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DAVOS, Switzerland (Reuters) - Glenn Stevens, the governor of the Reserve Bank of Australia, is an accidental hero of the global financial crisis.
A career central banker, Stevens, 52, once described himself in a newspaper article as "not a particularly great risk-taker". On the day he was appointed to the job, August 1, 2006, the exasperated photographers crammed into his spartan office were forced to ask him to smile for the camera, according to local media reports.
"That's a bit hard. I'm a central banker," he deadpanned.
Then, on October 6 of last year, Stevens was thrust into the spotlight. Australia became the first G20 nation in the wake of the financial crisis to raise interest rates, signaling an upbeat view of future economic activity. It was not a widespread sentiment.
The surprise hike came as U.S. and euro zone policymakers were still crossing their fingers, hoping their economies had escaped recession in the third quarter. It was hailed as a vote of confidence in a still uncertain recovery, pushing gold prices to a record high and global shares up nearly 2 percent.
In the end, Australia was among the few G20 nations to sidestep a brutish recession.
"We have long argued that Australia is the canary of the global economy," RBC Capital Market senior economist Su-Lin Ong said at the time. "If the Australian economy kept singing, then it was likely the world economy would avoid falling into the abyss."
It has not fallen so far.
Under ordinary circumstances, central bankers like Stevens aren't major newsmakers in world affairs. But the combination of the financial nervous breakdown and the uneven economic recovery since has turned them into the equivalent of military generals waging a war. The question is whether, in the face of political opposition, they will deploy the weapons at their disposal.
Anyone doubting central bankers are in the hot seat need only look at the fix U.S. Federal Reserve Chief Ben Bernanke found himself in. Nominated by President Barack Obama for a second term, he had been widely expected to get the Senate support he needed when a surge of public anger at big banks and their bailout made the vote look a lot closer.
What Bernanke, who squeaked by, and his fellow central bankers do from here on will likely have important implications not just for their individual countries but also for a $60 trillion global economy that is, for better or worse, becoming more financially inter-connected.
The main challenge facing central banks is how to keep economic growth going without inflating the next bubble. Put starkly, that means jacking up interest rates from their current nonexistent levels, as Australia, Israel and Norway have now done.
It also means halting the spread of cheap money, which has turned out to be the financial equivalent of crack cocaine.
Weaning the world off the liquidity drug won't be easy. The two most important economies, America and China, are moving at different paces, perfectly exemplifying the two-speed recovery that seems to be taking hold.
China and other emerging nations are zooming. The United States and Europe more or less remain stuck in neutral gear -- and face rising unemployment and a potentially crushing debt burden.
Global financial markets have been further rattled by China's moves to tighten policy settings -- raising the amount of reserves banks must hold, for example -- at the start of 2010. The fear is that this could impede the stubbornly weak global recovery and curb spending in one of the few nations with a surplus of savings -- at the expense of countries like Australia.
That nation's robust exports to commodities-hungry China is a chief reason the RBA could raise rates three times in a row in late 2009. By contrast, the U.S. Federal Reserve, the Bank of England and the European Central Bank likely will remain hunkered down on the sidelines until the end of 2010, unable to boost rates.
The "lucky country", as author Donald Horne once dubbed Australia, has made its own luck, mostly by allowing public coffers to fill with cash reserves during the previous decade of prosperity. That enabled the government to spend freely without building up debt during economic turmoil, helping to ensure a relatively easy run through the crisis.
Unlike Stevens, his counterparts at the U.S. Federal Reserve chose not to prick any asset bubbles. As a result, the United States ran huge budget deficits before the financial crisis struck -- and is now paying the price.
Eight months before Australia's Stevens took office, Bernanke, 56, assumed the U.S. Fed's helm in February 2006. He brought from his previous life in academia several strong convictions.
One was not using monetary policy to tackle asset price bubbles, arguing it is too blunt an instrument -- an approach also taken by his predecessor, Alan Greenspan.
The consensus among economists and others is that the American central bank kept credit costs too low for too long. And that, most agree, helped lay the groundwork for the 2008 crunch.
Bernanke -- who once joked that as chairman of the Princeton Economics Department his major decisions included whether to order doughnuts or bagels for staff meetings -- was criticized for his initially sluggish reaction to the crisis.
"The U.S. let the housing bubble get out of control and paid a very heavy price for it," said IHS Chief Economist Nariman Behravesh.
Though he suddenly found himself facing a tough time in the Senate, Bernanke has won over some critics with his overall decisive response. A student of the Great Depression, he once famously told Milton Friedman that he was right to blame the Fed for aggravating the 1930s crisis through a lack of support for banks, and he was determined not to repeat the same mistakes.
In a Reuters poll in mid-2009, economists gave him very high marks -- an 8 out of 10 -- for his performance during the past year, which was as difficult a year as a central banker can ever expect to meet.
But the hard part comes next.
And if Bernanke needs a reminder of what's at stake, all he need do is visit his boyhood home in small-town Dillon, South Carolina. Last year its new owners joined the ranks of those who lost their homes to foreclosure, one of a record 2.8 million U.S. homes to meet such a fate.
How Stevens, Bernanke and their fellow central bankers grapple with three critical issues -- runaway debt, looming inflation and new potential bubbles -- will help determine the fate of the global economy over the next several years, if not beyond.
Fears that the world could plunge into another Great Depression prompted governments nearly everywhere to dig deep for emergency measures to bolster economic growth and shore up the banking sector.
Judging by the growing signs of recovery, their hyperactivity paid off -- but at a potentially staggering price.
The International Monetary Fund projects government debt as a share of economic output in all advanced nations will soar as a result of the crisis, from 78 percent of GDP in 2007 to a whopping 118 percent in 2014.
That will be a drag on economic growth, put downward pressure on currencies and could also push up inflation -- unless central banks resist the temptation to keep rates low and instead hike borrowing costs. Doing so would entail some economic pain.
"It is likely to slow growth for a decade in the countries that have had an explosion of debt," said Kenneth Rogoff, an economics professor at Harvard University.
The IMF calculates the rise in debt could add 2 percentage points to real interest rates, increasing the cost of servicing debt and adding pressure on governments facing lower tax revenues as result of slower growth. Net interest payments for advanced economies are forecast to nearly double from 1.9 percent of GDP three years ago to 3.5 percent in 2014.
By then, such outlays in the United States will outstrip spending on defense, health and education combined.
To get debt down to a healthy 60 percent of GDP, the IMF says advanced economies have to transform an average deficit of 3.5 percent this year into a surplus of 4.5 percent by 2020. That's an 8 percentage-point turnaround -- and hardly a precondition for economic growth that can deliver the jobs politicians are being asked to manufacture.
In its latest Global Risks report, the World Economic Forum said the prospect of deteriorating government finances pushing economies into full-fledged debt crises was its top concern for 2010.
"Governments, in trying to stimulate their economies, in fighting the recession, are (building) unprecedented levels of debt and therefore there is a risk of sovereign default," said John Drzik, Chief Executive of management consultancy Oliver Wyman, which was one of the contributors to the WEF report.
The cost of insuring against the risk of default by European nations has reached record highs and is roughly on a par with top investment grade companies.
Among the G20, Australia, China, Saudi Arabia and Russia are the only countries to escape a deep downturn without huge debt burdens, while Japan tops the list with gross debt more the double the size of its economy.
The lucky country advanced two places in a ranking of G20 countries by size of economic output between 2006 and 2009, while economies like the UK and Canada gave up ground.
Japan has still not recovered from its 1990s financial crisis -- also sparked by a burst housing bubble. Its public debt is the result of successive waves of fiscal stimulus, which were never enough to kick-start growth and allow budget consolidation.
"You saw Italy and Japan continue for decades with very high debt," said Carlo Cottarelli, director of the IMF's Fiscal Affairs Department. "The price of this in our view is lower potential growth."
The future could look different again. Thomson Reuters research suggests South Korea may be one of the winners from the crisis, along with China and the United States.
Spiking prices are keeping more and more central bankers up at night.
If governments fail to cut back on spending, inflation might indeed shoot up and start eroding consumers' spending power. Then central banks would have little choice but to head it off by hiking rates.
Doing so likely will be tricky, as they face increasing political pressure to help governments support growth by keeping rates low and allowing inflation to decrease the value of their debt. There have already been several ominous instances of political interference in recent months.
Argentina's President Cristina Fernandez tried to sack central bank governor Martin Redrado for opposing plans to use $6.6 billion in central bank reserves to make debt payments, sparking a legal and political standoff.
And South Korea's finance ministry has been embroiled in a public spat with the central bank over the timing of monetary policy tightening in Asia's fourth-largest economy, while the Bank of Japan offered banks more emergency funds in December after weeks of political pressure to do more to avert recession.
"The incentive for central bankers is to err on the side of inflation and growth, rather than deflation and stagnation," said Ian Stewart, director of Deloitte Research.
A study by U.S. economists Joshua Aizenman and Nancy Marion compared the impact of post-World War Two inflation on debt with the situation today. It found that allowing moderate inflation of 6 percent now could reduce the debt/GDP ratio by 20 percent within four years.
The study also pointed out that average debt maturities are much shorter than in the 1940s, meaning governments would face higher rates on new debt issuance were they to do the same today.
Countries bloated with debt won't be able to easily slim down using inflation. The IMF estimates 6 percent inflation would erode only a quarter of the extra debt accumulated as a result of the crisis in advanced economies. "Inflation would not solve the problem," said the IMF's Cottarelli.
"One could argue that inflation could be brought to not 6 percent but 12 percent or 20 percent ... then you get into a spiral," he said. "But moderate inflation does not help, and nobody is calling for double-digit inflation."
Central banks also are starting to fret that their unprecedented crisis measures may be fuelling the next bubble, which begs the question of what to do about it.
German Bundesbank board member Hans-Georg Fabritius said the pre-crisis consensus for a passive approach to asset price bubbles -- sometimes called the clean-up-the-mess-afterwards theory -- was now being questioned.
"The crisis showed us painfully that we cannot trust in central banks being able to control the consequences of an asset price bubble bursting with action after the fact, either through loosening monetary policy or extending liquidity supplies," he said.
Already, cheap and generous central bank liquidity has helped push up prices of commodities such as gold and oil, enabling many banks to book solid trading profits in 2009.
Sergio Ermotti, Deputy Chief Executive Officer of Italian bank UniCredit, told Reuters that the search for safe havens had also pushed investors into suddenly riskier government bonds.
"There has been a lot of buying into government bonds as a last resort of where to put savings, and probably there has been a little bit of a bubble in the last 12 months in terms of how many people bought public debt in general," he told Reuters TV in Davos.
Nouriel Roubini, one of the few economists who accurately predicted the magnitude of the financial crisis, told a WEF session that very low U.S. interest rates were fuelling dollar-funded carry trades and pushing up asset prices.
"I think it's become too much, too fast, too soon," said Roubini. "Eventually this asset bubble ... will become excessive, there will be a massive correction and that's going to be dangerous. I think U.S. monetary policy is really imposing a significant easing bias on the rest of the world."
That brings us back to the example set by Stevens, the central banker down under.
The future could bring increased pre-emptive rate hikes by central banks to "lean against the wind" of asset price bubbles, in line with Australia's approach.
Bernanke said recently that although regulation and oversight are the best way to prevent asset bubbles from forming, if those efforts failed, central bankers should not completely exclude the use of monetary policy.
The RBA was widely credited with cooling a housing boom with its previous rate-tightening cycle starting in 2002, one of the reasons the Australian real estate market has not crashed.
But Charles Dallara, who heads the bank lobby group called the Institute of International Finance, said in developing countries, raising rates to head off asset bubbles could simply help to attract more capital.
"This creates a real dilemma for these policy makers," he told Reuters in Davos. "They can look at some form of disincentives to short-term capital flows but those kind of measures generally don't work terribly well."
As an alternative to rate hikes, central banks could limit liquidity by making banks hold more in reserves -- the tactic used this month by China, where blistering 10.7 percent growth in the fourth quarter is pushing up inflation.
Another option is an increased role in financial regulation: the ECB for example is set to receive more say in financial oversight through its leadership of a new body examining macro-prudential risks in the European Union.
Deutsche Bank chief economist Thomas Mayer said the crisis showed central banks could no longer wield interest rates in isolation from the real economy and financial sector.
"We are living in a new world," he said. "Central banks used to be, as (Bank of England governor) Mervyn King once said, like dentists, focusing on a very narrow part of the body and operating with high precision instruments, not caring about what is happening elsewhere."
"That time has gone," Mayer added. "Central banks have become general practitioners."
As Australia's Stevens has also shown, making tough calls does not come without a price. His willingness to tackle asset price bubbles, particularly in the housing market, won him few friends at home, where 75 percent of mortgages are at floating rates.
"Is this the most useless man in Australia?" asked a front-page headline in a Sydney tabloid over a less-than-flattering photo of the balding Stevens in March 2008, after the RBA hiked rates for the fourth time in eight months to a 16-year high of 7.25 percent.
Stevens said in December that at the start of 2009, he had been concerned about the outlook: "I felt that things were going to turn out rather worse than they have, but who's complaining? Not me," he said.
If Stevens had trouble finding a smile 3-1/2 years ago, it's a safe bet that he's wearing one now.
Additional reporting by Tamora Vidaillet and Natsuko Waki in Davos, Anna Willard in Paris, Wayne Cole in Sydney and Mark Felsenthal and Emily Kaiser in Washington; editing by Jim Impoco and Sara Ledwith
Our Standards: The Thomson Reuters Trust Principles.


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I'm back with another HUGE linkup with some fantastic nail addicts. This month's theme? Favorite fall polish! It's incredibly difficult picking just one, but out of all the indies that I own, one comes to mind as an absolute favorite for this time of year. I looked back on my Instagram feed and I surprisingly have only shared it as an accent, but I've used it enough that I'm halfway through my bottle.
Take A Drink, Michael was one of my first two polishes from Carpe Noctem Cosmetics and it's a favorite for sure. This blackened bronze (and sometimes burgundy?!) holo is perfect for this time of year (let's face it – it's perfect for ANY time of the year!) and magically shifts color depending on the lighting you're in.
Emily, you're a wizard. That's it. No other way to put it.
Also, this one is difficult as all get out to get photos showing off the brown in the polish. You'll have to pardon my stove lighting and blurriness. You'll fall in love, I promise.
{Warning: hella picture heavy. <3}
Because I'm so fair, this shows up super dark on me, but that's 1000000000% okay in my book. I feel sexy as hell in it. Actual trufax.
Mmmmh, blurry. I didn't want to post these, but check that holo!
Be sure to check out the other posts below! There's some new polishes on my wishlist thanks to these other lovely bloggers. Shit.
[inlinkz_linkup id=565332 mode=1]

subset: commoncrawl


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What follows is an exclusive transcript of Mike Iaconelli's initial reaction to his disqualification for poor sportsmanship in the 36th annual Bassmaster Classic on Lake Tohopekaliga in Kissimmee, Fla.
Iaconelli: "I've been disqualified for breaking a light post, and that's kind of ridiculous. I mean, you're frustrated and you take your emotion out. I don't understand why I was disqualified. They say sportsmanship. I'm a great sportsman. I think there were about ten thousand kids in the arena tonight for me. That's being a sportsman. I just feel like I'm being targeted all the time. If you're going to disqualify me for kicking a light post — that's a little ridiculous.
"I just don't feel like I can have a bad day gracefully. Obviously I'm frustrated and after a day like that you want to go back and say, well, 'what did I do wrong?' and have a better day. And it's like they dig the dagger deeper. The rule of sportsmanship, it's a broad rule. It's Trip Weldon's decision. At this point I don't know what I can do except protest the decision, and I think that's what I'm going to have to do.
"I was frustrated. There's a point of frustration, and I was angry. There might have been some things said. But again, was I the first person to ever break a light post? Was I the first person to ever curse? Absolutely not. Have they ever disqualified anyone for cursing before? Absolutely not.
"Why am I being targeted for this? To be honest with you, I don't know if I'm even going to fish tomorrow. I think what I'm going to do at this point is call my lawyer and discuss some options with my lawyer. I just feel like it was the wrong decision. At this point, with 12 pounds, I know I have no shot at winning. But still I feel like I'm being targeted. And at some point you have to stand up for yourself, and this time, I'm going to stand up for myself."
Bassmaster.com: Do you have any regrets?
Iaconelli: "No regrets. No regrets ever. I'm an emotional person and I show my emotions, and that's how I am, that's how I fish. I don't feel like I did anything wrong. I didn't do anything to injure anybody. I didn't direct my anger at anyone in particular. My anger was directed at an inanimate object. And if you're going to disqualify for that, that's ridiculous.
"I totally feel like I'm targeted. I totally feel like I'm being sabotaged here. I don't know what my options are. I feel like if I don't take a stand, then not only myself but anglers from here on out are going to be open to this, and I'm not going to let that happen."
Bassmater.com: Why would B.A.S.S. target you?
Iaconelli: "I don't know. I don't know the answer to that question. But I do feel I was wronged today. I don't know what else to say besides, again, I didn't hurt anybody out there, I didn't jeopardize anybody's safety out there. I was frustrated.
"Everybody's been frustrated at one point in your life. That was a frustrating moment for me. I had a live well that was inoperable, and I was frustrated about it. Is there something wrong with that? Is there something wrong with being passionate about what you do? I don't think so, is there?"
Bassmater.com: Is this a bad day for bass fishing?
Iaconelli: "A bad day for bass fishing? No, it was a bad day for me. It's not a bad day for bass fishing. I don't know what to say. When you have a bad day, you want to go back and you want to recoup and you want to re-strategize your day.
"This is just another element there that really gets in my way for re-strategizing for tomorrow. With 11 or 12 pounds, maybe I was still in the hunt. With a zero weight, am I in the hunt? Probably not."
Bassmaster.com: What was wrong with the live well?
Iaconelli: "When I weighed in today, I asked those guys to recheck it to see if maybe there was an issue. It could have been aerator faulty, it could have been boat faulty, it could have been human error.
Maybe as I was driving I hit the switch off. I don't know. I'm not blaming that on anything. But again, that created a frustration for me, and I showed frustration, and again, that's all it is. I feel like there's a big huge deal created about there was a fisherman who showed frustration because he opened up his live well and saw four of his fish floating dead. That's like normal, that happens all the time."
Bassmater.com: When did you learn of the decision?
Iaconelli: "I was just told. And my family's here, and I haven't seen my kids yet and it's 7:30. It seems ridiculous to me. At this point I don't even know what I'm going to do, but I feel like I have to address it. Whatever that means.
"Again, at this point I don't know what that means. But I feel like I have to address the situation, or what am I going to remain the target for the rest of the year? And the other anglers are going to remain a target? I don't see that as being disqualifiable. I don't see it.
"It's a decision that's been made, and to be honest with you, I have to figure out what my options are here. I really don't know. I think that's a decision I'll have to make tonight. I've got some phone calls to make, I guess, and come up with a solution. I don't know, I really don't know. I hope so."


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Vocational Education Outcomes: A Thesaurus of Outcome Questions
"This thesaurus is designed to provide the vocational education community and its relevant audiences with a comprehensive, organized listing of outcome questions and hypotheses. The first of two sections includes a discussion of the importance as well as problems of attempting to develop a classification system for categorizing vocational outcomes. It also explains how the outcome questions are classified and how the reader can locate outcome questions of interest.


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The Pigeons of Melbourne
The form, structure and beauty of pigeons are often overlooked by commuters rushing around on their daily business.Various flocks of pink pigeons were installed in a tree and several rooftops throughout the city drawing attention from people that generally overlook them.
"When I first saw the pink pigeons in the tree, I knew I had to move here." Vanessa, Queensland migrant to Melbourne
How was the space first identified and who was contacted to secure it?
I found several spaces, on a walk around the city.
To secure these spaces I contacted the City of Melbourne's Arts and Culture branch, who put me onto the relevant people.
For private premises, I contacted the manager of the store, who then put me onto the real estate agent, who then contacted the owner.
What was required to secure the space?
Public Liability Insurance. I found very cheap insurance through Art Workers, which is run out of Queensland, but open to everyone in Australia and most places overseas.
What needed to be provided by you as hirer or user of the space?
A copy of my Public Liability Insurance.
Dates the work was to be in place for.
A contract agreeing that I was responsible for any damage caused.
My description of the work.
What were the costs?
Other than the ingredients to make the art:
Crane hire
Hard hats
Witches hats and tape to divert foot traffic
12 people to assist with installation
Cable ties
Event launch collateral (invites, postage, mirophone, stand and stage hire etc)
What were the resources available to you?
City of Melbourne Arts Grant
A slight discount with crane hire
Brunetti's sponsored the event launch
Who helped you to fit it out?
Brunetti's sponsored the event launch
What were/are the obstacles?
At first glance of a space, you would assume only one person manages one space. But there are many departments that manage elements of the city. This includes separate departments for street signs, roads, footpaths, trees, parks, lighting, information booths, the river, buildings, poles that are connected to the tram, poles that hold up electricity wires and poles that hold up lights.
What were/are the risks?
Injuring the public


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Released: November 30, 2015
Price: $19.99
Tremendous power and no brakes! Experience the thrill of speedway! FIM Speedway Grand Prix 15 is the ultimate speedway simulator of all time. Show your skill and tactics in the fight for the title of World Champion in all events and stadiums of the Grand Prix 2015 season!
© 2009-2020 Anthony Stahler


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— A smart list of music, individuals, literature, gadgets and more.
We chat to Founder of Kreait Maks Giordano to find out what makes him tick. In the past, Maks has joined us on the Pioneer Podcast, and his 23+ years in digital has seen him become a household name both in digital strategy and creative scenes.
I am a total music addict and fanatic and listen to music daily for several hours.
Tim Ferriss (check out his Podcast)
I have to admit that I am obsessed with Biographies. I always read two/three biographies in parallel.
The works of Walter Isaacson on Einstein and Steve Jobs, are among my favorites.
I think that non-fiction biographies are often way more dramatic and exciting than fictional books.
Favorite Science Fiction Book of all time: Snow Crash by Neal Stephenson.
If you consider when it is written, it is probably the most visionary and influential SciFi piece of literature ever… Period.
I also read a lot of other non-fiction books, from science to buddhistic literature. Currently my favorite author of the latter is Yongey Mingyur Rinpoche. Every book is amazing, especially the ones about meditation.
And every single one of Tim Ferriss' books – I'm a huge fan.
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Jabra Bluetooth Heartbeat Headphones


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As consumers push for more sustainable options in the marketplace, some have proclaimed the "end of packaging" is near.
However, not all objects are as conveniently self-packaged as bananas and coconuts. While in the future we will certainly need more sustainable packaging with innovative new design solutions, packaging is far from obsolete. To better understand why packaging is necessary, we must first consider what major purposes it serves:
First and foremost, the purpose of packaging is to protect a product from exterior conditions and sometimes also to protect the environment from the product. Solvents and chemicals, for example, are dangerous when left unprotected and need to be housed in special circumstances both to maintain their efficacy and to control our exposure to them. The same is true for pharmaceuticals, which also require special protective packaging to control their use and keep them (and consumers) safe.
Most food products would be worthless to us if they were not packaged. One only has to imagine a world where milk is not encased in some sort of protective covering to understand why the basic protection offered by packaging is essential for the distribution, sale and use of many — if not most — products. Some kind of protective barrier is necessary for keeping goods, particularly food stuffs, from spoiling or being contaminated before they reach the consumer.
Beyond basic protection, the right packaging can actually improve a product's value by keeping it fresh longer and extending its shelf life. Pouches are a great example of a form of protective packaging that offers value to both consumers and brands by optimizing cost, convenience and potential freshness while still being highly sustainable.
Aside from protecting the product itself, the purpose of packaging is often to keep an ingestible item safeguarded from contact with hazardous contaminants (such as bacteria, pests, mold or waste). Delicate or non-solid items need to have proper protective packaging to serve as a shield or barrier from elements that can damage the product and make consumers sick.
Packaging a product offers the ability to manage that product's visual impact. Protein powder, for example, is not a visually appealing product in and of itself, but when housed within a visually striking package, it takes on a whole new character. In addition to changing the appeal of a product, packaging allows for the ability to create a unique brand that can completely change a product's success rate in the marketplace. Packaging that offers the maximum image coverage, such as stand up pouches, is the most effective when it comes to improving product visibility.
Keeping it Together
Bananas and grapes are naturally bundled together by nature of their organic design, but not all products keep themselves intact the way some fruits do. Any liquid, powder or product that is made of many small parts needs to be packaged to be considered a singular object. On top of which, most products need to be sold according to specific portions and weights if they're going to be sold at all. Try buying and selling flour without any graduated package sizes.
"One lb of flour? Sorry, we only offer one metric ton of it, and it is currently in a large mound on the floor…" doesn't really sound appealing to anyone. A world without packaging would be incredibly messy and disorganized, to say the least.
Loss Prevention
In addition to protecting a product's integrity and holding it together, packaging also protects against product loss and ensures that the both buyer and seller are trading for a specified amount. In our "mound of flour" case, for example, the customer would need to be able to weigh the entire ton of flour to know that they actually received what they paid for. Similarly, the seller doesn't have much control over how much of a product each customer takes from the pile unless there are containers to hold specific weights and sizes or the product is constantly being weighed.
Either circumstance opens up the possibility of loss for both parties, but packaging eliminates that issue. In more complex terms, unpackaged products open both buyer and seller to the possibility of theft—without packaging, the product is vulnerable and prone to being taken without ever properly being accounted for.
Similarly, proper protective packaging helps reduce food waste by curbing premature spoilage, adds more value to the consumer by fitting more product into the container and keeps products safeguarded from slipping through the cracks or spilling out.
While this is by no means an exhaustive list of the many reasons packaging is necessary in the world, it does open up some interesting points for those looking beyond sustainable packaging to eliminating packaging from the world entirely. While most packaging could certainly be reconsidered to be more eco-friendly and well designed, life without it is almost unfathomable.
Further Reading:
- Can Flexible Retail Packaging Help Feed the World?
- General Mills: Sustainable Food Packaging for Purpose-Based Marketing
- How the NASC Works to Protect Pets with Supplement Packaging Standards
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We collect personal information from a number of different sources, including:
- Directly from you or from someone else on your behalf
- From other third parties who provide a service in relation to your business
- From other services providers
- Through publicly available sources such as internet search engines and social media sites
- Through customer surveys and responses to various marketing campaigns
- From your use of our website and cookies
- From credit reference agencies
- Through insurance industry fraud prevention and detection databases and sanctions screening tools
- From government agencies such as HMRC and from professional regulators
7. What are our purposes for using your personal information?
We may process your personal information for a number of different purposes. For each purpose we must have a legal ground for such processing. When the information that we process is classed as sensitive personal information, we must have an additional legal ground for such processing.
Generally, we will rely on the following legal grounds:
- Where the processing is necessary for our provision of your business details and services for activities such as assessing your application, managing your business requirements and providing other services to you
- Where we have an appropriate business need such as maintaining our business records or developing and improving our products and services where such business need does not harm your interests
- Where we have a legal or regulatory obligation to use such personal information
- Where the use is necessary to establish, exercise or defend our legal rights
- Where you have provided your consent to our use of your personal information
You will find details of our legal grounds for each of our processing purposes below.
8. Who do we share your information with?
From time to time, we may share your personal information within 2020 Vision Systems, or with third parties. If you would like further information regarding the disclosures of your personal information, please see section below for our contact details.
Disclosures to third parties
We also disclose your information to the third parties listed below for the purposes described in this Privacy Policy. These might include:
- Our regulators
- The police and other third parties or law enforcement agencies where reasonably necessary for the prevention or detection of crime
- Industry bodies
- Online search engines
- Social media platforms
- Our third party service providers such as IT suppliers, actuaries, auditors, lawyers, marketing agencies, payment processing agencies, document management providers and tax advisers
- Third parties who undertake analysis for the purposes of product improvement
- Selected third parties in connection with the sale, transfer or disposal of our business. We will ensure that such third parties have the appropriate technical and organisational measures in place to safeguard your data
9. How long do we keep personal information for?
We will only keep your personal information for as long as reasonably necessary to fulfil the relevant purposes set out in this Privacy Policy, and in order to comply with our legal and regulatory obligations. In particular, for so long as there is any possibility that either you or we may wish to bring a legal claim under the insurance policy, or where we are required to keep your personal data due to legal or regulatory reasons. If you would like further information regarding the periods for which your personal information will be stored, please see section 12 below for our contact details.
10. Your rights
Under data protection law you have certain legal rights in relation to the personal information that we hold about you. You may exercise these rights at any time by contacting us.
Please note:
In some cases we may not be able to comply with your request (e.g. we might not be able to delete your data) for reasons such as our own obligations to comply with other legal or regulatory requirements. However, we will always respond to any request you make and if we can't comply with your request, we will tell you why.
In some circumstances exercising some of these rights (including the right to erasure, the right to restriction of processing and the right to withdraw consent) will mean we are unable to continue providing you with cover under the policy and may therefore result in the cancellation of the policy. You will therefore lose the right to bring any claim or receive any benefit under the policy, including in relation to any event that occurred before you exercised your right of erasure, if our ability to handle the claim has been prejudiced. Your policy terms and conditions set out what will happen in the event your policy is cancelled.
For some policies no refunds will be payable on cancellation, for other products a refund may be payable.
Your rights include:
The right to access your personal information
You are entitled to a copy of the personal information we hold about you and certain details of how we use it. There will not usually be a charge for dealing with these requests. Your information will usually be provided to you in writing, unless otherwise requested, or where you have made the request by electronic means, in which case the information will be provided to you by electronic means where possible.
The right to rectification
We take reasonable steps to ensure that the information we hold about you is accurate and complete. However, if you do not believe this is the case, you can ask us to update or amend it.
The right to erasure (also known as 'the right to be forgotten')
In certain circumstances, you have the right to ask us to erase your personal information. Examples would include where the data is no longer required for the original purpose, consent has been withdrawn and there no overriding ground for continuing the processing, or for compliance with the national law.
The right to restriction or suspension of processing
In certain circumstances, such as a question over its accuracy, you are entitled to ask us to stop using your personal information or to suspend its use.
The right to data portability
In certain circumstances, you have the right to ask that we transfer any personal information that you have provided to us to another third party of your choice.
The right to object to marketing
You can ask us to stop sending you marketing messages at any time.
The right not to be subject to automated decision-making (including profiling)
You have a right not to be subject to a decision based solely on automated means. Please note that as set out at section 8, personal information including sensitive personal information may be used in the context of auto-renewal of certain types of policies. This involves automated decision making to determine what the cost of renewing the policy will be. Automated decision making may also be used in relation to our marketing of our products to you, but purely in relation to us using parameters for making selections for segmentation.
The right to object to processing
For certain uses of your personal information, we will ask for your consent. This consent can take the form of an action or affirmative instruction. Where we do this, you have the right to withdraw your consent to further use of your personal information. In other circumstances we may process your data using legitimate interest, and again you have the right to withdraw this right of processing, unless it is necessary in connection with our legal rights. Please note that in the event that you withdraw your permission for us to use all of your personal data, we may be unable to continue providing you with insurance cover under the policy and this may therefore result in the cancellation of the policy. You will therefore lose the right to bring any claim or receive any benefit under the policy. Your policy terms and conditions set out what will happen in the event your policy is cancelled.
The right to lodge a complaint with the ICO
We would hope that you will always raise any issues with us first, and that we will be able to resolve them to your satisfaction. However, if this isn't possible then you always have a right to complain directly to the Information Commissioner's Office (ICO) if you believe that any use of your personal information by us is in breach of applicable data protection laws and regulations.
Please see below for contact details of the ICO:
Information Commissioner's Office
Wycliffe House
Water Lane
Tel: 0303 123 1113 (local rate) or 01625 545 745 (national rate)
Email: email@example.com
Making a complaint will not affect any other legal rights or remedies that you have.
11. How we protect your information
We use a range of organisational and technical security measures in accordance ISO 27001:2013 ISMS to protect your information.
Where we have given you (or where you have chosen) a password, you are responsible for keeping this password confidential. We ask you not to share a password with anyone, and to use a password that is appropriate (i.e. a mixture of upper and lower case letters, and characters, which isn't used on other sites and isn't easily guessed).
We restrict access to your information as appropriate within 2020 Vision Systems to only those who need to know that information for the purposes set out above.
Firewalls are used to block unauthorised traffic to the servers and the actual servers are located in a secure location, which can only be accessed by authorised personnel. Our internal procedures cover this.
12. Contacting us
If you have any questions about how we collect, store or use your personal information, you may contact our data protection officer at:
Data Protection Officer
2020 Vision Systems
28 Northumberland Square
North Shields
Tyne and Wear
13. Updates to this Privacy Policy
From time to time we will make changes to this Privacy Policy, for example, as the result of government regulation, new technologies, or other developments in data protection laws or privacy generally. You should check our website periodically to view the most up-to-date Privacy Policy. This Privacy Policy was last updated on 22 June 2018.


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Haze Over Gulf of Saint Lawrence, Canada47.0N 62W
Haze hangs over the Gulf of Saint Lawrence in Canada. The haze is possibly caused by smoke from wildfires burning to the northwest. The Gulf of Saint Lawrence is the world's largest estuary and the outlet of the Great Lakes of North America via the Saint Lawrence River into the Atlantic Ocean. The gulf is a semienclosed sea, covering an area of about 236,000 square kilometres (91,000 sq mi) and containing about 35,000 cubic kilometres (8,400 cu mi) of water, which results in an average depth of 148 meters.


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Title: Own-initiative investigation into compliance with General Condition 15 and the provision of next generation text relay services
Complainant: Ofcom own-initiative investigation into Bri tish Telecommunications plc's ("BT") provision of text relay services in accordance with General Condition 15 ("GC 15") by 18 April 2014.
Investigation against: British Telecommunications plc ("BT")
Case opened: 24 June 2014
Case closed: 17 March 2015
Issue: Whether BT has complied with its obligations under General Condition 15 of the General Conditions of Entitlement
Relevant Instrument: General Condition 15 (specifically 15.3 and 15.5).
Update note: 21 May 2015
A non-confidential version of the Confirmation Decision issued to BT, on 16 March 2015, has now been prepared and can be found under the related items
End of update note
Update note: 17 March 2015
Following an investigation into BT, Ofcom issued it with a notification under s96A of the Communications Act 2003 ('the Act) on 3 December 2014, as we had reasonable grounds to believe that from 18 April 2014 BT had contravened GCs 15.3 and 15.5 by failing to provide its customers with a next generation text relay (NGTR) service in accordance with the requirements of GC 15.5 (see entry below).
BT provided written representations to Ofcom on 9 January 2015, and made oral representations to Ofcom on 20 January 2015, in relation to the matters set out in the Notification. Ofcom also wrote to BT on 27 January 2015 requesting further clarification on a number of issues. BT responded on 5 and 17 February 2015. Having considered those representations (together with the other evidence collected from BT throughout the investigation), Ofcom is satisfied that, between 18 April 2014 and 24 September 2014, BT contravened GCs 15.3 and 15.5 by failing to provide a NGTR service to its customers in accordance with the requirements of GC 15.5.
Therefore, on 17 March 2015, Ofcom issued BT with a Confirmation Decision under section 96C of the Act and imposed on it a financial penalty of £800,000.
BT should take the steps to which it committed in its written and oral representations to remedy the consequences of the contravention:
Additionally, BT has committed to playing its part to deliver a mobile-compatible version of its NGT Lite application for Braille reading equipment users.
A non-confidential version of the Confirmation Decision is currently being prepared and will be published shortly.
Update note: 4 December 2014
Following an investigation, Ofcom has determined that there are reasonable grounds for believing that BT has contravened GCs 15.3 and 15.5. Ofcom has therefore issued a Notification to BT under section 96A of the Communications Act 2003.
The contravention relates to BT's failure from 18 April 2014 to provide a NGTR service in accordance with the requirements of GC 15.5. BT now has an opportunity to make representations to Ofcom on the matters contained in the Notification.
End of update note
Text published when case was opened
Ofcom has opened this investigation into BT's provision of text relay services in accordance with General Condition 15.
GC 15.3 requires communications providers, such as BT, to ensure that such of its subscribers who, because of their disabilities, need to make calls in which some or all of the call is made or received in text format, are able to access a Relay Service.
GC 15.5 provides that by no later than 18 April 2014 a Relay Service provided by the communications provider to its subscribers pursuant to paragraph 15.3 must meet a series of criteria. In Ofcom's statement of 17 October 2012, we explained that, taken together, these criteria help secure equivalence of access for disabled end-users as required by the Universal Service Directive. We referred to this relay service as a Next Generation Text Relay service (NGTR). General Condition 15.5(k) requires such an NGTR service to be approved by Ofcom.
On 6 March 2014, following consultation, Ofcom approved BT's proposed NGTR service. As at today's date (25 June 2014), BT's approved NGTR service has not been launched. Having regard to our Administrative Priorities set out in our Enforcement Guidelines, we have opened an investigation into BT in respect of its compliance with GC15.
Ofcom's investigation will consider what action, if any, Ofcom should take in respect of BT's performance of its obligations to its subscribers under GC15.
Case Leader: Ian Vaughan (email: email@example.com)
Case Reference: CW/01129/05/14


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Insomniac's house-centric imprint IN / ROTATION brings the best of up-and-coming artists in the fourth installment if its Rotate compilation series. 'Rotate Vol. 4' is packed with 10 new Rotate recruits including English duo Hollaphonic, Brazil's MKJAY,...[more]
Canada's Matt Doe is coming out all guns blazing today, and has a brand new EP ready for release on Underdog Records. This is the label founded by Protohype, and it continues to deliver.
There are three tracks up for grabs with this release; two solo tracks...[more]
Connected Records is the label of DJ Flex. | read more
Claim and Manage this Label Profile here
The world's largest DJ directory bringing you DJ profiles since 1997
Discover DJ events, buy tickets and more, including following your favorite venues, promoters and DJs
See news and events related to the world's top DJs
Press play on your music career for club, festival and event job opportunities
Discover the best places for drinks in your city, plus transactions and logistics made easy


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"Don't sweat the small stuff" they say. And they – whoever "they" is, have a good point. It's easy to get caught up in all the little things that stress us out and ruin our day.
Days in the firelife … Read the rest
Enjoying life as a firewife
"Don't sweat the small stuff" they say. And they – whoever "they" is, have a good point. It's easy to get caught up in all the little things that stress us out and ruin our day.
Days in the firelife … Read the rest
Like it or not, we are social creatures who crave human connections. It is hardwired into our brains because we need to work together to ensure the survival of our species. It only makes sense then that forming and … Read the rest
We are hard wired for taking action and getting stuff done. It only makes sense, doesn't it?
Our survival as a society depends on the actions of many different people. We each do our part and everything runs smoothly. … Read the rest
In yesterday's post we started talking about happiness and you started thinking about what makes you happy. It was part of our commitment to happiness. Today we're going to dig a little deeper. There are a lot of things that … Read the rest
Now is the time to take control of your happiness.
You have so many things coming at you daily and it's easy to get overwhelmed. The worry sets in. The list of things you need to get done for everyone … Read the rest
Awesome to have you here!
We are going to kick off the 30 day challenge on December 15th. You will get an email from me each day with something to do and/or ponder. It will include a link to a … Read the rest
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.


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Recently, I was listening to an interview by The Mad Fientist of financial planner Michael Kitces, who is the person responsible for a lot of the research done on the 4% withdrawal rule. Kitces has worked with many clients working towards financial independence and/or early retirement.
At the end of the interview, the Mad Fientist asked him for one piece of advice for speeding up one's journey to FI, and Kitces replied, "avoid lifestyle creep."
Lifestyle creep, or lifestyle inflation, is the tendency we have to inflate our standard of living as our incomes increase. When we first graduate college and get a "real job," we're content to live in an apartment with a roommate, use Goodwill furniture, and drive a beater car. But as we bring in more money, we tend to upgrade our houses, furniture, and cars, and once we trade up for a nicer model, it's really difficult to downgrade again. Continue reading "The Best Way to Avoid Lifestyle Creep"


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Unique Magazines
Unique Magazines are a magazine subscription agency delivering big and unique specialist titles worldwide and offering digital subscriptions. Unique got in touch looking for help to design and manage their email marketing campaigns and other digital assets that could be used across their website and social platforms.
Initially brand and competitor analysis was carried out in order to see where Unique sat in their industry and how their brand was viewed across different platforms. Bringing Unique's brand inline and keeping consistency across the board was an important first step. Christmas is a main focus in the magazine subscription year so a new email campaign was developed and designed to bring some personality and colour to their image. Social and website assets was also developed to work alongside the emails to strengthen the messages and the offers.
Other work included the development of a general email campaign to keep customers up to date with new titles and news from the industry throughout the rest of the year along with the design of adverts, brochures and graphics for their corporate website.
The christmas email campaigns resulted in an uplift of sales by 30% compared to the year before.
A 10% off weekend special offer campaign increased sales by 170% compare to average.
"Claire managed and created our email marketing campaigns and branded marketing activity to a high level of professionalism and commitment. I would highly recommend Claire Jenks."
ClientUnique Magazines
- Digital


text: Exercise Rehabilitation for Peripheral Artery Disease: A REVIEW McDermott, Mary M. McDermott, Mary M. Less Journal of Cardiopulmonary Rehabilitation and Prevention. 38(2):63-69, March 2018. Abstract Abstract In Brief In Brief Favorites PDF Get Content & Permissions Go to Full Text of this Article In Brief: This review summarizes evidence regarding exercise for patients with peripheral artery disease (PAD). Supervised exercise improves treadmill walking in patients with PAD and is recently covered by Medicare. Home-based exercise that incorporates behavioral change techniques is an effective therapeutic option for patients who are not able or willing to participate in supervised exercise. Go to Full Text of this Article Free Erratum


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Base Two has partnered with almost every major institution in New Zealand to develop a wide range of exhibitions from permanent displays to temporary and touring shows. We are able to deliver a complete service from architectural and exhibition design to environmental graphics, interactive and app development.
We will often pair these services with brand development and marketing campaigns to deliver a complete service for your project.
Rita Angus: Life & Vision
Many of Rita Angus's works have helped to form part of our visual identity as New Zealanders. The 200 works in the exhibition reveal the themes of identity, spirituality and nature that were central to her vision, and show how her commitment to pacifism and her strong feminist beliefs profoundly influenced her work.
Te Papa's Tower Gallery was divided in plan to create twelve rooms: an entry and assembly area, a reading area and ten exhibition rooms – one for each period of Angus' artistic output. Single entry and exit points ensured visitors would experience the exhibition in correct chronological order. The design was inspired by the work of 'Christchurch Modern' architect Paul Pascoe, who converted a cottage of his own design into a studio for Angus. The signature architectural element in the exhibition was in the form of portals projecting
Te Tari Tohorā o Waitohi National Whale Centre
Housed in Picton, this is an information and development hub that will eventually spawn satellite container-based displays throughout New Zealand. The space, while ideally placed on the Picton waterfront, presented challenges for an exhibition with its unusual footprint and largely glass frontage with stunning panoramic views of the harbour. Internal walls with integrated displays were constructed to hold lightweight display panels that can be easily reproduced for other hubs. Changing content was also developed for interactive iPad and video presentations.
World War One - A Contemporary Conversation
A hundred years on, the effects of World War One continue to be felt in large parts of the world. World War One: A Contemporary Conversation looks at the period 1914 to 1918 and also considers the urgent subject of war today. This is told through diaries, letters, and other documents drawn from the collections of the Alexander Turnbull Library and Archives New Zealand. With the content of this exhibition focused largely on photography and the written word the relationship between image and text became central to the design. Bespoke display cases were developed to house the delicate documents, diaries and original photographs.
Miles - A Life in Architecture
This exhibition for Christchurch Art Gallery Te Puna o Waiwhetu was conceived to coincide with Miles' 80th birthday, and the Ellerslie Flower Show. It followed Miles' outstanding architectural career while also featuring his work as an architectural watercolourist and garden designer. The exhibition was primarily made up of photographs, architectural drawings and watercolours – but was also supported by architectural models and video interviews.


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General Knowledge Base
|Free to try
|Op. System:
|WinXP, WinVista, WinVista x64, Win7 x32, Win7 x64, Win2000, Windows2000, Windows2003, WinServer, Windows Vista Ultimate, Windows Vista Ultimate x64, Win98, WinME, WinNT 3.x, WinNT 4.x, Windows Media Center Edition 2005, Windows Vista Starter, Windows Vista Home Basic, Windows Vista Home Premium, Windows Vista Business, Windows Vista Enterprise, Windows Vista Home Basic x64, Windows Vista Home Prem
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Publisher description for General Knowledge Base
GeneralKB is an innovative Knowledge Management software allowing an easy and effective management of all types of knowledge bases. With its intuitive user interface, it is easy to create, capture, and store in one location all types of documents and files and have fast retrieval when required. To improve knowledge sharing, it provides an easy access to an organization's knowledgebase either on LAN, VPN, WAN or over Internet and yet it does not compromise on security. The application's Client Server technology provides better data integrity and overall system reliability. Although all the information may be stored in one database, GeneralKB allows creating unlimited number of databases, so an organization can have a separate database for each specific knowledgebase. Accessing and managing various databases is also very easy that is by using its integrated Database Manager. Beside organizations, GeneralKB is equally useful tool for individuals as for professionals for managing their own personal information. In addition, it has a powerful search engine, allowing the search according to any document criteria. It also supports bookmarks grouping enabling to bookmark documents and save it into a collection file. GeneralKB provides many easy ways to capture information into database. The common one is by typing direct into its internal document editor. The editor is not only easy to use but also powerful enough to be used as a WYSIWYG web page editor. Among other things, it supports tables, hyperlinks, Styles Inspector to work with styles, Merge Tags Inspector for creating Print Preview templates, multi lingual including right-to-left languages, multi lingual live spell checker and much more. Web Pages can be directly captured and stored from Internet. It also has the capability to export documents in its own format to other formats: TXT, RTF, DOC, HTML, XML and PDF, individually or in batches.
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General rate: Positive


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Mr. Pride demanded (he never asks, he commands) that the next general assembly of the co-landlords be held one month earlier than usual to put an end to this ongoing harassment of his tenant, Mme. Empathy the director of the restaurant from Hell. Yes, he claimed (and still does to this date) that 'the Asian woman is lying about her suffering and Mme. Landlord is wrong in wanting to protect her tenant. The other landlords should not be influenced by the sentimental nonsense of my Mme. Landlord and landlords should vote with a sensitive mind. The true victim is him, claimed Mr. Pride.
Mr. Proud Victim, his second name, planned well to sabotage Mme. Landlord's votes by picking a date that coincided with her cancer treatment when she would be away from Paris. You might ask why the Syndic accepted his request. As a rich man Mr. Pride was one of the two big shareholders. Unfortunately, this other big shareholder became his partner in crime. I shall refer to this new character as Mr. Brave who had been hereto polite towards Mme. Landlord despite his seething chauvinism because everyone respected Mme. Landlord, the smart lady with a strong sense of justice who had long looked after the interest of the building in a fair manner. Mr. Pride had the sense to see the importance of the large number of shares Mr. Brave possessed and proposed the latter a lucrative business. Thus Mr. Brave and Mr. Pride became buddies. Out came the true color of Mr. Brave who started to mock Mme. Landlord openly. He slandered Mme. Landlord to be a trouble maker, not worthy of her noble reputation.
Poor Mme. Landlord was shattered as she had not been aware of the dark sentiment of Mr. Brave towards her. Two men ganged up against this cancer patient, the true horror story in Paris. The two men influenced the date of the general assembly with their large number of votes combined. The Syndic was obliged to accept. Our Mme. Landlord chose to take a break from her treatment to attend the meeting because Mr. Pride demanded the Syndic and the co-landlords to legalize his unauthorized machine on the building. He could do it with the help of Mr. Brave who had revenge on his mind. My suffering did not even enter Mr. Brave's mind because I too was a woman. I had thought that French men were fair and respective of women, so I inquired. It turned out that he was only half French. Not that it meant anything, but at this point I needed the French to be near perfect, worthy of the price I was paying to live in Paris.
However, my questions about the nationality led to the fact that quite a number of the landlords were either Italian or Americans. Mr. Pride and Mr. Brave did not fear them because they were all small shareholders. Combined, they would pose a larger number of votes, but they spoke little French and they resided overseas. Mme. Landlord could not reach them to ask for their power of attorney because of the language barriers. She lamented her English was not good enough to explain this complicated situation to those non-French landlords. Thus Mr. Pride and Mr. Brave disregarded the other landlords. I, this Asian woman, was of course forgettable to them. However, they overlooked the fact that I communicated in English and that I was also a Japanese woman with diligence. Most of all, I am a genuine descendent of Samurai Warriors who accepts every battle, even a losing one, to have some learning values. There is no medals given to join winnable battles. In fact, my ancestor feared complacency after a win more than a loss because one often ends up losing more than the gain of a win in a long term. I hope my ancestors were right about the reverse.
To be continued.


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Colloquium CIMI : Quantitative geometry and efficient classification procedures
14 Fév. 2014
Abstract: This talk will illustrate to non-experts the use of geometric methods to design efficient partitioning algorithms for discrete objects or, in some cases, to prove that such algorithms must fail to perform well. These connections show that combinatorial optimization problems are intimately related to classical questions in continuous geometry, and we will describe some recent progress on old questions that translates to the best known results on algorithmic problems of central interest. This talk will provide an introduction to geometric aspects of computational complexity via an examination of specific examples.
No specialized background will be required.


text: Unsecured business loans could turn out to be the source of some financial support for any issue related your trade. You can easily use this money to buy raw material or upgrade machinery, pay off credit card debts, renovate your office etc. However, you must always try to get such a loan at lower costs Read more


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Tea Board was set up as a statutory body on 1st April, 1954 as per Section (4) of the Tea Act, 1953. As an apex body, it looks after the overall development of the tea industry. The Board is headed by a Chairman and consists of 30 Members appointed by the Government of India representing different sections of the Tea industry. The Board's Head Office is situated in Kolkata and there are two Zonal offices-one each in North Eastern Region at Jorhat in Assam and in Southern Region at Coonoor in Tamil Nadu. Besides, there are 18 regional offices spread over in all the major tea growing states and four metros. For the purpose of tea promotion, three overseas offices are located at London, Dubai and Moscow. In order to meet the developmental needs of the small sector which accounts for more than 1/3rd of national tea production, separate directorate has been set up during the year under report. Under this directorate 71 sub regional offices have been opened in all the areas where small growers are concentrated to maintain a closer interface with the growers and provide developmental and extension services to the growers towards improving productivity and quality of tea produced from the small sector. The functions and responsibilities of Tea Board include increasing production and productivity, improving the quality of tea, market promotion, and welfare measures for plantation workers and supporting Research and Development. Collection, collation and dissemination of statistical information to all stake holders are yet another important function of the Board. Being the regulatory body, the Board exerts control over the producers, manufacturers, exporters, tea brokers, auction organizers and warehouse keepers through various control orders notified under Tea Act.
Ownership Information: Website belongs to Department Of Commerce.
Copyright 2014, all rights reserved with Department of Commerce, Ministry of Commerce and Industry, Government of India
Website Designed, Developed and Hosted by NIC, Commerce Informatics Division
Last Updated:
21 Oct 2020)


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Product Description
- Torch Head: 13.5" W X 8.25" H
- Pole: 83" H
- Total Height: 91.25"
- Minimum Installation Height: 76"
- Fuel: Natural gas or liquid propane
- Materials: Cast aluminum with solid brass burner, galvanized steel or aluminum pole
- CSA certified brass valve
- Not UL Rated
- For Natural Gas: 11" WC
- Propane: 21,131 max
- Natural Gas: 17,594 max
Our Bali Gulf Gas Tiki Torch brings a truly impressive display of tropical lighting to your poolside or patio. This big, beautiful torch is crafted with a cast aluminum head, brass burner and a 82" high, 2.5" diameter black steel pole. The Bali Gulf can be used with either propane or natural gas (if using propane, we recommend using an LP gas regulator).
The torch includes a CSA certified control knob with key for easy lighting and flame control, and can also be purchased with the added convenience of an Electronic Remote Control Ignition System.


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When collisions between motorcycles and cars make the news, your initial reaction is probably not thinking that the motorcyclist was at fault. As bikers tend to come off worse in accidents, the assumption can be that the motorist was to blame when a vehicle and a bike collide. However, in a recent case in Tallahassee, a motorcyclist was lucky enough to sustain only minor injuries after his careless driving caused him to rear-end a car. 65-year-old John Collins drove into the back of a Jeep Cherokee which had slowed before making a right-hand turn, causing himself to be knocked off his motorcycle, crashing into the Jeep's rear window before falling to the ground.
Following treatment for minor injuries, Collins was cited for following too closely.
How a Cooper City Attorney Can Help after a Car Accident
No matter how safe a driver you are, car accidents do happen. Of course, when drivers are less than vigilant, those accidents become more common, and the resulting injuries can be catastrophic. Did you know that approximately 35,000 people die on United States roads each year, many of whom fell victim to somebody else's reckless driving? When you have been injured in a car accident in Cooper City, you need expert legal representation to ensure you recover the compensation you deserve.
When you instruct a Cooper City car accident attorney from the Law Offices of Bradley S. Hartman, PA, some of the steps we will take to ensure your case has a successful outcome can include:
- Obtaining a copy of the accident report, alongside other evidence at the scene of the collision
- Asking important questions of any witness who may have been present
- Reconstructing the accident, where necessary
- Photographing the scene of the car accident, the damage inflicted on your car, and the injuries you sustained as a result
- Analyzing your post-accident medical reports
- Communication with insurance companies on your behalf
In short, your Cooper City car accident attorney will do everything in their power to build a strong case on your behalf, whilst freeing you up to concentrate on recovering from your injuries and moving on with your life.
What Damages Could a Cooper City Car Accident Attorney Recover?
As no two car accidents are the same, the damages you are entitled to recover will depend on the circumstances of your collision. Generally, these can tend to include:
- Paralysis
- Spinal cord injuries
- Breaks and fractures
- Head injuries
- Neck injuries
- Permanent disability
- Muscle damage
- Wrongful death
When you file a lawsuit relating to a Cooper City car accident, you may recover both economic and non-economic damages. These are intended to compensate you for matters such as medical expenses, damage to your vehicle, loss of earnings while you are unable to work, loss of future earning capacity, and more.
To schedule a free initial consultation with an expert Cooper City car accident attorney, where you can learn exactly how we could help you, call the Law Offices of Bradley S Hartman, PA, today on 954-438-1000.


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WATER jet cutters are proving themselves an ideal technology for unblemished finish on edges when cutting most materials beyond and including common industrial sheetmetal.
Waterjet is offering traditional sheetmetal fabricators the flexibility to tackle other materials not possible on traditional lasers and punch presses.
The new water jet technology is successfully cutting glass, marble, granite, wood, plastic, foam and other non-metal materials as well as the traditional mild steel, stainless steel and aluminium.
According to Power Machinery's Ken Christensen, distributor for Water Jet Sweden AB, water jet technology has shown many advantages including no heat effect on the material and practically no marking.
"Because there is no heat effect on the material, the chances of altering the properties of the work sheet are zero," Mr Christensen said.
"Or it may be a situation where an operator wants absolutely no marks on the material, so once again the accuracy and quality of the water jet finish is crucial."
Power Machinery is a long-standing supplier of industrial automation, specialising in general sheetmetal automation and now branching into water jet technologies.
"This is now catching the attention of commercial and industrial glass cutters, granite shapers for the domestic kitchen and commercial markets, or anyone cutting marble - especially thick marble - or any product hard or soft where a neat finish is required," Mr Christensen said.
"Water jet cutting has a distinct advantage over laser on edge-work as a near-perfect edge is supplied virtually every time.
"Plus, the production is controlled by some of the most powerful automation software in the world, hence accuracy and speed is at the highest level and product wastage is completely minimised."
Waterjet cutting is also extremely versatile. Water jets can go through 300mm of block steel, thick plastic and wood, even Hardox and titanium don't present a real challenge for water jet.
Key to its performance is the abrasive running through the water. Not only is cutting effective but the water also acts as a fail proof coolant for this abrasive.
There is absolutely no heat effect on materials as is normally the case with heat generated by oxy plasma where a laser can obstruct the material and cause hotspots and bad spots. Water with abrasive (rosewater) does not have this effect.
This cold process, where a jet of 1mm makes it possible to place the parts close to each other on blank material, minimises scrap.
"Water jet cutters are extremely reliable to operate and the only real cost factor is that of the abrasive which is added to the water," Mr Christensen said.
"Waterjet cutters provide excellent accuracy, good speed, and very good value for money over the entire lifespan of a job sequence and hence maximise profit margins for the operator."
Water Jet Sweden AB manufactures systems in all sizes and for all applications, from integrated compact machines to systems with operating ranges of 9m x 4m or larger, as well as abrasive 5-axis water jet cutting heads.
Power Machinery 02 9971 1755.


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Why are eye exams for children important?
Comprehensive eye exams with an optometrist are the only way to tell if your child's eye are developing properly. Many eye health problems can be treated if they are caught early. For example, a lazy eye can be completely corrected if it is detected and treated early.
Eye exams also make sure your child is able to learn. Children who cannot see the board, focus on a picture or follow words in a book may struggle to achieve their full learning potential. Vision problems can also impact their hand-eye coordination for physical activities and even impact their social development. Almost three-quarters of Ontario's parents are unaware that vision problems can cause speech difficulties, nearly two-third are unaware that they can lead to developmental delays and half of parents do not realize that a vision problem may be the cause of short attention spans in children.
Undetected and untreated vision problems often cause reading difficulties, and can cause the same signs and symptoms that are commonly attributed to issues such as ADHD, dyslexia and speech problems.
Comprehensive eye exams vs. vision screening
Vision screenings are not a substitute for a comprehensive eye health exam. A vision screening does not assess the entire visual system, including the health of a child's eyes, so many vision problems can be missed.
Many children participate in vision screening or sight test programs at school, which some parents confuse with a comprehensive eye exam. These tests are limited and cannot be used to diagnose a vision or eye health problem. Studies have shown that vision screening tests have high error rates. Forty-three per cent of children with an eye health problem are able to pass a vision screening.
Eye exams performed by optometrists look at the structural development of the eye and identify any underlying health conditions. Retinoblastoma is the most common type of eye cancer in children, accounting for approximately three per cent of all cancers that occur in children younger than 15 years of age. The disease may show signs as early as six to nine months old. Optometrists also play a role in monitoring children with diabetes, one of the most common chronic diseases among children and youth in Canada. Optometrists look for telltale signs of diabetic retinopathy, which damages the small blood vessels in the retina.


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Bean and Onion Salad with Health Benefits
Yummy Bean Salad
Glass Salad Bowls
Tasty Bean and Onion Salad
1/4 cup apple juice
1/2 medium size onion, chopped
1 red onion, sliced
2 medium size carrots, chopped
2 stalks celery, sliced
1/3 cup vinegar
1/2 cup water
1 T sugar
1 T cornstarch
1 beef or vegetable bouillon cube
8 oz. can of red kidney beans
16 oz. can of black beans
1. In a large skillet, add apple juice and heat over medium high heat. Add chopped onion, carrots, and sliced celery for two minutes. Remove from heat and let sit.
2. In a small bowl, stir together vinegar, water, sugar, cornstarch, and beef or vegetable bouillon cube. Break down the cube as much as possible.
3. Add this mixture to the skillet. Cook and stir over medium high heat for two minutes, or until mixture is thickened and bubbly.
4. Stir in beans that had been drained. Cook additional 2-3 minutes, stirring occasionally, until mixture is heated through. Garnish with sliced red onions, if desired.
Tasty recipe can be served hot or cold and serves 6.
Note: Add a can or corn or other type of beens can be added or substituted to this mixture as a variation (shown in the photo).
Recipes From Around the World
Bring the exotic tastes of other countries into your home with Recipes from around the World.
You don't have to travel the world to get a taste of international cuisine. With "Recipes From Around The World", you can open your mind and treat your taste buds to a world of fine cuisine-without leaving home!
Two large ebooks with over 500 tasty recipes just in volume one, include countries like Germany, Greece, Ireland, France and Russia. Tasty recipes like, Galantine Of Chicken from France, Greek Stifado With Feta Cheese Crust, Esterhazy Rostbraten (Beef Sirloin A La Esterhazy) from Germany, Real Irish Stew and Basturma (Georgian Pomegranate Marinated Grilled Lamb) from Russia.
Find many healthy and tasty bean recipes in this collection of mouth watering recipe ebooks. Read more on Recipes From Around The World
Benefits of Red Kidney Beans
Red kidney beans provide a large amount of folate and tryptophan. Folate is a natural form of folic acid, also known as B1. Folic acid aids in producing healthy red blood cells and prevent anemia. Folate is necessary for the production and maintenance of healthy new cells growth, and for preventing changes to DNA and thus preventing cancer.
Tryptophan supports feelings of well-being, calm, serenity, relaxation, and concentration. It helps with low mood swings and mild manic states. Tryptophan is a natural sleep aid. It reduces carbohydrate cravings, thus aiding in supporting healthy weight.
The copyright to this article is owned by Sandy Mertens (sandyspider). Permission to republish this article in print or online must be granted by the author in writing. (You can, however, freely use the opening introduction and photo with a link to the article here on HubPages to read the remainder of the article.)
Some Recipe Hubs
- Black Forest Coffee Recipe and More
Remember the day when you ordered a cup of coffee and that is just what it was. Fresh ground brewed coffee or if you werent so lucky, instant coffee. Not that the taste of instant coffee is bad, but it...
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If you are into Japanese food, then this is a great tasting and easy to make recipe that your family will enjoy. It serves a family of four. I have had this recipe for years. The serving sizes are a little...
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Ingredients: 6 large bell peppers (green, red or yellow) 1 lb ground beef 1 small onion, finely diced 1 teaspoon salt 1/4 teaspoon garlic powder 1/2 teaspoon oregano 1/2 teaspoon sage 1/2...
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Chicken noodle soup has long been known as one of the best healthy comfort foods. When we think of chicken noodle soup, we feel emotionally secure. It is what our mother had given us when we were sick with a cold. Or even with the flu. I remember my
- Recipes, Reviews and Food Collection
Welcome to my foodography! This is my collection of recipes, restaurant reviews, gardening and the different types of food in general. This is also an interactive lens, where you will be able to add your food lenses to the various plexos. Note: more
Out of the June Contest
I'm no longer in the June Food Contest. I blew it with recipe hubs which should be later this month. I went through the contest links instead of the HobMob links, so I am not part of that either. But I will keep this RSS here so you can read the great hubs for these Hubbers.
I am too far behind on everything, it is best to not continue with the contest. But please visit my recipe hubs and leave a comment.
June Food Contest Week One
Informative and well shared article. Thanks for sharing.
It sounds delicious. I love beans so i will definitely try this recipe.
It sounds delicious and one recipe that I will try.
Thats sounds great! I love those kind of dishes. Thanks for the recipe.
Yummy this sounds sooo delicious and healthy too. Rated up, bookmarked and shared. Thanks for sharing this glorious "summertime" meal.
Sounds like this would make a good dinner or a side dish. Thanks for sharing.
This looks and sounds really good, I will bookmark this one.
you have made me hungry for this now.
This is great mix of salad. I believe this is healthy salad I've ever known. Great recipes, I think it easy to make this food. I like something healthy food and I found that here. Great hub, Sandy. I rate this UP.
Its so nice recipe with nutritious ingrdients ,you mentioned its benefit ,really awesome .Thanks my dear to share with us.
Hea I tried this bean and onion salad and it is fantastic. Thanks for sharing. :)
Great hub !
This looks and sounds really good. Thank you for sharing this recipe.
Sounds delish, Sandy!
Awesome hub, I love salad.
I love salads and beans, too! So this recipe really just sounds great to me! I'll be looking forward to try making this at home. Thanks! :-)
Looks fabulous and since I love beans, this may be the dish to try. Thanks for sharing.
Aced it again, Sandy. Thanks.
I think we call this Redneck caviar! lol
"BEANS AND ME",THATS ME ALL THE WAY.I love them
every one,and in many ways of eating them.Thinks for
That look and sound so good, beans are one of my favorite foods. Love the bean onion salad health benefits hub. thanks :)
Yum! Sounds like a great recipe!
Bean and onion salid, sounds like a great dish. I can't wait to try it.


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Today I am grateful for:
Leopard geckos. We have two, named Pancake & Waffle. The first one we had was named Egg (hence the breakfast theme) but unfortunately he died a couple months ago. Leopard geckos are cute & friendly & if you have patience, they can learn to play games with you. I discovered that if I waited until Egg stuck out his tongue while he was looking at me & I mimicked him, he'd walk closer to the glass & keep playing with me back and forth. Something about inter-species communication just makes me happy.
Hawaiian coconut coffee. Exotic, sweet, comforting. Makes me think of vacation. Yum. Enough said. I mention coffee a lot, I know. But it keeps me from falling asleep at my WordPress virtual office, so that makes it something to be thankful for every day.
Imagination & humor. Were it not for the funny pictures and characters jumping around in my head, I think I might fall into a deep depression some days. Alex's father said to me years ago as we were listening to the radio in the car: "When this song comes on it makes all the cartoon animals in my head form a conga line." And ever since then, as soon as I hear the first few notes of that song I see the conga line and I laugh.
What are you grateful for today?
Write it down, sing it out, share it, share it!
(and remember to play!)


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Measurement Lessons
Grade 1 Measurement
Learn about money to help Natalia buy a puppy.
Measuring, telling time and counting money: K5 connects math to the real world
Our online measurement lessons help kids learn to count money, tell time and measure temperature, length, weight and capacity in both customary and metric units.
Learn to tell time
Our kindergarten, grade one, grade two and grade three measurement lessons include activities to help kids learn to tell time.
Learn to count money
From recognizing coins in our kindergarten lessons to visiting an ATM and making change in later grades, our lessons help kids learn to count money in realistic scenarios.
Measurement activities for kids
- Recognize coins, count money and make change
- Understand and tell time
- Measure temperature, capacity, length & weight
- Use a calendar
- Use benchmarks to make comparisons
- Estimate length and capacity
- Use measurement tools including balance scales and thermometers
- Compare and convert units of length, weight and capacity (customary and metric)
- Understand and measure surface area
- Use a compass, scale and legend on a map
- Measure and calculate perimeter and circumference
- Use elapsed time to solve real world problems
- Measure the difference between angles
Real world themes for real world skills
Measuring, counting money and telling time are practical, real world skills. Our online multimedia lessons use animated real world themes (such as visiting an ATM) to make a connection to your child's own experiences. We want kids to learn math concepts in a tangible rather than abstract fashion.
Immediate feedback greatly enhances learning
K5 Math lets your child know right away when they get something right or wrong. Kids remember better and are more motivated when they receive immediate feedback about something they've done.
Bite-sized lessons provide flexibility
Lessons are broken into 5-10 minute segments so that study sessions can be short and flexible. Most kids learn better with more frequent but shorter study sessions.
We place your child at the right instruction level
K5 kids start by completing a free online assessment of their math skills.Kids are then placed in lessons at their skill level, avoiding the boredom and frustration associated with lessons that are too easy or too hard.
What is K5?
K5 Learning offers reading and math worksheets, workbooks and an online reading and math program for kids in kindergarten to grade 5.
In our online program, kids work at their own level and their own pace through a personalized curriculum of reading and math lessons; each lesson is accompanied by customized printable worksheets for further study.
K5 helps your children build good study habits and excel in school.
Free trial
We offer a 14-day free trial of our online program. The free trial includes free reading and math assessments.


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Pastor Joey Has No Answers
Episode 112 · October 20th, 2017 · 1 hr 1 min
About this Episode
Today we interview Pastor Joey Svendsen from the BAD CHRISTIAN podcast, which describes itself as Post-Christian, or Post-Evangelical, or maybe just Post-Bible-Belt-Evangelicalism.
We start off talking about the annoyance of Small Talk, problems with having 80 inboxes and managing expectations for all those inboxes. Then we turn towards post-evangelicalism, emergent church, and other things that Joey is wrestling with openly on the show. What happens when our community's standards are more political and less biblical, and thought gets clamped down?
We end talking about a pastor's authority vs the priesthood and Apostolic Authority vs Sola Scriptura, especially as it stands out in Post-Evangelicals wrestling with major moral issues, like homosexuality and gay marriage, or major biblical teachings, like eternal conscious torment in Hell.
Thanks to you, our dear listeners, all of those Syrophoenician Women out there looking for the scraps from the Master's table, we have reach an epic milestone in the show: 1 MILLION DOWNLOADS! Thank you for inviting us, week after week, into your earholes.
If you like the show and want more witless banter between Luke and Gomer, we just launched our "BONUS SHOW" on Patreon. Every Monday we will release 20-30 minute episodes for our $10 or higher subscribers. You can find that on PATREON.COM/CF.Support Catching Foxes
Episode Sponsors
Episode Links
- BadChristian Podcast — Matt, Toby and Joey discuss funny, controversial, and personal stuff with guests from the music business, leaders in the Christian world, and interesting folks from well outside of the Christian world.
- Pastor With No Answers — Christians read the same bible, go to the same churches, have similar backgrounds but still hold extremely different views on significant biblical doctrines. What can you do? Join a laid back discussion with Pastor Joey Svendsen, his brother, and "expert" guests as they dissect debatable topics from many angles. You may hear an argument or two but cutting up and acting a fool is guaranteed or your money back.
- Fundamentalist — BadChristian — What happens when you grow up in a fundamentalist church and you have OCD and depression? Joey Svendsen has lived it first hand. Whether it was reciting the sinner's prayer all day long out of fear of hell, developing anxiety about his penis' growth being stunted due to early masturbation, or the daily repentance in high school for not evangelizing to nerds during lunch period, Joey shares his experience with no filter, hilariously examining the cross-section between religion and mental illness… like the time he almost married the wrong girl because he thought God told him to.
- @PWNApod | Twitter — So many people believing so many different things makes for so many good conversations. Let's have them.


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It's almost Memorial Day weekend, and you know what that means: Sun's out, guns out! Yussss! Summer is almost here!
Parties and BBQs with friends and family will be had. Days are still getting longer and evenings are getting warmer which makes for perfect outdoor dining. And, it'll now also be socially acceptable to wear white pants – I won't be taking advantage of that because I ruin anything white. Anyone who can explain where that rule came from will win my adoration forever.
In case you need some party-dish inspiration for the weekend ahead, I've pulled together some of my favorite summertime recipes in one place. See, I love ya! Leave a comment and tell me what YOUR favorite summer party take-along dish is.
- Coconut water with frozen berries
- Seltzer water with lime and olive garnish
- Watermelon Slush
Appetizers / Snacks


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Publication Date
Publication Details
Cameron, J., Worrall-Carter, L., Page, K., Riegel, B., Lo, S. K & Stewart, S. (2010). Does cognitive impairment predict poor self-care in patients with chronic heart failure?. European Journal of Heart Failure,12(5), 508-515. Retrieved from https://doi.org/10.1093/eurjhf/hfq042
Cognitive impairment occurs often in patients with chronic heart failure (CHF) and may contribute to sub-optimal self-care. This study aimed to test the impact of cognitive impairment on self-care.
Methods and results
In 93 consecutive patients hospitalized with CHF, self-care (Self-Care of Heart Failure Index) was assessed. Multiple regression analysis was used to test a model of variables hypothesized to predict self-care maintenance, management, and confidence. Variables in the model were mild cognitive impairment (MCI; Mini-Mental State Exam and Montreal Cognitive Assessment), depressive symptoms (Cardiac Depression Scale), age, gender, social isolation, education level, new diagnosis, and co-morbid illnesses. Sixty-eight patients (75%) were coded as having MCI and had significantly lower self-care management (η2= 0.07, P < 0.01) and self-confidence scores (η2= 0.05, P < 0.05). In multivariate analysis, MCI, co-morbidity index, and NYHA class III or IV explained 20% of the variance in self-care management (P < 0.01); MCI made the largest contribution explaining 9% of the variance. Increasing age and symptoms of depression explained 13% of the variance in self-care confidence scores (P < 0.01).
Cognitive impairment, a hidden co-morbidity, may impede patients' ability to make appropriate self-care decisions. Screening for MCI may alert health professionals to those at greater risk of failed self-care.
Mary MacKillop Institute for Health Research
Document Type
Journal Article
Access Rights
ERA Access
Access may be restricted.