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WASHINGTON (2/11/15)--CUNA is urging federal lawmakers to attach their support--and names--to a bill intended to "restore a full and open competitive market" by clarifying the definition of mortgage fees and points.
CUNA, with eight other financial, real estate and builder trade groups, is encouraging members of the U.S. House of Representatives to sign on as co-sponsors for The Mortgage Choice Act (H.R. 685).
The bill, identical to a version introduced and passed by the House in the 113th Congress, was reintroduced Feb. 3 by Rep. Bill Huizenga (R-Mich.). It already has bipartisan support of eight co-signers.
The Mortgage Choice Act addresses concerns CUNA raised with the Financial Services Committee during its June 2013 testimony examining how the Dodd-Frank Act hampers home ownership.
Specifically, it would remove confusion that exists about what constitutes a "fee" or a "point" that applies towards a statutory points and fees cap. The definition currently varies greatly depending upon who is making the loan and what arrangements are made by consumers to obtain title insurance, among other things.
By eliminating confusion, H.R. 685, CUNA and the coalition wrote in a letter to House lawmakers Tuesday, will ensure consumers have greater access to mortgage credit and also more choices in credit providers.
Mortgage Refinancing—You Could Save a Bundle drive-up envelope
10 Questions to Ask a Mortgage Lender statement stuffer
Home Buyer Education 1—Preparing Your Finances member seminar kit


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The right foods and supplements will nourish the right gut bacteria so necessary for overall health and longevity. Learn why gut health is the key to your vitality, and why antibiotic drugs kills it all.Continue reading
If you have high cholesterol, you must know your VLDL cholesterol number! It's the only part of total cholesterol that is going to determine your chances of dying from heart disease, the worst chronic health disease and the number one killer. Here's what it is, how to test for and reduce it.Continue reading
A neurosurgeon peddling 4 recommended drugs? At 40-something years old, Dr. Brett Osborn takes drugs and is in awesome shape. Now mind you, these are not steroids or human growth hormone, but four safe and highly recommended pharmaceuticals that might let us be healthier and age better.Continue reading
It's been my experience, and now the science affirms, that no one thing does as much to improve the quality and robustness of life as certain anti-aging exercise routines that you can bstart right now. Here's why you should bother…Continue reading
Prevent colon cancer, as well as the inflammatory diseases and discomforts that lead up to it, by taking two powerful botanical supplements made from curcumin and boswellia.Continue reading
When thousands of cure-all pills compete for your patronage, do you know how to choose the right vitamin supplements for yourself? Well, here's how I did it, and you can too.Continue reading
New research suggests a powerful interplay between your gut microbiota and inflammation, which can dramatically increase the risk factors contributing to metabolic syndrome, such as obesity, cholesterol and triglycerides. The good news — there's a simple solution.Continue reading
DO YOU have any idea what happens within minutes of eating a McDonald's breakfast of an egg sandwich with cheese and ham, a sausage muffin sandwich, and two hash brown patties?Continue reading
You can't fix something if you don't know what's wrong. The right blood test measures a bucket full of information about your health. Check out the infographic by WellnessFX, and get the dope on cholesterol, inflammation, thyroid function and vitamin D.Continue reading
Everyone's concerned about belly fat and metabolism. We know that a higher metabolism would result in less belly fat. Here's how to pump up your metabolism and trim the belly fat: Eat protein; not wheat.Continue reading
Since in America, 2/3rds of us are overweight, this information about the greatest danger caused by being fat is both urgent and important for us to know and contemplate. Learn what excess fat can do and how to minimize the risks.Continue reading
Have you heard of "diabesity"? Well, your doctor hasn't either, and yet you have a 50% chance of having it. Here's what it is, 7 warning signs, and a discussion of how nuts can help.Continue reading
Get relief from Tennis and Golfer's Elbow. Watch the techniques designed by Dr. Ben Kim at work.Continue reading
When heartburn, indigestion, bloating and inflammation come knocking, try some of these eight solutions, which include milk thistle, green tea, calcium, magnesium, digestive enzymes and protein.Continue reading
Reduce Your Inflammation and Improve Your Life (Informative illustration below.) It's not widely understood that inflammation is the culprit behind a lot of physical misery, from joint pain to headaches. The much praised Cleveland Clinic has an excellent primer on inflammation. The Life Extension Foundation also has an eye-opening article, that among other insights, speaks […]Continue reading

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Motorised Banners
Scrolling display systems are powered in order to enable your artwork to change at pre-set intervals.
If you have an older banner stand that requires a new graphic, we can supply and fit a new graphic to any system that you may already have - even if you do not see the system you already have here!
We are able to provide these units with or without the graphics the choice is yours.
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Psychological Counselling
Seeing a Psychologist can help with understanding and relieving the stresses of having a heart condition but also help with making a positive lifestyle change.
Living with a heart condition can sometimes be worrying and distressing.
Everyone's experience is a very personal one, and we all cope in different ways. However, sometimes individuals can feel overwhelmed and can benefit from professional help to cope and develop strategies to deal with these stresses.
Psychologists are trained on how people behave, think and feel and how this interacts with their body's functioning.
To make an appointment you may contact Lucy directly on 027 318 6960 or email at firstname.lastname@example.com
Further information can be found at www.aucklandpsychology.co.nz


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27 April 2018
The second active practice update for April looks at the rules and the law surrounding phoenix companies. It covers the different tax rates applicable when a company is liquidated and explains what the law says in relation to capital gains tax and income tax. To view the article in full please click here.Read more
Huge congratulations to Joanna MacDonald (nee Ramsdale) and her husband Andy on their recent marriage. Joanna & Andy celebrated their wedding with family, friends and work colleagues at the Wild Boar Hotel near Windermere on what turned out to be a beautiful day. We are sure all our clients and contacts will share our sentiments […]Read more
18 April 2018
The first active practice update for April looks at what to expect when incorporating your business. The update provides helpful information on how to set up a limited company, how to register the company at Companies House and also provides information regarding corporation tax. To view the article in full please click here.Read more
13 April 2018
This month's insider newsletter looks at recommendations by the IPPR to improve the British tax system which they believe would improve work incentives and reduce tax avoidance; how in the past year the number of people planning to become their own boss has almost doubled; why small firms are under prepared for the new data […]Read more


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Warehousing & Distribution
As the world becomes a smaller place as a result of advancements in communication and transportation technology, expectations become greater and more challenging to get your message to the right place at the right time. We are highly experienced in managing complex logistics to streamline even the most challenging distribution requirements.
Your printed materials are stored in a climate controlled warehouse and shipped on demand within 24 hours of receipt of order. Most orders are actually processed and shipped on the day they are received, satisfying the needs of even the most anxious of your accounts.
You save on both warehousing costs and labor as we pick the pieces of your order from inventory, pack, and ship them, all in a highly efficient process that keeps your message moving. No matter how complex, we'll strategize the best possible solutions for accurate, timely and cost-effective distribution to serve your every need.
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Judo in Iceland
Since the first Judo practises began in 1956, Icelandic Judo players have been developing their skills and getting stronger - year by year. Iceland competed at the Olympics games for the first time in 1976. In 1984, Bjarni Friðriksson (6th dan) won a bronze medal - only the second Icelandic person to ever win a medal at the Olympics.
The first Judo club was founded in 1957 and called Judodeild Ármanns. Ten years later, the second judo club was founded called Judofélag Reykjavíkur. These two clubs influenced the spirit and growth of Judo for the first few years. However, as the years went on - Judo clubs started in different locations in Iceland and today there are 3 large clubs in Iceland, Judodeild Ármanns (Reykjavík) - Judofélag Reykjavíkur (Reykjavík) and Judodeild KA (Akureyri).
The Icelandic Judo Federation (I.J.F.) was founded on 28th January 1973, and at that time 7 clubs were active in Iceland. The first president of the Icelandic Judo Federation was Eysteinn Þorvaldsson and with him in the federation there where Jón Ö. Þormóðsson, Óttar Halldórsson, Sigurður H. Jóhannsson and Þórhallur Stígsson.
The first Icelandic Judo Championship was held in 1970, 3 years before the formation of the I.J.F. by the Icelandic clubs and the Icelandic Sports Council. At the 1970 Championship, 24 players competed; 12 from Judofélag Reykjavíkur, 11 from Judodeild Ármanns and 1 player from Vestmannaeyjar. At that tournament, Judofélag Reykjavíkur was in first and second place and Judodeild Ármanns took third place. Svavar Carlsen took first place and got the title Judo Champion of Iceland and held this title for many years! Svavar was unbeatable and competed for Iceland on the national team.
Today there are ten judo clubs in Iceland, but each has a different level of activity. The clubs are located in Reykjavík, Akureyri, Selfoss, Grindavík, Vogar, Hella, Egilsstöðum, Ólafsvík and Sauðárkrókur. All together there are about 1000 people that are in judo in Iceland, but of that number - there are only about 200~250 people that compete in the Judo tournaments here in Iceland.
There are always about 15~20 international competitors and in the winter of 1999 - 2000, we had 5 Judo players in the top 20 on the Olympic list of best players in Europe.


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Here at Mackenzie Smith, we work hard to help you find your next home or investment.
Across our branch network we have a selection of new build developments, with more to come throughout the year so it's important to register your requirements with us. Within these new developments we have a selection that have a number of incentives applied, in particular, Help to Buy. Please see below of the current selection.
Pembroke Manor, Hook | Taylor Wimpey
This contemporary collection of 1, 2 and 3 bedroom apartments is based in the centre of Hook, finished to a great specification, within a short walk of Hook's mainline train station which reaches London in under the hour. The property is also located just off the M3, offering good access to the wider road network. The development is proving popular with a range of buyers; from first time buyers, downsizers to investment buyers, with such a great location and excellent incentives it's easy to see why. Along with Help to Buy, Taylor Wimpey also offer stamp duty paid and options vouchers up to £2,500, along with discounts on early reservations on applicable apartments. For full details, please contact the Hook branch on 01256 764666 or e-mail firstname.lastname@example.com.
Corunna, Aldershot | Bellway Homes
Corunna, Wellesley is a brand new development of 1 – 5 bedroom homes, with a variety of apartments, townhouses, semi-detached and detached properties forming the next phase of the Wellesley community. These new homes in Aldershot have a convenient location on the outskirts of the town centre, which will provide a wealth of amenities and leisure facilities as well a sound selection of well-regarded schools. In town there is an assortment of high-street stores, independent retailers, well-frequented eateries and plenty of indoor and outdoor leisure pursuits. Corunna is ideally situated for transport links to local destinations such as Farnham, Farnborough, Woking, Guildford and London. Along with Help to Buy on all applicable properties, there are a range of services on offer, such as part exchange. For full details, please contact the Ash Vale branch on 01252 353030 or e-mail firstname.lastname@example.com.
Rochford House, Queensgate, Farnborough | Inland Homes
We currently have an apartment on the new development of Queensgate, Farnborough, available with some fantastic incentives; a summer saving of £10,000 and Help to Buy available on this two double bedroom apartment on the third floor. Due for completion in June, with westerly views over Farnborough airfield, an en suite and bathroom, balcony, a built-in wardrobe and two parking spaces. For full details, please contact the Farnborough branch on 01252 375999 or e-mail firstname.lastname@example.com.
Oak View, Fleet | Taylor Wimpey
Oak view offers a selection of 2, 3 and 4 bedroom homes and apartments, with buyer incentives providing the perfect opportunity to take the first or next step on the property ladder, help you to find your next investment property, or simply find space for a growing family. Situated just 1.5 miles from Fleet, with good access to the M3 and wider road network, but also near the Elvetham Heath nature reserve, at Oak View you can enjoy both countryside and the town, offering good transport links, shopping, restaurants and high calibre schools. With over 85% of the development already sold, we'd advise you to act quickly to snap up your home at Oak View. For full details, please contact the Fleet branch on 01252 812121 or e-mail firstname.lastname@example.com.
Providence House, Hook
These contemporary Studio, 1 & 2 bedroom apartments bring style and convenient modern living to Hook. They are just a short 7 minute walk to Hook Station with services reaching London Waterloo in just 58 minutes and display quality finishes to delight and inspire. With over 80% now sold, there are few apartments remaining so we'd advise getting in touch sooner rather than later. For full details, please contact the Hook branch on 01256 764666 or e-mail firstname.lastname@example.com.
In addition to these properties, we have a wide variety of homes, both new and second hand, currently on the market, to search simply visit our website or call our branches directly to inform us of your requirements. To be the first to know of any suitable new builds, it would also be worth registering your details with us for information on all upcoming developments.
Ash Vale – firstname.lastname@example.com – 01252 353030
Yateley – firstname.lastname@example.com – 01252 579700
Farnborough – firstname.lastname@example.com – 01252 375999
Fleet – email@example.com – 01252 812121
Hook – firstname.lastname@example.com – 01256 764666
Hartley Wintney – firstname.lastname@example.com – 01252 844015
Lettings – email@example.com – 01252 514000


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Members of law enforcement have long referred to themselves as the 'police family.' They equate the love, concern and protectiveness that bonds all those who wear the badge to the love, concern and protectiveness that bonds members of biological families. The police family, like many biological families, maintains its privacy by abiding by the absolute rule that "What happens in the family stays in the family." The loyalty, solidarity, and privacy of the family must be impenetrable. This loyalty and solidarity protects the family from outsiders. It also leaves family members extremely vulnerable to one another. The mandate to keep what happens in the family private forbids members to reach out for anything, especially for protection against one's own.
The "blue wall of silence" has prevented, and continues to prevent, any honest examination of police-perpetrated domestic violence. The "powers-that-be" don't want the public to see how the institutional police family responds to domestic violence among their own — whether an officer is the perpetrator or the victim. They don't want the public to see the ways in which the attitudes of the police, fortified by police power, undermine society's efforts to hold batterers accountable in the criminal justice system. Police-perpetrated domestic violence, like domestic violence in the general population, is entrenched in its culture with deep historical roots. Police agencies have to identify and examine the deeply ingrained beliefs, values and attitudes that have condoned and perpetuated violence against women for centuries. Acknowledging the problem, writing policy, and training officers are all steps in the right direction; yet they do not substitute for a true understanding of the issue and will not bring about substantive change.
Though male and female recruits go through the same training and indoctrination into police culture, the impact is quite different. Men and women come into the training and culture with different backgrounds and socialization. It is easy for men to fit into the culture because they are already socialized in the male-dominated and male-oriented hierarchy of power. Male officers trust each other to abide by the code of silence, but many fear that women will not. Many minority and female officers testify that they have to work twice as hard, receive extra training, and constantly prove themselves, yet superiors still overlook them for promotion because of the brass ceiling. Women and minorities find themselves in aggressive competition with each other because they are vying for a single token opportunity. Rather than being able to bond and support each other, they are alienated from one another. Promotion, once achieved, also sets an individual apart.
In order to remain in the profession, women have had to tolerate a hostile work environment of both overt and subtle harassment and discrimination. Some agencies have learned through costly discrimination lawsuits that they cannot afford be overtly discriminatory, so they employ covert and subtle ways to perpetuate the male hierarchy. Supervisors may covertly give men the message that they can do and say whatever they want against women as long as they don't get caught. Some supervisors and instructors get away with insults and slurs by saying they are part of training and that they are trying to "toughen up" the officers and prepare them for what they will experience on the street. Some officers admit that when women aren't around they use derogatory language, talking about women as pieces of ass, tits, and cunts. They ridicule and tell stories about female officers to damage their reputations and/or undermine their authority. When a female officer confronts them, she's accused of being too sensitive, exaggerating, or being out to get them. She learns to overlook, minimize, deny and joke about what is actually offensive and demoralizing. When female officers dare to talk about the harassment and/or violence that they experience, they're labeled as radical troublemakers, feminists or lesbians. It is impossible to separate issues of gender from issues of race, class, and sexual orientation. The female officer has to constantly navigate her way through contradictory expectations and choose her best survival technique.
Many female officers say that they initially had reservations about getting romantically and sexually involved with a male officer because of things they heard about them. Male officers know this, and are well-versed in ways to overcome a woman's resistance. Typically, an officer will assure her that he "isn't like the other guys" — a statement that admits that what she's heard about most male officers is true. He tells her that, in contrast to the others, he is sensitive, trustworthy and he doesn't sleep around. He says he isn't threatened by her being a cop; rather he admires her independence and assertiveness. The male officer who is trying to overcome a female officer's resistance will explain to her that his ex-wives were abusive and were to blame for his failed marriages and failed relationships. He convinces her that she is perfect for him. She has what all the others were missing. She feels sorry about his past experiences with women who have hurt him, and she becomes determined to make it all up to him. He may say that he likes that she's on the job, and she isn't "like other women cops" he knows. She's happy to hear that she doesn't fit any of the negative stereotypes of women cops, especially if she is new in the department. She may be grateful that he recognizes her for what she is — she is exceptional. She is proud of being able to balance her life as both an officer and a woman. He assures her that he sees her as feminine and sexy even though — and maybe because — she wears the uniform and badge. At this point, her higher rank — or her ambitions to further her career — are a turn-on and a challenge, not a threat. Conquering a female cop who is strong, confident, and ambitious requires far more skill than conquering a mere civilian woman, an enticing challenge for a male officer
It may be difficult for a female officer to identify abusive and controlling behaviors in intimate relationships because women cops become desensitized to many of the similar (normal) behaviors of male cops on the job. This conditioning on the job is likely to result in an increased tolerance of the demeaning, insulting and humiliating behavior of an abusive intimate partner. Though female officers wield the authority of the badge on the street, they are expected to submit to male authority in the department and in the home.
When she begins to see signs of controlling and intimidating behavior, she maintains faith that underneath his tough macho shield is a tender man and heart that she can reach if she just gives him enough love and affection. She excuses his occasional outbursts of anger. She knows that he is trained to control others through intimidation, aggression and violence, but she is also an officer who has received the same training. She knows she'd never use her training against him and she feels certain that he'd never use his training or tactics to hurt or control her.
If her supervisor or fellow officers suspect that she is being abused, it might open the door to the department scrutinizing their private life, discovering that he is abusing her and that she has been hiding it. It may raise questions about her fitness-for-duty. The pressure to perform both on the job and at home takes its toll on her. Her abuser tells her that she is disappointing him and she knows she is disappointing her fellow officers, supervisors and herself. But, if she quits her job, she'll lose everything she's worked for. She blames herself and keeps trying harder. She doesn't see that he and the job set her up in a no-win situation. Instead of recognizing that he and the job have ensured that she cannot meet their impossible standards, she feels inadequate that she cannot make the grade in her relationship or in her career.
As time goes on and the abuse continues, the victim realizes that she is in a significantly different, more dangerous and more vulnerable situation than if she were a civilian. Though she knows that statistically the most dangerous place for a woman is in her own home, she never dreamed that she, as a police officer, would ever be in that vulnerable position. She may have bargained for putting her life on the line as a police officer, but she didn't bargain for putting her life on the line when she married one. Contrary to the male officer who enjoys his home as a haven from the job and the streets, her home is not a haven. She feels safer on duty than she does in her own house. She knows that she is expected to fight back on the street, but she is forbidden to defend herself in her home. She realizes that of all victims of domestic violence, she may be the most at risk and the least likely to receive police protection.
She simply cannot afford to identify herself or have others identify her as a "battered woman." She fears that others will question how, if she can't even protect herself, she can protect others. She may want help, but she remains silent because she fears that the consequences of reporting will be worse than the consequences of living with the abuse. She feels alone and doubts that anyone will understand, much less be willing and able to help.
Female officers have firsthand knowledge about how many officers — male and female — feel about domestic violence, what they say about the victims, how they joke about the calls. She also knows that the "Brotherhood" may protect a female officer "as if she were a sister" when her abuser is a civilian, but not when he is a member of the police family. When he is family, they will probably see things his way, protect him and invoke the code of silence to cover for him. She fears they will see her as the traitor, the one who ratted out an officer.
When a woman reports that a male police officer assaulted or battered her, the network of power functions very efficiently. Making a complaint against a police officer is a dangerous act, especially when the complainant is herself an officer. She puts herself at risk of retaliation from her abuser, from other officers and from the department. The female officer knows that being a member of the police family might protect her if her abuser was a civilian, but the family won't protect her against a male "family" member. The abuser calls upon his network of relationships for support and defense against the allegations. Police-perpetrated domestic violence, like other types of police brutality, could not occur without implicit or explicit approval of other officers, supervisors, and, ultimately the chief.
hough it may be true that the majority of officers do not commit violence against women, there are those who do. Rather than confronting the abuser, other officers wittingly or unwittingly collude with him in countless ways. A direct supervisor who doesn't want to know the details of a specific incident from the reporting female officer can blatantly or subtly communicate that she'd better stop bringing her personal problems to work, and warn her not to become an embarrassment to the department. The supervisor can communicate to the male officer that he'd better "take care of things at home." The woman gets the message that she should keep her private life private. The male gets the message that he needs to get back in control at home. The message to both is that they had better handle it themselves or the department will intervene.
Department policy may mandate officers to report knowledge of officer misconduct. If the policy does not exempt victims of domestic violence from the mandate, the victim has to choose between jeopardizing her safety and her intimate relationship by reporting, breaking the code of silence by ratting on a cop, or violating department policy by not reporting. If she violates policy by not reporting, she is vulnerable to discipline later if the abuse comes to the attention of the department. She could be punished even though she may not have identified the behavior as "abuse" or had not yet broken through her own denial.
Many female officers who have reported say that if they had to do it over again, they would avoid reporting despite all costs to their personal well-being and safety. They say it was not worth the emotional trauma and embarrassment. They testify that fellow officers and supervisors punished them by ostracizing and shunning. They were harassed, radio calls interfered with, assignments were changed, they were transferred, backup failed to be provided. Such retaliation takes a tremendous emotional toll and may break a victim's spirit and determination to stand by her complaint. Some victims recant, others choose to leave the profession rather than endure the hostility and harassment. No matter what the outcome of her complaint, having made the complaint does extensive damage to her career, reputation, and her relationships within the department.
Sadly, many female officers don't seek assistance from domestic violence advocates because they don't trust them. They fear that the advocates' allegiance to or fear of the police officers they work with will prove to be stronger than their ability or willingness to assist her. They are aware that the advocates know the abuser; all too often he is on the domestic violence response unit. He may be the one the advocates and victims see as the "knight in shining armor," the sensitive cop who gets it. He appears to have respect for the women cops he works with, for the advocates and for victims. They feel comfortable with him, confide in him and trust him to protect them from violent men — and from the less sensitive cops in the department. The female officer whose abuser is the favorite of the advocate community is not likely to look to the advocates for help.
Warning signs of intimate partner abuse are difficult, if not impossible, to identify in a hypermasculine culture where "normal" behavior is very similar or identical to the behavior of a batterer. If the particular department's culture allows or encourages aggressive, intimidating, misogynistic behavior, abusive behavior will simply blend in. Men complain that the definition of domestic violence and abusive behavior is so broad that it covers just about all male behavior. The fact that abusive behavior doesn't stand out as abusive should be a warning sign in itself. Men reassure women they're not like other men, male officers reassure women that they're not like other cops, they're safe to be with, they won't harm her. What is wrong with this picture?
What is wrong is that "normal" is indistinguishable from abusive behavior. Lip service isn't enough. Going through the motions isn't enough. Attitudes and beliefs seep through. The goal is not just to make it appear that police officers get it. The goal is to make them actually get it.
Law enforcement is the only institution that has the authority to use force to control others. Since they are the last bastion of male power and authority, the public should be paying attention to the way that police departments treat female officers both on the job and in their intimate relationships. The way the police culture treats female officers gives us tremendous insight into how it views all women and all "others." It tells us everything about the dynamics of social justice and the preservation of male power.
We see the results of male violence. Police violence against women isn't contained in the police agencies or in their homes. It spills over on all of us. Police-perpetrated domestic violence is perhaps the most insidious form of police brutality. Citizens foot the bill. We pay for the selection, hiring and training of police officers. We pay for their equipment, their salaries, their benefits and their retirement. We pay for the defense of lawsuits and we pay the settlement costs of the lawsuits — millions of dollars a year in many cities. The costs in terms of social justice are incalculable.
It isn't just the good police officers who stand by and do nothing. We all collude when, as good citizens, we stand by and do nothing. Whose responsibility is it to change the culture? The presence of female cops influences the police culture, but they cannot change it without a tremendous shift in society's attitudes towards women and others. We need to wake up and break through our denial because society cannot afford to lose the women who work in the criminal justice system.
Female officers are leaving the profession because of men's attitude towards them, the network of power from which they are excluded, and because they are victims of assault and battery perpetrated by male officers — even in their own homes. We will not stop violence against women as long as we refuse to challenge men's sense of entitlement to do as they please in their own homes. We find ourselves in a vicious circle that starts and ends with law enforcement. We have to cross the thresholds of their homes.
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LANCASTER, N.Y. (August 27, 2016) – Lancaster National Speedway's stock car program hosted its penultimate event of the regular season on Saturday night. The points races are heating up with just one more race for the weekly home track classes before the U.S. Open.
Jake Lyon of Elma, N.Y. came one step closer to the Sunoco Sportsman track championship with his third win of the season on Saturday night. The victory extended his points lead over Tommy Catalano, who finished third.
Bobby Lippa, Jr. and Jayme Thompson led the field of 23 Sunoco Sportsman to the opening green flag. The start of the race was bogged down by four cautions periods within the first four laps. Eventually the race resumed on lap 5 with Mark Pennell moving into the lead past Lippa.
Lyon worked his way to the front of the field from the tenth starting position. By lap 8 he was running second, and he hooked up with Pennell to pull away from the field. On lap 13, Lyon dove to the inside of Pennell going into the turn three and took the lead by the time the pair got back to the start/finish line.
The race slowed again on lap 15 when Tony Carbone got loose on the front straightaway and hit the outside wall. Carbone was on pace to post a career best finish as he was running inside the top five before the accident. He walked away uninjured, but his car was done for the night.
Tommy Catalano started the evening 26 points behind Lyon in the standings. After a less than stellar run in his heat race, Catalano swapped cars with his mom, Amy, for the feature. That move forced both Catalanos to start at the rear of the field for the main event.
Catalano made his way all the way up to third place in the Power Construction #64. By the time he landed in the top three, however, Lyon was ahead by nearly a straightaway.
Lyon cruised the final 20 laps to score the feature win for his third trip to victory lane in 2016. He goes into the regular season finale with a 44-point lead over Catalano. Pennell finished second between the two championship contenders. Shawn Nye and Neal Dietz, Jr. rounded out the top five.
Keith Flanigan of Hamburg, N.Y. picked up his second win of the season in the Advance Auto Parts Street Stocks. Flanigan led all 25 laps from the outside pole position to score the win. Mark Hoch finished second with Tommy Wentland, Brian Hoffman and Dave Wilson completing the top five.
Wilson unofficially clinched the 2016 Street Stock track championship with his fifth place run. Flanigan padded his slim lead in the race to finish second in the standings. He began the night with a one-point advantage over Jerome Hruby.
Bobby Woch scored his third win of the season in the Roaming Buffalo 4-Cylinders. Woch passed teammate Dan Dressel for the lead on lap 11 and never looked back. Kevin Bainbride failed to reel in Woch in the closing laps and finished second. Dressel, Chris Pennell and Jason Anasiewicz finished in the top five.
Bainbridge clinched the 2016 track championship before the race even started. His seven feature wins helped him build an insurmountable lead in the standings. Dressel and Pennell are battling for second in points.
The Race of Champions Big 10 Super Stocks made their third visit of the year to Lancaster. Former Street Stock champion, TJ Cochrane, led all 25 laps of the feature to earn his first Super Stock checkered flag. Joe Mancuso rallied from being involved in early race incident to finish second and had a shot to win in the final laps. Timmy Catalano, Eric Hadley and Dana Nova completed the top five.
A total of 81 cars were on hand for Saturday's racing program with 23 Sportsman, 23 Street Stocks, 18 4-Cylinders and 17 Super Stocks. That was the highest combined car count of the season for Lancaster's three weekly home track divisions. Lancaster hosted the same four divisions on April 30 with a total of 64 cars pitside.
Lancaster National Speedway will take off for the Labor Day weekend next week before closing out the regular season on Saturday, September 10. It will be the final points races for the Sunoco Sportsman, Advance Auto Parts Street Stocks and Roaming Buffalo 4-Cylinders. The NYPA TQ Midgets will also be in action for a final tune up before the U.S. Open.
The 28th annual U.S. Open is coming up the weekend of September 23-25. A full schedule of events and driver registration forms are now available at TheLancasterUSOpen.com.
Heat Winners: Mark Pennell, Neal Dietz, Jr., Jake Lyon
Feature: JAKE LYON, Mark Pennell, Tommy Catalano, Shawn Nye, Neal Dietz, Jr., Bobby Lippa, Jr., Kevin Lewis, Owen Bednasz, Danny Knoll, Jr., Mike Ramos, Russell Gian, Tim Nies, Sherri Hogan, Jayme Thompson, Matt Druar, Dick Kluth, Moose Rutherford, Scott Wylie, Tony Carbone, John Barber, Amy Catalano, Ed Schueler, Ed Cain
Heat Winners: Rob Pocobello, Lou Carbone, Mark Hoch
Feature: KEITH FLANIGAN, Mark Hoch, Tommy Wentland, Brian Hoffman, Dave Wilson, Dennis Londos, Trevor Pettit, Rob Pocobello, John Carlson, Andy Cryan, Jerome Hruby, Jarrod Brown, Ken Maltby, Nate Straus, Ed Culliton, Garrett Cleversley, Gary Bartella, Mike Dalfonso, Jr., Rick Meyers, Rick Ortwein, Lou Carbone, Jeff Whalen, Terry Weldy
Heat Winners: Chris Pennell, Jason Anasiewicz
Feature: BOBBY WOCH, Kevin Bainbridge, Dan Dressel, Chris Pennell, Jason Anasiewicz, Joe Brunka, Frank Prell, Jamie Woods, Tim Durfy, Jim Dauer, Mark Scarpace, Zach Cleversley, Laurie Krol, Russ Hartke, Chris Bugenhagen, Howard Guthrie, Anthony Guthrie, Dave Milbrand, Jr.
Heat Winners: Jake Wylie, Eric Hadley
Feature: TJ COCHRANE, Joe Mancuso, Timmy Catalano, Eric Hadley, Dana Nova, Vern Headdrick, Joel Gleason, Chuck Tripp, Jake Wylie, Zach Willis, Jeff Whalen, Josh Hunter DNS: Sam Fullone, Ryan Lagoda, Ron Richter DQ: Bobby Schosek, Robert Fink


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INDIANAPOLIS, Ind. – The Calvin men's swimming & diving team scored in three events on Friday at the NCAA Division III Men's Swimming & Diving Championships. The Knights are in 20th place after three days with 32 points.
"I am proud of this team for continuing to step into the ring each day," said head coach Dan Gelderloos. "We are accumulating more scoring swims than last year and we are close to having everyone score. I know we will get up tomorrow morning and sprint to the finish."
Junior Ben Holstege (Keswick, Va./Covenant) earned All-American honors in the 100-yard backstroke on Friday. He finished the finals with a time of 48.66 in fifth place.
Junior Skyler Fish (Ionia, Mich./Ionia) finished in 21st place in the 100-yard backstroke at 50.04.
Senior Michael Moentmann (Solon, Ohio/Solon) scored at the NCAA Championships for the first time in his career on Friday. Moentmann finished 15th in the 1-meter event with 422.75 points.
"I can not say enough about Michael," said head diving coach Aaron Paskvan. "He's been a joy to work with for four years. Today, his performances were rock solid in a very tight competition and we are very proud of him."
In the 800-yard freestyle relay, the team of freshman Julian Iturbe (Caracas, Venezuela/Colegio Emil Friedman), Ben Holstege, senior Tanner Vincent (Novi, Mich./Novi) and senior Max DeYoung (Grand Rapids, Mich./Forest Hills Eastern) finished 17th at 6:49.53.
The Knights finish the season on Saturday for the final day of the championships.


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Batan Island in the province of Batanes, showing elevation and modern settlements. [00-455]
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Batanes & Babuyan Islands, Philippines located between Luzon and Taiwan. [00-457]
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Federated States of Micronesia showing island names and major towns - 2012. [12-222]
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Myanmar 2012 with states, rivers and major regional towns in neighbouring countries.
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Nellore District in India, not to scale.
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Detailed map of northeast India (west of Myanmar).
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Northern India: Punjab, Himachal Pradesh.
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Palawan Island showing capital Puerto Princesa, municipality borders and names and nearby islands.
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Elevation map showing the countries surrounding the occupied Palestinian territories of the West Bank and Gaza Strip.
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Philippines administration base showing province borders, provincial capitals and island names - 2012. PNG versions of the base map can be downloaded with or without elevation shading.
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All 82 provinces of the Philippines plus airports and sea ports.
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Tokelau islands showing group and individual island names - 2012.
Country: Tokelau
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The combined border area of Myanmar, Thailand and Laos on the Upper Mekong River showing border towns and the central location of the Golden Triangle in the Southeast Asian border mountains.
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Purse Of Pockets
The POP Company Purse of Pocktes
Liza created her original Pet Owner's Purse for on-the-move pet parents who take their pups everywhere they go. But when someone has nice things (and the POP is a killer fashion statement), their friends wants nice things too. So, we created the Purse of Pockets for the busy woman who might not cart her dog all over town (we left out the poopie bag dispenser) but wanted the same great features in a stylin' tote she could rock with pride.
The Purse of Pockets is a tough little lady that won't shriek at a little rain – the durable, water-resistant waxed cotton canvas can stand up to the elements. And we can't be the only ones who trusted that "leak-proof" coffee canteen, so we outfitted our bags with a waxed linen interior that cleans up like a dream (if you clean in your dreams –we don't).
Organization has never been easier with SIXTEEN pockets to keep your essentials in place, plus a 3-way convertible shoulder/crossbody/backpack strap and comfy dual carrying handles. Our Purse of Pockets is proudly hand-crafted in Birch Harbor, ME using materials sourced right here in America. We've spoiled you with dozens of gorgeous color options but if you don't see your fav, we'll do our best to make it happen with a custom order.
Original Purse of Pockets
Traveler's Purse of Pockets
Mini-Me Purse of Pockets
Original Purse of Pockets
The O.G. Purse of Pockets was made for the control freak in us all – the woman who wants to feel organized and look crazy-good while she's doing it. This roomy tote features 16 pockets (8 inside, 8 out), a super comfy genuine leather crossbody/shoulder/backpack strap, and dual handles. You'll never want to carry another bag again.
Traveler's Purse of Pockets
The Traveler's Purse of Pockets is a larger version for commuters, overnighters, and even busy moms (canine, feline, human – take your pick). You can divvy your essentials between 16 handy pockets (8 inside, 8 out). Carry your bag hands-free with the gorgeous genuine leather crossbody/shoulder/backpackstrap or keep it close with dual handles.
Mini-Pup Purse of Pockets
The Mini-Pup Purse of Pockets might be smaller than our original version, but we've packed the same great features into this pretty little package. The genuine leather 3-way convertible straps are so comfy, you might forget it's there. Which is why we've added a strong zipper top to keep your very organized goodies – because you still get 16 pockets with this bad boy (8 inside, 8 out) – safe from prying hands.


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What are your favorite topics to cover for Forbes?
Are you limited to a specific scope in your writing with Forbes? How did you get your foot in the door to write for them? Suggestions on how to get a big outlet like that to pick up an article?
Hi Jef,
In regards to scope with Forbes, it's fairly broad and flexible. Although I focus on the Asia region including Australia and technology, innovation, entrepreneurship and start-ups. All things I am interested in.
Forbes basically approached me on Linkedin and asked me if I was interested to write. In China, I worked on a tech blog business where I lead the English content. My work has floated around various publications including The Washington Post, VentureBeat, Harvard Business Review, so I think they noticed my name.
In terms of getting an outlet like Forbes to pick it up, I suggest really understanding the interest of the writer and pitch them on that angle. We get approached a lot by people wanting to publish stuff, especially PR people who are paid to do it. The story has to be compelling and fit the Forbes audience.
Hope that helps!


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We offer great meeting facilities at our central London offices in Soho. If you have a project in mind that you would like to discuss with us
28 Poland Street, Soho, London W1F 8QP
The team at Reactive Graphics is happy to keep you updated and can discuss the progress of the new website at any time. Our reputation depends on happy clients, so it's important that we respond to any questions you might have as quickly as possible. You can contact us by phone or by email and you will receive a speedy response. We are also available to attend meetings to discuss the job in detail, whether it's for the initial brief or mid-project meetup.
We are available Monday to Friday to assist you with your requirements. In the unlikely event that your web site should require emergency attention then we are here to assist. All web sites we produce are flexible to account for your future needs so, if you require features to be added to the site then we are always on hand to offer our services.
VAT Registration Number: 906 5471 22 | Company Registration No: 5832036 | Registered Office: 28 Poland Street, Soho, London W1F 8QP, United Kingdom


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Cinimod Studio were commissioned by London agency Imagination to produce unique and engaging artworks for the "Inside Rolls-Royce" exhibition held at the Saatchi Gallery.
Spirit of Ecstasy for Inside Rolls-Royce
London, UK – 2014
Client: Rolls-Royce
Location: Saatchi Gallery, London
Creative Agency: Imagination
Physical Production: Cinimod Studio
Music Composition: Cinimod Studio
The public were invited to transform themselves into the brand's iconic 'Spirit of Ecstasy' via a light particle animation and video wall. Using cutting edge software, the dormant state of the angelic figure was dynamically transformed into a live interactive performance upon the viewer's presence in front of the screen. Amidst a shower of golden sparkles echoing the participant's silhouette, the Spirit of Ecstasy was brought to life in a stunning real-time visual performance in which an interactive soundscape further enhanced the immersive experience.
Also displayed was 'Wood Wall', another Cinimod Studio artwork which celebrated particular aspects of Rolls-Royce's incredible design and craftsmanship.
The nine pristine white rooms of the Saatchi Gallery served as the perfect backdrop for this exhibition which explored and celebrated the rich colours, textures, design and customisation culture of Rolls-Royce. The interactive installations produced by Cinimod Studio were cutting edge in their design and execution, and through the close collaboration with Imagination and Rolls-Royce, they were a successful embodiment of the luxury brand.
The multi-sensory exhibition toured the world, from Berlin to Dubai, Shanghai to Los Angeles, and beyond.
Related Projects


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After last year's disaster we were very excited to see our trees full of flower buds the next Spring. A fabulous sign for a great harvest we hoped. For most people it was. However, for us and our neighbours it really, really, wasn't.
You see, just as the buds were flowering, we had damp, misty weather which basically stopped the pollen from circulating and fertilising the fruit. Most other people had a fabulous year. We had another stinker!
It took five of us 4 days to harvest 6 crates of olives (each crate holds around 25kg of olives or 2 'measures')* as the crop was so sparse - truly abysmal. We basically pressed enough just to give us oil for one year.
This is the thing that people often don't realise. Harvesting here is all done by hand and it is very time-consuimg. Now, if you have a nice compact tree with no dead wood that is full of olives you can get anything up to 2 (or even 3 crates in a marvellous year) per tree. As I've explained in my previous posts our trees (or plants as they call them here) are in less less than optimal condition as they are too tall, not fully cleaned (ie still have dead wood amongst the branches) and this year have had a very sparse fruit production.
These have been hard lessons in farming!
* a 'measure' is an old quantity if olives. It roughly translates to 12.5kg but was traditionally a measure of volume. Some villages still have their stone 'measure's in the main piazza where you poured your olives and counted your measures. Often 1/2 had to go to the owner of the land and the farmer kept half. This way there was no cheating. Our yield is calculated by the number of measures of olives required to produce a measure of oil. To put it in modern parlance, how many lots of 12.5kg of olives to produce 12.5 kg of oil. If it helps, one litre of oil weights 0.972kg.


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For a brand to have meaning in any useful sense there must be a collection of clear and concise standards which ensure that each user of the brand has the responsibility to deliver a consistent and uniform guest experience.
The great hotel operating companies of the world whether they are international or entirely local, or whether they have one brand or a suite of brands, fundamentally depend on their owners and franchisees to adhere to brand standards. Typically the brand standards are most comprehensively codified with respect to five (5) star brands as these generally are the most treasured gems in the operator's stable of brands.
For both managed and franchised hotels, operators take various approaches to brand standard compliance. Some operators mandate brand standard audits and if not complied with on one or more occasions then adverse consequences may be imposed upon the recalcitrant owner with the ultimate sanction being termination of the management or franchise arrangement, removal of the brand and the potential of a claim for significant damages against the owner for breach of contract.
For hotels under management agreements, compliance with brand standards at all times is achieved through the daily management leadership of the general manager and other senior personnel appointed to the hotel by the operator. In practice, however, operators adopt a common sense approach to compliance particularly with respect to matters such as upgrade requirements pertaining to technology in advance of the expiration of the life cycle / tax written down value of existing technology in the hotel. To take but one example in the technology landscape, mandated requirements to comply with state of the art plasma screen / LCD television receivers are tempered by a recognition that this should only be insisted upon when the life cycle / tax depreciation expiry date of existing television receivers is reached.
Brand standards are the essence of the symbiotic relationship between all owners and franchisees who are authorised to use the brand and the operating company who is the brand owner. Each owner/franchisee looks to the operating company to mandate brand standard compliance across the chain of hotels using the same brand and to take decisive action with respect to instances of non-compliance. The operating company relies on each owner/franchisee to comply with its contractual obligations to comply with brand standards and spend the necessary funds to ensure that this takes place.
As with all the previous articles in this series, we would be happy to elaborate to any interested reader any aspect of this topic and the key negotiation considerations relating thereto.
About Baker & McKenzie
Founded in 1949, Baker & McKenzie advises many of the world's most dynamic and successful business organizations through more than 11,000 people in 77 offices in 47 countries. The Firm is known for its global perspective, deep understanding of the local language and culture of business, uncompromising commitment to excellence, and world-class fluency in its client service. Global revenues for the fiscal year ended 30 June 2014, were US$2.54 billion. Eduardo Leite is Chairman of the Executive Committee. (www.bakermckenzie.com)
Logos, product and company names mentioned are the property of their respective owners.


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InfoTech firms supply businesses with IT advice. Nevertheless, not all they give great suggestions and also speaking with one that does not could be a nightmare for your company. If the company proposes the wrong option, your organization can shed greater than financial investment funding; it might likewise shed performance, or even the capability to protect its information. Choosing the appropriate professional is one of the most essential choices a service can make. If your company requires the assistance of one, the ideas below will aid you discover one that supplies the excellent guidance:
Select a Specialist That Concentrates on What You Need
Some organizations presume that such an expert has knowledge in all locations of Information Technology, which resembles thinking an attorney could handle any kind of legal case. In truth, consultants have locations they concentrate on, locations they are proficient in, and locations where they do not have effectiveness. If you need a particular service, select a consultant who has experience offering that service.
Choose a Consultant Who Uses Managed Solutions
Implementing software application on an internal version is becoming less preferred, and also for a great factor: implementing them on a Software as a Service version is less expensive, as well as it commonly results in much better efficiency from the program, as the provider constantly maintains the program up to date. Data storage space is another area where taken care of remedies can save you cash. As opposed to preserving your very own web server offsite, you can place your encrypted information on the storage servers of a handled IT support service provider.
Select a Consultant Who Hears Your Trouble
You could consider these experts as medical professionals that identify computer, network, or outer troubles. If the consultant does not pay attention to the signs and symptoms of the issue, a wrong medical diagnosis could be made. Experts that are poor audiences frequently suggest a remedy without asking detailed inquiries – a sign of inexperience that some firms blunder for an indication of experience. If a current professional appears to recognize the remedy to a problem before you appropriately define it, discover a specialist that will certainly listen.
Select a Specialist Who Stands Firm on the Ideal Remedy
Those who care about their online reputation will certainly not market you a sub-par service. Rather, they will certainly persevere on giving you the legal tech Deutschland that truly satisfies your needs. Sometimes, this steadfastness is misinterpreted for something it is not: the need to make loan by pushing a particular option.
Pick a Specialist that has Strong Recommendations
Professionals receive most of their clients based on the toughness of their recommendations. So, be sure to ask a consultant for numerous references to present or previous clients whose situation was similar to yours. Prior to you talk with the references, develop a checklist of inquiries that target what you need to understand about the consultant.


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Speech! Speech! How to handle an impromptu speaking request
You received an 11th-hour plea to fill in for a speaker. Short of developing a case of laryngitis, what do you do?
The phone rings just after lunch, and a frantic voice on the other end of the line says: "Tonight's speaker can't make it. Can you please pinch-hit at 7 o'clock?"
You glance at the clock and gulp; then you agree to help out your colleague. You immediately clear your calendar for the afternoon. Instead of going into panic mode, you create a plan of attack.
Information overload
When you're asked to speak on short notice (or on any occasion, for that matter), there's no such thing as too much information. The more information you've got, the better. In your haste to start preparing, you might overlook important details. Use the following as a starting point of a pre-speech checklist.
- The venue: How big is the room? What are the acoustics? What type of lighting is available? Will there be a podium? What audiovisual equipment is there? Is the microphone cordless? Do you have to bring a bottle of water? How early can you arrive to set up/do a sound check? Where are the restrooms? Exits? Is there Wi-Fi?
- The audience: How many people are expected? Age range? Proportion of male to female? Education level?
- The speech: Narrow the topic; get as specific as possible. Are there key areas on which you should focus? Any topics you should avoid? How much does the audience already know about this topic? How long should your speech be? Be sure that the emcee has your bio.
No need to reinvent the wheel
You're doing them a favor by speaking at the last minute. Ask whether they can do you a favor in return. Perhaps there's a related topic that you're more comfortable addressing. See if there is any leeway in the subject matter. If so, tailor it toward a topic or facet of the specified subject matter about which you are more knowledgeable.
If you're lucky, perhaps you've already spoken on this topic. As long as you're addressing a new audience, repurpose your old speech.
Better yet, try to get a copy of the original speaker's notes or actual speech. Though it might not be written in your particular style, you'll be way ahead of the game and can tweak it to suit your own delivery (assuming that Speaker No. 1 is OK with this and that you give credit where credit is due).
Go low tech
Given the fact that you have a few hours (not days or weeks) to prep for the speech, put your efforts into the speech itself. Don't worry about fancy visuals to accompany your speech.
Depending on your topic and your audience, you could enlist the help of audience members to incorporate a "technical" aspect into your presentation. Ask audience members to use their smartphones—or their laptops and tablets if Wi-Fi is available—to take a quick survey related to your topic, for instance. This also will engage the audience.
Be prepared
How can you be prepared for a speech you didn't know you'd be giving? Be a hoarder. Be a voracious reader, and save any material you think will be of use later. This requires that you be organized as well.
Bookmark online resources, and arrange them in folders by topic. The same goes for emails. Create folders and sub-folders so that you can easily find material. Digital content is easily searchable, saving time and energy. If you save printed material, highlight words so that you can scan quickly.
Be a quick study
You obviously can't be an expert on everything. When you must research a topic quickly, here are a few go-to resources:
- Higher-ed institutions
- Your local library
- Professional organizations
- News outlets and individual journalists
- Expert sources (Experts.com, HARO, Journalist's Toolbox, Pitchrate, ProfNet, Reporter Connection)
- Toastmasters (for speaking tips)
Practice makes perfect
Make sure you allow time for practice. Because you're doing this on the fly, you should create note cards for your speech (even if you usually speak off the cuff). Remember, you haven't had weeks of preparation so the material is not ingrained into your memory.
What to avoid
You may be tempted to preface your speech with a disclaimer so that the audience will forgive any shortcomings in your speech. Don't. If you give the audience a reason to doubt you, they will. Instead, stride to the podium with confidence.
Beware of the post-speech Q-and-A session. If at all possible, avoid it. You may be asked questions that you are not prepared to answer. If you have to fill time, change the format and call it a feedback session. Give audience members two minutes to share their opinion on the topic at hand.
Follow the steps outlined here, and you'll never be left speech-less.
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What's in this guide?
Did you know that around 4 million households in the UK aren't connected to the National Gas Grid?
If you live in one of these homes, you probably have an oil boiler.
To check, take a look at the tank that is usually fixed outside of your home, it should be clearly labelled with what it is and the type of oil you require.
Let's take a closer look at heating oil.
What is heating oil?
Heating oil is usually used in a 'wet' system that heats water with your fried oil.
The main difference between being connected to the National Gas Grid and having an oil boiler is that your oil will be delivered to you and stored in a tank.
When it comes to the actual boiler, there are heat combination oil-fired boiler types.
Most oil-fired combination boilers have hot water storage, rather than direct heating in gas boilers.
There are usually two different kinds of oils available for you to use; kerosene heating oil and gas oil.
Note: If you have recently moved into a property with an oil boiler, you should see if it's possible for you to choose which oil you use.
Let's take a closer look at these two types and see which would be best for you.
Kerosene heating oil
Kerosene heating oil is also known as '28-second' or heating oil. This oil is regarded as being a cleaner and lighter option to traditional gas oil, and it is the most common type for homes in the UK.
The premium version of kerosene that contains additives usually costs £20 to £30 more than the average type, however when it burns, it does this in a much cleaner way which makes it more efficient.
Gas oil
Gas oil, on the other hand, is said to be a heavier oil that is usually used in the agricultural industry or older boilers.
It is recommended that if you can choose your oil type, you should opt for kerosene oil.
According to reports, kerosene oil is much less likely to 'wax' in cold temperatures, which is where it forms crystals that stop the flow until it reaches below -39°C, but you should always check with your supplier.
How much does it cost?
When it comes to costs, it is likely that having an oil boiler will cost you more than getting your gas from the National Gas Grid.
Some suppliers estimate that your yearly gas costs will be around £572, while a heating oil boiler might cost you £785.
Meaning that your yearly costs could be around £200 extra for using that form of central heating.
However, these are just averages, so in your specific scenario, it may be more cost-effective to use an oil boiler.
Heating oil pros
✔ Oil is an efficient fuel
✔ Having an oil boiler might be more cost-effective for you
✔ Upgrading an existing oil boiler may be straight-forward
Heating oil cons
✗ Oil is more expensive due to rising prices
✗ Heating your home with oil may not be as cost-effective
✗ Oil will be sent to you via the roads near your home so that you may run out before your delivery
✗ Installing an oil boiler from scratch may be expensive and disruptive
✗ A heating tank can be an eyesore unless you get it installed underground
✗ Your heating tank would need servicing yearly
✗ A fossil fuel that can't be considered clean energy
✗ Your flow rate would be lower than with a condensing boiler
✗ The temperature would decrease the longer it's on
Note: There are alternatives to heating oil, such as thermal solar panels or a heat pump.
Which suppliers provide home heating oil
BoilerJuice is the UK's #1 independent domestic heating oil supplier and benefits from an excellent 5-star rating on Trustpilot out of a massive 38,000 reviews.
Positive BoilerJuice Review
D. Sullivan on Trustpilot: The service by both Boiler Juice and the supplier were impeccable and could not be faulted.
Negative BoilerJuice Review
Kathleen on Trustpilot: We always ask for an email or text or phone call before delivery. The delivery arrived without any prior notification even though the driver said it was on his paperwork.
Can I compare?
BoilerJuice allows its customers to see which independent suppliers are in their area and how much it will cost, making it a great comparison website for heating oil.
Did you know that you could be saving £200 a year on your energy bills?
Take a look at the EnergySeek guides to find out more about your energy, or see reviews of the top 7 energy switching sites to compare gas & electricity.


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The Devonshire Regiment was raised in 1685 by the Duke of Beaufort for the suppression of the Monmouth Rebellion.
It was numbered 11th Foot in 1747, to which North Devonshire was added in 1782.
On 1 July 1881, the 11th (North Devonshire) Regiment became the Devonshire Regiment.
On 17th July 1958, The Devonshire Regiment merged with The Dorset Regiment, to form The Devon and Dorset Regiment.


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Time: 7:00 pm to 8:30 pm
Contact: Dale O'Neill · email@example.com · 504.865.3612
Location: Audubon Room, 2nd Floor, Danna Center
Join the ladies from the Panhellenic Association to learn more about joining a Panhellenic sorority on campus. Representatives from all four Panhellenic sororities will be available to answer questions. For more information, please contact Amy Watkins, Vice President of Recruitment for the Panhellenic Association, at firstname.lastname@example.com
Faith in the Future — The Campaign for Loyola University New Orleans
Loyola University New Orleans is a member of the Association of Jesuit Colleges & Universities
Copyright © 1996-2020 Loyola University New Orleans | Emergency Information
6363 St. Charles Avenue | New Orleans, LA 70118 | Contact Us
Admissions: 504-865-3240 or 1-800-456-9652


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TRI-CITIES (WJHL) – On Sunday Tennessee Governor Bill Haslam called on Trump to step down and let vice presidential candidate Mike Pence lead the ticket as the nominee.
But top Republicans in the Tri-Cities said Tuesday they are they still supporting their party's candidate.
They were words that sparked a national conversation.
"I just start kissing them. It's like a magnet. Just kiss. I don't even wait. And when you're a star they let you do it," Donald Trump said in a leaked video dating more than 10 years back.
"I think anybody who heard it kind of like scratching your fingers on a chalkboard is how that affected me," Congressman Phil Roe said.
"I don't know anyone who can defend that tape," said Representative Jon Lundberg.
Similar responses from local politicians who also share a similar outlook on the future, still in support of Donald Trump.
Virginia Congressman Morgan Griffith said in a statement:
"Donald Trump's statements from 11 years ago are repugnant and reprehensible.
But we have only two candidates who in reality can be elected president. One has an economic plan that can realistically benefit the 9th District of Virginia and has agreed to appoint Justices to the Supreme Court who will be conservative defenders of our Constitution. The other candidate has promised and demonstrated she will do the opposite."
Tennessee's Roe and Lundberg said they support Trump because they support his policies.
"The two issues I think that are on most Americans minds are safety – are we secure and safe in this country," said Roe. "Number two is jobs. I just don't think the current policies of the administration are doing those things."
Heading into November, Lundberg said voters need to put that leaked tape of Trump into perspective.
"Bill Clinton's actions in the Oval Office are far worse than words, and his wife – the democratic nominee's support of that and victimization I think says a great deal about her character," said Lundberg.
"If you think we're heading in the right direction, and Hillary is your candidate. If you do not then you need to take a different direction," Roe said.Copyright 2016 WJHL. All rights reserved.


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Have you tried Sugaring? Way better than Waxing! Become a Sugar Junkie today!
We have some great shopping, so feel free to visit even if you don't have an appointment. But yourself something or a gift for a friend. We even give you a gift bag.
2126 East Thompson Boulevard, Ventura, California 93001, United States
Open today
09:00 am – 06:00 pm
Copyright © 2019 Sugar Junkie Beauty Lounge - All Rights Reserved.
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- Home
- Stationery + Brushes
- Artist Brushes
We take pride in providing high quality artist brushes. Our SPI brushes are hand made in Germany using only the finest fibres and materials. We also stock palettes and palette knives for mixing and applying paints more conveniently.
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Recreate this pretty look in 6 easy steps:
Step 1: After cleansing, toning and moisturising the face, apply Tinted Perfection Base Primer all over the face. Prep base using the foundation from the Total Makeover FF Cream palette. Blend it evenly across the face with a beauty blender and set the base with Glow to Glamour matte fixing powder.
Step 2: Contour the face using bronzer from the Chisel It Show Stopper palette. Apply bronzer along the jawline, diagonally across the hollows of the cheeks and the temples. Next, apply blush from the same palette on the cheeks for a flush of colour. Use highlighter on the higher planes of the face like tops of the cheeks, middle of the forehead, bridge of the nose and chin.
Step 3:Tight line the eyes using Jet Set Eyes kajal. On the eyelids, apply a brown eyeshadow from the All Eye Need Mocha Loca palette. Next, dab some shimmery gold highlighter from the same palette on the centre of the lids and using brush, spread it evenly across the lids.
Step 4:Use Wheelie Precision Eyeliner to create winged eyeliner. Highlight the inner corners of the eyes and brow bone using gold highlighter from the All Eye Need Picture Perfect palette.
Step 5:Fill in the brows with Stay Defined HD brow powder and apply a few coats of Threesome mascara on the upper and lower eyelashes.
Step 6: Moisturise the lips and swipe on red matte lipstick like the Butterlicious in High Voltage. Dab on some gold glitter on the centre of the lips for a sparkling touch.
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If you buy something from the links on this page, we may earn a commission. Why trust us?
If you didn't Instagram your egg hunt ... did it even happen?
Go on, put all of your eggs in these decorative easter baskets! Whether intricately pre-assembled or used for collecting candy at the neighborhood egg hunt, these baskets make your Easter Sunday an extra-sweet occasion.
Here's a ready-made gift bundle that's perfect for sending to a far-away niece or nephew on Easter. This felt bunny bag includes an exciting bushel of games and activities, including a sticker book, stuffed hedgehog, wind-up toy, squishy ball, and — probably the most exciting — a bunny that "poops" out jelly beans!
These adorable canvas totes are a delightful Easter alternative to the usual baskets and buckets. Their generous 12-inch length is definitely large enough to hold a bounty of Easter eggs. Plus, these bags also make great take-home favors for party guests!
We love customized Easter baskets that can be used as toy or craft storage after the holiday has come and gone. These small 4-inch-high metal buckets come in five different colors, with nameplates available in four springy shades.
Here's a sophisticated option that doubles seamlessly as a hostess gift. The kids will love the treats stashed inside of these wooden baskets, but the grown-ups will no doubt find use for them as year-round décor for the home. They come in the dark cherry and soft maple stains pictured.
Anticipating a massive candy haul? This Easter bucket is the perfect size for stashing all the treats! At nearly 11 inches wide, this durable plastic item will allow your little ones to collect as many eggs as they can find — and tote them around easily!
This Easter basket from Pottery Barn has the look of a greenery-wrapped bird's nest, but its metal frame makes it a lot more durable. Use it for holding decorative moss, straw, and eggs, or even as a springtime planter.
This fuzzy chick is too cute to resist! Its soft faux-fur material, colored with environmentally safe dye, is perfect for getting the littlest members of your household into the egg-hunt fun.
As beautiful for spring décor as it is for Easter basket gifting, this powder-blue wire basket from World Market is a wonderful complement to the bright-and-sunny season.
Grown-up guests most appreciate a gift basket they can repurpose for any occasion. This pick provides the perfect foundation for a picnic-themed Easter basket, which you can complete with a cheese board and bottle of vino.
This personalized keepsake Easter basket is made of burlap and cotton, with pipe cleaners built into the ears so that they can be bent any which way! Choose from a 5-, 8-, or 10-inch-wide basket for housing mini- to mega-sized chocolate treats.


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The left back has never really been at home at Preston since joining under Simon Grayson. He sLipped behind Josh Earl to become the third choice left back last season.
Even when h was given a start he looked out of his depth at Championship level. When both Cunningham and Earl were fit last season he faded into the background and since then Neil has always looked to move the left back out.
O'Connor has signed a loan deal which will keep him at Crewe until January.


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Gypsum is an inert, safe mineral that has been used in a variety of applications for centuries. It was used as plaster in the Egyptian pyramids, and today it is most commonly used in homes and commercial buildings, as gypsum wallboard. Gypsum wallboard is a rigid, light-weight building product, valued for its fire-resistant properties.
Gypsum has many other uses, too. In fact, it is used as a filler ingredient in many foods. The average person eats about 28 pounds of gypsum in a lifetime. When gypsum rock is crushed and the water removed, it can be used to make plaster of paris, commonly used in industry. Ground gypsum is also used as a soil conditioner.
Chemically, gypsum rock is calcium sulfate with two molecules of water. Gypsum rock is found throughout the world and deposits in North America run from Baja, Mexico, through Utah and from southwestern Texas to the Niagara River in New York State. The largest gypsum quarry in the world is located in Nova Scotia and is owned by National Gypsum.
National Gypsum mines and quarries gypsum rock, crushes and grinds it, and calcines it to remove chemically bound water.
It adds starch and other additives and water to form a stucco slurry. The stucco is sandwiched between two sheets of paper and hardens, forming wallboard.
National Gypsum also uses another form of calcium sulfate called byproduct gypsum. Byproduct gypsum is produced when power companies scrub their coal-fired emissions to remove sulfur dioxide. The resulting byproduct is calcium sulfate. National Gypsum can use this solid waste, which would otherwise go to a landfill, to produce wallboard.
Gypsum (jip'sum), mineral composed of calcium sulfate (calcium, sulfur, and oxygen) with two molecules of water, CaSO4·2H2O.
Many names and uses:


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Housesitting Week 3
The weeks have passed as I expected, almost. I missed Boyfriend the first week. The second week, I adjusted to having him gone. This week, I look forward to his return, but I have so much I need to get done in the next couple days.
I thought that being here by myself would motivate me to organized the bags of paperwork that I need to get through. It hasn't.
I thought that being here by myself would motivate me to put a good polish on his place. It hasn't.
I thought that having fewer distractions here would lead to reading more than I do. I brought four of the books I'm in the middle of to finish during my stay, but I have cracked one open once. I have read magazines and internet articles like I eat hummus. I just can't get enough.
It seems that on my two or three nights to myself every week, I would rather make myself yummy to eat that Little Guy would not enjoy and watch a movie.
I thought I would stay on top of the dishes, but I let them pile up for days until last night. I had no clean plates or glasses or mugs, so I bought coffee yesterday morning instead of washing a mug and making my own beverage. I could have used a dirty one again, but I had done that for three days already. That applied to my water glass, too. Tee hee. Ew.
As much as I have enjoyed having my own space, especially farting whenever I want (Hold it in? Why?), I have missed the daily company of Girlfriend. I see her every few days. And damn, it's an adjustment to go from sharing parenting responsibilities with her to doing it all alone.
Next week, the restaurant will close for its semi-annual cleaning for a few days. For the first time ever, I will take advantage of those days off and drive me and Little Guy to see my mom. That's where the crunch comes in.
I want to move all my stuff back to my place before I take the trip. I also want to wash the dogs. They STINK! I have to work Saturday and Sunday, so that leaves me with the next three days to accomplish laundry, the paperwork, the move, packing for the trip, the dog washing and probably a trip to the vet for one of the dogs.
Looking at that list, I can't believe I've been here two weeks already and gotten so little done. I also wanted to get my Feng Shui book and figure out why this place sucks all motivation out of me. I would be happy to lie in bed here more often than usual. I watched movies instead of doing dishes. I haven't walked the dogs every day due to snowy weather. I suppose there's nothing wrong with sitting still every now and then. It just feels weird to me.
On top of that, I attempted to quit dairy a week ago. It went well until Friday when I HAD to have cream in my coffee at work. Then, I worked Sunday brunch, and Boss said she would make me anything I wanted, even Lamb Ribs. I ordered the salmon and goat cheese omelette. Ah, welcome to Flavor Bliss. And how much flatulence would you like with that? More than I had passed all week. Frick, it was worth it!


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Innovate: Project Details
Lambda Alpha Epsilon
Project Summary
The American Criminal Justice Association is a national organization of criminal justice students, academics, and professionals with membership in over three quarters of the states in the nation.Student Services assists them with mentorship and organization, as well as providing information on upcoming programs and events and participating in SHSU programs, such as Saturdays at SAM and Parent's Weekend. Advertising assists them with promoting their monthly meetings.
Individual Tasks
Below is a listing of all the individual parts that go into making this project a success. You can click on the person's name to view their staff page and see what else they are working on or click on the task type for more detailed information about what the task involves.


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Our people
The most important thing to us is building products people love
Our People
- Paul Winton
- Todd McLeay
- Scott Fenton
- Josh Scholar
- Todd Halliday
- Chris Downing
- Sam Pinches
- Selwyn Van Wyk
- Hylton Van Wyk
- Nathan Tummon
- Clinton Cross
- Steve Van Wyk
- Zac Arena-Foster
- James McRobert
- Ting Hsu
- Adam Croxford
Entrepreneur – Engineer – Investment Specialist
kinaroad exists today because Paul loves board sports and is super passionate about creating a better way to design, manufacture and distribute stuff. His obsession for beautiful design married with lean manufacturing led to kinaroad's mission: to create a cloud-based board design interface that integrates seamlessly with local manufacturing cells. No more long lead times, minimum quantities or working capital tied up in stock. A big win for all stakeholders. And a big challenge? You bet!
Paul has PhD in engineering from the University of Auckland and spent several years with consulting firm McKinsey & Co before founding his own Australasian based capital investment consulting firm. Paul has served clients in Australasia, Asia, USA and Europe across multiple industry sectors with a focus on private equity, capital investment planning and acquisition transaction support.
In his spare time, Paul loves hanging out at the company's namesake 'Kina Road' a famous windsurfing, kiting and surfing location in Taranaki, New Zealand. When he is not on the beach, you will find him deep into solving the complex engineering challenges and capital raising requirements of the business.
Founder/ Shareholder/ Director
Marketing Maestro – Entrepreneur – Innovator
Todd is an experienced senior executive having had a range of roles including Chief Executive Officer of Whybin TBWA New Zealand, a marketing and communications agency for today's rapidly changing world, Chief Operating Officer for New Zealand at APN News & Media Ltd. and APN New Zealand Limited, Chief Executive Officer of New Zealand Lotteries Commission and General Manager of Marketing at New Zealand Post Limited. Todd is a non-executive director and shareholder at kinaroad.
Shareholder/ Director
Entrepreneur – Strategist – Rule-Breaker
Scott has had a diverse career path including 12 years as a professional windsurfer between 1990 and 2002. Scott achieved a world ranking of number three in 1997, a feat that he repeated in 2000. He was recognised around the world for his trademark Mohawk, and creative marketing campaigns for large multi-national brands such as Philips, Corona beer, Neil Pryde Sails and Diesel clothing.
Scott transitioned from a professional athlete into an international management role for Gaastra Windsurfing Sails before returning to New Zealand where he founded a property investment business in 2004. Scott has an MBA from the University of Auckland Business School. He is passionate about entrepreneurship and leveraging creative disruption to innovate global businesses from New Zealand. Scott is heavily involved in Auckland's start-up eco-system, mentoring early stage companies at The Icehouse and Lightening Lab.
When he is not surfing, kiting, or windsurfing you will find him buried in the strategic and operational aspects of building kinaroad into a global manufacturing platform for the benefit of all water-sport enthusiasts.
Shareholder/ CEO
Chief CAD/CAM Engineer
Mechanical Engineer
With a degree in mechanical engineering and a passion for surfing, Josh does his magic with the board CAD files and keeps the robots operating smoothly.
Chief CAD/CAM Engineer
Operations Manager
Looks after the production and day to day operations.
Operations Manager
Software Engineer – Software & Systems Architect
With an Associate diploma in Electronics Engineering and a Bachelor in Computer Science, Chris maintains and develops all the fancy stuff that connects our software platform to our manufacturing hub. When not buried in code or developing the advanced robotics that powers kinaroad, you will find Chris somewhere in the great outdoors, sailing, surfing, riding or hiking.
Chief of Software
Mechanical Engineer
Another CAD man and robot maintainer.
Composites Innovation Manager
Composites Innovation Manager.
Quality Control Manager
Quality Control Manager


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About This Test
Here at Suresign we understand that when planning for a little one it takes more than just a simple pregnancy test. Thats why we created our Fertility Bundle to give you control of your journey with the help of just 1 little box.
Bundle includes: 5 Ovulation Tests & 2 Pregnancy Tests.
Key Features
- Pregnancy test can be used 4 days before period is due.
- Pregnancy results in 3 minutes.
- Ovulation results in 10 minutes.
- 99% accurate.


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Take the vitamin rich sapote oil (fantastic for hair growth), moisturising argan and meadowfoam Seed Oil. Combine this with herbal infused apricot seed oil, black pepper essential oil (also great for hair growth) and you have a hair growth oil like no other.
Trying to grow your hair or your beard, then you are in the right place. Mix the oil with our Deep Conditioning Hair Balm to apply to your hair and scalp or mix with our Moisturing Beard Oil and apply to your beard. Then sit back and watch the magic happen.
Add a couple of drops to affected areas and massage into your scalp daily. You can also mix a couple of drops with our deep conditioning hair balm or our beard oil.
Prunus armeniaca (apricot) kernel Oil (herbal infused), Pouteria Sapota (sapote) oil, Argania spinosa kernel (argan) oil, Limnanthes alba (meadowfoam) seed oil, Isoamyl cocoate, Isoamyl laurate, Piper nigrum (black pepper) seed oil


text: If you're like me, you love to decorate your home to reflect the changing seasons and holidays! Living in Pennsylvania, I enjoy a full four seasons each with their own characteristics and charm. When I can, I like to make my own home decor that reflects the beauty of the landscape around me. My favorite projects include DIY wreaths, Christmas ornaments and gifts.


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The new incarnation of Virgin Radio UK has begun testing on satellite, ahead of an expected arrival on Sky boxes shortly.
From the beginning of 2019, the station will become the home of Chris Evans at breakfast and the addition will mean users with Sky boxes will be able to listen in via their television.
The station is part of the Wireless Group, a division of Rupert Murdoch's News UK, first launched in 2016 as part of the UK's second national DAB multiplex, Sound Digital. The Virgin Radio brand was relaunched in the UK after an eight year hiatus after the original Virgin Radio was rebranded Absolute Radio.
Virgin Radio UK can already be added through manual tuning; also on Freesat and other free-to-air satellite receivers, using the following parameters:
Freq: 11554
Pol: Horizontal
Symbol Rate: 22000
Mode: DVB-S QPSK


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MYTH 1 Cuting a cros into the base of brusels sprouts helps them cok properly
THE THEORY GOES that the criss-cross in the base helps sprouts cook more quickly on the inside – not so idiotic in the days when they were much larger. But it's likely to leave today's smaller varieties overcooked, water-logged and mushy. Boiling them for too long also destroys water-soluble vitamin C. Sprouts are packed with other nutrients, too, including potassium, folate, eye-friendly antioxidants lutein and zeaxanthin, and glucosinolates, which form a cancer-busting compound called sulforaphane in the body. If you do end up with waterlogged sprouts, turn them into bubble and squeak by mashing them with other veg and frying in a little olive oil. You don't always want to keep them whole, either. Try cutting them in half, boiling for 1–2 min, then frying in a little olive oil with some onion, pancetta and chestnuts and a grind of black pepper. Or shred uncooked sprouts and mix with shredded red cabbage, carrot and onion and light mayo to make a festive coleslaw.
A survey of 1,000 adults in January 2018 revealed that last Christmas…
did no exercise at all between Christmas Eve and New Year's Eve
ate chocolate for breakfast
demolished an entire cheeseboard