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Riverbed Technology debuts Riverbed Granite remote storage appliance
Riverbed Technology introduces Riverbed Granite, a new iSCSI appliance for remote storage performance, and splits Steelhead into CX and EX storage models.
Riverbed Technology today expanded its remote storage capabilities with the introduction of the block-based Riverbed Granite appliance and a new Steelhead model that can work together to consolidate remote office servers, storage and applications.
Riverbed split its wide-area network (WAN) acceleration Steelhead product into two new models, the Steelhead CX and EX. The CX is targeted at customers who want pure WAN optimization, while the EX appliance works in tandem with Riverbed Granite to consolidate branch servers and local storage into the data center.
The Granite appliance is the central piece of what Riverbed is calling its edge virtual server infrastructure (Edge-VSI). The Edge-VSI architecture focuses on reducing the number of servers with local storage in branch offices and eliminating backups on the edge. Riverbed compares VSI to virtual desktop infrastructure (VDI), but for servers instead of desktops.
Granite is an iSCSI-based appliance sold either as hardware or a virtual appliance. The hardware appliance has up to 4 TBs of single-level cell (SLC) solid-state storage. Customers would need a Granite Core device in the data center and another Granite device in remote offices -- either as a standalone product or as a software module on a Steelhead EX.
The Granite appliance accelerates block-level performance across the WAN. It presents itself as an iSCSI target to applications, and uses predictive algorithms to determine what blocks to deliver to the remote office from the data center in a non-sequential order.
Riverbed Granite is best suited for write-intensive applications with workloads that have low data redundancy, and custom applications that use uncommon protocols such as applications that use Advanced Function Printing (AFP) to convert Apple traffic to Windows.
"It uses predictive algorithms to read the contents of the blocks and makes an intelligent guess of what to pre-fetch," said John Martin, Riverbed's vice president of product management.
Granite currently supports Dell EqualLogic, EMC and NetApp storage arrays, and Riverbed plans to add support for more arrays.
The Steelhead EX and CX devices both use the Riverbed Optimization System (RiOS). EX boxes contain more memory and storage than CX appliances, and Riverbed's Virtual Services Platform (VSP) -- previously known as Riverbed Services Platform (RSP) -- runs on EX but not on CX. VSP lets customers run services such as printing, domain name system (DNS), Dynamic Host Configuration Protocol (DHCP) and file services at local offices without physical servers.
Riverbed customer GeoEngineers Inc., based in Seattle, plans to eliminate a file server in its Redmond, Wash., branch office after completing its testing phase of the new Granite and Steelhead EX. The Granite Core appliance is mounted in front of a Dell EqualLogic storage array in the main data center in Lynnwood, Wash., and sends block-based data via a Microsoft iSCSI initiator over the WAN to the Redmond branch office.
"We configured a virtual machine on the Steelhead EX and through the Granite appliance created a LUN on our EqualLogic array," said Mitchel Weinberger, information technology manager at GeoEngineers. "We just create shares and to the user it appears they're accessing the data from a file server in the branch office. In our testing, the performance is the same as if there's a file server in the office. We're actually accelerating iSCSI over the WAN."
GeoEngineers plans to decommission the file server so that backups will be eliminated from the branch office and done in the data center instead. "Now I don't have to back up across the WAN," Weinberger said.


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Related provisions for COBS 20.1A.1
1 - 8 of 8 items.
2(1) With-profits business, by virtue of its nature and the extent of discretion applied by firms in its operation, involves numerous potential conflicts of interest that might give rise to the unfair treatment of policyholders. Potential conflicts of interest may arise between shareholders and with-profits policyholders, between with-profits policyholders and non-profit policyholders within the same fund, between with-profits policyholders and the members of mutually-owned firms,
2A firm must take reasonable care to ensure that all aspects of its operating practice are fair to the interests of its with-profits policyholders and do not lead to an undisclosed, or otherwise unfair, benefit to shareholders or to other persons with an interest in the with-profits fund.
2When considering the provisions in this chapter a firm will need to ensure that, if applicable, it complies with the with-profits governance requirements in COBS 20.5.
A firm must have good reason to believe that its pay-outs on individual with-profits policies are fair.
In this section, maturity payments include payments made when a with-profits policy provides for a minimum guaranteed amount to be paid.
(1) Unless a firm cannot reasonably compare a maturity payment with a calculated asset share, it must:(a) set a target range for the maturity payments that it will make on:(i) all of its with-profits policies; or(ii) each group of its with-profits policies;(b) ensure that each target range:(i) is expressed as a percentage of unsmoothed asset share; and(ii) includes 100% of unsmoothed asset share; and(c) manage its with-profits business, and the business of each with-profit fund,
Notwithstanding that a firm must aim to make maturity payments that fall within the relevant target range, a firm may make a maturity payment that falls outside the target range if it has a good reason to believe that at least 90% of maturity payments on with-profits policies in that group have fallen, or will fall, within the relevant target range.
If it is not fair or reasonable to calculate or assess a maturity payment using the prescribed asset share methodology, a firm may use another methodology to set bonus rates, if that methodology properly reflects its representations to with-profits policyholders and it applies that methodology consistently.
If a firm calculates maturity payments using the prescribed asset share methodology, it must manage its with-profits business, and each with-profits fund, with the longer term aim that it will make aggregate maturity payments of 100% of unsmoothed asset share.
A firm may use its own methodology to calculate surrender payments, but it should have good reason to believe that its methodology produces a result which, in aggregate across all similar policies, is not less than the result of the prescribed asset share methodology. A firm might, for example, test the surrender payments on a suitable range of specimen with-profits policies.
If a firm calculates surrender payments using the prescribed asset share methodology, it must first calculate what the surrender payment would be if it was a maturity payment calculated by that methodology.
Amounts that might be deducted include:(1) the firm's unrecovered costs, including any financing costs incurred in effecting or carrying out the surrendered with-profits policy to the date of surrender, including the costs that might have been recovered if the policy had remained in force;(2) costs that would fall on the with-profits fund, if the surrender value is calculated by reference to an assumed market value of assets which exceeds the true market value of those assets;(3)
The provisions dealing with the calculation of surrender payments (COBS 20.2.11 G to COBS 20.2.12 R) do not prevent a firm from setting a target range for surrender payments where the top-end of the range is lower than the top-end of the relevant range for maturity payments.
A firm must not, in so far as is reasonably practicable,2 make a market value reduction to the face value of the units of an accumulating with-profits policy unless:(1) the market value of the with-profits assets in the relevant with-profits fund is, or is expected to be, less than the assumed value of the assets on which the face value of the units of the policy has been based; and222(2) the market value reduction is no greater than is necessary to reflect the impact of the difference
2If a firm is able to satisfy COBS 20.2.16R (1), then the volume of surrenders, transfers, or other exits from the with-profits fund that there has been, or is expected to be, is a factor that a firm may take into account when it is considering whether to make a market value reduction, and if so, its amount, subject to the limit in COBS 20.2.16R (2).
5References to distributions in COBS 20 includes distributions of distributable profits arising, namely any permanent addition to policy benefits made at the firm's discretion based on the investment or other experience in the fund or more generally. Distributions include those relating to expected payments for which allowance has been made in the technical provisions or to a firm's other liabilities arising from its regulatory duty to treat customers fairly, and not just distributions
A firm must ensure that the amount distributed to policyholders from a with-profits fund, taking into account any adjustments required by COBS 20.2.17A R,2 is not less than the required percentage of the total amount distributed.
(1) 2Where a firm adjusts the amounts distributed to policyholders, either by market value reduction or otherwise, in a way that would result in a distribution to policyholders of less than the required percentage, taking both the relevant distributions and the adjustment into account, then the firm must apply a proportionate adjustment to amounts distributed to shareholders so that the distribution to policyholders will not be less than the required percentage.(2) The adjustments
7A firm must not make a distribution from a with-profits fund, unless:55(1) if it is not a Solvency II firm, the whole of the cost of that distribution can be met without eliminating the regulatory surplus in that with-profits fund; and5(2) if it is a Solvency II firm:5(a) the whole of the cost of that distribution can be met without eliminating the with-profits fund surplus in that with-profits fund; and(b) following any distribution that is made to meet a liability for which
A firm which is not a Solvency II firm5 must not make a distribution from a with-profits fund to any person who is not a with-profits policyholder, unless the whole of the cost of that distribution (including the cost of any obligations that will or may arise from the decision to make a distribution) can be met from the excess, if any,5 of the assets over the liabilities5 in that with-profits fund.55
A distribution to a person who is not a with-profits policyholder includes a transfer of assets out of a with-profits fund that is not made to satisfy a liability of that fund.
5If a firm which is a Solvency II firm proposes to make a distribution from a with-profits fund to any person who is not a with-profits policyholder, where:(1) the distribution to with-profits policyholders is smaller than the 'pre-notification to policyholder minimum' calculated in accordance with COBS 20.2.19BR (1) then the firm must:(a) provide the FCA with written details of the proposed distribution at least two months prior to the proposed distribution, together with copies
(1) 5The 'pre-notification to policyholder minimum' referred to in COBS 20.2.19A R is as follows:wherea is the total amount available for with-profits distribution in the with-profits fund in question at the time of the most recent previous distribution;b is the amount of the most recent previous distribution to with-profits policyholders; andc is the total amount available for with-profits distribution in relation to the proposed distribution.(2) The 'after the event notification
(1) 5If the circumstances in COBS 20.2.19AR (1) or (2) arise, the firm should also consider whether any reduction(s) in the proposed distribution and any previous distributions to with-profits policyholders over a period of at least the last five years are consistent with treating with-profits policyholders fairly and any other obligations of the firm under COBS 20.(2) When calculating the amounts distributed in COBS 20.2.19A R and COBS 20.2.19B R:(a) any amount allocated to with-profits
If, on a distribution, a firm incurs a tax liability on a transfer to shareholders, it must not attribute that tax liability to a with-profits fund, unless:(1) the firm can show that attributing the tax liability to that with-profits fund is consistent with its established practice;(2) that established practice is explained in the firm's PPFM; and(3) that liability is not charged to asset shares.
At least once a year (or, in the case of a non-directive friendly society, at least once in every three years) and whenever a firm is seeking to make a reattribution of its inherited estate,2 a firm'sgoverning body must determine whether the firm'swith-profits fund, or any of the firm'swith-profits fund, has an excess surplus.
A firm must only charge costs to a with-profits fund1 which have been, or will be, incurred in operating the with-profits fund. This may include a fair proportion of overheads.1
Subject to COBS 20.2.25 R, COBS 20.2.25A R and COBS 20.2.25B R, a1firm must not pay compensation or redress from a with-profits fund.11
A proprietary1firm may pay compensation or redress due to a policyholder, or former policyholder, from assets attributable to shareholders, whether or not they are held within a long-term insurance fund or with-profits fund, as relevant.511
A mutual may pay compensation or redress due to a policyholder, or formerpolicyholder, from a with-profits fund, but may only pay from assets that would otherwise be attributable to asset shares if, in the reasonable opinion of the firm'sgoverning body, the compensation or redress cannot be paid from any other assets in the with-profits fund. 1
A payment or transfer of liabilities made to correct an error and which has the effect of restoring a policyholder, or former policyholder, and the with-profits fund to the position they would have been in if the error had not occurred (a "rectification payment"), is not a payment of compensation or redress for the purposes of COBS 20.2.24 R.1
A proprietary firm must not charge to a with-profits fund any amounts paid or payable to a skilled person in connection with a report under section 166 of the Act (Reports by skilled persons) if the report indicates that the firm has, or may have, materially failed to satisfy its obligations under the regulatory system1.1
5A proprietary firm must not charge to a with-profits fund any financial penalty imposed on the firm by the appropriate regulator.
A firm must not charge a contribution to corporation tax to a with-profits fund, if that contribution exceeds the notional corporation tax liability that would be charged to that with-profits fund if it were assessed to tax as a separate body corporate.
A firm must not effect new contracts of insurance in an existing with-profits fund unless:22(1) the firm'sgoverning body is satisfied, so far as it reasonably can be, and can demonstrate, having regard to the analysis in (2), that the terms on which each type of contract is to be effected are likely to have no adverse effect on the interests of the with-profits policyholders whose policies are written into that fund; and2(2) the firm has:(a) carried out or obtained appropriate
(1) 2Writing new insurance business into a with-profits fund is not, of itself, automatically adverse to the interests of with-profits policyholders. For example, new insurance business which defers the emergence or distribution of surplus to a limited extent for a number of policyholders, or which leads to a marginal change in the equity backing ratio, may, subject to satisfying the guidance in COBS 20.2.60 G and COBS 20.2.29 G, reasonably be considered not to have an adverse
In some circumstances, it may be difficult or impossible for a firm to mitigate the risk of an2 adverse effect on its existing, or new, with-profits policyholders, unless it establishes a new bonus series or with-profits fund. Circumstances that might cause a firm to establish a new bonus series or with-profits fund include:2(1) where the firm has a high level of guarantees or options in its existing with-profits policies, which might place an excessive burden on new with-profits
2(1) When a firm prices the new insurance business that it proposes to effect in an existing with-profits fund, it should estimate the volume of new insurance business that it is likely to effect and then build in adequate margins that will allow it to recover any acquisition costs to be charged to the with-profits fund.2(2) COBS 20.2.28 R requires firms to obtain appropriate analysis and evidence and this should include at least a profitability analysis on a marginal cost ba
When a firm sets a target volume for new insurance business in an existing with-profits fund, it should pay particular attention to the risk of disadvantage to existing with-profits policyholders. Those policyholders might be disadvantaged, for example, by the need to retain additional capital to support a rapid growth in new business, when that capital might have been distributed in the ordinary course of the firm's existing business.
Unless COBS 20.2.32A R applies, a5firm carrying on with-profits business must not:5(1) make a loan to a connected person using assets in a with-profits fund; or(2) give a guarantee to, or for the benefit of, a connected person, where the guarantee will be backed using assets in a with-profits fund;unless that loan or guarantee:(3) will be on commercial terms;(4) will, in the reasonable opinion of the firm's senior management, be beneficial to the with-profits policyholders in
5Loans to a connected person using assets in a with-profits fund should be considered as investments of assets within the with-profits fund. As such, a Solvency II firm will need to ensure that: (1) such loans comply with the PRA Rulebook: Solvency II Firms: Investments having regard to COBS 20.2.35B G; and(2) where there is a conflict of interests, in the reasonable opinion of the firm's senior management, they are in the best interests of the with-profits policyholders in the
(1) If a firm, or a connected person, provides support to a with-profits fund (for example, by a contingent loan), no reliance should be placed on that support when the firm assesses the with-profits fund's financial position unless there are clear and unambiguous criteria governing any repayment obligations to the support provider.(2) The degree of reliance placed on that support should depend on the subordination of the support to the fair treatment of with-profits policyholders
Where assets from outside a with-profits fund are made available to support that fund (and there is no ambiguity in the criteria governing any repayment obligations to the support provider), a firm should manage the fund disregarding the liability to repay those assets, at least in so far as that is necessary for its policyholders to be treated fairly.
(1) 5A Solvency II firm must ensure that, in relation to any arrangements where assets outside a with-profits fund provide or may provide support to it, both the following requirements are met: (a) the precise terms and conditions on which those support asset arrangements operate and assets may become available, including whether and when they are repayable: (i) are adequately documented in the firm's records; and(ii) if the firm is required to produce a PPFM, are set out clearly
When a firm, other than a Solvency II firm,5 determines its investment strategy, and the acceptable level of risk within that strategy, it should take into account:(1) the extent of the guarantee in its with-profits policies;(2) any representation that it has made to its with-profits policyholders;(3) its established practice; and(4) the amount of capital support available.
(1) 5A Solvency II firm is required to consider its investment strategy in relation to the assets in a with-profits fund, including any strategic investments, in accordance with the PRA Rulebook: Solvency II Firms: Investments. Firms are expected, in applying the PRA Rulebook: Solvency II Firms: Investments, to take into account the particular circumstances and requirements of the liabilities in the with-profits fund to which those assets relate. For example, a Solvency II firm
A firm, other than a Solvency II firm,5 must not:2(1) use with-profits assets to finance the purchase of a strategic investment, directly or by or through a connected person; or2(2) retain an investment referred to in (1);2unless its governing body is satisfied, so far as it reasonably can be, and can demonstrate, that the purchase or retention is likely to have no adverse effect on the interests of its with-profits policyholders whose policies are written into the relevant f
2A firm must keep adequate records setting out the strategic purpose for which a strategic investment has been purchased or retained.
(1) 2In order for a firm to comply with COBS 20.2.36 R, a firm'sgoverning body should consider:(a) the size of the investment in relation to the with-profits fund;(b) the expected rate of return on the investment;(c) the risks associated with the investment, including, but not limited to, liquidity risk, the capital needs of the acquired business or investment and the difficulty of establishing fair value (if any);(d) any costs that would result from divestment;(e) whether the
If a firm carries out non-profit insurance business in a with-profits fund, it should review the profitability of the non-profit insurance business regularly.
If a firm has reinsured its with-profits insurance business into another insurance undertaking, it should take reasonable steps to discharge its responsibilities to its with-profits policyholders, in respect of the reinsured business. Those steps should include maintaining adequate controls.
A firm must not enter into a material transaction relating to a with-profits fund unless, in the reasonable opinion of the firm'sgoverning body, the transaction is unlikely to have a material adverse effect on the interests of that fund's existing with-profits policyholders.
A material transaction includes a series of related non-material transactions which, if taken together, are material.
2A firm must contact the FCA as soon as is reasonably practicable to make arrangements to discuss what actions may be required to ensure the fair treatment of with-profits policyholders if, in relation to any with-profits fund it operates:(1) the firm reasonably expects, or if earlier, there has been, a sustained and substantial fall in either the volume of new non-profit insurance contracts, or in the volume of new with-profits policies (effected other than by reinsurance), or
(1) 2The aim of the discussions in COBS 20.2.41A R is to:(a) allow the FCA to comment on the adequacy of the firm's planning; and(b) seek agreement with the firm on any other appropriate actions to ensure with-profits policyholders are treated fairly.(2) If the firm is no longer effecting a material volume of new with-profits policies (other than by reinsurance) into a with-profits fund; or if it is ceding by way of reinsurance most or all of the new with-profits policies which
A firm that is seeking to make a reattribution of its inherited estate must:(1) first discuss with the FCA7 (as part of its determination under COBS 20.2.21 R):227(a) its projections for capital required to support existing business, which must include an assessment of:2(i) the firm's future risk appetite for the with-profits fund and other relevant business; and2(ii) how much of the margin for prudence can be identified as excessive and removed from the projected capital requirements;
The precise role of the policyholder advocate in any particular case will depend on the nature of the firm and the reattribution proposed. A firm will need to discuss, with a view to agreeing,2 with the FCA the precise role of the policyholder advocate in a particular case (COBS 20.2.45 R). However, the role of the policyholder advocate should include:(1) negotiating with the firm, on behalf of the relevant with-profits policyholders, the benefits to be offered to them in exchange
A firm must ensure that every policyholder that may be affected by the proposed reattribution is sent appropriate and timely information about:(1) the reattribution process, including the role of the policyholder advocate, the independent expert or reattribution expert, as the case may be, and other individuals appointed to perform particular functions;(2) the reattribution proposals and how they affect the relevant policyholders, including an explanation of any benefits they
A firm must give relevant with-profits policyholders the option to:(1) individually accept or reject the final proposals for the reattribution; or(2) (if the legal process to be followed allows the majority of policyholders to bind the minority) vote on whether the firm should go ahead with those proposals.
A firm must:(1) inform the appropriate regulator and its with-profits policyholders within 28 days; and(2) submit a run-off plan to the appropriate regulator as soon as reasonably practicable and, in any event, within three months;of first ceasing to effect new contracts of insurance in a with-profits fund.
A firm will be taken to have ceased to effect new contracts of insurance in a with-profits fund:(1) when any decision by the governing body to cease to effect new contracts of insurance takes effect; or(2) where no such decision is made, when the firm is no longer:(a) actively seeking to effect new contracts of insurance in that fund; or(b) effecting new contracts of insurance in that fund, except by increment; or2(3) if the firm:2(a) (i) is no longer effecting a material volume
The run-off plan required by COBS 20.2.53 R2 must:2(1) include an up-to-date plan to2 demonstrate how the firm will ensure a fair distribution of the closed with-profits fund, and its inherited estate (if any); and(2) be approved by the firm'sgoverning body.
When a firm tells its with-profits policyholders that it has ceased to effect new contracts of insurance in a with-profits fund, it should also explain:(1) why it has done so;(2) what changes it has made, or proposes to make, to the fund's investment strategy (if any);(3) how closure may affect with-profits policyholders (including any reasonably foreseeable effect on future bonus prospects);(4) the options available to with-profits policyholders and an indication of the potential
A firm may not be able to provide its with-profits policyholders with all of the information described above until it has prepared the run-off plan. In those circumstances, the firm should:(1) tell its with-profits policyholders that that is the case;(2) explain what is missing and give a time estimate for its supply; and(3) provide the missing information as soon as possible, and within the time estimate given.
(1) If non-profit insurance business is written in a with-profits fund, a firm should take reasonable steps to ensure that the economic value of any future profits expected to emerge on the non-profit insurance business is available for distribution during the lifetime of the with-profits business.(1A) Where a with-profits fund contains assets which may not be readily realisable, the firm should take reasonable steps to ensure that the economic value of those assets is made available
(1) 4A mutual operating a common fund may seek to undertake an exercise to identify that part of the fund to which the mutual considers it would be fair for relevant provisions in COBS 20 not to apply. (2) To give regulatory effect to the identification exercise, the FCA expects that a mutual will need to apply to the FCA to modify the relevant provisions in COBS 20 and elsewhere which are dependent on the definition of the with-profits fund. (3) A mutual will need to demonstrate
(1) Where the firm:(a) identifies particular assets as forming a distinct part of its with-profits fund; and(b) restricts participation in the profits or other experience of that distinct part of the fund to a particular category of with-profits policies; then, provided that:(c) such identification and restriction is consistent with the considerations in (3), and(d) the firm treats each affected category of with-profits policyholder fairly, having regard to those considerations;each
(1) For a Solvency II firm operating a with-profits fund prior to 1 January 2016:(a) assets in the with-profits fund held in accordance with INSPRU on 31 December 2015 are deemed to be items in a with-profits fund for the purposes of COBS 20 from 1 January 2016, provided that any transfers out of, and any outgoings from, the fund up to 31 December 2015 were made in accordance with, and/or do not as at 31 December 2015, constitute, or continue to constitute, a breach of INSPRU
A Solvency II firm effecting or carrying out with-profits insurance business must identify the assets relating to all the business written in, or transferred into, each with-profits fund which it is required to hold under COBS 20.1A.5 R or PRA Rulebook: Solvency II firms: With Profits rule 2.1.
A Solvency II firm must ensure that it holds assets in each of its with-profits funds of a value at least sufficient to cover the "with-profits policy liabilities" defined in the PRA Rulebook: Glossary and as required by PRA Rulebook: Solvency II firms: With Profits rule 2.1, and any other liabilities in respect of all of the business written in, or transferred into, that with-profits fund.
A Solvency II firm must maintain separate accounting records for each of its with-profits funds. The accounting records must identify:(1) all of the assets of that with-profits fund;(2) the best estimate component of technical provisions for the with-profits policies written in, or transferred into, that with-profits fund;(3) the best estimate component of technical provisions for the non-profit insurance contracts written in, or transferred into, that with-profits fund;(4) any
A Solvency II firm must ensure that the assets in its with-profits funds are separately identified and allocated to the relevant with-profits fund at all times. Assets in external accounts (e.g. with banks, custodians, or brokers) should be segregated in the firm's books and records into separate accounts for with-profits insurance business and other business. Where a firm has more than one with-profits fund, separate accounting records must be maintained for each fund. Accounting
A Solvency II firm must not transfer assets out of a with-profits fund unless:(1) the assets represent any part of a with-profits fund surplus, or represent assets held in accordance with COBS 20.1A.5 R in relation to the part of a distribution that has been made which is properly attributable to shareholders, in accordance with COBS 20; and(2) no more than three months have passed since the actuarial investigation determining that surplus.
For the purposes of COBS 20.1A.8 R, an actuarial investigation is required to determine any with-profits fund surplus for the requirements in COBS 20 and remains in-date for three months from the date when the determination of the surplus was made. However, even where the investigation is still in-date, the firm should not make the transfer unless there is sufficient surplus at the time of the transfer to cover the value of the assets being transferred. The actuarial investigation
(1) A Solvency II firm must use or apply an asset in a with-profits fund only for the purpose of the business in the with-profits fund.(2) For the purpose of (1), applying or using an asset includes any obligation (even if only contingent) to apply or use that asset.
A Solvency II firm must not agree to, or allow, any mortgage or charge on the assets in any of its with-profits funds, other than in respect of, and for the purposes of, the business in the with-profits fund.
References in COBS 20.1A.10 R and COBS 20.1A.11 R to 'the purposes of the business' in the with-profits fund include the payment of claims, expenses and liabilities arising from that business, the acquisition of lawful access to fixed assets to be used in that business and the investment of assets. The payment of liabilities may include repaying a loan but only where that loan was incurred for the purpose of the business written into the with-profits fund. The purchase or investment
A firm, other than a non-directive friendly society,2 which is subject to contractual terms providing for payments under a capital instrument included in that insurer's own funds2, must:(1) manage any with-profits fund so that discretionary benefits under a with-profits policy are calculated and paid, disregarding, insofar as is necessary for its customers to be treated fairly, any requirements in such contractual terms whether or not they are absolute, contingent or at the discretion
(1) A firm, other than a non-directive friendly society,2 is expected to manage its with-profits fund so that amounts (whether interest, principal, or other outgoings) payable by the firm under a capital instrument included in that insurer's own funds2 (as determined in accordance with the PRA Rulebook: Solvency II Firms: Own Funds or Non-Solvency II firms: Insurance Company – Capital Resources2) do not impact on the with-profits fund's assets or on the firm's ability to declare
A Solvency II firm must ensure that it has adequate arrangements in place for ensuring that transactions affecting the assets of the firm operate fairly between with-profits policyholders and other persons interested in the other assets of the insurer and, where the firm has more than one with-profits fund, those transactions operate fairly between the with-profits policyholders in each of those funds.
A firm must:(1) on request, provide its PPFM, or the PPFM applicable to specified with-profits funds:(a) free of charge to its with-profits policyholders; or(b) for a reasonable charge to any person who is not its with-profits policyholder; and(2) if the firm publishes its PPFM on its website, prominently signpost its location there.
A firm must send its with-profits policyholders who are affected by any change in its PPFM, written notice, setting out any:(1) proposed changes to the with-profits principles, three months in advance of the effective date; and(2) changes to the with-profits practices, within a reasonable time.
In relation to any with-profits policyholder where the state of the commitment is2 the United Kingdom, an EEA insurer must:2(1) provide the information necessary to enable that policyholder properly to understand the insurer's commitment under the policy;2(2) ensure that the information provided is not narrower in scope or less detailed in content than the information required to be provided in the PPFM produced by a firm subject to COBS 20.3;2 and2(3) send the policyholder who
A firm must produce an annual report to its with-profits policyholders, which must:(1) state whether, throughout the financial year to which the report relates, the firm believes it has complied with its obligations relating to its PPFM and setting out its reasons for that belief;(2) address all significant relevant issues, including the way in which the firm has:(a) exercised, or failed to exercise, any discretion that it has in the conduct of its with-profits business; and(b)
The following documents should be annexed to the annual report in this section:(1) the report to with-profits policyholders made by a with-profits actuary in respect of each financial year (see SUP 4.3.16AR(4)); and(2) any statement or report provided by the person or committee who provides the independent judgement under the firm's governance arrangements for its with-profits business.
In preparing the annual report to with-profits policyholders, a firm should take advice from a with-profits actuary.
A firm should make the annual report available to with-profits policyholders within six months of the end of the financial year to which it relates. A firm should notify its with-profits policyholders in any annual statements how copies of the report can be obtained.
1A firm must, in relation to each with-profits fund it operates:(1) appoint:(a) a with-profits committee; or(b) a with-profits advisory arrangement (referred to in this section as an 'advisory arrangement'), but only if appropriate, in the opinion of the firm'sgoverning body, having regard to the size, nature and complexity of the fund in question;(2) ensure that the with-profits committee or advisory arrangement operates in accordance with its terms of reference; and(3) make
(1) Ultimate responsibility for managing a with-profits fund rests with the firm through its governing body. The role of the with-profits committee or advisory arrangement is, in part, to act in an advisory capacity to inform the decision-making of a firm'sgoverning body. The with-profits committee or advisory arrangement also acts as a means by which the interests of with-profits policyholders are appropriately considered within a firm's governance structures. The with-profits
A firm must ensure that the terms of reference contain, as a minimum, terms having the following effect:(1) the role of the with-profits committee or advisory arrangement is, as relevant, to assess, report on, and provide clear advice and, where appropriate, recommendations to the firm'sgoverning body on:(a) the way in which each with-profits fund is managed by the firm and, if a PPFM is required, whether this is properly reflected in the PPFM;(b) if applicable, whether the firm
(1) The FCA expects that a with-profits committee will meet at least quarterly and ad hoc if required. (2) The FCA expects that, in general, a with-profits committee or advisory arrangement will work closely with the with-profits actuary, and obtain his opinion and input as appropriate.
A firm must: (1) ensure that its governing body, in the context of its consideration of issues referred to in COBS 20.5.3R (1)(a) to (d) and (2)(b)(i) to (x):(a) obtains, as relevant, assessments, reports, advice and/or recommendations of the with-profits committee or advisory arrangement, if the governing body, the with-profits committee or advisory arrangement considers that significant issues concerning the interests of with-profits policyholders need to be considered by the
(1) COBS 20.5.5R (2) requires that a firm provides a with-profits committee or advisory arrangement with sufficient resources. A with-profits committee or advisory arrangement should be able to obtain external professional, including actuarial, advice, at the expense of the firm, if the with-profits committee or advisory arrangement considers the advice to be necessary to perform its role effectively. In a proprietary firm the with-profits committee or advisory arrangement should
(1) The FCA expects the governing body of the firm to decide whether a member of the with-profits committee or a person (other than a non-executive director) carrying out the advisory arrangement is independent. The FCA expects a firm'sgoverning body to adopt the following approach and have regard to the following factors when making this assessment:(a) the governing body should determine whether the person is independent in character and judgment and whether there are relationships
In complying with the rule on systems and controls in relation to compliance, financial crime and money laundering (SYSC 3.2.6 R), a firm should maintain governance arrangements designed to ensure that it complies with, maintains and records, any applicable PPFM. These arrangements should:(1) be appropriate to the scale, nature and complexity of the firm'swith-profits business; and(2) include the approval of the firm'sPPFM by its governing body.
1This chapter applies to a firm carrying on with-profits business, except to the extent modified in the following rules.
(1) The section on the process for reattribution (COBS 20.2.42 R to COBS 20.2.52 G):(a) applies to a firm that is proposing to make a reattribution of its inherited estate;(b) but not if, and to the extent that, it would require the firm to breach, or would prevent the firm from complying with, an order made by a court of competent jurisdiction.(2) If a firm proposes to seek an order from a court of competent jurisdiction that would allow or require it to act in a way that is
For an EEA insurer:(1) 4(a) the rules and guidance on the with-profits fund (COBS 20.1A), on treating with-profits policyholders fairly (COBS 20.2.1 G to COBS 20.2.41 G and COBS 20.2.53 R to COBS 20.2.60 G), and the governance provisions in COBS 20.5. apply only in so far as responsibility for the matter in question has not been reserved to the firm'sHome State regulator by an EU instrument;4notwithstanding the above: (b) COBS 20.2.26A R (financial penalties and the with-profits
The following do not apply to a non-directive friendly society:(1) COBS 20.3 (Principles and Practices of Financial Management);3(2) COBS 20.4 (Communications with with-profits policyholders); and3(3) COBS 20.5 (With-profits governance).3
This chapter does not apply to with-profits business that consists of effecting or carrying out Holloway sickness policies.
4If a firm provides figures, on or after 1 January 2016, about the potential future development of bonuses under a with-profits policy it must inform the policyholder annually in writing of any differences between the actual bonuses payable to date and the figures previously provided.[Note: article 185(5) of the Solvency II Directive]
(1) Firms with large or complex relevant schemes should establish an IGC. For the purposes of this section, a firm may determine whether it has large relevant schemes by reference to:(a) the number of relevant policyholders in relevant schemes; (b) the funds under management in relevant schemes; and(c) the number of employers contributing to relevant schemes.(2) Examples of features that might indicate complex schemes include: (a) schemes that are operated on multiple information
(1) A firm must:(a) establish and maintain the PPFM according to which its with-profits business is conducted (or, if appropriate, separate PPFM for each with-profits fund); and(b) retain a record of each version of its PPFM for five years.(2) A firm'swith-profits principles must:(a) be enduring statements of the standards it adopts in managing with-profits funds; and(b) describe the business model it uses to meet its duties to with-profits policyholders and to respond to longer-term
A firm'sPPFM must cover any matter that has, or it is reasonably foreseeable may have, a significant impact on the firm's management of with-profits funds, including but not limited to:(1) any requirements or constraints that apply as a result of previous dealings, including previous business transfer schemes;3(2) the nature and extent of any shareholder or other3 commitment to support the with-profits fund; and3(3) the precise terms and conditions of support asset arrangements,
Table: Issues to be covered in PPFMSubjectIssues(1)Amount payable under a with-profits policy(a)Methods used to guide determination of the amount that is appropriate to pay individual with-profits policyholders, including:(i)the aims of the methods and approximations used;(ii)how the current methods, including any relevant historical assumptions used and any systems maintained to deliver results of particular methods, are documented; and(iii)the procedures for changing the current
Table: Guidance on with-profits principles and practicesReference to PPFM issues (COBS 20.3.6R)With-profits principlesWith-profits practices(1) Amount payable under a with-profits policyGeneral(a) Circumstances under which any historical assumptions or parameters, relevant to methods used to determine the amount payable, may be changed;General(e) For each major class of with-profits policy, methods establishing the main assumptions or parameters that decide the output of methods

subset: commoncrawl


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Ultracapacitors – fundamentals
Ultracapacitors are energy storage devices that possess a combination of high-power density, long operational life and the ability to charge and discharge very rapidly. Ultracapacitors offer energy storage and power delivery solutions the ability to combine rapid charge ⁄ discharge capabilities associated with film and electrolytic capacitors and energy storage capacity generally associated with batteries. Ultracapacitors' energy storage and power delivery mechanisms involve no chemical reaction, so they can be charged and discharged hundreds of thousands to millions of times with minimal performance degradation. This ability to store energy, deliver bursts of power and perform reliably for many years with little or no maintenance makes ultracapacitors an option for a range of power-consuming devices and systems.
The market opportunity for ultracapacitors includes braking energy recuperation and torque-augmentation systems for hybrid-electric buses, trucks and autos and electric trains, vehicle power network stabilization and d istributed power nodes to support electronic subsystems, including power steering and brakes and electric air-conditioning. Ultracapacitors have advanced to commercial production in transport applications, such as hybrid-electronic transit buses and industrial electronics applications, such as wind energy, telecommunications and automated utility meter reading systems.
Ultracapacitors, also known as double layer electrochemical capacitors (EDLC) or supercapacitors, store energy electrostatically by polarizing an organic salt solution within a sealed package.
Ultracapacitors – advantages and disadvantages
Ultracapacitor energy storage has several advantages and disadvantages comparing to batteries.
We understand ultracapacitor to be not substitution of battery but a complementary device which will compensate battery (or other power source) drawback.


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I have a good friend in vet school who contacted me about this dog. She LOVES her - she was an owner surrender, as they couldn't afford to care for her anymore. She's been spayed (she had probably 2 litters before being surrendered) and has a clean bill of health. She's been tested with other dogs and has gotten along with all of them so far. She's great with people - she has the typical pit bull whiplash wiggle butt. I have a video of her if anyone wants to see it - you can PM me or email me and i'll send it over to you.
She's going to an adoption event this weekend, but if she's not adopted, she will be coming up to NY after the holidays. They haven't had her in a home environment yet, but she seems to be housebroken and crate trained. She gets very excited to go "outside" and will dance around, but she's also quite content snuggling up and hanging out. She's about 45 pounds...and FAT, she could probably stand to lose about 5-10 pounds, so once she's trimmed down, she'll be pretty small.
Definitely not a "working" prospect - but she seems to love to play, so maybe someone looking for a pet companion or an active home. My friend said she's VERY strong, so weight pull might be something she'd enjoy. She's been playing with toys and seems to really enjoy it - maybe flyball or agility as well, not sure how she is with water for dock diving.
If anyone has any questions, I'll do my best to answer them. Thanks


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Spiced Roast Goose
As pretty as a picture with its caramelized seasoning rub, this festive goose is guaranteed to be a holiday showstopper! Best of all, it tastes as delicious as it looks and fills the house with an incredible aroma as it cooks.
Total TimePrep: 45 min. Bake: 2-1/2 hours + standing
Makes6-8 servings
- 4 cups water, divided
- 2/3 cup plus 1 tablespoon soy sauce, divided
- 1/4 cup chopped celery
- 1/4 cup dried minced onion
- 1 tablespoon sugar
- 1 domestic goose (10 to 12 pounds)
- Salt and pepper to taste
- 2 teaspoons ground cinnamon
- 1 teaspoon garlic powder
- 1 teaspoon aniseed
- 1/4 cup cider vinegar
- 1/4 cup honey
- 2 teaspoons cornstarch
- 2 tablespoons cold water
- In a large saucepan, combine 2 cups water, 2/3 cup soy sauce, celery, onion and sugar. Bring to a boil, stirring frequently until vegetables are tender. Remove from the heat; allow to cool.
- Pour marinade into a large resealable plastic bag. Add goose; seal bag and turn to coat. Refrigerate for 3-4 hours, turning several times.
- Drain and discard marinade. Sprinkle goose cavity with salt and pepper. Place on a rack in a shallow roasting pan. Combine the cinnamon, garlic powder and aniseed; rub over goose. Bake, uncovered, at 325° for 30 minutes.
- Meanwhile, in a small saucepan, combine the vinegar, honey and remaining water and soy sauce. Bring to a boil. Reduce heat; simmer, uncovered, until reduced by about half.
- Baste goose with some of the honey mixture. Bake, uncovered, 30 minutes longer. Cover and bake for 1-1/2 to 2 hours or until a thermometer reads 180°, basting occasionally with remaining honey mixture. Cover and let stand for 15-20 minutes before carving.
- For gravy, strain pan juices into a large measuring cup; skim fat. In a small saucepan, combine cornstarch and cold water until smooth. Stir in pan juices. Bring to a boil; cook and stir for 2 minutes or until thickened. Serve with goose.


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Wash Down, Continuous Recirculating Lubricant (CRL) Right Angle Gearbox, Base Mount, 1:1 Ratio, Left Hand Rotation, 'A' Bore .750 in. x 'B' Bore .750 in.
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Food Grade Lubricant


text:
The former Prince Arthas has launched a new campaign of undeath from his citadel in Northrend. As the plague once more sweeps across the land, the Alliance and Horde struggle to set aside their age-old hatreds and unite against the greater threat. Meanwhile, the blue Dragon Aspect, Malygos, plans to end the abuse of arcane magic, whatever the cost. This is the music of ice and despair, a dirge and a call to arms... the last stand against the Lich King.
Featured Musicians: Pedro Eustache – Flutes and Duduk
Guitars: Laurence Juber
Nychelharpa: Cajsa Ekstav
Uilleann Pipes & Scottish Flute: Eric Rigler
Live Sessions and Orchestrations produced by: Edo Guidotti
Main Title and "Arthas, My Son" recorded by: the Northwest Sinfonia Orchestra and Chorus
Contracted by: Simon James & David Sabee
Sound Design: Brian David Farr
Cinematic Intro Music by: Neal Acree
With special thanks to: Kirin Landsgaard, Edo and Shelly Guidotti, Tina, Margaret and Karen Brower, Yuliya and Jasper Duke, Shyshkin and Duke Families, Bob and Kay Gates, Smt. Jahnavi Jayaprakash, Aaron, Ethan, Quinn and Susan Stafford, Keith Landes, Kevin Crook, Brianne Messina, Joeyray Hall, Evelyn Fredericksen, Chris Metzen, Frank Pearce, Mike Morhaime, Paul Sams and the entire Blizzard Entertainment Sound Department


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Welcome to the first retooled, shorter format episode of The Drill Down. It's a work in progress, and we definitely welcome your feedback, either in this post thread below, or at email@example.com. This week, hosts Tom Cheredar and Andrew Sorcini discuss the iPad 2, Facebook's Like button is now a share button, how Charlie Sheen got verified on Twitter and much more.
The Drill Down 175 Play Now | Play in Popup | Download (826)


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Any personal information you provide on the third-party's website will be managed in accordance with their privacy policy.
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Please click the link below to
Step Up Your Routine During Pregnancy
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As you already know, your lifestyle and habits during pregnancy can affect your health as well as the health of your unborn baby. With all the things you need to be prepared for, your oral health may not exactly be top-of-mind. But maintaining the health of your teeth and gums is necessary to avoid the risk of developing pregnancy gingivitis and to establish good oral health long-term.
The first trimester of your pregnancy (the first 13 weeks) is the time in which most of the baby's major organs develop. If you go to the dentist during your first trimester, tell your dentist that you're pregnant and have only a checkup and routine cleaning. If possible, postpone any major dental work until after the first trimester. However, if you have a dental emergency, don't wait! Infections in the mouth can be harmful to you and your baby. See your dentist immediately, and make sure that all dental professionals who examine you are aware you're pregnant.
During pregnancy, 50 to 70 percent of all women experience a condition called pregnancy gingivitis. This is why it's vital to pay more careful attention to your daily brushing and flossing routine to keep plaque under control. Here's how:
Your teeth are made of minerals similar to bone, and the calcium you take in aids in bone development in your baby. The right amount of calcium will help keep your bones strong and contribute to the development of strong teeth and bones in your baby.
Some antibiotics and pain medications are okay to take during pregnancy and may be necessary. However, one group of antibiotics, tetracycline and related antibiotics may cause hypoplasia (underdevelopment) of tooth enamel and/or discoloration of the permanent teeth in children. Be sure to tell your doctor you're pregnant if he or she prescribes this medication for you.
Morning sickness is nausea and vomiting that often occurs during pregnancy. It can happen at any time of day. If you suffer from morning sickness, having your own emergency travel bag is a good plan. In a small, sturdy bag, pack the following:
During pregnancy, you may experience symptoms of dysgeusia (changing tastebuds or a bad taste in your mouth) or ptyalism (too much saliva).
To help cope with a bad taste in your mouth:
To help cope with an increase in saliva, drink plenty of fluid to increase swallowing. Sucking on candies may also offer relief.
While many prenatal vitamins contain fluoride, the value of fluoride and fluoride supplementation in pregnant women is unclear, and not everyone agrees on it. Be sure to consult your doctor if you're curious about it.


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|Anxiety Disorders: More Than "A Bad Case of Nerves"
|Written by Administrator
|Friday, 15 April 2011 17:28
Anxiety Disorders: More Than Just "A Bad Case of Nerves"
By Richard S. Schloss, M.D.
Anxiety seems to be an ever-growing part of everyday life. Everyone believes he has a pretty good idea of what anxiety is; we all know more-or-less synonymous terms for anxiety, such as "ner-vousness, tension, jitteriness, edginess, jumpiness, irritability," and so forth. But what is the defi-nition of anxiety?
Perhaps a good way to begin to conceptualize anxiety is a sense of uneasiness: a literal rendering of the term, "disease." But this definition is complicated by the fact that there are both emotional (or psychic) and physical components to the experience of anxiety. The physical experience of anxiety is more familiar to us than we might at first think; we have all, at one time or another, suffered from sweaty palms, dry mouth, shortness of breath, pounding heart, or "lump in the throat."
So anxiety is bad, right? Not necessarily. Anxiety is merely a warning signal, a message that "something bad could happen." At the appropriate moment, anxiety can trigger behavior which will have life-saving consequences.
However, much of our anxiety today may be a response to threats that are either imaginary or symbolic. We are much less likely than our ancestors to be devoured by saber-toothed tigers or set upon by marauding bands of Neanderthals. The genuine threats to our everyday existence are more likely to be the loss of the necessary components to happiness: loss of income, loss of affection, loss of self-esteem.
When anxiety begins to interfere with one's ability to function or feel secure, we speak of "Anxiety Disorders:" a state in which anxiety has become pathological rather than adaptive. Perhaps the most devastating of the "pure" anxiety disorders is Panic Disorder, in which the sufferer has spontaneous "attacks" at irregular intervals.
These attacks may last from 30 seconds to 10 minutes and are marked by several (or all) of the physical manifestations of anxiety, along with an overwhelming sense of panic or impending doom. The victim generally experiences palpitations or shortness of breath and often believes he is dying, having a heart attack, or going crazy. If the attack occurs in view of others, an ambulance may be called to take the victim to an Emergency Room. Usually, by the time of arrival at a hospital, the attack is over; an electrocardiogram done at that time reveals nothing abnormal, and the embarrassed victim is sent home.
After one or two more such episodes, the panic sufferer is driven to seek medical evaluation, and may undergo a lengthy series of neurologic or cardiologic tests before the correct diagnosis is made. Unfortunately, the fear of having an attack away from home, where one will be either unable to get help or embarrassed and humiliated, sometimes drives sufferers to avoid going out unless accompanied by someone they trust, a condition known as "Agoraphobia."
Fortunately, Panic Disorder can usually be well controlled with antianxiety or antidepressant medications, either alone or in combination. Such medications should only be prescribed by a qualified psychiatrist. If agoraphobia is present, a course of behavioral therapy under a psychiatrist's supervision is generally helpful, once the panic symptoms themselves have been controlled with medication. The importance of early recognition and referral to a qualified psychiatrist cannot be overemphasized in terms of preventing needless suffering and loss of function.
A second, potentially devastating illness, also classified as an Anxiety Disorder, is called "Obsessive-Compulsive Disorder." This disorder, usually referred to as "OCD" for short, was once thought to be rare, but is now believed to afflict about 2% of the population (about twice as common as schizophrenia). Many place the estimate of OCD's true prevalence much higher.
OCD is defined by the presence of obsessions (unwanted, intrusive, repetitive, often nonsensical thoughts); compulsions (repetitive or ritualistic behaviors driven by irresistible urges); or both simultaneously. Obsessions about accidental contamination, coupled with compulsive urges to wash or clean, are among the most familiar forms of OCD phenomena; checking stoves, doors, or windows is another common compulsion. Attempts on the part of the sufferer to resist carrying out compulsions almost always provoke intolerable anxiety, prompting the classification of OCD as an Anxiety Disorder.
Several subtypes of OCD exist, including Trichotillomania, or the urge to pull out one's hair. Victims of this seemingly bizarre disorder may cause one bald patch or may denude the entire scalp. Sometimes facial or body hair is involved as well.
The good news about OCD is that it, too, is eminently treatable. A select group of antidepressants has shown impressive results in reducing (and sometimes eliminating) obsessions and compulsions. One drug in particular has been beneficial in both OCD and Trichotillomania. Often a combination of medication and behavioral therapy yields even greater improvement. The key, once again, is recognition and referral to a qualified psychiatrist. When a patient says, "I think it's my nerves," that should mark not the end of treatment, but the beginning.
Staff Articles
- Behavioral Treatment of Body Dysmorphic Disorder
- The Boy Who Didn't Know Who He Was (Teen Obsessions About Homosexuality)
- Acceptance and OCD
- Acceptance and OCD
- But I Love My Kids (Parents With Thoughts of Harming Their Children)
- Call Me Irresponsible (OCD and hyperresponsibility)
- Coming To Terms With The Lost Years
- Contamination and OCD ("Stronger than Dirt")
- Do-it-Yourself Therapy: Self-Directed Treatment
- Fight for Your Rights: Getting Insurance to Pay for an OCD Specialist
- Getting the Right Treatment (Finding proper CBT treatment for OCD and BFRBs)
- Here's Looking At You, Kid: People With OCD Who Notice Things Too Much
- How Clean is Clean? (Compulsive cleaning and ordering)
- How Do I Know I'm Not Gay? (Homosexuality obsessions)
- How I Treat Violent Obsessions
- How Much Is Too Much? (Taking a more humane approach to behavioral therapy)
- How to Manage Your Parents When You Have OCD (a guide for teens)
- In Search of the Elusive Behavior Therapist
- Inositol and OCD
- Intensive vs. Self-Directed OCD Treatment
- Langley Collyer: The Mystery Hoarder of Harlem
- Let He Who is Without Sin (Religious obsessions)
- Loves Me? Loves Me Not? (Relationship obsessions)
- Morbid Obsessions
- Obsessive Compulsive Disorder (General information)
- Obsessive Love (When People Become "Obsessed" with Other People)
- Panic Disorder (General information)
- Samuel Johnson: A Patron Saint of OCD
- Saving the World (Compulsive Hoarding)
- Teens With Morbid Obsessions
- Ten Things You Need to Know to Overcome OCD
- A Touching Story (Touching and movement compulsions)
- Treating Morbid Obsessions
- Very Superstitious (Magical and superstitious obsessions)
- What Do You Say After You Say You're Sorry (Coming to terms after you recover from OCD)
- What The Heck Is "Obsessive Slowness?"
- When Epidemics Collide: OCD and AIDS
- Your Number is Up! ("Magical" numbers and OCD)
- Advice for Significant Others (Dealing with a TTM sufferer)
- Cognitive-Behavioral Treatment of Trichotillomania
- Coming to Terms With Your Child's Hair Pulling
- Childhood Trichotillomania (Dealing with the reluctant child's pulling)
- Fight for Your Rights: Getting Insurance to Pay for Your Treatment
- Inositol and Trichotillomania
- A Stimulus Regulation Model of Trichotillomania (Why people pull)
- Trichotillomania (General information)
- Unconditional Self Acceptance and Trichotillomania
- What Cognitive Therapy Can Do for TTM
- Skin-Picking and Nail-Biting - Related Disorders
- Anxiety Disorders: More Than "A Bad Case of Nerves"
- Common Questions, Myths and Misconceptions About Psychiatric Medicine
- Medications that Treat OCD and OC Spectrum Disorders
- OCD and Managed Care
- PANDAS: The OCD - Strep Connection
- Depression: from Children through Adults
- How Do I Know I'm Not Really Gay - Part 2
- How To Defeat OCD By Surrendering
- Living With Your Loved One's OCD: Some Advice For Significant Others
- NAC and Trichotillomania
- Stimulation Substitutes for Trichotillomania
- To Be Or Not To Be. That Is The Obsession: Existential And Philosophical Obsessions
- 25 Tips For Succeeding In Your OCD Therapy
- My Parents Don't Believe I Have OCD
- Both Ends Against The Middle: When OCD Tries To Disrupt Its Own Treatment
- Driven To Distraction: Hit and Run OCD


text:
Lite Steam-A-Seam 2 ABC-123
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It's easier than ever to personalize everything from quilts to gifts to home decor with Lite Steam-A-Seam 2 ABC 123! Sheets are printed with reversed upper and lower case letters, numbers, punctuation and even shapes in two sizes ready for use with your own fabric or paper. No tracing required with all the benefits of the world's most loved fusible web - Lite Steam-A-Seam 2!!
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- Machine Wash & Dry Finished Projects
- Sticks Temporarily for Perfect Placement
- Once Fused - Won't Gum Needle If Sewing is Desired


text:
"Twenty years from now, you're going to look up the hill at this vineyard and know if you did the job right." Joel Hamlet
One day, when the Hamlet siblings were young, they helped their dad Joel put in posts for a new grape vineyard. Only they were fooling around while they did it. When Joel checked the rows, they were crooked. "Twenty years from now," their dad told them, "You're going to look up the hill at this vineyard and know if you did the job right." They fixed the posts. Today, it's a mature Concord grape vineyard — with perfectly straight rows.
"As a mom, I trust Welch's Grape Juice. I know where it's grown, I know what's in it, and I know my kids love it." Becky Hamlet-Kapple
Becky grew up on Welch's 100% Grape Juice, and now she proudly gives it to her three kids. After all, the Concord grapes her family grows go straight from their vines into Welch's bottles, no sugar added. "For me it's the taste of home," says Becky. For Eddie, "It brings back memories of eating the grapes fresh off the vine."
"We're all family farms, we're all banded together." Joel Hamlet
That's how Joel describes the Welch's cooperative. He's taught the next generation about the importance of the co-op — Liz serves as a national delegate. "We've picked grapes for people, we've driven semis for people," says Becky. "When we needed it, they've helped us, too." Liz sums it up: "We're a bunch of farmer families that together make one family."


text:
Preview model of Abraham Lincoln statue to be on display at Feb. 25
committee meeting
Send a link to a friend
[February 20, 2013]
The Abraham Lincoln Statue
Committee will have an 18-inch model of the proposed statue on
display at a special meeting on Monday at 7 p.m. The meeting will
take place at the Logan County Genealogical & Historical Society
center, 114 N. Chicago St. Special invitations have been sent to
officials of all the towns in Logan County, members of the county
board and the media to attend the meeting.
The new statue is intended to commemorate a speech given by
Abraham Lincoln on Oct. 16, 1858, during his run for the Senate. The
speech took place on the Logan County Courthouse square and drew a
crowd of 5,000. The town of Lincoln was just five years old and its
population was swelled far beyond its permanent residents that day.
The model statue will be on display at the LCGHS center
throughout the fundraising campaign for the statue production. A
copy of the print of a painting of the Lincoln speech will also be
on display during the same period.
Members of the statue committee are available to speak to groups
around the county. Committee members can be reached through LCGHS.
Call 217-732-3200 to leave a message.
[to top of second column]
Donations for the project may be made to LCGHS. Individuals who
donate $100 or more to the project will receive an unframed,
numbered copy of the print. The prints are being donated to the
statue committee by Main Street Lincoln.
[Text from file received from the Abraham Lincoln
Statue Committee]
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Friday, October 22, 2010
Decisions...Decisions...Sandy Aldersen Or Josh Byrnes ?
9 comments:
Genius! Love ALL of your work - ever think about putting out a book?ReplyDelete
Tried no publishers interested because the had a losing season.ReplyDelete
I run a New York sports internet radio show and we would love to have you on you do great work if your interested just email us at email@example.com thanks and keep up the good work.ReplyDelete
Stay with us all winter,Joe....ReplyDelete
- AnonymousOctober 24, 2010 at 11:41 PM
F the publishers. I want a book!!!!!!!!!!!!!!!!!!!!ReplyDelete
- AnonymousOctober 25, 2010 at 11:09 AM
Maybe those "on demand" books Joe?ReplyDelete
I can't find your email address...
Please contact me at: firstname.lastname@example.com
- AnonymousOctober 26, 2010 at 7:57 AM
Publisher interest will come in time - I love thinking that you do this out of passion and a self serving interest. Keep it going JoeReplyDelete
Thanks. It really comes from my heart. I never did this to make $$ I just wanted to share my passion and share it in hopes that one season I would actually finish a journal. Now, sharing it with all of my fellow Mets fans I know I will finish a journal every year,ReplyDelete
Thank you all.


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Corner of Center Rd. and SR 19 at Chimacum Corner Farmstand
10am - 2pm, June 2 - Oct. 27, 2019
Like the feel of grass between your toes and want your dog at your side? Well, the Chimacum Farmers Market may be just the market for you. Located in the heart of Jefferson County's farm country, The Chimacum Farmers Market is set up every Sunday from 10 am to 2 pm, June-October. More rustic than its sister markets in Port Townsend, this jewel of a market offers a remarkable variety of seasonal produce from neighboring farms as well as artisan food, crafts, and local music. New this year, kids and kindred can anticipate "Kids Day" the first Sunday of every month. Meet up with other children and enjoy special activities and music. Dogs as of yet don't get a special day, but are always welcome as long as leashed and mannered.


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This year I need to fulfill two overdue promises - (1) Stop messing around with Girl 1, find one girl and settle down. (2) Look for a piece of land near the coast.
I admire Michael Woodhead and his family portrait. He is the kind of father figure I want to be.


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1 lb raw shrimp, peeled, tails intact
1 cup panko
1/2 cup flour
1 egg
1 tablespoon sesame seeds
1 tablespoon ground ginger
black pepper
canola oil
Whisk together the salt, pepper, sesame seeds, ginger and flour. Pour into a shallow bowl and set aside. Pour the panko in a second shallow bowl. Beat an egg in a third bowl. Heat about 1 1/2 inches of oil in a large saucepan or skillet, enough to cover the shrimp. Dredge the shrimp in egg, then dip into the flour mixture, then th panko Make sure all sides are coated. Drop in a single layer into the hot oil and cook about 3 minutes or until crisp and cooked through. They should float to the surface when they are cooked through. Drain on paper towel lined plates. Serve hot.


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A Law Firm For Regular People
Some law firms are located downtown in glass high-rises. We're located in an easily accessible, single-story office building on Waco Drive. Parking is free, dress is casual and attorneys listen to what you say. We take pride in being connected to our local communities.


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Home Hairdresser in Hyde Park before I go into the points to help you choose your hairdresser, I should first outline the definition of what is a mobile hairdresser? A Mobile Hairdresser is a hairdresser who usually works for his or herself visiting clients at their homes or place of work, or any other agreed venue and does not operate from a fixed hair salon or beauty shop.
Choosing a Mobile Hairdresser - 4 Simple Tips to Help You Choose The Best
1.When to consider using a mobile hairdresser. The services of a mobile hairstylist may often be required to be used at a home for a wedding when it may often be inconvenient for the bride to travel to a hair or beauty salon to have her hair and her make-up done, requiring her then to travel back to her home to put on her wedding gown. Instead, the hairdresser will travel to the bride's home in order to style the bride's hair for her special day. A Mobile Hair And Beauty hairstylist is often in demand for Care homes, hospitals, prisons, the armed forces, and in many other situations where individual attention is required.
Hairdressing Essential Tools And Equipment
4. Always Use a qualified hairdresser. As with Salon hairdressers, your mobile hairdresser should hold formal hairdressing qualifications. The UK national Vocational Qualification in Hairdressing (NVQ) is the only recognized qualification system, and more than 60% of mobile hairstylists are now trained to this standard. They should also hold professional indemnity insurance.
Your mobile hairdresser should be happy and prepared to recommend the perfect hairdos and often make-up to accentuate and compliment the individual looks of the customer, and offer suggestions on what hairstyle or make up should best suit the client.
Home Hairdresser in Hyde Park ?
There are a variety of methods used to start dreadlocks. The method and size selected mostly depends on the texture and length of the hair. Other variables that affect the lock starting technique include hair's thickness, fullness, and versatility desired. The methods discussed in the article give you insight into the most popular methods used and what works best on various hair lengths and textures. The methods discussed include: two-strand twist, three-strand twist, comb coil twist, palm rolling, latch stitching, and individual braids.
In the palm rolling method, the hair is sectioned and rolled between the palms. This is usually achieved on hair that is longer than 2 inches. For best results, you should not wash your hair until it has started to lock. As the hair grows, the new growth is twisted using a palm rolling or similar twisting method. Alternatively, the new growth can be groomed using the interlocking or latch hook method discussed below.
The comb coils is a method where the hair is sectioned and is twisted into coils using a (rat tail) comb or by hand. This is usually achieved on shorter hair. For best results, you should not wash your hair until it has started to dread. As the hair grows, the new growth is twisted using a palm rolling or similar twisting method. When hair starts to lock, it will begin to not look like comb coils and may start to get fuzzy or begin to poof. However, this is not a cause to create worry because it is all apart of the dreading process.
The last method we will discuss is back combing. Back combing is a common method on hair that is a straighter, less kinky texture. Back combing (also known as "teasing" or "ratting") means repeatedly combing the hair towards the scalp, causing the hair to tangle. For best results, the hair should be at least shoulder length. With this method, the hair cannot be washed until it starts to lock. Because of the straighter texture, it may take 4-6 months for the hair to start to lock. During this time, the hair should NOT get wet. Some type of product, like wax or honey, is usually added to the hair to help facilitate the locking of the hair.
No matter the method you choose to start your locks, understand the commitment you are taking by locking you hair. Happy Locking!
Is Mobile Hairdressing Worth It?
I recently received an email from a woman who said she had very long hair. For the past several months, her hair had been shedding much more than what was normal for her. She had read on some forums that sometimes the weight from long hair can pull the hair shaft out and can result in loss. So, she wanted to know if cutting her hair much shorter could potentially stop her shedding. I have a definite opinion on this based on my own experience and research. I will share it in the following article.
The Difference Between Traction Alopecia And Shedding Hair: There are cases where wearing your hair in a very tight braids or pony tails can results in the hair breaking off or pulling out. This is called traction alopecia and it's well documented. Usually, if you examine the hair, you'll see that some of it has broken off. You'll see short little jagged strands that indicate breakage.
Or, sometimes, the weight is so much that rather than breaking off, the hair will actually be pulled out. If you were to take one of these spent hairs and examined the tip, you'd likely see that on the end (at the bulb that comes from your follicle,) the dark colored sheath is still in place. If this is hard to envision, take one strand of your hair, grab it tightly, and pull. Then, examine the end. Since the strand was forcefully pulled out, the sheath that is supposed to protect it will still be in tact.
Now, if your loss is due to the weight of your hair, then yes, getting a cut could potentially help this situation. But, I find that this is the exception rather than the rule. And if this is the case, you can sometimes see a difference in what you're seeing on the end of the strand. In general though, usually this type of loss does not give rise to the high levels of loss that we see with shedding.
Trimming your hair can certainly help to improve it's appearance. A good cut can make you feel better and can give the illusion of more volume. So, it can definitely be worth going for a trim. But making drastic style changes isn't likely to stop some of the common causes of shedding like TE and AGA.


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Author Archive
Giveaway Winner!!
Posted May 23, 2012on:
Honestly, sort of discouraged by the giveaway results.
I tweeted, I blogged, I social media'd it to death and got a lot of new followers on the blog and Twitter, but to be in the giveaway, you needed to post TO the blog entry. I tried to be realllly clear about it in the instructions so I'm not sure what happened.
Don't get me wrong — I'm super-excited about new followers and I'm not going to take it personally 😉 — but comments would have been really cool! Now I can only award one prize to the one person who commented!
On a good note, I will hold another giveaway with the other copy of the book, once I've had a week or so to figure out how to do it more successfully. The books (The Autism Revolution, by Dr. Martha Herbert) were supplied to me by Harvard Health Books and I want to do them right. If you are dealing with autism, from Asperger's to severe autism, this book is illuminating and worth the read.
Stay tuned, I'll announce that next week, and in the meantime, back to blogging about autism. (And maybe a brief blog about how plantar fasciitis is negatively impacting my fitness, my patience AND my wallet! Begone, PF, you are cramping my style…literally!)
- In: Autism | Giveaway
- Leave a Comment
If you entered the book giveaway, remember you need to respond to my blog post to enter — if you followed my blog AND/OR followed me on Twitter (autismwatch2007) you need to respond to that post to let me know that too! (Options 2 & 3 in the giveaway directions)
Winners will be chosen from those who post to that entry. http://bit.ly/KSXgwV I got a whole bunch of new followers in the last couple of days (sweeeeet!) but if you're following for the giveaway, respond to the giveaway post so you can be included, thanks!!
Sensory issues on our lunch date
Posted May 18, 2012on:
I was off work today — freebie day from upper management, yayyy! — and decided it was a good day for BB and I to have a lunch date. We'd considered one of a few local venues but with it being rainy, any tourists in town will be inside, crowding those venues. Not a good idea, so we opted for food. I wanted to expand BB's food interests so I chose a local Asian restaurant, one that serves food from four different countries. Score!
BB chose two different kinds of sushi rolls (both spicy) and was looking forward to trying them with chopsticks. Just as we were served our soup/salad, a trio came in to sit in the booth behind us. Like many people locally, they were very loud. We have yet to figure out why so many people here are loud. It's almost painful at times, and you find yourself stepping away, appearing rude, while they have no clue they're talking much louder than they need to be. This trio was giggling at a glass-breaking pitch, and I watched BB begin to shrivel on his bench. Hands tightened up into little balls. Neck shrunk onto his shoulders, veins standing out.
I tried to distract. I joked about the silly names on the menu (as BB told me it was impolite to laugh at others' food names) and grabbed any item on the table to try to redirect his attention.
No dice.
He wanted me to ask the management for help, so I tried to explain to him that it's just not done that way, and that people don't necessarily realize they're loud. We had quite a conversation about social skills in public places, how management could handle it, how we'd handle it if we were management, and so forth.That worked for a few minutes. Finally, he'd had enough. When it got to the point where he was going to blow if we didn't leave, we moved to a different booth. We picked up all our stuff and went to the next one over, the furthest available booth.
For about 30 seconds, blessed silence. Ahhhh. Problem was, it wasn't that we'd moved far enough to not hear them or that they'd seen us and lowered their voices. Instead, they gestured and whispered about how we moved. Then bam-o, they began to talk normally again. Not a blip in their decibel level. The waitress came over and asked us what happened, and we explained. She was nice, acknowledged the sound, but that was it.
Thankfully, food came soon after, so I began to show him how to use chopsticks, what each of the items on his plate was and what to do with it. Yum!
In the end, it was disrupted somewhat but still a good lunch date. BB learned some new things and tried some new things. Success!
- In: Autism | Autism News | Biomedical | Giveaway | Health | Outside of the House | Parenting | Therapies
- 2 Comments
Lately I shared with you how much I enjoyed the new book, The Autism Revolution, by Dr. Martha Herbert. This book is truly a whole-body approach on helping your child, in layman's terms, with resources and realistic recommendations. If I had my way, every doctor, therapist or teacher would read this and use it to help their patients and parents. It is *that* good.
Courtesy of Harvard Health Publications and Dr. Martha Herbert, I have two copies of it to give away!
To win the book giveaway, you can do one (or more!) of the following three things — each thing counts as one entry, max of 3 per person.
1) Respond to this entry with a brief answer to the following question: what area are you working on with your child? (Such as: anger issues, verbal skills, potty-training, eating problems, stomach pain, behavioral, etc…)
2) Follow me on Twitter (@autismwatch2007) and come back and respond here to let me know your Twitter name and that you're following me.
3) Follow my blog and post to let me know that you did!
Thanks for playing! 😉 (And this book is so worth the time it takes to enter!)
I'll close out this giveaway on Sunday, May 20 at 9pm EST and randomly choose two winners. I'll then email you for your mailing info, so keep an eye on your mail. (I'll also announce the winners here!)
We've heard that news alert a few times the last few days.
<queue the Talking Heads> "Hold tight, we're in for nasty weather."
Scary on one hand, tiring on the other. I think I may have preferred my California earthquakes! I want to take it seriously…I do…but I must admit that I don't run around shutting my windows and loading the tub with supplies. (I do however, keep the 'panic room' stocked in the event we should have to go in there during any disaster, so we'd just have to grab our cells and the dogs..and of course, at least one laptop in the event we can keep internet access. Yes, we're geeks.)
On the other hand, BB is prepared. Very much so. I didn't want to tell him about the alert on Monday of this week. He was happily playing and I didn't <yet> see the need to worry him. The choice was taken away though by yet another EAS — emergency alert system — broadcast. I know they save lives, but they are so loud, they not only get your attention but they startle a sound-sensitive child and send him straight into packing mode.
I hear rumbling, moving, scraping..crashing.."Uhm, BB, what are you doing?"
"I'm packing, Mom!"
"Yes, if the tornado really hits here, I need to be prepared. I want to be cautious. I have things that are very important to me so I want them accessible in case this tornado is real this time. Better to be prepared, Mom!"
Well, he told me! I let him go on with it, and by that time, I was shutting windows and putting the dogs out for a quick potty before those black clouds were entirely overhead. I peeked in on the panic room and saw what he had packed.
His plush Pokemon collection. ("Mom, it's irreplaceable, you know!!")
A change of clothes.
A waterproof jacket.
His favorite pillow and the blanket his oldest sister made him.
His DSi and case.
A pile of art supplies so he could draw pictures.
And my favorite of his piles? His entire Diary of a Wimpy Kid book set! It's not like it's fine literature, but it is funny and I credit it with getting BB to sit down and read a book FOR FUN and ask for more. For that, I will be forever grateful.
When we move, now I know I need to be sure those books are accessible and treated with the utmost respect they deserve. And if we ever do have to evacuate or hide in the panic room, you can bet they will go with us.
Gotta go…more rumbling. Might need to save the battery again 😉
Book giveaway!!
Posted May 14, 2012on:
- In: Autism | Autism News | Health
- Leave a Comment
Get ready for a book giveaway! Check back over the next couple of days for details on how you can win your own copy of "The Autism Revolution," by Martha Herbert, courtesy of Harvard Health Publications! (I'm giving away two copies!!)
(I'm away at the moment but will be getting this up on my blog and my Twitter as soon as I'm back fully — and safely, major storms going on right now — on my laptop.)
Look for me on Twitter at Autismwatch2007 and come back to enter in the giveaway!


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Are you looking for the latest driver for Canon PIXMA TS8252? If you do, then Canon Drivers is the website that you need to visit. On this website, you can find many different driver software for many different Canon printers.
As an addition to that, most of the Canon drivers TS8252 that you can find on this website are the latest ones in term of updates.
Canon PIXMA TS8252 Driver Free Download that compatible with your operating system.
TS8252 Full Driver & Software Package (Windows)
This file will download and install the drivers, application or manual you need to set up the full functionality of your product.
Driver Detail
File version: 1.0
File Size: 19 MB
File name: win-ts8200-1_0-n_mcd.exe
Release date:21 August 2018
Operating Systems:
Windows 10 (32-bit)
Windows 10 (64-bit)
Windows 8.1 (32-bit)
Windows 8.1 (64-bit)
Windows 8 (32-bit)
Windows 8 (64-bit)
Windows 7 (32-bit)
Windows 7 (64-bit)
File Size: (19 MB)
Lates Update Driver: Canon PIXMA TS6120 Driver Free Download
Canon PIXMA TS8252 Download / Installation Procedures
Mac OS X:
1. Download the file. For the location where the file is saved, check the computer settings.
2. Double-click the downloaded file and mount it on the Disk Image.
3. Double-click the mounted Disk Image.
4. Double-click the packaged file in the folder. Installation starts automatically.
1. Click the link, select [ Save ], specify "Save As", then click [ Save ] to download the file.
Memo :
If you select [ Run ] ( or [ Open ] ) instead of [ Save ], the file will be automatically installed after it is saved.
2. The downloaded file will be saved in the specified place in the self-extracting form ( .exe format ).
3. Double-click the downloaded EXE file to decompress it, then installation will start automatically.


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|See Past Events(2)
For a complete list of up-to-date area events, try:
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Mediterranean House Plans
The distinctive architectural characteristics of our luxury Mediterranean house plans emulate designs traditionally found in Mediterranean countries such as Spain, France, and Italy. This style typically features low-pitched tile or terra cotta tile roofs, stucco finishes and arched windows. Exquisite balconies and decorative wrought iron are also commonly used throughout the home design.
Contemporary Mediterranean home floor plans can offer flowing transitions between luxurious interior rooms that often open up to outdoor living areas like central courtyards, covered lanais, and pool decks making them a popular style in California coastal and Florida beach areas. Our collection of Mediterranean house plans range in living area from a modest 1,800 square foot waterfront homes for oddly sized lots to well over 10,000 square foot luxury mansions. The more grand Mediterranean style house plans are tremendously well appointed with the finest of details.
Catania II Home Plan
Catania II Home PlanCompareWidth x Depth:61' X 65'Beds:4Living Area:3,580 S.F.Baths:4Floors:2Garage:3
Chancellor House Plan
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Dalt Vila House PlanCompareWidth x Depth:92' X 100'Beds:3Living Area:3,287 S.F.Baths:3Floors:1Garage:2
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Delano Home PlanCompareWidth x Depth:75' X 68'Beds:3Living Area:2,660 S.F.Baths:3Floors:1Garage:3
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Eldorado House PlanCompareWidth x Depth:94' X 95'Beds:4Living Area:5,408 S.F.Baths:4Floors:2Garage:3
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Estrella House PlanCompareWidth x Depth:94' X 130'Beds:6Living Area:5,438 S.F.Baths:5Floors:2Garage:4
Fiorano House Plan
Fiorano House PlanCompareWidth x Depth:96' X 68'Beds:4Living Area:4,628 S.F.Baths:4Floors:2Garage:3


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Results from this study negate the concept of the 98.5% DNA similarity myth and highlight the extremely flawed and humanized nature of the panTro4 version of the chimpanzee genome.PDF Download
Taken together, genomic data for both the alleged fusion and cryptic centromere sites refute the concept of fusion in a human-chimpanzee common ancestor.PDF Download
The current chimpanzee genome assembly has problems that reduce its veracity as an authentic representation.PDF Download
Interestingly, BioLogos is probably the only evolutionary group that puts such a high level of focus on this hypothesis as key evidence for evolution.PDF Download
Past evolutionary research in comparative DNA analysis between chimps and humans has employed a great deal of preferential and selective data analysis.PDF Download
Based on differences in gene sets and molecular machines between bacteria and eukarya, we continue to demonstrate that unbridgeable evolutionary chasms exist.PDF Download
In the grand evolutionary paradigm, the origin of the eukaryotic cell represents one of the great mysteries and key hypothetical transitions of life.PDF Download
Most literature states the average dinosaur was only the size of a sheep. This paper hopefully assists creationists base statements on the best available data.PDF Download
Modern genomics provides the ability to screen the DNA of a wide variety of organisms to scrutinize broken metabolic pathways. This data has revealed wide-spread genetic entropy in human genomes.PDF Download
A major argument supposedly supporting human evolution from a common ancestor with chimpanzees is the "chromosome 2 fusion model."PDF Download
The HBBP1 gene appears to be a highly functional and cleverly integrated feature of the human genome that is intolerant of mutation.PDF Download
A common evolutionary claim is that the DNA of chimpanzees and humans are nearly identical. Modern DNA research is showing much higher levels of discontinuity.PDF Download
To provide a global set of analyses, large-scale comparative DNA sequence alignments between the chimpanzee and human genomes were performed with the BLASTN algorithm.PDF Download
The author believes that his use of the Y-chromosome comparison example was misinterpreted and desires to clarify.PDF Download
When evaluating comparisons between genomes using DNA sequence, it is important to understand the nature of how that sequence was obtained and bioinformatically manipulated before drawing conclusions.PDF Download
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Answers in Genesis is an apologetics ministry, dedicated to helping Christians defend their faith and proclaim the gospel of Jesus Christ.


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