it doesn't influence the cleaning result because of the worker's difference, on the contrary,it can improve the products' quality.
Thirdly,it can perevet the dangers of cleaning work ,so that we can save the work force.
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Fifthly, it can extend the ser-vice life of the machine parts .
Sixthly, it includes three types, one is the handworksystem, one is the semi-automation system,and the other is the whole- automation system ,so it is easy for customer's selection.
Welcome to contact us for more information!


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We have proposed, fabricated and demonstrated experimentally a set of Coherent Direct Sequence-OCDMA en/decoders based on Super Structured Fiber Bragg Gratings (SSFBGs) which are able to compensate the fiber chromatic dispersion at the same time that they perform the en/decoding task. The proposed devices avoid the use of additional dispersion compensation stages reducing system complexity and losses. This performance was evaluated for 5.4, 11.4 and 16.8 km of SSMF. The twofold performance was verified in Low Reflectivity regime employing only one GVD compensating device at decoder or sharing out the function between encoder and decoder devices. Shared functionality requires shorter SSFBGs designs and also provides added flexibility to the optical network design. Moreover, dispersion compensated en/decoders were also designed into the High Reflectivity regime employing synthesis methods achieving more than 9 dB reduction of insertion loss for each device.
©2012 Optical Society of AmericaFull Article | PDF Article
OSA Recommended Articles
Bo Dai, Zhensen Gao, Xu Wang, Nobuyuki Kataoka, and Naoya Wada
Opt. Express 19(13) 12248-12260 (2011)
Bo Dai, Satoshi Shimizu, Naoya Wada, and Xu Wang
Opt. Express 22(3) 2236-2246 (2014)
Ihsan Fsaifes, Catherine Lepers, Mounia Lourdiane, Philippe Gallion, Vincent Beugin, and Philippe Guignard
Appl. Opt. 46(4) 456-462 (2007)


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Graphic Design (K-12)
The graphic design major covers design theory, design history, materials and processes, as well as graphic design studio/professional industry standards and practices.
You will gain knowledge and skills in print-specific practices, Web design, motion graphics for film and television, interactive applications, and branding and identity. The School of Education and Human Services (SEHS) and the College of Arts and Sciences (CAS) offer a fifth-year secondary teacher education program (STEP) leading to recommendation for Michigan secondary standard teacher certification. This certification is valid for teaching content area in grades K-12.
Contact Information
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This tool should only be used as a guide — remember to meet with your academic adviser, Career Services and/or faculty to determine appropriate career options.
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Multimedia Artist or Animator
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High School Teacher
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Middle School Teacher
- Possible Career Options
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- Advertising Manager
- Creative Consultant
- Creative Manager
- Design Technologist
- Desktop Publisher
- Industrial Designer
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- Production Specialist
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- Web Developer
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See THIS LINK
A nephew, Charles Gregory was professor of mathematics here to 1739 and was succeeded by his son David Gregory (1712-1765) [Turnbull].
The Regius chair was held by Herbert Westren Turnbull (1921-1950), and E.T. Copson (1950-1969).
Napier (1550-1617) was a student in 1563-1565 but didn't take a degree.
Arbuthnot graduated in medicine in 1696.
In 1753, the University awarded a degree to James Short, the noted telescope maker who had moved from Edinburgh to London in 1738. This was done at his request, though he was already an FRS for 15 years. [Wray].
John Playfair (1748-1819) was a student.
John West (1756-1817) entered as a student in 1769. He later became a teacher of mathematics, with James Ivory and John Leslie being among his students. His Elements of Mathematics of 1784 was popular in Scotland, but he found his income inadequate and emigrated to Jamaica in 1784. [Craik]
David Brewster (1781-1868), inventor of the kaleidoscope (1814, patented 1817, but not adequately and he didn't make any money from it) and first biographer of Newton, was Principal of the United College of the University in 1838-1859. FRS, 1813. The kaleidoscope certainly existed in some form before Brewster, but he described it in the Phil. Trans. in 1815, patented it in 1816(?) and popularized it through his Treatise on the Kaleidoscope in 1819. He studied polarization of light and received a Rumford medal for this in 1818. He also was an inventor of the stereoscope - Wheatstone had a similar device and they are considered the joint inventors, though Huygens had described a similar device in 1659 - and of dioptic lenses for lighthouses. A founder of the BAAS. Kt. in 1831.
John Stuart Mill was Lord Rector in 1866. [Crosland]
Chrystal was professor in 1877-1879.
D'Arcy Wentworth Thompson (1860-1948), of On Growth and Form, was a professor here from 1917 and there was a bust and a display commemorating him and his work in the foyer of the Physics Building - it was not there in 1992.
J.C. Adams was a Professor here before returning to Cambridge.
The foyer of the Physics Building has an exhibition of scientific instruments, including a great astrolabe made and signed by Humphrey Cole, 1575, a mariner's astrolabe made and signed by Elias Allen in 1616 - the only example definitely known to be made in England - and an orrery by Benjamin Cole, c1750. One of the astrolabes was probably brought by James Gregory, c1673. There is also a wave model by Charles Wheatstone, c1840, of which only one other example is known - at the Royal Institution, London. A microscope of Brewster's is also on display [Wray]. However, [Craik] reports that the Cole and Allen astrolabes have been removed for safe keeping.
In 1552, Cardan (1501-1576) was summoned to St Andrews and successfully treated John Hamilton, Archbishop and brother of the Regent of Scotland, for asthma (and general dissipation) so severe that his life was feared for. [Guthrie] says the consultations took place in Edinburgh and Monimail, Fife.
To see an Ordnance Survey map click at THIS LINK
|Previous entry
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|Gazetteer Index
|Map form of the Gazetteer index
|Main MacTutor index
An extract from The Mathematical Gazetteer of the British Isles created by David Singmaster
The original site is at THIS LINK


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Welcome to Life's Perceptions
Life's Perceptions is a spiritual website specializing in Psychic Tarot Intuitive Readings. Tarot is an empowering and transformative tool that can provide you with options and solutions to life's challenges.
Grace and Michaela are accomplished Intuitive Counselors with a combined 27 years of experience in reading professionally. Our ability to channel and access Spirit Energy will provide you with strategies and tools to navigate your life for your Highest Good. We are able to assist you in gaining clarity and insight into your current situation and provide guidance for your life path moving forward.
We offer Tarot Readings and a Tarot/Channeled Message Reading. You have several timeframe options as well. We invite to explore our website for more detailed information on the tarot readings available.
Newsletter...Our monthly newsletter, "In Spirit", is meant to inform, inspire and entertain. The information will pertain to the energy for the month including a brief monthly psychic reading. Note: This is not an individual reading rather it is a monthly reading with guidance for all. You can subscribe to our newsletter in the sidebar of this website. Enjoy!
We look forward to working with you.
Many Blessings,
Grace and Michaela
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本帖由 forward 于 2013-03-17 发布。版面名称:教育培训
Even though there are up or down, the mark are very close. Some schools have only 0.1 difference compared to other years. I would focus on five year average instead. Those high schools in Barrhaven are unlikely getting worse as inflow of Asian kids from other parts of city. The trend can be seen from the upward movement of Longfields-Davidson.
Kanata Lakes的中国孩子去Earl of March的少了?
那为啥West Carleton越来越好?有人说那学校的activity差?我怎么听说是那学校的冰球场是ottawa最好的?谁来科普一个那个学校?
我就没说差,我说的是越来越好,锦上添花 这回进了前十了,我家孩子就打算去这里了
哥早就指出, 等八村学校一上榜, 神马抠了败李思旮全没戏.
There must be something in the Barrhaven water. The burgeoning community has become a haven for sharp young minds, with four of its high schools securing top 15 spots in the Fraser Institute's Report on Ontario Secondary Schools. The schools — nearly a stone's throw from one another — run the gamut from public to Catholic. Andrea Steenbakkers, executive director of the Barrhaven BIA, explains the foundation of strong schools in the community is what drives parents to the area.
"Barrhaven i s growing faster every year and it's opening the door for lots of new families to make the community their home," said Steenbakkers.
But more importantly, families that move in make roots there. Since Barrhaven's rapid growth in the late 1990s, mostaffluent children have grown up and had kids of their ownwhogoto school in the community.
Families in Barrhaven's schools have an average combined income well over $ 100,000 and have access to a wealth of sports centres and community centres that gives them an edge over many inner-city schools.
"Parents in Barrhaven tend to be very goal- oriented," said Steenbakkers. "They're very results- oriented parents and children are raised in that way to set goals and to achieve them. It's part of the culture."
Barrhaven also has easy access to both Carleton University and Algonquin College without having to take the highway trough heavy traffic.
Fraser Institute researcher Peter Cowley said it's important for parents to look beyond the rankings but that strong communities breed highly academic schools.
Yet French schools in the area — and across all of the city — aren't making the sameimpression in the rankings as their English counterparts. Only two French schools made it into the top 10 rankings, including De La Salle and Gisele Lalonde secondary schools.
School and school board officials would not comment on the report, citing skepticism over it.


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Rockbox Ports are now being developed for various digital audio players!
2. My primary OS is Windows XP Pro SP3. I'd like to be able to have the tool for windows. How would I be able to build an exe for Win?
Page created in 0.106 seconds with 60 queries.


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Opportunism and pragmatism
La Française's CIO Cross Asset Joël Konop selects funds with a mid-long term view. But strategies remain flexible.
Joël Konop is chief investment officer Cross Asset at La Française. Based in Paris, his team has around €6bn of assets under management, of which half come from fund of funds. Overall, La Française AM has some €48.3bn of AUM as at 31 December 2014.
All funds are actively managed. Views of the Cross Asset team are on a mid-long term when investing in a vehicle. "We are not investing in a fund just for two months, except in case of exceptional circumstances if some market conditions require it," Konop says.
Both quantitative and qualitative approaches are used for the fund selection process. "We are also opportunists.
We know some funds, managers come to us and we look at how their funds perform in a single universe."
"Even though a fund can perform very well on the quantitative side, you have to check how it is really performing. Quantitative is vital but we look also at the qualitative, the process, the strategy approach," Konop adds.
Recently, work has been done on bond fund selection, since a number of products have been launched due to the low rate environment.
"Consequently, the fund selection was more intense and interesting, because we find back on the bond picking what we have not found for years on the stock picking in Europe," Konop observes.
This year has also seen a reallocation to the European equities market at the expense of the US equities market.
"We consider that there is still potential in the European market but that won't be a straight line. So we may slow down a bit on the European equities market and wait for signals from the Fed," he explains.
According to Konop, yield can be found currently in high yield bonds and still on European peripheral debt rates "although the yield there has dramatically decreased."
"We may look at high yield in the US as well as at emerging markets debt rates. Convertibles offer good perspectives too," he assesses.
Regarding emerging markets, La Française AM Cross Asset strategies remain "a bit away" from them as "flows are still uncertain and fundamentals not so robust." Moreover, the prospect of a rate hike by the Fed leads Konop to think that "flows will not boom in this market."
The team also invests in futures and trackers, although they prefer the latter because of "some dangerous biases" that can be seen in futures, Konop argues.
US and European equities managers form the basis of La Française's Cross Asset portfolios. If carte blanche is
given to managers for the stockpicking, Konop cares about having a global view of their strategies.
Konop defines two types of fund managers in the Cross Asset team: "On the one hand, we have managers running a core management approach in order to generate alpha; and on the other we have more atypical managers with a core-satellite approach."
He lists transparency and communication as key competences of managers.
Also, they should be able to demonstrate resistance in their portfolios and a constant process, while "changes in the fund management and managers transforming their process in order to improve a disappointing performance" appear "suspicious" to Konop.
Among red flags for funds, Konop looks to eventual fines from regulatory authorities threatening the vehicle, and he seeks to determine if the assets under management have dropped as "that could have an influence on liquidity."
"Another red flag would be a performance which is not be the one promised by the manager or a manager who is not acting in the market like he should do," he says.
However, Konop shows pragmatism. "If a fund does not perform, we will not remove it immediately, but we will try to understand why before removing it."
It will be removed if there is a change in process, or when the strategy in no longer in line with the asset manager's philosophy.
As a major development to happen in the industry, Konop foresees that internet companies like Google and
Yahoo will soon launch fund selection activities.
"They are everywhere, why would they not be present also in this sector? The channels of distribution can
change but the service will remain. It is up to us to make the difference on the service," he concludes.
Joël Konop has 27 years of investment experience. He has been working for La Française AM since March 2000. He was appointed CIO Cross Asset at La Française AM in February 2014. Formerly, he was head of the diversified fund of funds team and portfolio manager of funds such as LFP Patrimoine Flexible.


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The survey will provide critical input into Australia's first 10-year Defence Industrial Capability Plan, which the government will release in mid-2017.
Minister Pyne said the survey would help establish a baseline of Australian defence industry capability today and planned development over the next year.
The Defence Industrial Capability Plan will outline the government's strategy for strengthening Australian defence industry over the next decade and beyond, including opportunities to support delivery of the Integrated Investment Program released last year with the 2016 Defence White Paper.
Early consultation forums on the Defence Industrial Capability Plan were held in each state and territory in late 2016, and will continue in the first quarter of this year.
"The Defence Industrial Capability Plan will be a centrepiece of the government's strategy to position our defence industry to seize the unprecedented opportunities available over the next decade and beyond," Minister Pyne said.
"I encourage all companies with an interest in supporting Defence to complete the survey and to contribute to this seminal work for the future of our Defence and sovereign industrial capability."
The survey is open until 31 January 2017 and is accessible through https://dricco2016.questionpro.com/.


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While there are hundreds of health-related apps on the market, Apple wants to put its stamp on a new ecosystem of treatment programs. The tech giant developed a set of software tools and templates, called "CareKit,'' that health-care groups and health-tech startups can use to create their own programs.
Apple says it wanted to help developers build easy-to-use apps for patients to record symptoms, get useful information, track their progress and even send reports to a doctor. Experts say the CareKit program could help bring standards to a relatively new and unruly industry.


text: I'm currently spending my evenings designing an iOS app. It's a personal project so I'm having to squeeze in time between my paid client work. It's proving to be a challenge, but a thoroughly enjoyable one and it's incredible exciting and rewarding to see the app starting to take shape.


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KeyCorp dropped 12% Wednesday after underestimating its exposure to bad loans. Has the subprime slime spread all the way to the neighborhood bank?
I think so, replies Karen Finerman. The regional banks were priced out of the single family mortgage business, so they got into construction lending, which was fine for quite a while. But now it's not. And I don't think we've seen the worst of it yet. However I think it's too early to short any of the banks with considerable exposure to construction loans, she adds.
I like US Bancorp , says Guy Adami. When things clear up I expect this stock to go significantly higher.
What's the bottom line?
If you're looking for ways to evaluate banks then look at the ratio of the bank's portfolio allocated to construction spending.
Regional Bank Construction Loans
as % of Total Loans
Zions Bancorporation (ZION) 21%
Marshall & Ilsley (MI) 14%
KeyCorp (KEY) 11%
Comerica (CMA) 9%
PNC Financial (PNC) 9%
National City (NCC) 8%
Fifth Third Bancorp (FITB) 7%
U.S. Bancorp (USB) 6%
Huntington Bancshares (HBAN) 5%
Wells Fargo (WFC) 5%
SOURCE: Source: SNL Data and Sandler O'Neill


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- Submit an application to the State Licensing Board for Contractors along with the supporting documents. You can obtain an application by contacting the State of Louisiana:
Louisiana State Licensing Board For Contractors 2525 Quail Drive Baton Rouge, LA 70808 Phone: (225) 765-2301 ~ Fax: (225) 765-2431 Website: http://www.lslbc.louisiana.gov/contractors/
- Upon receipt of the application, the State Licensing Board for Contractors will send you an examination scheduling notice with the date of your exam. You will be required to pass a Business and Law exam and the Trade exam for the license you are seeking.
No, the State testing agency does not allow any reference books into the examination area during exams.
You are required to complete six hours per year by December 31st to renew your Louisiana Contractor License. This increased in January 2012 from four hours to six hours each year.
As of February 2012, continuing education is not required for contractors who hold Commercial licenses in the following classifications:
- Building Construction,
- Highway, Street, and Bridge Construction, or
- Municipal and Public Works Construction
To find out more information, please view the February 2012 Contractor News Source Bulletin.
A delinquent penalty of $50 for late renewal of Commercial and Residential contractor licenses may be assessed 15 days following the expiration date.
Failure to renew your license within six months after your renewal date will result in forfeiture of your renewal rights and you will have to start all over.
Simply mail a copy of your Certificate of Completion from our course to theState Licensing Board for Contractors 2525 Quail Drive Baton Rouge, LA 70808.
You DO NOT need to send the Continued Education Form because we have all of the necessary information printed on your certificate.
Yes. The NASCLA-Accredited Exam replaces the Trades exam for Commercial Contractors.
The NASCLA-Accredited Commercial Contractors exam is accepted in these States: Alabama, Arkansas, Georgia, Louisiana, Mississippi, Nevada, North Carolina, South Carolina, Tennessee, Virgin Islands, and West Virginia. This means that by passing one exam, you can easily become licensed to do commercial work in all eight states. Most of the states will require you to also pass the Business and Law exam for that State, but you will not be required to pass a separate Commercial Trades exam.
When you pass the NASCLA Accredited Examination for Commercial General Building Contractors, you will be listed in the NASCLA National Examination Database. You will then have this information available when you apply in any of the states that accept it. You may also need to take each states' specific business/law/project management exam in addition to the NASCLA exam. Learn More
Yes. The Building Construction (Commercial) license covers many classifications, including residential. If you have more than two homes (residences) under contract at one time, you are required to have a commercial license.
Application packets and complete instructions can be found in the state of Louisiana website above. Applications may be downloaded from the site or you may request an application to be mailed to you.
- The Louisiana Contractor License Exam Prep courses take approximately 8-hours, but we move rapidly through the materials. For a thorough review, you may want to allow twice that amount of time.
- The NASCLA Accredited Commercial Contractor Course should take at least 24-30 hours.
Once you register, you have up to 6 months before your course is deactivated. If you need longer, just give us a call and we arrange an extension.
Information is continually added and updated. Please check back.


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NYPD Wants to Jam Cell Phones During Terror Attack
by Homeland Security
January 9, 2009
Homeland Security News, Technology
No Comment
January 9, 2009
Homeland Security News, Technology
No Comment
The New York Police Department wants to be able to shut down cell phones, in case of a terrorist attack.
During last month's massacre in Mumbai, terrorist handlers over micromanaged via mobile phone the assaults on the hotels, train stations, and Jewish center that killed more than 170 people.
In testimony today before the Senate Committee on Homeland Security and Governmental Affairs, New York Police Commissioner Ray Kelly (pictured) said he wanted to take out that "formidable capacity to adjust tactics while attacks are underway." (Wired)


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One of the hot button topics in Buffalo is finding new endeavors and business to improve our town for the future while not neglecting our past history which preserves our legacy. At the dawn of the 20th century, Buffalo was a boom town with the steel, grain, and auto industries beginning to flex their economic muscle. Add to that the Niagara River as a source of water for manufacturing as well as the electrical power being generated at Niagara Falls, Buffalo was a city that the country depended on as the United States began to emerge as the dominating world power in 1900. The Pan American Exposition in 1901 was a showcase for the many uses of electricity that was being generated a mere 10 miles to the north at Niagara Falls. By the 1920's the steel and auto industries were in full swing. Buffalo was the largest grain milling city in the world. A steady stream of lake freighters moved in and out of the canals of downtown as they loaded their ships at one of many grain silos dotting the downtown landscape. World War II furthered the strength of Buffalo's economy. But as the 1960's rolled around many of the city's dominant industries were beginning to show their age and little was being done to keep them updated. New factories were springing up in other parts of the country and very little was being put into the companies that had helped make Buffalo the city that it was, Queen of the Great Lakes. Today, very little is left of these industries, if any at all. Steel production is gone. Grain production is very small compared to it's heyday. Automobile production is still going, but scaled way down from what it once was.
In it's place are new hi-tech endeavors, particularly in the field of medicine. New research at world famous Roswell Park Cancer Institute is at the center of the new medical corrider being built around Roswell and Buffalo General Hospital. But standing in the way of further expansion is the old Trico building where the world's first windshield wiper was manufactured. In it's heyday Trico had 3 large manufacturing centers but the old plant #1 was the last to close.
Manufacturing for all intents and purposes ceased in 1998. The building landed on the National Historic Landmark List in 2001. Efforts to convert the building into mixed use facilities fell apart in 2007. The Buffalo Niagara Medical Commission bought the property and converted some of the building for their use and then sat on the rest until they announced plans to start demolition of the rest of the building starting in April 2012. And then all the conservationists, preservationists, community activist groups, and others started clamoring to save the building. It's historic and a link to Buffalo's past! Now they want to take more time to do a reuse study. Just another stall tactic. They have no idea what to do with it!
Same thing with the grain industry. With the exception of General Mills, the grain industry is a thing of the past. The opening of the St. Lawrence Seaway to shipping in 1959 effectively cut off Buffalo for grain milling. But we still have all the remnants of that glorious past in the form of rusting grain silos.
Yeah they are historic all right. But what are you going to do with them? The preservationists want to keep them here until they can think of a new use. Meanwhile the waterfront continues to be dotted with these rusting hulks of our past. Tear them down and start to really redevelop the waterfront.
The biggest industry from Buffalo's past was steel. Growing up as a kid it seemed everybody had some relative who worked at either Bethlehem or Republic Steel. The sky glowed orange all the time and the fine black soot permeated the air. Steel was king in Buffalo and had been since 1902 when the mills started up. But there in was the reason for their downfall as well. Because of their age, when it came time to build new steel mills or upgrade existing facilities, Bufffalo's steel mills were deemed not worth the investment. So they continued along the same as in the old days until it came time to just close it down. By the early 80's steel production in Buffalo was DEAD, never to return again. Eventually all but a handful of the steel making facilities were torn down. Which leads to one more building on the preservationists must save list! The former administrative headquarters of Bethlehem Steel in Lackawanna. Built in 1901, the company moved into another administrative building in the 60's. Today the building looks like what you see below. The city of Lackawanna has received a court order forcing the current owner to tear it down.
The building is in deplorable shape according to Lackawanna's code enforcement officer. "All the windows are gone, part of the roof has collapsed in the back. You start tearing down one section and the whole thing will come down". No kidding, it's 101 years old!! It's been empty since the Kennedy administration! But oh no wait just a minute comes the cry from the preservationists. Said Tom Yots, executive director of Preservation Buffalo Niagara, "Even in it's present deteriorated state, (italics mine), the Bethlehem Steel administration building hints at our region's grand industrial roots while illustrating our collective great fortune of architectural heritage."
David Torke, a local preservationist and 'urban explorer' said that he was in the building recently and "saw no evidence that the building faced structural collapse". Alright then let's keep it standing!
Just like the Trico plant and the empty grain silos this building as well hilights the reason Buffalo has not been more progressive in this now 21st century. While I can understand the fact that these great old structures are a reminder of Buffalo's past legacy, they are now standing in the way of the business and commercial ventures we need to revitalize our city for the future.
I love history but I don't need to see the actual buildings where all that history was made. That's why we have museums andrr books. Let's move forward. Even Yankee Stadium, the house that Ruth built, is gone and replaced with a modern stadium. Let's get rid of these empty structures and start building new ones that will move us forward into the future.
only in Buffalo…


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Our Team
Our strength is based on a 'team of teams' approach allowing us to respond to customers with speed, agility, insight and knowledge. We are continuously seeking ways to improve how we do business that will enhance the customer experience and bring value to our relationships.
Some of our terrific teams include
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Meet some of our team
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Currently Reviewing: Welcome to the NHK
What We've Said Recently
- Episode 23: Welcome to Misaki and Episode 24: Welcome to the NHK July 1, 2017
- Vinyl – Hipster Affectation, Archival Format, Late Stage Capitalism Freak Out January 16, 2017
- Federale – They can Even do it Live January 15, 2017
- Episode 21: Welcome to the Reset and Episode 22: Welcome to God! January 14, 2017
- Lazy Friday Videos (warning:drumsolos) January 13, 2017
- Federale – All the Colours of the Dark January 12, 2017
- More Bowie, All the Time… Sometimes January 11, 2017
- When I Met You – David Bowie January 10, 2017
- Emerson, Lake, and remembering January 9, 2017
- A Traitor's Self-Indulgence – My work for Cinema Sentries in 2016 January 8, 2017
Random Goat Reviews
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Anime Review Archive
Episode 23: Welcome to Misaki and Episode 24: Welcome to the NHKPosted on July 1, 2017 | No CommentsWhen I was young (late 90s, times like that) the appeal of anime was that it would tell stories that Western pop culture shied away from – the heroes had […]
She and Her CatPosted on February 1, 2014 | No CommentsMakoto Shinkai's first short is a brief, elegiac piece about the way a happy young cat views his apparently troubled master. There are three versions of the short – one […]
The Voices Of A Distant StarPosted on February 4, 2013 | No CommentsMakoto Shinkai's work has been compared to Miyazaki's – a very strange comparison that I can't see having any real basis in Makoto's films. Both men have individual directing voices, […]
Haibane RenmeiPosted on September 30, 2005 | No CommentsYoshitoshi Abe's 'sad,' immaculate style is the key to everything in Haibane Renmei – the character designs, as in Serial Experiments: Lain, are made for melancholy and modernist ennui. They're […]
His And Her CircumstancesPosted on July 31, 2005 | No CommentsRarely are hopes raised so high, then dashed so low. Rarely is something of such whimsy and flair dragged down so far into banality, boredom, and just plain bad presentation. […]
TexhnolyzePosted on May 29, 2005 | No CommentsWorse than a bad story is a good one made bad. Worse still is one screwed up by pretension. That's Texhnolyze in a nutshell – a story with great potential […]
FLCLPosted on April 30, 2005 | No CommentsDilution is the inevitable result of longevity and success. Once enough has been released for an anime show, identity becomes dissolute. What does Sunrise do? Gundam used to be the […]
A.D. PolicePosted on November 16, 2004 | No CommentsWorking backwards here – I first became acquainted with the Bubblegum Crisis world via the remake, Bubblegum Crisis Tokyo 2040 – a fine if not superlative bit of sci-fi fluff […]
Azumanga DaiohPosted on September 26, 2004 | No CommentsThe third episode of Azumanga Daioh that has one of the funniest pieces of animation I have even seen. Ayumu Kasuga, dubbed 'Osaka' against her will by her classmates 'cause […]
Kino's JourneyPosted on August 9, 2004 | No CommentsEvery now and then, something strange and great comes out of Japan's collective cartoon hole. Not to repeat my whine from the Master Keaton review, but the tendency towards derivation […]


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By Emilio Macasaet III
"We have finally launched our product in the food supplement category. We think we have the right brand name, packaging, and the whole nine yards in brand marketing. We would like to find out the best distribution channels where to sell our products without giving away our margins. We have done a series of agonising discussions with our sales team on the subject. I have read some of your articles here on marketing channels. On hindsight, should have shared them with our sales managers. This time, can you share with us some principles or watch-outs to guide us in this journey?" - Mylene, VP Marketing.
Did you take your vitamins today?Where did you buy them? Why did you prefer to buy your vitamins from that channel? What benefits in buying there did you enjoy? Is the store nearer your place? Is it faster to purchase there? Is customer service better? Are there valuable information available to help you make a better purchase decision? And why didn't you buy from another channel? You may want to answer these questions before you read on.
How do you go to market?When answering this daunting question, a typical sales manager's default is to immediately think of direct and indirect channels. In many industries like packaged consumer goods, it's a common dichotomy of modern trade and general trade segments. I argue that when one begins the discussion from this lens, you will consequently find disjointed and fractured channel strategies in the making.
Product differentiation is not enough!In today's competitive landscape, it is not enough to leverage on your product's point of difference alone. Product differentiation can be easily copied, enhanced and surpassed as innovations continue to shake and create great crevices where most fall quite early. Today, building a route to market is not only a potent source of competitive advantage; it is an essential source of survival to many.
So, how do I go to market?Marketing channel strategy deals with a choice, or series of choices, of channel partners, pricing strategies, promotions, intermediaries directed towards making your most dangerous competitors obsolete. But before you design your channel choices, begin with understanding how your target consumers would want to buy your product.
The HOW of buying.Product differentiation deals with WHAT the customers want to buy. Your go to market deals with HOW your target customers or consumers would want to buy. This is where you should begin when crafting your go to market strategy. How would my target consumers want to buy my product? What benefits do they seek from a distribution channel? A major source of value creation is making it easier for customers to find, purchase and return your products (Dr. Anne Coughlan and Dr. Sandy Jap. 2016. A Field Guide to Channel Strategy: Building Routes to Market).
Now go back to your answers to the following: Did you take your vitamins today? Where did you buy them? Why did you prefer to buy your vitamins from that channel? What benefits in buying there did you enjoy? Is the store nearer your place? Is it faster to purchase there? Is customer service better? Are there valuable information available to help you make a better purchase decision? And why didn't you buy from another channel?
So you're in a food supplement business. I was told that a typical person takes an average of four kinds of food supplements per day. I counted mine, it's six. I wish there's one product that has all the needed vitamins and minerals I can conveniently take every morning. I buy from different sources: two direct selling companies, and one from Healthy Options. For our illustration, I'll share with you the benefits I perceive to get from these channels. In direct selling companies, I prefer to buy certain types of vitamins because of the following benefits in buying them: Home delivery is on time, information provision from their website, and customer service. They send me text messages as reminders when I should purchase next or if they need to let me know about their upcoming promotions. I prefer to buy my other vitamins from Healthy Options due to its proximity to my home, convenience in shopping (no or shorter queuing), amiable sales staff who provide me with expert information and customer service. They also give me free monthly magazine where I learn a few things about healthy living.
As a channel marketer, understand those types of benefits in buying that your target consumers look for. Include them in your consumer behaviour research. Then compare how other channels would perform in serving those benefits. The channel(s) with the highest score in providing those benefits should be your priority channels.
Remember, a very powerful marketing strategy is one that combines a strong product and channel service differentiation.
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Emilio Macasaet III is a Partner and the Chief Distribution Strategist of Mansmith and Fielders, Inc., the only advocacy-based training and consultancy firm focused on marketing, sales, strategy and innovation. For inquiries, email email@example.com call (02) 584-5858.


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Simpson growls and warbles along in this resoundingly 'vast' sounding number which trundles along pretty nicely really. It's a wannabe post-hardcore, affair that struggles to be anything but straight up rock. There aren't too many dynamics to challenge the listener, there's a lovely chugga section, albeit mighty brief and obviously there's Charlie singing mighty gruffly over the top of some anguished howls in the background. You can't really complain. Obviously you've heard it done in a million other songs. Obviously you've heard it done better in a hundred thousand other songs. But it's still ok. Isn't it.
5Raziq Rauf's Score


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ATR received approval from London City Airport to operate the ATR 72-500 there following successful completion of steep-approach trials and noise tests. The aircraft joined the 42-300 and 42-500 in operation at LCY on Aer Arann flights to/from Isle of Man.
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Newborn - Maternity - Family I am a mobile photographer based in Crawley, West Sussex who does photo shoot's in the comfort of your own home or at a outdoor location of your choice. My passion is photography I thrive on producing the best possible photo's for my clients and making them feel at ease, comfortable and most important to just enjoy the experience. Member or BANPAS ( baby and newborn photography association)
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Nov 12, 2016 – Confusion As MTV EMA Revokes Nigerian Artist Wizkid's Award, Gives It To Tanzanian Singer Alikiba
Nigerians were shocked to the bone when it was announced that star singer Ayo Balogun was "incorrectly" awarded the Best African Act award at the recently concluded MTV European Music Awards held in Rotterdam, Netherlands, on November 6, 2016.
The award which was initially given to Wizkid was said to have been taken from him and given to his Tanzanian counterpart, Alikiba.
It was reported that the MTV EMA posted a statement on its website which named Alikiba, as the rightful recipient of the award.
Here is what Wizkid's manager Sunday Are said about the development:
"They had announced him as the winner and if he was at the award ceremony and the award had been given to him in person, would they come back to say that the award isn't for him anymore? I think there is something fishy going on about this development. If Wizkid was present to receive the award, would they have said on stage that it was an error? I really think there is something suspicious going on. The MTV EMA is not a small award, it is a very prestigious one and they cannot afford to make such a mistake because it is too costly. Personally, I think there is more to this and something suspicious is going on," .
See Alikiba's response to Wizkid's award withdrawal below


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Rent at least two days of children's equipment from Four Mountain Sports, and receive a complimentary lift ticket for the same amount of days. Click here for Kids Ski Free in Snowmass!
Stay at any of the following lodging properties:
Valid for kids 7 to 12 years of age. Must book 7 days prior to arrival. Kids 6 and under ski free.