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[Emcee] I'd like to welcome everyone to the second in our SunTrust Best Practices webinar series, Don't Let Fraud Steal Your Business. These webinars are informed by research conducted with small business owners across the country, and by our work with SunTrust clients. Protecting a business from fraud should be an important topic for many business owners. Businesses need to be alert to fraud schemes and need to be actively protecting their businesses and assets. We're excited to delve into this important topic. Today's presentation maybe accessed under the Resources tab on your webinar console and downloaded from there.
Also, listed is an accompanying best practices research paper on protecting your business. Please type your questions into the Q&A section of the webinar console at any time during the presentation. We will collect questions and address them during the Q&A session at the end of the webinar.
A recording of the webinar will be available to you after the session, if you want to share today's lessons with others. To lead our webinar, we welcome David Hiller and David Sawyer. David has led the creation of SunTrust Small Business Best Practices research and website. Dave Sawyer is a forensic accountant, certified fraud examiner, and financial crimes investigator. His ability to help companies avoid fraud is informed by having seen the results and causes in many fraud schemes across a wide range of companies. David Hiller, I'll turn it over to you.
[David Hiller] Thank you, welcome everyone. I'd like to remind you that SunTrust is a purpose driven company. Our purpose is lighting the way to financial well-being. This means we're focused on helping our clients, both consumer clients and business owners, take actions that increase their financial confidence and well-being. As part of our commitment to small business owners, we've published a Small Business Best Practices guide that covers straightforward action steps across six areas of financial management. We've developed an online financial assessment quiz for business owners. We've written a set of in-depth Best Practices reports, and we have a variety of resources like this webinar that focus on specific topics.
Several months ago, we completed a nationwide survey of small business owners to understand how they view their current financial health, their business and financial priorities, and the action steps they're planning to take over the next 12 months. The survey had some very interesting findings including how business owners are protecting their businesses from fraud, and that will be our focus today. There are three main points we'd like you to take away from this discussion. First, fraud poses a significant risk to every small business. Second, most small business owners don't fully understand the nature of the risk or how to prevent it. And third, there are some basic action steps you can take to mitigate risk.
We're very fortunate to have David Sawyer with us today. David is an expert in fraud risk and prevention, and he'll share valuable insights and practical recommendations that you can implement. Looking at the results of our survey, a couple of findings stand out. First, fraud affects small businesses, maybe more than many people realize. Our SunTrust research shows that within the past two years, 15% of business owners experience one or more fraud events. However, about half of business owners say they're not very concerned about fraud, and 79% haven't taken basic steps to reduce fraud like separating functions, maintaining data security, reconciling accounts, and some other things we'll discuss today. When we ask business owners about their priorities, protecting the business from fraud ranked second to last. David Sawyer, what do you make of this?
[David Sawyer] Dave, the statistics are really telling. Business owners would probably pay a lot more attention if they knew that 5% of their revenue is lost as a result of fraud, according to recent studies from the ACFE, the Association of Certified Fraud Examiners. Now, let's just put that in perspective. If you have a business that generates a million dollars in gross revenue in a year, you could expect to lose $50,000 in fraud based on these statistics. And that $50,000 goes straight to the bottom line, and that's a significant portion of net income. For instance, if you have a business that's running at a 10% net income level, you just lost half of your net income for the year, $50,000.
And it's no excuse, but I think business owners do not pay as much attention to fraud and white-collar crime, and the risk there is very natural. Business owners are not trained control specialist, and they're likely focused on growing sales and profits and putting in place good business operations. But just because it's "natural and easy" doesn't make it right. Reducing the risk of fraud, we lean on the axiom that an ounce of prevention can prevent a pound or more of pain.
[David Hiller] I want to reiterate David's point that small business owners are not fraud prevention experts and that's exactly why we put together this webinar today to outline simple steps to help you better address your business's vulnerabilities. So, let's dig deeper into the impact of fraud on a small business. As our survey research indicates, 30% of fraud incidents were greater than $10,000 and 10% were greater than $50,000. Every business is different, but as David Sawyer pointed out a $50,000 fraud would be very significant for most businesses. When fraud happens, you're likely not to recover the full amount. You may get some back, but 25% of victims eventually recovered less than half of the fraud amount and 14% got nothing back.
So, while monetary losses can be significant, the secondary impacts of fraud can be even worse. Fraud can distract you and your team from growing your business. Fraud that becomes known to your clients can damage your reputation and cause them to lose trust in your business. Fraud can disrupt relationships with clients, suppliers, and partners. If they feel you don't have tight security and controls in place, they may be reluctant to continue doing business with you. There's also the emotional stress that comes from dealing with fraud investigations and the feeling that you've been robbed. So, David, can you elaborate a little more on the damage that can be caused by fraud?
[David Sawyer] Dave, you make a great point because business owners need to not only look at the monetary impact, the tangible losses that are in the business, but they have to look at the intangible impacts, effects, and losses as well. For an example, I recently worked with law enforcement investigating a case where a non-for-profit organization had been a victim of fraud and non-for-profits as any organization they depend on their donors who trust them to take care of their money, and put it to good use. Now, this fraud involved fictitious vendors and shell companies. Naturally, it involved money laundering and the loss was about a quarter of a million dollars, $250,000.
[David Sawyer] The fraud is a result naturally, the natural outgrowth of that was that it caused donations to shrink and it put the organization in a bit of a precarious position and unable to fulfill its primary core focus and mission. And, like that non-for-profit, for-profit businesses are not so much different because the financial health of a small business depends on good stewardship of funds, the tangible aspect of things, as well as its reputation. The more intangible aspect of a business that you can't really touch and feel but you can certainly see it. But also be cognizant of the cost of cleaning up after a fraud, software removing viruses, you got to rebuild your systems, your internal controls, you might have to add additional customer support and those costs, the collateral damage if you will, can often dwarf the original cost, the monetary cost, of the original fraud.
[David Sawyer] And the natural feeling when a victim of fraud has experienced it is that they feel very vulnerable. They feel violated. And anyone who's, for instance, anyone who's ever been burglarized, will know that feeling for sure. And moving forward, as we move forward through the presentation, the policies and protections you put in place do make a difference. Often the protections and trip wires can help you find a fraud faster. It can mean that more money is recovered for the company that did put protections in place such as fidelity bonds, crime insurance, data loss protection. About 86%, to Dave Hiller's point, 86% recovered something and about three-fourths actually recovered more than half of the funds. Those are some very important statistics that should be heeded and not ignored.
[David Hiller] I think we're starting to understand a little bit more about the seriousness of fraud. Let's take a quick look at where fraud comes from. When small business owners, experience fraud, 42% of the fraud came from check fraud, another 41% from credit cards, about 20% from web-based fraud. David, can you outline some of the major types of fraud?
[David Sawyer] The slide is very good. It would help us to kind of walk through the slide definitions on the website. Occupational fraud is employee theft - that's internal theft of business assets and resources. Phishing attacks, social engineering, and internet attacks often come from the outside. The phishing is emails coming from what appears to be a reputable business or company and it induces, it invites employees to reveal sensitive information, passwords, credit card numbers, bank account numbers, and it puts the business, your business, at risk for exposure to fraud and being a victim there.
Social engineering, that's psychological and manipulation that we see. It can also come in the form of social media and confidential information may be divulged through that means as well. Internet attack, that's a takeover or ransoming of websites. Data can be obtained via phishing, spyware, and malware. But what happens is they find a crack in the door, weakness in the system, the cyber thief or the cybercriminal and they get inside, they expand their privileges and they take out the company's vital information, not only the financial information but they may also take away the trade secrets as well, customer list, and so forth.
We might want to talk about the fact that small businesses experience fraud at about twice the rate of larger companies. And there are several reasons for this. First, small companies don't have enough people to implement the proper separation of duties. That's a primary internal control. It's separation of incompatible functions. Often there's a lot of trust in small organizations, they seem like family, but unfortunately with a lot of trust there may not be a lot of verifying to counterbalance that trust within the organization. Second, small businesses really don't have the resources to prevent fraud and white-collar crime or occupational abuse. The resources are not only in money, they can be in time to apply the fraud prevention techniques, policies, and procedures.
The simple truth is owners are more than likely busy selling their product or their service and providing the attention to the customers that they need, and they may very well not be putting enough energy and attention into fraud prevention, detection, and deterrence. Finally, it could just be a lack of expertise to build properties with checks and balances to protect your vital technology and data, let alone your financial information. I guess the bottom line and the takeaway from the discussion in this slide is that the fraudster, the white-collar criminal, may be willing to execute smaller crimes on a softer target than to try to penetrate the more robust security that's found at a larger firm. Don't think that being smaller necessarily protects you.
[David Hiller] Let's summarize the insights from this first section. Fraud happens, happens regularly, and it could damage and distract your business. Business owners don't understand the risks and often don't have adequate protection in place. Remember that it's the small businesses, not the larger ones, that are the biggest targets for many different fraud schemes simply because they're more vulnerable. You have to work harder to overcome the natural vulnerability to fraud that smaller businesses face. Now, let's turn to the five steps to protect your company from fraud.
As we move into these action steps, I want to emphasize these are fairly basic standard steps that don't take a lot of time and effort to implement. While every business owner naturally enjoy spending time generating revenue or delivering their product or service to clients, we strongly encourage you to set aside some time and resources to protect your business from fraud risk. We'll go through each one of these steps individually over the next several minutes, so let's get on to the first one.
Let's start with step one. Get inside the mind of the fraudster. Fraudsters are looking for vulnerabilities, finding new weaknesses, and inventing new schemes. Our four steps after this one will go a long way toward protecting you, but there's no substitute for taking a critical look at your business, the points of vulnerability, both internal and external. David, can you elaborate?
[David Sawyer] That's right. We're are going to work on teaching you about the weaknesses and how criminals think. I think that's one of the proactive steps that we can take in this exercise. They tell you a little bit about those who studies fraud, who investigates fraud. The forensic accountant, they handle not only fraud prevention and detection, but bankruptcy situations, valuation situations, even family law and computer forensics. The certified fraud examiner is focused specifically on investigating white collar crime and fraud, identifying fraud risk, and focused on prevention and detection, methods, and techniques. The financial crimes investigator helps companies uncover significant issues in white-collar crime and also assists with law enforcement. All of these could serve as an expert witness in litigation support and determining economic damages.
The forensic accountant, the financial crimes investigator, have to have knowledge in a lot of different areas from internal controls all the way to investigative techniques and psychology of the white-collar criminal as well. All of our work starts though, its foundational, as we look at the financial management of the company. Look at your balance sheet, your income statement, your statement of cash flows, to find the clues, if you will, on what's going on with your company or could be going wrong with your company. This information gets used in many different ways. As I mentioned before, much of our work deals with internal fraud. For example, we recently had a company that, there was abuse of the payroll system. Certain employees were inflating hours and pay rates.
There were some fictitious employees involved, ghost employees. And another fraud involved skimming of revenues coming into the company before they even reached the bank statement or the bank. Even another company that I can think of that comes to mind, there was abuse of credit cards, and there were items in there such as rent, utilities, clothing, food, and entertainment that were used for personal purposes, not for the purposes of the business. But those are some of the types of risk areas that you may be vulnerable to in your organization.
What is fraud? Let's boil it down to the definitions and the characteristics. It's often clandestine. It always violates trust. It usually provides a financial benefit for the perpetrator and most importantly for the context of our discussion today, it costs the victim company losses in assets, revenues, or reserves. And to even narrow our focus to internal fraud, for example, when working with a company in a lawsuit for a company that's involved in the construction industry, and one of the owners had been using company funds to finance the construction of his own personal residence, and this cost the company more than $700,000 at least over a period of about three years.
In addition to the negative impacts on company financial position, it also placed the company and the officers at risk for tax evasion because these expenses were run through their income statement. Now, there's a host of different external fraud schemes as well. There's plenty of examples that we can talk about such as Ransomware. Recently, the City of Atlanta, it's pretty close to home, was attacked by malware and had demands to pay $50,000 in Bitcoin. Now the city didn't pay that, but they did spend about $2.6 million in support, backup services, IT contractors, software vendors, extra customer support, in addition to PR. It won't take you long to find plenty of other examples in the past few years. And the list is long. TJ Maxx, Equifax, Home Depot, Anthem Health Insurance, and others. Those are just to name a few.
As we continue to profile the fraudster, the white-collar criminal, let's look at what we call the fraud triangle. This was developed by Donald Cressey in the early 1900s. And it has motive, opportunity, and rationalization. Now, motive is a perceived pressure that the fraudster may be experiencing. There's a laundry list of what might motivate someone to steal from a company. But when you put it down into basic categories, it's either need or greed. Rationalization is, the fraudster, in their mind, they somehow justified that it's okay for them to commit the fraud, like they deserve it, like the company owes it to them.
And in every single one of these cases, the fraudster has to weigh that the benefits of doing this are going to exceed the cost of doing it or the consequences of doing it. Opportunity is simply when internal controls break down within the system. What does the fraudster look like? They often look just like you and me really. As I looked down the list of these current projects that I'm working on right now, investigations that I'm working on, all of them involve some kind of internal fraud scheme, skimming of revenue, setting up false vendors, dummy employees, abusing credit cards. The fraudster, the white-collar criminal, could be the person sitting in the cube right next to you. More than likely, they're a long-term employee. He or she may be your top sales person. It could even be your business partner, as we've mentioned in a case example previously.
[David Hiller] Well, thank you David. That's a very, very interesting look into the mind of a fraudster. And I think understanding that will benefit all of us. Let's look at step number two, and that is to eliminate checks and "electronify" payments where possible. One of the biggest sources of fraud is checks, probably because it's so easy to execute. It could involve altered checks, setting up false vendors to move money out of the company, or simply stealing blank checks. David, can you tell us a little bit more about what you're seeing in check fraud?
[David Sawyer] Dave, the good news is that, we're seeing less and less check fraud from the check stock being stolen. But we have to bear in mind that often check fraud can come in the form of counterfeiting. You don't have to steal the check stock anymore because you can just recreate the checks including company logos, the account numbers, the routing numbers. You can do it with a laser printer in the comfort of your own home. You can get blank check stock at office supplies stores. We really see less of it because there's just fewer and fewer checks used because more electronic funds transfers are being used now. Companies have gotten smart and converted many of the payments to electronic transactions, where they're paying by card or via ACH.
There might be a high incidence of check fraud, but there are just fewer physical checks. Using a bank's online bill pay, delivers payment either via ACH or a check printed by the bank to the vendor, but even when a check is printed there are more safeguards since vendor setup and payment has more robust security around it and the amounts are printed and mailed directly from the bank with less opportunity for it to be altered.
Some companies are using what's called positive pay or reverse positive pay banking services. These allow you to better check to make sure that checks paid are the ones that you actually issued and also don't forget about payroll checks. Many companies have gone to direct deposit, and that dramatically reduces the fraud risk in the time for handling checks through their system. Direct deposit often makes payroll computation reporting and information access for both the company and the employee a whole lot less time consuming. As you're using more credit cards, procurement cards, for payment and taking advantage of setting limits on those and monitoring that reporting regularly, it sounds basic, but it is absolutely essential to preventing fraud in your organization.
[David Hiller] Before we transition to the next step, I'd like to touch on a couple of the services that David mentioned that are offered by most banks. Positive pay is a service where the business sends the bank a file of authorized checks, and then the bank matches incoming checks against the account number, check number, and dollar amount of each check to make sure they were authorized by the company. Reverse positive pay allows the business to review the previous day's check images or ACH payments, validate that they're accurate, and then reject anything that isn't. Online bill pay sends payments directly to vendors on your behalf. ACH is short for automated clearing house and it's an inexpensive way to send payments electronically.
Let's move to point number three, build fraud-resistance into your business. Looking at fraud sources, 37% of fraud is internal. However, most businesses haven't taken even simple steps to protect themselves. For example, 85% don't separate duties and key processes, 79% don't educate employees about fraud, and 50% don't do basic statement reviews and reconciliations. David, what do you see companies doing to build fraud resistance inside the company?
[David Sawyer] Dave, creating a company culture that prevents and watches for the signs of fraud is a huge lever in fraud protection. Let's take a closer look at the key steps. Let's start on step one, it starts by doing your homework in hiring employees, so you get the right kind of people in your organization. Taking time to do multi-state background checks and checking references pays off. Checking people's social media can even be helpful. And if you don't take the time to carefully assess an employee and that employee's background upfront, how can you be surprised with how they behave later?
Secondly, once the employees are onboard, teaching employees about fraud, giving them awareness about it, the red flags to look out for, how it can be prevented, what it looks like, how to detect it can train your employees to be the eyes and ears of protection in your organization. Employees can learn how to build fraud resistive processes and can consider fraud risk in everything they do, so that's not just on your shoulders and up to you in carrying out your job functions.
Finally, forensic audits, fraud risk assessments conducted to scrub an area for the signs of fraud and white-collar crime can also uncover issues before they, metastasize within your organization. I think those are some pretty good steps to get us started from start to finish. I can't mention separation of duties enough. This can be a challenge in small companies where you have fewer people to spread out the work. Think about separating these key functions within your organization. The access, who has access to your cash, inventory, and other assets. How about the approvals? Have you separated the approval for your transactions? Is there an accounting trail? How about analysis of your books and transactions?
Look back at what's involved in the audit or the review or the compilation and the basics of reconciliation within your normal business and accounting functions. Remember that monitoring your financial statements and detailed reports, looking for trends, and even performing simple account reconciliations can go a long way toward detecting any issues. Now the big companies can't always do this, but the advantage that an owner has in a small company is that in short order, you can review and monitor lots of detail, whether credit card transactions are matching the receipts or the check images.
Don't forget to look at purchase orders and invoices in the vendor processes for accounts payable. The funds that flow to them, to these vendors, are susceptible to fraud so look carefully at contract and bid packages. I just can't emphasize enough that fraud resistance ought to be proactive. The reactive approach once the horses have left the barn and the toothpaste gets out of the tube is a much more costly endeavor.
[David Hiller] Thank you, David. Those are some very, very practical steps that any business owner can take. Let's turn to action step number four, and that's related to data and computer security. 52% of fraud is cyber security fraud according to our research. Of that cyber fraud, 20% comes from web-based attacks, 18% from malware, which are programs designed to damage or disable your computer systems, and 14% from phishing or social engineering designed to fool you or your employees into revealing information or passwords or providing access to your systems. David, can you provide some additional thoughts on your work, based on your work with data security?
[David Sawyer] Dave, this whole cyber fraud, cybercrime phenomenon, it can really put a company's intellectual property at risk for theft. That can be one of the most costly issues. The theft of trade secrets is a big risk. Now, we're not talking about the secret formula for Coca-Cola, but in any business, it can be your customer list, it can be loss of competitive advantage. The way that the cybercriminal gets at a company is inserting Trojan horses, malware, and getting access to what we call PII, personally identifiable information, that your customers have provided and they expect you as a business owner in your company to store that information securely within your system.
Another area is when you're a subcontractor to a larger company, your large partners and business alliances have high expectations that your data security is matching theirs. You can't afford to lose a customer by being the weak link in the chain. You may recall also that the huge Target breach, a few years ago, came to access to security vulnerabilities in a small subcontractor to Target. Take the key steps. I can't say enough; I can't stress enough. That education of employees about avoiding phishing schemes and these data access tricks, social engineering. Don't click the link if it's an email from someone you don't recognize.
Fraudsters are notorious for pretending to be a software support company and getting password access. They also disguise themselves as banks. I've seen that before as well. Employee education is your main line of defense, set up firewalls, virus protections and encryptions, secure passwords, change passwords often can also be a great internal control. Also, any other security that your IT staff or consultants may recommend. It would be helpful. And if you don't have IT expertise, make sure you reach out to IT experts who can help you provide the tips to protect your company.
[David Hiller] Our first four action steps dealt with identifying and preventing fraud. Action step number five is how to control damage. Most business owners tell us they have lots of insurance, 76% of companies have had some type of theft claim in the past five years, and most general insurance doesn't cover fraud. Only 16% of business owners have data breach insurance. David, how should a business owner structure their business insurance specifically and what types of insurance do they need to deal with fraud?
[David Sawyer] Dave, to the business owners on the webinar, you really need special insurance types and riders to cover you from fraud losses. We're talking about fidelity bonds, data breach insurance, employee dishonesty insurance policies or crime insurance, those are all specifically designed to protect you from fraud. I've been working with a computer services company on an investigation who just experienced the misuse of a company credit card. And we identified about $60,000 in losses as a result of this fraud. Now, this company, unfortunately, didn't have theft insurance or a rider to reimburse them for this, the cost of this fraud loss and that's a huge loss, very sizeable substantial loss for a company in this size.
The basics of keeping your personal finances separated from your books of your business and the accounting records of your business is so vitally important and critical. If you have to quickly recover from a fraud event, you don't want to have to take your time in the middle of this recovery from fraud to separate out your business expenses from your personal expenses. Further, you don't want your personal fund at risk either from this fraud that affected your business or tied up when you may need them to support you when your business has already taken a hit and may not be producing the cash flow that you need.
[David Hiller] We've heard a lot of great information today and as we round out the webinar, let's quickly walk through some of the practical action steps that we've covered today. Reconcile accounts regularly.
[David Sawyer] Dave, I just can't emphasize this enough. When you think about it, it's really simple to do and it's just a very critical foundational fraud detection tool.
[David Hiller] Secure your blank checks.
[David Sawyer] That's also, not only from a physical security standpoint, it's good to keep logs and registers of the checks that have been issued and like we said before, reconcile those accounts regularly.
[David Hiller] That's right. Pay electronically.
[David Sawyer] Through the years, this has become easier and easier using online banking or links between your financial software and your bank. By doing this, you're going to reduce the volume of fraud-prone paper checks.
[David Hiller] Very easy step to take there. Secure your hardware and software. Select the right insurance for your business. Educate your employees about fraud.
[David Sawyer] If I can say something about that. The fraud resistant organization starts with you, the owner or the shareholder as the leader, and paying attention to fraud risk and asking the right questions, it sets the tone at the top and the culture towards fraud for your company.
[David Hiller] And, really related to that, research who you hire. Separate duties.
[David Sawyer] While this might be harder to do in a smaller company, knowing where your gaps are and where the separation of duties should occur allows you to use more active monitoring and reconciliations to cover your weaknesses.
[David Hiller] Conduct fraud audits.
[David Sawyer] If you're just doing a compilation of your financial statements right now, you might consider stepping up to a review which includes more analytical procedures, may not be a full blown audit, as CPAs define the term, but doing more forensic-style analysis that would identify red flags and just doing more detailed study and due diligence around sensitive information and/or your relationships with your clients or customers and as well as your vendors too.
[David Hiller] And finally, separate your business and personal finances. These are steps that every small business owner can take to mitigate fraud risk. As we move to the question and answer portion of today's webinar, I'd like to remind everyone that additional resources are available at the small business best practices site within suntrust.com, and in particular, there are more detailed action guides covering each of the steps to protect your business from fraud. Let's move to our question and answer session.
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[The Master of Taichi] Episode 16
..What a dramatic episode …
Vincent and Derek arrive at Shanghai and suddenly Myolie appears, running up to Vincent. She starts faking a story to come up with an excuse, saying that she suddenly remembered a bit of her past and she was scared that something was going to happen to him so she didn't think about anything else and ran to find him =__=
At the same time, Raymond appears and got confused (and perhaps Jealous) when he saw her with Vincent. Myolie seemed shocked that Raymond was there too.
Myolie: Why are you here?
Raymond: Why are you with Vincent("Mo Ma")? I have something to talk to you about. *Raymond takes Myolie to a bridge to have their talk*
Raymond: Why did you just leave to Shanghai without saying anything? And with "Mo Ma"?
Myolie: Before I lost my memories, I already met "Mo Ma".
Raymond: And so?
Myolie: Do you remember how every time I saw "Mo Ma", including when you two were competing last time, I would have this special feeling? Before, I couldn't describe this type of feeling, but every time I look at him..
Raymond: You love "Mo Ma"?
Myolie: He saved my life before, he's my Saviour.
Raymond: I saved you too!
Myolie: I know! I know that you not only saved me, you were also really nice to me. You cared for me a lot which is why I've been very grateful to you the whole time. But that feeling, it's different. The feeling Vincent gives me, is one that even though I've lost my memories, I don't even know who he is, the feeling is still there, do you understand?
Raymond: But to me you don't?
Myolie: I'm sorry, I really didn't want to hurt you. At first I thought that we could really be together, but after I saw him again, I know that the feelings between us isn't love.
Raymond: You're just talking to me about feelings? How do you know that your feelings aren't wrong? You only vaguely remember something, you only have a little relationship with him, doesn't mean you love him!
Myolie: I know who I love!
Raymond: You don't! You don't even know who you are! You're just temporarily attracted to him. Give me some time, I will let you know who you truly love.
Myolie: Just let it be, "Hiu Sing". I don't deserve you loving me so much. I've been lying to you the whole time. I know who I am, I know everything. I already previously remembered everything. I am "Yin Ji Kuai", not your cousin. I also remember the one I love is "Mo Ma"..I'm sorry, I've been hiding it from you the whole time because I wanted to forget my own past. I wanted to start a new life, but that thought is silly. I am myself, not matter how hard I try to forget everything, some things I just can't let go of. Before I met you, I already loved "Mo Ma". I loved him then, I love him now, and I always will love him.
Raymond: Don't say anymore..
Poor Raymond!!! T_T …
Myolie goes back to join Vincent and Derek and they have a meal together. Derek had lied to Vincent from the start about a Taichi Master in Shanghai, just to get him away from Melissa. He apologises to Vincent that it was his fault they couldn't contact the Taichi master and went on a trip for no reason. He gets Vincent and Myolie to drink with him, getting them both very drunk! Omg..Derek..how could you..argh!! Derek deliberately carried Vincent and Myolie onto the same bed to ruin Melissa and Vincent's relationship to force Melissa to leave him.
Raymond in depression and deep into thought. He suddenly gets up and runs off.
Half way, Vincent feels like throwing up so he gets up and stumbles his way out of the room where he collapses on the stairway. Just at that time, Raymond goes to find Myolie where he finds Myolie drunk on the bed.
Raymond: "See Kam..See Kam" *shakes her in hope to wake her up*
Myolie: "Mo Ma"..
Raymond: It's me.
Myolie mistakes Raymond as Vincent and gets up and hugs onto him.
Myolie: I know it's you. "Mo Ma", did you know, that the first time I met you, I knew that you were the one I was looking for. No matter how you treated me before, even if you never put me in as your first priority, even if you already have "Song Ching" (Melissa), no mater what, I only have you in my heart, and only you are the man I love the most. "Mo Ma" I really love you, I really love you…
Raymond was completely heartbroken and shattered T_T and then Myolie started kissing him… He couldn't control his feelings, even though he knew she had mistaken him for Vincent. The girl he loved forced herself onto him and he took advantage of her… *sigh* It's wrong of him but I just can't get myself to blame him though.
After sleeping with her, Raymond got up because he felt so guilty. As he leaves, Derek saw him and realised what had happened. He carried Vincent back onto the bed, so when Myolie woke up the next morning naked next to Vincent, she believed the man with her last night was Vincent..She gets up first and leaves so Vincent is left completely clueless.
The next morning at the breakfast table, Vincent acts like he normally does and Derek convinces her that its probably because Vincent is still unsure how to handle the situation.
Myolie goes back to Raymond's Sect and prepares to leave.
Raymond: You really have to leave?
Myolie: I think I've said it very clearly in Shanghai.
Raymond: Why are you wearing this set of clothing? You're dressed the same as when I first took you back from Shanghai.
Myolie: When I followed you to the Capital, I was wearing this set of clothing and only these clothes belong to me.
Raymond: So you're saying, everything that I've given you, whether it is clothes or other things, you won't take it away with you?
Myolie: Sorry "Hiu Sing", I owe you too much.
Raymond: I know, I know in your heart I'll never be better than "Mo Ma", but I never guessed that you wouldn't even leave a little place for me…You don't want these things I'll throw them away for you! *Raymond starts messing up the room and tossing things onto the floor*
Myolie: Don't be like this!
Raymond: We've got nothing to do with each other! Ok I'll help you throw away everything!!
Myolie: No! I-
Raymond: I know! You're only using me. When you have nothing you treat me as your Saviour, when you couldn't get the man you love, you used me as a substitute. And now that you found back the man you love, I'm like these things, you toss me aside! You yourself "Song Serng Moon"
Myolie slaps across Raymond's face.
Raymond: Go. Go to the place where you need to go.
As Myolie was walking away bare-footed out of the Sect, Fred (the servant) chases after her and hands over a pair of shoes that Raymond had asked him to. It was the first pair of shoes he bought for her in Shanghai when he saved her. Myolie holds onto the shoes and starts crying.
After Myolie tells Selena what has happened, Selena reveals that she was the one who actually wrote that letter to Raymond telling him that Myolie went to Shanghai. She knew Raymond would chase after Myolie, and thought that if Myolie knew, she would be moved by Raymond and realise who was the one who cared for her. When Myolie tells Selena that Vincent doesn't appear to take any responsibility, Selena decides to stick up for her and the two go find Vincent. When Vincent starts denying that it ever happened, Melissa slaps him across the face…
Later Vincent goes to find Derek in hope he can help prove himself innocent. However, Derek lies, saying he did spend the night with Myolie.
Myolie begs Melissa to leave Vincent.
Vincent: Where are you going?
Melissa: Myolie is inside.
Vincent: I'm not asking about Myolie. The one I'm asking about is you.
Melissa: Since Myolie is to stay, then of course I am the one to leave. *Melissa attempts to walk off*
Vincent: Melissa, don't leave.
Melissa: If I don't leave, what do you plan to do with Myolie? You're not planning to take responsibility?
*Vincent slowly looks away*
Melissa: We're both orphans. We both tried what it's like to be abandoned. You should understand Myolie's feelings now. You can't leave her and not care about her. Take good care of her.
As Melissa walks passed Vincent, he grabs onto her hands and Melissa starts to cry.
Melissa: Vincent let go of me. Wake up a bit…our "Yuen Fan" has come to an end. It's impossible.
Vincent: Melissa, we'll try to think of something.
Melissa: There is no other way! There isn't! If there was another way you think I really want to leave? I don't want to leave. There isn't…there's isn't..
Vincent: Melissa.. *hugs onto her*
Melissa backs off.
Melissa: Vincent, we can't be like this. ..you'll only make it more painful for me. *Melissa runs off and Vincent calls after her*
Melissa's father goes to find Melissa as she leaves, and asks her to go back home with him. Melissa finally accepts and recognises her father…aww...poor thing..I'm glad that she has somewhere to go now..
That night, all four of them couldn't sleep..
= = =
The dramatic things happened. When I saw the preview of this episode, I was so shocked because I thought Myolie actually slept with Vincent…there'll definitely be no turning point there. I thought Myolie would have got him drunk but turned out to be Derek. At least it was just a misunderstanding…Everything that has happened has been an obstacle between Melissa and Vincent but I hope they will overcome it, and prove that their love is strong and won't just fade away. What I hope now is that the truth will come out someday. It should come out, so I'm looking forward until that day will come…I just wish it would come sooner.. =(
13 Responses to "[The Master of Taichi] Episode 16"
woaaahh, what climax! I'm so glad Myolie didnt sleep with Vincent ^^;; Considering back in those days it's pretty much 'the end' for them if it actually happened cause he'll need to take responsibility. Only Derek and Raymond knows the truth! Hope it comes out =)
i loved this episode so much!! especially when vincent grabs melissa's hand =] it was just so sweet….pure love =] hehez xDDDD
This is a really dramatic episode but I hope that Vincent and Melissa will overcome their obstacles and Raymond and Myolie get together.
I really liked the scene with Raymond and Myolie at the bridge when Myolie confessed that she got her memories back, and she was lying to him all along. It was so sad when the camera shot to Raymond's face, and you could see his eyes being teary and all. It was so simple and subtle (because he wasn't all out crying), yet it was so heartbreaking because you could see how it was eating him up inside (well at least how I saw it lol). Then I realize how much I adore Raymond as an actor haha!
Also in that same scene, I think Myolie does care for Raymond as in more than friends, but she feels that she belongs with Vincent because they had some history (from her point of view)….like Mo Mah is some sort of Prince Charming to her so she wants to be with him and live that dream out. She was crying so much when she told Raymond! If she didn't have some feelings for him, then I don't she wouldn't have cried so much. So it was heartbreaking to watch her be so silly and lying to herself, thinking Mo Mah is 'the one' for her even though she has fallen for Ray too. Sigh…there's always something appealing about the one that you can't be with versus the one you already have.
The bed scene plot with Myolie and Raymond was definitely different from most TVB sex scenes, so I thought it was interesting, but it seems like it was controversial with some viewers because people arguing that it was rape and others saying not, etc.
Anyway, this was a good episode. Thanks for the recap!
This espisode was really sad.. I could also feel ray's feeling during the bridge scene.. That scene was touching and it hurt ray a lot. Myolie did cried a lot when she was telling him the truth and was upset when she left him at the end.. The bed scene was different and after what ray did to myolie he felt guilty…. well we can't really blame Ray for doing that cause he probably done that was to keep Myolie by his side….. I hope that Myolie knows what really happen that night and who actually slept with her..hope the truth would come out and it should be Ray telling her the truth….. Myolie was kinda silly thinking that the guy she truly love is Mo Ma but we all can really tell that she truly love Ray. For what Ray had done was a bad thing but I don't think we can really blame him.. Ray was probably upset and what Myolie to be with him…
OMG!! I'm having heart attack! this is my frst post since I just found out about this website! GAAAAAHH! I just finished watching eppy 16!! My goodness what a BIGGG mess! I tell you honestly, i dont like Melissa – i mean her character's fine but she's ug…nevermind me i think i'm just purely super jealous to everyone who gets near to Vincent XP. But really, Derek is the devil..my god, i wanted him to be a good guy! Stupid Chai Wai! DIE YOU! I mean it's irritating that we all know what happened – that NOTHING happened between Vincent and Myolie, but Vincent have to face the shame too and yea..heartbroken..a little *roll eyes*. But *sigh*, i really pity Raymond…if i were in the streets of Shanghai that night, i'd go and be his fairgodmother Haha! Or anything! I feel really hurt and sorry for him! Now Myolie is being such a spoilrotten brat – who wants everything! But i cant blame her too…Mo Ma is so freakign manly and hot and how he saved her…whew..anyone with amnaesia can remember THAT! XD
BUT RAY DESERVES TO BE HAPPY SO I PURPOSE MYOLIE TO BEG FORGIVENESS AND THEY ARE TOGETHER AGAIN! But Melissa go away so… Mo Ma will ONLY be with his Martial Arts! (or with me) MUAHAHHAHA!
OMG!!!!!!!!!! I loved this episode, it was the best by far that I've watched. I especially loved the end of this episode when it showed that all 4 of them could not sleep!


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Are you bored of your flooring? Tired of thinking ideas how you can redesign the floor? You want something new for your office space? Do you want new interiors before the festive season starts? Is your house demanding a renovation? If answer to any of these questions is yes, then the best solution is go to for floor redesigning for your home or commercial place.
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But, what flooring is the best for you? The idea is to invest in something that is futuristic as well as inexpensive. Keeping these two considerations in mind the hardwood floor refinishing is the best choice for you. Yes, the hardwood flooring is the trendiest flooring idea nowadays and it is likely to stay for decades from now. So, investing in to this would be a lucrative investment as you won't get outdated easily.
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So, if you need to refinish your floor or you want to install new flooring, then you can simply hire this company for all types of flooring needs. From installation to janitorial maintenance, from polishing to commercial cleaning, they offer all types of services at highly competitive prices without making any compromise with the quality of it. Regardless to the type of flooring you may choose whether epoxy, tiles, granite, marble, laminate, bamboo or hardwood, the company Floorgem can easily install or refinish any of them to make your home or commercial area look absolutely fantastic.


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Adopt-A-Thon Caturday with Wag!
Life is better with a feline companion (or two!). Join us this Caturday at Wag on the Danforth for a fun-filled adoption event! Saturday, September 29th from 10am – 4pm. ***Special Adoption Fees: Our adoption fee at the event only is $100 (vs. the standard $175 adoption fee) for cats and kittens over 8 months of age, and $175 for kittens under 8 months of age – payable by cash only. Our fee includes: spay or neuter, vaccination (receive a rabies vaccination, if age appropriate) and includes 6 weeks of free pet insurance. For City of Toronto… Read More
Adopt-A-Thon Weekend with PetSmart!
Adopt-a-thons are a great way to meet lots of cats and kittens outside of their foster homes. Meet and adopt your forever buddy from one of our FIVE adopt-a-thons taking place with PetSmart this weekend!! Adorable cats and kittens will be in-store waiting to meet you! Saturday to Sunday, July 15th: PetSmart North York: 5059 Yonge Street / 416-223-9103 / Saturday 10am – 9pm / Sunday 11am – 4pm PetSmart Toronto: 835 Eglinton Avenue East / 416-696-0388 *Saturday 10am – 5pm only PetSmart Stockyards, Toronto: 75 Gunns Road, Unit 103 / 416-763-6064Saturday 10am – 5pm only PetSmart Scarborough: 12… Read More
Adopt-A-Thon Caturday with Pet Cuisine!
Lots of adorable cats will be waiting to meet you at our Pet Cuisine & Accessories Adopt-A-Thon on Saturday, June 16th from 9am to 6pm. Please pop in to meet our lovely felines who are in need of families – it is a great way to meet may cats at one time. The cats promise to bring loads of love and laughter into your life! Adopt, adopt, adopt! ***Special Adoption Fees: Our adoption fee at the event only is $100 (vs. the standard $175 adoption fee) for cats and kittens over 8 months of… Read More


text: Monday morning quarterback – to harshly analyze something after it has taken placed. Inspired by the meeting the coach has with an NFL quarterback after the game the day before where they closely analyze video footage and critique the quarterback's every move. "Our boss scheduled a quick 10-minute follow-up meeting which I'm sure he'll MONDAY MORNING QUARTERBACK us to death."


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Tip: Come back to this page to copy the coupon code, and then paste it on the store's payment page
Get free shipping on all orders over $49 at 4moms. No coupon code required. Limited to the continental U.S. only.Expires Feb 29 37 Redemptions Details »
Take $20 off your order of $199 or more when you sign up for 4moms emails. New customers only.Expires Feb 29 31 Redemptions Details »


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Workshop on Flooding
The European Flood Workshop was held in Victoria, UK, in January 2014. The workshop was organised in the framework of Work Package 5 – Adaptation Tools to prevent the health effects of flooding, coordinated by the Extreme Events and Health Protection teamof Public Health England.
The aim of this work package is to develop actions to promote resilience and reduce health risks associated with flooding, based on work carried out by the WHO Regional Office for Europeand other international networks.
The aim of the workshop was to raise awareness of the health risks of flooding and to contribute to the discussion on the reduction of future impacts by improving flood preparedness and response. The event brought together PHASE partners, national and European colleagues, key experts and stakeholder organisations, and created an opportunity to exchange experiences of flooding across and promote the sharing of good practice.


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Young Isla is a ten-year-old talented horse rider. She has a mother who is supportive of her horse riding and encourages her to compete and do as well as she possibly can. Isla has achieved much on her trusty mare Dusty but the level at which she is aiming to compete is too high for the older pony to consistently compete at. Because of this, her mother has purchased a piebald mount for her named Diablo. He is the focus pony in Isla Picks Herself Up.
Diablo is an incredible jumper and he is taller, able to competently jump the heights Isla is competing in. He is also a very forward pony and a more challenging mount than Dusty. Isla finds herself a little anxious when riding her ambitious pony. This is further aggravated when she has a fall and breaks her arm.
Isla Picks Herself Up explores how a young rider is able to overcome her fear of falling. Isla needs to have the confidence not only to ride her new pony, but also to compete on him. If she can't effectively jump him then her mother's investment in Diablo would have been wasted.
This story for the younger reader is a quick and easy read. It is set in Wales and explores some aspects of horse care that help to educate readers. Unfortunately the images that should be in the kindle version don't all show up! There are little red crosses indicating broken graphics for three out of the four images. The last one is a lovely illustration. I am sure these would have added to the story, if they had worked.
Author – Susan Stark
Fiction – children
In my library – Indeed it is as a Kindle version!
Want it? Get it now on Amazon.


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Yossi is Crafting, Lecturing
Acting Co-leader of GDG Beersheba.
As a Glass Explorer - Yossi uses both GDK and Mirror API for new Ventures ahead...
Presentations by Yossi Elkrief:
DevconTLV January Conference, Thursday, January 30, 2014, 16:00
The Google Mirror API allows you to build web-based services, called Glassware, that interact with Google Glass. It provides this functionality over a cloud-based API and does not require running code on Glass.


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Rockwell Aerospace: manufacturer of airplane and space vehicles. Rockwell operated in Downey, California for seventy years (1929-1999) and produced systems for the Apollo Project as well as the space shuttle. Quarter-scale model of space shuttle (tools with cobwebs) MODEL RELEASED 1986.
- Filename
- USA_SCI_NASA_06_xs.jpg
- Copyright
- ©Peter Menzel, www.menzelphoto.com
- Image Size
- 1024x686 / 280.8KB
- Contained in galleries


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as as the next man
Also found in: Dictionary, Thesaurus, Medical, Legal, Encyclopedia.
as (something) as the next man/woman/person
As much of the adjective stated between "as" and "as" as anyone else or the average person. Of course I can solve this math problem—I'm just as smart as the next man. Look, I'm as adventurous as the next person, but there's no way I would ever cross that rickety rope bridge.
as — as the next manas — as the average person.
1998 Tom Clancy Rainbow Six I like red meat as much as the next man.


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We have the 7 worst areas for melanoma
THE seven worst melanoma hot spots in the state are on the Northern Rivers.
In data mapping just released by the Cancer Institute NSW it was revealed the Northern NSW Local Health District had the highest rate in the state of melanoma cases per 100,000 people.
Seven Local Government Areas within the district were also at the top the list of the worst rates in the state.
Byron Bay Local Government Area had the highest rates of skin cancer in NSW, followed by Ballina, Richmond Valley, Lismore, Kyogle, Clarence Valley and Tweed.
. Byron: 45 people diagnosed with melanoma each year and 3 people die of the disease.
. Ballina: 60 people diagnosed with melanoma each year and 5 people die of the disease.
. Richmond Valley: 30 people diagnosed with melanoma each year and 2 people die of the disease.
. Lismore: 50 people diagnosed with melanoma each year and 5 people die of the disease.
. Kyogle: 12 people diagnosed with melanoma each year. (deaths can't be provided due to size of community).
. Clarence Valley: 70 people diagnosed with melanoma each year and 5 people die of the disease.
. Tweed: 115 people diagnosed with melanoma each year and 10 people die of the disease.
* Cancer Institute rankings were based on rates (cases per 100,000) so the actual number of cases may fluctuate based on the population size of the area.
The figures from the Cancer Institute NSW, along with data mapping areas of NSW with the highest rates of melanoma, were released as the second state-wide skin cancer prevention strategy was launched.
Professor David Currow, Chief Cancer Officer and CEO of the Cancer Institute NSW, said at the launch: "Next year alone 4900 people in NSW will be told they have melanoma. By 2021 this figure will increase to approximately 6000 people and will continue to grow - but we can take action. We know that 95 per cent of melanomas can be prevented by protecting the skin from harmful UV. For non-melanoma skin cancers this rises to 99 per cent.
"Our message for people in NSW is to take action to protect your skin, it could save your life. When the UV is high, whether it is sunny or overcast, seek shade, apply broad spectrum, SPF 30-plus sunscreen every two hours and wear a hat, sunglasses and protective clothing."
The NSW Skin Cancer Prevention Strategy sees government and non-government organisations across the state collaborating to change the future of skin cancer in NSW.
Professor Currow said, "This strategy is a collaborative effort and will see us work with groups like Safe Work NSW, the NSW Ministry of Health, NSW Department of Education, the NSW Office of Sport, Cancer Council NSW, Melanoma Institute Australia and others to implement policies, campaigns and infrastructure to protect the community from harmful UV".
Melanoma survivor and teacher Veronica Manock says that getting the message out to people at risk is vital.
"Young people don't realise that melanoma is something can happen to them, but I was only 20 when I was first diagnosed. Now, I make sure the students I teach know how easy it is to protect themselves when out and about and that simple actions can prevent more damage from UV rays.
"Preventing melanoma and other skin cancers is something everyone can do and something we are each responsible for. It's great to see such an important message spread through this strategy and I believe that together, we can all be a part of the change in the future of skin cancer."
The NSW Skin Cancer Prevention Strategy focuses on groups most at risk of UV exposure such as kids, adolescents and men over 40, as well as settings where people are most exposed to the sun, like schools, outdoor work sites and leisure areas like pools, parks and beaches.
You can find the NSW Skin Cancer Prevention Strategy at https://www.cancerinstitute.org.au.


text: First time performing! July 10, 2018 J-Izzy View this post on Instagram I'm Dream'n but thats alright I'm scheming behind these eyes! First time performing! Shit was hype!!! A post shared by J-Izzy (@j_izzy412) on Jul 8, 2018 at 11:30pm PDT Share this:TweetShare on TumblrEmailLike this:Like Loading... Related Published by J-Izzy Pittsburgh rapper just trying to make it in this rap game. View all posts by J-Izzy


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Here I come again with another story of how I remove clutter, junk, save the world, be a mom, renovate some stuff, and give stuff a fresh start. Speaking of a fresh start, I do believe that there are some things that cannot be given a second chance. They are simply past that. For example, some of my girls' stuff in the garage. But then, there are some others that could do.
This is when I decide to repurpose, and I know I have shared some tips on reusing some stuff that you probably took for dead. When my daughters were younger, I remember taking huge delight in buying them toys. Some of these toys got really exploited to the point of seeing crippled dolls using a house-made crutch.
But other toys did not have much success. It was like the little girls got excited about them for a day or two, but then it was thrown into the pit of oblivion. By "pit of oblivion" I mean our backyard.
So, It Began
So I decided to do some spring cleaning, in November! Now, I wished I could come up with a really good reason of why I decided to do this during this time of the year. But it was just this sort of epiphany I had when I saw this clutter of doll limbs inside a bucket.
I gathered my daughters and we started the digging and cleaning. I do not need to explain to you the feeling you get when you are removing stuff from your backyard. There was this beautiful frame that was chipped on a corner only and the glass shattered. "Let's save this one, all I need is to buy a new glass and I can live with the missing corner, right?"
"Stop, mom", I heard my daughter say. There went the once glorious picture frame. We were not having it. This spring cleaning was going to be exhaustive and complete.
The Swings
We kept finding some stuff that we had to decide if to throw them to the garbage pile or keep them to sell them. We honestly did not find many things to sell. I usually have this feeling that if it is useless to me, there is no way it can be useful to anyone. Yes, I have been proven the opposite several times, so I guess I am just stubborn that way.
But there was no way I was putting a chipped photo frame with a broken and stained glass in a garage sale, I tell you that! Anyways, we moved to the yard, where we had a set of swings for kids. I came to realize that my daughters are not the little girls they once were. They tried the swings again and it was not happening.
But even I wanted to use the swings myself! Because deep inside, we are still children and there is nothing wrong with wanting to swing like little kids, on a swing. I upgraded the old swings for swing sets for older kids.
They look fantastic now. I love the feeling of excitement they bring to the backyard.
To Throw or Not To Throw
That was the question at some point. But this was cleaning and I decided. It all goes down. Except for the swings and some little features that we used to decorate the yard a little more, everything went to waste.
Ah, it feels great to have all the clutter cleaned up and to see how tidy they backyard looks like. We even installed a small tent with some tables to celebrate our Christmas dinner. It was fantastic!


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LIS Blue Plan progresses, Old Saybrook meeting this Thurs.
GREENWICH — The Connecticut Department of Energy and Environmental Protection is almost done with a key part of what will eventually be the Long Island Sound Blue Plan — a state initiative to inventory the Sound's resources and how they are used for the purpose guiding future use.
DEEP Commissioner Rob Klee has said the mapping and data collection portion of the plan is nearing an end, and maps showing ecological and human uses are in the works.
Sound users and other interested residents can give input and learn more at http://bit.ly/2nxy1gg.
A big part of developing the plan, officials have said, is ensuring that stakeholders who care about the Long Island Sound are involved in the process. The next public Blue Plan Advisory Committee meeting is scheduled from 10 a.m. to 12 p.m. Thursday at the Acton Public Library, 60 Old Boston Post Road, Old Saybrook, in the Grady Thomas Program room.
State officials have said at previous meetings they want to protect the Sound from future projects that could damage it.
David Blatt, a DEEP official, said earlier this year that the plan can keep projects like the Broadwater Liquified Natural Gas pipeline, proposed in 2008, out of the Sound.
"Now is a good time to get its act together," Blatt said, "to get prepared for new uses coming that could conflict with existing resources."
Email Jennifer Turiano at email@example.com and follow her on Twitter: @jturianoGT and Instagram: @greenwichgreen.


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Denver Coffee: Get experimenting with Pigtrain Coffee
We're documenting our hunt for the best latte art in the Denver coffee scene, as well as expert tips on how to do coffee better.
Location: Pigtrain Coffee, 1701 Wynkoop St., Denver (inside Union Station)
Barista: Shaun Rice, assistant general manager
Pro tip: Experiment with different varieties and roasts of coffee, Rice said.
"Make sure the coffee you have fits what you're looking for — some people want a dark roast, some people want a medium roast, some people want a light roast," Rice said. "It's kind of fun to experiment — buy different coffees that you may not think you might like, but when you try them, you might find a nuance or a little subtle taste that you might really enjoy. It might turn you onto something different — if you're a dark roast coffee, you might drink something in a medium roast that you really enjoy.
"It's that experiment you can do yourself — finding that coffee that pairs with your morning routine, your personality, how awake you need to be, what you need to do that day," Rice said. "It's a whole different way of making a cup of coffee, rather than just putting grounds in a pot."
"Find one roaster in town, buy two of their coffees and try them out for a week," Rice said. "See what you like about them, see what you don't like about them and then take that into that barista who works at that shop. They'll be able to pair your coffee up with your personality and needs — it' a big part of our job, to make good coffee but also to make sure that person is getting that cup of coffee they want."


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According to the Chinese animal astrology, called Chinese zodiac, the year 2011 is the year of the rabbit. I have received an old japanese magazine from 1987, filled with rabbit sketches, pictures and illustrations, dedicated to the year of the rabbit in 1987. The different ways of handling with the rabbit theme have inspired me a lot and that is why I want to share some pictures of the book with you.
Thanks to Kurt for sharing the magazine with me!


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14 days free access to the Urdu version of the e-EDITIONTake advantage of the 14-day trial period, to become familiar with the advantages of the e-Edition.
The e-Edition is available in additional languages:
Free complimentary access to the e-Edition for teachers of Arabic. Get in touch with us!
500 PKR any additional year after 24 months access to the e-Edition in Urdu


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The June 18, 1988 Edition of WWF Superstars of Wrestling is a Professional wrestling television show of World Wrestling Federation, which took place on June 1, 1988 at the Oakland Coliseum in Oakland, California.
- Numbers in parentheses indicate the length of the match.
- (c) refers to the champion(s) heading into the match.
- Dark match: Brady Boone defeated Steve Lombardi (9:06)
- Dark match: The Honky Tonk Man (c) defeated Brutus Beefcake to retain the WWF Intercontinental Championship
- Dark match: Bam Bam Bigelow defeated The One Man Gang by Count Out (4:00)
- Dark match: The Big Bossman defeated Frankie Valdez (2:26)
- Dark match: Andre The Giant & Rick Rude defeated Jake Roberts & Jim Duggan (8:30)
- Dark match: Demolition (Ax & Smash) (c) defeated Strike Force (Rick Martel & Tito Santana) by Count Out to retain the WWF Tag Team Championship (8:16)
- Dark match: Brutus Beefcake defeated Mark Ming
- Dark match: Ken Patera defeated Steve Lombardi
- The British Bulldogs (Davey Boy Smith & The Dynamite Kid) defeated Barry Horowitz & Terry Gibbs (2:49)
- The Big Boss Man (w/ Slick) defeated Louie Spicolli (1:31)
- Bret Hart defeated Jerry Allen (3:15)
- Bam Bam Bigelow (w/ Sir Oliver Humperdink) defeated Tom Stone (1:46)
- Greg Valentine (w/ Jimmy Hart) defeated Riki Ataki (1:57)
- The Rockers (Marty Jannetty & Shawn Michaels) defeated Iron Mike Sharpe & The Intruder (3:09)
External links
Community content is available under CC-BY-SA unless otherwise noted.


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Top Product Reviews
Birkenstock Arizona Birko-Flor Women's Sandals
November 30, 2018
Box was tore up when shoes were delivered but other than that shoes are perfect. I accidentally ordered two pairs and can't return them but that's the only disappointment
Muk Luks Women's EVA Wedges
June 21, 2019
Loved the way the shoe fit, perfect sizing. Seemed very good quality.
Birkenstock Women's Gizeh Birko-Flor Sandal in Medium and Narrow Width
May 19, 2019
The real deal! Seems like Birks never change price so finding them $10 off was a good deal.


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Kay Gregg A.K.A Eyeball Graphics
May 13, 2014
I am very excited to announce Kay Gregg's upcoming exhibit at the Fort Wayne Museum of Art in October 2014. "Beautiful & Obsolete: The Post-functional Object" is Kay's first solo exhibit and I am very glad to be curating it. I will be doing a studio visit shortly and very happy that this contemporary artists is from Fort Wayne. Here is a taste of what we have to look forward to seeing:
One Comment leave one →
Taber permalinkMay 13, 2014 11:32 pm
Awesome job Kay, those look a amazing 🙂


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It is pretty compelling to hear that the Chevrolet is going to release the next gen of Silverado 1500 as 2018 year model. According to the latest rumors, the upcoming 2018 Silverado 1500 will be coming up with completely renewed styling distinct to its antecedents. Unfortunately, there still remains so limited information revealing the details on the upgrades and changes for the impressive Silverado 1500. However, we might be able to notice some enhancements and betterments based on rumors.
2018 Silverado 1500 New Concept
Any information illustrated in this article is not more than just a speculation. If we pay attention to the 2017 Silverado 1500 platform, it is most likely that the new Silverado pickup truck will have a modern and elegant appearance. Some future improvements might be enhanced to the steering control as the company responses to the customer complaints for holding and handling the truck. For further updates, we cannot decide it more specifically right now. Shifting to the interior, there will be not so different cabin than its former. The auto designer will keep maintaining the truck's captivating internal look. Current predictions state that the manufacturer will be ready to equip the 2018 Silverado 1500 with several installments to offer the passengers a full comfort, high-tech components and also security system.
New Drivetrain
Similar to the new concept, we are still going to look back to the 2017 Silverado 1500 to predict the possible engine for the forth 1500 pickup truck. For this 2017 pickup truck year model, the auto designer has prepared a 5.8 liter V8 engine capable to deliver the amount of power at around 397 horsepower. Above all, there is still open possibility that manufacturer will engage other powertrains for the 2018 Silverado 1500. One for sure, the upcoming pickup truck will boost the performance with a better MPG.
2018 Silverado 1500 Release Date and Price
For anyone who are curious about the coming and value of the car should be more patient to see the further confirmation from the Chevrolet. Due to the 2018 Silverado 1500 is still crafted as the future concept, so we cannot provide you satisfying details for the stunning pickup truck. Just stay tuned for the updates.
Silverado 1500 Gallery


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Do you're keen on travelling? Would not it be fantastic to get paid to journey? I feel that is the dream for many, who want to unshackle themselves from a 9-5 job and go and see the world. You can virtually image your self sitting on a white sandy seashore, cocktail in hand with the sun glinting on the turquoise water. If it simply appears like a far-fetched daydream, it does not need to be. I would like to share with you 25 firms which pay individuals to jot down about their travels. A few of these are travel firms, and others are magazines or on-line publications which have a travel part and purchase from freelance writers. I bought to see an unsung, yet an exquisite place like Kushinagar after I visited my relatives in Gorakhpur. Initially, I wasn't very eager on Gorakhpur, but I was curious to go to Kushinagar. It is a town 50 km from Gorakhpur, so we planned a fast jaunt by street and it was an important experience. I did not know there was a city, which is so underrated, has immense architectural magnificence and rustic charms.
Attempt a Tush Cush or a Automotive Cush for touring by aircraft or automobile. The Tush-Cush orthopedic seat cushion is scientifically designed to alleviate and forestall again pain, numb buttocks and different discomforts related to sitting. The distinctive cutout section of the cushion suspends the tailbone providing comfort and relief to areas sensitive to sitting. The wedge form tilts the pelvis ahead to revive the backbone's natural lumbar curve. It is recommended by docs and physical therapists throughout the nation.
Keep in mind, it isn't the bus, the practice or the automotive you are afraid of. It's the way in which you're feeling contained in the transport that you're fearful of; that and the feeling of there being no escape. It's the traditional concern of concern syndrome. Trivia: In the event you revisit Luca after Operation Mi'ihen, it's below martial law. Individuals blame the Crusaders for abandoning Luca throughout the match, and praise the warrior monks who change them in protecting the city. Very intelligent, Kinoc.
Another of the town's well-known websites is the Ponte Vecchio (the Old Bridge). The bridge was the one one which was not destroyed during the World War II, apparently as a result of Hitler himself said it was too beautiful to be destroyed". Today it's a place where the very best Florentine jewellers sell their work. Although anytime is a superb time to cease on the bridge, dawn or sunsets are beneficial.
I spent five weeks in Israel, four of which have been on an archaeology dig (you possibly can read about that in my article on archaeology ). I had an unimaginable time and definitely discovered so much about the tradition and history. This was also my first time leaving North America, so I picked up many beneficial ideas alongside the best way that I hope to share with you.


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by Cory Hopkins | December 2018
by Lacy Hodges & Cory Hopkins | December 2018
by Ruthie Yow | December 2018
by Shelley Wunder-Smith & Cory Hopkins | December 2018
New to OUE: David Eady
"Hope you and everyone at CAS is doing great!
New to OUE: James Barricelli
Mr. James Barricelli is the new Director for Employer Relations in the Center for Career Discovery and Development (C2D2). James began his role on November 1, 2018.
Photo (above): Students take part in a prototype design event hosted by the Center for Academic Enrichment.
Final report outlines recommendations to promote student success.
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